Home > Bellevue State Bank > Performance and Condition Ratios
Bellevue State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7786% | 2,516 |
| Cost of funding earning assets | 1.3442% | 2,381 |
| Net interest margin | 3.4345% | 2,337 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 1.5287% | 4,314 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9248% | 517 |
| Return on assets (ROA) | 1.9248% | 494 |
| Pretax return on assets | 2.0196% | 649 |
| Return on Equity (ROE) | 16.9300% | 962 |
| Retained earnings to average equity (ytd only) | 9.9174% | 1,034 |
| Net charge-offs to loans | 0.0735% | 1,122 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 38.1829% | 1,470 |
| Efficiency ratio | 43.0831% | 4,285 |
| Assets per employee ($millions) | 11.3641% | 485 |
| Cash dividends to net income (ytd only)* | 41.4209% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 1,375 |
| Loan loss allowance to noncurrent loans | 215.9061% | 2,428 |
| Noncurrent assets plus other real estate owned to assets | 0.4821% | 1,163 |
| Noncurrent loans to loans | 0.6512% | 1,202 |
| Net loans and leases to total assets | 72.9900% | 1,473 |
| Net loans and leases to deposits | 83.9743% | 1,783 |
| Net loans and leases to core deposits | 89.5917% | 2,081 |
| Total domestic deposits to total assets | 86.9100% | 1,709 |
| Equity capital to assets | 11.5596% | 1,263 |
| Core capital (leverage) ratio | 14.1675% | 769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $155,031,600 | 3,316 |
| Average earning assets | $147,301,200 | 3,272 |
| Average equity | $17,625,600 | 3,041 |
| Average total loans | $111,569,400 | 3,033 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7371% | 2,399 |
| Cost of funding earning assets | 1.2325% | 2,325 |
| Net interest margin | 3.5046% | 2,200 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.4379% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.0811% | 446 |
| Return on assets (ROA) | 2.0811% | 439 |
| Pretax return on assets | 2.1833% | 572 |
| Return on Equity (ROE) | 18.3800% | 897 |
| Retained earnings to average equity (ytd only) | 16.5035% | 426 |
| Net charge-offs to loans | 0.0860% | 872 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 35.5211% | 1,511 |
| Efficiency ratio | 39.7083% | 4,365 |
| Assets per employee ($millions) | 11.4804% | 438 |
| Cash dividends to net income (ytd only)* | 10.2329% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5338% | 1,027 |
| Loan loss allowance to noncurrent loans | 259.8131% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.4302% | 1,354 |
| Noncurrent loans to loans | 0.5903% | 1,360 |
| Net loans and leases to total assets | 71.7500% | 1,607 |
| Net loans and leases to deposits | 82.0097% | 1,898 |
| Net loans and leases to core deposits | 87.4242% | 2,096 |
| Total domestic deposits to total assets | 87.4900% | 1,738 |
| Equity capital to assets | 12.1190% | 1,012 |
| Core capital (leverage) ratio | 14.4283% | 727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $154,015,250 | 3,335 |
| Average earning assets | $145,823,500 | 3,297 |
| Average equity | $17,434,250 | 3,043 |
| Average total loans | $110,018,250 | 3,058 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6128% | 2,394 |
| Cost of funding earning assets | 1.0928% | 2,297 |
| Net interest margin | 3.5200% | 2,220 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 1.3547% | 4,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.1773% | 367 |
| Return on assets (ROA) | 2.1773% | 359 |
| Pretax return on assets | 2.2840% | 479 |
| Return on Equity (ROE) | 19.6800% | 743 |
| Retained earnings to average equity (ytd only) | 17.7735% | 351 |
| Net charge-offs to loans | 0.1286% | 576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 25.0282% | 1,637 |
| Efficiency ratio | 37.2307% | 4,442 |
| Assets per employee ($millions) | 11.7432% | 406 |
| Cash dividends to net income (ytd only)* | 9.6812% | 2,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 1,110 |
| Loan loss allowance to noncurrent loans | 269.0323% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 0.4061% | 1,313 |
| Noncurrent loans to loans | 0.5661% | 1,324 |
| Net loans and leases to total assets | 70.6400% | 1,671 |
| Net loans and leases to deposits | 80.3458% | 1,944 |
| Net loans and leases to core deposits | 84.7751% | 2,158 |
| Total domestic deposits to total assets | 87.9200% | 1,636 |
| Equity capital to assets | 11.7364% | 1,121 |
| Core capital (leverage) ratio | 14.0170% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $155,605,333 | 3,340 |
| Average earning assets | $147,328,000 | 3,302 |
| Average equity | $17,216,667 | 3,086 |
| Average total loans | $110,440,000 | 3,052 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4746% | 2,377 |
| Cost of funding earning assets | 0.9238% | 2,298 |
| Net interest margin | 3.5508% | 2,240 |
| Noninterest income to average assets | 0.2500% | 3,431 |
| Noninterest expense to average assets | 1.3497% | 4,508 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1722% | 388 |
| Return on assets (ROA) | 2.1722% | 382 |
| Pretax return on assets | 2.2791% | 506 |
| Return on Equity (ROE) | 20.2300% | 735 |
| Retained earnings to average equity (ytd only) | 18.2848% | 491 |
| Net charge-offs to loans | 0.1371% | 487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 23.5526% | 1,406 |
| Efficiency ratio | 37.1930% | 4,508 |
| Assets per employee ($millions) | 12.6440% | 332 |
| Cash dividends to net income (ytd only)* | 9.6131% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,127 |
| Loan loss allowance to noncurrent loans | 28,333.3333% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 3,869 |
| Noncurrent loans to loans | 0.0055% | 3,803 |
| Net loans and leases to total assets | 71.2500% | 1,495 |
| Net loans and leases to deposits | 80.6877% | 1,770 |
| Net loans and leases to core deposits | 84.2852% | 1,969 |
| Total domestic deposits to total assets | 88.3100% | 1,811 |
| Equity capital to assets | 11.3980% | 1,187 |
| Core capital (leverage) ratio | 13.3547% | 871 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $157,077,000 | 3,363 |
| Average earning assets | $149,375,000 | 3,323 |
| Average equity | $16,866,500 | 3,142 |
| Average total loans | $110,903,500 | 3,090 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7638% | 2,363 |
| Cost of funding earning assets | 0.4245% | 1,910 |
| Net interest margin | 3.3393% | 2,454 |
| Noninterest income to average assets | 0.3200% | 3,192 |
| Noninterest expense to average assets | 1.4484% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.9557% | 324 |
| Return on assets (ROA) | 1.9557% | 313 |
| Pretax return on assets | 2.0580% | 416 |
| Return on Equity (ROE) | 18.4500% | 640 |
| Retained earnings to average equity (ytd only) | 10.4345% | 1,027 |
| Net charge-offs to loans | -0.0116% | 3,876 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 41.3075% | 4,509 |
| Assets per employee ($millions) | 12.4943% | 348 |
| Cash dividends to net income (ytd only)* | 43.4416% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,072 |
| Loan loss allowance to noncurrent loans | 1,580.0000% | 706 |
| Noncurrent assets plus other real estate owned to assets | 0.0677% | 3,119 |
| Noncurrent loans to loans | 0.0982% | 3,057 |
| Net loans and leases to total assets | 67.8800% | 1,839 |
| Net loans and leases to deposits | 77.5378% | 1,994 |
| Net loans and leases to core deposits | 79.7151% | 2,153 |
| Total domestic deposits to total assets | 87.5500% | 2,216 |
| Equity capital to assets | 10.1209% | 1,652 |
| Core capital (leverage) ratio | 12.7108% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $157,486,600 | 3,370 |
| Average earning assets | $150,060,200 | 3,331 |
| Average equity | $16,694,600 | 3,226 |
| Average total loans | $103,249,800 | 3,103 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5858% | 2,386 |
| Cost of funding earning assets | 0.3540% | 1,673 |
| Net interest margin | 3.2318% | 2,524 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 1.3585% | 4,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.9558% | 308 |
| Return on assets (ROA) | 1.9558% | 304 |
| Pretax return on assets | 2.0539% | 417 |
| Return on Equity (ROE) | 18.2400% | 613 |
| Retained earnings to average equity (ytd only) | 16.2779% | 260 |
| Net charge-offs to loans | -0.0145% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 39.8100% | 4,577 |
| Assets per employee ($millions) | 11.9042% | 398 |
| Cash dividends to net income (ytd only)* | 10.7330% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 973 |
| Loan loss allowance to noncurrent loans | 758.5153% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.1480% | 2,574 |
| Noncurrent loans to loans | 0.2171% | 2,527 |
| Net loans and leases to total assets | 67.0400% | 1,780 |
| Net loans and leases to deposits | 75.2988% | 1,934 |
| Net loans and leases to core deposits | 76.8738% | 2,121 |
| Total domestic deposits to total assets | 89.0400% | 2,075 |
| Equity capital to assets | 10.6885% | 1,295 |
| Core capital (leverage) ratio | 12.5877% | 1,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $156,251,750 | 3,405 |
| Average earning assets | $148,766,500 | 3,359 |
| Average equity | $16,758,500 | 3,257 |
| Average total loans | $101,063,250 | 3,140 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3880% | 2,476 |
| Cost of funding earning assets | 0.3306% | 1,436 |
| Net interest margin | 3.0574% | 2,694 |
| Noninterest income to average assets | 0.3611% | 2,985 |
| Noninterest expense to average assets | 1.3167% | 4,586 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8616% | 293 |
| Return on assets (ROA) | 1.8616% | 288 |
| Pretax return on assets | 1.9585% | 416 |
| Return on Equity (ROE) | 17.3371% | 530 |
| Retained earnings to average equity (ytd only) | 15.3883% | 234 |
| Net charge-offs to loans | -0.0080% | 3,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2026% | 4,603 |
| Assets per employee ($millions) | 12.0410% | 373 |
| Cash dividends to net income (ytd only)* | 11.2406% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 952 |
| Loan loss allowance to noncurrent loans | 1,418.0328% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.0779% | 3,198 |
| Noncurrent loans to loans | 0.1202% | 3,130 |
| Net loans and leases to total assets | 63.7552% | 1,937 |
| Net loans and leases to deposits | 71.3133% | 2,081 |
| Net loans and leases to core deposits | 72.7762% | 2,253 |
| Total domestic deposits to total assets | 89.4016% | 1,999 |
| Equity capital to assets | 10.3748% | 1,495 |
| Core capital (leverage) ratio | 12.1156% | 1,108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,750,667 | 3,445 |
| Average earning assets | $149,410,000 | 3,402 |
| Average equity | $16,831,000 | 3,335 |
| Average total loans | $99,587,000 | 3,194 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2513% | 2,529 |
| Cost of funding earning assets | 0.3387% | 1,298 |
| Net interest margin | 2.9125% | 2,794 |
| Noninterest income to average assets | 0.3188% | 3,189 |
| Noninterest expense to average assets | 1.3158% | 4,610 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.7009% | 412 |
| Return on assets (ROA) | 1.7009% | 413 |
| Pretax return on assets | 1.7876% | 560 |
| Return on Equity (ROE) | 15.5782% | 573 |
| Retained earnings to average equity (ytd only) | 13.6630% | 401 |
| Net charge-offs to loans | -0.0081% | 3,505 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3993% | 4,599 |
| Assets per employee ($millions) | 13.8829% | 248 |
| Cash dividends to net income (ytd only)* | 12.2939% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7566% | 953 |
| Loan loss allowance to noncurrent loans | 1,477.7778% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0766% | 3,306 |
| Noncurrent loans to loans | 0.1189% | 3,231 |
| Net loans and leases to total assets | 63.3218% | 1,707 |
| Net loans and leases to deposits | 71.2964% | 1,832 |
| Net loans and leases to core deposits | 72.8031% | 2,045 |
| Total domestic deposits to total assets | 88.8149% | 2,163 |
| Equity capital to assets | 10.9801% | 1,336 |
| Core capital (leverage) ratio | 11.0269% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,859,500 | 3,452 |
| Average earning assets | $149,973,000 | 3,409 |
| Average equity | $17,126,500 | 3,387 |
| Average total loans | $98,616,500 | 3,207 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9479% | 1,496 |
| Cost of funding earning assets | 0.3743% | 1,724 |
| Net interest margin | 3.5736% | 1,539 |
| Noninterest income to average assets | 0.4303% | 2,903 |
| Noninterest expense to average assets | 1.5549% | 4,479 |
| Loan and lease loss provision to assets | 0.1013% | 1,238 |
| Net operating income to assets | 2.0318% | 321 |
| Return on assets (ROA) | 2.0318% | 337 |
| Pretax return on assets | 2.1338% | 465 |
| Return on Equity (ROE) | 15.1660% | 915 |
| Retained earnings to average equity (ytd only) | -8.9040% | 4,754 |
| Net charge-offs to loans | 0.0716% | 1,075 |
| Credit loss provision to net charge-offs | 217.3913% | 1,261 |
| Earnings coverage of net charge-offs (x) | 47.9565% | 1,324 |
| Efficiency ratio | 41.0266% | 4,667 |
| Assets per employee ($millions) | 13.4173% | 280 |
| Cash dividends to net income (ytd only)* | 158.7101% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7469% | 955 |
| Loan loss allowance to noncurrent loans | 1,514.0351% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 3,468 |
| Noncurrent loans to loans | 0.1154% | 3,352 |
| Net loans and leases to total assets | 60.2943% | 2,133 |
| Net loans and leases to deposits | 68.2403% | 2,290 |
| Net loans and leases to core deposits | 69.6094% | 2,491 |
| Total domestic deposits to total assets | 88.3558% | 1,851 |
| Equity capital to assets | 10.8598% | 1,893 |
| Core capital (leverage) ratio | 11.3850% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,047,800 | 3,501 |
| Average earning assets | $139,188,000 | 3,482 |
| Average equity | $19,833,800 | 3,231 |
| Average total loans | $96,380,000 | 3,243 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 1,992 |
| Cost of funding earning assets | 0.3860% | 1,812 |
| Net interest margin | 3.4255% | 2,086 |
| Noninterest income to average assets | 0.4567% | 2,810 |
| Noninterest expense to average assets | 1.5376% | 4,549 |
| Loan and lease loss provision to assets | 0.0918% | 1,301 |
| Net operating income to assets | 1.9262% | 533 |
| Return on assets (ROA) | 1.9262% | 554 |
| Pretax return on assets | 2.0385% | 748 |
| Return on Equity (ROE) | 13.6588% | 1,495 |
| Retained earnings to average equity (ytd only) | 12.0527% | 827 |
| Net charge-offs to loans | 0.0988% | 742 |
| Credit loss provision to net charge-offs | 140.8451% | 1,387 |
| Earnings coverage of net charge-offs (x) | 32.5915% | 1,482 |
| Efficiency ratio | 41.9177% | 4,664 |
| Assets per employee ($millions) | 11.3828% | 438 |
| Cash dividends to net income (ytd only)* | 11.7591% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7905% | 944 |
| Loan loss allowance to noncurrent loans | 1,406.7227% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0804% | 3,563 |
| Noncurrent loans to loans | 0.1273% | 3,468 |
| Net loans and leases to total assets | 62.0482% | 1,998 |
| Net loans and leases to deposits | 72.7903% | 1,983 |
| Net loans and leases to core deposits | 74.1201% | 2,228 |
| Total domestic deposits to total assets | 85.2423% | 3,032 |
| Equity capital to assets | 14.4509% | 647 |
| Core capital (leverage) ratio | 14.0315% | 632 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,808,000 | 3,571 |
| Average earning assets | $135,761,250 | 3,560 |
| Average equity | $20,421,000 | 3,211 |
| Average total loans | $95,774,000 | 3,291 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8502% | 1,945 |
| Cost of funding earning assets | 0.3934% | 1,942 |
| Net interest margin | 3.4568% | 1,983 |
| Noninterest income to average assets | 0.4953% | 2,640 |
| Noninterest expense to average assets | 1.5471% | 4,580 |
| Loan and lease loss provision to assets | 0.1391% | 871 |
| Net operating income to assets | 1.9088% | 578 |
| Return on assets (ROA) | 1.9088% | 607 |
| Pretax return on assets | 2.0368% | 773 |
| Return on Equity (ROE) | 13.6517% | 1,518 |
| Retained earnings to average equity (ytd only) | 12.0199% | 910 |
| Net charge-offs to loans | 0.1492% | 550 |
| Credit loss provision to net charge-offs | 138.8889% | 1,192 |
| Earnings coverage of net charge-offs (x) | 21.7222% | 1,502 |
| Efficiency ratio | 41.5546% | 4,708 |
| Assets per employee ($millions) | 9.9303% | 625 |
| Cash dividends to net income (ytd only)* | 11.9534% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7569% | 957 |
| Loan loss allowance to noncurrent loans | 3,890.6977% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 4,069 |
| Noncurrent loans to loans | 0.0452% | 3,958 |
| Net loans and leases to total assets | 62.8055% | 2,083 |
| Net loans and leases to deposits | 73.4311% | 2,057 |
| Net loans and leases to core deposits | 74.5773% | 2,361 |
| Total domestic deposits to total assets | 85.5299% | 2,902 |
| Equity capital to assets | 13.8726% | 738 |
| Core capital (leverage) ratio | 13.7792% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $143,751,667 | 3,592 |
| Average earning assets | $134,227,667 | 3,580 |
| Average equity | $20,100,000 | 3,232 |
| Average total loans | $96,535,000 | 3,302 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8878% | 1,857 |
| Cost of funding earning assets | 0.4107% | 2,005 |
| Net interest margin | 3.4771% | 1,892 |
| Noninterest income to average assets | 0.5101% | 2,564 |
| Noninterest expense to average assets | 1.7060% | 4,364 |
| Loan and lease loss provision to assets | 0.2834% | 344 |
| Net operating income to assets | 1.6181% | 1,095 |
| Return on assets (ROA) | 1.6181% | 1,144 |
| Pretax return on assets | 1.7598% | 1,381 |
| Return on Equity (ROE) | 11.5249% | 2,180 |
| Retained earnings to average equity (ytd only) | 9.8698% | 1,690 |
| Net charge-offs to loans | 0.1358% | 553 |
| Credit loss provision to net charge-offs | 303.0303% | 750 |
| Earnings coverage of net charge-offs (x) | 21.8485% | 1,219 |
| Efficiency ratio | 45.5026% | 4,498 |
| Assets per employee ($millions) | 10.9345% | 458 |
| Cash dividends to net income (ytd only)* | 14.3608% | 2,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 892 |
| Loan loss allowance to noncurrent loans | 1,678.4314% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0718% | 3,858 |
| Noncurrent loans to loans | 0.1065% | 3,775 |
| Net loans and leases to total assets | 66.1423% | 1,785 |
| Net loans and leases to deposits | 77.8163% | 1,739 |
| Net loans and leases to core deposits | 79.5485% | 2,047 |
| Total domestic deposits to total assets | 84.9980% | 3,092 |
| Equity capital to assets | 14.0424% | 661 |
| Core capital (leverage) ratio | 14.0421% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,150,000 | 3,626 |
| Average earning assets | $131,489,500 | 3,618 |
| Average equity | $19,818,000 | 3,254 |
| Average total loans | $97,190,000 | 3,304 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3057% | 1,854 |
| Cost of funding earning assets | 0.6394% | 2,060 |
| Net interest margin | 3.6663% | 1,924 |
| Noninterest income to average assets | 0.5969% | 2,223 |
| Noninterest expense to average assets | 1.5655% | 4,728 |
| Loan and lease loss provision to assets | 0.3856% | 836 |
| Net operating income to assets | 1.9604% | 285 |
| Return on assets (ROA) | 1.9604% | 310 |
| Pretax return on assets | 2.0683% | 393 |
| Return on Equity (ROE) | 13.4514% | 934 |
| Retained earnings to average equity (ytd only) | 8.1809% | 1,003 |
| Net charge-offs to loans | 0.1564% | 1,049 |
| Credit loss provision to net charge-offs | 326.7974% | 1,648 |
| Earnings coverage of net charge-offs (x) | 20.7974% | 1,924 |
| Efficiency ratio | 38.9486% | 4,889 |
| Assets per employee ($millions) | 10.7809% | 420 |
| Cash dividends to net income (ytd only)* | 39.1817% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 1,117 |
| Loan loss allowance to noncurrent loans | 108.2949% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 1.0838% | 847 |
| Noncurrent loans to loans | 1.5398% | 861 |
| Net loans and leases to total assets | 69.2127% | 1,659 |
| Net loans and leases to deposits | 81.9718% | 1,666 |
| Net loans and leases to core deposits | 84.5386% | 1,991 |
| Total domestic deposits to total assets | 84.4348% | 2,974 |
| Equity capital to assets | 14.0383% | 785 |
| Core capital (leverage) ratio | 14.2246% | 650 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,669,600 | 3,630 |
| Average earning assets | $121,047,800 | 3,613 |
| Average equity | $18,897,600 | 3,286 |
| Average total loans | $97,841,400 | 3,263 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 1,805 |
| Cost of funding earning assets | 0.7007% | 2,020 |
| Net interest margin | 3.7185% | 1,881 |
| Noninterest income to average assets | 0.5803% | 2,250 |
| Noninterest expense to average assets | 1.5689% | 4,757 |
| Loan and lease loss provision to assets | 0.5250% | 544 |
| Net operating income to assets | 1.8512% | 410 |
| Return on assets (ROA) | 1.8512% | 453 |
| Pretax return on assets | 1.9562% | 561 |
| Return on Equity (ROE) | 12.5750% | 1,227 |
| Retained earnings to average equity (ytd only) | 10.8214% | 610 |
| Net charge-offs to loans | 0.2048% | 748 |
| Credit loss provision to net charge-offs | 333.3333% | 1,654 |
| Earnings coverage of net charge-offs (x) | 15.7600% | 2,088 |
| Efficiency ratio | 38.7406% | 4,922 |
| Assets per employee ($millions) | 10.0490% | 501 |
| Cash dividends to net income (ytd only)* | 13.9456% | 3,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6720% | 937 |
| Loan loss allowance to noncurrent loans | 120.4678% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 1,038 |
| Noncurrent loans to loans | 1.3879% | 1,045 |
| Net loans and leases to total assets | 74.1895% | 1,350 |
| Net loans and leases to deposits | 88.8244% | 1,392 |
| Net loans and leases to core deposits | 91.8385% | 1,809 |
| Total domestic deposits to total assets | 83.5238% | 2,984 |
| Equity capital to assets | 15.0539% | 625 |
| Core capital (leverage) ratio | 14.6688% | 593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,049,000 | 3,657 |
| Average earning assets | $118,540,750 | 3,629 |
| Average equity | $18,703,250 | 3,306 |
| Average total loans | $97,639,750 | 3,281 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4992% | 1,917 |
| Cost of funding earning assets | 0.7519% | 2,109 |
| Net interest margin | 3.7474% | 2,002 |
| Noninterest income to average assets | 0.5689% | 2,259 |
| Noninterest expense to average assets | 1.6209% | 4,764 |
| Loan and lease loss provision to assets | 0.7946% | 312 |
| Net operating income to assets | 1.5431% | 856 |
| Return on assets (ROA) | 1.5431% | 929 |
| Pretax return on assets | 1.6384% | 1,133 |
| Return on Equity (ROE) | 10.5645% | 1,789 |
| Retained earnings to average equity (ytd only) | 8.7802% | 1,081 |
| Net charge-offs to loans | -0.0390% | 4,617 |
| Credit loss provision to net charge-offs | -2,631.5789% | 3,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9843% | 4,918 |
| Assets per employee ($millions) | 10.1763% | 472 |
| Cash dividends to net income (ytd only)* | 16.8898% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8303% | 613 |
| Loan loss allowance to noncurrent loans | 104.3054% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.3168% | 784 |
| Noncurrent loans to loans | 1.7547% | 811 |
| Net loans and leases to total assets | 73.6681% | 1,456 |
| Net loans and leases to deposits | 88.1764% | 1,538 |
| Net loans and leases to core deposits | 91.9822% | 1,904 |
| Total domestic deposits to total assets | 83.5462% | 2,904 |
| Equity capital to assets | 14.3282% | 770 |
| Core capital (leverage) ratio | 14.2077% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,853,000 | 3,649 |
| Average earning assets | $117,042,667 | 3,635 |
| Average equity | $18,382,333 | 3,329 |
| Average total loans | $97,330,667 | 3,280 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6183% | 1,948 |
| Cost of funding earning assets | 0.8559% | 2,086 |
| Net interest margin | 3.7624% | 2,104 |
| Noninterest income to average assets | 0.4534% | 2,774 |
| Noninterest expense to average assets | 1.6733% | 4,798 |
| Loan and lease loss provision to assets | 0.9785% | 220 |
| Net operating income to assets | 1.2036% | 1,507 |
| Return on assets (ROA) | 1.2036% | 1,622 |
| Pretax return on assets | 1.3145% | 1,832 |
| Return on Equity (ROE) | 8.1565% | 2,451 |
| Retained earnings to average equity (ytd only) | 6.3439% | 1,761 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1875% | 4,938 |
| Assets per employee ($millions) | 9.4922% | 446 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 973 |
| Loan loss allowance to noncurrent loans | 72.8350% | 3,681 |
| Noncurrent assets plus other real estate owned to assets | 1.7780% | 522 |
| Noncurrent loans to loans | 2.2547% | 572 |
| Net loans and leases to total assets | 77.5628% | 1,047 |
| Net loans and leases to deposits | 93.0796% | 1,173 |
| Net loans and leases to core deposits | 97.1035% | 1,709 |
| Total domestic deposits to total assets | 83.3296% | 3,005 |
| Equity capital to assets | 14.7976% | 804 |
| Core capital (leverage) ratio | 14.9093% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,633,500 | 3,669 |
| Average earning assets | $114,500,000 | 3,640 |
| Average equity | $18,096,000 | 3,356 |
| Average total loans | $96,359,000 | 3,271 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8305% | 1,948 |
| Cost of funding earning assets | 0.9897% | 1,769 |
| Net interest margin | 3.8408% | 2,369 |
| Noninterest income to average assets | 0.4635% | 2,936 |
| Noninterest expense to average assets | 1.6744% | 4,893 |
| Loan and lease loss provision to assets | 0.0843% | 2,320 |
| Net operating income to assets | 2.1691% | 234 |
| Return on assets (ROA) | 2.1691% | 247 |
| Pretax return on assets | 2.3022% | 309 |
| Return on Equity (ROE) | 14.8772% | 712 |
| Retained earnings to average equity (ytd only) | 9.2766% | 646 |
| Net charge-offs to loans | -0.0310% | 4,719 |
| Credit loss provision to net charge-offs | -333.3333% | 4,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2326% | 5,041 |
| Assets per employee ($millions) | 9.3745% | 434 |
| Cash dividends to net income (ytd only)* | 37.6457% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 1,668 |
| Loan loss allowance to noncurrent loans | 87.4159% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.2193% | 956 |
| Noncurrent loans to loans | 1.5575% | 912 |
| Net loans and leases to total assets | 77.2223% | 1,220 |
| Net loans and leases to deposits | 92.9665% | 1,263 |
| Net loans and leases to core deposits | 96.7931% | 1,828 |
| Total domestic deposits to total assets | 83.0646% | 3,174 |
| Equity capital to assets | 14.7142% | 866 |
| Core capital (leverage) ratio | 14.7681% | 731 |
| Tier 1 risk-based capital ratio | 15.1114% | 2,733 |
| Total risk-based capital ratio | 16.2077% | 2,735 |
| Memoranda: | ||
| Average total assets | $118,668,800 | 3,724 |
| Average earning assets | $111,148,200 | 3,688 |
| Average equity | $17,301,600 | 3,405 |
| Average total loans | $96,693,000 | 3,269 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8636% | 1,934 |
| Cost of funding earning assets | 0.9906% | 1,804 |
| Net interest margin | 3.8730% | 2,355 |
| Noninterest income to average assets | 0.4762% | 2,874 |
| Noninterest expense to average assets | 1.6481% | 4,966 |
| Loan and lease loss provision to assets | 0.0566% | 2,763 |
| Net operating income to assets | 2.2590% | 244 |
| Return on assets (ROA) | 2.2590% | 256 |
| Pretax return on assets | 2.4026% | 305 |
| Return on Equity (ROE) | 15.5308% | 678 |
| Retained earnings to average equity (ytd only) | 13.6177% | 226 |
| Net charge-offs to loans | -0.0330% | 4,721 |
| Credit loss provision to net charge-offs | -208.3333% | 4,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1267% | 5,121 |
| Assets per employee ($millions) | 9.2696% | 434 |
| Cash dividends to net income (ytd only)* | 12.3184% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2821% | 2,049 |
| Loan loss allowance to noncurrent loans | 124.0759% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8307% | 1,659 |
| Noncurrent loans to loans | 1.0333% | 1,551 |
| Net loans and leases to total assets | 79.3560% | 936 |
| Net loans and leases to deposits | 97.1207% | 904 |
| Net loans and leases to core deposits | 102.7231% | 1,440 |
| Total domestic deposits to total assets | 81.7086% | 3,558 |
| Equity capital to assets | 15.0218% | 840 |
| Core capital (leverage) ratio | 15.2158% | 691 |
| Tier 1 risk-based capital ratio | 15.2386% | 2,746 |
| Total risk-based capital ratio | 16.2871% | 2,760 |
| Memoranda: | ||
| Average total assets | $117,868,750 | 3,774 |
| Average earning assets | $110,504,750 | 3,744 |
| Average equity | $17,144,000 | 3,446 |
| Average total loans | $97,014,000 | 3,304 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8640% | 1,866 |
| Cost of funding earning assets | 0.9629% | 1,853 |
| Net interest margin | 3.9011% | 2,242 |
| Noninterest income to average assets | 0.4479% | 2,970 |
| Noninterest expense to average assets | 1.6907% | 4,985 |
| Loan and lease loss provision to assets | 0.0427% | 2,965 |
| Net operating income to assets | 2.2104% | 262 |
| Return on assets (ROA) | 2.2104% | 274 |
| Pretax return on assets | 2.3643% | 308 |
| Return on Equity (ROE) | 15.3703% | 688 |
| Retained earnings to average equity (ytd only) | 13.4208% | 263 |
| Net charge-offs to loans | -0.0392% | 4,760 |
| Credit loss provision to net charge-offs | -131.5789% | 3,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2599% | 5,138 |
| Assets per employee ($millions) | 8.3584% | 591 |
| Cash dividends to net income (ytd only)* | 12.6837% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2938% | 2,042 |
| Loan loss allowance to noncurrent loans | 223.6162% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.4632% | 2,675 |
| Noncurrent loans to loans | 0.5786% | 2,524 |
| Net loans and leases to total assets | 79.0186% | 1,035 |
| Net loans and leases to deposits | 96.6156% | 971 |
| Net loans and leases to core deposits | 102.3477% | 1,525 |
| Total domestic deposits to total assets | 81.7866% | 3,583 |
| Equity capital to assets | 14.9447% | 830 |
| Core capital (leverage) ratio | 14.8466% | 741 |
| Tier 1 risk-based capital ratio | 15.9142% | 2,451 |
| Total risk-based capital ratio | 17.0208% | 2,449 |
| Memoranda: | ||
| Average total assets | $116,990,000 | 3,810 |
| Average earning assets | $109,457,000 | 3,783 |
| Average equity | $16,824,670 | 3,479 |
| Average total loans | $97,062,000 | 3,324 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7300% | 2,119 |
| Cost of funding earning assets | 0.8294% | 2,376 |
| Net interest margin | 3.9006% | 2,186 |
| Noninterest income to average assets | 0.4001% | 3,183 |
| Noninterest expense to average assets | 1.6312% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.2604% | 240 |
| Return on assets (ROA) | 2.2604% | 251 |
| Pretax return on assets | 2.4520% | 273 |
| Return on Equity (ROE) | 16.0306% | 589 |
| Retained earnings to average equity (ytd only) | 14.0419% | 349 |
| Net charge-offs to loans | -0.0122% | 4,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9497% | 5,211 |
| Assets per employee ($millions) | 8.9225% | 495 |
| Cash dividends to net income (ytd only)* | 12.4054% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2122% | 2,512 |
| Loan loss allowance to noncurrent loans | 180.8642% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5587% | 2,410 |
| Noncurrent loans to loans | 0.6702% | 2,340 |
| Net loans and leases to total assets | 82.3455% | 548 |
| Net loans and leases to deposits | 100.1027% | 629 |
| Net loans and leases to core deposits | 107.9412% | 1,054 |
| Total domestic deposits to total assets | 82.2610% | 3,657 |
| Equity capital to assets | 14.4905% | 880 |
| Core capital (leverage) ratio | 14.7100% | 765 |
| Tier 1 risk-based capital ratio | 17.3708% | 1,988 |
| Total risk-based capital ratio | 18.5769% | 1,945 |
| Memoranda: | ||
| Average total assets | $116,968,000 | 3,850 |
| Average earning assets | $110,445,000 | 3,806 |
| Average equity | $16,493,500 | 3,534 |
| Average total loans | $98,754,000 | 3,343 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7828% | 1,584 |
| Cost of funding earning assets | 0.6534% | 2,372 |
| Net interest margin | 4.1294% | 1,592 |
| Noninterest income to average assets | 0.4334% | 3,217 |
| Noninterest expense to average assets | 1.8963% | 4,898 |
| Loan and lease loss provision to assets | 0.0677% | 2,787 |
| Net operating income to assets | 2.2069% | 247 |
| Return on assets (ROA) | 2.2069% | 239 |
| Pretax return on assets | 2.2990% | 296 |
| Return on Equity (ROE) | 15.6683% | 693 |
| Retained earnings to average equity (ytd only) | 9.6420% | 699 |
| Net charge-offs to loans | 0.0127% | 3,264 |
| Credit loss provision to net charge-offs | 625.0000% | 550 |
| Earnings coverage of net charge-offs (x) | 218.4167% | 422 |
| Efficiency ratio | 44.4821% | 5,166 |
| Assets per employee ($millions) | 9.0725% | 455 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 2,779 |
| Loan loss allowance to noncurrent loans | 1,946.6667% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 4,589 |
| Noncurrent loans to loans | 0.0595% | 4,484 |
| Net loans and leases to total assets | 84.4925% | 369 |
| Net loans and leases to deposits | 103.6832% | 496 |
| Net loans and leases to core deposits | 111.8729% | 889 |
| Total domestic deposits to total assets | 81.4911% | 3,791 |
| Equity capital to assets | 13.7176% | 1,060 |
| Core capital (leverage) ratio | 14.7837% | 735 |
| Tier 1 risk-based capital ratio | 10.5540% | 5,159 |
| Total risk-based capital ratio | 11.3102% | 5,244 |
| Memoranda: | ||
| Average total assets | $110,743,800 | 3,931 |
| Average earning assets | $102,701,400 | 3,937 |
| Average equity | $15,598,400 | 3,558 |
| Average total loans | $94,804,800 | 3,392 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7878% | 1,459 |
| Cost of funding earning assets | 0.6087% | 2,412 |
| Net interest margin | 4.1791% | 1,417 |
| Noninterest income to average assets | 0.4528% | 3,146 |
| Noninterest expense to average assets | 1.8810% | 4,936 |
| Loan and lease loss provision to assets | 0.0612% | 2,752 |
| Net operating income to assets | 2.2825% | 237 |
| Return on assets (ROA) | 2.2825% | 237 |
| Pretax return on assets | 2.3755% | 289 |
| Return on Equity (ROE) | 16.0911% | 682 |
| Retained earnings to average equity (ytd only) | 13.9686% | 254 |
| Net charge-offs to loans | 0.0229% | 2,682 |
| Credit loss provision to net charge-offs | 312.5000% | 989 |
| Earnings coverage of net charge-offs (x) | 124.4538% | 640 |
| Efficiency ratio | 43.5658% | 5,230 |
| Assets per employee ($millions) | 8.6074% | 509 |
| Cash dividends to net income (ytd only)* | 13.1903% | 3,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 2,761 |
| Loan loss allowance to noncurrent loans | 1,701.4925% | 374 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,677 |
| Noncurrent loans to loans | 0.0691% | 4,567 |
| Net loans and leases to total assets | 85.6045% | 301 |
| Net loans and leases to deposits | 109.0806% | 318 |
| Net loans and leases to core deposits | 116.4454% | 696 |
| Total domestic deposits to total assets | 78.4782% | 4,408 |
| Equity capital to assets | 14.5162% | 823 |
| Core capital (leverage) ratio | 15.0103% | 701 |
| Tier 1 risk-based capital ratio | 14.2887% | 3,217 |
| Total risk-based capital ratio | 15.2810% | 3,264 |
| Memoranda: | ||
| Average total assets | $108,944,000 | 4,001 |
| Average earning assets | $100,753,750 | 4,002 |
| Average equity | $15,453,250 | 3,605 |
| Average total loans | $93,300,750 | 3,442 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 1,279 |
| Cost of funding earning assets | 0.5722% | 2,415 |
| Net interest margin | 4.2171% | 1,244 |
| Noninterest income to average assets | 0.4613% | 3,083 |
| Noninterest expense to average assets | 1.9063% | 4,948 |
| Loan and lease loss provision to assets | 0.0926% | 2,061 |
| Net operating income to assets | 2.2582% | 232 |
| Return on assets (ROA) | 2.2582% | 227 |
| Pretax return on assets | 2.3675% | 289 |
| Return on Equity (ROE) | 16.0500% | 665 |
| Retained earnings to average equity (ytd only) | 13.8907% | 294 |
| Net charge-offs to loans | 0.0434% | 1,997 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 66.4000% | 940 |
| Efficiency ratio | 43.6572% | 5,293 |
| Assets per employee ($millions) | 7.8643% | 658 |
| Cash dividends to net income (ytd only)* | 13.4537% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 2,601 |
| 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 | 83.6058% | 514 |
| Net loans and leases to deposits | 104.1078% | 520 |
| Net loans and leases to core deposits | 110.2461% | 981 |
| Total domestic deposits to total assets | 80.3070% | 4,176 |
| Equity capital to assets | 14.2507% | 868 |
| Core capital (leverage) ratio | 14.9973% | 668 |
| Tier 1 risk-based capital ratio | 13.2509% | 3,762 |
| Total risk-based capital ratio | 14.2013% | 3,839 |
| Memoranda: | ||
| Average total assets | $107,960,000 | 4,049 |
| Average earning assets | $99,973,000 | 4,048 |
| Average equity | $15,190,000 | 3,654 |
| Average total loans | $92,091,670 | 3,479 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8468% | 984 |
| Cost of funding earning assets | 0.5726% | 2,234 |
| Net interest margin | 4.2742% | 997 |
| Noninterest income to average assets | 0.3705% | 3,657 |
| Noninterest expense to average assets | 1.8748% | 5,061 |
| Loan and lease loss provision to assets | 0.0936% | 1,949 |
| Net operating income to assets | 2.2490% | 223 |
| Return on assets (ROA) | 2.2490% | 222 |
| Pretax return on assets | 2.3688% | 282 |
| Return on Equity (ROE) | 16.0910% | 605 |
| Retained earnings to average equity (ytd only) | 13.8956% | 415 |
| Net charge-offs to loans | 0.0918% | 1,246 |
| Credit loss provision to net charge-offs | 119.0476% | 1,384 |
| Earnings coverage of net charge-offs (x) | 31.3333% | 1,215 |
| Efficiency ratio | 43.2269% | 5,368 |
| Assets per employee ($millions) | 8.3043% | 563 |
| Cash dividends to net income (ytd only)* | 13.6439% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 2,925 |
| Loan loss allowance to noncurrent loans | 1,077.6699% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0954% | 4,618 |
| Noncurrent loans to loans | 0.1096% | 4,483 |
| Net loans and leases to total assets | 86.0054% | 260 |
| Net loans and leases to deposits | 106.8606% | 352 |
| Net loans and leases to core deposits | 109.8312% | 1,016 |
| Total domestic deposits to total assets | 80.4837% | 4,326 |
| Equity capital to assets | 14.0381% | 884 |
| Core capital (leverage) ratio | 14.5116% | 758 |
| Tier 1 risk-based capital ratio | 12.6218% | 4,162 |
| Total risk-based capital ratio | 13.5366% | 4,279 |
| Memoranda: | ||
| Average total assets | $106,890,000 | 4,107 |
| Average earning assets | $99,199,500 | 4,113 |
| Average equity | $14,940,000 | 3,715 |
| Average total loans | $91,544,000 | 3,515 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5400% | 1,586 |
| Cost of funding earning assets | 0.5034% | 2,301 |
| Net interest margin | 4.0366% | 1,638 |
| Noninterest income to average assets | 0.5142% | 2,915 |
| Noninterest expense to average assets | 1.8738% | 5,154 |
| Loan and lease loss provision to assets | 0.0733% | 2,743 |
| Net operating income to assets | 2.1904% | 194 |
| Return on assets (ROA) | 2.1886% | 198 |
| Pretax return on assets | 2.2961% | 266 |
| Return on Equity (ROE) | 15.6600% | 519 |
| Retained earnings to average equity (ytd only) | 9.2603% | 463 |
| Net charge-offs to loans | -0.0094% | 4,778 |
| Credit loss provision to net charge-offs | -937.5000% | 5,055 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1400% | 5,446 |
| Assets per employee ($millions) | 8.1403% | 609 |
| Cash dividends to net income (ytd only)* | 40.8665% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 2,527 |
| Loan loss allowance to noncurrent loans | 296.5147% | 1,669 |
| Noncurrent assets plus other real estate owned to assets | 0.3525% | 3,456 |
| Noncurrent loans to loans | 0.4185% | 3,273 |
| Net loans and leases to total assets | 83.1796% | 531 |
| Net loans and leases to deposits | 99.3163% | 785 |
| Net loans and leases to core deposits | 102.0201% | 1,553 |
| Total domestic deposits to total assets | 83.7523% | 3,293 |
| Equity capital to assets | 13.9146% | 936 |
| Core capital (leverage) ratio | 14.2086% | 793 |
| Tier 1 risk-based capital ratio | 12.5898% | 4,153 |
| Total risk-based capital ratio | 13.5309% | 4,254 |
| Memoranda: | ||
| Average total assets | $102,303,400 | 4,201 |
| Average earning assets | $94,559,200 | 4,189 |
| Average equity | $14,297,600 | 3,811 |
| Average total loans | $84,785,600 | 3,642 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5323% | 1,551 |
| Cost of funding earning assets | 0.5014% | 2,248 |
| Net interest margin | 4.0310% | 1,601 |
| Noninterest income to average assets | 0.5193% | 2,903 |
| Noninterest expense to average assets | 1.7629% | 5,308 |
| Loan and lease loss provision to assets | 0.0657% | 2,756 |
| Net operating income to assets | 2.3043% | 178 |
| Return on assets (ROA) | 2.3018% | 176 |
| Pretax return on assets | 2.4188% | 243 |
| Return on Equity (ROE) | 16.4516% | 485 |
| Retained earnings to average equity (ytd only) | 14.1403% | 149 |
| Net charge-offs to loans | -0.0080% | 4,570 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4785% | 5,543 |
| Assets per employee ($millions) | 7.8264% | 672 |
| Cash dividends to net income (ytd only)* | 14.0490% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2362% | 2,716 |
| Loan loss allowance to noncurrent loans | 162.9909% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.6507% | 2,550 |
| Noncurrent loans to loans | 0.7584% | 2,463 |
| Net loans and leases to total assets | 84.7292% | 364 |
| Net loans and leases to deposits | 102.4822% | 584 |
| Net loans and leases to core deposits | 105.4159% | 1,307 |
| Total domestic deposits to total assets | 82.6769% | 3,557 |
| Equity capital to assets | 14.7096% | 806 |
| Core capital (leverage) ratio | 14.8486% | 690 |
| Tier 1 risk-based capital ratio | 13.6995% | 3,578 |
| Total risk-based capital ratio | 14.6865% | 3,661 |
| Memoranda: | ||
| Average total assets | $101,423,250 | 4,256 |
| Average earning assets | $93,871,000 | 4,241 |
| Average equity | $14,190,750 | 3,859 |
| Average total loans | $83,699,500 | 3,690 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 1,488 |
| Cost of funding earning assets | 0.5028% | 2,143 |
| Net interest margin | 4.0076% | 1,579 |
| Noninterest income to average assets | 0.5132% | 2,941 |
| Noninterest expense to average assets | 1.7825% | 5,332 |
| Loan and lease loss provision to assets | 0.0494% | 3,001 |
| Net operating income to assets | 2.2642% | 190 |
| Return on assets (ROA) | 2.2642% | 189 |
| Pretax return on assets | 2.3787% | 263 |
| Return on Equity (ROE) | 16.4653% | 464 |
| Retained earnings to average equity (ytd only) | 14.1111% | 176 |
| Net charge-offs to loans | -0.0097% | 4,518 |
| Credit loss provision to net charge-offs | -625.0000% | 4,729 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3347% | 5,564 |
| Assets per employee ($millions) | 6.8423% | 991 |
| Cash dividends to net income (ytd only)* | 14.2982% | 3,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2639% | 2,600 |
| Loan loss allowance to noncurrent loans | 161.2557% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.6362% | 2,652 |
| Noncurrent loans to loans | 0.7838% | 2,446 |
| Net loans and leases to total assets | 80.1469% | 929 |
| Net loans and leases to deposits | 93.8922% | 1,276 |
| Net loans and leases to core deposits | 96.4688% | 1,932 |
| Total domestic deposits to total assets | 85.3606% | 2,664 |
| Equity capital to assets | 14.0860% | 932 |
| Core capital (leverage) ratio | 14.2339% | 795 |
| Tier 1 risk-based capital ratio | 9.6580% | 5,686 |
| Total risk-based capital ratio | 10.3616% | 5,731 |
| Memoranda: | ||
| Average total assets | $101,316,670 | 4,281 |
| Average earning assets | $93,472,670 | 4,279 |
| Average equity | $13,932,330 | 3,897 |
| Average total loans | $82,504,330 | 3,730 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,407 |
| Cost of funding earning assets | 0.5071% | 2,029 |
| Net interest margin | 3.9791% | 1,523 |
| Noninterest income to average assets | 0.4212% | 3,513 |
| Noninterest expense to average assets | 1.7843% | 5,400 |
| Loan and lease loss provision to assets | 0.0993% | 1,905 |
| Net operating income to assets | 2.1061% | 259 |
| Return on assets (ROA) | 2.1061% | 266 |
| Pretax return on assets | 2.2174% | 348 |
| Return on Equity (ROE) | 15.5084% | 591 |
| Retained earnings to average equity (ytd only) | 13.1090% | 371 |
| Net charge-offs to loans | -0.0097% | 4,409 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5078% | 5,611 |
| Assets per employee ($millions) | 7.6958% | 701 |
| Cash dividends to net income (ytd only)* | 15.4717% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2858% | 2,606 |
| Loan loss allowance to noncurrent loans | 208.9463% | 2,177 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 3,207 |
| Noncurrent loans to loans | 0.6154% | 2,979 |
| Net loans and leases to total assets | 80.6529% | 743 |
| Net loans and leases to deposits | 94.2343% | 1,085 |
| Net loans and leases to core deposits | 96.8714% | 1,760 |
| Total domestic deposits to total assets | 85.5876% | 2,846 |
| Equity capital to assets | 13.8896% | 939 |
| Core capital (leverage) ratio | 14.0259% | 837 |
| Tier 1 risk-based capital ratio | 9.6831% | 5,756 |
| Total risk-based capital ratio | 10.4143% | 5,792 |
| Memoranda: | ||
| Average total assets | $100,658,000 | 4,337 |
| Average earning assets | $93,086,500 | 4,333 |
| Average equity | $13,670,000 | 3,968 |
| Average total loans | $82,101,000 | 3,764 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 1,409 |
| Cost of funding earning assets | 0.5140% | 1,988 |
| Net interest margin | 4.0343% | 1,547 |
| Noninterest income to average assets | 0.5672% | 2,830 |
| Noninterest expense to average assets | 1.9935% | 5,206 |
| Loan and lease loss provision to assets | 0.0569% | 3,246 |
| Net operating income to assets | 2.1132% | 259 |
| Return on assets (ROA) | 2.1260% | 259 |
| Pretax return on assets | 2.2347% | 306 |
| Return on Equity (ROE) | 15.6631% | 539 |
| Retained earnings to average equity (ytd only) | 8.8992% | 608 |
| Net charge-offs to loans | 0.0038% | 4,118 |
| Credit loss provision to net charge-offs | 1,833.3333% | 241 |
| Earnings coverage of net charge-offs (x) | 733.6667% | 105 |
| Efficiency ratio | 46.6683% | 5,622 |
| Assets per employee ($millions) | 7.7900% | 655 |
| Cash dividends to net income (ytd only)* | 43.1840% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 2,866 |
| Loan loss allowance to noncurrent loans | 1,024.0000% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.0987% | 4,927 |
| Noncurrent loans to loans | 0.1213% | 4,750 |
| Net loans and leases to total assets | 80.4157% | 826 |
| Net loans and leases to deposits | 93.1869% | 1,276 |
| Net loans and leases to core deposits | 95.7395% | 1,945 |
| Total domestic deposits to total assets | 86.2951% | 2,460 |
| Equity capital to assets | 13.2754% | 1,145 |
| Core capital (leverage) ratio | 13.3493% | 1,020 |
| Tier 1 risk-based capital ratio | 10.0017% | 5,736 |
| Total risk-based capital ratio | 10.7620% | 5,804 |
| Memoranda: | ||
| Average total assets | $96,612,400 | 4,415 |
| Average earning assets | $88,715,200 | 4,416 |
| Average equity | $13,113,600 | 4,077 |
| Average total loans | $78,313,800 | 3,843 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 1,362 |
| Cost of funding earning assets | 0.5186% | 1,948 |
| Net interest margin | 4.0511% | 1,526 |
| Noninterest income to average assets | 0.5923% | 2,702 |
| Noninterest expense to average assets | 1.9445% | 5,302 |
| Loan and lease loss provision to assets | 0.0489% | 3,268 |
| Net operating income to assets | 2.2094% | 240 |
| Return on assets (ROA) | 2.2266% | 247 |
| Pretax return on assets | 2.3384% | 289 |
| Return on Equity (ROE) | 16.3094% | 510 |
| Retained earnings to average equity (ytd only) | 13.7924% | 185 |
| Net charge-offs to loans | 0.0086% | 3,624 |
| Credit loss provision to net charge-offs | 700.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 339.0225% | 252 |
| Efficiency ratio | 45.0777% | 5,707 |
| Assets per employee ($millions) | 7.5637% | 699 |
| Cash dividends to net income (ytd only)* | 15.4328% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 3,063 |
| Loan loss allowance to noncurrent loans | 170.1188% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.5990% | 3,108 |
| Noncurrent loans to loans | 0.7233% | 2,863 |
| Net loans and leases to total assets | 81.7966% | 650 |
| Net loans and leases to deposits | 95.8515% | 1,062 |
| Net loans and leases to core deposits | 98.5698% | 1,765 |
| Total domestic deposits to total assets | 85.3368% | 2,662 |
| Equity capital to assets | 14.0123% | 1,025 |
| Core capital (leverage) ratio | 13.8644% | 888 |
| Tier 1 risk-based capital ratio | 10.0148% | 5,789 |
| Total risk-based capital ratio | 10.7498% | 5,865 |
| Memoranda: | ||
| Average total assets | $95,448,000 | 4,470 |
| Average earning assets | $87,677,500 | 4,476 |
| Average equity | $13,031,000 | 4,116 |
| Average total loans | $77,277,000 | 3,894 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5286% | 1,434 |
| Cost of funding earning assets | 0.5091% | 2,032 |
| Net interest margin | 4.0196% | 1,584 |
| Noninterest income to average assets | 0.5207% | 3,060 |
| Noninterest expense to average assets | 1.9516% | 5,368 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1519% | 244 |
| Return on assets (ROA) | 2.1781% | 250 |
| Pretax return on assets | 2.2902% | 311 |
| Return on Equity (ROE) | 16.1008% | 531 |
| Retained earnings to average equity (ytd only) | 13.5347% | 210 |
| Net charge-offs to loans | 0.0184% | 3,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 152.7143% | 405 |
| Efficiency ratio | 46.3084% | 5,741 |
| Assets per employee ($millions) | 6.9766% | 884 |
| Cash dividends to net income (ytd only)* | 15.9378% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 3,126 |
| Loan loss allowance to noncurrent loans | 146.2121% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.8733% | 2,413 |
| Noncurrent loans to loans | 0.8488% | 2,621 |
| Net loans and leases to total assets | 78.6215% | 1,122 |
| Net loans and leases to deposits | 91.6263% | 1,564 |
| Net loans and leases to core deposits | 94.2222% | 2,143 |
| Total domestic deposits to total assets | 85.8067% | 2,517 |
| Equity capital to assets | 13.5933% | 1,185 |
| Core capital (leverage) ratio | 13.4866% | 988 |
| Tier 1 risk-based capital ratio | 10.0514% | 5,839 |
| Total risk-based capital ratio | 10.7879% | 5,922 |
| Memoranda: | ||
| Average total assets | $94,488,000 | 4,531 |
| Average earning assets | $86,825,000 | 4,526 |
| Average equity | $12,782,000 | 4,182 |
| Average total loans | $75,892,330 | 3,954 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 1,411 |
| Cost of funding earning assets | 0.5278% | 1,886 |
| Net interest margin | 4.0076% | 1,588 |
| Noninterest income to average assets | 0.4478% | 3,501 |
| Noninterest expense to average assets | 1.9118% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.1170% | 272 |
| Return on assets (ROA) | 2.1702% | 255 |
| Pretax return on assets | 2.2864% | 324 |
| Return on Equity (ROE) | 16.0836% | 527 |
| Retained earnings to average equity (ytd only) | 13.4668% | 357 |
| Net charge-offs to loans | 0.0427% | 2,148 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 64.7500% | 737 |
| Efficiency ratio | 46.1538% | 5,805 |
| Assets per employee ($millions) | 7.2261% | 809 |
| Cash dividends to net income (ytd only)* | 16.2698% | 2,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2932% | 2,942 |
| Loan loss allowance to noncurrent loans | 190.8911% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7430% | 2,851 |
| Noncurrent loans to loans | 0.6775% | 3,143 |
| Net loans and leases to total assets | 78.3274% | 1,059 |
| Net loans and leases to deposits | 91.2733% | 1,430 |
| Net loans and leases to core deposits | 93.9587% | 1,990 |
| Total domestic deposits to total assets | 85.8163% | 2,758 |
| Equity capital to assets | 13.6195% | 1,131 |
| Core capital (leverage) ratio | 13.7783% | 874 |
| Tier 1 risk-based capital ratio | 10.2880% | 5,832 |
| Total risk-based capital ratio | 11.0672% | 5,920 |
| Memoranda: | ||
| Average total assets | $92,895,500 | 4,599 |
| Average earning assets | $85,637,000 | 4,583 |
| Average equity | $12,534,500 | 4,237 |
| Average total loans | $74,960,000 | 4,001 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6085% | 1,312 |
| Cost of funding earning assets | 0.5441% | 1,815 |
| Net interest margin | 4.0645% | 1,505 |
| Noninterest income to average assets | 0.5020% | 3,318 |
| Noninterest expense to average assets | 2.0613% | 5,329 |
| Loan and lease loss provision to assets | 0.0544% | 3,227 |
| Net operating income to assets | 2.0001% | 346 |
| Return on assets (ROA) | 2.0363% | 335 |
| Pretax return on assets | 2.1419% | 391 |
| Return on Equity (ROE) | 15.5740% | 601 |
| Retained earnings to average equity (ytd only) | 8.4116% | 802 |
| Net charge-offs to loans | -0.0095% | 5,100 |
| Credit loss provision to net charge-offs | -714.2857% | 5,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8516% | 5,806 |
| Assets per employee ($millions) | 7.0655% | 869 |
| Cash dividends to net income (ytd only)* | 45.9893% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,965 |
| Loan loss allowance to noncurrent loans | 151.4019% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 0.9091% | 2,386 |
| Noncurrent loans to loans | 0.8517% | 2,654 |
| Net loans and leases to total assets | 81.0042% | 709 |
| Net loans and leases to deposits | 94.1287% | 1,191 |
| Net loans and leases to core deposits | 96.9534% | 1,760 |
| Total domestic deposits to total assets | 86.0569% | 2,614 |
| Equity capital to assets | 13.3639% | 1,178 |
| Core capital (leverage) ratio | 13.2742% | 1,053 |
| Tier 1 risk-based capital ratio | 9.7750% | 6,004 |
| Total risk-based capital ratio | 10.5472% | 6,066 |
| Memoranda: | ||
| Average total assets | $91,834,400 | 4,627 |
| Average earning assets | $83,996,600 | 4,630 |
| Average equity | $12,007,200 | 4,304 |
| Average total loans | $73,780,200 | 4,002 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6323% | 1,250 |
| Cost of funding earning assets | 0.5476% | 1,820 |
| Net interest margin | 4.0847% | 1,445 |
| Noninterest income to average assets | 0.5314% | 3,155 |
| Noninterest expense to average assets | 1.9877% | 5,502 |
| Loan and lease loss provision to assets | 0.0363% | 3,490 |
| Net operating income to assets | 2.1223% | 295 |
| Return on assets (ROA) | 2.1706% | 285 |
| Pretax return on assets | 2.2839% | 345 |
| Return on Equity (ROE) | 16.6938% | 503 |
| Retained earnings to average equity (ytd only) | 13.9469% | 211 |
| Net charge-offs to loans | -0.0091% | 4,958 |
| Credit loss provision to net charge-offs | -500.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6917% | 5,933 |
| Assets per employee ($millions) | 7.0075% | 867 |
| Cash dividends to net income (ytd only)* | 16.4548% | 3,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 3,148 |
| Loan loss allowance to noncurrent loans | 140.6250% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 2,483 |
| Noncurrent loans to loans | 0.9179% | 2,683 |
| Net loans and leases to total assets | 79.3253% | 907 |
| Net loans and leases to deposits | 92.7626% | 1,332 |
| Net loans and leases to core deposits | 95.0529% | 1,974 |
| Total domestic deposits to total assets | 85.5143% | 2,775 |
| Equity capital to assets | 13.7787% | 1,112 |
| Core capital (leverage) ratio | 13.6542% | 958 |
| Tier 1 risk-based capital ratio | 10.2078% | 5,976 |
| Total risk-based capital ratio | 10.9768% | 6,073 |
| Memoranda: | ||
| Average total assets | $91,830,000 | 4,683 |
| Average earning assets | $83,758,250 | 4,698 |
| Average equity | $11,940,250 | 4,367 |
| Average total loans | $73,381,250 | 4,048 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 1,364 |
| Cost of funding earning assets | 0.5399% | 1,906 |
| Net interest margin | 4.0242% | 1,572 |
| Noninterest income to average assets | 0.5561% | 3,002 |
| Noninterest expense to average assets | 2.0245% | 5,482 |
| Loan and lease loss provision to assets | 0.0543% | 3,028 |
| Net operating income to assets | 2.0478% | 338 |
| Return on assets (ROA) | 2.1200% | 318 |
| Pretax return on assets | 2.2286% | 394 |
| Return on Equity (ROE) | 16.6321% | 536 |
| Retained earnings to average equity (ytd only) | 13.8374% | 239 |
| Net charge-offs to loans | -0.0082% | 4,873 |
| Credit loss provision to net charge-offs | -833.3333% | 5,313 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8439% | 5,971 |
| Assets per employee ($millions) | 6.1189% | 1,268 |
| Cash dividends to net income (ytd only)* | 16.8033% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 3,353 |
| Loan loss allowance to noncurrent loans | 225.5981% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.6657% | 3,408 |
| Noncurrent loans to loans | 0.5672% | 3,748 |
| Net loans and leases to total assets | 79.2707% | 899 |
| Net loans and leases to deposits | 91.9404% | 1,385 |
| Net loans and leases to core deposits | 94.1741% | 1,945 |
| Total domestic deposits to total assets | 86.2197% | 2,570 |
| Equity capital to assets | 13.1735% | 1,313 |
| Core capital (leverage) ratio | 13.1753% | 1,104 |
| Tier 1 risk-based capital ratio | 10.4550% | 5,940 |
| Total risk-based capital ratio | 11.2693% | 6,034 |
| Memoranda: | ||
| Average total assets | $92,074,330 | 4,725 |
| Average earning assets | $84,092,000 | 4,728 |
| Average equity | $11,736,330 | 4,426 |
| Average total loans | $73,439,000 | 4,073 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6063% | 1,205 |
| Cost of funding earning assets | 0.5380% | 1,943 |
| Net interest margin | 4.0683% | 1,358 |
| Noninterest income to average assets | 0.4598% | 3,573 |
| Noninterest expense to average assets | 1.9258% | 5,712 |
| Loan and lease loss provision to assets | 0.1084% | 1,895 |
| Net operating income to assets | 2.0603% | 304 |
| Return on assets (ROA) | 2.0603% | 321 |
| Pretax return on assets | 2.1644% | 419 |
| Return on Equity (ROE) | 16.4374% | 525 |
| Retained earnings to average equity (ytd only) | 13.5998% | 392 |
| Net charge-offs to loans | -0.0109% | 4,755 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8678% | 6,109 |
| Assets per employee ($millions) | 7.0678% | 832 |
| Cash dividends to net income (ytd only)* | 17.2632% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 3,389 |
| Loan loss allowance to noncurrent loans | 151.2862% | 2,780 |
| Noncurrent assets plus other real estate owned to assets | 0.8805% | 2,877 |
| Noncurrent loans to loans | 0.8608% | 3,094 |
| Net loans and leases to total assets | 77.6191% | 978 |
| Net loans and leases to deposits | 89.5876% | 1,430 |
| Net loans and leases to core deposits | 91.7474% | 1,969 |
| Total domestic deposits to total assets | 86.6405% | 2,581 |
| Equity capital to assets | 12.8088% | 1,508 |
| Core capital (leverage) ratio | 12.7683% | 1,246 |
| Tier 1 risk-based capital ratio | 9.9839% | 6,170 |
| Total risk-based capital ratio | 10.7877% | 6,245 |
| Memoranda: | ||
| Average total assets | $92,220,000 | 4,765 |
| Average earning assets | $84,753,500 | 4,753 |
| Average equity | $11,559,000 | 4,496 |
| Average total loans | $73,308,500 | 4,095 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5918% | 1,581 |
| Cost of funding earning assets | 0.5701% | 2,045 |
| Net interest margin | 4.0217% | 1,836 |
| Noninterest income to average assets | 0.4737% | 3,689 |
| Noninterest expense to average assets | 2.0526% | 5,669 |
| Loan and lease loss provision to assets | 0.0564% | 3,424 |
| Net operating income to assets | 1.9308% | 373 |
| Return on assets (ROA) | 1.9308% | 387 |
| Pretax return on assets | 2.0323% | 483 |
| Return on Equity (ROE) | 15.5202% | 696 |
| Retained earnings to average equity (ytd only) | 7.9686% | 1,028 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5643% | 6,114 |
| Assets per employee ($millions) | 6.6113% | 998 |
| Cash dividends to net income (ytd only)* | 48.6565% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 3,823 |
| Loan loss allowance to noncurrent loans | 108.0283% | 3,533 |
| Noncurrent assets plus other real estate owned to assets | 1.1171% | 2,517 |
| Noncurrent loans to loans | 1.1391% | 2,563 |
| Net loans and leases to total assets | 79.3481% | 832 |
| Net loans and leases to deposits | 91.0548% | 1,397 |
| Net loans and leases to core deposits | 93.2195% | 1,973 |
| Total domestic deposits to total assets | 87.1432% | 2,197 |
| Equity capital to assets | 12.2615% | 1,817 |
| Core capital (leverage) ratio | 12.3101% | 1,449 |
| Tier 1 risk-based capital ratio | 10.4775% | 6,114 |
| Total risk-based capital ratio | 11.3263% | 6,183 |
| Memoranda: | ||
| Average total assets | $88,669,400 | 4,870 |
| Average earning assets | $80,861,000 | 4,877 |
| Average equity | $11,030,800 | 4,555 |
| Average total loans | $69,599,400 | 4,196 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 1,512 |
| Cost of funding earning assets | 0.5757% | 2,058 |
| Net interest margin | 4.0451% | 1,738 |
| Noninterest income to average assets | 0.4880% | 3,631 |
| Noninterest expense to average assets | 2.0494% | 5,677 |
| Loan and lease loss provision to assets | 0.0760% | 2,816 |
| Net operating income to assets | 1.9369% | 385 |
| Return on assets (ROA) | 1.9369% | 395 |
| Pretax return on assets | 2.0373% | 522 |
| Return on Equity (ROE) | 15.5107% | 744 |
| Retained earnings to average equity (ytd only) | 12.5157% | 373 |
| Net charge-offs to loans | -0.0117% | 5,463 |
| Credit loss provision to net charge-offs | -833.3333% | 5,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2330% | 6,133 |
| Assets per employee ($millions) | 6.7407% | 893 |
| Cash dividends to net income (ytd only)* | 19.3092% | 3,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 3,521 |
| Loan loss allowance to noncurrent loans | 111.9077% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 2,646 |
| Noncurrent loans to loans | 1.1839% | 2,694 |
| Net loans and leases to total assets | 78.2766% | 930 |
| Net loans and leases to deposits | 90.8360% | 1,346 |
| Net loans and leases to core deposits | 92.6795% | 1,978 |
| Total domestic deposits to total assets | 86.1735% | 2,775 |
| Equity capital to assets | 13.1338% | 1,358 |
| Core capital (leverage) ratio | 13.0324% | 1,163 |
| Tier 1 risk-based capital ratio | 11.1302% | 5,939 |
| Total risk-based capital ratio | 12.0261% | 6,049 |
| Memoranda: | ||
| Average total assets | $87,697,250 | 4,945 |
| Average earning assets | $79,667,000 | 4,949 |
| Average equity | $10,951,250 | 4,606 |
| Average total loans | $68,409,750 | 4,257 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6192% | 1,482 |
| Cost of funding earning assets | 0.5715% | 2,152 |
| Net interest margin | 4.0478% | 1,669 |
| Noninterest income to average assets | 0.4879% | 3,571 |
| Noninterest expense to average assets | 2.1341% | 5,552 |
| Loan and lease loss provision to assets | 0.0456% | 3,404 |
| Net operating income to assets | 1.8901% | 419 |
| Return on assets (ROA) | 1.8901% | 429 |
| Pretax return on assets | 1.9904% | 566 |
| Return on Equity (ROE) | 15.4013% | 730 |
| Retained earnings to average equity (ytd only) | 12.3545% | 388 |
| Net charge-offs to loans | -0.0176% | 5,498 |
| Credit loss provision to net charge-offs | -333.3333% | 5,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.1755% | 6,116 |
| Assets per employee ($millions) | 6.7406% | 904 |
| Cash dividends to net income (ytd only)* | 19.7829% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 3,913 |
| Loan loss allowance to noncurrent loans | 106.2053% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 1.3580% | 2,409 |
| Noncurrent loans to loans | 1.2135% | 2,806 |
| Net loans and leases to total assets | 77.7891% | 936 |
| Net loans and leases to deposits | 89.7628% | 1,396 |
| Net loans and leases to core deposits | 91.5741% | 1,966 |
| Total domestic deposits to total assets | 86.6607% | 2,665 |
| Equity capital to assets | 12.7231% | 1,530 |
| Core capital (leverage) ratio | 12.6616% | 1,301 |
| Tier 1 risk-based capital ratio | 10.8697% | 6,107 |
| Total risk-based capital ratio | 11.7431% | 6,198 |
| Memoranda: | ||
| Average total assets | $87,720,000 | 4,981 |
| Average earning assets | $79,797,000 | 4,988 |
| Average equity | $10,765,330 | 4,661 |
| Average total loans | $68,041,670 | 4,292 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6206% | 1,452 |
| Cost of funding earning assets | 0.5713% | 2,231 |
| Net interest margin | 4.0493% | 1,603 |
| Noninterest income to average assets | 0.4056% | 4,140 |
| Noninterest expense to average assets | 2.0646% | 5,749 |
| Loan and lease loss provision to assets | 0.0912% | 2,398 |
| Net operating income to assets | 1.8413% | 447 |
| Return on assets (ROA) | 1.8413% | 471 |
| Pretax return on assets | 1.9324% | 608 |
| Return on Equity (ROE) | 15.2835% | 737 |
| Retained earnings to average equity (ytd only) | 12.1814% | 585 |
| Net charge-offs to loans | -0.0355% | 5,658 |
| Credit loss provision to net charge-offs | -333.3333% | 5,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5017% | 6,226 |
| Assets per employee ($millions) | 6.6898% | 931 |
| Cash dividends to net income (ytd only)* | 20.2970% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,072 |
| Loan loss allowance to noncurrent loans | 132.8358% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 1.2085% | 2,843 |
| Noncurrent loans to loans | 0.9863% | 3,450 |
| Net loans and leases to total assets | 77.0847% | 873 |
| Net loans and leases to deposits | 88.5225% | 1,303 |
| Net loans and leases to core deposits | 90.3113% | 1,886 |
| Total domestic deposits to total assets | 87.0792% | 2,757 |
| Equity capital to assets | 12.3689% | 1,647 |
| Core capital (leverage) ratio | 12.4205% | 1,422 |
| Tier 1 risk-based capital ratio | 10.7869% | 6,247 |
| Total risk-based capital ratio | 11.6811% | 6,314 |
| Memoranda: | ||
| Average total assets | $87,766,000 | 5,025 |
| Average earning assets | $79,816,500 | 5,029 |
| Average equity | $10,573,500 | 4,709 |
| Average total loans | $67,535,000 | 4,336 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 2,484 |
| Cost of funding earning assets | 0.6179% | 2,504 |
| Net interest margin | 3.8084% | 2,627 |
| Noninterest income to average assets | 0.5352% | 3,515 |
| Noninterest expense to average assets | 1.8744% | 6,221 |
| Loan and lease loss provision to assets | 0.0743% | 3,629 |
| Net operating income to assets | 1.9870% | 350 |
| Return on assets (ROA) | 1.9110% | 399 |
| Pretax return on assets | 2.0093% | 467 |
| Return on Equity (ROE) | 16.4323% | 572 |
| Retained earnings to average equity (ytd only) | 9.7256% | 614 |
| Net charge-offs to loans | -0.0047% | 5,923 |
| Credit loss provision to net charge-offs | -2,166.6667% | 6,325 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4174% | 6,539 |
| Assets per employee ($millions) | 6.8126% | 842 |
| Cash dividends to net income (ytd only)* | 40.8139% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2868% | 4,204 |
| Loan loss allowance to noncurrent loans | 167.4419% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0140% | 3,396 |
| Noncurrent loans to loans | 0.7685% | 4,044 |
| Net loans and leases to total assets | 74.8351% | 1,239 |
| Net loans and leases to deposits | 85.2393% | 1,784 |
| Net loans and leases to core deposits | 86.9138% | 2,361 |
| Total domestic deposits to total assets | 87.7941% | 2,311 |
| Equity capital to assets | 11.7316% | 2,004 |
| Core capital (leverage) ratio | 11.7567% | 1,788 |
| Tier 1 risk-based capital ratio | 9.6727% | 6,579 |
| Total risk-based capital ratio | 10.4751% | 6,621 |
| Memoranda: | ||
| Average total assets | $87,441,600 | 5,037 |
| Average earning assets | $80,428,000 | 5,027 |
| Average equity | $10,169,000 | 4,806 |
| Average total loans | $63,204,000 | 4,509 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3527% | 2,769 |
| Cost of funding earning assets | 0.6166% | 2,672 |
| Net interest margin | 3.7361% | 2,903 |
| Noninterest income to average assets | 0.5966% | 3,165 |
| Noninterest expense to average assets | 1.7347% | 6,437 |
| Loan and lease loss provision to assets | 0.0994% | 3,102 |
| Net operating income to assets | 2.1018% | 302 |
| Return on assets (ROA) | 2.1018% | 313 |
| Pretax return on assets | 2.2104% | 374 |
| Return on Equity (ROE) | 18.1135% | 434 |
| Retained earnings to average equity (ytd only) | 14.8704% | 207 |
| Net charge-offs to loans | -0.0064% | 5,816 |
| Credit loss provision to net charge-offs | -2,166.6667% | 6,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8896% | 6,684 |
| Assets per employee ($millions) | 6.6434% | 873 |
| Cash dividends to net income (ytd only)* | 17.9039% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 4,195 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 1.0352% | 3,580 |
| Noncurrent loans to loans | 0.7944% | 4,255 |
| Net loans and leases to total assets | 73.6314% | 1,338 |
| Net loans and leases to deposits | 84.3371% | 1,834 |
| Net loans and leases to core deposits | 86.0454% | 2,405 |
| Total domestic deposits to total assets | 87.3061% | 2,505 |
| Equity capital to assets | 12.0953% | 1,860 |
| Core capital (leverage) ratio | 12.0377% | 1,650 |
| Tier 1 risk-based capital ratio | 10.1049% | 6,570 |
| Total risk-based capital ratio | 10.9320% | 6,640 |
| Memoranda: | ||
| Average total assets | $87,161,000 | 5,096 |
| Average earning assets | $80,437,750 | 5,079 |
| Average equity | $10,113,750 | 4,866 |
| Average total loans | $62,219,750 | 4,576 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 2,844 |
| Cost of funding earning assets | 0.6291% | 2,689 |
| Net interest margin | 3.6975% | 2,966 |
| Noninterest income to average assets | 0.6314% | 3,011 |
| Noninterest expense to average assets | 1.6883% | 6,505 |
| Loan and lease loss provision to assets | 0.0801% | 3,455 |
| Net operating income to assets | 2.1527% | 281 |
| Return on assets (ROA) | 2.1527% | 295 |
| Pretax return on assets | 2.2648% | 370 |
| Return on Equity (ROE) | 18.8144% | 401 |
| Retained earnings to average equity (ytd only) | 15.5353% | 207 |
| Net charge-offs to loans | -0.0065% | 5,686 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8605% | 6,757 |
| Assets per employee ($millions) | 6.8857% | 756 |
| Cash dividends to net income (ytd only)* | 17.4283% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3218% | 4,392 |
| Loan loss allowance to noncurrent loans | 283.3333% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7943% | 4,239 |
| Noncurrent loans to loans | 0.4665% | 5,089 |
| Net loans and leases to total assets | 69.4707% | 1,982 |
| Net loans and leases to deposits | 78.9022% | 2,468 |
| Net loans and leases to core deposits | 80.7715% | 2,940 |
| Total domestic deposits to total assets | 88.0466% | 2,211 |
| Equity capital to assets | 11.3949% | 2,380 |
| Core capital (leverage) ratio | 11.6222% | 1,843 |
| Tier 1 risk-based capital ratio | 10.0482% | 6,623 |
| Total risk-based capital ratio | 10.8685% | 6,686 |
| Memoranda: | ||
| Average total assets | $87,426,670 | 5,120 |
| Average earning assets | $80,432,670 | 5,107 |
| Average equity | $10,003,000 | 4,935 |
| Average total loans | $61,474,670 | 4,623 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 2,803 |
| Cost of funding earning assets | 0.6409% | 2,739 |
| Net interest margin | 3.6802% | 2,949 |
| Noninterest income to average assets | 0.6575% | 2,830 |
| Noninterest expense to average assets | 1.6207% | 6,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.3106% | 199 |
| Return on assets (ROA) | 2.3106% | 220 |
| Pretax return on assets | 2.4403% | 293 |
| Return on Equity (ROE) | 20.1525% | 285 |
| Retained earnings to average equity (ytd only) | 16.8408% | 237 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9088% | 6,875 |
| Assets per employee ($millions) | 6.5988% | 939 |
| Cash dividends to net income (ytd only)* | 16.4329% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3477% | 4,481 |
| Loan loss allowance to noncurrent loans | 100.5044% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 1.4117% | 3,155 |
| Noncurrent loans to loans | 1.3409% | 3,555 |
| Net loans and leases to total assets | 68.0104% | 2,006 |
| Net loans and leases to deposits | 77.5804% | 2,408 |
| Net loans and leases to core deposits | 79.5034% | 2,868 |
| Total domestic deposits to total assets | 87.6644% | 2,537 |
| Equity capital to assets | 11.7796% | 2,197 |
| Core capital (leverage) ratio | 11.5239% | 1,867 |
| Tier 1 risk-based capital ratio | 10.4278% | 6,600 |
| Total risk-based capital ratio | 11.2721% | 6,678 |
| Memoranda: | ||
| Average total assets | $86,383,000 | 5,188 |
| Average earning assets | $79,887,500 | 5,159 |
| Average equity | $9,904,500 | 5,006 |
| Average total loans | $60,702,500 | 4,685 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4716% | 3,516 |
| Cost of funding earning assets | 0.8284% | 2,434 |
| Net interest margin | 3.6433% | 3,906 |
| Noninterest income to average assets | 0.7617% | 2,437 |
| Noninterest expense to average assets | 1.9406% | 6,438 |
| Loan and lease loss provision to assets | 0.2183% | 2,950 |
| Net operating income to assets | 1.9067% | 426 |
| Return on assets (ROA) | 2.1383% | 308 |
| Pretax return on assets | 2.2499% | 365 |
| Return on Equity (ROE) | 18.8455% | 369 |
| Retained earnings to average equity (ytd only) | 11.5553% | 370 |
| Net charge-offs to loans | 0.1915% | 3,844 |
| Credit loss provision to net charge-offs | 165.1376% | 1,616 |
| Earnings coverage of net charge-offs (x) | 16.8257% | 1,549 |
| Efficiency ratio | 46.5929% | 6,766 |
| Assets per employee ($millions) | 6.6909% | 903 |
| Cash dividends to net income (ytd only)* | 38.6841% | 2,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 4,745 |
| Loan loss allowance to noncurrent loans | 236.9048% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 4,312 |
| Noncurrent loans to loans | 0.5396% | 5,177 |
| Net loans and leases to total assets | 70.6698% | 1,709 |
| Net loans and leases to deposits | 80.1361% | 2,262 |
| Net loans and leases to core deposits | 82.0793% | 2,760 |
| Total domestic deposits to total assets | 88.1872% | 2,099 |
| Equity capital to assets | 11.1563% | 2,782 |
| Core capital (leverage) ratio | 11.1123% | 2,158 |
| Tier 1 risk-based capital ratio | 10.3190% | 6,610 |
| Total risk-based capital ratio | 11.1903% | 6,682 |
| Memoranda: | ||
| Average total assets | $82,447,000 | 5,290 |
| Average earning assets | $77,018,800 | 5,212 |
| Average equity | $9,355,000 | 5,136 |
| Average total loans | $56,912,000 | 4,839 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5181% | 3,563 |
| Cost of funding earning assets | 0.8541% | 2,508 |
| Net interest margin | 3.6641% | 3,950 |
| Noninterest income to average assets | 0.7526% | 2,466 |
| Noninterest expense to average assets | 1.8086% | 6,674 |
| Loan and lease loss provision to assets | 0.2132% | 2,937 |
| Net operating income to assets | 2.0481% | 361 |
| Return on assets (ROA) | 2.3612% | 239 |
| Pretax return on assets | 2.4792% | 306 |
| Return on Equity (ROE) | 20.7165% | 293 |
| Retained earnings to average equity (ytd only) | 17.1774% | 148 |
| Net charge-offs to loans | 0.2303% | 3,340 |
| Credit loss provision to net charge-offs | 135.4167% | 2,130 |
| Earnings coverage of net charge-offs (x) | 15.0101% | 1,802 |
| Efficiency ratio | 43.3569% | 6,917 |
| Assets per employee ($millions) | 6.9080% | 779 |
| Cash dividends to net income (ytd only)* | 17.0833% | 3,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,723 |
| Loan loss allowance to noncurrent loans | 123.6542% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 3,807 |
| Noncurrent loans to loans | 1.0676% | 4,306 |
| Net loans and leases to total assets | 68.3531% | 2,239 |
| Net loans and leases to deposits | 78.1211% | 2,647 |
| Net loans and leases to core deposits | 80.4024% | 3,150 |
| Total domestic deposits to total assets | 87.4964% | 2,354 |
| Equity capital to assets | 11.8341% | 2,407 |
| Core capital (leverage) ratio | 11.6078% | 1,907 |
| Tier 1 risk-based capital ratio | 11.1294% | 6,429 |
| Total risk-based capital ratio | 12.0136% | 6,559 |
| Memoranda: | ||
| Average total assets | $81,313,250 | 5,373 |
| Average earning assets | $75,870,000 | 5,296 |
| Average equity | $9,267,750 | 5,204 |
| Average total loans | $55,573,500 | 4,934 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6143% | 3,300 |
| Cost of funding earning assets | 0.8645% | 2,693 |
| Net interest margin | 3.7498% | 3,590 |
| Noninterest income to average assets | 0.8343% | 2,031 |
| Noninterest expense to average assets | 1.8444% | 6,691 |
| Loan and lease loss provision to assets | 0.1981% | 3,101 |
| Net operating income to assets | 2.1786% | 293 |
| Return on assets (ROA) | 2.6960% | 144 |
| Pretax return on assets | 2.8371% | 187 |
| Return on Equity (ROE) | 23.9683% | 181 |
| Retained earnings to average equity (ytd only) | 20.3588% | 100 |
| Net charge-offs to loans | 0.0036% | 5,461 |
| Credit loss provision to net charge-offs | 8,000.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,006.0000% | 32 |
| Efficiency ratio | 42.5471% | 7,004 |
| Assets per employee ($millions) | 6.2726% | 1,082 |
| Cash dividends to net income (ytd only)* | 15.0597% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 4,381 |
| Loan loss allowance to noncurrent loans | 134.0568% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.9676% | 4,441 |
| Noncurrent loans to loans | 1.0597% | 4,393 |
| Net loans and leases to total assets | 68.3337% | 2,228 |
| Net loans and leases to deposits | 77.8023% | 2,704 |
| Net loans and leases to core deposits | 80.0983% | 3,204 |
| Total domestic deposits to total assets | 87.8299% | 2,263 |
| Equity capital to assets | 11.5091% | 2,587 |
| Core capital (leverage) ratio | 11.5046% | 1,904 |
| Tier 1 risk-based capital ratio | 11.7471% | 6,090 |
| Total risk-based capital ratio | 12.7645% | 6,185 |
| Memoranda: | ||
| Average total assets | $80,785,670 | 5,411 |
| Average earning assets | $75,417,670 | 5,341 |
| Average equity | $9,087,000 | 5,241 |
| Average total loans | $54,958,000 | 4,989 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8313% | 2,517 |
| Cost of funding earning assets | 0.8779% | 2,846 |
| Net interest margin | 3.9534% | 2,699 |
| Noninterest income to average assets | 1.1094% | 1,149 |
| Noninterest expense to average assets | 1.6815% | 6,914 |
| Loan and lease loss provision to assets | 0.2487% | 2,472 |
| Net operating income to assets | 2.7311% | 135 |
| Return on assets (ROA) | 3.7708% | 77 |
| Pretax return on assets | 3.9698% | 90 |
| Return on Equity (ROE) | 33.9226% | 73 |
| Retained earnings to average equity (ytd only) | 30.2529% | 54 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9896% | 7,194 |
| Assets per employee ($millions) | 6.2394% | 1,130 |
| Cash dividends to net income (ytd only)* | 10.8179% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4275% | 4,482 |
| Loan loss allowance to noncurrent loans | 129.2642% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9727% | 4,564 |
| Noncurrent loans to loans | 1.1043% | 4,490 |
| Net loans and leases to total assets | 65.8078% | 2,500 |
| Net loans and leases to deposits | 74.7225% | 3,009 |
| Net loans and leases to core deposits | 76.8936% | 3,488 |
| Total domestic deposits to total assets | 88.0696% | 2,269 |
| Equity capital to assets | 11.2758% | 2,649 |
| Core capital (leverage) ratio | 11.3073% | 2,031 |
| Tier 1 risk-based capital ratio | 12.1956% | 5,824 |
| Total risk-based capital ratio | 13.2407% | 5,957 |
| Memoranda: | ||
| Average total assets | $80,406,500 | 5,459 |
| Average earning assets | $75,176,500 | 5,394 |
| Average equity | $8,938,000 | 5,302 |
| Average total loans | $54,174,500 | 5,061 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9931% | 2,911 |
| Cost of funding earning assets | 1.0220% | 3,226 |
| Net interest margin | 3.9711% | 3,020 |
| Noninterest income to average assets | 0.4409% | 4,298 |
| Noninterest expense to average assets | 2.0463% | 6,589 |
| Loan and lease loss provision to assets | 0.2269% | 3,933 |
| Net operating income to assets | 1.8226% | 441 |
| Return on assets (ROA) | 1.8842% | 426 |
| Pretax return on assets | 1.9815% | 551 |
| Return on Equity (ROE) | 17.3505% | 441 |
| Retained earnings to average equity (ytd only) | 10.0186% | 566 |
| Net charge-offs to loans | 0.1354% | 5,059 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 23.6143% | 1,014 |
| Efficiency ratio | 48.8394% | 6,897 |
| Assets per employee ($millions) | 6.1308% | 1,140 |
| Cash dividends to net income (ytd only)* | 42.2574% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3358% | 4,727 |
| Loan loss allowance to noncurrent loans | 544.3609% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.4078% | 5,952 |
| Noncurrent loans to loans | 0.2454% | 6,244 |
| Net loans and leases to total assets | 67.0933% | 2,565 |
| Net loans and leases to deposits | 75.9811% | 3,184 |
| Net loans and leases to core deposits | 77.9186% | 3,696 |
| Total domestic deposits to total assets | 88.3025% | 1,968 |
| Equity capital to assets | 10.9534% | 3,026 |
| Core capital (leverage) ratio | 10.4880% | 2,742 |
| Tier 1 risk-based capital ratio | 11.9200% | 5,882 |
| Total risk-based capital ratio | 12.9540% | 6,006 |
| Memoranda: | ||
| Average total assets | $77,113,800 | 5,533 |
| Average earning assets | $72,800,800 | 5,452 |
| Average equity | $8,374,400 | 5,453 |
| Average total loans | $51,680,600 | 5,205 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0079% | 3,049 |
| Cost of funding earning assets | 1.0598% | 3,247 |
| Net interest margin | 3.9481% | 3,162 |
| Noninterest income to average assets | 0.4150% | 4,544 |
| Noninterest expense to average assets | 1.9163% | 6,830 |
| Loan and lease loss provision to assets | 0.2180% | 3,831 |
| Net operating income to assets | 1.9154% | 414 |
| Return on assets (ROA) | 1.9982% | 371 |
| Pretax return on assets | 2.1028% | 519 |
| Return on Equity (ROE) | 18.4414% | 423 |
| Retained earnings to average equity (ytd only) | 14.4828% | 268 |
| Net charge-offs to loans | 0.1802% | 4,356 |
| Credit loss provision to net charge-offs | 181.1594% | 1,635 |
| Earnings coverage of net charge-offs (x) | 18.5648% | 1,298 |
| Efficiency ratio | 46.1765% | 7,052 |
| Assets per employee ($millions) | 5.8862% | 1,278 |
| Cash dividends to net income (ytd only)* | 21.4659% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 5,208 |
| Loan loss allowance to noncurrent loans | 272.8745% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 5,681 |
| Noncurrent loans to loans | 0.4605% | 5,928 |
| Net loans and leases to total assets | 69.2150% | 2,238 |
| Net loans and leases to deposits | 78.9600% | 2,824 |
| Net loans and leases to core deposits | 81.0690% | 3,474 |
| Total domestic deposits to total assets | 87.6583% | 2,261 |
| Equity capital to assets | 11.5929% | 2,597 |
| Core capital (leverage) ratio | 10.9395% | 2,442 |
| Tier 1 risk-based capital ratio | 12.8954% | 5,174 |
| Total risk-based capital ratio | 13.9292% | 5,321 |
| Memoranda: | ||
| Average total assets | $76,467,000 | 5,596 |
| Average earning assets | $72,337,000 | 5,505 |
| Average equity | $8,285,500 | 5,512 |
| Average total loans | $51,051,250 | 5,272 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9936% | 3,181 |
| Cost of funding earning assets | 1.0805% | 3,386 |
| Net interest margin | 3.9131% | 3,247 |
| Noninterest income to average assets | 0.3924% | 4,741 |
| Noninterest expense to average assets | 1.8915% | 6,964 |
| Loan and lease loss provision to assets | 0.1962% | 3,969 |
| Net operating income to assets | 1.9068% | 404 |
| Return on assets (ROA) | 1.9490% | 391 |
| Pretax return on assets | 2.0537% | 526 |
| Return on Equity (ROE) | 18.4170% | 428 |
| Retained earnings to average equity (ytd only) | 14.3628% | 286 |
| Net charge-offs to loans | 0.2789% | 3,491 |
| Credit loss provision to net charge-offs | 107.1429% | 2,876 |
| Earnings coverage of net charge-offs (x) | 12.0429% | 1,653 |
| Efficiency ratio | 46.1686% | 7,148 |
| Assets per employee ($millions) | 5.1013% | 1,990 |
| Cash dividends to net income (ytd only)* | 22.0134% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 5,563 |
| Loan loss allowance to noncurrent loans | 176.4873% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.9618% | 4,938 |
| Noncurrent loans to loans | 0.6773% | 5,550 |
| Net loans and leases to total assets | 67.2922% | 2,762 |
| Net loans and leases to deposits | 76.4691% | 3,383 |
| Net loans and leases to core deposits | 78.4951% | 3,994 |
| Total domestic deposits to total assets | 87.9992% | 2,141 |
| Equity capital to assets | 11.2049% | 2,765 |
| Core capital (leverage) ratio | 10.5485% | 2,661 |
| Tier 1 risk-based capital ratio | 12.9979% | 4,915 |
| Total risk-based capital ratio | 13.9990% | 5,108 |
| Memoranda: | ||
| Average total assets | $76,449,000 | 5,641 |
| Average earning assets | $72,372,330 | 5,544 |
| Average equity | $8,090,330 | 5,585 |
| Average total loans | $50,189,000 | 5,347 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 2,757 |
| Cost of funding earning assets | 1.1195% | 3,382 |
| Net interest margin | 3.9540% | 2,899 |
| Noninterest income to average assets | 0.3245% | 5,321 |
| Noninterest expense to average assets | 1.8845% | 7,017 |
| Loan and lease loss provision to assets | 0.3926% | 2,226 |
| Net operating income to assets | 1.7057% | 571 |
| Return on assets (ROA) | 1.7903% | 523 |
| Pretax return on assets | 1.8897% | 696 |
| Return on Equity (ROE) | 17.4301% | 527 |
| Retained earnings to average equity (ytd only) | 13.2509% | 551 |
| Net charge-offs to loans | 0.5932% | 2,013 |
| Credit loss provision to net charge-offs | 102.7397% | 2,581 |
| Earnings coverage of net charge-offs (x) | 5.7397% | 2,216 |
| Efficiency ratio | 46.2131% | 7,197 |
| Assets per employee ($millions) | 5.8772% | 1,282 |
| Cash dividends to net income (ytd only)* | 23.9766% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 5,320 |
| Loan loss allowance to noncurrent loans | 407.8947% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.7002% | 5,536 |
| Noncurrent loans to loans | 0.3102% | 6,366 |
| Net loans and leases to total assets | 63.3318% | 3,577 |
| Net loans and leases to deposits | 70.8712% | 4,213 |
| Net loans and leases to core deposits | 72.7169% | 4,692 |
| Total domestic deposits to total assets | 89.3618% | 1,555 |
| Equity capital to assets | 10.3568% | 3,341 |
| Core capital (leverage) ratio | 10.3408% | 2,768 |
| Tier 1 risk-based capital ratio | 12.8117% | 4,969 |
| Total risk-based capital ratio | 13.8343% | 5,164 |
| Memoranda: | ||
| Average total assets | $76,413,500 | 5,687 |
| Average earning assets | $72,534,000 | 5,587 |
| Average equity | $7,848,500 | 5,663 |
| Average total loans | $49,226,000 | 5,430 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 3,941 |
| Cost of funding earning assets | 1.4606% | 2,890 |
| Net interest margin | 3.6728% | 4,480 |
| Noninterest income to average assets | 0.4438% | 4,570 |
| Noninterest expense to average assets | 2.1256% | 6,783 |
| Loan and lease loss provision to assets | 0.3489% | 4,037 |
| Net operating income to assets | 1.3989% | 957 |
| Return on assets (ROA) | 1.4599% | 900 |
| Pretax return on assets | 1.5031% | 1,362 |
| Return on Equity (ROE) | 13.9485% | 888 |
| Retained earnings to average equity (ytd only) | 7.9477% | 991 |
| Net charge-offs to loans | 0.4157% | 3,959 |
| Credit loss provision to net charge-offs | 123.1527% | 3,378 |
| Earnings coverage of net charge-offs (x) | 6.3153% | 2,385 |
| Efficiency ratio | 54.2959% | 6,779 |
| Assets per employee ($millions) | 6.3686% | 1,009 |
| Cash dividends to net income (ytd only)* | 43.0210% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 5,246 |
| Loan loss allowance to noncurrent loans | 184.2262% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.7171% | 5,567 |
| Noncurrent loans to loans | 0.6796% | 5,684 |
| Net loans and leases to total assets | 63.8878% | 3,899 |
| Net loans and leases to deposits | 71.4767% | 4,613 |
| Net loans and leases to core deposits | 73.3372% | 5,059 |
| Total domestic deposits to total assets | 89.3828% | 1,447 |
| Equity capital to assets | 10.1854% | 3,516 |
| Core capital (leverage) ratio | 10.0354% | 3,054 |
| Tier 1 risk-based capital ratio | 12.6278% | 4,917 |
| Total risk-based capital ratio | 13.6689% | 5,072 |
| Memoranda: | ||
| Average total assets | $71,650,600 | 5,827 |
| Average earning assets | $67,713,400 | 5,749 |
| Average equity | $7,499,000 | 5,875 |
| Average total loans | $48,835,600 | 5,531 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1506% | 4,076 |
| Cost of funding earning assets | 1.5201% | 2,844 |
| Net interest margin | 3.6305% | 4,725 |
| Noninterest income to average assets | 0.3879% | 5,056 |
| Noninterest expense to average assets | 2.0210% | 7,012 |
| Loan and lease loss provision to assets | 0.3785% | 3,618 |
| Net operating income to assets | 1.3685% | 1,175 |
| Return on assets (ROA) | 1.3776% | 1,235 |
| Pretax return on assets | 1.4193% | 1,829 |
| Return on Equity (ROE) | 13.0678% | 1,234 |
| Retained earnings to average equity (ytd only) | 8.6520% | 1,182 |
| Net charge-offs to loans | 0.3807% | 3,771 |
| Credit loss provision to net charge-offs | 143.8849% | 2,732 |
| Earnings coverage of net charge-offs (x) | 6.7985% | 2,449 |
| Efficiency ratio | 53.0551% | 6,882 |
| Assets per employee ($millions) | 6.0267% | 1,223 |
| Cash dividends to net income (ytd only)* | 33.7911% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 5,265 |
| Loan loss allowance to noncurrent loans | 111.2478% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.0979% | 4,917 |
| Noncurrent loans to loans | 1.1188% | 5,007 |
| Net loans and leases to total assets | 69.4469% | 2,869 |
| Net loans and leases to deposits | 78.3049% | 3,775 |
| Net loans and leases to core deposits | 80.4537% | 4,458 |
| Total domestic deposits to total assets | 88.6878% | 1,570 |
| Equity capital to assets | 10.8379% | 3,129 |
| Core capital (leverage) ratio | 10.3624% | 2,847 |
| Tier 1 risk-based capital ratio | 13.4205% | 4,252 |
| Total risk-based capital ratio | 14.5694% | 4,305 |
| Memoranda: | ||
| Average total assets | $70,457,500 | 5,934 |
| Average earning assets | $66,398,500 | 5,852 |
| Average equity | $7,427,750 | 5,975 |
| Average total loans | $48,683,500 | 5,616 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 3,470 |
| Cost of funding earning assets | 1.5500% | 2,960 |
| Net interest margin | 3.7503% | 4,130 |
| Noninterest income to average assets | 0.2062% | 6,438 |
| Noninterest expense to average assets | 2.0620% | 6,994 |
| Loan and lease loss provision to assets | 0.4296% | 3,173 |
| Net operating income to assets | 1.2116% | 1,529 |
| Return on assets (ROA) | 1.2171% | 1,580 |
| Pretax return on assets | 1.2544% | 2,242 |
| Return on Equity (ROE) | 11.6582% | 1,538 |
| Retained earnings to average equity (ytd only) | 7.1595% | 1,767 |
| Net charge-offs to loans | 0.4963% | 3,050 |
| Credit loss provision to net charge-offs | 126.0504% | 3,197 |
| Earnings coverage of net charge-offs (x) | 4.9244% | 2,805 |
| Efficiency ratio | 55.1302% | 6,745 |
| Assets per employee ($millions) | 5.8883% | 1,308 |
| Cash dividends to net income (ytd only)* | 38.5882% | 2,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 5,197 |
| Loan loss allowance to noncurrent loans | 99.5050% | 2,778 |
| Noncurrent assets plus other real estate owned to assets | 1.1435% | 4,843 |
| Noncurrent loans to loans | 1.2545% | 4,870 |
| Net loans and leases to total assets | 67.5134% | 3,496 |
| Net loans and leases to deposits | 75.8728% | 4,361 |
| Net loans and leases to core deposits | 77.9978% | 4,951 |
| Total domestic deposits to total assets | 88.9825% | 1,449 |
| Equity capital to assets | 10.5604% | 3,334 |
| Core capital (leverage) ratio | 10.0650% | 3,099 |
| Tier 1 risk-based capital ratio | 14.2384% | 3,580 |
| Total risk-based capital ratio | 15.4353% | 3,570 |
| Memoranda: | ||
| Average total assets | $69,836,670 | 5,985 |
| Average earning assets | $65,808,000 | 5,904 |
| Average equity | $7,291,000 | 6,035 |
| Average total loans | $47,959,000 | 5,691 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 2,988 |
| Cost of funding earning assets | 1.5582% | 3,214 |
| Net interest margin | 3.8526% | 3,553 |
| Noninterest income to average assets | 0.1613% | 6,820 |
| Noninterest expense to average assets | 1.9186% | 7,304 |
| Loan and lease loss provision to assets | 0.2881% | 3,718 |
| Net operating income to assets | 1.5268% | 852 |
| Return on assets (ROA) | 1.5268% | 917 |
| Pretax return on assets | 1.5729% | 1,334 |
| Return on Equity (ROE) | 14.7110% | 922 |
| Retained earnings to average equity (ytd only) | 10.1589% | 1,103 |
| Net charge-offs to loans | 0.0167% | 5,344 |
| Credit loss provision to net charge-offs | 2,500.0000% | 202 |
| Earnings coverage of net charge-offs (x) | 161.5000% | 208 |
| Efficiency ratio | 50.7622% | 7,261 |
| Assets per employee ($millions) | 6.3565% | 1,067 |
| Cash dividends to net income (ytd only)* | 30.9434% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 4,960 |
| Loan loss allowance to noncurrent loans | 53.6797% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 1.6518% | 3,998 |
| Noncurrent loans to loans | 2.4133% | 3,261 |
| Net loans and leases to total assets | 67.5610% | 3,497 |
| Net loans and leases to deposits | 75.7598% | 4,458 |
| Net loans and leases to core deposits | 77.8921% | 5,030 |
| Total domestic deposits to total assets | 89.1779% | 1,425 |
| Equity capital to assets | 10.4316% | 3,313 |
| Core capital (leverage) ratio | 10.2961% | 2,813 |
| Tier 1 risk-based capital ratio | 14.4205% | 3,428 |
| Total risk-based capital ratio | 15.6706% | 3,392 |
| Memoranda: | ||
| Average total assets | $69,425,000 | 6,063 |
| Average earning assets | $65,202,500 | 5,991 |
| Average equity | $7,205,500 | 6,113 |
| Average total loans | $47,784,500 | 5,769 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9701% | 1,992 |
| Cost of funding earning assets | 1.9207% | 3,351 |
| Net interest margin | 4.0494% | 2,653 |
| Noninterest income to average assets | 0.2132% | 6,579 |
| Noninterest expense to average assets | 2.2874% | 6,784 |
| Loan and lease loss provision to assets | 0.5063% | 3,843 |
| Net operating income to assets | 1.2056% | 1,232 |
| Return on assets (ROA) | 1.3455% | 997 |
| Pretax return on assets | 1.3869% | 1,465 |
| Return on Equity (ROE) | 12.6336% | 1,032 |
| Retained earnings to average equity (ytd only) | 6.1511% | 1,297 |
| Net charge-offs to loans | 0.4185% | 4,131 |
| Credit loss provision to net charge-offs | 165.0000% | 2,646 |
| Earnings coverage of net charge-offs (x) | 5.7000% | 2,519 |
| Efficiency ratio | 56.6705% | 6,938 |
| Assets per employee ($millions) | 5.7440% | 1,424 |
| Cash dividends to net income (ytd only)* | 51.3113% | 2,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1989% | 5,367 |
| Loan loss allowance to noncurrent loans | 89.9371% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.9227% | 5,249 |
| Noncurrent loans to loans | 1.3331% | 4,695 |
| Net loans and leases to total assets | 68.3859% | 3,619 |
| Net loans and leases to deposits | 76.6156% | 4,639 |
| Net loans and leases to core deposits | 85.4070% | 5,584 |
| Total domestic deposits to total assets | 89.2584% | 1,349 |
| Equity capital to assets | 10.3253% | 3,375 |
| Core capital (leverage) ratio | 10.2665% | 2,814 |
| Tier 1 risk-based capital ratio | 14.0900% | 3,448 |
| Total risk-based capital ratio | 15.2560% | 3,451 |
| Memoranda: | ||
| Average total assets | $65,182,200 | 6,161 |
| Average earning assets | $61,539,600 | 6,077 |
| Average equity | $6,941,800 | 6,287 |
| Average total loans | $47,787,400 | 5,769 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1000% | 1,656 |
| Cost of funding earning assets | 1.9837% | 3,451 |
| Net interest margin | 4.1164% | 2,330 |
| Noninterest income to average assets | 0.2138% | 6,701 |
| Noninterest expense to average assets | 2.2247% | 6,910 |
| Loan and lease loss provision to assets | 0.5811% | 3,066 |
| Net operating income to assets | 1.2635% | 1,308 |
| Return on assets (ROA) | 1.4527% | 972 |
| Pretax return on assets | 1.5005% | 1,417 |
| Return on Equity (ROE) | 13.5302% | 1,005 |
| Retained earnings to average equity (ytd only) | 8.7753% | 901 |
| Net charge-offs to loans | 0.0558% | 6,152 |
| Credit loss provision to net charge-offs | 1,400.0000% | 278 |
| Earnings coverage of net charge-offs (x) | 45.4432% | 687 |
| Efficiency ratio | 54.1141% | 7,223 |
| Assets per employee ($millions) | 5.3393% | 1,752 |
| Cash dividends to net income (ytd only)* | 35.1427% | 2,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 3,673 |
| Loan loss allowance to noncurrent loans | 109.5313% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.9989% | 5,077 |
| Noncurrent loans to loans | 1.3277% | 4,717 |
| Net loans and leases to total assets | 74.1416% | 2,484 |
| Net loans and leases to deposits | 84.0809% | 3,629 |
| Net loans and leases to core deposits | 93.7184% | 5,043 |
| Total domestic deposits to total assets | 88.1789% | 1,578 |
| Equity capital to assets | 11.1796% | 2,846 |
| Core capital (leverage) ratio | 10.6427% | 2,673 |
| Tier 1 risk-based capital ratio | 14.0369% | 3,528 |
| Total risk-based capital ratio | 15.2889% | 3,475 |
| Memoranda: | ||
| Average total assets | $64,245,750 | 6,241 |
| Average earning assets | $60,828,750 | 6,146 |
| Average equity | $6,898,000 | 6,354 |
| Average total loans | $47,807,000 | 5,812 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1452% | 1,638 |
| Cost of funding earning assets | 2.0703% | 3,418 |
| Net interest margin | 4.0749% | 2,420 |
| Noninterest income to average assets | 0.2146% | 6,765 |
| Noninterest expense to average assets | 2.1305% | 7,210 |
| Loan and lease loss provision to assets | 0.5598% | 2,784 |
| Net operating income to assets | 1.3400% | 1,140 |
| Return on assets (ROA) | 1.6235% | 717 |
| Pretax return on assets | 1.6733% | 1,072 |
| Return on Equity (ROE) | 15.3311% | 777 |
| Retained earnings to average equity (ytd only) | 10.5145% | 638 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3300% | 7,488 |
| Assets per employee ($millions) | 5.4190% | 1,648 |
| Cash dividends to net income (ytd only)* | 31.4176% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3202% | 4,157 |
| Loan loss allowance to noncurrent loans | 107.7990% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.8873% | 5,211 |
| Noncurrent loans to loans | 1.2247% | 4,758 |
| Net loans and leases to total assets | 71.4969% | 3,347 |
| Net loans and leases to deposits | 80.7128% | 4,434 |
| Net loans and leases to core deposits | 89.5215% | 5,570 |
| Total domestic deposits to total assets | 88.5818% | 1,490 |
| Equity capital to assets | 10.7154% | 3,186 |
| Core capital (leverage) ratio | 10.4122% | 2,892 |
| Tier 1 risk-based capital ratio | 13.9659% | 3,542 |
| Total risk-based capital ratio | 15.2353% | 3,465 |
| Memoranda: | ||
| Average total assets | $64,303,670 | 6,291 |
| Average earning assets | $60,861,000 | 6,190 |
| Average equity | $6,809,670 | 6,439 |
| Average total loans | $47,674,330 | 5,862 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2966% | 1,310 |
| Cost of funding earning assets | 2.1407% | 3,460 |
| Net interest margin | 4.1559% | 2,070 |
| Noninterest income to average assets | 0.1814% | 6,997 |
| Noninterest expense to average assets | 1.9205% | 7,511 |
| Loan and lease loss provision to assets | 0.5005% | 2,464 |
| Net operating income to assets | 1.6765% | 678 |
| Return on assets (ROA) | 1.6765% | 746 |
| Pretax return on assets | 1.6953% | 1,189 |
| Return on Equity (ROE) | 15.9275% | 837 |
| Retained earnings to average equity (ytd only) | 11.0542% | 957 |
| Net charge-offs to loans | -0.1001% | 7,877 |
| Credit loss provision to net charge-offs | -666.6667% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6565% | 7,814 |
| Assets per employee ($millions) | 5.8546% | 1,285 |
| Cash dividends to net income (ytd only)* | 30.5970% | 2,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 5,372 |
| Loan loss allowance to noncurrent loans | 172.2581% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.4814% | 6,043 |
| Noncurrent loans to loans | 0.6463% | 5,793 |
| Net loans and leases to total assets | 73.6557% | 2,852 |
| Net loans and leases to deposits | 82.9283% | 4,142 |
| Net loans and leases to core deposits | 93.3044% | 5,229 |
| Total domestic deposits to total assets | 88.8185% | 1,327 |
| Equity capital to assets | 10.5697% | 3,392 |
| Core capital (leverage) ratio | 10.5207% | 2,898 |
| Tier 1 risk-based capital ratio | 13.8571% | 3,663 |
| Total risk-based capital ratio | 14.9666% | 3,659 |
| Memoranda: | ||
| Average total assets | $63,941,500 | 6,329 |
| Average earning assets | $60,541,000 | 6,234 |
| Average equity | $6,730,500 | 6,504 |
| Average total loans | $47,954,000 | 5,876 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4841% | 3,036 |
| Cost of funding earning assets | 2.5755% | 3,820 |
| Net interest margin | 3.9086% | 3,516 |
| Noninterest income to average assets | 0.2478% | 6,675 |
| Noninterest expense to average assets | 2.0666% | 7,309 |
| Loan and lease loss provision to assets | 0.3644% | 3,504 |
| Net operating income to assets | 1.4366% | 1,155 |
| Return on assets (ROA) | 1.4366% | 1,112 |
| Pretax return on assets | 1.5111% | 1,653 |
| Return on Equity (ROE) | 13.8473% | 1,135 |
| Retained earnings to average equity (ytd only) | 6.3850% | 1,369 |
| Net charge-offs to loans | 0.3954% | 2,838 |
| Credit loss provision to net charge-offs | 122.9508% | 4,369 |
| Earnings coverage of net charge-offs (x) | 6.3279% | 3,381 |
| Efficiency ratio | 52.4240% | 7,444 |
| Assets per employee ($millions) | 5.7711% | 1,280 |
| Cash dividends to net income (ytd only)* | 53.8895% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9220% | 6,553 |
| Loan loss allowance to noncurrent loans | 2,946.6667% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 7,506 |
| Noncurrent loans to loans | 0.0313% | 7,382 |
| Net loans and leases to total assets | 74.8196% | 2,918 |
| Net loans and leases to deposits | 84.1907% | 4,400 |
| Net loans and leases to core deposits | 94.7306% | 5,385 |
| Total domestic deposits to total assets | 88.8693% | 1,096 |
| Equity capital to assets | 10.4817% | 3,524 |
| Core capital (leverage) ratio | 10.2004% | 3,266 |
| Tier 1 risk-based capital ratio | 13.9056% | 3,588 |
| Total risk-based capital ratio | 14.8533% | 3,665 |
| Memoranda: | ||
| Average total assets | $61,743,200 | 6,332 |
| Average earning assets | $58,358,400 | 6,247 |
| Average equity | $6,405,600 | 6,676 |
| Average total loans | $46,277,800 | 5,864 |