Home > First Kansas Bank > Performance and Condition Ratios
First Kansas Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3906% | 3,998 |
| Cost of funding earning assets | 1.2773% | 3,639 |
| Net interest margin | 3.1134% | 3,196 |
| Noninterest income to average assets | 0.2700% | 3,073 |
| Noninterest expense to average assets | 1.6929% | 4,045 |
| Loan and lease loss provision to assets | 0.0600% | 1,800 |
| Net operating income to assets | 1.4502% | 1,178 |
| Return on assets (ROA) | 1.4488% | 1,180 |
| Pretax return on assets | 1.5088% | 1,495 |
| Return on Equity (ROE) | 27.0100% | 157 |
| Retained earnings to average equity (ytd only) | 27.0072% | 59 |
| Net charge-offs to loans | -0.0032% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 50.8540% | 3,845 |
| Assets per employee ($millions) | 8.9888% | 1,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5602% | 887 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 42.8200% | 3,884 |
| Net loans and leases to deposits | 45.5721% | 3,998 |
| Net loans and leases to core deposits | 52.0626% | 3,932 |
| Total domestic deposits to total assets | 93.9600% | 73 |
| Equity capital to assets | 5.8230% | 4,276 |
| Core capital (leverage) ratio | 8.5182% | 4,073 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.8694% | 521 |
| Memoranda: | ||
| Average total assets | $286,850,500 | 2,543 |
| Average earning assets | $275,586,000 | 2,497 |
| Average equity | $15,388,500 | 3,338 |
| Average total loans | $124,825,000 | 2,982 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 3,972 |
| Cost of funding earning assets | 1.2541% | 3,744 |
| Net interest margin | 3.1514% | 2,820 |
| Noninterest income to average assets | 0.3200% | 2,938 |
| Noninterest expense to average assets | 1.6955% | 4,090 |
| Loan and lease loss provision to assets | 0.0700% | 1,825 |
| Net operating income to assets | 1.5107% | 891 |
| Return on assets (ROA) | 1.5135% | 881 |
| Pretax return on assets | 1.5827% | 1,144 |
| Return on Equity (ROE) | 28.3000% | 129 |
| Retained earnings to average equity (ytd only) | -2.5053% | 4,186 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 49.7317% | 4,004 |
| Assets per employee ($millions) | 9.8350% | 819 |
| Cash dividends to net income (ytd only)* | 108.8534% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4364% | 1,192 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 42.9100% | 3,929 |
| Net loans and leases to deposits | 45.2162% | 4,048 |
| Net loans and leases to core deposits | 51.6442% | 3,971 |
| Total domestic deposits to total assets | 94.8900% | 63 |
| Equity capital to assets | 4.9317% | 4,360 |
| Core capital (leverage) ratio | 8.6187% | 4,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2376% | 640 |
| Memoranda: | ||
| Average total assets | $273,133,200 | 2,577 |
| Average earning assets | $261,851,800 | 2,535 |
| Average equity | $14,608,800 | 3,363 |
| Average total loans | $121,678,400 | 2,978 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4720% | 3,879 |
| Cost of funding earning assets | 1.2652% | 3,724 |
| Net interest margin | 3.2068% | 2,676 |
| Noninterest income to average assets | 0.3000% | 3,043 |
| Noninterest expense to average assets | 1.7141% | 4,059 |
| Loan and lease loss provision to assets | 0.0700% | 1,666 |
| Net operating income to assets | 1.5230% | 913 |
| Return on assets (ROA) | 1.5263% | 905 |
| Pretax return on assets | 1.5960% | 1,161 |
| Return on Equity (ROE) | 27.9400% | 142 |
| Retained earnings to average equity (ytd only) | 0.5835% | 3,830 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 49.7714% | 4,001 |
| Assets per employee ($millions) | 8.6083% | 1,224 |
| Cash dividends to net income (ytd only)* | 97.9112% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 1,217 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 46.2800% | 3,808 |
| Net loans and leases to deposits | 50.9203% | 3,920 |
| Net loans and leases to core deposits | 57.7340% | 3,855 |
| Total domestic deposits to total assets | 90.8800% | 380 |
| Equity capital to assets | 6.1827% | 4,304 |
| Core capital (leverage) ratio | 9.0122% | 3,738 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0063% | 591 |
| Memoranda: | ||
| Average total assets | $267,654,250 | 2,602 |
| Average earning assets | $256,611,250 | 2,562 |
| Average equity | $14,623,250 | 3,359 |
| Average total loans | $119,987,000 | 2,990 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4521% | 3,848 |
| Cost of funding earning assets | 1.1979% | 3,786 |
| Net interest margin | 3.2542% | 2,528 |
| Noninterest income to average assets | 0.3000% | 2,991 |
| Noninterest expense to average assets | 1.7289% | 4,041 |
| Loan and lease loss provision to assets | 0.0700% | 1,571 |
| Net operating income to assets | 1.5514% | 841 |
| Return on assets (ROA) | 1.5557% | 841 |
| Pretax return on assets | 1.6266% | 1,087 |
| Return on Equity (ROE) | 29.7800% | 132 |
| Retained earnings to average equity (ytd only) | -13.0876% | 4,465 |
| Net charge-offs to loans | 0.0017% | 2,515 |
| Credit loss provision to net charge-offs | 9,500.0000% | 46 |
| Earnings coverage of net charge-offs (x) | 2,268.0000% | 34 |
| Efficiency ratio | 49.5419% | 4,034 |
| Assets per employee ($millions) | 8.7941% | 1,080 |
| Cash dividends to net income (ytd only)* | 143.9539% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 1,396 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 46.9600% | 3,791 |
| Net loans and leases to deposits | 51.0547% | 3,929 |
| Net loans and leases to core deposits | 57.2637% | 3,859 |
| Total domestic deposits to total assets | 91.9800% | 272 |
| Equity capital to assets | 5.0970% | 4,357 |
| Core capital (leverage) ratio | 8.5600% | 4,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9028% | 690 |
| Memoranda: | ||
| Average total assets | $267,920,333 | 2,600 |
| Average earning assets | $256,778,333 | 2,555 |
| Average equity | $13,998,000 | 3,399 |
| Average total loans | $118,217,000 | 3,008 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3723% | 3,873 |
| Cost of funding earning assets | 1.1531% | 3,801 |
| Net interest margin | 3.2193% | 2,526 |
| Noninterest income to average assets | 0.3000% | 2,941 |
| Noninterest expense to average assets | 1.7839% | 3,978 |
| Loan and lease loss provision to assets | 0.0700% | 1,402 |
| Net operating income to assets | 1.4595% | 963 |
| Return on assets (ROA) | 1.4609% | 969 |
| Pretax return on assets | 1.5276% | 1,210 |
| Return on Equity (ROE) | 27.6300% | 173 |
| Retained earnings to average equity (ytd only) | 27.6316% | 72 |
| Net charge-offs to loans | -0.0070% | 3,834 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 51.8421% | 3,915 |
| Assets per employee ($millions) | 8.6587% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5250% | 1,007 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 41.0900% | 3,997 |
| Net loans and leases to deposits | 43.6034% | 4,100 |
| Net loans and leases to core deposits | 48.9421% | 4,092 |
| Total domestic deposits to total assets | 94.2300% | 103 |
| Equity capital to assets | 5.5454% | 4,294 |
| Core capital (leverage) ratio | 9.2362% | 3,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.2094% | 474 |
| Memoranda: | ||
| Average total assets | $269,969,000 | 2,598 |
| Average earning assets | $258,442,500 | 2,558 |
| Average equity | $14,273,500 | 3,377 |
| Average total loans | $114,501,500 | 3,057 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0351% | 3,907 |
| Cost of funding earning assets | 0.9509% | 3,411 |
| Net interest margin | 3.0841% | 3,127 |
| Noninterest income to average assets | 0.2800% | 3,252 |
| Noninterest expense to average assets | 1.5630% | 4,279 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.5174% | 979 |
| Return on assets (ROA) | 1.5331% | 933 |
| Pretax return on assets | 1.5982% | 1,231 |
| Return on Equity (ROE) | 35.4500% | 124 |
| Retained earnings to average equity (ytd only) | 4.8064% | 2,670 |
| Net charge-offs to loans | 0.0491% | 1,380 |
| Credit loss provision to net charge-offs | 451.7857% | 723 |
| Earnings coverage of net charge-offs (x) | 79.1250% | 1,029 |
| Efficiency ratio | 47.1784% | 4,136 |
| Assets per employee ($millions) | 8.4849% | 1,190 |
| Cash dividends to net income (ytd only)* | 86.4411% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4187% | 1,324 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 42.4800% | 3,950 |
| Net loans and leases to deposits | 44.8846% | 4,075 |
| Net loans and leases to core deposits | 51.0946% | 4,061 |
| Total domestic deposits to total assets | 94.6500% | 72 |
| Equity capital to assets | 5.0317% | 4,409 |
| Core capital (leverage) ratio | 9.0102% | 3,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3440% | 582 |
| Memoranda: | ||
| Average total assets | $264,112,600 | 2,601 |
| Average earning assets | $253,750,000 | 2,547 |
| Average equity | $11,422,200 | 3,581 |
| Average total loans | $114,103,800 | 3,001 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9741% | 3,893 |
| Cost of funding earning assets | 0.8899% | 3,300 |
| Net interest margin | 3.0842% | 3,166 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 1.5862% | 4,250 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.5021% | 1,121 |
| Return on assets (ROA) | 1.4865% | 1,132 |
| Pretax return on assets | 1.5475% | 1,470 |
| Return on Equity (ROE) | 35.8900% | 153 |
| Retained earnings to average equity (ytd only) | -7.0702% | 4,466 |
| Net charge-offs to loans | 0.0659% | 1,012 |
| Credit loss provision to net charge-offs | 339.2857% | 817 |
| Earnings coverage of net charge-offs (x) | 58.3214% | 1,220 |
| Efficiency ratio | 47.8077% | 4,057 |
| Assets per employee ($millions) | 8.3405% | 1,193 |
| Cash dividends to net income (ytd only)* | 119.6990% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 1,563 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.3200% | 3,902 |
| Net loans and leases to deposits | 47.3916% | 4,025 |
| Net loans and leases to core deposits | 53.0330% | 3,961 |
| Total domestic deposits to total assets | 93.5100% | 243 |
| Equity capital to assets | 3.4782% | 4,458 |
| Core capital (leverage) ratio | 8.5658% | 4,113 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6558% | 646 |
| Memoranda: | ||
| Average total assets | $262,261,500 | 2,615 |
| Average earning assets | $252,593,500 | 2,561 |
| Average equity | $10,862,250 | 3,631 |
| Average total loans | $113,378,500 | 3,019 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8606% | 3,934 |
| Cost of funding earning assets | 0.7636% | 3,320 |
| Net interest margin | 3.0970% | 3,233 |
| Noninterest income to average assets | 0.2700% | 3,288 |
| Noninterest expense to average assets | 1.5613% | 4,288 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.5406% | 1,032 |
| Return on assets (ROA) | 1.5165% | 1,068 |
| Pretax return on assets | 1.5757% | 1,455 |
| Return on Equity (ROE) | 34.7900% | 154 |
| Retained earnings to average equity (ytd only) | -8.7416% | 4,493 |
| Net charge-offs to loans | 0.0925% | 707 |
| Credit loss provision to net charge-offs | 236.5385% | 985 |
| Earnings coverage of net charge-offs (x) | 42.9231% | 1,369 |
| Efficiency ratio | 46.9107% | 4,121 |
| Assets per employee ($millions) | 8.5735% | 1,059 |
| Cash dividends to net income (ytd only)* | 125.1251% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 1,853 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 43.2500% | 3,914 |
| Net loans and leases to deposits | 47.4733% | 4,004 |
| Net loans and leases to core deposits | 52.5642% | 3,935 |
| Total domestic deposits to total assets | 91.1000% | 621 |
| Equity capital to assets | 4.3664% | 4,467 |
| Core capital (leverage) ratio | 8.4735% | 4,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5975% | 664 |
| Memoranda: | ||
| Average total assets | $263,497,000 | 2,615 |
| Average earning assets | $254,053,667 | 2,558 |
| Average equity | $11,485,333 | 3,592 |
| Average total loans | $112,445,667 | 3,032 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7655% | 3,916 |
| Cost of funding earning assets | 0.6478% | 3,229 |
| Net interest margin | 3.1177% | 3,311 |
| Noninterest income to average assets | 0.2700% | 3,286 |
| Noninterest expense to average assets | 1.5795% | 4,329 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.5675% | 1,041 |
| Return on assets (ROA) | 1.4728% | 1,217 |
| Pretax return on assets | 1.5185% | 1,632 |
| Return on Equity (ROE) | 33.8200% | 176 |
| Retained earnings to average equity (ytd only) | -53.7044% | 4,672 |
| Net charge-offs to loans | 0.0724% | 713 |
| Credit loss provision to net charge-offs | 305.0000% | 683 |
| Earnings coverage of net charge-offs (x) | 56.0500% | 1,052 |
| Efficiency ratio | 47.0097% | 4,159 |
| Assets per employee ($millions) | 9.0512% | 913 |
| Cash dividends to net income (ytd only)* | 258.7992% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 1,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 41.9400% | 3,954 |
| Net loans and leases to deposits | 44.2102% | 4,092 |
| Net loans and leases to core deposits | 48.4546% | 4,035 |
| Total domestic deposits to total assets | 94.8600% | 103 |
| Equity capital to assets | 4.3096% | 4,521 |
| Core capital (leverage) ratio | 8.1793% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1491% | 730 |
| Memoranda: | ||
| Average total assets | $262,357,000 | 2,654 |
| Average earning assets | $253,776,500 | 2,589 |
| Average equity | $11,425,500 | 3,630 |
| Average total loans | $110,432,500 | 3,093 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9084% | 4,230 |
| Cost of funding earning assets | 0.1760% | 3,943 |
| Net interest margin | 2.7324% | 4,008 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 1.4939% | 4,434 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.2681% | 1,536 |
| Return on assets (ROA) | 1.2739% | 1,473 |
| Pretax return on assets | 1.3300% | 1,996 |
| Return on Equity (ROE) | 22.4800% | 305 |
| Retained earnings to average equity (ytd only) | 15.8447% | 236 |
| Net charge-offs to loans | 0.0039% | 2,314 |
| Credit loss provision to net charge-offs | 6,200.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 942.0000% | 185 |
| Efficiency ratio | 50.1550% | 4,120 |
| Assets per employee ($millions) | 9.7122% | 742 |
| Cash dividends to net income (ytd only)* | 29.5247% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3388% | 1,725 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 41.1200% | 4,023 |
| Net loans and leases to deposits | 43.4465% | 4,135 |
| Net loans and leases to core deposits | 45.0008% | 4,149 |
| Total domestic deposits to total assets | 94.6300% | 182 |
| Equity capital to assets | 4.4003% | 4,469 |
| Core capital (leverage) ratio | 8.9648% | 3,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.3933% | 592 |
| Memoranda: | ||
| Average total assets | $265,873,800 | 2,632 |
| Average earning assets | $257,978,000 | 2,562 |
| Average equity | $15,065,000 | 3,365 |
| Average total loans | $103,478,200 | 3,100 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7345% | 4,262 |
| Cost of funding earning assets | 0.1353% | 3,986 |
| Net interest margin | 2.5992% | 4,104 |
| Noninterest income to average assets | 0.2600% | 3,611 |
| Noninterest expense to average assets | 1.4903% | 4,428 |
| Loan and lease loss provision to assets | 0.0900% | 1,168 |
| Net operating income to assets | 1.1503% | 1,892 |
| Return on assets (ROA) | 1.1335% | 1,929 |
| Pretax return on assets | 1.1824% | 2,435 |
| Return on Equity (ROE) | 18.9600% | 531 |
| Retained earnings to average equity (ytd only) | 10.6019% | 1,168 |
| Net charge-offs to loans | 0.0026% | 2,162 |
| Credit loss provision to net charge-offs | 9,250.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 1,293.0000% | 106 |
| Efficiency ratio | 52.3348% | 3,983 |
| Assets per employee ($millions) | 8.5897% | 1,033 |
| Cash dividends to net income (ytd only)* | 44.0917% | 1,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 2,031 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 41.3500% | 4,009 |
| Net loans and leases to deposits | 44.1600% | 4,102 |
| Net loans and leases to core deposits | 45.4459% | 4,134 |
| Total domestic deposits to total assets | 93.6300% | 428 |
| Equity capital to assets | 3.4530% | 4,550 |
| Core capital (leverage) ratio | 8.4144% | 4,130 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3518% | 696 |
| Memoranda: | ||
| Average total assets | $266,784,750 | 2,645 |
| Average earning assets | $259,101,750 | 2,577 |
| Average equity | $15,946,500 | 3,323 |
| Average total loans | $102,028,000 | 3,124 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5573% | 4,323 |
| Cost of funding earning assets | 0.1052% | 4,138 |
| Net interest margin | 2.4520% | 4,155 |
| Noninterest income to average assets | 0.2483% | 3,686 |
| Noninterest expense to average assets | 1.4595% | 4,461 |
| Loan and lease loss provision to assets | 0.0919% | 1,079 |
| Net operating income to assets | 1.0374% | 2,029 |
| Return on assets (ROA) | 1.0125% | 2,081 |
| Pretax return on assets | 1.0548% | 2,553 |
| Return on Equity (ROE) | 14.9322% | 907 |
| Retained earnings to average equity (ytd only) | 14.9322% | 269 |
| Net charge-offs to loans | 0.0040% | 1,879 |
| Credit loss provision to net charge-offs | 6,200.0000% | 95 |
| Earnings coverage of net charge-offs (x) | 791.0000% | 177 |
| Efficiency ratio | 54.1819% | 3,948 |
| Assets per employee ($millions) | 8.1788% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2747% | 2,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 39.6829% | 4,087 |
| Net loans and leases to deposits | 43.4138% | 4,137 |
| Net loans and leases to core deposits | 44.8406% | 4,162 |
| Total domestic deposits to total assets | 91.4061% | 1,060 |
| Equity capital to assets | 5.1559% | 4,443 |
| Core capital (leverage) ratio | 8.1144% | 4,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0136% | 626 |
| Memoranda: | ||
| Average total assets | $269,816,333 | 2,651 |
| Average earning assets | $262,312,333 | 2,587 |
| Average equity | $18,296,000 | 3,209 |
| Average total loans | $100,053,000 | 3,186 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4193% | 4,359 |
| Cost of funding earning assets | 0.0825% | 4,324 |
| Net interest margin | 2.3368% | 4,177 |
| Noninterest income to average assets | 0.2278% | 3,789 |
| Noninterest expense to average assets | 1.4401% | 4,490 |
| Loan and lease loss provision to assets | 0.0906% | 914 |
| Net operating income to assets | 0.9377% | 2,120 |
| Return on assets (ROA) | 0.9377% | 2,111 |
| Pretax return on assets | 0.9727% | 2,529 |
| Return on Equity (ROE) | 12.4076% | 1,191 |
| Retained earnings to average equity (ytd only) | 12.4076% | 542 |
| Net charge-offs to loans | 0.0041% | 1,623 |
| Credit loss provision to net charge-offs | 6,200.0000% | 72 |
| Earnings coverage of net charge-offs (x) | 728.0000% | 129 |
| Efficiency ratio | 56.1844% | 3,860 |
| Assets per employee ($millions) | 8.6840% | 1,029 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3206% | 2,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 35.5291% | 4,239 |
| Net loans and leases to deposits | 38.7945% | 4,292 |
| Net loans and leases to core deposits | 40.0303% | 4,312 |
| Total domestic deposits to total assets | 91.5826% | 760 |
| Equity capital to assets | 6.3962% | 4,468 |
| Core capital (leverage) ratio | 7.7177% | 4,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1130% | 634 |
| Memoranda: | ||
| Average total assets | $273,864,500 | 2,638 |
| Average earning assets | $266,692,000 | 2,572 |
| Average equity | $20,697,000 | 3,082 |
| Average total loans | $97,480,000 | 3,222 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7504% | 4,262 |
| Cost of funding earning assets | 0.1073% | 4,332 |
| Net interest margin | 2.6431% | 3,974 |
| Noninterest income to average assets | 0.2619% | 3,806 |
| Noninterest expense to average assets | 1.5441% | 4,491 |
| Loan and lease loss provision to assets | 0.0885% | 1,400 |
| Net operating income to assets | 1.1512% | 2,104 |
| Return on assets (ROA) | 1.1871% | 2,034 |
| Pretax return on assets | 1.2370% | 2,561 |
| Return on Equity (ROE) | 13.0627% | 1,441 |
| Retained earnings to average equity (ytd only) | 13.0627% | 391 |
| Net charge-offs to loans | 0.0261% | 1,723 |
| Credit loss provision to net charge-offs | 954.1667% | 550 |
| Earnings coverage of net charge-offs (x) | 138.9167% | 709 |
| Efficiency ratio | 53.6216% | 3,968 |
| Assets per employee ($millions) | 8.7039% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 2,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 34.7600% | 4,344 |
| Net loans and leases to deposits | 38.1202% | 4,394 |
| Net loans and leases to core deposits | 39.2881% | 4,413 |
| Total domestic deposits to total assets | 91.1853% | 424 |
| Equity capital to assets | 8.6797% | 3,907 |
| Core capital (leverage) ratio | 7.8302% | 4,460 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5238% | 698 |
| Memoranda: | ||
| Average total assets | $258,860,400 | 2,670 |
| Average earning assets | $251,709,200 | 2,605 |
| Average equity | $23,525,000 | 2,937 |
| Average total loans | $91,937,400 | 3,310 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8901% | 4,189 |
| Cost of funding earning assets | 0.1145% | 4,390 |
| Net interest margin | 2.7756% | 3,834 |
| Noninterest income to average assets | 0.2636% | 3,823 |
| Noninterest expense to average assets | 1.5641% | 4,519 |
| Loan and lease loss provision to assets | 0.0886% | 1,347 |
| Net operating income to assets | 1.2527% | 1,978 |
| Return on assets (ROA) | 1.3016% | 1,882 |
| Pretax return on assets | 1.3588% | 2,469 |
| Return on Equity (ROE) | 14.1477% | 1,351 |
| Retained earnings to average equity (ytd only) | 14.1477% | 496 |
| Net charge-offs to loans | 0.0103% | 1,934 |
| Credit loss provision to net charge-offs | 2,414.2857% | 291 |
| Earnings coverage of net charge-offs (x) | 380.0000% | 371 |
| Efficiency ratio | 52.0305% | 4,024 |
| Assets per employee ($millions) | 7.7538% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2148% | 2,920 |
| Loan loss allowance to noncurrent loans | 58,800.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 4,295 |
| Noncurrent loans to loans | 0.0021% | 4,210 |
| Net loans and leases to total assets | 37.3753% | 4,327 |
| Net loans and leases to deposits | 41.8918% | 4,383 |
| Net loans and leases to core deposits | 43.3031% | 4,403 |
| Total domestic deposits to total assets | 89.2186% | 1,163 |
| Equity capital to assets | 9.4304% | 3,437 |
| Core capital (leverage) ratio | 7.5392% | 4,684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9878% | 815 |
| Memoranda: | ||
| Average total assets | $253,944,500 | 2,723 |
| Average earning assets | $246,766,000 | 2,658 |
| Average equity | $23,362,500 | 2,987 |
| Average total loans | $90,413,250 | 3,373 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0100% | 4,025 |
| Cost of funding earning assets | 0.1164% | 4,464 |
| Net interest margin | 2.8936% | 3,589 |
| Noninterest income to average assets | 0.2566% | 3,859 |
| Noninterest expense to average assets | 1.5752% | 4,543 |
| Loan and lease loss provision to assets | 0.0861% | 1,427 |
| Net operating income to assets | 1.3444% | 1,729 |
| Return on assets (ROA) | 1.3565% | 1,767 |
| Pretax return on assets | 1.4149% | 2,284 |
| Return on Equity (ROE) | 14.8702% | 1,197 |
| Retained earnings to average equity (ytd only) | 14.8702% | 449 |
| Net charge-offs to loans | 0.0113% | 1,736 |
| Credit loss provision to net charge-offs | 2,180.0000% | 274 |
| Earnings coverage of net charge-offs (x) | 377.0000% | 322 |
| Efficiency ratio | 50.8505% | 4,156 |
| Assets per employee ($millions) | 7.8529% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 3,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 35.8049% | 4,466 |
| Net loans and leases to deposits | 39.9349% | 4,522 |
| Net loans and leases to core deposits | 41.2155% | 4,548 |
| Total domestic deposits to total assets | 89.6581% | 944 |
| Equity capital to assets | 8.9431% | 3,838 |
| Core capital (leverage) ratio | 7.0700% | 4,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1050% | 940 |
| Memoranda: | ||
| Average total assets | $253,301,000 | 2,720 |
| Average earning assets | $245,715,000 | 2,654 |
| Average equity | $23,106,667 | 3,002 |
| Average total loans | $88,281,000 | 3,424 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0995% | 3,882 |
| Cost of funding earning assets | 0.1122% | 4,570 |
| Net interest margin | 2.9874% | 3,292 |
| Noninterest income to average assets | 0.2451% | 3,927 |
| Noninterest expense to average assets | 1.4299% | 4,713 |
| Loan and lease loss provision to assets | 0.0795% | 1,623 |
| Net operating income to assets | 1.5662% | 1,184 |
| Return on assets (ROA) | 1.5662% | 1,245 |
| Pretax return on assets | 1.6312% | 1,650 |
| Return on Equity (ROE) | 16.9887% | 851 |
| Retained earnings to average equity (ytd only) | 16.9887% | 427 |
| Net charge-offs to loans | -0.0048% | 3,372 |
| Credit loss provision to net charge-offs | -4,900.0000% | 3,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5297% | 4,494 |
| Assets per employee ($millions) | 7.4555% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 36.2220% | 4,493 |
| Net loans and leases to deposits | 39.6706% | 4,578 |
| Net loans and leases to core deposits | 40.8833% | 4,595 |
| Total domestic deposits to total assets | 91.3068% | 294 |
| Equity capital to assets | 8.5590% | 4,072 |
| Core capital (leverage) ratio | 7.5975% | 4,748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4111% | 1,007 |
| Memoranda: | ||
| Average total assets | $246,451,500 | 2,748 |
| Average earning assets | $238,873,500 | 2,683 |
| Average equity | $22,721,000 | 3,019 |
| Average total loans | $84,063,000 | 3,493 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8585% | 4,725 |
| Cost of funding earning assets | 0.2248% | 4,487 |
| Net interest margin | 2.6337% | 4,457 |
| Noninterest income to average assets | 0.2844% | 3,782 |
| Noninterest expense to average assets | 1.6778% | 4,642 |
| Loan and lease loss provision to assets | 0.0683% | 3,523 |
| Net operating income to assets | 1.0368% | 2,152 |
| Return on assets (ROA) | 1.0368% | 2,299 |
| Pretax return on assets | 1.0814% | 2,760 |
| Return on Equity (ROE) | 10.3814% | 1,855 |
| Retained earnings to average equity (ytd only) | 6.9856% | 1,402 |
| Net charge-offs to loans | -0.0062% | 4,178 |
| Credit loss provision to net charge-offs | -3,525.0000% | 4,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3386% | 3,548 |
| Assets per employee ($millions) | 7.7321% | 1,151 |
| Cash dividends to net income (ytd only)* | 32.7103% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3978% | 1,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 30.8374% | 4,735 |
| Net loans and leases to deposits | 34.3109% | 4,775 |
| Net loans and leases to core deposits | 35.7755% | 4,781 |
| Total domestic deposits to total assets | 89.8764% | 613 |
| Equity capital to assets | 9.9620% | 3,163 |
| Core capital (leverage) ratio | 8.2110% | 4,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5523% | 539 |
| Memoranda: | ||
| Average total assets | $206,403,600 | 2,892 |
| Average earning assets | $199,302,200 | 2,827 |
| Average equity | $20,613,800 | 3,128 |
| Average total loans | $64,935,400 | 3,832 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9888% | 4,743 |
| Cost of funding earning assets | 0.2472% | 4,524 |
| Net interest margin | 2.7416% | 4,412 |
| Noninterest income to average assets | 0.2906% | 3,747 |
| Noninterest expense to average assets | 1.6658% | 4,661 |
| Loan and lease loss provision to assets | 0.0615% | 3,571 |
| Net operating income to assets | 1.1606% | 1,782 |
| Return on assets (ROA) | 1.1606% | 1,898 |
| Pretax return on assets | 1.2099% | 2,356 |
| Return on Equity (ROE) | 11.6120% | 1,475 |
| Retained earnings to average equity (ytd only) | 6.9432% | 1,724 |
| Net charge-offs to loans | -0.0085% | 4,183 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,106 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7181% | 3,828 |
| Assets per employee ($millions) | 6.6028% | 1,752 |
| Cash dividends to net income (ytd only)* | 40.2068% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3809% | 1,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 32.6171% | 4,773 |
| Net loans and leases to deposits | 36.5582% | 4,819 |
| Net loans and leases to core deposits | 38.3004% | 4,817 |
| Total domestic deposits to total assets | 89.2196% | 680 |
| Equity capital to assets | 10.5674% | 2,734 |
| Core capital (leverage) ratio | 8.2799% | 4,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6892% | 537 |
| Memoranda: | ||
| Average total assets | $200,014,000 | 2,920 |
| Average earning assets | $193,072,750 | 2,871 |
| Average equity | $19,990,250 | 3,188 |
| Average total loans | $63,033,000 | 3,883 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0898% | 4,790 |
| Cost of funding earning assets | 0.2769% | 4,547 |
| Net interest margin | 2.8129% | 4,429 |
| Noninterest income to average assets | 0.2884% | 3,735 |
| Noninterest expense to average assets | 1.6723% | 4,709 |
| Loan and lease loss provision to assets | 0.0438% | 3,740 |
| Net operating income to assets | 1.2341% | 1,535 |
| Return on assets (ROA) | 1.2351% | 1,650 |
| Pretax return on assets | 1.2861% | 2,082 |
| Return on Equity (ROE) | 12.6178% | 1,190 |
| Retained earnings to average equity (ytd only) | 5.3303% | 2,337 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7216% | 3,978 |
| Assets per employee ($millions) | 6.8402% | 1,539 |
| Cash dividends to net income (ytd only)* | 57.7558% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 1,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 31.4635% | 4,831 |
| Net loans and leases to deposits | 36.1932% | 4,859 |
| Net loans and leases to core deposits | 38.0183% | 4,853 |
| Total domestic deposits to total assets | 86.9322% | 1,647 |
| Equity capital to assets | 10.4168% | 2,825 |
| Core capital (leverage) ratio | 8.3924% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9385% | 508 |
| Memoranda: | ||
| Average total assets | $196,255,000 | 2,933 |
| Average earning assets | $189,269,333 | 2,875 |
| Average equity | $19,211,000 | 3,253 |
| Average total loans | $60,750,000 | 3,929 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1601% | 4,889 |
| Cost of funding earning assets | 0.3292% | 4,574 |
| Net interest margin | 2.8309% | 4,535 |
| Noninterest income to average assets | 0.3129% | 3,636 |
| Noninterest expense to average assets | 1.6707% | 4,802 |
| Loan and lease loss provision to assets | 0.0396% | 3,280 |
| Net operating income to assets | 1.2806% | 1,295 |
| Return on assets (ROA) | 1.2806% | 1,391 |
| Pretax return on assets | 1.3286% | 1,789 |
| Return on Equity (ROE) | 13.5477% | 785 |
| Retained earnings to average equity (ytd only) | -1.8976% | 4,237 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9760% | 4,312 |
| Assets per employee ($millions) | 6.3235% | 1,447 |
| Cash dividends to net income (ytd only)* | 114.0065% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 1,333 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 30.6801% | 4,896 |
| Net loans and leases to deposits | 34.8784% | 4,925 |
| Net loans and leases to core deposits | 36.7646% | 4,919 |
| Total domestic deposits to total assets | 87.9630% | 1,126 |
| Equity capital to assets | 9.6270% | 4,105 |
| Core capital (leverage) ratio | 8.5890% | 4,741 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9114% | 500 |
| Memoranda: | ||
| Average total assets | $191,779,500 | 2,938 |
| Average earning assets | $184,676,000 | 2,876 |
| Average equity | $18,128,500 | 3,355 |
| Average total loans | $58,386,500 | 3,984 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2731% | 4,976 |
| Cost of funding earning assets | 0.4086% | 4,416 |
| Net interest margin | 2.8645% | 4,694 |
| Noninterest income to average assets | 0.3212% | 3,766 |
| Noninterest expense to average assets | 1.6774% | 4,891 |
| Loan and lease loss provision to assets | 0.0535% | 2,959 |
| Net operating income to assets | 1.2922% | 1,723 |
| Return on assets (ROA) | 1.4140% | 1,372 |
| Pretax return on assets | 1.4761% | 1,881 |
| Return on Equity (ROE) | 15.5349% | 602 |
| Retained earnings to average equity (ytd only) | 5.5352% | 2,141 |
| Net charge-offs to loans | 0.0225% | 2,960 |
| Credit loss provision to net charge-offs | 833.3333% | 396 |
| Earnings coverage of net charge-offs (x) | 218.3333% | 373 |
| Efficiency ratio | 54.4585% | 4,382 |
| Assets per employee ($millions) | 7.1797% | 981 |
| Cash dividends to net income (ytd only)* | 64.3696% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 1,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 29.3078% | 4,978 |
| Net loans and leases to deposits | 32.3684% | 5,016 |
| Net loans and leases to core deposits | 34.2195% | 5,011 |
| Total domestic deposits to total assets | 90.5444% | 188 |
| Equity capital to assets | 9.2823% | 4,503 |
| Core capital (leverage) ratio | 8.8522% | 4,638 |
| Tier 1 risk-based capital ratio | 24.4751% | 788 |
| Total risk-based capital ratio | 25.7264% | 774 |
| Memoranda: | ||
| Average total assets | $186,775,800 | 2,947 |
| Average earning assets | $179,891,000 | 2,889 |
| Average equity | $17,000,400 | 3,433 |
| Average total loans | $53,258,000 | 4,119 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4009% | 5,025 |
| Cost of funding earning assets | 0.4220% | 4,429 |
| Net interest margin | 2.9789% | 4,651 |
| Noninterest income to average assets | 0.2335% | 4,341 |
| Noninterest expense to average assets | 1.6878% | 4,935 |
| Loan and lease loss provision to assets | 0.0483% | 2,928 |
| Net operating income to assets | 1.3093% | 1,814 |
| Return on assets (ROA) | 1.4435% | 1,399 |
| Pretax return on assets | 1.5062% | 1,934 |
| Return on Equity (ROE) | 15.9420% | 614 |
| Retained earnings to average equity (ytd only) | 2.4116% | 4,137 |
| Net charge-offs to loans | 0.0153% | 2,851 |
| Credit loss provision to net charge-offs | 1,116.6667% | 318 |
| Earnings coverage of net charge-offs (x) | 327.1588% | 294 |
| Efficiency ratio | 54.4019% | 4,345 |
| Assets per employee ($millions) | 6.4933% | 1,276 |
| Cash dividends to net income (ytd only)* | 84.8727% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4658% | 1,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 31.1314% | 5,037 |
| Net loans and leases to deposits | 34.6147% | 5,081 |
| Net loans and leases to core deposits | 36.6622% | 5,072 |
| Total domestic deposits to total assets | 89.9369% | 305 |
| Equity capital to assets | 9.8497% | 4,159 |
| Core capital (leverage) ratio | 8.6448% | 4,864 |
| Tier 1 risk-based capital ratio | 23.8589% | 858 |
| Total risk-based capital ratio | 25.1103% | 842 |
| Memoranda: | ||
| Average total assets | $185,006,500 | 2,994 |
| Average earning assets | $178,183,500 | 2,928 |
| Average equity | $16,752,000 | 3,488 |
| Average total loans | $52,151,750 | 4,182 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3588% | 5,100 |
| Cost of funding earning assets | 0.4321% | 4,389 |
| Net interest margin | 2.9266% | 4,787 |
| Noninterest income to average assets | 0.2214% | 4,417 |
| Noninterest expense to average assets | 1.6800% | 4,992 |
| Loan and lease loss provision to assets | 0.0451% | 2,920 |
| Net operating income to assets | 1.2606% | 1,917 |
| Return on assets (ROA) | 1.4607% | 1,317 |
| Pretax return on assets | 1.5220% | 1,787 |
| Return on Equity (ROE) | 16.6069% | 509 |
| Retained earnings to average equity (ytd only) | 16.6069% | 113 |
| Net charge-offs to loans | 0.0119% | 2,710 |
| Credit loss provision to net charge-offs | 1,400.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 421.3333% | 180 |
| Efficiency ratio | 55.2883% | 4,339 |
| Assets per employee ($millions) | 6.3138% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 1,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 28.9697% | 5,113 |
| Net loans and leases to deposits | 32.3854% | 5,145 |
| Net loans and leases to core deposits | 34.1358% | 5,145 |
| Total domestic deposits to total assets | 89.4527% | 490 |
| Equity capital to assets | 10.3606% | 3,640 |
| Core capital (leverage) ratio | 9.1280% | 4,525 |
| Tier 1 risk-based capital ratio | 26.8028% | 639 |
| Total risk-based capital ratio | 28.0532% | 626 |
| Memoranda: | ||
| Average total assets | $186,071,000 | 2,988 |
| Average earning assets | $179,113,670 | 2,927 |
| Average equity | $16,366,670 | 3,526 |
| Average total loans | $50,388,000 | 4,248 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2872% | 5,176 |
| Cost of funding earning assets | 0.4123% | 4,438 |
| Net interest margin | 2.8750% | 4,908 |
| Noninterest income to average assets | 0.2202% | 4,433 |
| Noninterest expense to average assets | 1.6402% | 5,064 |
| Loan and lease loss provision to assets | 0.0440% | 2,758 |
| Net operating income to assets | 1.2521% | 1,879 |
| Return on assets (ROA) | 1.4031% | 1,400 |
| Pretax return on assets | 1.4577% | 1,893 |
| Return on Equity (ROE) | 17.3857% | 455 |
| Retained earnings to average equity (ytd only) | 17.3857% | 168 |
| Net charge-offs to loans | 0.0081% | 2,401 |
| Credit loss provision to net charge-offs | 2,100.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 641.0000% | 108 |
| Efficiency ratio | 54.9543% | 4,439 |
| Assets per employee ($millions) | 6.8379% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 1,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 26.7226% | 5,200 |
| Net loans and leases to deposits | 29.3800% | 5,231 |
| Net loans and leases to core deposits | 32.1631% | 5,211 |
| Total domestic deposits to total assets | 90.9551% | 184 |
| Equity capital to assets | 8.8857% | 4,760 |
| Core capital (leverage) ratio | 8.5075% | 5,006 |
| Tier 1 risk-based capital ratio | 25.8777% | 696 |
| Total risk-based capital ratio | 27.1275% | 678 |
| Memoranda: | ||
| Average total assets | $190,714,000 | 2,989 |
| Average earning assets | $183,375,500 | 2,917 |
| Average equity | $15,392,000 | 3,659 |
| Average total loans | $49,565,000 | 4,310 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0551% | 5,208 |
| Cost of funding earning assets | 0.2785% | 4,666 |
| Net interest margin | 2.7766% | 5,041 |
| Noninterest income to average assets | 0.2455% | 4,450 |
| Noninterest expense to average assets | 1.6515% | 5,132 |
| Loan and lease loss provision to assets | 0.0507% | 3,172 |
| Net operating income to assets | 1.1544% | 2,366 |
| Return on assets (ROA) | 1.2005% | 2,166 |
| Pretax return on assets | 1.2539% | 2,682 |
| Return on Equity (ROE) | 16.2622% | 577 |
| Retained earnings to average equity (ytd only) | 4.9043% | 2,822 |
| Net charge-offs to loans | 0.0399% | 2,606 |
| Credit loss provision to net charge-offs | 494.7368% | 699 |
| Earnings coverage of net charge-offs (x) | 122.5789% | 642 |
| Efficiency ratio | 56.7904% | 4,308 |
| Assets per employee ($millions) | 7.2891% | 871 |
| Cash dividends to net income (ytd only)* | 69.8427% | 1,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5941% | 1,044 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 24.4973% | 5,275 |
| Net loans and leases to deposits | 26.4644% | 5,293 |
| Net loans and leases to core deposits | 28.8817% | 5,286 |
| Total domestic deposits to total assets | 92.5673% | 48 |
| Equity capital to assets | 7.3062% | 5,299 |
| Core capital (leverage) ratio | 8.5811% | 4,966 |
| Tier 1 risk-based capital ratio | 24.2622% | 803 |
| Total risk-based capital ratio | 25.5027% | 786 |
| Memoranda: | ||
| Average total assets | $185,342,400 | 3,001 |
| Average earning assets | $177,738,000 | 2,948 |
| Average equity | $13,682,000 | 3,788 |
| Average total loans | $47,648,000 | 4,360 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0599% | 5,265 |
| Cost of funding earning assets | 0.2582% | 4,738 |
| Net interest margin | 2.8017% | 5,083 |
| Noninterest income to average assets | 0.2506% | 4,474 |
| Noninterest expense to average assets | 1.6878% | 5,147 |
| Loan and lease loss provision to assets | 0.0526% | 2,927 |
| Net operating income to assets | 1.1471% | 2,446 |
| Return on assets (ROA) | 1.1976% | 2,255 |
| Pretax return on assets | 1.2502% | 2,811 |
| Return on Equity (ROE) | 16.1780% | 669 |
| Retained earnings to average equity (ytd only) | 0.8390% | 4,895 |
| Net charge-offs to loans | 0.0395% | 2,296 |
| Credit loss provision to net charge-offs | 514.2857% | 686 |
| Earnings coverage of net charge-offs (x) | 122.1896% | 648 |
| Efficiency ratio | 57.4484% | 4,191 |
| Assets per employee ($millions) | 6.4514% | 1,212 |
| Cash dividends to net income (ytd only)* | 94.8139% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6026% | 1,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 26.8947% | 5,313 |
| Net loans and leases to deposits | 29.0472% | 5,352 |
| Net loans and leases to core deposits | 31.1421% | 5,339 |
| Total domestic deposits to total assets | 92.5896% | 51 |
| Equity capital to assets | 7.2933% | 5,349 |
| Core capital (leverage) ratio | 8.2447% | 5,225 |
| Tier 1 risk-based capital ratio | 24.8679% | 769 |
| Total risk-based capital ratio | 26.1191% | 744 |
| Memoranda: | ||
| Average total assets | $182,476,750 | 3,053 |
| Average earning assets | $175,033,500 | 2,996 |
| Average equity | $13,507,750 | 3,842 |
| Average total loans | $47,311,750 | 4,411 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9576% | 5,347 |
| Cost of funding earning assets | 0.2231% | 4,900 |
| Net interest margin | 2.7345% | 5,183 |
| Noninterest income to average assets | 0.2472% | 4,525 |
| Noninterest expense to average assets | 1.6886% | 5,208 |
| Loan and lease loss provision to assets | 0.0518% | 2,879 |
| Net operating income to assets | 1.0808% | 2,658 |
| Return on assets (ROA) | 1.0829% | 2,661 |
| Pretax return on assets | 1.1293% | 3,194 |
| Return on Equity (ROE) | 14.5619% | 945 |
| Retained earnings to average equity (ytd only) | -2.1923% | 5,167 |
| Net charge-offs to loans | 0.0339% | 2,170 |
| Credit loss provision to net charge-offs | 600.0000% | 616 |
| Earnings coverage of net charge-offs (x) | 136.5000% | 560 |
| Efficiency ratio | 58.8855% | 4,105 |
| Assets per employee ($millions) | 6.2615% | 1,290 |
| Cash dividends to net income (ytd only)* | 115.0548% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5214% | 1,329 |
| 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 | 26.5921% | 5,377 |
| Net loans and leases to deposits | 29.3116% | 5,402 |
| Net loans and leases to core deposits | 31.3735% | 5,393 |
| Total domestic deposits to total assets | 90.7222% | 321 |
| Equity capital to assets | 7.3476% | 5,410 |
| Core capital (leverage) ratio | 8.0094% | 5,343 |
| Tier 1 risk-based capital ratio | 23.4321% | 894 |
| Total risk-based capital ratio | 24.6417% | 876 |
| Memoranda: | ||
| Average total assets | $185,240,000 | 3,045 |
| Average earning assets | $177,510,330 | 2,987 |
| Average equity | $13,775,670 | 3,825 |
| Average total loans | $47,212,330 | 4,457 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8272% | 5,443 |
| Cost of funding earning assets | 0.1901% | 5,079 |
| Net interest margin | 2.6371% | 5,298 |
| Noninterest income to average assets | 0.3079% | 4,103 |
| Noninterest expense to average assets | 1.6956% | 5,252 |
| Loan and lease loss provision to assets | 0.0449% | 2,869 |
| Net operating income to assets | 1.0455% | 2,666 |
| Return on assets (ROA) | 1.0435% | 2,696 |
| Pretax return on assets | 1.0862% | 3,221 |
| Return on Equity (ROE) | 13.9503% | 1,024 |
| Retained earnings to average equity (ytd only) | -19.0388% | 5,493 |
| Net charge-offs to loans | 0.0086% | 2,423 |
| Credit loss provision to net charge-offs | 2,100.0000% | 176 |
| Earnings coverage of net charge-offs (x) | 530.0000% | 122 |
| Efficiency ratio | 59.9395% | 4,075 |
| Assets per employee ($millions) | 6.2554% | 1,333 |
| Cash dividends to net income (ytd only)* | 236.4754% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5539% | 1,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 25.3553% | 5,445 |
| Net loans and leases to deposits | 28.0513% | 5,472 |
| Net loans and leases to core deposits | 29.4994% | 5,465 |
| Total domestic deposits to total assets | 90.3890% | 505 |
| Equity capital to assets | 7.1729% | 5,492 |
| Core capital (leverage) ratio | 7.5598% | 5,503 |
| Tier 1 risk-based capital ratio | 23.6851% | 868 |
| Total risk-based capital ratio | 24.9189% | 849 |
| Memoranda: | ||
| Average total assets | $187,068,000 | 3,064 |
| Average earning assets | $178,832,000 | 3,005 |
| Average equity | $13,992,500 | 3,832 |
| Average total loans | $46,302,000 | 4,527 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7001% | 5,495 |
| Cost of funding earning assets | 0.2378% | 4,667 |
| Net interest margin | 2.4624% | 5,431 |
| Noninterest income to average assets | 0.2513% | 4,629 |
| Noninterest expense to average assets | 1.6952% | 5,338 |
| Loan and lease loss provision to assets | 0.0447% | 3,348 |
| Net operating income to assets | 0.8310% | 3,027 |
| Return on assets (ROA) | 0.8691% | 2,892 |
| Pretax return on assets | 0.9054% | 3,908 |
| Return on Equity (ROE) | 10.5600% | 1,654 |
| Retained earnings to average equity (ytd only) | 6.4880% | 1,283 |
| Net charge-offs to loans | -0.0319% | 5,075 |
| Credit loss provision to net charge-offs | -571.4286% | 4,969 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0589% | 3,433 |
| Assets per employee ($millions) | 6.6459% | 1,128 |
| Cash dividends to net income (ytd only)* | 38.5604% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 1,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 23.4400% | 5,538 |
| Net loans and leases to deposits | 25.4678% | 5,558 |
| Net loans and leases to core deposits | 26.3637% | 5,560 |
| Total domestic deposits to total assets | 92.0381% | 78 |
| Equity capital to assets | 7.7689% | 5,469 |
| Core capital (leverage) ratio | 8.2602% | 5,314 |
| Tier 1 risk-based capital ratio | 23.8849% | 825 |
| Total risk-based capital ratio | 25.0397% | 819 |
| Memoranda: | ||
| Average total assets | $179,039,800 | 3,130 |
| Average earning assets | $171,175,800 | 3,054 |
| Average equity | $14,734,800 | 3,750 |
| Average total loans | $43,819,400 | 4,617 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7271% | 5,551 |
| Cost of funding earning assets | 0.2483% | 4,579 |
| Net interest margin | 2.4788% | 5,485 |
| Noninterest income to average assets | 0.2665% | 4,603 |
| Noninterest expense to average assets | 1.7621% | 5,312 |
| Loan and lease loss provision to assets | 0.0433% | 3,238 |
| Net operating income to assets | 0.8014% | 3,517 |
| Return on assets (ROA) | 0.8480% | 3,332 |
| Pretax return on assets | 0.8822% | 4,096 |
| Return on Equity (ROE) | 10.1484% | 2,061 |
| Retained earnings to average equity (ytd only) | 4.6972% | 3,080 |
| Net charge-offs to loans | -0.0554% | 5,193 |
| Credit loss provision to net charge-offs | -316.6667% | 4,709 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7722% | 3,086 |
| Assets per employee ($millions) | 5.8302% | 1,625 |
| Cash dividends to net income (ytd only)* | 53.7152% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5344% | 1,408 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 25.2054% | 5,586 |
| Net loans and leases to deposits | 29.6518% | 5,591 |
| Net loans and leases to core deposits | 30.9044% | 5,587 |
| Total domestic deposits to total assets | 85.0046% | 2,713 |
| Equity capital to assets | 8.7904% | 5,088 |
| Core capital (leverage) ratio | 8.0679% | 5,491 |
| Tier 1 risk-based capital ratio | 25.0531% | 746 |
| Total risk-based capital ratio | 26.2682% | 732 |
| Memoranda: | ||
| Average total assets | $175,617,250 | 3,202 |
| Average earning assets | $168,086,750 | 3,126 |
| Average equity | $14,675,250 | 3,794 |
| Average total loans | $43,303,750 | 4,679 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6854% | 5,598 |
| Cost of funding earning assets | 0.2397% | 4,641 |
| Net interest margin | 2.4457% | 5,538 |
| Noninterest income to average assets | 0.2604% | 4,670 |
| Noninterest expense to average assets | 1.7617% | 5,354 |
| Loan and lease loss provision to assets | 0.0432% | 3,133 |
| Net operating income to assets | 0.7706% | 3,541 |
| Return on assets (ROA) | 0.8405% | 3,247 |
| Pretax return on assets | 0.8723% | 4,024 |
| Return on Equity (ROE) | 10.2340% | 1,942 |
| Retained earnings to average equity (ytd only) | 1.9249% | 4,481 |
| Net charge-offs to loans | -0.0841% | 5,361 |
| Credit loss provision to net charge-offs | -211.1111% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6419% | 3,073 |
| Assets per employee ($millions) | 6.0663% | 1,406 |
| Cash dividends to net income (ytd only)* | 81.1908% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4800% | 1,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 25.2763% | 5,623 |
| Net loans and leases to deposits | 29.5615% | 5,635 |
| Net loans and leases to core deposits | 30.7417% | 5,635 |
| Total domestic deposits to total assets | 85.5040% | 2,617 |
| Equity capital to assets | 8.6094% | 5,220 |
| Core capital (leverage) ratio | 7.7945% | 5,591 |
| Tier 1 risk-based capital ratio | 24.1322% | 841 |
| Total risk-based capital ratio | 25.3015% | 823 |
| Memoranda: | ||
| Average total assets | $175,854,000 | 3,212 |
| Average earning assets | $168,539,330 | 3,129 |
| Average equity | $14,442,000 | 3,830 |
| Average total loans | $42,814,000 | 4,722 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6127% | 5,680 |
| Cost of funding earning assets | 0.2203% | 4,802 |
| Net interest margin | 2.3924% | 5,622 |
| Noninterest income to average assets | 0.2776% | 4,563 |
| Noninterest expense to average assets | 1.8201% | 5,346 |
| Loan and lease loss provision to assets | 0.0432% | 2,937 |
| Net operating income to assets | 0.6939% | 3,738 |
| Return on assets (ROA) | 0.6939% | 3,774 |
| Pretax return on assets | 0.7121% | 4,414 |
| Return on Equity (ROE) | 8.6586% | 2,580 |
| Retained earnings to average equity (ytd only) | 5.8197% | 2,431 |
| Net charge-offs to loans | -0.1440% | 5,552 |
| Credit loss provision to net charge-offs | -126.6667% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6714% | 2,794 |
| Assets per employee ($millions) | 6.2867% | 1,308 |
| Cash dividends to net income (ytd only)* | 32.7869% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5524% | 1,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 23.2736% | 5,707 |
| Net loans and leases to deposits | 26.5229% | 5,721 |
| Net loans and leases to core deposits | 27.5530% | 5,719 |
| Total domestic deposits to total assets | 87.7491% | 1,864 |
| Equity capital to assets | 8.2277% | 5,398 |
| Core capital (leverage) ratio | 7.9207% | 5,589 |
| Tier 1 risk-based capital ratio | 25.0357% | 770 |
| Total risk-based capital ratio | 26.2033% | 760 |
| Memoranda: | ||
| Average total assets | $175,819,000 | 3,234 |
| Average earning assets | $168,866,000 | 3,145 |
| Average equity | $14,090,000 | 3,906 |
| Average total loans | $41,653,500 | 4,798 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5617% | 5,739 |
| Cost of funding earning assets | 0.1778% | 5,233 |
| Net interest margin | 2.3839% | 5,658 |
| Noninterest income to average assets | 0.5130% | 3,147 |
| Noninterest expense to average assets | 1.9857% | 5,216 |
| Loan and lease loss provision to assets | 0.0424% | 3,535 |
| Net operating income to assets | 0.7476% | 3,549 |
| Return on assets (ROA) | 0.7997% | 3,408 |
| Pretax return on assets | 0.8370% | 4,058 |
| Return on Equity (ROE) | 8.9292% | 2,453 |
| Retained earnings to average equity (ytd only) | -6.5422% | 5,718 |
| Net charge-offs to loans | 0.0461% | 3,116 |
| Credit loss provision to net charge-offs | 416.6667% | 767 |
| Earnings coverage of net charge-offs (x) | 81.0556% | 709 |
| Efficiency ratio | 70.6439% | 2,804 |
| Assets per employee ($millions) | 7.0244% | 914 |
| Cash dividends to net income (ytd only)* | 173.2673% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 1,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 23.3945% | 5,769 |
| Net loans and leases to deposits | 27.7732% | 5,765 |
| Net loans and leases to core deposits | 28.9014% | 5,763 |
| Total domestic deposits to total assets | 84.2338% | 3,339 |
| Equity capital to assets | 7.7997% | 5,636 |
| Core capital (leverage) ratio | 7.7571% | 5,695 |
| Tier 1 risk-based capital ratio | 22.8257% | 981 |
| Total risk-based capital ratio | 23.8459% | 989 |
| Memoranda: | ||
| Average total assets | $176,812,200 | 3,198 |
| Average earning assets | $170,434,800 | 3,105 |
| Average equity | $15,835,600 | 3,716 |
| Average total loans | $39,006,800 | 4,911 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5612% | 5,803 |
| Cost of funding earning assets | 0.1749% | 5,305 |
| Net interest margin | 2.3864% | 5,727 |
| Noninterest income to average assets | 0.5285% | 3,054 |
| Noninterest expense to average assets | 1.9927% | 5,223 |
| Loan and lease loss provision to assets | 0.0429% | 3,373 |
| Net operating income to assets | 0.7571% | 3,575 |
| Return on assets (ROA) | 0.8243% | 3,390 |
| Pretax return on assets | 0.8650% | 4,101 |
| Return on Equity (ROE) | 8.9184% | 2,544 |
| Retained earnings to average equity (ytd only) | -11.0360% | 5,856 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4177% | 2,831 |
| Assets per employee ($millions) | 6.5911% | 1,053 |
| Cash dividends to net income (ytd only)* | 223.7452% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 1,564 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 21.4926% | 5,852 |
| Net loans and leases to deposits | 24.7461% | 5,862 |
| Net loans and leases to core deposits | 25.7064% | 5,863 |
| Total domestic deposits to total assets | 86.8526% | 1,961 |
| Equity capital to assets | 9.2493% | 4,921 |
| Core capital (leverage) ratio | 7.6539% | 5,798 |
| Tier 1 risk-based capital ratio | 22.5627% | 1,059 |
| Total risk-based capital ratio | 23.5953% | 1,069 |
| Memoranda: | ||
| Average total assets | $177,112,750 | 3,211 |
| Average earning assets | $170,800,500 | 3,114 |
| Average equity | $16,370,250 | 3,674 |
| Average total loans | $38,335,250 | 4,981 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5640% | 5,885 |
| Cost of funding earning assets | 0.1736% | 5,379 |
| Net interest margin | 2.3904% | 5,817 |
| Noninterest income to average assets | 0.2070% | 5,256 |
| Noninterest expense to average assets | 1.7384% | 5,655 |
| Loan and lease loss provision to assets | 0.0430% | 3,289 |
| Net operating income to assets | 0.6994% | 3,791 |
| Return on assets (ROA) | 0.7646% | 3,620 |
| Pretax return on assets | 0.7985% | 4,285 |
| Return on Equity (ROE) | 8.2740% | 2,849 |
| Retained earnings to average equity (ytd only) | -11.3094% | 5,896 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2031% | 3,115 |
| Assets per employee ($millions) | 6.3321% | 1,181 |
| Cash dividends to net income (ytd only)* | 236.6864% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4916% | 1,895 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 22.0142% | 5,918 |
| Net loans and leases to deposits | 24.9178% | 5,935 |
| Net loans and leases to core deposits | 25.9575% | 5,937 |
| Total domestic deposits to total assets | 88.3474% | 1,249 |
| Equity capital to assets | 9.9561% | 4,282 |
| Core capital (leverage) ratio | 7.8740% | 5,795 |
| Tier 1 risk-based capital ratio | 22.8623% | 1,028 |
| Total risk-based capital ratio | 23.8443% | 1,049 |
| Memoranda: | ||
| Average total assets | $176,830,670 | 3,229 |
| Average earning assets | $170,517,000 | 3,136 |
| Average equity | $16,340,330 | 3,689 |
| Average total loans | $38,161,000 | 5,033 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5498% | 5,952 |
| Cost of funding earning assets | 0.1692% | 5,474 |
| Net interest margin | 2.3806% | 5,886 |
| Noninterest income to average assets | 0.2039% | 5,280 |
| Noninterest expense to average assets | 1.7328% | 5,721 |
| Loan and lease loss provision to assets | 0.0430% | 3,060 |
| Net operating income to assets | 0.6908% | 3,758 |
| Return on assets (ROA) | 0.6908% | 3,868 |
| Pretax return on assets | 0.7226% | 4,444 |
| Return on Equity (ROE) | 7.7784% | 3,043 |
| Retained earnings to average equity (ytd only) | -33.0262% | 6,034 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3563% | 3,235 |
| Assets per employee ($millions) | 6.4034% | 1,162 |
| Cash dividends to net income (ytd only)* | 524.5902% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5076% | 1,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 20.8423% | 5,980 |
| Net loans and leases to deposits | 23.5844% | 5,991 |
| Net loans and leases to core deposits | 24.5568% | 5,996 |
| Total domestic deposits to total assets | 88.3733% | 1,424 |
| Equity capital to assets | 8.6757% | 5,441 |
| Core capital (leverage) ratio | 7.6359% | 5,892 |
| Tier 1 risk-based capital ratio | 22.4116% | 1,102 |
| Total risk-based capital ratio | 23.3691% | 1,125 |
| Memoranda: | ||
| Average total assets | $176,596,500 | 3,239 |
| Average earning assets | $170,208,000 | 3,153 |
| Average equity | $15,684,500 | 3,781 |
| Average total loans | $37,430,500 | 5,099 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4036% | 6,027 |
| Cost of funding earning assets | 0.1731% | 5,514 |
| Net interest margin | 2.2305% | 5,981 |
| Noninterest income to average assets | 0.2262% | 5,240 |
| Noninterest expense to average assets | 1.7445% | 5,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5950% | 4,295 |
| Return on assets (ROA) | 0.7005% | 3,910 |
| Pretax return on assets | 0.7420% | 4,393 |
| Return on Equity (ROE) | 7.9721% | 2,974 |
| Retained earnings to average equity (ytd only) | 4.7781% | 2,596 |
| Net charge-offs to loans | 0.0121% | 4,059 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 280.5000% | 258 |
| Efficiency ratio | 73.4752% | 2,660 |
| Assets per employee ($millions) | 6.2107% | 1,252 |
| Cash dividends to net income (ytd only)* | 40.0641% | 2,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 2,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 20.9127% | 6,039 |
| Net loans and leases to deposits | 24.0378% | 6,049 |
| Net loans and leases to core deposits | 24.9914% | 6,050 |
| Total domestic deposits to total assets | 86.9994% | 2,138 |
| Equity capital to assets | 9.0938% | 5,023 |
| Core capital (leverage) ratio | 8.4529% | 5,472 |
| Tier 1 risk-based capital ratio | 25.8869% | 748 |
| Total risk-based capital ratio | 26.8619% | 748 |
| Memoranda: | ||
| Average total assets | $178,155,400 | 3,197 |
| Average earning assets | $171,577,800 | 3,104 |
| Average equity | $15,654,600 | 3,739 |
| Average total loans | $33,163,600 | 5,253 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3794% | 6,128 |
| Cost of funding earning assets | 0.1722% | 5,613 |
| Net interest margin | 2.2072% | 6,071 |
| Noninterest income to average assets | 0.2291% | 5,283 |
| Noninterest expense to average assets | 1.7513% | 5,846 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5676% | 4,539 |
| Return on assets (ROA) | 0.6495% | 4,247 |
| Pretax return on assets | 0.6919% | 4,706 |
| Return on Equity (ROE) | 7.4543% | 3,368 |
| Retained earnings to average equity (ytd only) | 3.1849% | 4,195 |
| Net charge-offs to loans | 0.0165% | 3,624 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 203.3715% | 358 |
| Efficiency ratio | 74.3290% | 2,501 |
| Assets per employee ($millions) | 6.1813% | 1,252 |
| Cash dividends to net income (ytd only)* | 57.2738% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6121% | 1,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 18.8283% | 6,155 |
| Net loans and leases to deposits | 22.4231% | 6,154 |
| Net loans and leases to core deposits | 23.3172% | 6,156 |
| Total domestic deposits to total assets | 83.9683% | 3,445 |
| Equity capital to assets | 9.1695% | 5,147 |
| Core capital (leverage) ratio | 8.0353% | 5,881 |
| Tier 1 risk-based capital ratio | 25.8379% | 785 |
| Total risk-based capital ratio | 26.8365% | 790 |
| Memoranda: | ||
| Average total assets | $179,219,500 | 3,202 |
| Average earning assets | $172,699,500 | 3,102 |
| Average equity | $15,614,750 | 3,782 |
| Average total loans | $32,224,500 | 5,349 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3616% | 6,205 |
| Cost of funding earning assets | 0.1716% | 5,681 |
| Net interest margin | 2.1900% | 6,148 |
| Noninterest income to average assets | 0.2277% | 5,338 |
| Noninterest expense to average assets | 1.7633% | 5,902 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5323% | 4,643 |
| Return on assets (ROA) | 0.6205% | 4,374 |
| Pretax return on assets | 0.6674% | 4,765 |
| Return on Equity (ROE) | 7.2487% | 3,459 |
| Retained earnings to average equity (ytd only) | 0.7301% | 5,261 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4897% | 2,455 |
| Assets per employee ($millions) | 5.9785% | 1,369 |
| Cash dividends to net income (ytd only)* | 89.9281% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 1,729 |
| Loan loss allowance to noncurrent loans | 2,652.3810% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 5,848 |
| Noncurrent loans to loans | 0.0624% | 5,484 |
| Net loans and leases to total assets | 18.4540% | 6,225 |
| Net loans and leases to deposits | 20.7820% | 6,242 |
| Net loans and leases to core deposits | 21.5991% | 6,239 |
| Total domestic deposits to total assets | 88.7981% | 1,248 |
| Equity capital to assets | 8.3606% | 5,791 |
| Core capital (leverage) ratio | 7.8630% | 5,987 |
| Tier 1 risk-based capital ratio | 25.3149% | 830 |
| Total risk-based capital ratio | 26.3227% | 842 |
| Memoranda: | ||
| Average total assets | $179,207,000 | 3,224 |
| Average earning assets | $172,513,000 | 3,130 |
| Average equity | $15,340,670 | 3,840 |
| Average total loans | $31,531,330 | 5,410 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3816% | 6,265 |
| Cost of funding earning assets | 0.1741% | 5,731 |
| Net interest margin | 2.2075% | 6,203 |
| Noninterest income to average assets | 0.2367% | 5,270 |
| Noninterest expense to average assets | 1.7931% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5438% | 4,498 |
| Return on assets (ROA) | 0.6252% | 4,272 |
| Pretax return on assets | 0.6520% | 4,753 |
| Return on Equity (ROE) | 7.2195% | 3,389 |
| Retained earnings to average equity (ytd only) | 7.2195% | 1,909 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9697% | 2,519 |
| Assets per employee ($millions) | 5.8196% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 1,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 17.0742% | 6,300 |
| Net loans and leases to deposits | 19.3537% | 6,312 |
| Net loans and leases to core deposits | 20.1151% | 6,309 |
| Total domestic deposits to total assets | 88.2216% | 1,697 |
| Equity capital to assets | 9.0606% | 5,225 |
| Core capital (leverage) ratio | 8.0200% | 5,935 |
| Tier 1 risk-based capital ratio | 26.5875% | 748 |
| Total risk-based capital ratio | 27.6293% | 739 |
| Memoranda: | ||
| Average total assets | $179,133,500 | 3,248 |
| Average earning assets | $172,320,500 | 3,149 |
| Average equity | $15,513,500 | 3,828 |
| Average total loans | $30,469,500 | 5,490 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4539% | 6,338 |
| Cost of funding earning assets | 0.1911% | 5,827 |
| Net interest margin | 2.2629% | 6,284 |
| Noninterest income to average assets | 0.5673% | 3,072 |
| Noninterest expense to average assets | 1.9707% | 5,821 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7460% | 3,646 |
| Return on assets (ROA) | 0.7668% | 3,637 |
| Pretax return on assets | 0.7869% | 4,305 |
| Return on Equity (ROE) | 9.5143% | 2,333 |
| Retained earnings to average equity (ytd only) | 9.5143% | 599 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0261% | 3,208 |
| Assets per employee ($millions) | 5.7374% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 1,348 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 16.3173% | 6,408 |
| Net loans and leases to deposits | 19.0152% | 6,416 |
| Net loans and leases to core deposits | 19.7966% | 6,406 |
| Total domestic deposits to total assets | 85.8119% | 2,939 |
| Equity capital to assets | 8.2542% | 5,928 |
| Core capital (leverage) ratio | 8.1536% | 5,885 |
| Tier 1 risk-based capital ratio | 26.5575% | 717 |
| Total risk-based capital ratio | 27.6191% | 714 |
| Memoranda: | ||
| Average total assets | $139,794,600 | 3,804 |
| Average earning assets | $133,990,200 | 3,697 |
| Average equity | $11,267,200 | 4,505 |
| Average total loans | $24,624,600 | 5,794 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4532% | 6,419 |
| Cost of funding earning assets | 0.1933% | 5,885 |
| Net interest margin | 2.2599% | 6,354 |
| Noninterest income to average assets | 0.6929% | 2,366 |
| Noninterest expense to average assets | 1.9629% | 5,837 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8767% | 3,038 |
| Return on assets (ROA) | 0.9068% | 2,974 |
| Pretax return on assets | 0.9262% | 3,876 |
| Return on Equity (ROE) | 11.3437% | 1,673 |
| Retained earnings to average equity (ytd only) | 11.3437% | 473 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6717% | 3,735 |
| Assets per employee ($millions) | 5.4894% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0543% | 1,159 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 15.6060% | 6,501 |
| Net loans and leases to deposits | 17.0743% | 6,513 |
| Net loans and leases to core deposits | 17.7621% | 6,505 |
| Total domestic deposits to total assets | 91.4005% | 259 |
| Equity capital to assets | 8.2652% | 5,972 |
| Core capital (leverage) ratio | 8.3520% | 5,801 |
| Tier 1 risk-based capital ratio | 29.9132% | 527 |
| Total risk-based capital ratio | 31.1250% | 524 |
| Memoranda: | ||
| Average total assets | $130,278,250 | 3,999 |
| Average earning assets | $124,840,000 | 3,896 |
| Average equity | $10,413,750 | 4,704 |
| Average total loans | $23,386,000 | 5,904 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5350% | 6,466 |
| Cost of funding earning assets | 0.1947% | 5,956 |
| Net interest margin | 2.3403% | 6,390 |
| Noninterest income to average assets | 0.1607% | 5,992 |
| Noninterest expense to average assets | 1.6652% | 6,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7094% | 3,788 |
| Return on assets (ROA) | 0.7591% | 3,622 |
| Pretax return on assets | 0.7865% | 4,327 |
| Return on Equity (ROE) | 9.6557% | 2,298 |
| Retained earnings to average equity (ytd only) | 9.6557% | 806 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3732% | 3,764 |
| Assets per employee ($millions) | 6.3769% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3039% | 894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 19.4939% | 6,518 |
| Net loans and leases to deposits | 23.3625% | 6,519 |
| Net loans and leases to core deposits | 24.8425% | 6,509 |
| Total domestic deposits to total assets | 83.4410% | 4,135 |
| Equity capital to assets | 8.4095% | 5,875 |
| Core capital (leverage) ratio | 8.0304% | 6,078 |
| Tier 1 risk-based capital ratio | 24.9259% | 878 |
| Total risk-based capital ratio | 26.1792% | 869 |
| Memoranda: | ||
| Average total assets | $116,980,330 | 4,304 |
| Average earning assets | $111,952,000 | 4,188 |
| Average equity | $9,196,670 | 4,984 |
| Average total loans | $22,143,330 | 5,983 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5760% | 6,528 |
| Cost of funding earning assets | 0.1998% | 6,001 |
| Net interest margin | 2.3762% | 6,431 |
| Noninterest income to average assets | 0.1602% | 6,013 |
| Noninterest expense to average assets | 1.6468% | 6,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7690% | 3,316 |
| Return on assets (ROA) | 0.7555% | 3,471 |
| Pretax return on assets | 0.7764% | 4,195 |
| Return on Equity (ROE) | 9.9764% | 2,049 |
| Retained earnings to average equity (ytd only) | 9.9764% | 969 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5714% | 4,260 |
| Assets per employee ($millions) | 6.1321% | 1,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5272% | 788 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 18.4388% | 6,605 |
| Net loans and leases to deposits | 22.0766% | 6,599 |
| Net loans and leases to core deposits | 23.4687% | 6,590 |
| Total domestic deposits to total assets | 83.5216% | 4,444 |
| Equity capital to assets | 7.9006% | 6,121 |
| Core capital (leverage) ratio | 8.0565% | 6,083 |
| Tier 1 risk-based capital ratio | 26.2957% | 763 |
| Total risk-based capital ratio | 27.5509% | 750 |
| Memoranda: | ||
| Average total assets | $114,890,000 | 4,394 |
| Average earning assets | $110,092,500 | 4,270 |
| Average equity | $8,700,500 | 5,131 |
| Average total loans | $21,127,000 | 6,089 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0405% | 6,710 |
| Cost of funding earning assets | 0.2265% | 6,130 |
| Net interest margin | 1.8140% | 6,684 |
| Noninterest income to average assets | 0.1604% | 6,124 |
| Noninterest expense to average assets | 1.5368% | 6,554 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3389% | 5,384 |
| Return on assets (ROA) | 0.5004% | 4,869 |
| Pretax return on assets | 0.5230% | 5,131 |
| Return on Equity (ROE) | 6.2620% | 3,936 |
| Retained earnings to average equity (ytd only) | 4.0801% | 3,278 |
| Net charge-offs to loans | -0.2218% | 6,630 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2442% | 1,986 |
| Assets per employee ($millions) | 5.6635% | 1,501 |
| Cash dividends to net income (ytd only)* | 34.8432% | 3,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7555% | 637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 17.3541% | 6,700 |
| Net loans and leases to deposits | 21.2830% | 6,696 |
| Net loans and leases to core deposits | 22.7015% | 6,686 |
| Total domestic deposits to total assets | 81.5397% | 5,026 |
| Equity capital to assets | 7.2358% | 6,387 |
| Core capital (leverage) ratio | 7.9856% | 6,145 |
| Tier 1 risk-based capital ratio | 26.9901% | 682 |
| Total risk-based capital ratio | 28.2438% | 666 |
| Memoranda: | ||
| Average total assets | $114,716,800 | 4,394 |
| Average earning assets | $109,483,000 | 4,277 |
| Average equity | $9,166,400 | 5,048 |
| Average total loans | $20,285,000 | 6,188 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9477% | 6,802 |
| Cost of funding earning assets | 0.2307% | 6,222 |
| Net interest margin | 1.7170% | 6,781 |
| Noninterest income to average assets | 0.1610% | 6,221 |
| Noninterest expense to average assets | 1.5120% | 6,631 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2741% | 5,692 |
| Return on assets (ROA) | 0.4576% | 5,135 |
| Pretax return on assets | 0.4785% | 5,424 |
| Return on Equity (ROE) | 5.5973% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.5973% | 2,665 |
| Net charge-offs to loans | 0.0197% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 82.6650% | 573 |
| Efficiency ratio | 84.0309% | 1,598 |
| Assets per employee ($millions) | 6.1903% | 1,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6819% | 760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 16.5760% | 6,784 |
| Net loans and leases to deposits | 20.0239% | 6,785 |
| Net loans and leases to core deposits | 21.8162% | 6,776 |
| Total domestic deposits to total assets | 82.7814% | 4,655 |
| Equity capital to assets | 7.8016% | 6,257 |
| Core capital (leverage) ratio | 7.8941% | 6,281 |
| Tier 1 risk-based capital ratio | 27.5560% | 658 |
| Total risk-based capital ratio | 28.8089% | 649 |
| Memoranda: | ||
| Average total assets | $115,078,500 | 4,429 |
| Average earning assets | $109,800,250 | 4,311 |
| Average equity | $9,409,000 | 5,052 |
| Average total loans | $20,302,750 | 6,249 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8535% | 6,854 |
| Cost of funding earning assets | 0.2308% | 6,304 |
| Net interest margin | 1.6227% | 6,841 |
| Noninterest income to average assets | 0.1496% | 6,302 |
| Noninterest expense to average assets | 1.4945% | 6,674 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1955% | 5,909 |
| Return on assets (ROA) | 0.5538% | 4,706 |
| Pretax return on assets | 0.5761% | 5,109 |
| Return on Equity (ROE) | 6.6752% | 3,788 |
| Retained earnings to average equity (ytd only) | 6.6752% | 2,054 |
| Net charge-offs to loans | -0.0096% | 5,760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0446% | 1,215 |
| Assets per employee ($millions) | 5.7051% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6132% | 873 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 16.7553% | 6,830 |
| Net loans and leases to deposits | 20.3283% | 6,835 |
| Net loans and leases to core deposits | 22.1099% | 6,823 |
| Total domestic deposits to total assets | 82.4235% | 4,904 |
| Equity capital to assets | 7.3417% | 6,498 |
| Core capital (leverage) ratio | 7.6732% | 6,383 |
| Tier 1 risk-based capital ratio | 24.3035% | 962 |
| Total risk-based capital ratio | 25.5549% | 942 |
| Memoranda: | ||
| Average total assets | $116,296,000 | 4,436 |
| Average earning assets | $110,923,000 | 4,315 |
| Average equity | $9,647,670 | 5,019 |
| Average total loans | $20,744,000 | 6,264 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9912% | 6,927 |
| Cost of funding earning assets | 0.2343% | 6,385 |
| Net interest margin | 1.7570% | 6,897 |
| Noninterest income to average assets | 0.1465% | 6,372 |
| Noninterest expense to average assets | 1.4720% | 6,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3488% | 5,357 |
| Return on assets (ROA) | 1.1142% | 1,913 |
| Pretax return on assets | 1.1585% | 2,732 |
| Return on Equity (ROE) | 12.7200% | 1,240 |
| Retained earnings to average equity (ytd only) | 12.7200% | 593 |
| Net charge-offs to loans | -0.0188% | 5,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2974% | 2,282 |
| Assets per employee ($millions) | 6.1940% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6078% | 1,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 16.2798% | 6,907 |
| Net loans and leases to deposits | 19.8450% | 6,907 |
| Net loans and leases to core deposits | 21.5352% | 6,894 |
| Total domestic deposits to total assets | 82.0344% | 5,179 |
| Equity capital to assets | 8.7275% | 5,786 |
| Core capital (leverage) ratio | 7.8661% | 6,246 |
| Tier 1 risk-based capital ratio | 24.2229% | 989 |
| Total risk-based capital ratio | 25.4749% | 972 |
| Memoranda: | ||
| Average total assets | $117,393,500 | 4,454 |
| Average earning assets | $112,694,500 | 4,315 |
| Average equity | $10,283,000 | 4,929 |
| Average total loans | $21,300,500 | 6,298 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7237% | 6,873 |
| Cost of funding earning assets | 0.3051% | 6,430 |
| Net interest margin | 2.4186% | 6,766 |
| Noninterest income to average assets | 0.1722% | 6,169 |
| Noninterest expense to average assets | 1.6260% | 6,784 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8213% | 3,181 |
| Return on assets (ROA) | 1.1537% | 1,922 |
| Pretax return on assets | 1.2046% | 2,792 |
| Return on Equity (ROE) | 12.7619% | 1,292 |
| Retained earnings to average equity (ytd only) | 12.7619% | 265 |
| Net charge-offs to loans | 0.0467% | 5,261 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 92.7000% | 417 |
| Efficiency ratio | 65.4491% | 4,611 |
| Assets per employee ($millions) | 6.1632% | 1,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2330% | 1,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 19.1433% | 6,939 |
| Net loans and leases to deposits | 24.4588% | 6,922 |
| Net loans and leases to core deposits | 26.5822% | 6,903 |
| Total domestic deposits to total assets | 78.2675% | 6,034 |
| Equity capital to assets | 8.7916% | 5,754 |
| Core capital (leverage) ratio | 7.7675% | 6,362 |
| Tier 1 risk-based capital ratio | 22.5958% | 1,173 |
| Total risk-based capital ratio | 23.8467% | 1,148 |
| Memoranda: | ||
| Average total assets | $107,998,200 | 4,637 |
| Average earning assets | $103,241,800 | 4,507 |
| Average equity | $9,763,400 | 5,039 |
| Average total loans | $21,398,400 | 6,364 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8677% | 6,946 |
| Cost of funding earning assets | 0.3194% | 6,517 |
| Net interest margin | 2.5484% | 6,793 |
| Noninterest income to average assets | 0.1791% | 6,234 |
| Noninterest expense to average assets | 1.6697% | 6,813 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9047% | 2,965 |
| Return on assets (ROA) | 1.0984% | 2,290 |
| Pretax return on assets | 1.1464% | 3,171 |
| Return on Equity (ROE) | 12.0586% | 1,614 |
| Retained earnings to average equity (ytd only) | 12.0586% | 519 |
| Net charge-offs to loans | 0.0761% | 4,645 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 62.4150% | 632 |
| Efficiency ratio | 63.8688% | 4,824 |
| Assets per employee ($millions) | 6.0926% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2211% | 1,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 20.4729% | 7,019 |
| Net loans and leases to deposits | 24.6606% | 7,029 |
| Net loans and leases to core deposits | 26.8141% | 7,008 |
| Total domestic deposits to total assets | 83.0186% | 4,632 |
| Equity capital to assets | 9.4550% | 5,258 |
| Core capital (leverage) ratio | 7.5771% | 6,579 |
| Tier 1 risk-based capital ratio | 21.6985% | 1,382 |
| Total risk-based capital ratio | 22.9486% | 1,359 |
| Memoranda: | ||
| Average total assets | $105,722,500 | 4,734 |
| Average earning assets | $101,030,000 | 4,621 |
| Average equity | $9,630,500 | 5,121 |
| Average total loans | $21,015,750 | 6,463 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9899% | 6,976 |
| Cost of funding earning assets | 0.3211% | 6,640 |
| Net interest margin | 2.6688% | 6,746 |
| Noninterest income to average assets | 0.1801% | 6,279 |
| Noninterest expense to average assets | 1.6608% | 6,874 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0217% | 2,377 |
| Return on assets (ROA) | 1.2681% | 1,685 |
| Pretax return on assets | 1.3237% | 2,463 |
| Return on Equity (ROE) | 14.1086% | 1,090 |
| Retained earnings to average equity (ytd only) | 14.1086% | 340 |
| Net charge-offs to loans | 0.0295% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 185.6667% | 245 |
| Efficiency ratio | 60.8848% | 5,436 |
| Assets per employee ($millions) | 5.6120% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5727% | 1,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 18.4323% | 7,103 |
| Net loans and leases to deposits | 21.9159% | 7,113 |
| Net loans and leases to core deposits | 23.3651% | 7,107 |
| Total domestic deposits to total assets | 84.1046% | 4,274 |
| Equity capital to assets | 9.1008% | 5,579 |
| Core capital (leverage) ratio | 7.6265% | 6,552 |
| Tier 1 risk-based capital ratio | 22.3756% | 1,222 |
| Total risk-based capital ratio | 23.6291% | 1,205 |
| Memoranda: | ||
| Average total assets | $104,407,670 | 4,792 |
| Average earning assets | $99,669,330 | 4,675 |
| Average equity | $9,384,330 | 5,187 |
| Average total loans | $20,367,000 | 6,549 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0845% | 7,012 |
| Cost of funding earning assets | 0.3210% | 6,774 |
| Net interest margin | 2.7634% | 6,688 |
| Noninterest income to average assets | 0.2440% | 5,891 |
| Noninterest expense to average assets | 1.7619% | 6,840 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0688% | 2,210 |
| Return on assets (ROA) | 1.0688% | 2,400 |
| Pretax return on assets | 1.1152% | 3,264 |
| Return on Equity (ROE) | 11.9681% | 1,682 |
| Retained earnings to average equity (ytd only) | 11.9681% | 826 |
| Net charge-offs to loans | 0.0782% | 3,714 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 72.0000% | 463 |
| Efficiency ratio | 61.2382% | 5,418 |
| Assets per employee ($millions) | 5.4335% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6841% | 1,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 18.1923% | 7,168 |
| Net loans and leases to deposits | 21.6551% | 7,173 |
| Net loans and leases to core deposits | 22.9970% | 7,166 |
| Total domestic deposits to total assets | 84.0095% | 4,486 |
| Equity capital to assets | 9.1751% | 5,269 |
| Core capital (leverage) ratio | 7.6260% | 6,555 |
| Tier 1 risk-based capital ratio | 21.9980% | 1,285 |
| Total risk-based capital ratio | 23.2521% | 1,257 |
| Memoranda: | ||
| Average total assets | $103,297,500 | 4,856 |
| Average earning assets | $98,428,000 | 4,730 |
| Average equity | $9,224,500 | 5,239 |
| Average total loans | $20,464,000 | 6,592 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2096% | 7,116 |
| Cost of funding earning assets | 0.4041% | 6,876 |
| Net interest margin | 2.8055% | 6,817 |
| Noninterest income to average assets | 0.2224% | 5,938 |
| Noninterest expense to average assets | 1.9578% | 6,751 |
| Loan and lease loss provision to assets | 0.0031% | 6,476 |
| Net operating income to assets | 0.8917% | 2,637 |
| Return on assets (ROA) | 0.8917% | 2,770 |
| Pretax return on assets | 0.9293% | 3,517 |
| Return on Equity (ROE) | 10.6638% | 1,813 |
| Retained earnings to average equity (ytd only) | 9.4151% | 691 |
| Net charge-offs to loans | 0.0049% | 6,372 |
| Credit loss provision to net charge-offs | 300.0000% | 776 |
| Earnings coverage of net charge-offs (x) | 893.0000% | 31 |
| Efficiency ratio | 67.7384% | 4,413 |
| Assets per employee ($millions) | 5.7422% | 1,414 |
| Cash dividends to net income (ytd only)* | 11.7096% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4134% | 1,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 20.4211% | 7,201 |
| Net loans and leases to deposits | 25.6864% | 7,191 |
| Net loans and leases to core deposits | 27.5577% | 7,181 |
| Total domestic deposits to total assets | 79.5015% | 5,868 |
| Equity capital to assets | 8.6853% | 5,915 |
| Core capital (leverage) ratio | 7.5530% | 6,623 |
| Tier 1 risk-based capital ratio | 19.6983% | 1,700 |
| Total risk-based capital ratio | 20.9501% | 1,669 |
| Memoranda: | ||
| Average total assets | $95,770,400 | 5,020 |
| Average earning assets | $91,070,600 | 4,888 |
| Average equity | $8,008,400 | 5,568 |
| Average total loans | $20,591,000 | 6,631 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1956% | 7,212 |
| Cost of funding earning assets | 0.4239% | 6,958 |
| Net interest margin | 2.7717% | 6,920 |
| Noninterest income to average assets | 0.2258% | 6,000 |
| Noninterest expense to average assets | 1.9956% | 6,701 |
| Loan and lease loss provision to assets | 0.0043% | 6,365 |
| Net operating income to assets | 0.8295% | 3,026 |
| Return on assets (ROA) | 0.8295% | 3,188 |
| Pretax return on assets | 0.8636% | 3,900 |
| Return on Equity (ROE) | 10.0261% | 2,187 |
| Retained earnings to average equity (ytd only) | 8.3093% | 1,389 |
| Net charge-offs to loans | 0.0065% | 6,077 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 612.5188% | 57 |
| Efficiency ratio | 69.6925% | 4,004 |
| Assets per employee ($millions) | 5.1761% | 1,960 |
| Cash dividends to net income (ytd only)* | 17.1232% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4728% | 1,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 20.9343% | 7,275 |
| Net loans and leases to deposits | 25.8556% | 7,269 |
| Net loans and leases to core deposits | 27.1438% | 7,266 |
| Total domestic deposits to total assets | 80.9662% | 5,445 |
| Equity capital to assets | 8.9429% | 5,817 |
| Core capital (leverage) ratio | 7.3936% | 6,813 |
| Tier 1 risk-based capital ratio | 19.6515% | 1,771 |
| Total risk-based capital ratio | 20.9035% | 1,744 |
| Memoranda: | ||
| Average total assets | $93,873,250 | 5,106 |
| Average earning assets | $89,328,000 | 4,973 |
| Average equity | $7,766,250 | 5,671 |
| Average total loans | $20,331,500 | 6,705 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1827% | 7,289 |
| Cost of funding earning assets | 0.4459% | 7,024 |
| Net interest margin | 2.7368% | 6,988 |
| Noninterest income to average assets | 0.2273% | 6,036 |
| Noninterest expense to average assets | 2.0264% | 6,732 |
| Loan and lease loss provision to assets | 0.0065% | 6,176 |
| Net operating income to assets | 0.7685% | 3,209 |
| Return on assets (ROA) | 0.7685% | 3,341 |
| Pretax return on assets | 0.7989% | 4,034 |
| Return on Equity (ROE) | 9.5644% | 2,288 |
| Retained earnings to average equity (ytd only) | 6.8702% | 1,934 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5596% | 3,821 |
| Assets per employee ($millions) | 4.5503% | 2,755 |
| Cash dividends to net income (ytd only)* | 28.1690% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5522% | 1,366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 20.8975% | 7,357 |
| Net loans and leases to deposits | 24.4087% | 7,368 |
| Net loans and leases to core deposits | 25.5905% | 7,367 |
| Total domestic deposits to total assets | 85.6149% | 3,552 |
| Equity capital to assets | 8.4431% | 6,244 |
| Core capital (leverage) ratio | 7.1798% | 6,931 |
| Tier 1 risk-based capital ratio | 19.6725% | 1,673 |
| Total risk-based capital ratio | 20.9304% | 1,647 |
| Memoranda: | ||
| Average total assets | $92,382,330 | 5,196 |
| Average earning assets | $87,913,000 | 5,067 |
| Average equity | $7,423,330 | 5,794 |
| Average total loans | $20,072,000 | 6,779 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9289% | 7,410 |
| Cost of funding earning assets | 0.4542% | 7,105 |
| Net interest margin | 2.4748% | 7,214 |
| Noninterest income to average assets | 0.2115% | 6,222 |
| Noninterest expense to average assets | 2.0442% | 6,749 |
| Loan and lease loss provision to assets | 0.0132% | 5,746 |
| Net operating income to assets | 0.4934% | 4,513 |
| Return on assets (ROA) | 0.4934% | 4,598 |
| Pretax return on assets | 0.5066% | 5,006 |
| Return on Equity (ROE) | 6.3090% | 3,726 |
| Retained earnings to average equity (ytd only) | 0.6760% | 5,554 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7251% | 2,580 |
| Assets per employee ($millions) | 4.4258% | 3,013 |
| Cash dividends to net income (ytd only)* | 89.2857% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7358% | 1,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 20.0060% | 7,423 |
| Net loans and leases to deposits | 22.7681% | 7,445 |
| Net loans and leases to core deposits | 23.7954% | 7,444 |
| Total domestic deposits to total assets | 87.8688% | 2,450 |
| Equity capital to assets | 7.6865% | 6,756 |
| Core capital (leverage) ratio | 7.5180% | 6,717 |
| Tier 1 risk-based capital ratio | 19.6626% | 1,655 |
| Total risk-based capital ratio | 20.9155% | 1,631 |
| Memoranda: | ||
| Average total assets | $90,795,000 | 5,269 |
| Average earning assets | $86,311,000 | 5,150 |
| Average equity | $7,101,000 | 5,900 |
| Average total loans | $19,862,000 | 6,846 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6220% | 7,338 |
| Cost of funding earning assets | 0.6262% | 7,068 |
| Net interest margin | 2.9958% | 6,738 |
| Noninterest income to average assets | 0.2810% | 5,764 |
| Noninterest expense to average assets | 2.2706% | 6,431 |
| Loan and lease loss provision to assets | 0.0143% | 6,955 |
| Net operating income to assets | 0.7987% | 2,808 |
| Return on assets (ROA) | 0.7987% | 2,940 |
| Pretax return on assets | 0.8334% | 3,524 |
| Return on Equity (ROE) | 9.1816% | 2,226 |
| Retained earnings to average equity (ytd only) | 8.1508% | 937 |
| Net charge-offs to loans | 0.0048% | 6,798 |
| Credit loss provision to net charge-offs | 1,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 709.0000% | 23 |
| Efficiency ratio | 72.8144% | 3,636 |
| Assets per employee ($millions) | 4.0295% | 3,722 |
| Cash dividends to net income (ytd only)* | 11.2275% | 3,727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5234% | 1,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 22.6593% | 7,490 |
| Net loans and leases to deposits | 27.5886% | 7,492 |
| Net loans and leases to core deposits | 28.9923% | 7,483 |
| Total domestic deposits to total assets | 82.1327% | 5,146 |
| Equity capital to assets | 7.9618% | 6,532 |
| Core capital (leverage) ratio | 7.5279% | 6,683 |
| Tier 1 risk-based capital ratio | 19.4855% | 1,598 |
| Total risk-based capital ratio | 20.7470% | 1,569 |
| Memoranda: | ||
| Average total assets | $83,635,200 | 5,476 |
| Average earning assets | $79,210,200 | 5,377 |
| Average equity | $7,275,400 | 5,940 |
| Average total loans | $20,746,600 | 6,883 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 7,419 |
| Cost of funding earning assets | 0.6649% | 7,141 |
| Net interest margin | 3.1090% | 6,593 |
| Noninterest income to average assets | 0.3027% | 5,729 |
| Noninterest expense to average assets | 2.3289% | 6,235 |
| Loan and lease loss provision to assets | 0.0146% | 6,897 |
| Net operating income to assets | 0.8659% | 2,761 |
| Return on assets (ROA) | 0.8659% | 2,889 |
| Pretax return on assets | 0.9031% | 3,545 |
| Return on Equity (ROE) | 9.7318% | 2,236 |
| Retained earnings to average equity (ytd only) | 8.3675% | 1,286 |
| Net charge-offs to loans | 0.0256% | 6,315 |
| Credit loss provision to net charge-offs | 225.0000% | 1,531 |
| Earnings coverage of net charge-offs (x) | 141.8349% | 225 |
| Efficiency ratio | 71.7348% | 3,757 |
| Assets per employee ($millions) | 3.6435% | 4,634 |
| Cash dividends to net income (ytd only)* | 14.0190% | 3,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6237% | 1,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 22.7649% | 7,581 |
| Net loans and leases to deposits | 25.2298% | 7,626 |
| Net loans and leases to core deposits | 26.6681% | 7,614 |
| Total domestic deposits to total assets | 90.2303% | 762 |
| Equity capital to assets | 9.0084% | 5,568 |
| Core capital (leverage) ratio | 7.7753% | 6,599 |
| Tier 1 risk-based capital ratio | 21.2712% | 1,317 |
| Total risk-based capital ratio | 22.5139% | 1,295 |
| Memoranda: | ||
| Average total assets | $82,382,000 | 5,579 |
| Average earning assets | $78,008,000 | 5,484 |
| Average equity | $7,329,750 | 6,009 |
| Average total loans | $20,781,500 | 6,971 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8393% | 7,470 |
| Cost of funding earning assets | 0.6976% | 7,197 |
| Net interest margin | 3.1417% | 6,485 |
| Noninterest income to average assets | 0.3223% | 5,578 |
| Noninterest expense to average assets | 2.3050% | 6,341 |
| Loan and lease loss provision to assets | 0.0147% | 6,771 |
| Net operating income to assets | 0.9352% | 2,420 |
| Return on assets (ROA) | 0.9352% | 2,510 |
| Pretax return on assets | 0.9718% | 3,230 |
| Return on Equity (ROE) | 10.5558% | 1,909 |
| Retained earnings to average equity (ytd only) | 8.4887% | 1,266 |
| Net charge-offs to loans | 0.0378% | 5,837 |
| Credit loss provision to net charge-offs | 150.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 101.0000% | 324 |
| Efficiency ratio | 70.0297% | 4,188 |
| Assets per employee ($millions) | 3.8480% | 4,105 |
| Cash dividends to net income (ytd only)* | 19.5822% | 2,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3911% | 1,439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 24.6409% | 7,630 |
| Net loans and leases to deposits | 27.2730% | 7,673 |
| Net loans and leases to core deposits | 29.0331% | 7,667 |
| Total domestic deposits to total assets | 90.3492% | 746 |
| Equity capital to assets | 8.9551% | 5,516 |
| Core capital (leverage) ratio | 7.7699% | 6,531 |
| Tier 1 risk-based capital ratio | 19.8771% | 1,534 |
| Total risk-based capital ratio | 21.1312% | 1,498 |
| Memoranda: | ||
| Average total assets | $81,909,330 | 5,632 |
| Average earning assets | $77,410,000 | 5,533 |
| Average equity | $7,256,670 | 6,047 |
| Average total loans | $21,178,330 | 7,005 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 7,452 |
| Cost of funding earning assets | 0.7308% | 7,268 |
| Net interest margin | 3.2701% | 6,069 |
| Noninterest income to average assets | 0.3477% | 5,360 |
| Noninterest expense to average assets | 2.3542% | 6,232 |
| Loan and lease loss provision to assets | 0.0149% | 6,474 |
| Net operating income to assets | 1.0281% | 2,077 |
| Return on assets (ROA) | 1.0281% | 2,137 |
| Pretax return on assets | 1.0678% | 2,848 |
| Return on Equity (ROE) | 11.6710% | 1,593 |
| Retained earnings to average equity (ytd only) | 11.6710% | 803 |
| Net charge-offs to loans | -0.0569% | 7,379 |
| Credit loss provision to net charge-offs | -100.0000% | 6,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4971% | 4,629 |
| Assets per employee ($millions) | 4.1655% | 3,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5500% | 1,232 |
| Loan loss allowance to noncurrent loans | 222.9437% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 6,786 |
| Noncurrent loans to loans | 1.1438% | 5,086 |
| Net loans and leases to total assets | 23.6241% | 7,734 |
| Net loans and leases to deposits | 26.0527% | 7,779 |
| Net loans and leases to core deposits | 28.0244% | 7,766 |
| Total domestic deposits to total assets | 90.6781% | 666 |
| Equity capital to assets | 8.6197% | 5,844 |
| Core capital (leverage) ratio | 7.7899% | 6,519 |
| Tier 1 risk-based capital ratio | 20.5470% | 1,417 |
| Total risk-based capital ratio | 21.8086% | 1,386 |
| Memoranda: | ||
| Average total assets | $80,536,000 | 5,753 |
| Average earning assets | $76,084,000 | 5,633 |
| Average equity | $7,094,500 | 6,165 |
| Average total loans | $21,082,000 | 7,093 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4334% | 7,449 |
| Cost of funding earning assets | 0.9096% | 7,388 |
| Net interest margin | 3.5238% | 4,846 |
| Noninterest income to average assets | 0.3310% | 5,719 |
| Noninterest expense to average assets | 2.4356% | 6,351 |
| Loan and lease loss provision to assets | 0.0162% | 7,337 |
| Net operating income to assets | 1.1455% | 1,398 |
| Return on assets (ROA) | 1.1455% | 1,422 |
| Pretax return on assets | 1.1968% | 1,964 |
| Return on Equity (ROE) | 12.6307% | 1,033 |
| Retained earnings to average equity (ytd only) | 7.8197% | 746 |
| Net charge-offs to loans | 0.0098% | 7,093 |
| Credit loss provision to net charge-offs | 600.0000% | 493 |
| Earnings coverage of net charge-offs (x) | 449.0000% | 64 |
| Efficiency ratio | 66.7531% | 5,238 |
| Assets per employee ($millions) | 3.8882% | 4,051 |
| Cash dividends to net income (ytd only)* | 38.0896% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3170% | 1,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 27.5954% | 7,758 |
| Net loans and leases to deposits | 30.7224% | 7,801 |
| Net loans and leases to core deposits | 35.1389% | 7,821 |
| Total domestic deposits to total assets | 89.8216% | 1,047 |
| Equity capital to assets | 9.0120% | 5,129 |
| Core capital (leverage) ratio | 8.0427% | 6,094 |
| Tier 1 risk-based capital ratio | 18.6462% | 1,727 |
| Total risk-based capital ratio | 19.9003% | 1,692 |
| Memoranda: | ||
| Average total assets | $74,028,000 | 5,887 |
| Average earning assets | $69,698,400 | 5,821 |
| Average equity | $6,713,800 | 6,362 |
| Average total loans | $20,405,200 | 7,168 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5021% | 7,503 |
| Cost of funding earning assets | 0.9213% | 7,523 |
| Net interest margin | 3.5808% | 4,554 |
| Noninterest income to average assets | 0.3338% | 5,817 |
| Noninterest expense to average assets | 2.5738% | 5,811 |
| Loan and lease loss provision to assets | 0.0164% | 7,178 |
| Net operating income to assets | 1.0707% | 1,826 |
| Return on assets (ROA) | 1.0707% | 1,876 |
| Pretax return on assets | 1.1182% | 2,506 |
| Return on Equity (ROE) | 11.7865% | 1,422 |
| Retained earnings to average equity (ytd only) | 5.3009% | 2,316 |
| Net charge-offs to loans | -0.0133% | 7,718 |
| Credit loss provision to net charge-offs | -450.0000% | 7,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4048% | 4,714 |
| Assets per employee ($millions) | 3.7460% | 4,322 |
| Cash dividends to net income (ytd only)* | 55.0259% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5209% | 1,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 26.3227% | 7,873 |
| Net loans and leases to deposits | 29.4339% | 7,919 |
| Net loans and leases to core deposits | 34.2325% | 7,915 |
| Total domestic deposits to total assets | 89.4301% | 1,005 |
| Equity capital to assets | 9.2912% | 5,049 |
| Core capital (leverage) ratio | 7.9352% | 6,463 |
| Tier 1 risk-based capital ratio | 19.1299% | 1,715 |
| Total risk-based capital ratio | 20.3855% | 1,679 |
| Memoranda: | ||
| Average total assets | $73,094,250 | 5,951 |
| Average earning assets | $68,884,750 | 5,888 |
| Average equity | $6,640,250 | 6,435 |
| Average total loans | $20,014,500 | 7,252 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 7,544 |
| Cost of funding earning assets | 0.9484% | 7,627 |
| Net interest margin | 3.6466% | 4,184 |
| Noninterest income to average assets | 0.3256% | 5,909 |
| Noninterest expense to average assets | 2.5964% | 5,755 |
| Loan and lease loss provision to assets | 0.0166% | 7,063 |
| Net operating income to assets | 1.0926% | 1,799 |
| Return on assets (ROA) | 1.0926% | 1,873 |
| Pretax return on assets | 1.1395% | 2,503 |
| Return on Equity (ROE) | 12.1225% | 1,376 |
| Retained earnings to average equity (ytd only) | 3.4592% | 3,389 |
| Net charge-offs to loans | -0.0201% | 7,699 |
| Credit loss provision to net charge-offs | -300.0000% | 7,011 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1912% | 4,946 |
| Assets per employee ($millions) | 3.6683% | 4,403 |
| Cash dividends to net income (ytd only)* | 71.4646% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5230% | 878 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 26.6994% | 7,955 |
| Net loans and leases to deposits | 29.6370% | 7,999 |
| Net loans and leases to core deposits | 34.1665% | 8,002 |
| Total domestic deposits to total assets | 90.0879% | 792 |
| Equity capital to assets | 8.9116% | 5,436 |
| Core capital (leverage) ratio | 7.9342% | 6,438 |
| Tier 1 risk-based capital ratio | 18.9328% | 1,793 |
| Total risk-based capital ratio | 20.1885% | 1,748 |
| Memoranda: | ||
| Average total assets | $72,485,670 | 6,020 |
| Average earning assets | $68,118,000 | 5,949 |
| Average equity | $6,533,330 | 6,523 |
| Average total loans | $19,942,330 | 7,328 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7492% | 7,437 |
| Cost of funding earning assets | 0.9793% | 7,702 |
| Net interest margin | 3.7699% | 3,586 |
| Noninterest income to average assets | 0.3165% | 5,910 |
| Noninterest expense to average assets | 2.5373% | 5,702 |
| Loan and lease loss provision to assets | 0.0167% | 6,658 |
| Net operating income to assets | 1.2603% | 1,476 |
| Return on assets (ROA) | 1.2603% | 1,579 |
| Pretax return on assets | 1.3103% | 2,248 |
| Return on Equity (ROE) | 13.9029% | 1,183 |
| Retained earnings to average equity (ytd only) | -3.4298% | 6,352 |
| Net charge-offs to loans | -0.0201% | 7,441 |
| Credit loss provision to net charge-offs | -300.0000% | 6,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6609% | 5,394 |
| Assets per employee ($millions) | 3.6485% | 4,454 |
| Cash dividends to net income (ytd only)* | 124.6696% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5823% | 704 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 26.0056% | 8,001 |
| Net loans and leases to deposits | 28.8174% | 8,057 |
| Net loans and leases to core deposits | 33.3521% | 8,056 |
| Total domestic deposits to total assets | 90.2424% | 699 |
| Equity capital to assets | 8.9846% | 5,373 |
| Core capital (leverage) ratio | 7.5620% | 7,077 |
| Tier 1 risk-based capital ratio | 18.7239% | 1,876 |
| Total risk-based capital ratio | 19.9803% | 1,824 |
| Memoranda: | ||
| Average total assets | $72,046,000 | 6,064 |
| Average earning assets | $67,801,000 | 5,982 |
| Average equity | $6,531,000 | 6,576 |
| Average total loans | $19,866,000 | 7,372 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2847% | 7,615 |
| Cost of funding earning assets | 1.6070% | 7,435 |
| Net interest margin | 3.6778% | 4,565 |
| Noninterest income to average assets | 0.3405% | 6,014 |
| Noninterest expense to average assets | 2.5085% | 5,970 |
| Loan and lease loss provision to assets | 0.0609% | 6,645 |
| Net operating income to assets | 1.1597% | 1,909 |
| Return on assets (ROA) | 1.1680% | 1,807 |
| Pretax return on assets | 1.2158% | 2,593 |
| Return on Equity (ROE) | 14.4621% | 1,018 |
| Retained earnings to average equity (ytd only) | 13.8161% | 126 |
| Net charge-offs to loans | -0.0102% | 7,855 |
| Credit loss provision to net charge-offs | -2,100.0000% | 7,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4236% | 5,036 |
| Assets per employee ($millions) | 4.7415% | 2,263 |
| Cash dividends to net income (ytd only)* | 4.4665% | 4,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4638% | 712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 27.7744% | 8,040 |
| Net loans and leases to deposits | 31.6804% | 8,096 |
| Net loans and leases to core deposits | 36.4700% | 8,104 |
| Total domestic deposits to total assets | 87.6707% | 1,625 |
| Equity capital to assets | 9.1475% | 5,155 |
| Core capital (leverage) ratio | 7.7911% | 6,816 |
| Tier 1 risk-based capital ratio | 18.7273% | 1,862 |
| Total risk-based capital ratio | 19.9812% | 1,815 |
| Memoranda: | ||
| Average total assets | $69,006,600 | 6,066 |
| Average earning assets | $64,468,600 | 6,007 |
| Average equity | $5,573,200 | 6,957 |
| Average total loans | $19,574,800 | 7,359 |