Home > First State Bank of Le Center > Performance and Condition Ratios
First State Bank of Le Center, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5233% | 3,053 |
| Cost of funding earning assets | 0.5889% | 4,085 |
| Net interest margin | 3.9344% | 1,305 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.8742% | 1,325 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.0799% | 1,973 |
| Return on assets (ROA) | 1.0799% | 1,950 |
| Pretax return on assets | 1.1946% | 2,152 |
| Return on Equity (ROE) | 11.8000% | 2,005 |
| Retained earnings to average equity (ytd only) | -1.5322% | 4,233 |
| Net charge-offs to loans | 0.0098% | 2,286 |
| Credit loss provision to net charge-offs | 1,000.0000% | 406 |
| Earnings coverage of net charge-offs (x) | 220.1667% | 555 |
| Efficiency ratio | 69.6670% | 1,919 |
| Assets per employee ($millions) | 5.7850% | 2,997 |
| Cash dividends to net income (ytd only)* | 112.9825% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 2,127 |
| Loan loss allowance to noncurrent loans | 718.3486% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 2,862 |
| Noncurrent loans to loans | 0.1709% | 2,668 |
| Net loans and leases to total assets | 57.3000% | 3,098 |
| Net loans and leases to deposits | 66.6970% | 3,129 |
| Net loans and leases to core deposits | 68.0636% | 3,406 |
| Total domestic deposits to total assets | 85.9100% | 2,050 |
| Equity capital to assets | 9.4018% | 2,425 |
| Core capital (leverage) ratio | 10.2038% | 2,594 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4837% | 1,187 |
| Memoranda: | ||
| Average total assets | $105,561,200 | 3,775 |
| Average earning assets | $98,998,600 | 3,752 |
| Average equity | $9,659,000 | 3,755 |
| Average total loans | $60,971,400 | 3,692 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4601% | 2,991 |
| Cost of funding earning assets | 0.4893% | 4,154 |
| Net interest margin | 3.9708% | 1,265 |
| Noninterest income to average assets | 0.3900% | 2,543 |
| Noninterest expense to average assets | 2.7732% | 1,491 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 1.1397% | 1,940 |
| Return on assets (ROA) | 1.1397% | 1,923 |
| Pretax return on assets | 1.2737% | 2,112 |
| Return on Equity (ROE) | 12.5500% | 1,994 |
| Retained earnings to average equity (ytd only) | -4.5800% | 4,415 |
| Net charge-offs to loans | 0.0133% | 1,921 |
| Credit loss provision to net charge-offs | 700.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 173.3333% | 662 |
| Efficiency ratio | 67.6315% | 2,056 |
| Assets per employee ($millions) | 5.3931% | 3,269 |
| Cash dividends to net income (ytd only)* | 136.5062% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2280% | 2,230 |
| Loan loss allowance to noncurrent loans | 384.4221% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.1942% | 2,296 |
| Noncurrent loans to loans | 0.3194% | 2,086 |
| Net loans and leases to total assets | 60.0500% | 2,840 |
| Net loans and leases to deposits | 68.3480% | 2,955 |
| Net loans and leases to core deposits | 69.8120% | 3,216 |
| Total domestic deposits to total assets | 87.8600% | 1,622 |
| Equity capital to assets | 9.1101% | 2,359 |
| Core capital (leverage) ratio | 10.8479% | 2,102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3261% | 1,052 |
| Memoranda: | ||
| Average total assets | $104,472,750 | 3,803 |
| Average earning assets | $97,543,750 | 3,781 |
| Average equity | $9,490,250 | 3,771 |
| Average total loans | $60,273,000 | 3,713 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3134% | 3,073 |
| Cost of funding earning assets | 0.4049% | 4,158 |
| Net interest margin | 3.9085% | 1,412 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.6612% | 1,748 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 1.0786% | 2,179 |
| Return on assets (ROA) | 1.0786% | 2,182 |
| Pretax return on assets | 1.2383% | 2,258 |
| Return on Equity (ROE) | 11.8800% | 2,186 |
| Retained earnings to average equity (ytd only) | -12.5131% | 4,541 |
| Net charge-offs to loans | 0.0201% | 1,486 |
| Credit loss provision to net charge-offs | 700.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 115.5000% | 866 |
| Efficiency ratio | 66.8738% | 2,120 |
| Assets per employee ($millions) | 5.5732% | 3,087 |
| Cash dividends to net income (ytd only)* | 205.2910% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,232 |
| Loan loss allowance to noncurrent loans | 944.4444% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 3,010 |
| Noncurrent loans to loans | 0.1312% | 2,819 |
| Net loans and leases to total assets | 57.5700% | 2,999 |
| Net loans and leases to deposits | 66.6339% | 3,025 |
| Net loans and leases to core deposits | 68.0304% | 3,233 |
| Total domestic deposits to total assets | 86.4000% | 2,116 |
| Equity capital to assets | 8.8309% | 2,638 |
| Core capital (leverage) ratio | 10.4432% | 2,359 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8781% | 1,145 |
| Memoranda: | ||
| Average total assets | $105,140,667 | 3,812 |
| Average earning assets | $98,298,333 | 3,795 |
| Average equity | $9,542,000 | 3,795 |
| Average total loans | $59,598,000 | 3,727 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 2,972 |
| Cost of funding earning assets | 0.3113% | 4,167 |
| Net interest margin | 3.9212% | 1,432 |
| Noninterest income to average assets | 0.3900% | 2,457 |
| Noninterest expense to average assets | 2.6306% | 1,870 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2867% | 1,710 |
| Return on assets (ROA) | 1.2867% | 1,685 |
| Pretax return on assets | 1.4585% | 1,752 |
| Return on Equity (ROE) | 13.9900% | 1,776 |
| Retained earnings to average equity (ytd only) | -30.6304% | 4,640 |
| Net charge-offs to loans | 0.0342% | 1,038 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 76.4000% | 914 |
| Efficiency ratio | 64.3324% | 2,413 |
| Assets per employee ($millions) | 5.3427% | 3,369 |
| Cash dividends to net income (ytd only)* | 318.9911% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,318 |
| Loan loss allowance to noncurrent loans | 1,765.8537% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 3,387 |
| Noncurrent loans to loans | 0.0704% | 3,229 |
| Net loans and leases to total assets | 56.6300% | 2,991 |
| Net loans and leases to deposits | 62.7690% | 3,182 |
| Net loans and leases to core deposits | 63.8993% | 3,351 |
| Total domestic deposits to total assets | 90.2200% | 1,081 |
| Equity capital to assets | 9.2649% | 2,308 |
| Core capital (leverage) ratio | 10.1590% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3297% | 940 |
| Memoranda: | ||
| Average total assets | $104,766,000 | 3,866 |
| Average earning assets | $98,949,000 | 3,833 |
| Average equity | $9,637,500 | 3,824 |
| Average total loans | $58,534,500 | 3,782 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6135% | 2,766 |
| Cost of funding earning assets | 0.1857% | 3,866 |
| Net interest margin | 3.4278% | 2,156 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.4686% | 2,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1802% | 1,861 |
| Return on assets (ROA) | 1.1802% | 1,790 |
| Pretax return on assets | 1.2753% | 2,182 |
| Return on Equity (ROE) | 12.8500% | 1,853 |
| Retained earnings to average equity (ytd only) | 9.6633% | 1,252 |
| Net charge-offs to loans | 0.0070% | 2,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 338.5000% | 449 |
| Efficiency ratio | 65.9371% | 2,233 |
| Assets per employee ($millions) | 5.4010% | 3,315 |
| Cash dividends to net income (ytd only)* | 24.8204% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 2,203 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,303 |
| Noncurrent loans to loans | 0.0917% | 3,105 |
| Net loans and leases to total assets | 53.8100% | 3,217 |
| Net loans and leases to deposits | 59.5242% | 3,357 |
| Net loans and leases to core deposits | 60.5214% | 3,477 |
| Total domestic deposits to total assets | 90.4100% | 1,193 |
| Equity capital to assets | 9.1372% | 2,276 |
| Core capital (leverage) ratio | 10.6520% | 2,065 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8717% | 845 |
| Memoranda: | ||
| Average total assets | $106,172,400 | 3,875 |
| Average earning assets | $100,678,200 | 3,832 |
| Average equity | $9,748,200 | 3,901 |
| Average total loans | $56,896,800 | 3,792 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5169% | 2,563 |
| Cost of funding earning assets | 0.1730% | 3,592 |
| Net interest margin | 3.3439% | 2,160 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.3674% | 2,425 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1099% | 2,049 |
| Return on assets (ROA) | 1.1099% | 2,017 |
| Pretax return on assets | 1.2083% | 2,335 |
| Return on Equity (ROE) | 12.0700% | 2,009 |
| Retained earnings to average equity (ytd only) | 9.1240% | 1,609 |
| Net charge-offs to loans | 0.0071% | 1,885 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 319.3333% | 451 |
| Efficiency ratio | 66.2081% | 2,250 |
| Assets per employee ($millions) | 5.3039% | 3,413 |
| Cash dividends to net income (ytd only)* | 24.4318% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 2,199 |
| Loan loss allowance to noncurrent loans | 1,377.3585% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,389 |
| Noncurrent loans to loans | 0.0918% | 3,224 |
| Net loans and leases to total assets | 53.7500% | 3,128 |
| Net loans and leases to deposits | 59.6660% | 3,225 |
| Net loans and leases to core deposits | 60.5267% | 3,344 |
| Total domestic deposits to total assets | 90.0900% | 1,619 |
| Equity capital to assets | 8.5409% | 2,516 |
| Core capital (leverage) ratio | 10.2110% | 2,356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5580% | 1,076 |
| Memoranda: | ||
| Average total assets | $105,710,500 | 3,901 |
| Average earning assets | $100,199,750 | 3,861 |
| Average equity | $9,717,750 | 3,947 |
| Average total loans | $56,406,500 | 3,814 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3429% | 2,599 |
| Cost of funding earning assets | 0.1706% | 3,308 |
| Net interest margin | 3.1723% | 2,277 |
| Noninterest income to average assets | 0.4148% | 2,664 |
| Noninterest expense to average assets | 2.3866% | 2,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.9698% | 2,267 |
| Return on assets (ROA) | 0.9698% | 2,242 |
| Pretax return on assets | 1.0569% | 2,550 |
| Return on Equity (ROE) | 10.3049% | 2,230 |
| Retained earnings to average equity (ytd only) | 7.7086% | 1,725 |
| Net charge-offs to loans | 0.0107% | 1,583 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 562 |
| Efficiency ratio | 69.3069% | 2,063 |
| Assets per employee ($millions) | 5.3750% | 3,368 |
| Cash dividends to net income (ytd only)* | 25.1953% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2761% | 2,295 |
| Loan loss allowance to noncurrent loans | 737.3737% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.0921% | 3,074 |
| Noncurrent loans to loans | 0.1731% | 2,827 |
| Net loans and leases to total assets | 52.5367% | 3,106 |
| Net loans and leases to deposits | 60.7384% | 2,998 |
| Net loans and leases to core deposits | 61.6386% | 3,145 |
| Total domestic deposits to total assets | 86.4967% | 3,113 |
| Equity capital to assets | 8.9079% | 2,443 |
| Core capital (leverage) ratio | 9.9611% | 2,433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8437% | 1,214 |
| Memoranda: | ||
| Average total assets | $105,588,000 | 3,939 |
| Average earning assets | $100,811,000 | 3,907 |
| Average equity | $9,937,000 | 4,002 |
| Average total loans | $55,958,333 | 3,865 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2418% | 2,562 |
| Cost of funding earning assets | 0.1752% | 3,155 |
| Net interest margin | 3.0666% | 2,275 |
| Noninterest income to average assets | 0.4358% | 2,465 |
| Noninterest expense to average assets | 2.3855% | 2,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8754% | 2,386 |
| Return on assets (ROA) | 0.8754% | 2,382 |
| Pretax return on assets | 0.9940% | 2,456 |
| Return on Equity (ROE) | 9.0536% | 2,303 |
| Retained earnings to average equity (ytd only) | 6.6815% | 1,999 |
| Net charge-offs to loans | 0.0289% | 1,026 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 65.0000% | 826 |
| Efficiency ratio | 70.5882% | 2,145 |
| Assets per employee ($millions) | 5.4692% | 3,338 |
| Cash dividends to net income (ytd only)* | 26.2009% | 1,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 2,215 |
| Loan loss allowance to noncurrent loans | 560.7692% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.1251% | 2,930 |
| Noncurrent loans to loans | 0.2371% | 2,644 |
| Net loans and leases to total assets | 52.0594% | 2,983 |
| Net loans and leases to deposits | 57.7047% | 3,104 |
| Net loans and leases to core deposits | 58.7086% | 3,257 |
| Total domestic deposits to total assets | 90.2169% | 1,436 |
| Equity capital to assets | 9.3635% | 2,394 |
| Core capital (leverage) ratio | 10.1811% | 2,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3905% | 844 |
| Memoranda: | ||
| Average total assets | $104,632,000 | 3,969 |
| Average earning assets | $100,437,500 | 3,930 |
| Average equity | $10,117,500 | 4,042 |
| Average total loans | $55,334,000 | 3,880 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9490% | 1,493 |
| Cost of funding earning assets | 0.2180% | 3,283 |
| Net interest margin | 3.7310% | 1,145 |
| Noninterest income to average assets | 0.5416% | 2,391 |
| Noninterest expense to average assets | 2.6340% | 1,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3397% | 1,475 |
| Return on assets (ROA) | 1.3397% | 1,510 |
| Pretax return on assets | 1.4699% | 1,815 |
| Return on Equity (ROE) | 13.1220% | 1,422 |
| Retained earnings to average equity (ytd only) | 4.7734% | 2,881 |
| Net charge-offs to loans | -0.0212% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1827% | 2,533 |
| Assets per employee ($millions) | 5.5447% | 3,219 |
| Cash dividends to net income (ytd only)* | 63.6230% | 964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 2,308 |
| Loan loss allowance to noncurrent loans | 2,364.5161% | 462 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 3,833 |
| Noncurrent loans to loans | 0.0555% | 3,683 |
| Net loans and leases to total assets | 52.3104% | 3,026 |
| Net loans and leases to deposits | 58.4023% | 3,215 |
| Net loans and leases to core deposits | 59.4462% | 3,359 |
| Total domestic deposits to total assets | 89.5691% | 1,194 |
| Equity capital to assets | 9.9715% | 2,682 |
| Core capital (leverage) ratio | 9.8614% | 2,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5989% | 951 |
| Memoranda: | ||
| Average total assets | $101,367,800 | 3,975 |
| Average earning assets | $96,783,800 | 3,943 |
| Average equity | $10,349,000 | 4,089 |
| Average total loans | $56,491,000 | 3,887 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9249% | 1,695 |
| Cost of funding earning assets | 0.2250% | 3,375 |
| Net interest margin | 3.6999% | 1,332 |
| Noninterest income to average assets | 0.5646% | 2,356 |
| Noninterest expense to average assets | 2.5345% | 2,021 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5462% | 1,156 |
| Return on assets (ROA) | 1.5462% | 1,198 |
| Pretax return on assets | 1.5475% | 1,854 |
| Return on Equity (ROE) | 15.0530% | 1,129 |
| Retained earnings to average equity (ytd only) | 4.8883% | 3,260 |
| Net charge-offs to loans | -0.0306% | 4,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0892% | 2,683 |
| Assets per employee ($millions) | 5.2777% | 3,424 |
| Cash dividends to net income (ytd only)* | 67.5258% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 2,302 |
| Loan loss allowance to noncurrent loans | 2,531.0345% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 3,981 |
| Noncurrent loans to loans | 0.0528% | 3,847 |
| Net loans and leases to total assets | 54.0622% | 2,965 |
| Net loans and leases to deposits | 60.8003% | 3,158 |
| Net loans and leases to core deposits | 62.1234% | 3,310 |
| Total domestic deposits to total assets | 88.9177% | 1,329 |
| Equity capital to assets | 10.4540% | 2,486 |
| Core capital (leverage) ratio | 10.0607% | 2,439 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2190% | 924 |
| Memoranda: | ||
| Average total assets | $100,372,250 | 4,036 |
| Average earning assets | $95,422,500 | 4,008 |
| Average equity | $10,310,000 | 4,151 |
| Average total loans | $56,653,250 | 3,935 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8359% | 1,980 |
| Cost of funding earning assets | 0.2332% | 3,441 |
| Net interest margin | 3.6027% | 1,587 |
| Noninterest income to average assets | 0.6155% | 2,147 |
| Noninterest expense to average assets | 2.5537% | 1,981 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.4760% | 1,361 |
| Return on assets (ROA) | 1.4760% | 1,419 |
| Pretax return on assets | 1.4780% | 2,086 |
| Return on Equity (ROE) | 14.4552% | 1,294 |
| Retained earnings to average equity (ytd only) | -0.3902% | 4,552 |
| Net charge-offs to loans | 0.0454% | 1,180 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 57.0769% | 991 |
| Efficiency ratio | 63.3399% | 2,514 |
| Assets per employee ($millions) | 5.4677% | 3,167 |
| Cash dividends to net income (ytd only)* | 102.6991% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 2,732 |
| Loan loss allowance to noncurrent loans | 2,082.3529% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 4,029 |
| Noncurrent loans to loans | 0.0595% | 3,884 |
| Net loans and leases to total assets | 54.3240% | 3,097 |
| Net loans and leases to deposits | 63.4208% | 3,060 |
| Net loans and leases to core deposits | 64.7985% | 3,209 |
| Total domestic deposits to total assets | 85.6564% | 2,855 |
| Equity capital to assets | 9.7241% | 3,116 |
| Core capital (leverage) ratio | 9.5996% | 2,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5465% | 1,220 |
| Memoranda: | ||
| Average total assets | $100,404,000 | 4,062 |
| Average earning assets | $95,207,000 | 4,034 |
| Average equity | $10,252,333 | 4,172 |
| Average total loans | $57,222,333 | 3,948 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 2,198 |
| Cost of funding earning assets | 0.2392% | 3,570 |
| Net interest margin | 3.5279% | 1,752 |
| Noninterest income to average assets | 0.7257% | 1,785 |
| Noninterest expense to average assets | 2.3758% | 2,578 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6947% | 949 |
| Return on assets (ROA) | 1.6947% | 998 |
| Pretax return on assets | 1.6987% | 1,493 |
| Return on Equity (ROE) | 16.1898% | 978 |
| Retained earnings to average equity (ytd only) | 10.8448% | 1,437 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3085% | 3,261 |
| Assets per employee ($millions) | 5.2426% | 3,387 |
| Cash dividends to net income (ytd only)* | 33.0144% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2705% | 2,571 |
| Loan loss allowance to noncurrent loans | 767.0213% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0944% | 3,719 |
| Noncurrent loans to loans | 0.1656% | 3,513 |
| Net loans and leases to total assets | 56.2499% | 3,006 |
| Net loans and leases to deposits | 63.3609% | 3,183 |
| Net loans and leases to core deposits | 64.1883% | 3,395 |
| Total domestic deposits to total assets | 88.7771% | 1,452 |
| Equity capital to assets | 10.4649% | 2,298 |
| Core capital (leverage) ratio | 10.4034% | 2,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5975% | 983 |
| Memoranda: | ||
| Average total assets | $98,663,000 | 4,089 |
| Average earning assets | $93,653,500 | 4,055 |
| Average equity | $10,327,500 | 4,179 |
| Average total loans | $57,262,000 | 3,966 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5382% | 1,221 |
| Cost of funding earning assets | 0.3449% | 3,895 |
| Net interest margin | 4.1933% | 643 |
| Noninterest income to average assets | 0.4896% | 2,674 |
| Noninterest expense to average assets | 2.7161% | 2,191 |
| Loan and lease loss provision to assets | 0.1095% | 2,974 |
| Net operating income to assets | 1.6308% | 600 |
| Return on assets (ROA) | 1.6330% | 643 |
| Pretax return on assets | 1.6341% | 994 |
| Return on Equity (ROE) | 15.2013% | 609 |
| Retained earnings to average equity (ytd only) | 2.6916% | 3,511 |
| Net charge-offs to loans | 0.1568% | 1,048 |
| Credit loss provision to net charge-offs | 105.2632% | 2,766 |
| Earnings coverage of net charge-offs (x) | 16.7368% | 2,112 |
| Efficiency ratio | 60.9337% | 3,327 |
| Assets per employee ($millions) | 5.4287% | 2,922 |
| Cash dividends to net income (ytd only)* | 82.2938% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,700 |
| Loan loss allowance to noncurrent loans | 1,948.6486% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 2,436 |
| Noncurrent loans to loans | 0.0640% | 4,036 |
| Net loans and leases to total assets | 58.3849% | 3,046 |
| Net loans and leases to deposits | 65.5574% | 3,316 |
| Net loans and leases to core deposits | 66.4229% | 3,507 |
| Total domestic deposits to total assets | 89.0592% | 961 |
| Equity capital to assets | 10.4700% | 2,699 |
| Core capital (leverage) ratio | 10.0701% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3677% | 1,181 |
| Memoranda: | ||
| Average total assets | $91,305,800 | 4,107 |
| Average earning assets | $86,399,000 | 4,069 |
| Average equity | $9,808,400 | 4,216 |
| Average total loans | $60,594,400 | 3,906 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7140% | 1,030 |
| Cost of funding earning assets | 0.3638% | 3,983 |
| Net interest margin | 4.3502% | 527 |
| Noninterest income to average assets | 0.4682% | 2,752 |
| Noninterest expense to average assets | 2.5952% | 2,545 |
| Loan and lease loss provision to assets | 0.1483% | 2,542 |
| Net operating income to assets | 1.8460% | 411 |
| Return on assets (ROA) | 1.8490% | 454 |
| Pretax return on assets | 1.8505% | 713 |
| Return on Equity (ROE) | 17.0944% | 440 |
| Retained earnings to average equity (ytd only) | 1.2505% | 4,166 |
| Net charge-offs to loans | 0.2088% | 732 |
| Credit loss provision to net charge-offs | 104.1667% | 2,592 |
| Earnings coverage of net charge-offs (x) | 13.9896% | 2,171 |
| Efficiency ratio | 56.5231% | 3,858 |
| Assets per employee ($millions) | 5.2732% | 2,923 |
| Cash dividends to net income (ytd only)* | 92.6849% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 2,980 |
| Loan loss allowance to noncurrent loans | 74.9220% | 3,646 |
| Noncurrent assets plus other real estate owned to assets | 1.0125% | 1,087 |
| Noncurrent loans to loans | 1.5207% | 937 |
| Net loans and leases to total assets | 65.8196% | 2,543 |
| Net loans and leases to deposits | 74.0301% | 2,953 |
| Net loans and leases to core deposits | 75.4071% | 3,217 |
| Total domestic deposits to total assets | 88.9093% | 811 |
| Equity capital to assets | 10.6072% | 2,699 |
| Core capital (leverage) ratio | 10.2294% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5759% | 1,116 |
| Memoranda: | ||
| Average total assets | $89,703,000 | 4,128 |
| Average earning assets | $85,021,500 | 4,097 |
| Average equity | $9,702,750 | 4,238 |
| Average total loans | $61,299,750 | 3,908 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7110% | 1,380 |
| Cost of funding earning assets | 0.3914% | 4,070 |
| Net interest margin | 4.3196% | 721 |
| Noninterest income to average assets | 0.4502% | 2,807 |
| Noninterest expense to average assets | 2.6147% | 2,615 |
| Loan and lease loss provision to assets | 0.2274% | 1,842 |
| Net operating income to assets | 1.6961% | 626 |
| Return on assets (ROA) | 1.6984% | 677 |
| Pretax return on assets | 1.7007% | 1,001 |
| Return on Equity (ROE) | 15.5934% | 624 |
| Retained earnings to average equity (ytd only) | -5.9701% | 4,813 |
| Net charge-offs to loans | 0.2736% | 580 |
| Credit loss provision to net charge-offs | 120.4819% | 2,279 |
| Earnings coverage of net charge-offs (x) | 10.2048% | 2,168 |
| Efficiency ratio | 57.5864% | 3,745 |
| Assets per employee ($millions) | 5.1861% | 2,952 |
| Cash dividends to net income (ytd only)* | 138.2865% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 2,706 |
| Loan loss allowance to noncurrent loans | 77.1579% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 938 |
| Noncurrent loans to loans | 1.5089% | 1,004 |
| Net loans and leases to total assets | 66.6577% | 2,542 |
| Net loans and leases to deposits | 75.7797% | 2,901 |
| Net loans and leases to core deposits | 79.4396% | 2,991 |
| Total domestic deposits to total assets | 87.9625% | 1,195 |
| Equity capital to assets | 10.3674% | 2,865 |
| Core capital (leverage) ratio | 10.3485% | 2,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5164% | 1,363 |
| Memoranda: | ||
| Average total assets | $87,965,000 | 4,153 |
| Average earning assets | $83,294,000 | 4,122 |
| Average equity | $9,581,000 | 4,266 |
| Average total loans | $60,668,333 | 3,931 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6970% | 1,715 |
| Cost of funding earning assets | 0.4537% | 4,139 |
| Net interest margin | 4.2433% | 841 |
| Noninterest income to average assets | 0.5254% | 2,411 |
| Noninterest expense to average assets | 2.6503% | 2,837 |
| Loan and lease loss provision to assets | 0.4691% | 630 |
| Net operating income to assets | 1.3932% | 1,005 |
| Return on assets (ROA) | 1.3979% | 1,063 |
| Pretax return on assets | 1.4026% | 1,556 |
| Return on Equity (ROE) | 12.5046% | 986 |
| Retained earnings to average equity (ytd only) | -23.7084% | 4,999 |
| Net charge-offs to loans | 0.1747% | 762 |
| Credit loss provision to net charge-offs | 384.6154% | 1,033 |
| Earnings coverage of net charge-offs (x) | 15.3077% | 1,568 |
| Efficiency ratio | 58.6708% | 3,916 |
| Assets per employee ($millions) | 4.6461% | 3,070 |
| Cash dividends to net income (ytd only)* | 289.5973% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 2,016 |
| Loan loss allowance to noncurrent loans | 177.5281% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.6624% | 2,018 |
| Noncurrent loans to loans | 0.7472% | 2,136 |
| Net loans and leases to total assets | 70.2711% | 2,205 |
| Net loans and leases to deposits | 80.5811% | 2,622 |
| Net loans and leases to core deposits | 82.8989% | 2,943 |
| Total domestic deposits to total assets | 87.2054% | 1,466 |
| Equity capital to assets | 11.0464% | 2,819 |
| Core capital (leverage) ratio | 10.6938% | 2,751 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9995% | 1,347 |
| Memoranda: | ||
| Average total assets | $85,272,500 | 4,195 |
| Average earning assets | $80,221,500 | 4,165 |
| Average equity | $9,532,500 | 4,289 |
| Average total loans | $59,523,500 | 3,964 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 1,888 |
| Cost of funding earning assets | 0.4836% | 4,156 |
| Net interest margin | 4.3688% | 952 |
| Noninterest income to average assets | 1.1458% | 714 |
| Noninterest expense to average assets | 2.8541% | 2,429 |
| Loan and lease loss provision to assets | 0.2385% | 796 |
| Net operating income to assets | 2.1502% | 247 |
| Return on assets (ROA) | 2.1560% | 257 |
| Pretax return on assets | 2.1572% | 421 |
| Return on Equity (ROE) | 19.5891% | 235 |
| Retained earnings to average equity (ytd only) | 9.8583% | 519 |
| Net charge-offs to loans | 0.2683% | 776 |
| Credit loss provision to net charge-offs | 125.9259% | 2,028 |
| Earnings coverage of net charge-offs (x) | 12.6173% | 2,405 |
| Efficiency ratio | 54.4259% | 4,385 |
| Assets per employee ($millions) | 4.8287% | 2,802 |
| Cash dividends to net income (ytd only)* | 49.6746% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 2,419 |
| Loan loss allowance to noncurrent loans | 108.9802% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.7559% | 1,715 |
| Noncurrent loans to loans | 1.1044% | 1,365 |
| Net loans and leases to total assets | 67.6216% | 2,736 |
| Net loans and leases to deposits | 77.7475% | 3,035 |
| Net loans and leases to core deposits | 84.7853% | 2,888 |
| Total domestic deposits to total assets | 86.9759% | 1,620 |
| Equity capital to assets | 11.3063% | 2,698 |
| Core capital (leverage) ratio | 11.1288% | 2,391 |
| Tier 1 risk-based capital ratio | 16.3230% | 2,284 |
| Total risk-based capital ratio | 17.5254% | 2,248 |
| Memoranda: | ||
| Average total assets | $85,526,800 | 4,210 |
| Average earning assets | $80,228,200 | 4,183 |
| Average equity | $9,413,400 | 4,319 |
| Average total loans | $60,377,200 | 3,978 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8320% | 2,021 |
| Cost of funding earning assets | 0.4845% | 4,205 |
| Net interest margin | 4.3475% | 1,061 |
| Noninterest income to average assets | 1.3947% | 464 |
| Noninterest expense to average assets | 2.7173% | 2,817 |
| Loan and lease loss provision to assets | 0.3193% | 442 |
| Net operating income to assets | 2.4293% | 184 |
| Return on assets (ROA) | 2.4371% | 189 |
| Pretax return on assets | 2.4387% | 283 |
| Return on Equity (ROE) | 22.2981% | 150 |
| Retained earnings to average equity (ytd only) | 10.1394% | 721 |
| Net charge-offs to loans | 0.1826% | 941 |
| Credit loss provision to net charge-offs | 245.7831% | 1,111 |
| Earnings coverage of net charge-offs (x) | 21.1694% | 1,925 |
| Efficiency ratio | 49.6994% | 4,763 |
| Assets per employee ($millions) | 4.8456% | 2,736 |
| Cash dividends to net income (ytd only)* | 54.5278% | 1,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 2,028 |
| Loan loss allowance to noncurrent loans | 88.2353% | 3,515 |
| Noncurrent assets plus other real estate owned to assets | 1.2050% | 1,051 |
| Noncurrent loans to loans | 1.4582% | 1,044 |
| Net loans and leases to total assets | 69.9312% | 2,487 |
| Net loans and leases to deposits | 79.0836% | 3,003 |
| Net loans and leases to core deposits | 86.3974% | 2,874 |
| Total domestic deposits to total assets | 88.4270% | 855 |
| Equity capital to assets | 10.9952% | 3,101 |
| Core capital (leverage) ratio | 11.0261% | 2,619 |
| Tier 1 risk-based capital ratio | 15.6371% | 2,587 |
| Total risk-based capital ratio | 16.8864% | 2,526 |
| Memoranda: | ||
| Average total assets | $85,179,500 | 4,267 |
| Average earning assets | $79,799,250 | 4,240 |
| Average equity | $9,310,000 | 4,377 |
| Average total loans | $60,599,000 | 4,017 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8161% | 2,009 |
| Cost of funding earning assets | 0.4745% | 4,232 |
| Net interest margin | 4.3415% | 1,062 |
| Noninterest income to average assets | 1.8746% | 296 |
| Noninterest expense to average assets | 2.7551% | 2,737 |
| Loan and lease loss provision to assets | 0.2911% | 484 |
| Net operating income to assets | 2.8971% | 97 |
| Return on assets (ROA) | 2.8971% | 101 |
| Pretax return on assets | 2.8994% | 140 |
| Return on Equity (ROE) | 26.5606% | 69 |
| Retained earnings to average equity (ytd only) | 10.6980% | 603 |
| Net charge-offs to loans | 0.1362% | 1,113 |
| Credit loss provision to net charge-offs | 300.0000% | 895 |
| Earnings coverage of net charge-offs (x) | 32.8780% | 1,398 |
| Efficiency ratio | 46.3376% | 4,973 |
| Assets per employee ($millions) | 4.7149% | 2,857 |
| Cash dividends to net income (ytd only)* | 59.7222% | 1,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,304 |
| Loan loss allowance to noncurrent loans | 106.3291% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 1.0145% | 1,378 |
| Noncurrent loans to loans | 1.1664% | 1,385 |
| Net loans and leases to total assets | 70.9328% | 2,399 |
| Net loans and leases to deposits | 81.5044% | 2,785 |
| Net loans and leases to core deposits | 87.5789% | 2,843 |
| Total domestic deposits to total assets | 87.0294% | 1,586 |
| Equity capital to assets | 11.0311% | 3,012 |
| Core capital (leverage) ratio | 10.8537% | 2,736 |
| Tier 1 risk-based capital ratio | 14.7427% | 2,942 |
| Total risk-based capital ratio | 15.9430% | 2,897 |
| Memoranda: | ||
| Average total assets | $84,499,330 | 4,300 |
| Average earning assets | $79,235,000 | 4,277 |
| Average equity | $9,216,670 | 4,409 |
| Average total loans | $60,202,330 | 4,048 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 2,290 |
| Cost of funding earning assets | 0.4435% | 4,321 |
| Net interest margin | 4.2386% | 1,223 |
| Noninterest income to average assets | 3.2497% | 130 |
| Noninterest expense to average assets | 2.7990% | 2,570 |
| Loan and lease loss provision to assets | 0.0996% | 1,766 |
| Net operating income to assets | 4.3361% | 48 |
| Return on assets (ROA) | 4.3361% | 51 |
| Pretax return on assets | 4.3409% | 61 |
| Return on Equity (ROE) | 39.9825% | 27 |
| Retained earnings to average equity (ytd only) | 35.1269% | 17 |
| Net charge-offs to loans | 0.0669% | 1,384 |
| Credit loss provision to net charge-offs | 210.0000% | 1,022 |
| Earnings coverage of net charge-offs (x) | 93.6000% | 697 |
| Efficiency ratio | 38.6632% | 5,232 |
| Assets per employee ($millions) | 4.6776% | 2,948 |
| Cash dividends to net income (ytd only)* | 12.1444% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1264% | 2,985 |
| Loan loss allowance to noncurrent loans | 135.3755% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 0.7803% | 1,805 |
| Noncurrent loans to loans | 0.8321% | 1,975 |
| Net loans and leases to total assets | 71.4111% | 2,273 |
| Net loans and leases to deposits | 82.8787% | 2,517 |
| Net loans and leases to core deposits | 90.1872% | 2,485 |
| Total domestic deposits to total assets | 86.1634% | 2,202 |
| Equity capital to assets | 11.3911% | 2,494 |
| Core capital (leverage) ratio | 11.3974% | 2,217 |
| Tier 1 risk-based capital ratio | 15.7386% | 2,556 |
| Total risk-based capital ratio | 16.8621% | 2,532 |
| Memoranda: | ||
| Average total assets | $84,314,500 | 4,349 |
| Average earning assets | $79,365,500 | 4,315 |
| Average equity | $9,144,000 | 4,443 |
| Average total loans | $59,825,500 | 4,090 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 1,653 |
| Cost of funding earning assets | 0.3757% | 4,126 |
| Net interest margin | 4.3824% | 979 |
| Noninterest income to average assets | 0.5878% | 2,362 |
| Noninterest expense to average assets | 2.9110% | 2,312 |
| Loan and lease loss provision to assets | 0.0966% | 2,228 |
| Net operating income to assets | 1.6619% | 752 |
| Return on assets (ROA) | 1.6619% | 749 |
| Pretax return on assets | 1.6631% | 1,265 |
| Return on Equity (ROE) | 15.8167% | 667 |
| Retained earnings to average equity (ytd only) | 4.0547% | 3,334 |
| Net charge-offs to loans | 0.0853% | 1,927 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 30.3750% | 1,588 |
| Efficiency ratio | 62.3256% | 3,462 |
| Assets per employee ($millions) | 4.2216% | 3,582 |
| Cash dividends to net income (ytd only)* | 74.3646% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 2,851 |
| Loan loss allowance to noncurrent loans | 1,434.0426% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.2345% | 3,660 |
| Noncurrent loans to loans | 0.0799% | 4,392 |
| Net loans and leases to total assets | 68.8909% | 2,748 |
| Net loans and leases to deposits | 78.3201% | 3,132 |
| Net loans and leases to core deposits | 83.2179% | 3,163 |
| Total domestic deposits to total assets | 87.9607% | 1,314 |
| Equity capital to assets | 10.3006% | 3,373 |
| Core capital (leverage) ratio | 10.3742% | 3,168 |
| Tier 1 risk-based capital ratio | 14.5783% | 3,030 |
| Total risk-based capital ratio | 15.6958% | 2,997 |
| Memoranda: | ||
| Average total assets | $82,857,200 | 4,383 |
| Average earning assets | $77,194,400 | 4,362 |
| Average equity | $8,706,000 | 4,497 |
| Average total loans | $56,282,000 | 4,181 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,638 |
| Cost of funding earning assets | 0.3698% | 4,049 |
| Net interest margin | 4.3435% | 1,026 |
| Noninterest income to average assets | 0.6209% | 2,201 |
| Noninterest expense to average assets | 2.7098% | 2,945 |
| Loan and lease loss provision to assets | 0.0970% | 2,038 |
| Net operating income to assets | 1.8383% | 566 |
| Return on assets (ROA) | 1.8383% | 565 |
| Pretax return on assets | 1.8400% | 927 |
| Return on Equity (ROE) | 17.4083% | 496 |
| Retained earnings to average equity (ytd only) | 11.5290% | 552 |
| Net charge-offs to loans | 0.0311% | 2,467 |
| Credit loss provision to net charge-offs | 461.5385% | 745 |
| Earnings coverage of net charge-offs (x) | 92.1691% | 799 |
| Efficiency ratio | 58.3159% | 4,067 |
| Assets per employee ($millions) | 4.2691% | 3,478 |
| Cash dividends to net income (ytd only)* | 33.7733% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 2,701 |
| Loan loss allowance to noncurrent loans | 364.5503% | 1,421 |
| Noncurrent assets plus other real estate owned to assets | 0.2214% | 3,839 |
| Noncurrent loans to loans | 0.3255% | 3,504 |
| Net loans and leases to total assets | 67.2085% | 3,049 |
| Net loans and leases to deposits | 75.6556% | 3,443 |
| Net loans and leases to core deposits | 81.1586% | 3,394 |
| Total domestic deposits to total assets | 88.8349% | 904 |
| Equity capital to assets | 10.5772% | 3,067 |
| Core capital (leverage) ratio | 11.1382% | 2,469 |
| Tier 1 risk-based capital ratio | 15.5958% | 2,606 |
| Total risk-based capital ratio | 16.7648% | 2,577 |
| Memoranda: | ||
| Average total assets | $82,463,500 | 4,434 |
| Average earning assets | $76,434,750 | 4,420 |
| Average equity | $8,708,250 | 4,541 |
| Average total loans | $55,642,500 | 4,240 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6623% | 1,603 |
| Cost of funding earning assets | 0.3481% | 4,088 |
| Net interest margin | 4.3142% | 1,009 |
| Noninterest income to average assets | 0.6602% | 2,047 |
| Noninterest expense to average assets | 2.7660% | 2,779 |
| Loan and lease loss provision to assets | 0.0982% | 1,973 |
| Net operating income to assets | 1.8088% | 572 |
| Return on assets (ROA) | 1.8088% | 573 |
| Pretax return on assets | 1.8113% | 934 |
| Return on Equity (ROE) | 17.1382% | 508 |
| Retained earnings to average equity (ytd only) | 11.4642% | 593 |
| Net charge-offs to loans | -0.0365% | 4,809 |
| Credit loss provision to net charge-offs | -400.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1601% | 4,060 |
| Assets per employee ($millions) | 4.2469% | 3,504 |
| Cash dividends to net income (ytd only)* | 33.1072% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2200% | 2,603 |
| Loan loss allowance to noncurrent loans | 106.4615% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 0.8055% | 1,856 |
| Noncurrent loans to loans | 1.1460% | 1,530 |
| Net loans and leases to total assets | 69.4332% | 2,666 |
| Net loans and leases to deposits | 78.7095% | 3,087 |
| Net loans and leases to core deposits | 83.5351% | 3,117 |
| Total domestic deposits to total assets | 88.2144% | 1,265 |
| Equity capital to assets | 10.9342% | 2,696 |
| Core capital (leverage) ratio | 10.8639% | 2,642 |
| Tier 1 risk-based capital ratio | 15.6936% | 2,551 |
| Total risk-based capital ratio | 16.9094% | 2,509 |
| Memoranda: | ||
| Average total assets | $81,490,670 | 4,489 |
| Average earning assets | $75,843,000 | 4,474 |
| Average equity | $8,600,670 | 4,593 |
| Average total loans | $54,832,330 | 4,284 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 1,619 |
| Cost of funding earning assets | 0.3371% | 4,088 |
| Net interest margin | 4.2457% | 1,061 |
| Noninterest income to average assets | 0.6741% | 1,941 |
| Noninterest expense to average assets | 2.6328% | 3,239 |
| Loan and lease loss provision to assets | 0.0977% | 1,886 |
| Net operating income to assets | 1.8806% | 473 |
| Return on assets (ROA) | 1.8806% | 479 |
| Pretax return on assets | 1.8806% | 763 |
| Return on Equity (ROE) | 18.1401% | 395 |
| Retained earnings to average equity (ytd only) | 12.4389% | 608 |
| Net charge-offs to loans | 0.0074% | 2,475 |
| Credit loss provision to net charge-offs | 2,000.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 405.0000% | 166 |
| Efficiency ratio | 57.0975% | 4,452 |
| Assets per employee ($millions) | 4.2880% | 3,508 |
| Cash dividends to net income (ytd only)* | 31.4286% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 2,675 |
| Loan loss allowance to noncurrent loans | 147.8747% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5487% | 2,694 |
| Noncurrent loans to loans | 0.8260% | 2,165 |
| Net loans and leases to total assets | 65.6127% | 3,100 |
| Net loans and leases to deposits | 73.8027% | 3,429 |
| Net loans and leases to core deposits | 77.3928% | 3,544 |
| Total domestic deposits to total assets | 88.9029% | 1,147 |
| Equity capital to assets | 10.5349% | 3,042 |
| Core capital (leverage) ratio | 10.6729% | 2,767 |
| Tier 1 risk-based capital ratio | 15.8878% | 2,524 |
| Total risk-based capital ratio | 17.0945% | 2,481 |
| Memoranda: | ||
| Average total assets | $81,890,000 | 4,536 |
| Average earning assets | $75,935,500 | 4,525 |
| Average equity | $8,489,500 | 4,665 |
| Average total loans | $53,889,000 | 4,351 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 1,484 |
| Cost of funding earning assets | 0.3694% | 3,523 |
| Net interest margin | 4.2111% | 1,167 |
| Noninterest income to average assets | 0.6189% | 2,355 |
| Noninterest expense to average assets | 2.8249% | 2,690 |
| Loan and lease loss provision to assets | 0.0250% | 3,797 |
| Net operating income to assets | 1.6795% | 549 |
| Return on assets (ROA) | 1.6820% | 559 |
| Pretax return on assets | 1.6832% | 1,048 |
| Return on Equity (ROE) | 16.3418% | 443 |
| Retained earnings to average equity (ytd only) | 4.0370% | 2,759 |
| Net charge-offs to loans | 0.1253% | 1,797 |
| Credit loss provision to net charge-offs | 30.3030% | 3,533 |
| Earnings coverage of net charge-offs (x) | 20.7121% | 1,952 |
| Efficiency ratio | 62.3520% | 3,887 |
| Assets per employee ($millions) | 4.3320% | 3,440 |
| Cash dividends to net income (ytd only)* | 75.2967% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 2,793 |
| Loan loss allowance to noncurrent loans | 365.3409% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.2138% | 4,067 |
| Noncurrent loans to loans | 0.3280% | 3,597 |
| Net loans and leases to total assets | 64.4142% | 3,312 |
| Net loans and leases to deposits | 74.2040% | 3,504 |
| Net loans and leases to core deposits | 78.7248% | 3,528 |
| Total domestic deposits to total assets | 86.8069% | 2,084 |
| Equity capital to assets | 10.2007% | 3,489 |
| Core capital (leverage) ratio | 9.9663% | 3,498 |
| Tier 1 risk-based capital ratio | 15.2263% | 2,729 |
| Total risk-based capital ratio | 16.3864% | 2,713 |
| Memoranda: | ||
| Average total assets | $80,144,800 | 4,592 |
| Average earning assets | $74,445,400 | 4,579 |
| Average equity | $8,248,800 | 4,746 |
| Average total loans | $52,685,600 | 4,393 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 1,526 |
| Cost of funding earning assets | 0.3672% | 3,490 |
| Net interest margin | 4.1731% | 1,218 |
| Noninterest income to average assets | 0.5845% | 2,565 |
| Noninterest expense to average assets | 2.6698% | 3,167 |
| Loan and lease loss provision to assets | 0.0335% | 3,453 |
| Net operating income to assets | 1.7436% | 532 |
| Return on assets (ROA) | 1.7469% | 542 |
| Pretax return on assets | 1.7486% | 1,007 |
| Return on Equity (ROE) | 16.9341% | 433 |
| Retained earnings to average equity (ytd only) | 1.9159% | 4,672 |
| Net charge-offs to loans | 0.1068% | 1,716 |
| Credit loss provision to net charge-offs | 47.6190% | 2,936 |
| Earnings coverage of net charge-offs (x) | 25.2850% | 1,733 |
| Efficiency ratio | 60.0151% | 4,216 |
| Assets per employee ($millions) | 4.2278% | 3,594 |
| Cash dividends to net income (ytd only)* | 88.6864% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2291% | 2,748 |
| Loan loss allowance to noncurrent loans | 521.0938% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,473 |
| Noncurrent loans to loans | 0.2359% | 4,113 |
| Net loans and leases to total assets | 66.7264% | 3,013 |
| Net loans and leases to deposits | 76.4917% | 3,324 |
| Net loans and leases to core deposits | 85.4578% | 3,015 |
| Total domestic deposits to total assets | 87.2336% | 1,761 |
| Equity capital to assets | 10.3550% | 3,529 |
| Core capital (leverage) ratio | 10.1824% | 3,333 |
| Tier 1 risk-based capital ratio | 14.8964% | 2,960 |
| Total risk-based capital ratio | 16.1046% | 2,910 |
| Memoranda: | ||
| Average total assets | $79,604,000 | 4,644 |
| Average earning assets | $73,709,000 | 4,633 |
| Average equity | $8,212,000 | 4,797 |
| Average total loans | $52,441,750 | 4,437 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4533% | 1,654 |
| Cost of funding earning assets | 0.3530% | 3,551 |
| Net interest margin | 4.1003% | 1,325 |
| Noninterest income to average assets | 0.5670% | 2,624 |
| Noninterest expense to average assets | 2.6788% | 3,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.6910% | 574 |
| Return on assets (ROA) | 1.6910% | 583 |
| Pretax return on assets | 1.6935% | 1,072 |
| Return on Equity (ROE) | 16.4125% | 474 |
| Retained earnings to average equity (ytd only) | -1.9323% | 5,342 |
| Net charge-offs to loans | 0.1659% | 1,172 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 15.6279% | 2,017 |
| Efficiency ratio | 61.2680% | 4,125 |
| Assets per employee ($millions) | 4.1698% | 3,681 |
| Cash dividends to net income (ytd only)* | 111.7735% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1892% | 3,088 |
| Loan loss allowance to noncurrent loans | 21,533.3333% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 5,292 |
| Noncurrent loans to loans | 0.0055% | 5,170 |
| Net loans and leases to total assets | 67.7496% | 2,849 |
| Net loans and leases to deposits | 77.9483% | 3,121 |
| Net loans and leases to core deposits | 84.8418% | 2,984 |
| Total domestic deposits to total assets | 86.9161% | 1,983 |
| Equity capital to assets | 10.2440% | 3,625 |
| Core capital (leverage) ratio | 10.2507% | 3,202 |
| Tier 1 risk-based capital ratio | 14.6883% | 3,071 |
| Total risk-based capital ratio | 15.8704% | 3,021 |
| Memoranda: | ||
| Average total assets | $79,362,670 | 4,677 |
| Average earning assets | $73,653,330 | 4,666 |
| Average equity | $8,176,670 | 4,830 |
| Average total loans | $51,833,330 | 4,470 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3215% | 1,899 |
| Cost of funding earning assets | 0.3470% | 3,565 |
| Net interest margin | 3.9744% | 1,540 |
| Noninterest income to average assets | 0.5237% | 2,809 |
| Noninterest expense to average assets | 2.5431% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6719% | 583 |
| Return on assets (ROA) | 1.6719% | 596 |
| Pretax return on assets | 1.6719% | 1,066 |
| Return on Equity (ROE) | 16.1813% | 508 |
| Retained earnings to average equity (ytd only) | 10.8200% | 639 |
| Net charge-offs to loans | 0.4032% | 457 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 6.5098% | 2,212 |
| Efficiency ratio | 60.3345% | 4,416 |
| Assets per employee ($millions) | 4.3198% | 3,472 |
| Cash dividends to net income (ytd only)* | 33.1325% | 2,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 2,906 |
| Loan loss allowance to noncurrent loans | 63,800.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 5,389 |
| Noncurrent loans to loans | 0.0019% | 5,274 |
| Net loans and leases to total assets | 65.5422% | 3,041 |
| Net loans and leases to deposits | 74.9985% | 3,305 |
| Net loans and leases to core deposits | 80.8667% | 3,216 |
| Total domestic deposits to total assets | 87.3913% | 2,035 |
| Equity capital to assets | 10.7477% | 2,909 |
| Core capital (leverage) ratio | 10.6556% | 2,731 |
| Tier 1 risk-based capital ratio | 15.8006% | 2,620 |
| Total risk-based capital ratio | 17.0110% | 2,582 |
| Memoranda: | ||
| Average total assets | $79,430,500 | 4,724 |
| Average earning assets | $73,771,500 | 4,711 |
| Average equity | $8,207,000 | 4,857 |
| Average total loans | $50,589,000 | 4,542 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 1,537 |
| Cost of funding earning assets | 0.3595% | 3,420 |
| Net interest margin | 4.1401% | 1,276 |
| Noninterest income to average assets | 0.6772% | 2,283 |
| Noninterest expense to average assets | 2.9139% | 2,623 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.6089% | 663 |
| Return on assets (ROA) | 1.6089% | 687 |
| Pretax return on assets | 1.6103% | 1,247 |
| Return on Equity (ROE) | 15.2879% | 590 |
| Retained earnings to average equity (ytd only) | 2.8890% | 3,842 |
| Net charge-offs to loans | 0.0163% | 3,754 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 154.2500% | 421 |
| Efficiency ratio | 64.4073% | 3,865 |
| Assets per employee ($millions) | 4.5058% | 3,103 |
| Cash dividends to net income (ytd only)* | 81.1030% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 2,124 |
| Loan loss allowance to noncurrent loans | 427.9503% | 1,201 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 4,526 |
| Noncurrent loans to loans | 0.3247% | 3,981 |
| Net loans and leases to total assets | 60.2774% | 3,817 |
| Net loans and leases to deposits | 74.0806% | 3,505 |
| Net loans and leases to core deposits | 77.8843% | 3,577 |
| Total domestic deposits to total assets | 81.3674% | 4,243 |
| Equity capital to assets | 9.9340% | 3,787 |
| Core capital (leverage) ratio | 10.0149% | 3,465 |
| Tier 1 risk-based capital ratio | 15.3633% | 2,811 |
| Total risk-based capital ratio | 16.6123% | 2,742 |
| Memoranda: | ||
| Average total assets | $76,634,000 | 4,803 |
| Average earning assets | $71,205,400 | 4,777 |
| Average equity | $8,065,200 | 4,926 |
| Average total loans | $49,069,400 | 4,598 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5295% | 1,451 |
| Cost of funding earning assets | 0.3567% | 3,469 |
| Net interest margin | 4.1727% | 1,195 |
| Noninterest income to average assets | 0.7009% | 2,159 |
| Noninterest expense to average assets | 2.7914% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.7903% | 500 |
| Return on assets (ROA) | 1.7903% | 529 |
| Pretax return on assets | 1.7921% | 911 |
| Return on Equity (ROE) | 16.7587% | 467 |
| Retained earnings to average equity (ytd only) | 1.4213% | 4,941 |
| Net charge-offs to loans | 0.0245% | 3,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 112.7750% | 602 |
| Efficiency ratio | 60.9014% | 4,409 |
| Assets per employee ($millions) | 4.2022% | 3,586 |
| Cash dividends to net income (ytd only)* | 91.5183% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3825% | 2,278 |
| Loan loss allowance to noncurrent loans | 1,109.6774% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0820% | 5,112 |
| Noncurrent loans to loans | 0.1246% | 4,842 |
| Net loans and leases to total assets | 64.8837% | 3,286 |
| Net loans and leases to deposits | 76.5564% | 3,346 |
| Net loans and leases to core deposits | 81.2765% | 3,335 |
| Total domestic deposits to total assets | 84.7528% | 2,912 |
| Equity capital to assets | 10.6954% | 3,357 |
| Core capital (leverage) ratio | 10.5116% | 2,984 |
| Tier 1 risk-based capital ratio | 15.7178% | 2,746 |
| Total risk-based capital ratio | 16.9678% | 2,681 |
| Memoranda: | ||
| Average total assets | $75,516,250 | 4,859 |
| Average earning assets | $70,263,750 | 4,839 |
| Average equity | $8,067,250 | 4,972 |
| Average total loans | $48,942,500 | 4,649 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4893% | 1,549 |
| Cost of funding earning assets | 0.3495% | 3,575 |
| Net interest margin | 4.1398% | 1,258 |
| Noninterest income to average assets | 0.7102% | 2,097 |
| Noninterest expense to average assets | 2.7161% | 3,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8523% | 439 |
| Return on assets (ROA) | 1.8523% | 462 |
| Pretax return on assets | 1.8549% | 774 |
| Return on Equity (ROE) | 17.3456% | 409 |
| Retained earnings to average equity (ytd only) | -1.9604% | 5,536 |
| Net charge-offs to loans | -0.0288% | 5,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4203% | 4,722 |
| Assets per employee ($millions) | 4.1054% | 3,730 |
| Cash dividends to net income (ytd only)* | 111.3019% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 2,267 |
| Loan loss allowance to noncurrent loans | 902.5641% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 5,087 |
| Noncurrent loans to loans | 0.1558% | 4,813 |
| Net loans and leases to total assets | 66.7853% | 2,970 |
| Net loans and leases to deposits | 78.9762% | 3,059 |
| Net loans and leases to core deposits | 83.9737% | 3,085 |
| Total domestic deposits to total assets | 84.5639% | 3,068 |
| Equity capital to assets | 10.7973% | 3,286 |
| Core capital (leverage) ratio | 10.2206% | 3,308 |
| Tier 1 risk-based capital ratio | 15.4588% | 2,876 |
| Total risk-based capital ratio | 16.7103% | 2,811 |
| Memoranda: | ||
| Average total assets | $75,475,000 | 4,899 |
| Average earning assets | $70,389,330 | 4,871 |
| Average equity | $8,059,670 | 5,010 |
| Average total loans | $48,668,000 | 4,692 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 1,939 |
| Cost of funding earning assets | 0.3435% | 3,674 |
| Net interest margin | 4.0148% | 1,569 |
| Noninterest income to average assets | 0.6661% | 2,186 |
| Noninterest expense to average assets | 2.6644% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7361% | 528 |
| Return on assets (ROA) | 1.7361% | 564 |
| Pretax return on assets | 1.7413% | 965 |
| Return on Equity (ROE) | 16.3457% | 499 |
| Retained earnings to average equity (ytd only) | 10.0247% | 841 |
| Net charge-offs to loans | -0.0250% | 4,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4762% | 4,685 |
| Assets per employee ($millions) | 4.1179% | 3,730 |
| Cash dividends to net income (ytd only)* | 38.6707% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4471% | 2,214 |
| Loan loss allowance to noncurrent loans | 542.6357% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.3049% | 4,351 |
| Noncurrent loans to loans | 0.2667% | 4,482 |
| Net loans and leases to total assets | 64.3147% | 3,206 |
| Net loans and leases to deposits | 73.9514% | 3,442 |
| Net loans and leases to core deposits | 78.7967% | 3,422 |
| Total domestic deposits to total assets | 86.9690% | 2,227 |
| Equity capital to assets | 11.0829% | 2,845 |
| Core capital (leverage) ratio | 10.6302% | 2,820 |
| Tier 1 risk-based capital ratio | 16.0755% | 2,643 |
| Total risk-based capital ratio | 17.3275% | 2,596 |
| Memoranda: | ||
| Average total assets | $76,263,500 | 4,935 |
| Average earning assets | $71,037,000 | 4,899 |
| Average equity | $8,100,000 | 5,041 |
| Average total loans | $47,973,500 | 4,738 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 1,331 |
| Cost of funding earning assets | 0.3443% | 3,751 |
| Net interest margin | 4.2558% | 1,055 |
| Noninterest income to average assets | 0.7588% | 1,942 |
| Noninterest expense to average assets | 2.9291% | 2,768 |
| Loan and lease loss provision to assets | 0.0134% | 4,141 |
| Net operating income to assets | 1.7266% | 547 |
| Return on assets (ROA) | 1.7266% | 572 |
| Pretax return on assets | 1.7266% | 939 |
| Return on Equity (ROE) | 16.4672% | 511 |
| Retained earnings to average equity (ytd only) | 2.5570% | 4,246 |
| Net charge-offs to loans | -0.0210% | 5,282 |
| Credit loss provision to net charge-offs | -100.0000% | 5,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7333% | 4,490 |
| Assets per employee ($millions) | 4.3558% | 3,296 |
| Cash dividends to net income (ytd only)* | 84.4720% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 2,157 |
| Loan loss allowance to noncurrent loans | 590.6780% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.2742% | 4,492 |
| Noncurrent loans to loans | 0.2480% | 4,540 |
| Net loans and leases to total assets | 59.7903% | 3,868 |
| Net loans and leases to deposits | 68.9291% | 4,034 |
| Net loans and leases to core deposits | 74.0569% | 3,936 |
| Total domestic deposits to total assets | 86.7417% | 2,253 |
| Equity capital to assets | 10.1844% | 3,768 |
| Core capital (leverage) ratio | 10.0629% | 3,419 |
| Tier 1 risk-based capital ratio | 15.4542% | 2,951 |
| Total risk-based capital ratio | 16.7046% | 2,893 |
| Memoranda: | ||
| Average total assets | $74,596,000 | 4,978 |
| Average earning assets | $68,541,600 | 4,967 |
| Average equity | $7,821,600 | 5,093 |
| Average total loans | $47,519,000 | 4,741 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6365% | 1,241 |
| Cost of funding earning assets | 0.3437% | 3,825 |
| Net interest margin | 4.2927% | 969 |
| Noninterest income to average assets | 0.7568% | 1,997 |
| Noninterest expense to average assets | 2.7845% | 3,256 |
| Loan and lease loss provision to assets | 0.0181% | 3,919 |
| Net operating income to assets | 1.8883% | 438 |
| Return on assets (ROA) | 1.8883% | 456 |
| Pretax return on assets | 1.8883% | 745 |
| Return on Equity (ROE) | 17.8727% | 408 |
| Retained earnings to average equity (ytd only) | 2.5190% | 4,618 |
| Net charge-offs to loans | 0.0674% | 2,605 |
| Credit loss provision to net charge-offs | 41.6667% | 3,144 |
| Earnings coverage of net charge-offs (x) | 43.8738% | 1,149 |
| Efficiency ratio | 59.3593% | 4,963 |
| Assets per employee ($millions) | 4.1308% | 3,652 |
| Cash dividends to net income (ytd only)* | 85.9064% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 3,044 |
| Loan loss allowance to noncurrent loans | 663.0000% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.2649% | 4,708 |
| Noncurrent loans to loans | 0.1974% | 4,855 |
| Net loans and leases to total assets | 67.2378% | 2,812 |
| Net loans and leases to deposits | 78.1608% | 3,086 |
| Net loans and leases to core deposits | 84.3724% | 3,001 |
| Total domestic deposits to total assets | 86.0250% | 2,512 |
| Equity capital to assets | 10.7055% | 3,351 |
| Core capital (leverage) ratio | 10.4485% | 3,104 |
| Tier 1 risk-based capital ratio | 14.8886% | 3,350 |
| Total risk-based capital ratio | 16.1379% | 3,300 |
| Memoranda: | ||
| Average total assets | $73,644,000 | 5,060 |
| Average earning assets | $67,492,250 | 5,057 |
| Average equity | $7,780,750 | 5,164 |
| Average total loans | $47,505,000 | 4,795 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5662% | 1,359 |
| Cost of funding earning assets | 0.3434% | 3,882 |
| Net interest margin | 4.2228% | 1,062 |
| Noninterest income to average assets | 0.7520% | 1,983 |
| Noninterest expense to average assets | 2.7681% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.8363% | 474 |
| Return on assets (ROA) | 1.8363% | 500 |
| Pretax return on assets | 1.8363% | 836 |
| Return on Equity (ROE) | 17.4589% | 452 |
| Retained earnings to average equity (ytd only) | -2.1759% | 5,848 |
| Net charge-offs to loans | 0.0732% | 2,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 39.6471% | 1,139 |
| Efficiency ratio | 60.1183% | 4,959 |
| Assets per employee ($millions) | 4.0613% | 3,761 |
| Cash dividends to net income (ytd only)* | 112.4629% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 3,076 |
| Loan loss allowance to noncurrent loans | 440.0000% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 4,522 |
| Noncurrent loans to loans | 0.3023% | 4,605 |
| Net loans and leases to total assets | 66.9836% | 2,792 |
| Net loans and leases to deposits | 76.5050% | 3,209 |
| Net loans and leases to core deposits | 78.1883% | 3,557 |
| Total domestic deposits to total assets | 87.5545% | 1,876 |
| Equity capital to assets | 10.5071% | 3,429 |
| Core capital (leverage) ratio | 10.3661% | 3,125 |
| Tier 1 risk-based capital ratio | 13.9847% | 3,938 |
| Total risk-based capital ratio | 15.2014% | 3,895 |
| Memoranda: | ||
| Average total assets | $73,407,330 | 5,117 |
| Average earning assets | $66,970,000 | 5,134 |
| Average equity | $7,721,000 | 5,217 |
| Average total loans | $46,454,330 | 4,873 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4095% | 1,732 |
| Cost of funding earning assets | 0.3614% | 3,738 |
| Net interest margin | 4.0481% | 1,416 |
| Noninterest income to average assets | 0.7722% | 1,821 |
| Noninterest expense to average assets | 2.7624% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6640% | 642 |
| Return on assets (ROA) | 1.6640% | 673 |
| Pretax return on assets | 1.6640% | 1,130 |
| Return on Equity (ROE) | 15.8119% | 594 |
| Retained earnings to average equity (ytd only) | -12.6082% | 6,187 |
| Net charge-offs to loans | 0.1694% | 1,260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 16.1053% | 1,591 |
| Efficiency ratio | 62.4079% | 4,729 |
| Assets per employee ($millions) | 4.0701% | 3,826 |
| Cash dividends to net income (ytd only)* | 179.7386% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4277% | 2,799 |
| Loan loss allowance to noncurrent loans | 502.2901% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 4,740 |
| Noncurrent loans to loans | 0.2842% | 4,755 |
| Net loans and leases to total assets | 62.0125% | 3,363 |
| Net loans and leases to deposits | 69.6442% | 3,789 |
| Net loans and leases to core deposits | 71.1471% | 4,045 |
| Total domestic deposits to total assets | 89.0419% | 1,237 |
| Equity capital to assets | 10.4025% | 3,644 |
| Core capital (leverage) ratio | 10.3670% | 3,142 |
| Tier 1 risk-based capital ratio | 15.8099% | 3,010 |
| Total risk-based capital ratio | 17.0615% | 2,945 |
| Memoranda: | ||
| Average total assets | $73,559,500 | 5,163 |
| Average earning assets | $66,401,500 | 5,185 |
| Average equity | $7,741,000 | 5,255 |
| Average total loans | $44,868,000 | 4,952 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7324% | 1,232 |
| Cost of funding earning assets | 0.4514% | 3,156 |
| Net interest margin | 4.2810% | 1,090 |
| Noninterest income to average assets | 0.6998% | 2,303 |
| Noninterest expense to average assets | 2.9343% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6181% | 685 |
| Return on assets (ROA) | 1.6181% | 717 |
| Pretax return on assets | 1.6181% | 1,186 |
| Return on Equity (ROE) | 14.9555% | 787 |
| Retained earnings to average equity (ytd only) | 1.8260% | 4,893 |
| Net charge-offs to loans | -0.0523% | 5,942 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4560% | 4,519 |
| Assets per employee ($millions) | 4.1032% | 3,717 |
| Cash dividends to net income (ytd only)* | 87.7902% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5511% | 2,250 |
| Loan loss allowance to noncurrent loans | 1,410.4167% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 5,242 |
| Noncurrent loans to loans | 0.1100% | 5,452 |
| Net loans and leases to total assets | 58.1792% | 4,026 |
| Net loans and leases to deposits | 66.5345% | 4,264 |
| Net loans and leases to core deposits | 67.9798% | 4,506 |
| Total domestic deposits to total assets | 87.4421% | 2,064 |
| Equity capital to assets | 10.6434% | 3,307 |
| Core capital (leverage) ratio | 10.2865% | 3,191 |
| Tier 1 risk-based capital ratio | 14.8528% | 3,569 |
| Total risk-based capital ratio | 16.1038% | 3,505 |
| Memoranda: | ||
| Average total assets | $71,875,200 | 5,235 |
| Average earning assets | $64,681,600 | 5,262 |
| Average equity | $7,776,400 | 5,251 |
| Average total loans | $43,960,200 | 5,036 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 1,185 |
| Cost of funding earning assets | 0.4674% | 3,078 |
| Net interest margin | 4.2854% | 1,080 |
| Noninterest income to average assets | 0.7005% | 2,324 |
| Noninterest expense to average assets | 2.6674% | 3,953 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.8866% | 431 |
| Return on assets (ROA) | 1.8866% | 445 |
| Pretax return on assets | 1.8866% | 740 |
| Return on Equity (ROE) | 17.3641% | 511 |
| Retained earnings to average equity (ytd only) | 0.4471% | 5,680 |
| Net charge-offs to loans | -0.0817% | 6,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5726% | 5,370 |
| Assets per employee ($millions) | 3.8850% | 4,114 |
| Cash dividends to net income (ytd only)* | 97.4262% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 2,563 |
| Loan loss allowance to noncurrent loans | 741.3043% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.2088% | 5,388 |
| Noncurrent loans to loans | 0.2070% | 5,282 |
| Net loans and leases to total assets | 62.5769% | 3,396 |
| Net loans and leases to deposits | 70.9077% | 3,811 |
| Net loans and leases to core deposits | 72.5212% | 4,100 |
| Total domestic deposits to total assets | 88.2511% | 1,632 |
| Equity capital to assets | 11.1454% | 2,822 |
| Core capital (leverage) ratio | 10.4528% | 3,099 |
| Tier 1 risk-based capital ratio | 14.7315% | 3,746 |
| Total risk-based capital ratio | 15.9815% | 3,685 |
| Memoranda: | ||
| Average total assets | $71,379,500 | 5,303 |
| Average earning assets | $64,186,000 | 5,326 |
| Average equity | $7,755,250 | 5,302 |
| Average total loans | $44,038,500 | 5,090 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7489% | 1,180 |
| Cost of funding earning assets | 0.4752% | 3,065 |
| Net interest margin | 4.2737% | 1,083 |
| Noninterest income to average assets | 0.6986% | 2,286 |
| Noninterest expense to average assets | 2.6690% | 3,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.8591% | 440 |
| Return on assets (ROA) | 1.8591% | 453 |
| Pretax return on assets | 1.8591% | 745 |
| Return on Equity (ROE) | 17.2558% | 526 |
| Retained earnings to average equity (ytd only) | -5.0631% | 6,240 |
| Net charge-offs to loans | -0.1412% | 6,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9428% | 5,439 |
| Assets per employee ($millions) | 4.0840% | 3,675 |
| Cash dividends to net income (ytd only)* | 129.3413% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5569% | 2,638 |
| Loan loss allowance to noncurrent loans | 209.4801% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 4,447 |
| Noncurrent loans to loans | 0.7432% | 3,841 |
| Net loans and leases to total assets | 58.9183% | 3,875 |
| Net loans and leases to deposits | 69.2660% | 3,913 |
| Net loans and leases to core deposits | 70.8152% | 4,170 |
| Total domestic deposits to total assets | 85.0609% | 3,474 |
| Equity capital to assets | 10.2963% | 3,700 |
| Core capital (leverage) ratio | 10.0308% | 3,570 |
| Tier 1 risk-based capital ratio | 14.2019% | 4,128 |
| Total risk-based capital ratio | 15.4532% | 4,060 |
| Memoranda: | ||
| Average total assets | $71,862,670 | 5,337 |
| Average earning assets | $64,394,330 | 5,374 |
| Average equity | $7,742,330 | 5,329 |
| Average total loans | $43,904,000 | 5,130 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7694% | 1,105 |
| Cost of funding earning assets | 0.4921% | 2,992 |
| Net interest margin | 4.2773% | 1,047 |
| Noninterest income to average assets | 0.6757% | 2,318 |
| Noninterest expense to average assets | 2.6127% | 4,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.8807% | 412 |
| Return on assets (ROA) | 1.8807% | 433 |
| Pretax return on assets | 1.8807% | 679 |
| Return on Equity (ROE) | 17.0648% | 528 |
| Retained earnings to average equity (ytd only) | 12.2621% | 578 |
| Net charge-offs to loans | -0.1368% | 6,257 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1454% | 5,630 |
| Assets per employee ($millions) | 3.9506% | 4,043 |
| Cash dividends to net income (ytd only)* | 28.1437% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5109% | 3,099 |
| Loan loss allowance to noncurrent loans | 434.4156% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 5,181 |
| Noncurrent loans to loans | 0.3478% | 5,071 |
| Net loans and leases to total assets | 61.3275% | 3,343 |
| Net loans and leases to deposits | 69.4925% | 3,661 |
| Net loans and leases to core deposits | 71.3316% | 3,948 |
| Total domestic deposits to total assets | 88.2506% | 2,079 |
| Equity capital to assets | 11.1770% | 2,551 |
| Core capital (leverage) ratio | 10.9244% | 2,462 |
| Tier 1 risk-based capital ratio | 15.1238% | 3,641 |
| Total risk-based capital ratio | 16.3739% | 3,597 |
| Memoranda: | ||
| Average total assets | $71,038,000 | 5,407 |
| Average earning assets | $63,404,500 | 5,460 |
| Average equity | $7,829,000 | 5,337 |
| Average total loans | $43,857,500 | 5,170 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9857% | 942 |
| Cost of funding earning assets | 0.5298% | 3,287 |
| Net interest margin | 4.4559% | 810 |
| Noninterest income to average assets | 0.6826% | 2,639 |
| Noninterest expense to average assets | 3.0384% | 2,936 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.6762% | 605 |
| Return on assets (ROA) | 1.6762% | 618 |
| Pretax return on assets | 1.6776% | 990 |
| Return on Equity (ROE) | 15.4205% | 696 |
| Retained earnings to average equity (ytd only) | 5.0077% | 2,590 |
| Net charge-offs to loans | 0.2784% | 2,309 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 9.7083% | 2,469 |
| Efficiency ratio | 64.4275% | 4,832 |
| Assets per employee ($millions) | 3.7351% | 4,399 |
| Cash dividends to net income (ytd only)* | 67.5258% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 3,150 |
| Loan loss allowance to noncurrent loans | 398.7805% | 1,164 |
| Noncurrent assets plus other real estate owned to assets | 0.3382% | 5,253 |
| Noncurrent loans to loans | 0.3776% | 5,059 |
| Net loans and leases to total assets | 60.2852% | 3,664 |
| Net loans and leases to deposits | 68.0548% | 4,050 |
| Net loans and leases to core deposits | 69.5642% | 4,329 |
| Total domestic deposits to total assets | 88.5833% | 1,866 |
| Equity capital to assets | 10.8644% | 2,745 |
| Core capital (leverage) ratio | 10.6093% | 2,773 |
| Tier 1 risk-based capital ratio | 14.7369% | 3,819 |
| Total risk-based capital ratio | 15.9879% | 3,757 |
| Memoranda: | ||
| Average total assets | $69,443,800 | 5,498 |
| Average earning assets | $62,859,800 | 5,510 |
| Average equity | $7,548,400 | 5,450 |
| Average total loans | $43,106,000 | 5,230 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9662% | 1,003 |
| Cost of funding earning assets | 0.5341% | 3,428 |
| Net interest margin | 4.4321% | 839 |
| Noninterest income to average assets | 0.7240% | 2,489 |
| Noninterest expense to average assets | 2.9074% | 3,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.8514% | 478 |
| Return on assets (ROA) | 1.8514% | 492 |
| Pretax return on assets | 1.8533% | 792 |
| Return on Equity (ROE) | 17.0302% | 535 |
| Retained earnings to average equity (ytd only) | 3.3741% | 4,283 |
| Net charge-offs to loans | 0.1828% | 2,767 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 16.2722% | 1,815 |
| Efficiency ratio | 61.0706% | 5,273 |
| Assets per employee ($millions) | 3.6391% | 4,581 |
| Cash dividends to net income (ytd only)* | 80.1882% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6074% | 2,970 |
| Loan loss allowance to noncurrent loans | 461.2903% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 5,709 |
| Noncurrent loans to loans | 0.3485% | 5,337 |
| Net loans and leases to total assets | 63.3002% | 3,111 |
| Net loans and leases to deposits | 71.4832% | 3,574 |
| Net loans and leases to core deposits | 73.1119% | 3,959 |
| Total domestic deposits to total assets | 88.5525% | 1,815 |
| Equity capital to assets | 10.8530% | 2,913 |
| Core capital (leverage) ratio | 10.6086% | 2,881 |
| Tier 1 risk-based capital ratio | 14.3340% | 4,195 |
| Total risk-based capital ratio | 15.5858% | 4,138 |
| Memoranda: | ||
| Average total assets | $69,063,250 | 5,564 |
| Average earning assets | $62,903,750 | 5,566 |
| Average equity | $7,508,000 | 5,519 |
| Average total loans | $43,023,500 | 5,276 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9597% | 980 |
| Cost of funding earning assets | 0.5482% | 3,435 |
| Net interest margin | 4.4115% | 828 |
| Noninterest income to average assets | 0.7503% | 2,413 |
| Noninterest expense to average assets | 2.8767% | 3,418 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.8830% | 437 |
| Return on assets (ROA) | 1.8830% | 472 |
| Pretax return on assets | 1.8830% | 770 |
| Return on Equity (ROE) | 17.3118% | 527 |
| Retained earnings to average equity (ytd only) | -0.2397% | 5,905 |
| Net charge-offs to loans | 0.2492% | 2,237 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 12.2642% | 1,990 |
| Efficiency ratio | 60.4382% | 5,410 |
| Assets per employee ($millions) | 3.5260% | 4,802 |
| Cash dividends to net income (ytd only)* | 101.3846% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 2,885 |
| Loan loss allowance to noncurrent loans | 504.1958% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2343% | 5,783 |
| Noncurrent loans to loans | 0.3320% | 5,466 |
| Net loans and leases to total assets | 63.2251% | 3,059 |
| Net loans and leases to deposits | 71.9171% | 3,456 |
| Net loans and leases to core deposits | 72.6685% | 3,964 |
| Total domestic deposits to total assets | 87.9138% | 2,307 |
| Equity capital to assets | 10.7786% | 2,967 |
| Core capital (leverage) ratio | 10.3901% | 2,997 |
| Tier 1 risk-based capital ratio | 14.3780% | 4,175 |
| Total risk-based capital ratio | 15.6304% | 4,130 |
| Memoranda: | ||
| Average total assets | $69,037,000 | 5,604 |
| Average earning assets | $62,745,330 | 5,600 |
| Average equity | $7,509,330 | 5,560 |
| Average total loans | $42,537,330 | 5,315 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9076% | 1,060 |
| Cost of funding earning assets | 0.5607% | 3,468 |
| Net interest margin | 4.3469% | 884 |
| Noninterest income to average assets | 0.7308% | 2,425 |
| Noninterest expense to average assets | 2.7291% | 3,948 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.9412% | 379 |
| Return on assets (ROA) | 1.9412% | 412 |
| Pretax return on assets | 1.9412% | 674 |
| Return on Equity (ROE) | 17.7696% | 453 |
| Retained earnings to average equity (ytd only) | 13.0659% | 552 |
| Net charge-offs to loans | 0.4826% | 1,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,185 |
| Efficiency ratio | 58.4352% | 5,795 |
| Assets per employee ($millions) | 3.5938% | 4,794 |
| Cash dividends to net income (ytd only)* | 26.4706% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6986% | 3,013 |
| Loan loss allowance to noncurrent loans | 745.3608% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 6,086 |
| Noncurrent loans to loans | 0.2279% | 5,845 |
| Net loans and leases to total assets | 61.2773% | 3,212 |
| Net loans and leases to deposits | 69.6172% | 3,555 |
| Net loans and leases to core deposits | 70.7472% | 3,976 |
| Total domestic deposits to total assets | 88.0204% | 2,295 |
| Equity capital to assets | 11.3791% | 2,551 |
| Core capital (leverage) ratio | 10.3759% | 2,935 |
| Tier 1 risk-based capital ratio | 15.0854% | 3,780 |
| Total risk-based capital ratio | 16.3391% | 3,735 |
| Memoranda: | ||
| Average total assets | $70,058,500 | 5,622 |
| Average earning assets | $63,494,000 | 5,632 |
| Average equity | $7,653,500 | 5,596 |
| Average total loans | $42,267,000 | 5,364 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4312% | 717 |
| Cost of funding earning assets | 0.6994% | 3,499 |
| Net interest margin | 4.7319% | 613 |
| Noninterest income to average assets | 0.6912% | 2,768 |
| Noninterest expense to average assets | 3.1589% | 2,737 |
| Loan and lease loss provision to assets | 0.3740% | 1,750 |
| Net operating income to assets | 1.4492% | 1,008 |
| Return on assets (ROA) | 1.4492% | 1,124 |
| Pretax return on assets | 1.4507% | 1,846 |
| Return on Equity (ROE) | 13.0681% | 1,209 |
| Retained earnings to average equity (ytd only) | -1.0234% | 6,018 |
| Net charge-offs to loans | 0.0885% | 4,793 |
| Credit loss provision to net charge-offs | 658.9744% | 375 |
| Earnings coverage of net charge-offs (x) | 32.1538% | 959 |
| Efficiency ratio | 63.3869% | 4,998 |
| Assets per employee ($millions) | 3.4207% | 5,169 |
| Cash dividends to net income (ytd only)* | 107.8313% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8442% | 2,452 |
| Loan loss allowance to noncurrent loans | 452.6316% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 5,956 |
| Noncurrent loans to loans | 0.4074% | 5,467 |
| Net loans and leases to total assets | 57.3475% | 4,075 |
| Net loans and leases to deposits | 64.5022% | 4,478 |
| Net loans and leases to core deposits | 65.4824% | 4,793 |
| Total domestic deposits to total assets | 88.9078% | 1,629 |
| Equity capital to assets | 10.4922% | 3,538 |
| Core capital (leverage) ratio | 9.7384% | 3,751 |
| Tier 1 risk-based capital ratio | 14.5163% | 4,024 |
| Total risk-based capital ratio | 15.7710% | 3,974 |
| Memoranda: | ||
| Average total assets | $68,725,600 | 5,660 |
| Average earning assets | $62,343,200 | 5,654 |
| Average equity | $7,621,600 | 5,609 |
| Average total loans | $44,079,200 | 5,326 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5260% | 647 |
| Cost of funding earning assets | 0.7326% | 3,493 |
| Net interest margin | 4.7934% | 570 |
| Noninterest income to average assets | 0.6436% | 3,023 |
| Noninterest expense to average assets | 2.9061% | 3,575 |
| Loan and lease loss provision to assets | 0.5043% | 1,213 |
| Net operating income to assets | 1.5835% | 879 |
| Return on assets (ROA) | 1.5835% | 982 |
| Pretax return on assets | 1.5855% | 1,621 |
| Return on Equity (ROE) | 14.0783% | 1,094 |
| Retained earnings to average equity (ytd only) | -3.9601% | 6,546 |
| Net charge-offs to loans | 0.1136% | 4,250 |
| Credit loss provision to net charge-offs | 676.3158% | 398 |
| Earnings coverage of net charge-offs (x) | 28.0237% | 1,159 |
| Efficiency ratio | 58.1697% | 5,766 |
| Assets per employee ($millions) | 3.3150% | 5,408 |
| Cash dividends to net income (ytd only)* | 128.1290% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7213% | 3,073 |
| Loan loss allowance to noncurrent loans | 798.9691% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.1393% | 6,366 |
| Noncurrent loans to loans | 0.2154% | 6,070 |
| Net loans and leases to total assets | 63.5648% | 3,100 |
| Net loans and leases to deposits | 71.9817% | 3,614 |
| Net loans and leases to core deposits | 73.1163% | 4,098 |
| Total domestic deposits to total assets | 88.3069% | 1,845 |
| Equity capital to assets | 10.7148% | 3,595 |
| Core capital (leverage) ratio | 10.1071% | 3,401 |
| Tier 1 risk-based capital ratio | 13.5905% | 4,828 |
| Total risk-based capital ratio | 14.8445% | 4,778 |
| Memoranda: | ||
| Average total assets | $67,948,500 | 5,746 |
| Average earning assets | $61,695,000 | 5,747 |
| Average equity | $7,642,750 | 5,662 |
| Average total loans | $44,606,750 | 5,369 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 619 |
| Cost of funding earning assets | 0.7567% | 3,548 |
| Net interest margin | 4.8107% | 549 |
| Noninterest income to average assets | 0.6410% | 2,998 |
| Noninterest expense to average assets | 2.9291% | 3,511 |
| Loan and lease loss provision to assets | 0.0208% | 5,403 |
| Net operating income to assets | 2.0655% | 353 |
| Return on assets (ROA) | 2.0655% | 395 |
| Pretax return on assets | 2.0685% | 612 |
| Return on Equity (ROE) | 18.0685% | 497 |
| Retained earnings to average equity (ytd only) | -5.8671% | 6,664 |
| Net charge-offs to loans | 0.0315% | 4,938 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 100.5714% | 426 |
| Efficiency ratio | 58.3678% | 5,821 |
| Assets per employee ($millions) | 3.5303% | 4,917 |
| Cash dividends to net income (ytd only)* | 132.4713% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2127% | 5,297 |
| Loan loss allowance to noncurrent loans | 448.3871% | 812 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 6,326 |
| Noncurrent loans to loans | 0.2705% | 6,040 |
| Net loans and leases to total assets | 67.5219% | 2,365 |
| Net loans and leases to deposits | 77.8959% | 2,687 |
| Net loans and leases to core deposits | 79.8783% | 3,239 |
| Total domestic deposits to total assets | 86.6823% | 2,963 |
| Equity capital to assets | 11.1262% | 2,989 |
| Core capital (leverage) ratio | 9.9474% | 3,491 |
| Tier 1 risk-based capital ratio | 13.7068% | 4,656 |
| Total risk-based capital ratio | 14.7952% | 4,753 |
| Memoranda: | ||
| Average total assets | $67,393,330 | 5,799 |
| Average earning assets | $61,322,000 | 5,789 |
| Average equity | $7,704,000 | 5,653 |
| Average total loans | $44,467,330 | 5,406 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6468% | 577 |
| Cost of funding earning assets | 0.7907% | 3,543 |
| Net interest margin | 4.8562% | 501 |
| Noninterest income to average assets | 0.7994% | 2,170 |
| Noninterest expense to average assets | 2.8778% | 3,717 |
| Loan and lease loss provision to assets | 0.0414% | 4,872 |
| Net operating income to assets | 2.2442% | 263 |
| Return on assets (ROA) | 2.2442% | 317 |
| Pretax return on assets | 2.2442% | 500 |
| Return on Equity (ROE) | 19.3750% | 423 |
| Retained earnings to average equity (ytd only) | 13.6494% | 606 |
| Net charge-offs to loans | 0.3198% | 2,368 |
| Credit loss provision to net charge-offs | 20.0000% | 3,774 |
| Earnings coverage of net charge-offs (x) | 11.0286% | 1,707 |
| Efficiency ratio | 55.7339% | 6,152 |
| Assets per employee ($millions) | 3.5321% | 5,045 |
| Cash dividends to net income (ytd only)* | 29.5515% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1911% | 5,530 |
| Loan loss allowance to noncurrent loans | 336.3057% | 985 |
| Noncurrent assets plus other real estate owned to assets | 0.5782% | 5,445 |
| Noncurrent loans to loans | 0.3542% | 5,966 |
| Net loans and leases to total assets | 65.2645% | 2,606 |
| Net loans and leases to deposits | 74.9534% | 2,978 |
| Net loans and leases to core deposits | 76.8390% | 3,495 |
| Total domestic deposits to total assets | 87.0735% | 2,918 |
| Equity capital to assets | 11.7970% | 2,189 |
| Core capital (leverage) ratio | 11.0406% | 2,229 |
| Tier 1 risk-based capital ratio | 15.0565% | 3,721 |
| Total risk-based capital ratio | 16.1172% | 3,812 |
| Memoranda: | ||
| Average total assets | $67,552,000 | 5,845 |
| Average earning assets | $60,706,500 | 5,847 |
| Average equity | $7,824,500 | 5,648 |
| Average total loans | $43,777,500 | 5,477 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9286% | 489 |
| Cost of funding earning assets | 0.9135% | 4,023 |
| Net interest margin | 5.0151% | 409 |
| Noninterest income to average assets | 0.8881% | 1,717 |
| Noninterest expense to average assets | 3.2382% | 2,737 |
| Loan and lease loss provision to assets | 0.2462% | 3,748 |
| Net operating income to assets | 1.8879% | 390 |
| Return on assets (ROA) | 1.8879% | 421 |
| Pretax return on assets | 1.8895% | 680 |
| Return on Equity (ROE) | 17.1911% | 455 |
| Retained earnings to average equity (ytd only) | 5.8037% | 2,123 |
| Net charge-offs to loans | 0.4166% | 3,341 |
| Credit loss provision to net charge-offs | 88.5870% | 4,077 |
| Earnings coverage of net charge-offs (x) | 7.6848% | 2,289 |
| Efficiency ratio | 60.2586% | 5,712 |
| Assets per employee ($millions) | 3.5786% | 4,834 |
| Cash dividends to net income (ytd only)* | 66.2400% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 4,987 |
| Loan loss allowance to noncurrent loans | 496.4286% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.5045% | 5,706 |
| Noncurrent loans to loans | 0.2591% | 6,207 |
| Net loans and leases to total assets | 62.7585% | 3,455 |
| Net loans and leases to deposits | 71.7116% | 3,844 |
| Net loans and leases to core deposits | 72.7471% | 4,409 |
| Total domestic deposits to total assets | 87.5151% | 2,457 |
| Equity capital to assets | 11.3716% | 2,618 |
| Core capital (leverage) ratio | 10.6767% | 2,548 |
| Tier 1 risk-based capital ratio | 14.7174% | 3,823 |
| Total risk-based capital ratio | 15.8495% | 3,884 |
| Memoranda: | ||
| Average total assets | $66,209,600 | 5,860 |
| Average earning assets | $59,221,600 | 5,889 |
| Average equity | $7,271,200 | 5,787 |
| Average total loans | $44,165,600 | 5,509 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9863% | 477 |
| Cost of funding earning assets | 0.9381% | 4,130 |
| Net interest margin | 5.0482% | 376 |
| Noninterest income to average assets | 0.8860% | 1,698 |
| Noninterest expense to average assets | 3.0168% | 3,497 |
| Loan and lease loss provision to assets | 0.2291% | 3,723 |
| Net operating income to assets | 2.1551% | 269 |
| Return on assets (ROA) | 2.1551% | 286 |
| Pretax return on assets | 2.1572% | 467 |
| Return on Equity (ROE) | 19.8058% | 327 |
| Retained earnings to average equity (ytd only) | 4.9374% | 3,216 |
| Net charge-offs to loans | 0.3063% | 3,559 |
| Credit loss provision to net charge-offs | 110.7843% | 2,972 |
| Earnings coverage of net charge-offs (x) | 11.5389% | 1,799 |
| Efficiency ratio | 55.8349% | 6,303 |
| Assets per employee ($millions) | 3.4899% | 5,029 |
| Cash dividends to net income (ytd only)* | 75.0702% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 4,737 |
| Loan loss allowance to noncurrent loans | 294.0000% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.6515% | 5,510 |
| Noncurrent loans to loans | 0.4620% | 5,922 |
| Net loans and leases to total assets | 64.3985% | 3,231 |
| Net loans and leases to deposits | 73.5886% | 3,709 |
| Net loans and leases to core deposits | 75.6631% | 4,232 |
| Total domestic deposits to total assets | 87.5115% | 2,342 |
| Equity capital to assets | 11.2730% | 2,889 |
| Core capital (leverage) ratio | 10.5777% | 2,783 |
| Tier 1 risk-based capital ratio | 14.5785% | 3,924 |
| Total risk-based capital ratio | 15.7908% | 3,923 |
| Memoranda: | ||
| Average total assets | $65,763,500 | 5,922 |
| Average earning assets | $58,844,000 | 5,944 |
| Average equity | $7,156,000 | 5,858 |
| Average total loans | $44,400,000 | 5,541 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0106% | 471 |
| Cost of funding earning assets | 0.9519% | 4,307 |
| Net interest margin | 5.0587% | 358 |
| Noninterest income to average assets | 0.7228% | 2,423 |
| Noninterest expense to average assets | 3.0588% | 3,393 |
| Loan and lease loss provision to assets | 0.2440% | 3,464 |
| Net operating income to assets | 1.9548% | 368 |
| Return on assets (ROA) | 1.9548% | 387 |
| Pretax return on assets | 1.9579% | 636 |
| Return on Equity (ROE) | 18.1852% | 455 |
| Retained earnings to average equity (ytd only) | -0.1986% | 5,878 |
| Net charge-offs to loans | 0.4914% | 2,630 |
| Credit loss provision to net charge-offs | 72.7273% | 3,994 |
| Earnings coverage of net charge-offs (x) | 6.5636% | 2,373 |
| Efficiency ratio | 58.1449% | 6,141 |
| Assets per employee ($millions) | 3.4903% | 4,967 |
| Cash dividends to net income (ytd only)* | 101.0920% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2020% | 5,537 |
| Loan loss allowance to noncurrent loans | 98.2047% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 1.4280% | 4,073 |
| Noncurrent loans to loans | 1.2240% | 4,617 |
| Net loans and leases to total assets | 67.7961% | 2,662 |
| Net loans and leases to deposits | 76.9543% | 3,298 |
| Net loans and leases to core deposits | 79.1058% | 3,912 |
| Total domestic deposits to total assets | 88.0992% | 2,082 |
| Equity capital to assets | 10.7050% | 3,282 |
| Core capital (leverage) ratio | 10.3103% | 2,922 |
| Tier 1 risk-based capital ratio | 13.7256% | 4,361 |
| Total risk-based capital ratio | 14.8299% | 4,448 |
| Memoranda: | ||
| Average total assets | $65,581,670 | 5,970 |
| Average earning assets | $58,829,330 | 5,993 |
| Average equity | $7,049,670 | 5,907 |
| Average total loans | $44,770,000 | 5,576 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6373% | 994 |
| Cost of funding earning assets | 0.9682% | 4,439 |
| Net interest margin | 4.6691% | 751 |
| Noninterest income to average assets | 0.6870% | 2,642 |
| Noninterest expense to average assets | 3.0422% | 3,477 |
| Loan and lease loss provision to assets | 0.3435% | 2,504 |
| Net operating income to assets | 1.4721% | 928 |
| Return on assets (ROA) | 1.4721% | 969 |
| Pretax return on assets | 1.4721% | 1,526 |
| Return on Equity (ROE) | 13.6655% | 1,049 |
| Retained earnings to average equity (ytd only) | 9.3381% | 1,282 |
| Net charge-offs to loans | 0.8288% | 1,585 |
| Credit loss provision to net charge-offs | 60.8696% | 3,531 |
| Earnings coverage of net charge-offs (x) | 3.2174% | 2,814 |
| Efficiency ratio | 62.6263% | 5,579 |
| Assets per employee ($millions) | 3.4643% | 5,079 |
| Cash dividends to net income (ytd only)* | 31.6667% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 5,657 |
| Loan loss allowance to noncurrent loans | 44.3443% | 5,342 |
| Noncurrent assets plus other real estate owned to assets | 2.3974% | 2,841 |
| Noncurrent loans to loans | 2.6974% | 2,798 |
| Net loans and leases to total assets | 67.8932% | 2,571 |
| Net loans and leases to deposits | 77.2254% | 3,211 |
| Net loans and leases to core deposits | 78.9304% | 3,906 |
| Total domestic deposits to total assets | 87.9157% | 2,420 |
| Equity capital to assets | 10.8734% | 2,804 |
| Core capital (leverage) ratio | 10.7125% | 2,428 |
| Tier 1 risk-based capital ratio | 14.1053% | 4,001 |
| Total risk-based capital ratio | 15.2001% | 4,080 |
| Memoranda: | ||
| Average total assets | $65,215,000 | 6,021 |
| Average earning assets | $58,255,000 | 6,053 |
| Average equity | $7,025,000 | 5,921 |
| Average total loans | $44,402,000 | 5,639 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5004% | 321 |
| Cost of funding earning assets | 1.1876% | 4,637 |
| Net interest margin | 5.3128% | 238 |
| Noninterest income to average assets | 0.7808% | 2,374 |
| Noninterest expense to average assets | 3.4118% | 2,410 |
| Loan and lease loss provision to assets | 0.3187% | 4,261 |
| Net operating income to assets | 1.7609% | 453 |
| Return on assets (ROA) | 1.7609% | 498 |
| Pretax return on assets | 1.7625% | 818 |
| Return on Equity (ROE) | 15.8596% | 598 |
| Retained earnings to average equity (ytd only) | 3.7747% | 3,222 |
| Net charge-offs to loans | 0.4825% | 3,691 |
| Credit loss provision to net charge-offs | 91.3242% | 5,069 |
| Earnings coverage of net charge-offs (x) | 5.9635% | 2,477 |
| Efficiency ratio | 62.1120% | 5,710 |
| Assets per employee ($millions) | 3.4005% | 5,168 |
| Cash dividends to net income (ytd only)* | 76.1991% | 983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 4,877 |
| Loan loss allowance to noncurrent loans | 63.8981% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 2.1576% | 3,145 |
| Noncurrent loans to loans | 2.0723% | 3,460 |
| Net loans and leases to total assets | 66.5511% | 3,341 |
| Net loans and leases to deposits | 75.5358% | 3,913 |
| Net loans and leases to core deposits | 77.7049% | 4,490 |
| Total domestic deposits to total assets | 88.1054% | 2,187 |
| Equity capital to assets | 10.6688% | 2,997 |
| Core capital (leverage) ratio | 10.2271% | 2,835 |
| Tier 1 risk-based capital ratio | 14.0585% | 3,831 |
| Total risk-based capital ratio | 15.2504% | 3,838 |
| Memoranda: | ||
| Average total assets | $62,753,400 | 6,099 |
| Average earning assets | $55,658,000 | 6,146 |
| Average equity | $6,967,400 | 6,043 |
| Average total loans | $45,387,000 | 5,691 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5730% | 303 |
| Cost of funding earning assets | 1.2204% | 4,740 |
| Net interest margin | 5.3527% | 219 |
| Noninterest income to average assets | 0.7620% | 2,438 |
| Noninterest expense to average assets | 3.0695% | 3,483 |
| Loan and lease loss provision to assets | 0.2676% | 4,445 |
| Net operating income to assets | 2.1640% | 255 |
| Return on assets (ROA) | 2.1640% | 271 |
| Pretax return on assets | 2.1662% | 434 |
| Return on Equity (ROE) | 19.2953% | 364 |
| Retained earnings to average equity (ytd only) | 3.5690% | 3,939 |
| Net charge-offs to loans | 0.5119% | 3,240 |
| Credit loss provision to net charge-offs | 71.0227% | 5,387 |
| Earnings coverage of net charge-offs (x) | 6.4602% | 2,522 |
| Efficiency ratio | 55.7760% | 6,588 |
| Assets per employee ($millions) | 3.4639% | 5,070 |
| Cash dividends to net income (ytd only)* | 81.5033% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1925% | 5,537 |
| Loan loss allowance to noncurrent loans | 56.0700% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 2.3448% | 3,030 |
| Noncurrent loans to loans | 2.1269% | 3,543 |
| Net loans and leases to total assets | 72.4234% | 2,158 |
| Net loans and leases to deposits | 82.9418% | 2,918 |
| Net loans and leases to core deposits | 86.5107% | 3,582 |
| Total domestic deposits to total assets | 87.3184% | 2,363 |
| Equity capital to assets | 11.3007% | 2,704 |
| Core capital (leverage) ratio | 10.6898% | 2,518 |
| Tier 1 risk-based capital ratio | 14.3638% | 3,587 |
| Total risk-based capital ratio | 15.5270% | 3,605 |
| Memoranda: | ||
| Average total assets | $62,289,500 | 6,183 |
| Average earning assets | $55,173,500 | 6,231 |
| Average equity | $6,986,000 | 6,119 |
| Average total loans | $45,840,000 | 5,740 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6829% | 251 |
| Cost of funding earning assets | 1.2537% | 4,802 |
| Net interest margin | 5.4291% | 186 |
| Noninterest income to average assets | 0.7644% | 2,307 |
| Noninterest expense to average assets | 3.0063% | 3,692 |
| Loan and lease loss provision to assets | 0.3533% | 3,602 |
| Net operating income to assets | 2.2001% | 231 |
| Return on assets (ROA) | 2.2001% | 253 |
| Pretax return on assets | 2.2033% | 405 |
| Return on Equity (ROE) | 19.6670% | 348 |
| Retained earnings to average equity (ytd only) | 12.4892% | 434 |
| Net charge-offs to loans | 0.3095% | 3,769 |
| Credit loss provision to net charge-offs | 154.9296% | 2,540 |
| Earnings coverage of net charge-offs (x) | 11.2113% | 1,790 |
| Efficiency ratio | 54.0416% | 6,880 |
| Assets per employee ($millions) | 3.4352% | 5,086 |
| Cash dividends to net income (ytd only)* | 36.4964% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,449 |
| Loan loss allowance to noncurrent loans | 179.8867% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 1.1418% | 4,846 |
| Noncurrent loans to loans | 0.7763% | 5,719 |
| Net loans and leases to total assets | 72.5114% | 2,275 |
| Net loans and leases to deposits | 83.3832% | 2,997 |
| Net loans and leases to core deposits | 86.5944% | 3,749 |
| Total domestic deposits to total assets | 86.9617% | 2,547 |
| Equity capital to assets | 11.6152% | 2,343 |
| Core capital (leverage) ratio | 10.5828% | 2,556 |
| Tier 1 risk-based capital ratio | 14.3942% | 3,494 |
| Total risk-based capital ratio | 15.6442% | 3,468 |
| Memoranda: | ||
| Average total assets | $62,269,330 | 6,222 |
| Average earning assets | $55,036,330 | 6,278 |
| Average equity | $6,966,000 | 6,150 |
| Average total loans | $45,886,330 | 5,766 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7059% | 266 |
| Cost of funding earning assets | 1.2389% | 5,180 |
| Net interest margin | 5.4670% | 184 |
| Noninterest income to average assets | 0.8258% | 1,906 |
| Noninterest expense to average assets | 2.9638% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.7205% | 115 |
| Return on assets (ROA) | 2.7205% | 121 |
| Pretax return on assets | 2.7205% | 181 |
| Return on Equity (ROE) | 24.7886% | 170 |
| Retained earnings to average equity (ytd only) | 16.9146% | 290 |
| Net charge-offs to loans | 0.2083% | 3,669 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 17.7083% | 1,265 |
| Efficiency ratio | 52.1396% | 7,138 |
| Assets per employee ($millions) | 3.4411% | 5,172 |
| Cash dividends to net income (ytd only)* | 31.7647% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2323% | 5,320 |
| Loan loss allowance to noncurrent loans | 60.2524% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 1.9923% | 3,513 |
| Noncurrent loans to loans | 2.0452% | 3,723 |
| Net loans and leases to total assets | 74.1459% | 1,935 |
| Net loans and leases to deposits | 84.9538% | 2,778 |
| Net loans and leases to core deposits | 87.7740% | 3,646 |
| Total domestic deposits to total assets | 87.2780% | 2,479 |
| Equity capital to assets | 11.3077% | 2,497 |
| Core capital (leverage) ratio | 11.0942% | 2,165 |
| Tier 1 risk-based capital ratio | 13.9646% | 3,680 |
| Total risk-based capital ratio | 15.1356% | 3,700 |
| Memoranda: | ||
| Average total assets | $62,487,500 | 6,288 |
| Average earning assets | $55,533,500 | 6,343 |
| Average equity | $6,858,000 | 6,239 |
| Average total loans | $46,094,000 | 5,831 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9006% | 319 |
| Cost of funding earning assets | 1.6441% | 4,825 |
| Net interest margin | 5.2565% | 259 |
| Noninterest income to average assets | 0.8642% | 2,118 |
| Noninterest expense to average assets | 3.3526% | 2,824 |
| Loan and lease loss provision to assets | 0.5073% | 3,839 |
| Net operating income to assets | 1.6995% | 440 |
| Return on assets (ROA) | 1.6995% | 468 |
| Pretax return on assets | 1.7011% | 776 |
| Return on Equity (ROE) | 16.2014% | 535 |
| Retained earnings to average equity (ytd only) | 3.2647% | 2,874 |
| Net charge-offs to loans | 0.6319% | 3,313 |
| Credit loss provision to net charge-offs | 109.6886% | 5,018 |
| Earnings coverage of net charge-offs (x) | 4.7751% | 2,824 |
| Efficiency ratio | 60.2878% | 6,443 |
| Assets per employee ($millions) | 3.5019% | 4,998 |
| Cash dividends to net income (ytd only)* | 79.8493% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3045% | 4,731 |
| Loan loss allowance to noncurrent loans | 75.9236% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 1.3088% | 4,469 |
| Noncurrent loans to loans | 1.7181% | 4,062 |
| Net loans and leases to total assets | 71.5364% | 2,877 |
| Net loans and leases to deposits | 81.2677% | 3,744 |
| Net loans and leases to core deposits | 94.7232% | 4,599 |
| Total domestic deposits to total assets | 88.0257% | 1,965 |
| Equity capital to assets | 10.6481% | 3,024 |
| Core capital (leverage) ratio | 10.2946% | 2,790 |
| Tier 1 risk-based capital ratio | 13.6122% | 3,748 |
| Total risk-based capital ratio | 14.8523% | 3,696 |
| Memoranda: | ||
| Average total assets | $62,488,000 | 6,254 |
| Average earning assets | $55,835,400 | 6,301 |
| Average equity | $6,555,000 | 6,406 |
| Average total loans | $45,738,600 | 5,846 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9859% | 305 |
| Cost of funding earning assets | 1.7369% | 4,716 |
| Net interest margin | 5.2490% | 282 |
| Noninterest income to average assets | 0.8532% | 2,187 |
| Noninterest expense to average assets | 3.0343% | 3,904 |
| Loan and lease loss provision to assets | 0.4640% | 3,586 |
| Net operating income to assets | 2.0443% | 265 |
| Return on assets (ROA) | 2.0443% | 292 |
| Pretax return on assets | 2.0464% | 498 |
| Return on Equity (ROE) | 19.5623% | 337 |
| Retained earnings to average equity (ytd only) | 2.5170% | 3,918 |
| Net charge-offs to loans | 0.5275% | 3,101 |
| Credit loss provision to net charge-offs | 119.8895% | 4,238 |
| Earnings coverage of net charge-offs (x) | 6.4861% | 2,597 |
| Efficiency ratio | 54.7243% | 7,152 |
| Assets per employee ($millions) | 3.3246% | 5,327 |
| Cash dividends to net income (ytd only)* | 87.1343% | 790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,410 |
| Loan loss allowance to noncurrent loans | 86.0399% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 1.1731% | 4,725 |
| Noncurrent loans to loans | 1.5284% | 4,359 |
| Net loans and leases to total assets | 75.7415% | 2,047 |
| Net loans and leases to deposits | 86.6472% | 3,202 |
| Net loans and leases to core deposits | 101.6574% | 4,192 |
| Total domestic deposits to total assets | 87.4137% | 1,940 |
| Equity capital to assets | 11.1592% | 2,866 |
| Core capital (leverage) ratio | 10.3353% | 2,940 |
| Tier 1 risk-based capital ratio | 13.5238% | 3,832 |
| Total risk-based capital ratio | 14.7733% | 3,767 |
| Memoranda: | ||
| Average total assets | $62,351,250 | 6,302 |
| Average earning assets | $55,729,750 | 6,350 |
| Average equity | $6,515,750 | 6,478 |
| Average total loans | $45,751,000 | 5,896 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0499% | 290 |
| Cost of funding earning assets | 1.8063% | 4,725 |
| Net interest margin | 5.2436% | 274 |
| Noninterest income to average assets | 0.8356% | 2,242 |
| Noninterest expense to average assets | 3.0101% | 4,045 |
| Loan and lease loss provision to assets | 0.4653% | 3,195 |
| Net operating income to assets | 1.9972% | 298 |
| Return on assets (ROA) | 1.9972% | 330 |
| Pretax return on assets | 2.0004% | 573 |
| Return on Equity (ROE) | 19.5306% | 366 |
| Retained earnings to average equity (ytd only) | -3.1571% | 5,995 |
| Net charge-offs to loans | 0.3677% | 3,349 |
| Credit loss provision to net charge-offs | 175.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 9.2738% | 2,154 |
| Efficiency ratio | 54.9711% | 7,230 |
| Assets per employee ($millions) | 3.4569% | 4,932 |
| Cash dividends to net income (ytd only)* | 116.1648% | 549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3993% | 3,727 |
| Loan loss allowance to noncurrent loans | 112.2776% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.9193% | 5,134 |
| Noncurrent loans to loans | 1.2463% | 4,718 |
| Net loans and leases to total assets | 71.4564% | 3,359 |
| Net loans and leases to deposits | 83.2002% | 4,015 |
| Net loans and leases to core deposits | 100.1599% | 4,492 |
| Total domestic deposits to total assets | 85.8849% | 2,847 |
| Equity capital to assets | 10.1472% | 3,773 |
| Core capital (leverage) ratio | 9.6912% | 3,641 |
| Tier 1 risk-based capital ratio | 13.0235% | 4,133 |
| Total risk-based capital ratio | 14.2744% | 4,050 |
| Memoranda: | ||
| Average total assets | $63,187,330 | 6,323 |
| Average earning assets | $55,915,670 | 6,392 |
| Average equity | $6,461,670 | 6,546 |
| Average total loans | $45,691,330 | 5,948 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8729% | 426 |
| Cost of funding earning assets | 1.9039% | 4,612 |
| Net interest margin | 4.9690% | 434 |
| Noninterest income to average assets | 0.8607% | 2,031 |
| Noninterest expense to average assets | 2.7769% | 4,668 |
| Loan and lease loss provision to assets | 0.4523% | 2,660 |
| Net operating income to assets | 1.9601% | 376 |
| Return on assets (ROA) | 1.9601% | 427 |
| Pretax return on assets | 1.9601% | 710 |
| Return on Equity (ROE) | 19.0957% | 496 |
| Retained earnings to average equity (ytd only) | 11.8736% | 813 |
| Net charge-offs to loans | 0.5219% | 2,157 |
| Credit loss provision to net charge-offs | 120.0000% | 3,275 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,504 |
| Efficiency ratio | 53.5109% | 7,268 |
| Assets per employee ($millions) | 3.5249% | 4,757 |
| Cash dividends to net income (ytd only)* | 37.8205% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2527% | 4,403 |
| Loan loss allowance to noncurrent loans | 53.0650% | 5,019 |
| Noncurrent assets plus other real estate owned to assets | 1.7226% | 3,334 |
| Noncurrent loans to loans | 2.3607% | 2,794 |
| Net loans and leases to total assets | 72.0563% | 3,233 |
| Net loans and leases to deposits | 85.9477% | 3,638 |
| Net loans and leases to core deposits | 102.6678% | 4,270 |
| Total domestic deposits to total assets | 83.8374% | 3,779 |
| Equity capital to assets | 10.4793% | 3,483 |
| Core capital (leverage) ratio | 10.2853% | 3,126 |
| Tier 1 risk-based capital ratio | 13.3749% | 3,940 |
| Total risk-based capital ratio | 14.5643% | 3,906 |
| Memoranda: | ||
| Average total assets | $63,669,000 | 6,333 |
| Average earning assets | $55,464,000 | 6,436 |
| Average equity | $6,535,500 | 6,572 |
| Average total loans | $45,990,000 | 5,964 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4336% | 469 |
| Cost of funding earning assets | 2.4645% | 4,396 |
| Net interest margin | 4.9692% | 547 |
| Noninterest income to average assets | 0.9518% | 1,760 |
| Noninterest expense to average assets | 3.2886% | 2,999 |
| Loan and lease loss provision to assets | 0.3874% | 3,368 |
| Net operating income to assets | 1.7660% | 588 |
| Return on assets (ROA) | 1.7660% | 564 |
| Pretax return on assets | 1.7676% | 1,003 |
| Return on Equity (ROE) | 17.8686% | 534 |
| Retained earnings to average equity (ytd only) | 3.2634% | 3,124 |
| Net charge-offs to loans | 0.3302% | 3,195 |
| Credit loss provision to net charge-offs | 159.0909% | 3,249 |
| Earnings coverage of net charge-offs (x) | 8.8506% | 2,809 |
| Efficiency ratio | 60.4124% | 6,275 |
| Assets per employee ($millions) | 3.5494% | 4,546 |
| Cash dividends to net income (ytd only)* | 81.7368% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2434% | 4,209 |
| Loan loss allowance to noncurrent loans | 61.2069% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 1.4525% | 3,313 |
| Noncurrent loans to loans | 2.0315% | 2,727 |
| Net loans and leases to total assets | 70.6115% | 3,880 |
| Net loans and leases to deposits | 83.5148% | 4,497 |
| Net loans and leases to core deposits | 99.8561% | 4,835 |
| Total domestic deposits to total assets | 84.5498% | 3,049 |
| Equity capital to assets | 10.0518% | 3,971 |
| Core capital (leverage) ratio | 9.6064% | 3,867 |
| Tier 1 risk-based capital ratio | 13.0987% | 4,057 |
| Total risk-based capital ratio | 14.2745% | 4,006 |
| Memoranda: | ||
| Average total assets | $63,248,800 | 6,263 |
| Average earning assets | $57,172,600 | 6,293 |
| Average equity | $6,251,200 | 6,714 |
| Average total loans | $46,643,600 | 5,841 |