Home > First State Bank of Roscoe > Performance and Condition Ratios
First State Bank of Roscoe, 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 | 4.6092% | 2,873 |
| Cost of funding earning assets | 1.2584% | 2,635 |
| Net interest margin | 3.3508% | 2,514 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.5526% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5173% | 980 |
| Return on assets (ROA) | 1.5321% | 935 |
| Pretax return on assets | 1.6093% | 1,212 |
| Return on Equity (ROE) | 14.5000% | 1,384 |
| Retained earnings to average equity (ytd only) | 10.8094% | 838 |
| Net charge-offs to loans | -0.0234% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 49.3468% | 4,019 |
| Assets per employee ($millions) | 13.2665% | 306 |
| Cash dividends to net income (ytd only)* | 25.4394% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1239% | 313 |
| Loan loss allowance to noncurrent loans | 154.7027% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6339% | 856 |
| Noncurrent loans to loans | 1.3729% | 505 |
| Net loans and leases to total assets | 45.1900% | 3,854 |
| Net loans and leases to deposits | 55.2188% | 3,744 |
| Net loans and leases to core deposits | 59.2233% | 3,789 |
| Total domestic deposits to total assets | 81.8400% | 3,159 |
| Equity capital to assets | 11.1738% | 1,408 |
| Core capital (leverage) ratio | 12.1145% | 1,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4418% | 394 |
| Memoranda: | ||
| Average total assets | $141,115,600 | 3,449 |
| Average earning assets | $129,133,400 | 3,454 |
| Average equity | $14,913,000 | 3,275 |
| Average total loans | $64,226,000 | 3,643 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 2,809 |
| Cost of funding earning assets | 1.1739% | 2,515 |
| Net interest margin | 3.3713% | 2,518 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.5314% | 4,290 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5506% | 1,018 |
| Return on assets (ROA) | 1.5705% | 973 |
| Pretax return on assets | 1.6486% | 1,262 |
| Return on Equity (ROE) | 15.0900% | 1,429 |
| Retained earnings to average equity (ytd only) | 11.4246% | 1,083 |
| Net charge-offs to loans | -0.0273% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 48.4766% | 4,017 |
| Assets per employee ($millions) | 11.5326% | 428 |
| Cash dividends to net income (ytd only)* | 24.2718% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1675% | 311 |
| Loan loss allowance to noncurrent loans | 154.4865% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6684% | 855 |
| Noncurrent loans to loans | 1.4031% | 538 |
| Net loans and leases to total assets | 46.6100% | 3,803 |
| Net loans and leases to deposits | 57.2105% | 3,648 |
| Net loans and leases to core deposits | 60.1790% | 3,697 |
| Total domestic deposits to total assets | 81.4600% | 3,315 |
| Equity capital to assets | 10.9451% | 1,365 |
| Core capital (leverage) ratio | 12.2135% | 1,336 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7000% | 359 |
| Memoranda: | ||
| Average total assets | $139,911,750 | 3,467 |
| Average earning assets | $127,664,000 | 3,476 |
| Average equity | $14,564,750 | 3,302 |
| Average total loans | $63,438,750 | 3,665 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5020% | 2,639 |
| Cost of funding earning assets | 1.0771% | 2,358 |
| Net interest margin | 3.4249% | 2,463 |
| Noninterest income to average assets | 0.0800% | 4,398 |
| Noninterest expense to average assets | 1.5710% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5583% | 1,007 |
| Return on assets (ROA) | 1.5881% | 967 |
| Pretax return on assets | 1.6664% | 1,284 |
| Return on Equity (ROE) | 15.5200% | 1,356 |
| Retained earnings to average equity (ytd only) | 11.3425% | 1,113 |
| Net charge-offs to loans | -0.0224% | 4,155 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.0004% | 3,996 |
| Assets per employee ($millions) | 11.5488% | 431 |
| Cash dividends to net income (ytd only)* | 26.9058% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1622% | 328 |
| Loan loss allowance to noncurrent loans | 144.0283% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.7129% | 734 |
| Noncurrent loans to loans | 1.5012% | 441 |
| Net loans and leases to total assets | 46.4600% | 3,770 |
| Net loans and leases to deposits | 53.6422% | 3,767 |
| Net loans and leases to core deposits | 54.9749% | 3,852 |
| Total domestic deposits to total assets | 86.6200% | 2,047 |
| Equity capital to assets | 10.6237% | 1,540 |
| Core capital (leverage) ratio | 11.7173% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.3112% | 376 |
| Memoranda: | ||
| Average total assets | $140,418,667 | 3,474 |
| Average earning assets | $128,120,667 | 3,482 |
| Average equity | $14,370,667 | 3,321 |
| Average total loans | $62,609,333 | 3,678 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5441% | 2,210 |
| Cost of funding earning assets | 0.9762% | 2,128 |
| Net interest margin | 3.5679% | 2,201 |
| Noninterest income to average assets | 0.0800% | 4,443 |
| Noninterest expense to average assets | 1.6415% | 4,256 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.6330% | 930 |
| Return on assets (ROA) | 1.6330% | 927 |
| Pretax return on assets | 1.7122% | 1,253 |
| Return on Equity (ROE) | 16.2600% | 1,304 |
| Retained earnings to average equity (ytd only) | 16.2598% | 665 |
| Net charge-offs to loans | -0.0393% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 48.9451% | 4,031 |
| Assets per employee ($millions) | 12.2698% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4051% | 242 |
| Loan loss allowance to noncurrent loans | 121.7466% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 603 |
| Noncurrent loans to loans | 1.9755% | 285 |
| Net loans and leases to total assets | 39.1900% | 4,070 |
| Net loans and leases to deposits | 44.7626% | 4,079 |
| Net loans and leases to core deposits | 45.6833% | 4,119 |
| Total domestic deposits to total assets | 87.5500% | 2,073 |
| Equity capital to assets | 9.9866% | 1,828 |
| Core capital (leverage) ratio | 10.8185% | 1,982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9390% | 358 |
| Memoranda: | ||
| Average total assets | $141,335,000 | 3,509 |
| Average earning assets | $129,488,000 | 3,514 |
| Average equity | $14,194,500 | 3,369 |
| Average total loans | $61,007,000 | 3,747 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2752% | 3,649 |
| Cost of funding earning assets | 0.4621% | 1,637 |
| Net interest margin | 2.8132% | 3,868 |
| Noninterest income to average assets | 0.0800% | 4,504 |
| Noninterest expense to average assets | 1.5006% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0855% | 2,235 |
| Return on assets (ROA) | 1.0855% | 2,178 |
| Pretax return on assets | 1.1406% | 2,639 |
| Return on Equity (ROE) | 11.0300% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.8464% | 1,525 |
| Net charge-offs to loans | -0.0305% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.8139% | 3,489 |
| Assets per employee ($millions) | 11.2861% | 471 |
| Cash dividends to net income (ytd only)* | 19.7759% | 2,908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2516% | 289 |
| Loan loss allowance to noncurrent loans | 121.2329% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8624% | 535 |
| Noncurrent loans to loans | 1.8572% | 312 |
| Net loans and leases to total assets | 45.3900% | 3,827 |
| Net loans and leases to deposits | 52.0072% | 3,800 |
| Net loans and leases to core deposits | 53.0424% | 3,866 |
| Total domestic deposits to total assets | 87.2800% | 2,297 |
| Equity capital to assets | 10.1046% | 1,663 |
| Core capital (leverage) ratio | 11.2924% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6734% | 383 |
| Memoranda: | ||
| Average total assets | $139,746,000 | 3,532 |
| Average earning assets | $127,258,200 | 3,555 |
| Average equity | $13,757,000 | 3,496 |
| Average total loans | $62,351,600 | 3,688 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9670% | 3,948 |
| Cost of funding earning assets | 0.3772% | 1,461 |
| Net interest margin | 2.5898% | 4,116 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.4192% | 4,496 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9695% | 2,597 |
| Return on assets (ROA) | 0.9695% | 2,565 |
| Pretax return on assets | 1.0216% | 2,962 |
| Return on Equity (ROE) | 9.9100% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.9114% | 1,368 |
| Net charge-offs to loans | -0.0386% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.1458% | 3,367 |
| Assets per employee ($millions) | 11.5173% | 443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 342 |
| Loan loss allowance to noncurrent loans | 86.0182% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.1902% | 348 |
| Noncurrent loans to loans | 2.5696% | 203 |
| Net loans and leases to total assets | 45.3000% | 3,805 |
| Net loans and leases to deposits | 51.4768% | 3,763 |
| Net loans and leases to core deposits | 52.3511% | 3,839 |
| Total domestic deposits to total assets | 87.9900% | 2,440 |
| Equity capital to assets | 9.4871% | 1,893 |
| Core capital (leverage) ratio | 11.0356% | 1,706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8856% | 496 |
| Memoranda: | ||
| Average total assets | $140,824,250 | 3,552 |
| Average earning assets | $128,297,250 | 3,567 |
| Average equity | $13,775,000 | 3,540 |
| Average total loans | $62,217,250 | 3,714 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6911% | 4,155 |
| Cost of funding earning assets | 0.3148% | 1,577 |
| Net interest margin | 2.3764% | 4,254 |
| Noninterest income to average assets | 0.0805% | 4,553 |
| Noninterest expense to average assets | 1.4199% | 4,511 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7918% | 2,990 |
| Return on assets (ROA) | 0.7918% | 2,957 |
| Pretax return on assets | 0.8342% | 3,243 |
| Return on Equity (ROE) | 8.0166% | 3,012 |
| Retained earnings to average equity (ytd only) | 8.0166% | 1,608 |
| Net charge-offs to loans | -0.0325% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9931% | 2,922 |
| Assets per employee ($millions) | 11.0425% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3022% | 328 |
| Loan loss allowance to noncurrent loans | 84.4031% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 369 |
| Noncurrent loans to loans | 2.7276% | 195 |
| Net loans and leases to total assets | 41.5937% | 3,996 |
| Net loans and leases to deposits | 47.1747% | 3,976 |
| Net loans and leases to core deposits | 47.8422% | 4,032 |
| Total domestic deposits to total assets | 88.1695% | 2,507 |
| Equity capital to assets | 9.3979% | 2,099 |
| Core capital (leverage) ratio | 10.7312% | 1,778 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6889% | 489 |
| Memoranda: | ||
| Average total assets | $141,696,333 | 3,590 |
| Average earning assets | $129,610,333 | 3,603 |
| Average equity | $13,996,000 | 3,585 |
| Average total loans | $61,617,333 | 3,762 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5498% | 4,196 |
| Cost of funding earning assets | 0.3133% | 1,529 |
| Net interest margin | 2.2365% | 4,306 |
| Noninterest income to average assets | 0.0824% | 4,566 |
| Noninterest expense to average assets | 1.4805% | 4,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6166% | 3,340 |
| Return on assets (ROA) | 0.6166% | 3,324 |
| Pretax return on assets | 0.6507% | 3,515 |
| Return on Equity (ROE) | 6.0919% | 3,324 |
| Retained earnings to average equity (ytd only) | 6.0919% | 2,219 |
| Net charge-offs to loans | -0.0582% | 4,306 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4667% | 2,306 |
| Assets per employee ($millions) | 11.7958% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3210% | 360 |
| Loan loss allowance to noncurrent loans | 84.2421% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 1.1791% | 373 |
| Noncurrent loans to loans | 2.7552% | 201 |
| Net loans and leases to total assets | 41.8025% | 3,893 |
| Net loans and leases to deposits | 47.5793% | 3,899 |
| Net loans and leases to core deposits | 48.2642% | 3,971 |
| Total domestic deposits to total assets | 87.8586% | 2,588 |
| Equity capital to assets | 9.6779% | 2,155 |
| Core capital (leverage) ratio | 10.3182% | 2,001 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7577% | 793 |
| Memoranda: | ||
| Average total assets | $140,768,000 | 3,609 |
| Average earning assets | $128,951,000 | 3,620 |
| Average equity | $14,248,500 | 3,626 |
| Average total loans | $61,868,000 | 3,766 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3845% | 2,973 |
| Cost of funding earning assets | 0.4098% | 1,471 |
| Net interest margin | 2.9747% | 3,263 |
| Noninterest income to average assets | 0.5318% | 2,430 |
| Noninterest expense to average assets | 1.5901% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5962% | 819 |
| Return on assets (ROA) | 1.5962% | 853 |
| Pretax return on assets | 1.6481% | 1,281 |
| Return on Equity (ROE) | 14.5496% | 1,055 |
| Retained earnings to average equity (ytd only) | 6.1384% | 2,301 |
| Net charge-offs to loans | -0.0282% | 4,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1044% | 4,347 |
| Assets per employee ($millions) | 10.7682% | 540 |
| Cash dividends to net income (ytd only)* | 57.8103% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2119% | 444 |
| Loan loss allowance to noncurrent loans | 78.7486% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 1.2673% | 377 |
| Noncurrent loans to loans | 2.8088% | 222 |
| Net loans and leases to total assets | 44.1198% | 3,829 |
| Net loans and leases to deposits | 50.7732% | 3,833 |
| Net loans and leases to core deposits | 51.5199% | 3,928 |
| Total domestic deposits to total assets | 86.8959% | 2,563 |
| Equity capital to assets | 10.5710% | 2,111 |
| Core capital (leverage) ratio | 10.7422% | 1,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6934% | 792 |
| Memoranda: | ||
| Average total assets | $132,755,600 | 3,650 |
| Average earning assets | $120,785,000 | 3,678 |
| Average equity | $14,564,000 | 3,682 |
| Average total loans | $70,998,600 | 3,626 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5598% | 2,666 |
| Cost of funding earning assets | 0.4415% | 1,410 |
| Net interest margin | 3.1183% | 3,006 |
| Noninterest income to average assets | 0.6903% | 1,857 |
| Noninterest expense to average assets | 1.6108% | 4,455 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.8663% | 590 |
| Return on assets (ROA) | 1.8663% | 612 |
| Pretax return on assets | 1.9203% | 912 |
| Return on Equity (ROE) | 16.8484% | 787 |
| Retained earnings to average equity (ytd only) | 8.3461% | 1,932 |
| Net charge-offs to loans | -0.0347% | 4,199 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6171% | 4,523 |
| Assets per employee ($millions) | 10.8425% | 501 |
| Cash dividends to net income (ytd only)* | 50.4637% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9692% | 675 |
| Loan loss allowance to noncurrent loans | 78.6036% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 1.3650% | 393 |
| Noncurrent loans to loans | 2.5052% | 297 |
| Net loans and leases to total assets | 53.4140% | 3,032 |
| Net loans and leases to deposits | 62.2912% | 3,011 |
| Net loans and leases to core deposits | 63.6058% | 3,174 |
| Total domestic deposits to total assets | 85.7490% | 2,846 |
| Equity capital to assets | 11.4872% | 1,692 |
| Core capital (leverage) ratio | 11.2722% | 1,493 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6135% | 1,022 |
| Memoranda: | ||
| Average total assets | $130,947,750 | 3,700 |
| Average earning assets | $119,291,250 | 3,735 |
| Average equity | $14,505,500 | 3,735 |
| Average total loans | $72,958,500 | 3,650 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5178% | 2,837 |
| Cost of funding earning assets | 0.4745% | 1,358 |
| Net interest margin | 3.0433% | 3,200 |
| Noninterest income to average assets | 1.0013% | 1,067 |
| Noninterest expense to average assets | 1.6612% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0788% | 421 |
| Return on assets (ROA) | 2.0788% | 440 |
| Pretax return on assets | 2.1261% | 655 |
| Return on Equity (ROE) | 18.9990% | 546 |
| Retained earnings to average equity (ytd only) | 6.1148% | 2,756 |
| Net charge-offs to loans | -0.0272% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8632% | 4,624 |
| Assets per employee ($millions) | 10.9828% | 461 |
| Cash dividends to net income (ytd only)* | 67.8152% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 747 |
| Loan loss allowance to noncurrent loans | 79.4842% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 1.3240% | 480 |
| Noncurrent loans to loans | 2.3802% | 360 |
| Net loans and leases to total assets | 54.5750% | 3,066 |
| Net loans and leases to deposits | 63.3648% | 3,066 |
| Net loans and leases to core deposits | 64.9938% | 3,193 |
| Total domestic deposits to total assets | 86.1282% | 2,696 |
| Equity capital to assets | 10.9930% | 1,979 |
| Core capital (leverage) ratio | 10.6910% | 1,802 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1333% | 1,092 |
| Memoranda: | ||
| Average total assets | $131,227,000 | 3,714 |
| Average earning assets | $120,131,000 | 3,729 |
| Average equity | $14,358,667 | 3,756 |
| Average total loans | $73,647,000 | 3,659 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1711% | 3,737 |
| Cost of funding earning assets | 0.5107% | 1,326 |
| Net interest margin | 2.6603% | 4,039 |
| Noninterest income to average assets | 0.3513% | 3,334 |
| Noninterest expense to average assets | 1.8420% | 4,130 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9073% | 3,111 |
| Return on assets (ROA) | 0.9073% | 3,190 |
| Pretax return on assets | 0.9439% | 3,509 |
| Return on Equity (ROE) | 8.3112% | 3,239 |
| Retained earnings to average equity (ytd only) | 8.3112% | 2,148 |
| Net charge-offs to loans | -0.0434% | 4,339 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1184% | 2,214 |
| Assets per employee ($millions) | 11.1499% | 434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8883% | 753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 53.7844% | 3,269 |
| Net loans and leases to deposits | 62.2851% | 3,294 |
| Net loans and leases to core deposits | 63.8746% | 3,426 |
| Total domestic deposits to total assets | 86.3519% | 2,603 |
| Equity capital to assets | 10.7392% | 2,048 |
| Core capital (leverage) ratio | 10.5935% | 2,011 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1524% | 905 |
| Memoranda: | ||
| Average total assets | $130,944,000 | 3,728 |
| Average earning assets | $119,834,000 | 3,744 |
| Average equity | $14,294,000 | 3,767 |
| Average total loans | $73,814,000 | 3,673 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0898% | 2,450 |
| Cost of funding earning assets | 1.0456% | 500 |
| Net interest margin | 3.0441% | 3,771 |
| Noninterest income to average assets | 0.2733% | 3,840 |
| Noninterest expense to average assets | 1.7937% | 4,481 |
| Loan and lease loss provision to assets | 0.1507% | 2,488 |
| Net operating income to assets | 1.0219% | 2,209 |
| Return on assets (ROA) | 1.0219% | 2,352 |
| Pretax return on assets | 1.0724% | 2,806 |
| Return on Equity (ROE) | 8.7031% | 2,517 |
| Retained earnings to average equity (ytd only) | 2.0735% | 3,798 |
| Net charge-offs to loans | 0.0710% | 1,781 |
| Credit loss provision to net charge-offs | 319.2982% | 1,670 |
| Earnings coverage of net charge-offs (x) | 25.9123% | 1,734 |
| Efficiency ratio | 59.4565% | 3,527 |
| Assets per employee ($millions) | 10.6741% | 439 |
| Cash dividends to net income (ytd only)* | 76.1750% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8525% | 786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 56.9167% | 3,212 |
| Net loans and leases to deposits | 66.2601% | 3,245 |
| Net loans and leases to core deposits | 68.0043% | 3,413 |
| Total domestic deposits to total assets | 85.8989% | 2,404 |
| Equity capital to assets | 11.1009% | 2,171 |
| Core capital (leverage) ratio | 11.7242% | 1,358 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7319% | 943 |
| Memoranda: | ||
| Average total assets | $120,752,800 | 3,737 |
| Average earning assets | $108,833,000 | 3,783 |
| Average equity | $14,178,800 | 3,734 |
| Average total loans | $80,333,800 | 3,548 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,092 |
| Cost of funding earning assets | 1.1134% | 511 |
| Net interest margin | 3.1900% | 3,513 |
| Noninterest income to average assets | 0.3397% | 3,442 |
| Noninterest expense to average assets | 1.8163% | 4,465 |
| Loan and lease loss provision to assets | 0.2043% | 1,957 |
| Net operating income to assets | 1.1234% | 1,905 |
| Return on assets (ROA) | 1.1234% | 2,023 |
| Pretax return on assets | 1.1784% | 2,461 |
| Return on Equity (ROE) | 9.4290% | 2,236 |
| Retained earnings to average equity (ytd only) | 0.5834% | 4,361 |
| Net charge-offs to loans | 0.1010% | 1,303 |
| Credit loss provision to net charge-offs | 293.5484% | 1,786 |
| Earnings coverage of net charge-offs (x) | 19.8871% | 1,923 |
| Efficiency ratio | 56.7823% | 3,822 |
| Assets per employee ($millions) | 8.9484% | 702 |
| Cash dividends to net income (ytd only)* | 93.8124% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6882% | 913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 63.7787% | 2,793 |
| Net loans and leases to deposits | 74.3539% | 2,923 |
| Net loans and leases to core deposits | 77.4938% | 3,057 |
| Total domestic deposits to total assets | 85.7771% | 2,154 |
| Equity capital to assets | 11.1537% | 2,278 |
| Core capital (leverage) ratio | 11.2825% | 1,714 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3159% | 1,185 |
| Memoranda: | ||
| Average total assets | $118,918,750 | 3,754 |
| Average earning assets | $106,581,250 | 3,814 |
| Average equity | $14,168,750 | 3,738 |
| Average total loans | $81,847,250 | 3,545 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3908% | 2,238 |
| Cost of funding earning assets | 1.2061% | 491 |
| Net interest margin | 3.1846% | 3,709 |
| Noninterest income to average assets | 0.4452% | 2,826 |
| Noninterest expense to average assets | 1.8373% | 4,504 |
| Loan and lease loss provision to assets | 0.1541% | 2,454 |
| Net operating income to assets | 1.2586% | 1,466 |
| Return on assets (ROA) | 1.2586% | 1,586 |
| Pretax return on assets | 1.3202% | 1,965 |
| Return on Equity (ROE) | 10.3274% | 1,875 |
| Retained earnings to average equity (ytd only) | 10.3274% | 729 |
| Net charge-offs to loans | 0.1268% | 1,080 |
| Credit loss provision to net charge-offs | 173.0769% | 2,022 |
| Earnings coverage of net charge-offs (x) | 16.5577% | 1,853 |
| Efficiency ratio | 55.4809% | 4,005 |
| Assets per employee ($millions) | 8.4061% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 1,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 70.6564% | 1,930 |
| Net loans and leases to deposits | 83.8395% | 2,013 |
| Net loans and leases to core deposits | 87.2199% | 2,326 |
| Total domestic deposits to total assets | 84.2758% | 2,650 |
| Equity capital to assets | 12.4561% | 1,396 |
| Core capital (leverage) ratio | 12.0909% | 1,334 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3802% | 1,162 |
| Memoranda: | ||
| Average total assets | $116,799,333 | 3,763 |
| Average earning assets | $105,129,333 | 3,821 |
| Average equity | $14,234,000 | 3,736 |
| Average total loans | $82,039,000 | 3,543 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4670% | 2,401 |
| Cost of funding earning assets | 1.2478% | 661 |
| Net interest margin | 3.2191% | 3,808 |
| Noninterest income to average assets | 0.2991% | 3,723 |
| Noninterest expense to average assets | 1.9182% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2238% | 1,444 |
| Return on assets (ROA) | 1.2238% | 1,552 |
| Pretax return on assets | 1.2720% | 1,959 |
| Return on Equity (ROE) | 10.1558% | 1,693 |
| Retained earnings to average equity (ytd only) | 10.1558% | 716 |
| Net charge-offs to loans | 0.0346% | 1,719 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 52.8571% | 864 |
| Efficiency ratio | 60.1293% | 3,723 |
| Assets per employee ($millions) | 8.2423% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5452% | 1,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 68.7457% | 2,426 |
| Net loans and leases to deposits | 81.5450% | 2,517 |
| Net loans and leases to core deposits | 85.3511% | 2,729 |
| Total domestic deposits to total assets | 84.3039% | 2,670 |
| Equity capital to assets | 12.3275% | 1,845 |
| Core capital (leverage) ratio | 11.8682% | 1,822 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1237% | 1,321 |
| Memoranda: | ||
| Average total assets | $116,356,500 | 3,758 |
| Average earning assets | $104,500,000 | 3,810 |
| Average equity | $14,021,500 | 3,770 |
| Average total loans | $80,837,500 | 3,564 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9408% | 1,632 |
| Cost of funding earning assets | 1.2652% | 852 |
| Net interest margin | 3.6756% | 2,883 |
| Noninterest income to average assets | 0.1518% | 4,733 |
| Noninterest expense to average assets | 1.8921% | 4,676 |
| Loan and lease loss provision to assets | 0.1610% | 1,299 |
| Net operating income to assets | 1.3190% | 1,618 |
| Return on assets (ROA) | 1.3190% | 1,700 |
| Pretax return on assets | 1.3908% | 2,194 |
| Return on Equity (ROE) | 10.4759% | 2,093 |
| Retained earnings to average equity (ytd only) | 2.4400% | 3,805 |
| Net charge-offs to loans | 0.0626% | 2,205 |
| Credit loss provision to net charge-offs | 330.1887% | 843 |
| Earnings coverage of net charge-offs (x) | 31.8302% | 1,525 |
| Efficiency ratio | 54.9412% | 4,327 |
| Assets per employee ($millions) | 9.0247% | 501 |
| Cash dividends to net income (ytd only)* | 76.7085% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5437% | 1,108 |
| Loan loss allowance to noncurrent loans | 15,650.0000% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 4,642 |
| Noncurrent loans to loans | 0.0099% | 4,553 |
| Net loans and leases to total assets | 68.0620% | 2,672 |
| Net loans and leases to deposits | 80.2063% | 2,757 |
| Net loans and leases to core deposits | 83.2024% | 3,023 |
| Total domestic deposits to total assets | 84.8586% | 2,552 |
| Equity capital to assets | 11.7779% | 2,299 |
| Core capital (leverage) ratio | 11.6214% | 2,021 |
| Tier 1 risk-based capital ratio | 15.2843% | 2,663 |
| Total risk-based capital ratio | 16.5366% | 2,592 |
| Memoranda: | ||
| Average total assets | $108,716,000 | 3,848 |
| Average earning assets | $97,373,000 | 3,922 |
| Average equity | $13,688,600 | 3,789 |
| Average total loans | $84,726,400 | 3,511 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0551% | 1,401 |
| Cost of funding earning assets | 1.2578% | 889 |
| Net interest margin | 3.7973% | 2,610 |
| Noninterest income to average assets | 0.1551% | 4,771 |
| Noninterest expense to average assets | 1.9168% | 4,681 |
| Loan and lease loss provision to assets | 0.2190% | 786 |
| Net operating income to assets | 1.3400% | 1,677 |
| Return on assets (ROA) | 1.3400% | 1,753 |
| Pretax return on assets | 1.4151% | 2,249 |
| Return on Equity (ROE) | 10.4565% | 2,232 |
| Retained earnings to average equity (ytd only) | -0.2832% | 4,788 |
| Net charge-offs to loans | 0.0358% | 2,365 |
| Credit loss provision to net charge-offs | 760.8696% | 449 |
| Earnings coverage of net charge-offs (x) | 56.7750% | 1,095 |
| Efficiency ratio | 53.9817% | 4,393 |
| Assets per employee ($millions) | 8.4478% | 582 |
| Cash dividends to net income (ytd only)* | 102.7081% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4930% | 1,263 |
| Loan loss allowance to noncurrent loans | 3,561.1111% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 4,562 |
| Noncurrent loans to loans | 0.0419% | 4,464 |
| Net loans and leases to total assets | 77.0235% | 1,311 |
| Net loans and leases to deposits | 91.4752% | 1,507 |
| Net loans and leases to core deposits | 94.8179% | 2,098 |
| Total domestic deposits to total assets | 84.2016% | 2,751 |
| Equity capital to assets | 12.2472% | 2,078 |
| Core capital (leverage) ratio | 12.1705% | 1,748 |
| Tier 1 risk-based capital ratio | 14.5650% | 3,039 |
| Total risk-based capital ratio | 15.8171% | 2,969 |
| Memoranda: | ||
| Average total assets | $106,564,750 | 3,926 |
| Average earning assets | $95,293,750 | 3,992 |
| Average equity | $13,656,250 | 3,835 |
| Average total loans | $85,632,250 | 3,531 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0172% | 1,433 |
| Cost of funding earning assets | 1.2221% | 934 |
| Net interest margin | 3.7951% | 2,597 |
| Noninterest income to average assets | 0.1403% | 4,870 |
| Noninterest expense to average assets | 1.9663% | 4,662 |
| Loan and lease loss provision to assets | 0.2939% | 477 |
| Net operating income to assets | 1.2021% | 2,144 |
| Return on assets (ROA) | 1.2021% | 2,204 |
| Pretax return on assets | 1.2837% | 2,623 |
| Return on Equity (ROE) | 9.2386% | 2,763 |
| Retained earnings to average equity (ytd only) | 9.2386% | 975 |
| Net charge-offs to loans | 0.0070% | 2,897 |
| Credit loss provision to net charge-offs | 5,166.6667% | 67 |
| Earnings coverage of net charge-offs (x) | 277.3333% | 288 |
| Efficiency ratio | 55.4842% | 4,309 |
| Assets per employee ($millions) | 7.5290% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4631% | 1,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 81.9099% | 621 |
| Net loans and leases to deposits | 95.4823% | 1,097 |
| Net loans and leases to core deposits | 99.4196% | 1,773 |
| Total domestic deposits to total assets | 85.7854% | 2,142 |
| Equity capital to assets | 13.3787% | 1,386 |
| Core capital (leverage) ratio | 13.0495% | 1,276 |
| Tier 1 risk-based capital ratio | 15.3568% | 2,677 |
| Total risk-based capital ratio | 16.6087% | 2,610 |
| Memoranda: | ||
| Average total assets | $105,479,330 | 3,966 |
| Average earning assets | $94,594,670 | 4,024 |
| Average equity | $13,725,000 | 3,827 |
| Average total loans | $85,553,000 | 3,558 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9291% | 1,522 |
| Cost of funding earning assets | 1.1762% | 968 |
| Net interest margin | 3.7529% | 2,701 |
| Noninterest income to average assets | 0.1516% | 4,834 |
| Noninterest expense to average assets | 2.0243% | 4,595 |
| Loan and lease loss provision to assets | 0.1895% | 862 |
| Net operating income to assets | 1.2207% | 1,984 |
| Return on assets (ROA) | 1.2207% | 2,032 |
| Pretax return on assets | 1.3003% | 2,454 |
| Return on Equity (ROE) | 9.5150% | 2,580 |
| Retained earnings to average equity (ytd only) | 9.5150% | 1,156 |
| Net charge-offs to loans | 0.0142% | 2,198 |
| Credit loss provision to net charge-offs | 1,666.6667% | 241 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 559 |
| Efficiency ratio | 57.6052% | 4,134 |
| Assets per employee ($millions) | 7.5532% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3658% | 1,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 80.3792% | 794 |
| Net loans and leases to deposits | 93.1780% | 1,261 |
| Net loans and leases to core deposits | 95.8847% | 1,935 |
| Total domestic deposits to total assets | 86.2641% | 2,158 |
| Equity capital to assets | 12.9737% | 1,467 |
| Core capital (leverage) ratio | 12.5481% | 1,483 |
| Tier 1 risk-based capital ratio | 15.0562% | 2,870 |
| Total risk-based capital ratio | 16.3068% | 2,784 |
| Memoranda: | ||
| Average total assets | $105,516,000 | 4,012 |
| Average earning assets | $94,540,500 | 4,064 |
| Average equity | $13,536,500 | 3,864 |
| Average total loans | $84,519,500 | 3,602 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9391% | 1,186 |
| Cost of funding earning assets | 0.9277% | 1,003 |
| Net interest margin | 4.0114% | 1,948 |
| Noninterest income to average assets | 0.1366% | 5,025 |
| Noninterest expense to average assets | 1.9761% | 4,788 |
| Loan and lease loss provision to assets | 0.0577% | 3,007 |
| Net operating income to assets | 1.6134% | 843 |
| Return on assets (ROA) | 1.6134% | 837 |
| Pretax return on assets | 1.6846% | 1,205 |
| Return on Equity (ROE) | 12.4911% | 1,550 |
| Retained earnings to average equity (ytd only) | 1.0949% | 4,682 |
| Net charge-offs to loans | 0.0930% | 1,838 |
| Credit loss provision to net charge-offs | 76.9231% | 2,908 |
| Earnings coverage of net charge-offs (x) | 23.2179% | 1,860 |
| Efficiency ratio | 53.1436% | 4,701 |
| Assets per employee ($millions) | 7.5205% | 788 |
| Cash dividends to net income (ytd only)* | 91.2343% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 1,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 77.6307% | 1,333 |
| Net loans and leases to deposits | 89.6758% | 1,837 |
| Net loans and leases to core deposits | 92.5483% | 2,359 |
| Total domestic deposits to total assets | 86.5681% | 1,981 |
| Equity capital to assets | 12.6834% | 1,491 |
| Core capital (leverage) ratio | 12.4628% | 1,474 |
| Tier 1 risk-based capital ratio | 14.9410% | 2,851 |
| Total risk-based capital ratio | 16.1919% | 2,782 |
| Memoranda: | ||
| Average total assets | $103,943,200 | 4,039 |
| Average earning assets | $92,810,200 | 4,082 |
| Average equity | $13,425,600 | 3,828 |
| Average total loans | $83,835,600 | 3,597 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8761% | 1,220 |
| Cost of funding earning assets | 0.8584% | 1,081 |
| Net interest margin | 4.0177% | 1,903 |
| Noninterest income to average assets | 0.1364% | 5,089 |
| Noninterest expense to average assets | 1.9277% | 4,863 |
| Loan and lease loss provision to assets | 0.0450% | 3,090 |
| Net operating income to assets | 1.6781% | 787 |
| Return on assets (ROA) | 1.6781% | 788 |
| Pretax return on assets | 1.7476% | 1,151 |
| Return on Equity (ROE) | 12.9328% | 1,456 |
| Retained earnings to average equity (ytd only) | -2.2415% | 5,212 |
| Net charge-offs to loans | 0.1491% | 1,105 |
| Credit loss provision to net charge-offs | 37.2340% | 2,926 |
| Earnings coverage of net charge-offs (x) | 14.8192% | 2,263 |
| Efficiency ratio | 51.8160% | 4,827 |
| Assets per employee ($millions) | 8.0725% | 634 |
| Cash dividends to net income (ytd only)* | 117.3316% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,368 |
| Loan loss allowance to noncurrent loans | 189.0625% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.5489% | 2,546 |
| Noncurrent loans to loans | 0.6609% | 2,427 |
| Net loans and leases to total assets | 82.0063% | 717 |
| Net loans and leases to deposits | 101.4512% | 677 |
| Net loans and leases to core deposits | 105.2066% | 1,359 |
| Total domestic deposits to total assets | 80.8332% | 3,909 |
| Equity capital to assets | 12.3401% | 1,678 |
| Core capital (leverage) ratio | 12.5460% | 1,476 |
| Tier 1 risk-based capital ratio | 14.0053% | 3,369 |
| Total risk-based capital ratio | 15.2034% | 3,306 |
| Memoranda: | ||
| Average total assets | $103,607,250 | 4,085 |
| Average earning assets | $92,421,750 | 4,135 |
| Average equity | $13,443,500 | 3,857 |
| Average total loans | $84,078,250 | 3,624 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 1,318 |
| Cost of funding earning assets | 0.7878% | 1,185 |
| Net interest margin | 3.9866% | 1,908 |
| Noninterest income to average assets | 0.1318% | 5,148 |
| Noninterest expense to average assets | 1.9658% | 4,854 |
| Loan and lease loss provision to assets | 0.0679% | 2,526 |
| Net operating income to assets | 1.6033% | 915 |
| Return on assets (ROA) | 1.6033% | 921 |
| Pretax return on assets | 1.6595% | 1,318 |
| Return on Equity (ROE) | 12.1546% | 1,670 |
| Retained earnings to average equity (ytd only) | 12.1546% | 499 |
| Net charge-offs to loans | 0.2312% | 693 |
| Credit loss provision to net charge-offs | 36.4583% | 2,589 |
| Earnings coverage of net charge-offs (x) | 9.2813% | 2,406 |
| Efficiency ratio | 53.2283% | 4,762 |
| Assets per employee ($millions) | 7.7600% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,162 |
| Loan loss allowance to noncurrent loans | 151.8156% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.7098% | 2,104 |
| Noncurrent loans to loans | 0.8572% | 2,010 |
| Net loans and leases to total assets | 81.7248% | 740 |
| Net loans and leases to deposits | 96.7630% | 1,061 |
| Net loans and leases to core deposits | 100.5783% | 1,685 |
| Total domestic deposits to total assets | 84.4588% | 2,890 |
| Equity capital to assets | 13.8997% | 959 |
| Core capital (leverage) ratio | 13.5863% | 1,041 |
| Tier 1 risk-based capital ratio | 15.6433% | 2,572 |
| Total risk-based capital ratio | 16.8770% | 2,527 |
| Memoranda: | ||
| Average total assets | $103,162,330 | 4,126 |
| Average earning assets | $92,157,670 | 4,179 |
| Average equity | $13,608,000 | 3,856 |
| Average total loans | $83,055,000 | 3,659 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6524% | 1,429 |
| Cost of funding earning assets | 0.7540% | 1,169 |
| Net interest margin | 3.8984% | 2,052 |
| Noninterest income to average assets | 0.1457% | 5,137 |
| Noninterest expense to average assets | 2.1552% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4381% | 1,232 |
| Return on assets (ROA) | 1.4381% | 1,238 |
| Pretax return on assets | 1.4803% | 1,726 |
| Return on Equity (ROE) | 11.1932% | 1,886 |
| Retained earnings to average equity (ytd only) | 11.1932% | 846 |
| Net charge-offs to loans | 0.4782% | 318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 3.8990% | 2,350 |
| Efficiency ratio | 59.2827% | 4,167 |
| Assets per employee ($millions) | 7.4685% | 780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 2,501 |
| Loan loss allowance to noncurrent loans | 53.1139% | 4,397 |
| Noncurrent assets plus other real estate owned to assets | 1.8889% | 628 |
| Noncurrent loans to loans | 2.3590% | 602 |
| Net loans and leases to total assets | 79.0692% | 1,068 |
| Net loans and leases to deposits | 91.4981% | 1,506 |
| Net loans and leases to core deposits | 94.2132% | 2,119 |
| Total domestic deposits to total assets | 86.4163% | 2,353 |
| Equity capital to assets | 12.9716% | 1,260 |
| Core capital (leverage) ratio | 12.7042% | 1,293 |
| Tier 1 risk-based capital ratio | 14.9056% | 2,913 |
| Total risk-based capital ratio | 16.0785% | 2,895 |
| Memoranda: | ||
| Average total assets | $104,303,500 | 4,156 |
| Average earning assets | $93,371,000 | 4,200 |
| Average equity | $13,401,000 | 3,914 |
| Average total loans | $82,817,000 | 3,695 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 995 |
| Cost of funding earning assets | 0.6792% | 1,135 |
| Net interest margin | 4.1101% | 1,404 |
| Noninterest income to average assets | 0.1390% | 5,258 |
| Noninterest expense to average assets | 1.9531% | 5,040 |
| Loan and lease loss provision to assets | 0.2027% | 1,018 |
| Net operating income to assets | 1.5756% | 683 |
| Return on assets (ROA) | 1.5756% | 696 |
| Pretax return on assets | 1.6461% | 1,172 |
| Return on Equity (ROE) | 12.3144% | 1,127 |
| Retained earnings to average equity (ytd only) | 2.5051% | 3,826 |
| Net charge-offs to loans | 0.1054% | 2,012 |
| Credit loss provision to net charge-offs | 233.3333% | 1,189 |
| Earnings coverage of net charge-offs (x) | 21.2778% | 1,914 |
| Efficiency ratio | 51.3713% | 5,140 |
| Assets per employee ($millions) | 7.4320% | 795 |
| Cash dividends to net income (ytd only)* | 79.6569% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4015% | 1,762 |
| Loan loss allowance to noncurrent loans | 510.2222% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.2162% | 4,055 |
| Noncurrent loans to loans | 0.2747% | 3,797 |
| Net loans and leases to total assets | 77.6209% | 1,334 |
| Net loans and leases to deposits | 89.6679% | 1,813 |
| Net loans and leases to core deposits | 91.2391% | 2,432 |
| Total domestic deposits to total assets | 86.5649% | 2,203 |
| Equity capital to assets | 12.7239% | 1,393 |
| Core capital (leverage) ratio | 12.2971% | 1,448 |
| Tier 1 risk-based capital ratio | 14.5108% | 3,087 |
| Total risk-based capital ratio | 15.7608% | 3,004 |
| Memoranda: | ||
| Average total assets | $103,579,800 | 4,176 |
| Average earning assets | $92,308,200 | 4,233 |
| Average equity | $13,252,800 | 3,952 |
| Average total loans | $85,375,000 | 3,625 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8495% | 836 |
| Cost of funding earning assets | 0.6546% | 1,205 |
| Net interest margin | 4.1949% | 1,162 |
| Noninterest income to average assets | 0.1430% | 5,292 |
| Noninterest expense to average assets | 1.8982% | 5,134 |
| Loan and lease loss provision to assets | 0.2706% | 606 |
| Net operating income to assets | 1.6405% | 646 |
| Return on assets (ROA) | 1.6405% | 670 |
| Pretax return on assets | 1.7152% | 1,082 |
| Return on Equity (ROE) | 12.8037% | 1,098 |
| Retained earnings to average equity (ytd only) | -0.2716% | 5,249 |
| Net charge-offs to loans | 0.1422% | 1,396 |
| Credit loss provision to net charge-offs | 228.2609% | 1,220 |
| Earnings coverage of net charge-offs (x) | 16.7505% | 2,152 |
| Efficiency ratio | 48.8719% | 5,300 |
| Assets per employee ($millions) | 7.2726% | 837 |
| Cash dividends to net income (ytd only)* | 102.1210% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 2,215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 83.6038% | 480 |
| Net loans and leases to deposits | 96.5211% | 1,064 |
| Net loans and leases to core deposits | 98.5699% | 1,839 |
| Total domestic deposits to total assets | 86.6170% | 2,038 |
| Equity capital to assets | 12.6964% | 1,546 |
| Core capital (leverage) ratio | 12.2716% | 1,530 |
| Tier 1 risk-based capital ratio | 13.6111% | 3,629 |
| Total risk-based capital ratio | 14.8492% | 3,561 |
| Memoranda: | ||
| Average total assets | $103,462,750 | 4,215 |
| Average earning assets | $92,267,750 | 4,273 |
| Average equity | $13,256,250 | 3,990 |
| Average total loans | $86,241,000 | 3,629 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8276% | 812 |
| Cost of funding earning assets | 0.6489% | 1,149 |
| Net interest margin | 4.1787% | 1,127 |
| Noninterest income to average assets | 0.1442% | 5,337 |
| Noninterest expense to average assets | 1.9229% | 5,147 |
| Loan and lease loss provision to assets | 0.2115% | 844 |
| Net operating income to assets | 1.6556% | 621 |
| Return on assets (ROA) | 1.6556% | 641 |
| Pretax return on assets | 1.7248% | 1,000 |
| Return on Equity (ROE) | 12.8834% | 1,069 |
| Retained earnings to average equity (ytd only) | 12.8834% | 257 |
| Net charge-offs to loans | -0.0093% | 4,507 |
| Credit loss provision to net charge-offs | -2,750.0000% | 4,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8256% | 5,315 |
| Assets per employee ($millions) | 7.4396% | 763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 82.8427% | 572 |
| Net loans and leases to deposits | 96.2111% | 1,055 |
| Net loans and leases to core deposits | 98.2185% | 1,784 |
| Total domestic deposits to total assets | 86.1052% | 2,334 |
| Equity capital to assets | 13.2717% | 1,241 |
| Core capital (leverage) ratio | 12.9861% | 1,179 |
| Tier 1 risk-based capital ratio | 14.4351% | 3,198 |
| Total risk-based capital ratio | 15.6576% | 3,143 |
| Memoranda: | ||
| Average total assets | $104,011,670 | 4,243 |
| Average earning assets | $92,468,330 | 4,302 |
| Average equity | $13,366,000 | 3,983 |
| Average total loans | $86,232,000 | 3,654 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8167% | 720 |
| Cost of funding earning assets | 0.6477% | 1,088 |
| Net interest margin | 4.1690% | 1,046 |
| Noninterest income to average assets | 0.1616% | 5,310 |
| Noninterest expense to average assets | 1.9280% | 5,187 |
| Loan and lease loss provision to assets | 0.1924% | 867 |
| Net operating income to assets | 1.7433% | 506 |
| Return on assets (ROA) | 1.7433% | 513 |
| Pretax return on assets | 1.7318% | 933 |
| Return on Equity (ROE) | 13.7926% | 843 |
| Retained earnings to average equity (ytd only) | 13.7926% | 312 |
| Net charge-offs to loans | -0.0187% | 4,701 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0500% | 5,372 |
| Assets per employee ($millions) | 7.9740% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2738% | 2,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.8995% | 710 |
| Net loans and leases to deposits | 93.5198% | 1,163 |
| Net loans and leases to core deposits | 95.2133% | 1,874 |
| Total domestic deposits to total assets | 86.5052% | 2,439 |
| Equity capital to assets | 12.9073% | 1,296 |
| Core capital (leverage) ratio | 12.3948% | 1,393 |
| Tier 1 risk-based capital ratio | 14.3195% | 3,306 |
| Total risk-based capital ratio | 15.5044% | 3,249 |
| Memoranda: | ||
| Average total assets | $103,940,500 | 4,284 |
| Average earning assets | $92,012,500 | 4,350 |
| Average equity | $13,137,500 | 4,040 |
| Average total loans | $85,635,000 | 3,695 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7222% | 1,022 |
| Cost of funding earning assets | 0.6245% | 1,175 |
| Net interest margin | 4.0977% | 1,384 |
| Noninterest income to average assets | 0.1375% | 5,504 |
| Noninterest expense to average assets | 1.8832% | 5,384 |
| Loan and lease loss provision to assets | 0.1173% | 2,107 |
| Net operating income to assets | 1.7370% | 501 |
| Return on assets (ROA) | 1.7370% | 527 |
| Pretax return on assets | 1.8034% | 795 |
| Return on Equity (ROE) | 14.2591% | 735 |
| Retained earnings to average equity (ytd only) | 6.3637% | 1,519 |
| Net charge-offs to loans | -0.0107% | 4,954 |
| Credit loss provision to net charge-offs | -1,355.5556% | 5,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5070% | 5,506 |
| Assets per employee ($millions) | 8.0168% | 607 |
| Cash dividends to net income (ytd only)* | 55.3710% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1908% | 3,174 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 81.8450% | 625 |
| Net loans and leases to deposits | 94.1105% | 1,184 |
| Net loans and leases to core deposits | 95.5270% | 1,966 |
| Total domestic deposits to total assets | 86.9669% | 2,165 |
| Equity capital to assets | 12.3730% | 1,594 |
| Core capital (leverage) ratio | 12.1448% | 1,515 |
| Tier 1 risk-based capital ratio | 13.5976% | 3,706 |
| Total risk-based capital ratio | 14.7049% | 3,694 |
| Memoranda: | ||
| Average total assets | $103,970,400 | 4,286 |
| Average earning assets | $93,028,200 | 4,321 |
| Average equity | $12,665,600 | 4,142 |
| Average total loans | $84,108,400 | 3,707 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7670% | 955 |
| Cost of funding earning assets | 0.6297% | 1,142 |
| Net interest margin | 4.1373% | 1,283 |
| Noninterest income to average assets | 0.1424% | 5,547 |
| Noninterest expense to average assets | 1.8285% | 5,483 |
| Loan and lease loss provision to assets | 0.1411% | 1,659 |
| Net operating income to assets | 1.8246% | 461 |
| Return on assets (ROA) | 1.8246% | 488 |
| Pretax return on assets | 1.8824% | 739 |
| Return on Equity (ROE) | 15.0374% | 661 |
| Retained earnings to average equity (ytd only) | 4.4626% | 3,159 |
| Net charge-offs to loans | -0.0080% | 4,715 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4684% | 5,610 |
| Assets per employee ($millions) | 7.7958% | 637 |
| Cash dividends to net income (ytd only)* | 70.3236% | 1,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 3,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 81.4801% | 690 |
| Net loans and leases to deposits | 93.7724% | 1,276 |
| Net loans and leases to core deposits | 94.9171% | 2,110 |
| Total domestic deposits to total assets | 86.8913% | 1,936 |
| Equity capital to assets | 12.4466% | 1,809 |
| Core capital (leverage) ratio | 11.8303% | 1,791 |
| Tier 1 risk-based capital ratio | 13.6300% | 3,781 |
| Total risk-based capital ratio | 14.7569% | 3,762 |
| Memoranda: | ||
| Average total assets | $103,908,250 | 4,322 |
| Average earning assets | $93,166,750 | 4,360 |
| Average equity | $12,608,250 | 4,195 |
| Average total loans | $83,554,000 | 3,739 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6312% | 1,203 |
| Cost of funding earning assets | 0.6182% | 1,207 |
| Net interest margin | 4.0130% | 1,604 |
| Noninterest income to average assets | 0.1355% | 5,632 |
| Noninterest expense to average assets | 1.8308% | 5,557 |
| Loan and lease loss provision to assets | 0.2100% | 1,019 |
| Net operating income to assets | 1.6514% | 642 |
| Return on assets (ROA) | 1.6514% | 685 |
| Pretax return on assets | 1.7010% | 1,087 |
| Return on Equity (ROE) | 13.7233% | 879 |
| Retained earnings to average equity (ytd only) | 13.7233% | 202 |
| Net charge-offs to loans | -0.0024% | 4,388 |
| Credit loss provision to net charge-offs | -11,000.0000% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9286% | 5,624 |
| Assets per employee ($millions) | 8.7603% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 3,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 80.3906% | 841 |
| Net loans and leases to deposits | 93.5579% | 1,329 |
| Net loans and leases to core deposits | 95.2633% | 2,044 |
| Total domestic deposits to total assets | 85.9260% | 2,458 |
| Equity capital to assets | 12.4540% | 1,805 |
| Core capital (leverage) ratio | 12.0732% | 1,579 |
| Tier 1 risk-based capital ratio | 13.8236% | 3,709 |
| Total risk-based capital ratio | 14.9222% | 3,714 |
| Memoranda: | ||
| Average total assets | $104,762,670 | 4,336 |
| Average earning assets | $94,144,670 | 4,381 |
| Average equity | $12,606,330 | 4,211 |
| Average total loans | $83,542,670 | 3,763 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5880% | 1,294 |
| Cost of funding earning assets | 0.6146% | 1,245 |
| Net interest margin | 3.9734% | 1,697 |
| Noninterest income to average assets | 0.1415% | 5,638 |
| Noninterest expense to average assets | 1.9850% | 5,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.6332% | 660 |
| Return on assets (ROA) | 1.6332% | 700 |
| Pretax return on assets | 1.7173% | 1,028 |
| Return on Equity (ROE) | 13.8149% | 870 |
| Retained earnings to average equity (ytd only) | 13.8149% | 332 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6157% | 5,415 |
| Assets per employee ($millions) | 9.5953% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0935% | 4,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 76.8712% | 1,270 |
| Net loans and leases to deposits | 87.8476% | 1,849 |
| Net loans and leases to core deposits | 89.1555% | 2,448 |
| Total domestic deposits to total assets | 87.5052% | 1,922 |
| Equity capital to assets | 11.9405% | 2,067 |
| Core capital (leverage) ratio | 11.7087% | 1,819 |
| Tier 1 risk-based capital ratio | 13.7402% | 3,842 |
| Total risk-based capital ratio | 14.7467% | 3,904 |
| Memoranda: | ||
| Average total assets | $104,582,500 | 4,379 |
| Average earning assets | $93,723,500 | 4,432 |
| Average equity | $12,363,500 | 4,271 |
| Average total loans | $82,555,500 | 3,794 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 1,365 |
| Cost of funding earning assets | 0.6265% | 1,203 |
| Net interest margin | 3.9623% | 1,838 |
| Noninterest income to average assets | 0.1363% | 5,734 |
| Noninterest expense to average assets | 1.8257% | 5,706 |
| Loan and lease loss provision to assets | 0.0691% | 2,909 |
| Net operating income to assets | 1.7408% | 537 |
| Return on assets (ROA) | 1.7408% | 560 |
| Pretax return on assets | 1.8070% | 796 |
| Return on Equity (ROE) | 14.9379% | 691 |
| Retained earnings to average equity (ytd only) | 6.2954% | 1,657 |
| Net charge-offs to loans | 0.0077% | 4,169 |
| Credit loss provision to net charge-offs | 1,166.6667% | 289 |
| Earnings coverage of net charge-offs (x) | 316.6667% | 224 |
| Efficiency ratio | 49.3198% | 5,782 |
| Assets per employee ($millions) | 9.4197% | 328 |
| Cash dividends to net income (ytd only)* | 57.8559% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0797% | 4,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 79.3123% | 946 |
| Net loans and leases to deposits | 91.6554% | 1,438 |
| Net loans and leases to core deposits | 96.3345% | 1,810 |
| Total domestic deposits to total assets | 86.5331% | 2,360 |
| Equity capital to assets | 11.7008% | 2,197 |
| Core capital (leverage) ratio | 11.4722% | 1,979 |
| Tier 1 risk-based capital ratio | 13.1227% | 4,222 |
| Total risk-based capital ratio | 14.1187% | 4,301 |
| Memoranda: | ||
| Average total assets | $101,275,200 | 4,439 |
| Average earning assets | $91,134,600 | 4,479 |
| Average equity | $11,802,200 | 4,339 |
| Average total loans | $77,790,000 | 3,888 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5597% | 1,432 |
| Cost of funding earning assets | 0.6303% | 1,213 |
| Net interest margin | 3.9294% | 1,936 |
| Noninterest income to average assets | 0.1404% | 5,783 |
| Noninterest expense to average assets | 1.7572% | 5,838 |
| Loan and lease loss provision to assets | 0.0265% | 3,736 |
| Net operating income to assets | 1.8260% | 489 |
| Return on assets (ROA) | 1.8260% | 511 |
| Pretax return on assets | 1.8896% | 743 |
| Return on Equity (ROE) | 15.6855% | 637 |
| Retained earnings to average equity (ytd only) | 4.0834% | 3,553 |
| Net charge-offs to loans | -0.0192% | 5,193 |
| Credit loss provision to net charge-offs | -181.8182% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8371% | 5,875 |
| Assets per employee ($millions) | 9.2275% | 346 |
| Cash dividends to net income (ytd only)* | 73.9669% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0928% | 4,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 5,144 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 77.0381% | 1,247 |
| Net loans and leases to deposits | 87.7020% | 1,946 |
| Net loans and leases to core deposits | 93.4576% | 2,129 |
| Total domestic deposits to total assets | 87.8408% | 1,638 |
| Equity capital to assets | 11.5721% | 2,440 |
| Core capital (leverage) ratio | 11.1429% | 2,356 |
| Tier 1 risk-based capital ratio | 12.5903% | 4,690 |
| Total risk-based capital ratio | 13.5418% | 4,791 |
| Memoranda: | ||
| Average total assets | $100,689,750 | 4,498 |
| Average earning assets | $90,529,750 | 4,540 |
| Average equity | $11,721,750 | 4,405 |
| Average total loans | $76,468,000 | 3,966 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,588 |
| Cost of funding earning assets | 0.6230% | 1,272 |
| Net interest margin | 3.8596% | 2,106 |
| Noninterest income to average assets | 0.1454% | 5,835 |
| Noninterest expense to average assets | 1.7746% | 5,883 |
| Loan and lease loss provision to assets | 0.0398% | 3,320 |
| Net operating income to assets | 1.7427% | 577 |
| Return on assets (ROA) | 1.7427% | 608 |
| Pretax return on assets | 1.8104% | 876 |
| Return on Equity (ROE) | 14.9398% | 743 |
| Retained earnings to average equity (ytd only) | 14.9398% | 193 |
| Net charge-offs to loans | -0.0026% | 4,626 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9560% | 5,907 |
| Assets per employee ($millions) | 9.4409% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 4,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1512% | 5,266 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 73.3288% | 1,764 |
| Net loans and leases to deposits | 83.5706% | 2,372 |
| Net loans and leases to core deposits | 88.3567% | 2,520 |
| Total domestic deposits to total assets | 87.7448% | 1,770 |
| Equity capital to assets | 11.7082% | 2,239 |
| Core capital (leverage) ratio | 11.3887% | 2,080 |
| Tier 1 risk-based capital ratio | 14.2110% | 3,809 |
| Total risk-based capital ratio | 15.2265% | 3,880 |
| Memoranda: | ||
| Average total assets | $100,418,670 | 4,545 |
| Average earning assets | $90,527,330 | 4,585 |
| Average equity | $11,713,670 | 4,435 |
| Average total loans | $75,604,000 | 4,011 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 1,993 |
| Cost of funding earning assets | 0.6079% | 1,378 |
| Net interest margin | 3.7236% | 2,537 |
| Noninterest income to average assets | 0.1662% | 5,737 |
| Noninterest expense to average assets | 1.9371% | 5,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5602% | 765 |
| Return on assets (ROA) | 1.5602% | 805 |
| Pretax return on assets | 1.6048% | 1,262 |
| Return on Equity (ROE) | 13.4018% | 1,009 |
| Retained earnings to average equity (ytd only) | 13.4018% | 406 |
| Net charge-offs to loans | -0.0053% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6911% | 5,619 |
| Assets per employee ($millions) | 9.2688% | 328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 4,225 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 5,245 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 69.8863% | 2,161 |
| Net loans and leases to deposits | 79.4642% | 2,622 |
| Net loans and leases to core deposits | 84.0101% | 2,772 |
| Total domestic deposits to total assets | 87.9469% | 1,860 |
| Equity capital to assets | 11.4941% | 2,465 |
| Core capital (leverage) ratio | 11.3125% | 2,148 |
| Tier 1 risk-based capital ratio | 14.4511% | 3,745 |
| Total risk-based capital ratio | 15.5042% | 3,776 |
| Memoranda: | ||
| Average total assets | $98,703,000 | 4,609 |
| Average earning assets | $89,482,500 | 4,644 |
| Average equity | $11,491,000 | 4,511 |
| Average total loans | $74,903,000 | 4,053 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6255% | 1,488 |
| Cost of funding earning assets | 0.5739% | 2,012 |
| Net interest margin | 4.0516% | 1,730 |
| Noninterest income to average assets | 0.2301% | 5,481 |
| Noninterest expense to average assets | 1.8573% | 5,996 |
| Loan and lease loss provision to assets | 0.2101% | 1,191 |
| Net operating income to assets | 1.8058% | 473 |
| Return on assets (ROA) | 1.8058% | 484 |
| Pretax return on assets | 1.8783% | 670 |
| Return on Equity (ROE) | 16.3795% | 571 |
| Retained earnings to average equity (ytd only) | 12.5681% | 255 |
| Net charge-offs to loans | 0.1142% | 2,889 |
| Credit loss provision to net charge-offs | 232.5581% | 1,084 |
| Earnings coverage of net charge-offs (x) | 23.1163% | 1,603 |
| Efficiency ratio | 47.0714% | 6,222 |
| Assets per employee ($millions) | 8.6772% | 403 |
| Cash dividends to net income (ytd only)* | 23.2693% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 4,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 5,275 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 80.5509% | 663 |
| Net loans and leases to deposits | 92.6169% | 1,228 |
| Net loans and leases to core deposits | 94.7303% | 1,845 |
| Total domestic deposits to total assets | 86.9721% | 2,304 |
| Equity capital to assets | 11.8000% | 2,171 |
| Core capital (leverage) ratio | 11.6267% | 1,884 |
| Tier 1 risk-based capital ratio | 13.3448% | 4,514 |
| Total risk-based capital ratio | 14.3485% | 4,583 |
| Memoranda: | ||
| Average total assets | $95,190,800 | 4,716 |
| Average earning assets | $87,298,000 | 4,711 |
| Average equity | $10,494,800 | 4,656 |
| Average total loans | $75,324,400 | 4,009 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5982% | 1,566 |
| Cost of funding earning assets | 0.5706% | 2,099 |
| Net interest margin | 4.0276% | 1,796 |
| Noninterest income to average assets | 0.2649% | 5,314 |
| Noninterest expense to average assets | 1.7674% | 6,134 |
| Loan and lease loss provision to assets | 0.1962% | 1,224 |
| Net operating income to assets | 1.9244% | 404 |
| Return on assets (ROA) | 1.9244% | 414 |
| Pretax return on assets | 2.0015% | 565 |
| Return on Equity (ROE) | 17.7683% | 466 |
| Retained earnings to average equity (ytd only) | 12.5918% | 369 |
| Net charge-offs to loans | 0.1178% | 2,629 |
| Credit loss provision to net charge-offs | 212.1212% | 1,214 |
| Earnings coverage of net charge-offs (x) | 23.7569% | 1,574 |
| Efficiency ratio | 44.5741% | 6,344 |
| Assets per employee ($millions) | 8.7985% | 369 |
| Cash dividends to net income (ytd only)* | 29.1333% | 2,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0105% | 5,164 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1860% | 5,468 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 80.2672% | 686 |
| Net loans and leases to deposits | 95.2839% | 936 |
| Net loans and leases to core deposits | 97.4938% | 1,554 |
| Total domestic deposits to total assets | 84.2400% | 3,666 |
| Equity capital to assets | 11.2272% | 2,729 |
| Core capital (leverage) ratio | 11.1498% | 2,352 |
| Tier 1 risk-based capital ratio | 12.9243% | 4,912 |
| Total risk-based capital ratio | 13.8796% | 5,002 |
| Memoranda: | ||
| Average total assets | $95,126,250 | 4,765 |
| Average earning assets | $87,394,750 | 4,760 |
| Average equity | $10,302,750 | 4,729 |
| Average total loans | $74,726,000 | 4,060 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4786% | 1,900 |
| Cost of funding earning assets | 0.5670% | 2,193 |
| Net interest margin | 3.9116% | 2,113 |
| Noninterest income to average assets | 0.1227% | 6,187 |
| Noninterest expense to average assets | 1.6093% | 6,350 |
| Loan and lease loss provision to assets | 0.2115% | 1,119 |
| Net operating income to assets | 1.8123% | 481 |
| Return on assets (ROA) | 1.8123% | 496 |
| Pretax return on assets | 1.9054% | 678 |
| Return on Equity (ROE) | 16.9451% | 557 |
| Retained earnings to average equity (ytd only) | 12.9906% | 339 |
| Net charge-offs to loans | 0.1824% | 1,934 |
| Credit loss provision to net charge-offs | 149.2537% | 1,463 |
| Earnings coverage of net charge-offs (x) | 14.9403% | 1,884 |
| Efficiency ratio | 43.1896% | 6,445 |
| Assets per employee ($millions) | 8.7071% | 370 |
| Cash dividends to net income (ytd only)* | 23.3372% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 5,377 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 5,567 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 78.1495% | 893 |
| Net loans and leases to deposits | 88.3718% | 1,554 |
| Net loans and leases to core deposits | 90.3429% | 2,096 |
| Total domestic deposits to total assets | 88.4326% | 1,667 |
| Equity capital to assets | 11.0140% | 2,863 |
| Core capital (leverage) ratio | 10.7569% | 2,664 |
| Tier 1 risk-based capital ratio | 13.1638% | 4,809 |
| Total risk-based capital ratio | 14.1145% | 4,935 |
| Memoranda: | ||
| Average total assets | $94,574,000 | 4,810 |
| Average earning assets | $87,125,000 | 4,790 |
| Average equity | $10,115,000 | 4,777 |
| Average total loans | $73,475,330 | 4,120 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 2,051 |
| Cost of funding earning assets | 0.5661% | 2,283 |
| Net interest margin | 3.8570% | 2,243 |
| Noninterest income to average assets | 0.1149% | 6,280 |
| Noninterest expense to average assets | 1.4558% | 6,526 |
| Loan and lease loss provision to assets | 0.2128% | 1,079 |
| Net operating income to assets | 1.9345% | 376 |
| Return on assets (ROA) | 2.2900% | 212 |
| Pretax return on assets | 2.3837% | 268 |
| Return on Equity (ROE) | 21.7418% | 209 |
| Retained earnings to average equity (ytd only) | 13.6593% | 421 |
| Net charge-offs to loans | -0.0110% | 5,088 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5376% | 6,598 |
| Assets per employee ($millions) | 8.7527% | 362 |
| Cash dividends to net income (ytd only)* | 37.1747% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1053% | 5,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 5,663 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 71.6483% | 1,623 |
| Net loans and leases to deposits | 80.5105% | 2,227 |
| Net loans and leases to core deposits | 81.5508% | 2,786 |
| Total domestic deposits to total assets | 88.9925% | 1,667 |
| Equity capital to assets | 10.4560% | 3,290 |
| Core capital (leverage) ratio | 10.6794% | 2,725 |
| Tier 1 risk-based capital ratio | 13.6367% | 4,592 |
| Total risk-based capital ratio | 14.6783% | 4,678 |
| Memoranda: | ||
| Average total assets | $93,972,000 | 4,876 |
| Average earning assets | $86,906,000 | 4,845 |
| Average equity | $9,898,000 | 4,842 |
| Average total loans | $72,412,000 | 4,185 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 2,443 |
| Cost of funding earning assets | 0.6637% | 2,087 |
| Net interest margin | 3.7728% | 2,751 |
| Noninterest income to average assets | 0.1295% | 6,278 |
| Noninterest expense to average assets | 2.0892% | 5,853 |
| Loan and lease loss provision to assets | 0.0446% | 4,234 |
| Net operating income to assets | 1.3886% | 1,045 |
| Return on assets (ROA) | 1.3886% | 1,083 |
| Pretax return on assets | 1.4417% | 1,647 |
| Return on Equity (ROE) | 13.8645% | 979 |
| Retained earnings to average equity (ytd only) | 7.2926% | 1,319 |
| Net charge-offs to loans | 0.2376% | 2,553 |
| Credit loss provision to net charge-offs | 26.2500% | 4,327 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 2,618 |
| Efficiency ratio | 58.4323% | 5,688 |
| Assets per employee ($millions) | 9.1664% | 313 |
| Cash dividends to net income (ytd only)* | 47.4006% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9578% | 5,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 5,712 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 81.1125% | 483 |
| Net loans and leases to deposits | 91.3403% | 1,128 |
| Net loans and leases to core deposits | 92.5835% | 1,715 |
| Total domestic deposits to total assets | 88.8026% | 1,751 |
| Equity capital to assets | 10.6138% | 3,029 |
| Core capital (leverage) ratio | 10.5622% | 2,832 |
| Tier 1 risk-based capital ratio | 12.6736% | 5,191 |
| Total risk-based capital ratio | 13.6076% | 5,315 |
| Memoranda: | ||
| Average total assets | $94,197,200 | 4,883 |
| Average earning assets | $86,036,400 | 4,880 |
| Average equity | $9,434,200 | 4,996 |
| Average total loans | $67,343,000 | 4,363 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 2,707 |
| Cost of funding earning assets | 0.6897% | 2,020 |
| Net interest margin | 3.6757% | 3,129 |
| Noninterest income to average assets | 0.1293% | 6,371 |
| Noninterest expense to average assets | 2.2229% | 5,550 |
| Loan and lease loss provision to assets | 0.0028% | 4,902 |
| Net operating income to assets | 1.2049% | 1,613 |
| Return on assets (ROA) | 1.2049% | 1,687 |
| Pretax return on assets | 1.2457% | 2,525 |
| Return on Equity (ROE) | 12.2070% | 1,416 |
| Retained earnings to average equity (ytd only) | 3.3758% | 4,282 |
| Net charge-offs to loans | 0.2120% | 2,555 |
| Credit loss provision to net charge-offs | 1.9231% | 4,317 |
| Earnings coverage of net charge-offs (x) | 8.5387% | 2,612 |
| Efficiency ratio | 64.0340% | 4,792 |
| Assets per employee ($millions) | 8.2510% | 418 |
| Cash dividends to net income (ytd only)* | 72.3456% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0631% | 5,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1983% | 5,843 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 75.3683% | 1,091 |
| Net loans and leases to deposits | 84.5968% | 1,796 |
| Net loans and leases to core deposits | 86.5864% | 2,335 |
| Total domestic deposits to total assets | 89.0911% | 1,510 |
| Equity capital to assets | 10.3040% | 3,504 |
| Core capital (leverage) ratio | 9.9319% | 3,768 |
| Tier 1 risk-based capital ratio | 12.8575% | 5,217 |
| Total risk-based capital ratio | 13.8732% | 5,319 |
| Memoranda: | ||
| Average total assets | $94,830,500 | 4,913 |
| Average earning assets | $86,222,250 | 4,922 |
| Average equity | $9,360,500 | 5,064 |
| Average total loans | $65,411,250 | 4,469 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 3,100 |
| Cost of funding earning assets | 0.7104% | 2,001 |
| Net interest margin | 3.5543% | 3,547 |
| Noninterest income to average assets | 0.1268% | 6,420 |
| Noninterest expense to average assets | 2.3018% | 5,369 |
| Loan and lease loss provision to assets | 0.0042% | 4,735 |
| Net operating income to assets | 1.0355% | 2,177 |
| Return on assets (ROA) | 1.0355% | 2,294 |
| Pretax return on assets | 1.0667% | 3,232 |
| Return on Equity (ROE) | 10.6372% | 1,953 |
| Retained earnings to average equity (ytd only) | -0.0427% | 5,865 |
| Net charge-offs to loans | 0.3304% | 1,865 |
| Credit loss provision to net charge-offs | 1.8868% | 3,984 |
| Earnings coverage of net charge-offs (x) | 4.8585% | 3,017 |
| Efficiency ratio | 68.2491% | 4,139 |
| Assets per employee ($millions) | 8.6421% | 351 |
| Cash dividends to net income (ytd only)* | 100.4016% | 510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 5,245 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1893% | 5,924 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 66.2992% | 2,539 |
| Net loans and leases to deposits | 73.8156% | 3,186 |
| Net loans and leases to core deposits | 75.4576% | 3,616 |
| Total domestic deposits to total assets | 89.8173% | 1,143 |
| Equity capital to assets | 9.5957% | 4,456 |
| Core capital (leverage) ratio | 9.3798% | 4,417 |
| Tier 1 risk-based capital ratio | 13.4331% | 4,818 |
| Total risk-based capital ratio | 14.5192% | 4,886 |
| Memoranda: | ||
| Average total assets | $96,187,000 | 4,910 |
| Average earning assets | $87,838,000 | 4,903 |
| Average equity | $9,363,330 | 5,089 |
| Average total loans | $64,168,330 | 4,528 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4581% | 2,324 |
| Cost of funding earning assets | 0.7733% | 1,690 |
| Net interest margin | 3.6847% | 2,919 |
| Noninterest income to average assets | 0.1282% | 6,454 |
| Noninterest expense to average assets | 2.5840% | 4,453 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8682% | 2,816 |
| Return on assets (ROA) | 0.8682% | 2,960 |
| Pretax return on assets | 0.8930% | 3,789 |
| Return on Equity (ROE) | 8.8570% | 2,548 |
| Retained earnings to average equity (ytd only) | 8.8570% | 1,430 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3163% | 3,212 |
| Assets per employee ($millions) | 9.1270% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 4,427 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 6,032 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 60.5257% | 3,340 |
| Net loans and leases to deposits | 67.3449% | 3,868 |
| Net loans and leases to core deposits | 68.1439% | 4,287 |
| Total domestic deposits to total assets | 89.8742% | 1,125 |
| Equity capital to assets | 9.5361% | 4,799 |
| Core capital (leverage) ratio | 9.4659% | 4,141 |
| Tier 1 risk-based capital ratio | 14.0090% | 4,496 |
| Total risk-based capital ratio | 15.2728% | 4,449 |
| Memoranda: | ||
| Average total assets | $96,749,000 | 4,937 |
| Average earning assets | $87,930,500 | 4,937 |
| Average equity | $9,484,000 | 5,113 |
| Average total loans | $64,373,000 | 4,547 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6701% | 2,708 |
| Cost of funding earning assets | 1.0381% | 1,173 |
| Net interest margin | 3.6321% | 3,954 |
| Noninterest income to average assets | 0.1479% | 6,299 |
| Noninterest expense to average assets | 2.0753% | 6,177 |
| Loan and lease loss provision to assets | 0.1145% | 4,202 |
| Net operating income to assets | 1.1601% | 1,735 |
| Return on assets (ROA) | 1.2381% | 1,646 |
| Pretax return on assets | 1.2964% | 2,420 |
| Return on Equity (ROE) | 13.0367% | 1,214 |
| Retained earnings to average equity (ytd only) | 6.0743% | 2,032 |
| Net charge-offs to loans | 0.0206% | 5,617 |
| Credit loss provision to net charge-offs | 846.1538% | 292 |
| Earnings coverage of net charge-offs (x) | 98.2308% | 392 |
| Efficiency ratio | 60.9480% | 5,395 |
| Assets per employee ($millions) | 8.4637% | 406 |
| Cash dividends to net income (ytd only)* | 53.4062% | 2,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 4,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 6,080 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 71.2194% | 1,614 |
| Net loans and leases to deposits | 79.8146% | 2,309 |
| Net loans and leases to core deposits | 80.8442% | 2,898 |
| Total domestic deposits to total assets | 89.2311% | 1,417 |
| Equity capital to assets | 10.0901% | 4,046 |
| Core capital (leverage) ratio | 9.3937% | 4,263 |
| Tier 1 risk-based capital ratio | 12.5448% | 5,438 |
| Total risk-based capital ratio | 13.7027% | 5,461 |
| Memoranda: | ||
| Average total assets | $96,036,400 | 4,939 |
| Average earning assets | $86,122,000 | 4,960 |
| Average equity | $9,120,400 | 5,192 |
| Average total loans | $63,148,000 | 4,593 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8205% | 2,313 |
| Cost of funding earning assets | 1.0849% | 1,125 |
| Net interest margin | 3.7356% | 3,634 |
| Noninterest income to average assets | 0.1447% | 6,419 |
| Noninterest expense to average assets | 2.0033% | 6,352 |
| Loan and lease loss provision to assets | 0.1516% | 3,643 |
| Net operating income to assets | 1.2633% | 1,533 |
| Return on assets (ROA) | 1.3654% | 1,431 |
| Pretax return on assets | 1.4370% | 2,126 |
| Return on Equity (ROE) | 14.5968% | 978 |
| Retained earnings to average equity (ytd only) | 5.2436% | 3,193 |
| Net charge-offs to loans | 0.2531% | 3,203 |
| Credit loss provision to net charge-offs | 93.2203% | 3,203 |
| Earnings coverage of net charge-offs (x) | 9.1102% | 2,366 |
| Efficiency ratio | 57.4931% | 5,854 |
| Assets per employee ($millions) | 8.7328% | 365 |
| Cash dividends to net income (ytd only)* | 64.0770% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 5,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1874% | 6,237 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 64.0832% | 3,012 |
| Net loans and leases to deposits | 71.4523% | 3,680 |
| Net loans and leases to core deposits | 72.1068% | 4,235 |
| Total domestic deposits to total assets | 89.6868% | 1,020 |
| Equity capital to assets | 9.5960% | 5,066 |
| Core capital (leverage) ratio | 9.3271% | 4,533 |
| Tier 1 risk-based capital ratio | 13.0154% | 5,234 |
| Total risk-based capital ratio | 14.0895% | 5,347 |
| Memoranda: | ||
| Average total assets | $96,770,250 | 4,967 |
| Average earning assets | $86,517,750 | 4,998 |
| Average equity | $9,052,000 | 5,254 |
| Average total loans | $62,149,250 | 4,674 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9659% | 1,884 |
| Cost of funding earning assets | 1.1086% | 1,184 |
| Net interest margin | 3.8573% | 3,103 |
| Noninterest income to average assets | 0.1402% | 6,492 |
| Noninterest expense to average assets | 1.8885% | 6,617 |
| Loan and lease loss provision to assets | 0.2268% | 2,806 |
| Net operating income to assets | 1.4205% | 1,147 |
| Return on assets (ROA) | 1.4597% | 1,201 |
| Pretax return on assets | 1.5380% | 1,755 |
| Return on Equity (ROE) | 15.7392% | 809 |
| Retained earnings to average equity (ytd only) | 4.7351% | 3,457 |
| Net charge-offs to loans | 0.3865% | 2,477 |
| Credit loss provision to net charge-offs | 91.6667% | 2,987 |
| Earnings coverage of net charge-offs (x) | 6.9667% | 2,550 |
| Efficiency ratio | 52.2831% | 6,475 |
| Assets per employee ($millions) | 8.7105% | 358 |
| Cash dividends to net income (ytd only)* | 69.9153% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1332% | 5,633 |
| Loan loss allowance to noncurrent loans | 180.6931% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.6095% | 5,245 |
| Noncurrent loans to loans | 0.6271% | 5,255 |
| Net loans and leases to total assets | 66.4708% | 2,576 |
| Net loans and leases to deposits | 74.0690% | 3,284 |
| Net loans and leases to core deposits | 74.4866% | 3,957 |
| Total domestic deposits to total assets | 89.7417% | 1,078 |
| Equity capital to assets | 9.5288% | 5,022 |
| Core capital (leverage) ratio | 9.0219% | 4,882 |
| Tier 1 risk-based capital ratio | 12.6387% | 5,464 |
| Total risk-based capital ratio | 13.6957% | 5,585 |
| Memoranda: | ||
| Average total assets | $97,006,670 | 4,978 |
| Average earning assets | $87,314,670 | 5,014 |
| Average equity | $8,996,670 | 5,271 |
| Average total loans | $62,102,000 | 4,711 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5969% | 629 |
| Cost of funding earning assets | 1.1441% | 1,197 |
| Net interest margin | 4.4528% | 1,103 |
| Noninterest income to average assets | 0.1352% | 6,575 |
| Noninterest expense to average assets | 1.8770% | 6,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1157% | 337 |
| Return on assets (ROA) | 2.1311% | 385 |
| Pretax return on assets | 2.2622% | 481 |
| Return on Equity (ROE) | 23.2923% | 230 |
| Retained earnings to average equity (ytd only) | 1.1198% | 5,635 |
| Net charge-offs to loans | -0.0066% | 5,844 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5268% | 6,926 |
| Assets per employee ($millions) | 8.0956% | 461 |
| Cash dividends to net income (ytd only)* | 95.1923% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 5,387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4298% | 3,717 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 61.7230% | 3,311 |
| Net loans and leases to deposits | 68.5084% | 3,972 |
| Net loans and leases to core deposits | 68.8878% | 4,578 |
| Total domestic deposits to total assets | 90.0954% | 1,032 |
| Equity capital to assets | 9.1881% | 5,250 |
| Core capital (leverage) ratio | 8.9167% | 4,974 |
| Tier 1 risk-based capital ratio | 13.2706% | 5,014 |
| Total risk-based capital ratio | 14.4236% | 5,051 |
| Memoranda: | ||
| Average total assets | $97,602,500 | 4,994 |
| Average earning assets | $87,406,000 | 5,044 |
| Average equity | $8,930,000 | 5,306 |
| Average total loans | $60,943,500 | 4,773 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9221% | 3,258 |
| Cost of funding earning assets | 1.4823% | 763 |
| Net interest margin | 3.4398% | 5,366 |
| Noninterest income to average assets | 0.1720% | 6,253 |
| Noninterest expense to average assets | 1.9004% | 6,832 |
| Loan and lease loss provision to assets | 0.1609% | 4,619 |
| Net operating income to assets | 1.1492% | 1,672 |
| Return on assets (ROA) | 1.2026% | 1,614 |
| Pretax return on assets | 1.2622% | 2,265 |
| Return on Equity (ROE) | 13.0241% | 1,161 |
| Retained earnings to average equity (ytd only) | 13.0241% | 223 |
| Net charge-offs to loans | -0.0157% | 6,929 |
| Credit loss provision to net charge-offs | -1,622.2222% | 6,893 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1646% | 6,031 |
| Assets per employee ($millions) | 8.9144% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 5,335 |
| Loan loss allowance to noncurrent loans | 6,175.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.4406% | 5,864 |
| Noncurrent loans to loans | 0.0196% | 6,779 |
| Net loans and leases to total assets | 61.6390% | 3,672 |
| Net loans and leases to deposits | 68.3810% | 4,385 |
| Net loans and leases to core deposits | 68.7560% | 4,938 |
| Total domestic deposits to total assets | 90.1405% | 920 |
| Equity capital to assets | 9.1109% | 5,400 |
| Core capital (leverage) ratio | 8.8965% | 4,948 |
| Tier 1 risk-based capital ratio | 12.6141% | 5,359 |
| Total risk-based capital ratio | 13.7118% | 5,462 |
| Memoranda: | ||
| Average total assets | $90,718,000 | 5,163 |
| Average earning assets | $81,632,200 | 5,181 |
| Average equity | $8,376,800 | 5,450 |
| Average total loans | $57,278,400 | 4,973 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 2,482 |
| Cost of funding earning assets | 1.5577% | 703 |
| Net interest margin | 3.5695% | 4,903 |
| Noninterest income to average assets | 0.1725% | 6,351 |
| Noninterest expense to average assets | 1.8856% | 6,866 |
| Loan and lease loss provision to assets | 0.1440% | 4,642 |
| Net operating income to assets | 1.2901% | 1,403 |
| Return on assets (ROA) | 1.2901% | 1,500 |
| Pretax return on assets | 1.3501% | 2,116 |
| Return on Equity (ROE) | 13.9198% | 1,053 |
| Retained earnings to average equity (ytd only) | 13.9198% | 297 |
| Net charge-offs to loans | -0.0190% | 6,899 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7923% | 6,310 |
| Assets per employee ($millions) | 7.4301% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 5,711 |
| Loan loss allowance to noncurrent loans | 5,750.0000% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.4845% | 5,874 |
| Noncurrent loans to loans | 0.0199% | 6,891 |
| Net loans and leases to total assets | 66.8543% | 2,702 |
| Net loans and leases to deposits | 74.8543% | 3,536 |
| Net loans and leases to core deposits | 75.3016% | 4,278 |
| Total domestic deposits to total assets | 89.3126% | 1,247 |
| Equity capital to assets | 9.7969% | 4,627 |
| Core capital (leverage) ratio | 9.2003% | 4,630 |
| Tier 1 risk-based capital ratio | 12.7796% | 5,266 |
| Total risk-based capital ratio | 13.8427% | 5,393 |
| Memoranda: | ||
| Average total assets | $88,883,000 | 5,252 |
| Average earning assets | $79,861,000 | 5,273 |
| Average equity | $8,237,500 | 5,528 |
| Average total loans | $56,302,250 | 5,064 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9315% | 3,486 |
| Cost of funding earning assets | 1.5922% | 715 |
| Net interest margin | 3.3392% | 5,745 |
| Noninterest income to average assets | 0.1599% | 6,515 |
| Noninterest expense to average assets | 1.9980% | 6,800 |
| Loan and lease loss provision to assets | 0.0293% | 5,943 |
| Net operating income to assets | 1.0609% | 1,998 |
| Return on assets (ROA) | 1.0609% | 2,093 |
| Pretax return on assets | 1.1465% | 2,682 |
| Return on Equity (ROE) | 11.6704% | 1,586 |
| Retained earnings to average equity (ytd only) | 11.6704% | 567 |
| Net charge-offs to loans | -0.0146% | 6,760 |
| Credit loss provision to net charge-offs | -325.0000% | 6,447 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9524% | 5,410 |
| Assets per employee ($millions) | 7.4493% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0534% | 6,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 5,979 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 63.3621% | 3,610 |
| Net loans and leases to deposits | 70.5856% | 4,356 |
| Net loans and leases to core deposits | 71.2883% | 4,916 |
| Total domestic deposits to total assets | 89.7663% | 1,087 |
| Equity capital to assets | 9.3309% | 5,099 |
| Core capital (leverage) ratio | 8.7387% | 5,162 |
| Tier 1 risk-based capital ratio | 12.7191% | 5,160 |
| Total risk-based capital ratio | 13.6907% | 5,387 |
| Memoranda: | ||
| Average total assets | $88,790,330 | 5,294 |
| Average earning assets | $80,138,330 | 5,319 |
| Average equity | $8,071,670 | 5,591 |
| Average total loans | $54,970,330 | 5,172 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7389% | 4,335 |
| Cost of funding earning assets | 1.6278% | 735 |
| Net interest margin | 3.1112% | 6,324 |
| Noninterest income to average assets | 0.1537% | 6,618 |
| Noninterest expense to average assets | 1.9347% | 6,929 |
| Loan and lease loss provision to assets | 0.0452% | 5,435 |
| Net operating income to assets | 0.9402% | 2,395 |
| Return on assets (ROA) | 0.9402% | 2,458 |
| Pretax return on assets | 0.9990% | 3,133 |
| Return on Equity (ROE) | 10.4826% | 1,916 |
| Retained earnings to average equity (ytd only) | 10.4826% | 997 |
| Net charge-offs to loans | -0.0149% | 6,477 |
| Credit loss provision to net charge-offs | -500.0000% | 5,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9469% | 5,195 |
| Assets per employee ($millions) | 7.4702% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1357% | 5,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 6,047 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.0699% | 4,638 |
| Net loans and leases to deposits | 64.4285% | 5,197 |
| Net loans and leases to core deposits | 65.2711% | 5,590 |
| Total domestic deposits to total assets | 90.1307% | 1,077 |
| Equity capital to assets | 8.9623% | 5,259 |
| Core capital (leverage) ratio | 8.5036% | 5,444 |
| Tier 1 risk-based capital ratio | 13.1196% | 4,736 |
| Total risk-based capital ratio | 14.1477% | 4,890 |
| Memoranda: | ||
| Average total assets | $88,490,000 | 5,340 |
| Average earning assets | $80,355,500 | 5,348 |
| Average equity | $7,937,000 | 5,633 |
| Average total loans | $53,834,000 | 5,261 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0714% | 4,226 |
| Cost of funding earning assets | 2.0270% | 550 |
| Net interest margin | 3.0444% | 6,651 |
| Noninterest income to average assets | 0.2210% | 6,225 |
| Noninterest expense to average assets | 1.9901% | 7,040 |
| Loan and lease loss provision to assets | 0.2092% | 5,158 |
| Net operating income to assets | 0.7448% | 3,019 |
| Return on assets (ROA) | 0.8440% | 2,752 |
| Pretax return on assets | 0.8675% | 3,415 |
| Return on Equity (ROE) | 9.4938% | 2,111 |
| Retained earnings to average equity (ytd only) | 8.2377% | 906 |
| Net charge-offs to loans | 0.3333% | 4,341 |
| Credit loss provision to net charge-offs | 95.1872% | 4,885 |
| Earnings coverage of net charge-offs (x) | 4.4332% | 2,923 |
| Efficiency ratio | 67.1293% | 4,737 |
| Assets per employee ($millions) | 7.2782% | 653 |
| Cash dividends to net income (ytd only)* | 13.2312% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0652% | 6,090 |
| Loan loss allowance to noncurrent loans | 53.9098% | 4,793 |
| Noncurrent assets plus other real estate owned to assets | 1.7255% | 3,712 |
| Noncurrent loans to loans | 1.9758% | 3,599 |
| Net loans and leases to total assets | 62.3200% | 4,220 |
| Net loans and leases to deposits | 69.2041% | 4,928 |
| Net loans and leases to core deposits | 70.3790% | 5,417 |
| Total domestic deposits to total assets | 90.0524% | 1,066 |
| Equity capital to assets | 8.9766% | 5,178 |
| Core capital (leverage) ratio | 8.3910% | 5,554 |
| Tier 1 risk-based capital ratio | 12.4361% | 5,076 |
| Total risk-based capital ratio | 13.4178% | 5,297 |
| Memoranda: | ||
| Average total assets | $85,069,800 | 5,436 |
| Average earning assets | $76,665,600 | 5,457 |
| Average equity | $7,562,800 | 5,857 |
| Average total loans | $56,109,200 | 5,229 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1161% | 4,237 |
| Cost of funding earning assets | 2.1231% | 497 |
| Net interest margin | 2.9930% | 6,851 |
| Noninterest income to average assets | 0.2256% | 6,284 |
| Noninterest expense to average assets | 2.0149% | 7,025 |
| Loan and lease loss provision to assets | 0.0473% | 6,610 |
| Net operating income to assets | 0.8277% | 2,885 |
| Return on assets (ROA) | 0.9609% | 2,497 |
| Pretax return on assets | 0.9877% | 3,226 |
| Return on Equity (ROE) | 10.8358% | 1,843 |
| Retained earnings to average equity (ytd only) | 9.1455% | 1,012 |
| Net charge-offs to loans | 0.4398% | 3,539 |
| Credit loss provision to net charge-offs | 16.1290% | 6,281 |
| Earnings coverage of net charge-offs (x) | 3.0592% | 3,603 |
| Efficiency ratio | 69.1766% | 4,229 |
| Assets per employee ($millions) | 8.6095% | 397 |
| Cash dividends to net income (ytd only)* | 15.5989% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 6,987 |
| Loan loss allowance to noncurrent loans | 29.1501% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 1.7492% | 3,820 |
| Noncurrent loans to loans | 2.7692% | 2,871 |
| Net loans and leases to total assets | 62.6564% | 4,397 |
| Net loans and leases to deposits | 69.6312% | 5,202 |
| Net loans and leases to core deposits | 71.1944% | 5,614 |
| Total domestic deposits to total assets | 89.9832% | 891 |
| Equity capital to assets | 8.9761% | 5,609 |
| Core capital (leverage) ratio | 8.4875% | 5,535 |
| Tier 1 risk-based capital ratio | 12.1892% | 5,285 |
| Total risk-based capital ratio | 12.9208% | 5,735 |
| Memoranda: | ||
| Average total assets | $84,502,750 | 5,521 |
| Average earning assets | $75,863,000 | 5,551 |
| Average equity | $7,493,500 | 5,946 |
| Average total loans | $56,382,750 | 5,297 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9006% | 1,184 |
| Cost of funding earning assets | 2.2184% | 437 |
| Net interest margin | 3.6822% | 4,440 |
| Noninterest income to average assets | 0.2191% | 6,346 |
| Noninterest expense to average assets | 2.3365% | 6,253 |
| Loan and lease loss provision to assets | 0.0476% | 6,490 |
| Net operating income to assets | 1.1099% | 1,819 |
| Return on assets (ROA) | 1.1099% | 1,889 |
| Pretax return on assets | 1.1361% | 2,651 |
| Return on Equity (ROE) | 12.5686% | 1,334 |
| Retained earnings to average equity (ytd only) | 10.0063% | 845 |
| Net charge-offs to loans | 0.0105% | 6,202 |
| Credit loss provision to net charge-offs | 666.6667% | 557 |
| Earnings coverage of net charge-offs (x) | 165.6667% | 213 |
| Efficiency ratio | 66.3735% | 4,914 |
| Assets per employee ($millions) | 7.7628% | 552 |
| Cash dividends to net income (ytd only)* | 20.3863% | 2,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0745% | 6,063 |
| Loan loss allowance to noncurrent loans | 174.3590% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 6,421 |
| Noncurrent loans to loans | 0.6162% | 6,016 |
| Net loans and leases to total assets | 65.9870% | 3,833 |
| Net loans and leases to deposits | 73.2445% | 4,800 |
| Net loans and leases to core deposits | 75.3614% | 5,266 |
| Total domestic deposits to total assets | 90.0915% | 882 |
| Equity capital to assets | 8.8651% | 5,652 |
| Core capital (leverage) ratio | 8.3100% | 5,747 |
| Tier 1 risk-based capital ratio | 11.6577% | 5,623 |
| Total risk-based capital ratio | 12.6526% | 5,842 |
| Memoranda: | ||
| Average total assets | $83,972,000 | 5,562 |
| Average earning assets | $75,280,670 | 5,597 |
| Average equity | $7,415,330 | 5,993 |
| Average total loans | $57,049,330 | 5,303 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9156% | 1,168 |
| Cost of funding earning assets | 2.2604% | 479 |
| Net interest margin | 3.6551% | 4,464 |
| Noninterest income to average assets | 0.1970% | 6,550 |
| Noninterest expense to average assets | 1.9985% | 7,164 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4604% | 962 |
| Return on assets (ROA) | 1.4604% | 1,037 |
| Pretax return on assets | 1.4845% | 1,557 |
| Return on Equity (ROE) | 16.5713% | 645 |
| Retained earnings to average equity (ytd only) | 16.5713% | 304 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3793% | 6,581 |
| Assets per employee ($millions) | 7.0700% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 6,028 |
| Loan loss allowance to noncurrent loans | 169.0341% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 6,436 |
| Noncurrent loans to loans | 0.6477% | 6,028 |
| Net loans and leases to total assets | 63.3522% | 4,460 |
| Net loans and leases to deposits | 70.2983% | 5,301 |
| Net loans and leases to core deposits | 71.9855% | 5,713 |
| Total domestic deposits to total assets | 90.1190% | 928 |
| Equity capital to assets | 8.8402% | 5,481 |
| Core capital (leverage) ratio | 8.3530% | 5,636 |
| Tier 1 risk-based capital ratio | 11.7687% | 5,435 |
| Total risk-based capital ratio | 12.7545% | 5,649 |
| Memoranda: | ||
| Average total assets | $83,262,500 | 5,656 |
| Average earning assets | $74,853,500 | 5,674 |
| Average equity | $7,338,000 | 6,073 |
| Average total loans | $57,094,500 | 5,379 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3299% | 965 |
| Cost of funding earning assets | 2.6350% | 699 |
| Net interest margin | 3.6949% | 4,167 |
| Noninterest income to average assets | 0.2212% | 6,531 |
| Noninterest expense to average assets | 2.5159% | 6,071 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0173% | 1,783 |
| Return on assets (ROA) | 1.0173% | 1,829 |
| Pretax return on assets | 1.0745% | 2,323 |
| Return on Equity (ROE) | 10.9053% | 1,453 |
| Retained earnings to average equity (ytd only) | 1.7013% | 3,892 |
| Net charge-offs to loans | 0.0989% | 6,145 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 14.4912% | 1,367 |
| Efficiency ratio | 70.0725% | 4,611 |
| Assets per employee ($millions) | 6.8071% | 864 |
| Cash dividends to net income (ytd only)* | 84.3990% | 1,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 6,426 |
| Loan loss allowance to noncurrent loans | 169.5157% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.4297% | 6,387 |
| Noncurrent loans to loans | 0.5865% | 6,067 |
| Net loans and leases to total assets | 72.5360% | 2,624 |
| Net loans and leases to deposits | 80.5763% | 3,877 |
| Net loans and leases to core deposits | 102.7432% | 3,715 |
| Total domestic deposits to total assets | 90.0214% | 947 |
| Equity capital to assets | 8.7850% | 5,463 |
| Core capital (leverage) ratio | 8.3511% | 5,534 |
| Tier 1 risk-based capital ratio | 10.5254% | 6,371 |
| Total risk-based capital ratio | 11.4465% | 6,661 |
| Memoranda: | ||
| Average total assets | $76,870,600 | 5,812 |
| Average earning assets | $70,096,200 | 5,809 |
| Average equity | $7,170,800 | 6,210 |
| Average total loans | $57,606,800 | 5,357 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3494% | 1,028 |
| Cost of funding earning assets | 2.7003% | 790 |
| Net interest margin | 3.6491% | 4,279 |
| Noninterest income to average assets | 0.2185% | 6,666 |
| Noninterest expense to average assets | 2.3453% | 6,572 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1612% | 1,560 |
| Return on assets (ROA) | 1.1612% | 1,618 |
| Pretax return on assets | 1.2141% | 2,220 |
| Return on Equity (ROE) | 12.2552% | 1,296 |
| Retained earnings to average equity (ytd only) | 3.7008% | 3,217 |
| Net charge-offs to loans | 0.0771% | 5,908 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 20.8782% | 1,221 |
| Efficiency ratio | 65.8911% | 5,386 |
| Assets per employee ($millions) | 7.1168% | 745 |
| Cash dividends to net income (ytd only)* | 69.8033% | 1,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 5,983 |
| Loan loss allowance to noncurrent loans | 176.3533% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.4484% | 6,338 |
| Noncurrent loans to loans | 0.5983% | 6,110 |
| Net loans and leases to total assets | 74.1547% | 2,483 |
| Net loans and leases to deposits | 83.0429% | 3,819 |
| Net loans and leases to core deposits | 106.1086% | 3,690 |
| Total domestic deposits to total assets | 89.2968% | 1,061 |
| Equity capital to assets | 9.3198% | 5,001 |
| Core capital (leverage) ratio | 8.8285% | 4,933 |
| Tier 1 risk-based capital ratio | 10.9607% | 5,986 |
| Total risk-based capital ratio | 11.9476% | 6,226 |
| Memoranda: | ||
| Average total assets | $75,667,000 | 5,886 |
| Average earning assets | $69,275,250 | 5,870 |
| Average equity | $7,169,500 | 6,269 |
| Average total loans | $57,047,000 | 5,427 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2479% | 1,335 |
| Cost of funding earning assets | 2.7846% | 825 |
| Net interest margin | 3.4633% | 4,955 |
| Noninterest income to average assets | 0.2032% | 6,836 |
| Noninterest expense to average assets | 2.4387% | 6,342 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9092% | 2,423 |
| Return on assets (ROA) | 0.9092% | 2,522 |
| Pretax return on assets | 0.9306% | 3,239 |
| Return on Equity (ROE) | 9.5407% | 2,177 |
| Retained earnings to average equity (ytd only) | 1.1224% | 4,709 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3810% | 4,333 |
| Assets per employee ($millions) | 7.7036% | 559 |
| Cash dividends to net income (ytd only)* | 88.2353% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 5,331 |
| Loan loss allowance to noncurrent loans | 158.8808% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5335% | 6,100 |
| Noncurrent loans to loans | 0.7177% | 5,801 |
| Net loans and leases to total assets | 73.4890% | 2,845 |
| Net loans and leases to deposits | 82.1598% | 4,198 |
| Net loans and leases to core deposits | 105.8721% | 3,853 |
| Total domestic deposits to total assets | 89.4465% | 1,066 |
| Equity capital to assets | 9.1853% | 5,039 |
| Core capital (leverage) ratio | 8.6824% | 5,120 |
| Tier 1 risk-based capital ratio | 10.9484% | 5,932 |
| Total risk-based capital ratio | 12.0131% | 6,058 |
| Memoranda: | ||
| Average total assets | $74,794,330 | 5,954 |
| Average earning assets | $68,375,000 | 5,939 |
| Average equity | $7,127,330 | 6,331 |
| Average total loans | $56,505,670 | 5,490 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4149% | 1,038 |
| Cost of funding earning assets | 2.8969% | 774 |
| Net interest margin | 3.5180% | 4,659 |
| Noninterest income to average assets | 0.2009% | 6,851 |
| Noninterest expense to average assets | 2.5572% | 5,619 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7873% | 3,183 |
| Return on assets (ROA) | 0.7873% | 3,347 |
| Pretax return on assets | 0.8416% | 3,920 |
| Return on Equity (ROE) | 8.1085% | 3,095 |
| Retained earnings to average equity (ytd only) | 8.1085% | 1,771 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2396% | 3,613 |
| Assets per employee ($millions) | 6.8795% | 822 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 4,551 |
| Loan loss allowance to noncurrent loans | 341.3613% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 6,217 |
| Noncurrent loans to loans | 0.3618% | 6,526 |
| Net loans and leases to total assets | 68.9087% | 3,937 |
| Net loans and leases to deposits | 77.1607% | 5,065 |
| Net loans and leases to core deposits | 95.9377% | 4,974 |
| Total domestic deposits to total assets | 89.3054% | 1,098 |
| Equity capital to assets | 9.4762% | 4,703 |
| Core capital (leverage) ratio | 8.9408% | 4,808 |
| Tier 1 risk-based capital ratio | 11.7219% | 5,189 |
| Total risk-based capital ratio | 12.8424% | 5,217 |
| Memoranda: | ||
| Average total assets | $73,673,500 | 6,010 |
| Average earning assets | $66,969,000 | 6,006 |
| Average equity | $7,153,000 | 6,352 |
| Average total loans | $56,125,500 | 5,536 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4165% | 479 |
| Cost of funding earning assets | 3.4370% | 633 |
| Net interest margin | 3.9795% | 3,219 |
| Noninterest income to average assets | 0.2465% | 6,682 |
| Noninterest expense to average assets | 2.3348% | 6,603 |
| Loan and lease loss provision to assets | 0.0685% | 6,534 |
| Net operating income to assets | 1.1871% | 1,817 |
| Return on assets (ROA) | 1.1871% | 1,741 |
| Pretax return on assets | 1.4802% | 1,737 |
| Return on Equity (ROE) | 11.7515% | 1,669 |
| Retained earnings to average equity (ytd only) | 7.4205% | 1,011 |
| Net charge-offs to loans | 0.0808% | 5,613 |
| Credit loss provision to net charge-offs | 102.1739% | 5,208 |
| Earnings coverage of net charge-offs (x) | 23.0870% | 1,434 |
| Efficiency ratio | 60.1202% | 6,317 |
| Assets per employee ($millions) | 5.9728% | 1,151 |
| Cash dividends to net income (ytd only)* | 36.8550% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 5,315 |
| Loan loss allowance to noncurrent loans | 341.3613% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 5,651 |
| Noncurrent loans to loans | 0.3213% | 6,410 |
| Net loans and leases to total assets | 82.0407% | 1,223 |
| Net loans and leases to deposits | 93.5785% | 2,840 |
| Net loans and leases to core deposits | 123.3061% | 2,376 |
| Total domestic deposits to total assets | 87.6704% | 1,626 |
| Equity capital to assets | 9.9549% | 4,092 |
| Core capital (leverage) ratio | 9.4854% | 4,030 |
| Tier 1 risk-based capital ratio | 10.7626% | 5,947 |
| Total risk-based capital ratio | 11.7982% | 6,059 |
| Memoranda: | ||
| Average total assets | $68,570,600 | 6,074 |
| Average earning assets | $62,671,000 | 6,067 |
| Average equity | $6,926,800 | 6,484 |
| Average total loans | $56,959,000 | 5,412 |