Home > Harvest Bank > Performance and Condition Ratios
Harvest Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5477% | 3,015 |
| Cost of funding earning assets | 1.7289% | 1,391 |
| Net interest margin | 2.8188% | 3,629 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 1.9250% | 3,783 |
| Loan and lease loss provision to assets | 0.1600% | 816 |
| Net operating income to assets | 0.7347% | 3,095 |
| Return on assets (ROA) | 0.7090% | 3,144 |
| Pretax return on assets | 0.7184% | 3,397 |
| Return on Equity (ROE) | 13.0500% | 1,717 |
| Retained earnings to average equity (ytd only) | 6.8655% | 1,928 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 68.0063% | 2,110 |
| Assets per employee ($millions) | 6.9535% | 2,104 |
| Cash dividends to net income (ytd only)* | 47.3784% | 1,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 2,475 |
| Loan loss allowance to noncurrent loans | 116.7114% | 3,109 |
| Noncurrent assets plus other real estate owned to assets | 0.6493% | 827 |
| Noncurrent loans to loans | 0.9982% | 741 |
| Net loans and leases to total assets | 64.2900% | 2,434 |
| Net loans and leases to deposits | 70.5214% | 2,847 |
| Net loans and leases to core deposits | 71.9821% | 3,194 |
| Total domestic deposits to total assets | 91.1700% | 459 |
| Equity capital to assets | 5.7735% | 4,283 |
| Core capital (leverage) ratio | 7.8688% | 4,400 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1851% | 2,172 |
| Memoranda: | ||
| Average total assets | $223,268,400 | 2,827 |
| Average earning assets | $211,118,800 | 2,798 |
| Average equity | $12,133,200 | 3,514 |
| Average total loans | $142,392,000 | 2,740 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4961% | 2,928 |
| Cost of funding earning assets | 1.6504% | 1,276 |
| Net interest margin | 2.8457% | 3,652 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 1.9261% | 3,766 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 0.8611% | 2,826 |
| Return on assets (ROA) | 0.8256% | 2,931 |
| Pretax return on assets | 0.8028% | 3,327 |
| Return on Equity (ROE) | 15.4400% | 1,363 |
| Retained earnings to average equity (ytd only) | 15.4424% | 513 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 68.1055% | 2,000 |
| Assets per employee ($millions) | 6.5845% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 3,017 |
| Loan loss allowance to noncurrent loans | 94.4512% | 3,256 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 769 |
| Noncurrent loans to loans | 1.1335% | 694 |
| Net loans and leases to total assets | 63.9400% | 2,455 |
| Net loans and leases to deposits | 70.1668% | 2,833 |
| Net loans and leases to core deposits | 71.5634% | 3,124 |
| Total domestic deposits to total assets | 91.1200% | 643 |
| Equity capital to assets | 5.5205% | 4,135 |
| Core capital (leverage) ratio | 8.1733% | 4,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2864% | 2,166 |
| Memoranda: | ||
| Average total assets | $221,719,500 | 2,851 |
| Average earning assets | $209,480,500 | 2,820 |
| Average equity | $11,854,500 | 3,534 |
| Average total loans | $140,673,250 | 2,770 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3665% | 2,968 |
| Cost of funding earning assets | 1.5177% | 1,211 |
| Net interest margin | 2.8488% | 3,735 |
| Noninterest income to average assets | 0.1400% | 4,111 |
| Noninterest expense to average assets | 1.9602% | 3,688 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 0.8724% | 2,840 |
| Return on assets (ROA) | 0.8190% | 3,034 |
| Pretax return on assets | 0.7846% | 3,428 |
| Return on Equity (ROE) | 15.4900% | 1,367 |
| Retained earnings to average equity (ytd only) | 15.4882% | 519 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.0689% | 1,859 |
| Assets per employee ($millions) | 6.4780% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 3,169 |
| Loan loss allowance to noncurrent loans | 96.8099% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.6974% | 751 |
| Noncurrent loans to loans | 1.0877% | 664 |
| Net loans and leases to total assets | 63.4400% | 2,439 |
| Net loans and leases to deposits | 69.6143% | 2,816 |
| Net loans and leases to core deposits | 70.1051% | 3,124 |
| Total domestic deposits to total assets | 91.1300% | 613 |
| Equity capital to assets | 5.6204% | 4,261 |
| Core capital (leverage) ratio | 8.1268% | 4,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1937% | 2,218 |
| Memoranda: | ||
| Average total assets | $221,001,667 | 2,864 |
| Average earning assets | $208,999,667 | 2,832 |
| Average equity | $11,686,333 | 3,570 |
| Average total loans | $139,336,667 | 2,779 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2741% | 2,867 |
| Cost of funding earning assets | 1.2945% | 1,238 |
| Net interest margin | 2.9796% | 3,644 |
| Noninterest income to average assets | 0.1600% | 4,021 |
| Noninterest expense to average assets | 1.9315% | 3,787 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0137% | 2,489 |
| Return on assets (ROA) | 0.9070% | 2,786 |
| Pretax return on assets | 0.9070% | 3,215 |
| Return on Equity (ROE) | 17.7100% | 1,067 |
| Retained earnings to average equity (ytd only) | 17.7072% | 539 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.9453% | 2,334 |
| Assets per employee ($millions) | 6.2511% | 2,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0645% | 3,234 |
| Loan loss allowance to noncurrent loans | 93.3461% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 683 |
| Noncurrent loans to loans | 1.1404% | 618 |
| Net loans and leases to total assets | 61.9800% | 2,464 |
| Net loans and leases to deposits | 66.2646% | 2,915 |
| Net loans and leases to core deposits | 66.4442% | 3,194 |
| Total domestic deposits to total assets | 93.5300% | 225 |
| Equity capital to assets | 5.5583% | 4,329 |
| Core capital (leverage) ratio | 7.7962% | 4,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2893% | 2,275 |
| Memoranda: | ||
| Average total assets | $221,377,000 | 2,903 |
| Average earning assets | $208,886,500 | 2,868 |
| Average equity | $11,340,000 | 3,640 |
| Average total loans | $138,399,000 | 2,814 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8523% | 2,125 |
| Cost of funding earning assets | 0.5130% | 1,305 |
| Net interest margin | 3.3393% | 2,455 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.1131% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0841% | 2,242 |
| Return on assets (ROA) | 1.0480% | 2,330 |
| Pretax return on assets | 1.1651% | 2,548 |
| Return on Equity (ROE) | 18.3500% | 654 |
| Retained earnings to average equity (ytd only) | 10.0869% | 1,120 |
| Net charge-offs to loans | 0.0008% | 2,563 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 2,554.0000% | 64 |
| Efficiency ratio | 63.6803% | 2,539 |
| Assets per employee ($millions) | 6.3990% | 2,420 |
| Cash dividends to net income (ytd only)* | 45.0248% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 3,187 |
| Loan loss allowance to noncurrent loans | 417.0520% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 2,452 |
| Noncurrent loans to loans | 0.2476% | 2,286 |
| Net loans and leases to total assets | 61.7500% | 2,467 |
| Net loans and leases to deposits | 65.4922% | 2,919 |
| Net loans and leases to core deposits | 65.8208% | 3,141 |
| Total domestic deposits to total assets | 94.2900% | 211 |
| Equity capital to assets | 4.6967% | 4,436 |
| Core capital (leverage) ratio | 7.5296% | 4,574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4490% | 2,591 |
| Memoranda: | ||
| Average total assets | $211,917,800 | 2,963 |
| Average earning assets | $200,374,200 | 2,937 |
| Average equity | $12,104,800 | 3,660 |
| Average total loans | $129,287,000 | 2,834 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7825% | 1,808 |
| Cost of funding earning assets | 0.3494% | 1,709 |
| Net interest margin | 3.4331% | 1,857 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 2.0053% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2894% | 1,388 |
| Return on assets (ROA) | 1.2848% | 1,374 |
| Pretax return on assets | 1.4073% | 1,690 |
| Return on Equity (ROE) | 21.4700% | 322 |
| Retained earnings to average equity (ytd only) | 13.4703% | 546 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.6741% | 3,302 |
| Assets per employee ($millions) | 5.8961% | 2,851 |
| Cash dividends to net income (ytd only)* | 37.2578% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 3,038 |
| Loan loss allowance to noncurrent loans | 653.3937% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 2,922 |
| Noncurrent loans to loans | 0.1677% | 2,758 |
| Net loans and leases to total assets | 61.4100% | 2,364 |
| Net loans and leases to deposits | 64.9549% | 2,793 |
| Net loans and leases to core deposits | 65.2968% | 2,999 |
| Total domestic deposits to total assets | 94.5500% | 277 |
| Equity capital to assets | 4.4624% | 4,405 |
| Core capital (leverage) ratio | 7.7326% | 4,512 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0821% | 2,438 |
| Memoranda: | ||
| Average total assets | $208,905,750 | 3,006 |
| Average earning assets | $198,064,750 | 2,972 |
| Average equity | $12,501,250 | 3,657 |
| Average total loans | $126,673,500 | 2,861 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7646% | 1,384 |
| Cost of funding earning assets | 0.2637% | 2,105 |
| Net interest margin | 3.5009% | 1,308 |
| Noninterest income to average assets | 0.1627% | 4,195 |
| Noninterest expense to average assets | 1.9934% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.3614% | 996 |
| Return on assets (ROA) | 1.3562% | 990 |
| Pretax return on assets | 1.4861% | 1,210 |
| Return on Equity (ROE) | 20.8571% | 253 |
| Retained earnings to average equity (ytd only) | 9.7550% | 1,085 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1941% | 3,655 |
| Assets per employee ($millions) | 5.9717% | 2,768 |
| Cash dividends to net income (ytd only)* | 53.2292% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1444% | 2,958 |
| Loan loss allowance to noncurrent loans | 625.1082% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.1105% | 2,933 |
| Noncurrent loans to loans | 0.1831% | 2,786 |
| Net loans and leases to total assets | 59.6777% | 2,361 |
| Net loans and leases to deposits | 63.8707% | 2,736 |
| Net loans and leases to core deposits | 64.3043% | 2,942 |
| Total domestic deposits to total assets | 93.4353% | 411 |
| Equity capital to assets | 5.3648% | 4,402 |
| Core capital (leverage) ratio | 7.6390% | 4,510 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1455% | 2,435 |
| Memoranda: | ||
| Average total assets | $207,787,333 | 3,044 |
| Average earning assets | $197,204,333 | 3,014 |
| Average equity | $13,511,000 | 3,634 |
| Average total loans | $124,964,667 | 2,894 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8706% | 967 |
| Cost of funding earning assets | 0.2518% | 2,134 |
| Net interest margin | 3.6188% | 868 |
| Noninterest income to average assets | 0.1603% | 4,192 |
| Noninterest expense to average assets | 1.9558% | 3,540 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5446% | 579 |
| Return on assets (ROA) | 1.5446% | 572 |
| Pretax return on assets | 1.6450% | 763 |
| Return on Equity (ROE) | 21.8281% | 161 |
| Retained earnings to average equity (ytd only) | 21.8281% | 73 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3164% | 4,032 |
| Assets per employee ($millions) | 6.0975% | 2,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1665% | 3,017 |
| Loan loss allowance to noncurrent loans | 671.6279% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 3,085 |
| Noncurrent loans to loans | 0.1737% | 2,951 |
| Net loans and leases to total assets | 59.0158% | 2,186 |
| Net loans and leases to deposits | 63.5122% | 2,571 |
| Net loans and leases to core deposits | 63.9484% | 2,798 |
| Total domestic deposits to total assets | 92.9204% | 290 |
| Equity capital to assets | 6.3435% | 4,486 |
| Core capital (leverage) ratio | 7.9016% | 4,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8408% | 2,284 |
| Memoranda: | ||
| Average total assets | $207,175,500 | 3,059 |
| Average earning assets | $196,970,500 | 3,027 |
| Average equity | $14,660,000 | 3,593 |
| Average total loans | $124,358,500 | 2,905 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 1,358 |
| Cost of funding earning assets | 0.2810% | 2,588 |
| Net interest margin | 3.7185% | 1,171 |
| Noninterest income to average assets | 0.3033% | 3,592 |
| Noninterest expense to average assets | 2.1848% | 3,134 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.5062% | 997 |
| Return on assets (ROA) | 1.4869% | 1,098 |
| Pretax return on assets | 1.6160% | 1,383 |
| Return on Equity (ROE) | 18.0426% | 464 |
| Retained earnings to average equity (ytd only) | 4.9863% | 2,787 |
| Net charge-offs to loans | 0.0033% | 2,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 798.7500% | 188 |
| Efficiency ratio | 57.1658% | 3,560 |
| Assets per employee ($millions) | 6.0893% | 2,682 |
| Cash dividends to net income (ytd only)* | 72.3639% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1559% | 3,097 |
| Loan loss allowance to noncurrent loans | 606.7227% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1150% | 3,124 |
| Noncurrent loans to loans | 0.1905% | 2,994 |
| Net loans and leases to total assets | 59.6420% | 2,194 |
| Net loans and leases to deposits | 65.1887% | 2,581 |
| Net loans and leases to core deposits | 65.5586% | 2,858 |
| Total domestic deposits to total assets | 91.4914% | 317 |
| Equity capital to assets | 7.8097% | 4,463 |
| Core capital (leverage) ratio | 7.8084% | 4,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9133% | 2,274 |
| Memoranda: | ||
| Average total assets | $195,169,400 | 3,096 |
| Average earning assets | $184,672,800 | 3,068 |
| Average equity | $16,084,200 | 3,531 |
| Average total loans | $122,594,400 | 2,926 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9066% | 1,739 |
| Cost of funding earning assets | 0.2891% | 2,698 |
| Net interest margin | 3.6175% | 1,556 |
| Noninterest income to average assets | 0.3475% | 3,372 |
| Noninterest expense to average assets | 2.1463% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6205% | 984 |
| Return on assets (ROA) | 1.6205% | 1,027 |
| Pretax return on assets | 1.6219% | 1,638 |
| Return on Equity (ROE) | 19.3898% | 474 |
| Retained earnings to average equity (ytd only) | 1.9589% | 4,196 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9588% | 3,421 |
| Assets per employee ($millions) | 5.7061% | 2,984 |
| Cash dividends to net income (ytd only)* | 89.8973% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1832% | 3,062 |
| Loan loss allowance to noncurrent loans | 383.0688% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 2,822 |
| Noncurrent loans to loans | 0.3089% | 2,685 |
| Net loans and leases to total assets | 62.3321% | 1,969 |
| Net loans and leases to deposits | 69.4330% | 2,294 |
| Net loans and leases to core deposits | 69.8606% | 2,607 |
| Total domestic deposits to total assets | 89.7730% | 877 |
| Equity capital to assets | 8.1472% | 4,441 |
| Core capital (leverage) ratio | 7.8021% | 4,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6823% | 2,478 |
| Memoranda: | ||
| Average total assets | $192,202,500 | 3,156 |
| Average earning assets | $181,739,750 | 3,123 |
| Average equity | $16,063,000 | 3,581 |
| Average total loans | $122,011,750 | 2,977 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 1,789 |
| Cost of funding earning assets | 0.2972% | 2,801 |
| Net interest margin | 3.6122% | 1,563 |
| Noninterest income to average assets | 0.4426% | 2,888 |
| Noninterest expense to average assets | 2.1712% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6827% | 899 |
| Return on assets (ROA) | 1.6827% | 946 |
| Pretax return on assets | 1.6847% | 1,518 |
| Return on Equity (ROE) | 19.9645% | 460 |
| Retained earnings to average equity (ytd only) | 8.1988% | 2,004 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3075% | 3,505 |
| Assets per employee ($millions) | 5.6917% | 2,907 |
| Cash dividends to net income (ytd only)* | 58.9330% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 3,086 |
| Loan loss allowance to noncurrent loans | 357.5309% | 1,662 |
| Noncurrent assets plus other real estate owned to assets | 0.3044% | 2,393 |
| Noncurrent loans to loans | 0.3282% | 2,738 |
| Net loans and leases to total assets | 63.0177% | 2,061 |
| Net loans and leases to deposits | 70.1830% | 2,387 |
| Net loans and leases to core deposits | 70.7190% | 2,712 |
| Total domestic deposits to total assets | 89.7906% | 875 |
| Equity capital to assets | 8.4690% | 4,227 |
| Core capital (leverage) ratio | 7.9910% | 4,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7679% | 2,449 |
| Memoranda: | ||
| Average total assets | $191,601,333 | 3,165 |
| Average earning assets | $181,050,667 | 3,125 |
| Average equity | $16,148,667 | 3,583 |
| Average total loans | $121,890,333 | 2,992 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 1,629 |
| Cost of funding earning assets | 0.3043% | 2,945 |
| Net interest margin | 3.6877% | 1,360 |
| Noninterest income to average assets | 0.6987% | 1,871 |
| Noninterest expense to average assets | 2.1674% | 3,210 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.0100% | 563 |
| Return on assets (ROA) | 2.0100% | 606 |
| Pretax return on assets | 2.0142% | 926 |
| Return on Equity (ROE) | 23.9074% | 299 |
| Retained earnings to average equity (ytd only) | 9.5580% | 1,783 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8314% | 4,010 |
| Assets per employee ($millions) | 5.7379% | 2,866 |
| Cash dividends to net income (ytd only)* | 60.0209% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 3,063 |
| Loan loss allowance to noncurrent loans | 347.2422% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.3096% | 2,589 |
| Noncurrent loans to loans | 0.3384% | 2,885 |
| Net loans and leases to total assets | 62.4214% | 2,242 |
| Net loans and leases to deposits | 68.6108% | 2,635 |
| Net loans and leases to core deposits | 69.1217% | 2,953 |
| Total domestic deposits to total assets | 90.9790% | 400 |
| Equity capital to assets | 8.1603% | 4,390 |
| Core capital (leverage) ratio | 8.0268% | 4,546 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9161% | 2,317 |
| Memoranda: | ||
| Average total assets | $190,643,500 | 3,159 |
| Average earning assets | $180,059,500 | 3,125 |
| Average equity | $16,028,500 | 3,600 |
| Average total loans | $121,136,500 | 3,004 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5269% | 1,245 |
| Cost of funding earning assets | 0.4930% | 2,992 |
| Net interest margin | 4.0338% | 912 |
| Noninterest income to average assets | 0.2058% | 4,239 |
| Noninterest expense to average assets | 2.3403% | 3,297 |
| Loan and lease loss provision to assets | 0.0386% | 3,928 |
| Net operating income to assets | 1.5432% | 721 |
| Return on assets (ROA) | 1.5397% | 790 |
| Pretax return on assets | 1.5403% | 1,221 |
| Return on Equity (ROE) | 17.0466% | 410 |
| Retained earnings to average equity (ytd only) | 6.2119% | 1,700 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6613% | 3,497 |
| Assets per employee ($millions) | 5.6423% | 2,693 |
| Cash dividends to net income (ytd only)* | 63.5593% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2163% | 2,860 |
| Loan loss allowance to noncurrent loans | 223.1125% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 2,593 |
| Noncurrent loans to loans | 0.5452% | 2,346 |
| Net loans and leases to total assets | 63.1584% | 2,472 |
| Net loans and leases to deposits | 69.9282% | 2,884 |
| Net loans and leases to core deposits | 70.6203% | 3,218 |
| Total domestic deposits to total assets | 90.3189% | 444 |
| Equity capital to assets | 8.6666% | 4,326 |
| Core capital (leverage) ratio | 8.4404% | 4,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2753% | 2,525 |
| Memoranda: | ||
| Average total assets | $168,608,400 | 3,206 |
| Average earning assets | $155,360,600 | 3,207 |
| Average equity | $15,228,800 | 3,633 |
| Average total loans | $116,371,200 | 3,020 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 1,355 |
| Cost of funding earning assets | 0.5439% | 2,970 |
| Net interest margin | 4.0404% | 1,034 |
| Noninterest income to average assets | 0.2070% | 4,234 |
| Noninterest expense to average assets | 2.2881% | 3,451 |
| Loan and lease loss provision to assets | 0.0530% | 3,685 |
| Net operating income to assets | 1.5687% | 780 |
| Return on assets (ROA) | 1.5687% | 855 |
| Pretax return on assets | 1.5695% | 1,273 |
| Return on Equity (ROE) | 17.1709% | 429 |
| Retained earnings to average equity (ytd only) | 8.0611% | 1,288 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5133% | 3,598 |
| Assets per employee ($millions) | 5.2415% | 2,964 |
| Cash dividends to net income (ytd only)* | 53.0538% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 2,642 |
| Loan loss allowance to noncurrent loans | 219.0620% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5093% | 2,168 |
| Noncurrent loans to loans | 0.5494% | 2,422 |
| Net loans and leases to total assets | 68.7237% | 2,149 |
| Net loans and leases to deposits | 77.2553% | 2,626 |
| Net loans and leases to core deposits | 78.0892% | 2,999 |
| Total domestic deposits to total assets | 88.9565% | 790 |
| Equity capital to assets | 9.2767% | 3,873 |
| Core capital (leverage) ratio | 8.7411% | 4,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7418% | 2,308 |
| Memoranda: | ||
| Average total assets | $164,211,250 | 3,224 |
| Average earning assets | $150,509,750 | 3,240 |
| Average equity | $15,001,750 | 3,655 |
| Average total loans | $115,702,250 | 3,031 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7197% | 1,363 |
| Cost of funding earning assets | 0.5797% | 3,086 |
| Net interest margin | 4.1401% | 1,041 |
| Noninterest income to average assets | 0.2046% | 4,254 |
| Noninterest expense to average assets | 2.3498% | 3,400 |
| Loan and lease loss provision to assets | 0.0806% | 3,277 |
| Net operating income to assets | 1.5723% | 800 |
| Return on assets (ROA) | 1.5723% | 875 |
| Pretax return on assets | 1.5736% | 1,284 |
| Return on Equity (ROE) | 17.3062% | 420 |
| Retained earnings to average equity (ytd only) | 3.3166% | 3,262 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6869% | 3,596 |
| Assets per employee ($millions) | 5.2316% | 2,903 |
| Cash dividends to net income (ytd only)* | 80.8360% | 744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2092% | 2,469 |
| Loan loss allowance to noncurrent loans | 125.8036% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.7941% | 1,563 |
| Noncurrent loans to loans | 0.9611% | 1,610 |
| Net loans and leases to total assets | 68.5254% | 2,262 |
| Net loans and leases to deposits | 77.7259% | 2,689 |
| Net loans and leases to core deposits | 78.4022% | 3,076 |
| Total domestic deposits to total assets | 88.1629% | 1,102 |
| Equity capital to assets | 8.8639% | 4,201 |
| Core capital (leverage) ratio | 8.5764% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.3758% | 2,455 |
| Memoranda: | ||
| Average total assets | $161,291,333 | 3,233 |
| Average earning assets | $148,016,333 | 3,243 |
| Average equity | $14,653,667 | 3,691 |
| Average total loans | $114,163,000 | 3,043 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9077% | 1,178 |
| Cost of funding earning assets | 0.6738% | 3,044 |
| Net interest margin | 4.2339% | 858 |
| Noninterest income to average assets | 0.2056% | 4,318 |
| Noninterest expense to average assets | 2.3160% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.8122% | 403 |
| Return on assets (ROA) | 1.8122% | 445 |
| Pretax return on assets | 1.8147% | 674 |
| Return on Equity (ROE) | 19.6804% | 175 |
| Retained earnings to average equity (ytd only) | -2.6520% | 4,319 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0672% | 4,203 |
| Assets per employee ($millions) | 4.9666% | 2,686 |
| Cash dividends to net income (ytd only)* | 113.4752% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 2,540 |
| Loan loss allowance to noncurrent loans | 114.9626% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.9501% | 1,404 |
| Noncurrent loans to loans | 1.0641% | 1,561 |
| Net loans and leases to total assets | 70.2655% | 2,207 |
| Net loans and leases to deposits | 80.3276% | 2,643 |
| Net loans and leases to core deposits | 80.9330% | 3,117 |
| Total domestic deposits to total assets | 87.4737% | 1,348 |
| Equity capital to assets | 9.0222% | 4,590 |
| Core capital (leverage) ratio | 9.0064% | 4,457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2623% | 2,587 |
| Memoranda: | ||
| Average total assets | $155,615,000 | 3,262 |
| Average earning assets | $144,264,000 | 3,246 |
| Average equity | $14,329,000 | 3,732 |
| Average total loans | $111,368,000 | 3,065 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9129% | 1,718 |
| Cost of funding earning assets | 0.8309% | 2,524 |
| Net interest margin | 4.0819% | 1,587 |
| Noninterest income to average assets | 0.2123% | 4,401 |
| Noninterest expense to average assets | 2.5170% | 3,396 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4965% | 1,063 |
| Return on assets (ROA) | 1.5170% | 1,073 |
| Pretax return on assets | 1.5177% | 1,750 |
| Return on Equity (ROE) | 15.9723% | 540 |
| Retained earnings to average equity (ytd only) | 3.3531% | 3,334 |
| Net charge-offs to loans | -0.0093% | 4,453 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7026% | 3,263 |
| Assets per employee ($millions) | 4.7594% | 2,881 |
| Cash dividends to net income (ytd only)* | 79.0068% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,115 |
| Loan loss allowance to noncurrent loans | 46.5030% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 2.1543% | 351 |
| Noncurrent loans to loans | 2.7115% | 381 |
| Net loans and leases to total assets | 71.1077% | 2,234 |
| Net loans and leases to deposits | 79.2827% | 2,869 |
| Net loans and leases to core deposits | 79.7410% | 3,317 |
| Total domestic deposits to total assets | 89.6888% | 428 |
| Equity capital to assets | 9.4018% | 4,427 |
| Core capital (leverage) ratio | 9.5128% | 4,047 |
| Tier 1 risk-based capital ratio | 12.6747% | 3,962 |
| Total risk-based capital ratio | 13.9245% | 3,840 |
| Memoranda: | ||
| Average total assets | $146,008,000 | 3,346 |
| Average earning assets | $135,989,600 | 3,342 |
| Average equity | $13,867,800 | 3,770 |
| Average total loans | $107,500,600 | 3,125 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8767% | 1,884 |
| Cost of funding earning assets | 0.8543% | 2,447 |
| Net interest margin | 4.0224% | 1,859 |
| Noninterest income to average assets | 0.2040% | 4,497 |
| Noninterest expense to average assets | 2.4499% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4954% | 1,199 |
| Return on assets (ROA) | 1.5148% | 1,207 |
| Pretax return on assets | 1.5158% | 1,910 |
| Return on Equity (ROE) | 15.9066% | 620 |
| Retained earnings to average equity (ytd only) | 4.1778% | 3,318 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0819% | 3,314 |
| Assets per employee ($millions) | 4.5023% | 3,202 |
| Cash dividends to net income (ytd only)* | 73.7352% | 835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,268 |
| Loan loss allowance to noncurrent loans | 64.1289% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 1.4861% | 758 |
| Noncurrent loans to loans | 1.9396% | 714 |
| Net loans and leases to total assets | 75.6637% | 1,535 |
| Net loans and leases to deposits | 85.7139% | 2,229 |
| Net loans and leases to core deposits | 86.2361% | 2,890 |
| Total domestic deposits to total assets | 88.2747% | 925 |
| Equity capital to assets | 9.9769% | 4,042 |
| Core capital (leverage) ratio | 9.5848% | 4,079 |
| Tier 1 risk-based capital ratio | 13.0874% | 3,804 |
| Total risk-based capital ratio | 14.3377% | 3,708 |
| Memoranda: | ||
| Average total assets | $144,435,000 | 3,403 |
| Average earning assets | $134,376,500 | 3,393 |
| Average equity | $13,755,000 | 3,821 |
| Average total loans | $106,955,750 | 3,166 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8132% | 2,018 |
| Cost of funding earning assets | 0.8473% | 2,408 |
| Net interest margin | 3.9659% | 2,031 |
| Noninterest income to average assets | 0.2020% | 4,542 |
| Noninterest expense to average assets | 2.3935% | 3,751 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4984% | 1,157 |
| Return on assets (ROA) | 1.5067% | 1,184 |
| Pretax return on assets | 1.5081% | 1,833 |
| Return on Equity (ROE) | 16.0754% | 578 |
| Retained earnings to average equity (ytd only) | 1.9042% | 4,144 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4783% | 3,510 |
| Assets per employee ($millions) | 4.5079% | 3,132 |
| Cash dividends to net income (ytd only)* | 88.1543% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 2,175 |
| Loan loss allowance to noncurrent loans | 96.4185% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 1,408 |
| Noncurrent loans to loans | 1.3100% | 1,201 |
| Net loans and leases to total assets | 74.4021% | 1,822 |
| Net loans and leases to deposits | 83.6846% | 2,526 |
| Net loans and leases to core deposits | 84.0226% | 3,106 |
| Total domestic deposits to total assets | 88.9078% | 699 |
| Equity capital to assets | 9.7106% | 4,225 |
| Core capital (leverage) ratio | 9.4796% | 4,164 |
| Tier 1 risk-based capital ratio | 12.6955% | 4,015 |
| Total risk-based capital ratio | 13.9456% | 3,913 |
| Memoranda: | ||
| Average total assets | $144,555,670 | 3,421 |
| Average earning assets | $134,547,670 | 3,414 |
| Average equity | $13,548,670 | 3,855 |
| Average total loans | $105,813,000 | 3,198 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7087% | 2,197 |
| Cost of funding earning assets | 0.8165% | 2,442 |
| Net interest margin | 3.8922% | 2,214 |
| Noninterest income to average assets | 0.1576% | 4,793 |
| Noninterest expense to average assets | 2.4021% | 3,767 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3793% | 1,434 |
| Return on assets (ROA) | 1.3711% | 1,492 |
| Pretax return on assets | 1.3711% | 2,188 |
| Return on Equity (ROE) | 14.8960% | 768 |
| Retained earnings to average equity (ytd only) | -7.1777% | 5,010 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5234% | 3,311 |
| Assets per employee ($millions) | 4.5218% | 3,156 |
| Cash dividends to net income (ytd only)* | 148.1855% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 2,156 |
| Loan loss allowance to noncurrent loans | 95.0173% | 3,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9986% | 1,401 |
| Noncurrent loans to loans | 1.3540% | 1,198 |
| Net loans and leases to total assets | 72.8044% | 2,021 |
| Net loans and leases to deposits | 81.2992% | 2,692 |
| Net loans and leases to core deposits | 83.3142% | 3,080 |
| Total domestic deposits to total assets | 89.5512% | 620 |
| Equity capital to assets | 9.2553% | 4,473 |
| Core capital (leverage) ratio | 9.1813% | 4,492 |
| Tier 1 risk-based capital ratio | 12.6390% | 4,075 |
| Total risk-based capital ratio | 13.8895% | 3,958 |
| Memoranda: | ||
| Average total assets | $144,706,500 | 3,451 |
| Average earning assets | $134,729,500 | 3,446 |
| Average equity | $13,319,000 | 3,898 |
| Average total loans | $104,369,000 | 3,248 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5913% | 2,153 |
| Cost of funding earning assets | 0.5384% | 3,124 |
| Net interest margin | 4.0529% | 1,812 |
| Noninterest income to average assets | 0.2302% | 4,534 |
| Noninterest expense to average assets | 2.4861% | 3,647 |
| Loan and lease loss provision to assets | 0.0607% | 2,945 |
| Net operating income to assets | 1.4528% | 1,265 |
| Return on assets (ROA) | 1.4345% | 1,315 |
| Pretax return on assets | 1.4345% | 2,012 |
| Return on Equity (ROE) | 15.8868% | 654 |
| Retained earnings to average equity (ytd only) | 3.6217% | 3,589 |
| Net charge-offs to loans | 0.0069% | 3,440 |
| Credit loss provision to net charge-offs | 1,228.5714% | 325 |
| Earnings coverage of net charge-offs (x) | 306.1429% | 324 |
| Efficiency ratio | 62.1579% | 3,492 |
| Assets per employee ($millions) | 4.5224% | 3,138 |
| Cash dividends to net income (ytd only)* | 77.2033% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3458% | 1,844 |
| Loan loss allowance to noncurrent loans | 123.1390% | 3,074 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 1,813 |
| Noncurrent loans to loans | 1.0929% | 1,489 |
| Net loans and leases to total assets | 69.5475% | 2,639 |
| Net loans and leases to deposits | 77.7575% | 3,192 |
| Net loans and leases to core deposits | 78.0724% | 3,575 |
| Total domestic deposits to total assets | 89.4415% | 680 |
| Equity capital to assets | 9.1530% | 4,446 |
| Core capital (leverage) ratio | 9.4032% | 4,232 |
| Tier 1 risk-based capital ratio | 13.1434% | 3,762 |
| Total risk-based capital ratio | 14.3942% | 3,647 |
| Memoranda: | ||
| Average total assets | $141,586,800 | 3,482 |
| Average earning assets | $131,685,000 | 3,472 |
| Average equity | $12,784,200 | 3,916 |
| Average total loans | $101,035,000 | 3,274 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5332% | 2,175 |
| Cost of funding earning assets | 0.4616% | 3,448 |
| Net interest margin | 4.0716% | 1,716 |
| Noninterest income to average assets | 0.2225% | 4,634 |
| Noninterest expense to average assets | 2.4487% | 3,740 |
| Loan and lease loss provision to assets | 0.0814% | 2,325 |
| Net operating income to assets | 1.4762% | 1,257 |
| Return on assets (ROA) | 1.4762% | 1,255 |
| Pretax return on assets | 1.4762% | 1,981 |
| Return on Equity (ROE) | 16.4074% | 625 |
| Retained earnings to average equity (ytd only) | 1.8523% | 4,624 |
| Net charge-offs to loans | 0.0093% | 3,091 |
| Credit loss provision to net charge-offs | 1,228.5714% | 329 |
| Earnings coverage of net charge-offs (x) | 235.0782% | 392 |
| Efficiency ratio | 61.1203% | 3,646 |
| Assets per employee ($millions) | 4.5878% | 2,994 |
| Cash dividends to net income (ytd only)* | 88.7107% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3114% | 2,049 |
| Loan loss allowance to noncurrent loans | 126.8946% | 3,049 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 1,953 |
| Noncurrent loans to loans | 1.0335% | 1,655 |
| Net loans and leases to total assets | 72.6491% | 2,226 |
| Net loans and leases to deposits | 83.4785% | 2,659 |
| Net loans and leases to core deposits | 83.8218% | 3,170 |
| Total domestic deposits to total assets | 87.0273% | 1,718 |
| Equity capital to assets | 8.9719% | 4,574 |
| Core capital (leverage) ratio | 9.3393% | 4,352 |
| Tier 1 risk-based capital ratio | 12.7473% | 4,054 |
| Total risk-based capital ratio | 13.9985% | 3,954 |
| Memoranda: | ||
| Average total assets | $140,804,250 | 3,532 |
| Average earning assets | $130,853,500 | 3,517 |
| Average equity | $12,668,750 | 3,964 |
| Average total loans | $100,788,750 | 3,313 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4577% | 2,236 |
| Cost of funding earning assets | 0.4262% | 3,529 |
| Net interest margin | 4.0316% | 1,756 |
| Noninterest income to average assets | 0.2024% | 4,807 |
| Noninterest expense to average assets | 2.4670% | 3,725 |
| Loan and lease loss provision to assets | 0.0855% | 2,204 |
| Net operating income to assets | 1.3981% | 1,451 |
| Return on assets (ROA) | 1.3981% | 1,451 |
| Pretax return on assets | 1.3981% | 2,155 |
| Return on Equity (ROE) | 15.5242% | 755 |
| Retained earnings to average equity (ytd only) | -2.1680% | 5,163 |
| Net charge-offs to loans | 0.0121% | 2,729 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 173.5000% | 469 |
| Efficiency ratio | 62.4459% | 3,567 |
| Assets per employee ($millions) | 4.4178% | 3,255 |
| Cash dividends to net income (ytd only)* | 113.9653% | 286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3257% | 2,052 |
| Loan loss allowance to noncurrent loans | 159.9051% | 2,659 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 2,437 |
| Noncurrent loans to loans | 0.8291% | 2,069 |
| Net loans and leases to total assets | 70.9705% | 2,438 |
| Net loans and leases to deposits | 78.8679% | 3,065 |
| Net loans and leases to core deposits | 79.0263% | 3,499 |
| Total domestic deposits to total assets | 89.9866% | 581 |
| Equity capital to assets | 8.8901% | 4,652 |
| Core capital (leverage) ratio | 9.2522% | 4,413 |
| Tier 1 risk-based capital ratio | 12.7722% | 4,026 |
| Total risk-based capital ratio | 14.0237% | 3,929 |
| Memoranda: | ||
| Average total assets | $140,331,670 | 3,567 |
| Average earning assets | $130,470,330 | 3,546 |
| Average equity | $12,638,330 | 3,987 |
| Average total loans | $99,486,330 | 3,345 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3440% | 2,368 |
| Cost of funding earning assets | 0.4106% | 3,509 |
| Net interest margin | 3.9334% | 1,917 |
| Noninterest income to average assets | 0.2174% | 4,701 |
| Noninterest expense to average assets | 2.5463% | 3,507 |
| Loan and lease loss provision to assets | 0.1144% | 1,651 |
| Net operating income to assets | 1.2016% | 1,995 |
| Return on assets (ROA) | 1.2073% | 1,980 |
| Pretax return on assets | 1.2073% | 2,721 |
| Return on Equity (ROE) | 13.3191% | 1,179 |
| Retained earnings to average equity (ytd only) | -9.6579% | 5,363 |
| Net charge-offs to loans | 0.0244% | 2,017 |
| Credit loss provision to net charge-offs | 666.6667% | 485 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 727 |
| Efficiency ratio | 65.9259% | 3,169 |
| Assets per employee ($millions) | 4.3409% | 3,412 |
| Cash dividends to net income (ytd only)* | 172.5118% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3691% | 1,959 |
| Loan loss allowance to noncurrent loans | 170.0384% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 2,457 |
| Noncurrent loans to loans | 0.8052% | 2,198 |
| Net loans and leases to total assets | 68.8727% | 2,651 |
| Net loans and leases to deposits | 76.5613% | 3,153 |
| Net loans and leases to core deposits | 76.7179% | 3,604 |
| Total domestic deposits to total assets | 89.9575% | 671 |
| Equity capital to assets | 8.9403% | 4,624 |
| Core capital (leverage) ratio | 9.1578% | 4,495 |
| Tier 1 risk-based capital ratio | 13.0811% | 3,908 |
| Total risk-based capital ratio | 14.3324% | 3,815 |
| Memoranda: | ||
| Average total assets | $139,812,500 | 3,611 |
| Average earning assets | $129,558,500 | 3,593 |
| Average equity | $12,673,500 | 4,021 |
| Average total loans | $98,390,000 | 3,393 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3980% | 2,028 |
| Cost of funding earning assets | 0.3544% | 3,668 |
| Net interest margin | 4.0436% | 1,610 |
| Noninterest income to average assets | 0.2583% | 4,588 |
| Noninterest expense to average assets | 2.4647% | 3,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5600% | 702 |
| Return on assets (ROA) | 1.5534% | 728 |
| Pretax return on assets | 1.5548% | 1,435 |
| Return on Equity (ROE) | 16.6781% | 423 |
| Retained earnings to average equity (ytd only) | 4.5261% | 2,436 |
| Net charge-offs to loans | 0.0322% | 3,148 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 67.8710% | 875 |
| Efficiency ratio | 61.2166% | 4,074 |
| Assets per employee ($millions) | 4.2641% | 3,558 |
| Cash dividends to net income (ytd only)* | 72.8619% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2968% | 2,231 |
| Loan loss allowance to noncurrent loans | 149.5954% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6147% | 2,487 |
| Noncurrent loans to loans | 0.8669% | 2,058 |
| Net loans and leases to total assets | 69.9904% | 2,522 |
| Net loans and leases to deposits | 77.9268% | 3,119 |
| Net loans and leases to core deposits | 78.0837% | 3,576 |
| Total domestic deposits to total assets | 89.8156% | 636 |
| Equity capital to assets | 9.1874% | 4,540 |
| Core capital (leverage) ratio | 9.5995% | 3,915 |
| Tier 1 risk-based capital ratio | 13.1737% | 3,808 |
| Total risk-based capital ratio | 14.4245% | 3,726 |
| Memoranda: | ||
| Average total assets | $134,740,400 | 3,684 |
| Average earning assets | $125,557,800 | 3,655 |
| Average equity | $12,549,400 | 4,047 |
| Average total loans | $96,205,400 | 3,413 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2675% | 2,371 |
| Cost of funding earning assets | 0.3547% | 3,619 |
| Net interest margin | 3.9128% | 1,993 |
| Noninterest income to average assets | 0.2522% | 4,698 |
| Noninterest expense to average assets | 2.4345% | 3,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4799% | 932 |
| Return on assets (ROA) | 1.5099% | 899 |
| Pretax return on assets | 1.5119% | 1,733 |
| Return on Equity (ROE) | 16.1541% | 513 |
| Retained earnings to average equity (ytd only) | 2.2374% | 4,519 |
| Net charge-offs to loans | 0.0028% | 3,651 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 739.5581% | 141 |
| Efficiency ratio | 62.1615% | 3,855 |
| Assets per employee ($millions) | 3.9685% | 4,042 |
| Cash dividends to net income (ytd only)* | 86.1498% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 2,089 |
| Loan loss allowance to noncurrent loans | 40.9851% | 4,740 |
| Noncurrent assets plus other real estate owned to assets | 2.4648% | 441 |
| Noncurrent loans to loans | 3.3135% | 351 |
| Net loans and leases to total assets | 73.3770% | 2,030 |
| Net loans and leases to deposits | 82.5064% | 2,723 |
| Net loans and leases to core deposits | 82.6910% | 3,233 |
| Total domestic deposits to total assets | 88.9350% | 918 |
| Equity capital to assets | 9.6715% | 4,274 |
| Core capital (leverage) ratio | 9.4357% | 4,245 |
| Tier 1 risk-based capital ratio | 13.2318% | 3,859 |
| Total risk-based capital ratio | 14.4841% | 3,776 |
| Memoranda: | ||
| Average total assets | $133,246,750 | 3,733 |
| Average earning assets | $124,784,750 | 3,698 |
| Average equity | $12,454,750 | 4,104 |
| Average total loans | $95,311,500 | 3,457 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0778% | 2,898 |
| Cost of funding earning assets | 0.3301% | 3,790 |
| Net interest margin | 3.7477% | 2,478 |
| Noninterest income to average assets | 0.2552% | 4,709 |
| Noninterest expense to average assets | 2.4058% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3536% | 1,167 |
| Return on assets (ROA) | 1.3984% | 1,096 |
| Pretax return on assets | 1.4014% | 2,016 |
| Return on Equity (ROE) | 15.1320% | 638 |
| Retained earnings to average equity (ytd only) | 1.7280% | 4,557 |
| Net charge-offs to loans | 0.0042% | 3,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 454.5000% | 185 |
| Efficiency ratio | 63.9429% | 3,681 |
| Assets per employee ($millions) | 4.0934% | 3,799 |
| Cash dividends to net income (ytd only)* | 88.5806% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3384% | 2,238 |
| Loan loss allowance to noncurrent loans | 35.1394% | 4,882 |
| Noncurrent assets plus other real estate owned to assets | 2.7872% | 353 |
| Noncurrent loans to loans | 3.8088% | 269 |
| Net loans and leases to total assets | 72.1971% | 2,171 |
| Net loans and leases to deposits | 83.9569% | 2,483 |
| Net loans and leases to core deposits | 84.1401% | 3,052 |
| Total domestic deposits to total assets | 85.9931% | 2,378 |
| Equity capital to assets | 9.3209% | 4,595 |
| Core capital (leverage) ratio | 9.3762% | 4,260 |
| Tier 1 risk-based capital ratio | 12.8944% | 4,064 |
| Total risk-based capital ratio | 14.1462% | 3,980 |
| Memoranda: | ||
| Average total assets | $134,008,330 | 3,751 |
| Average earning assets | $125,410,670 | 3,715 |
| Average equity | $12,384,330 | 4,130 |
| Average total loans | $94,609,000 | 3,479 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1281% | 2,554 |
| Cost of funding earning assets | 0.3205% | 3,847 |
| Net interest margin | 3.8076% | 2,087 |
| Noninterest income to average assets | 0.2218% | 4,948 |
| Noninterest expense to average assets | 2.4605% | 3,936 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3156% | 1,200 |
| Return on assets (ROA) | 1.3906% | 1,052 |
| Pretax return on assets | 1.3966% | 1,905 |
| Return on Equity (ROE) | 15.1128% | 626 |
| Retained earnings to average equity (ytd only) | -5.4067% | 5,412 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0555% | 3,656 |
| Assets per employee ($millions) | 4.0382% | 3,946 |
| Cash dividends to net income (ytd only)* | 135.7759% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 1,933 |
| Loan loss allowance to noncurrent loans | 32.2934% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 3.0789% | 320 |
| Noncurrent loans to loans | 4.4391% | 214 |
| Net loans and leases to total assets | 68.3638% | 2,620 |
| Net loans and leases to deposits | 75.8661% | 3,215 |
| Net loans and leases to core deposits | 76.0262% | 3,647 |
| Total domestic deposits to total assets | 90.1112% | 612 |
| Equity capital to assets | 9.1707% | 4,645 |
| Core capital (leverage) ratio | 9.2230% | 4,448 |
| Tier 1 risk-based capital ratio | 13.2299% | 3,923 |
| Total risk-based capital ratio | 14.4824% | 3,848 |
| Memoranda: | ||
| Average total assets | $133,471,000 | 3,788 |
| Average earning assets | $124,803,000 | 3,756 |
| Average equity | $12,281,000 | 4,171 |
| Average total loans | $92,489,000 | 3,544 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2325% | 2,379 |
| Cost of funding earning assets | 0.3313% | 3,731 |
| Net interest margin | 3.9013% | 1,964 |
| Noninterest income to average assets | 0.2896% | 4,665 |
| Noninterest expense to average assets | 2.5188% | 3,954 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4157% | 979 |
| Return on assets (ROA) | 1.4065% | 1,017 |
| Pretax return on assets | 1.4065% | 1,920 |
| Return on Equity (ROE) | 14.9149% | 640 |
| Retained earnings to average equity (ytd only) | 2.1365% | 4,314 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0187% | 3,933 |
| Assets per employee ($millions) | 3.9318% | 4,094 |
| Cash dividends to net income (ytd only)* | 85.6754% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,952 |
| Loan loss allowance to noncurrent loans | 91.9500% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.0779% | 1,746 |
| Noncurrent loans to loans | 1.5570% | 1,270 |
| Net loans and leases to total assets | 68.2413% | 2,734 |
| Net loans and leases to deposits | 75.7437% | 3,345 |
| Net loans and leases to core deposits | 75.9032% | 3,756 |
| Total domestic deposits to total assets | 90.0950% | 602 |
| Equity capital to assets | 9.2317% | 4,535 |
| Core capital (leverage) ratio | 9.5214% | 4,054 |
| Tier 1 risk-based capital ratio | 13.3787% | 3,842 |
| Total risk-based capital ratio | 14.6304% | 3,746 |
| Memoranda: | ||
| Average total assets | $130,539,000 | 3,820 |
| Average earning assets | $121,959,600 | 3,792 |
| Average equity | $12,309,800 | 4,207 |
| Average total loans | $92,107,600 | 3,533 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1991% | 2,518 |
| Cost of funding earning assets | 0.3346% | 3,721 |
| Net interest margin | 3.8645% | 2,102 |
| Noninterest income to average assets | 0.3103% | 4,546 |
| Noninterest expense to average assets | 2.3788% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5393% | 813 |
| Return on assets (ROA) | 1.5424% | 851 |
| Pretax return on assets | 1.5424% | 1,566 |
| Return on Equity (ROE) | 16.2679% | 514 |
| Retained earnings to average equity (ytd only) | 1.5282% | 4,902 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7133% | 4,438 |
| Assets per employee ($millions) | 3.7980% | 4,305 |
| Cash dividends to net income (ytd only)* | 90.6065% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 2,088 |
| Loan loss allowance to noncurrent loans | 88.1570% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1639% | 1,723 |
| Noncurrent loans to loans | 1.6155% | 1,331 |
| Net loans and leases to total assets | 71.0204% | 2,344 |
| Net loans and leases to deposits | 79.3895% | 3,038 |
| Net loans and leases to core deposits | 79.5638% | 3,490 |
| Total domestic deposits to total assets | 89.4581% | 695 |
| Equity capital to assets | 9.5910% | 4,564 |
| Core capital (leverage) ratio | 9.5064% | 4,174 |
| Tier 1 risk-based capital ratio | 13.0336% | 4,141 |
| Total risk-based capital ratio | 14.2854% | 4,053 |
| Memoranda: | ||
| Average total assets | $129,753,750 | 3,858 |
| Average earning assets | $121,134,500 | 3,830 |
| Average equity | $12,302,000 | 4,243 |
| Average total loans | $91,997,000 | 3,552 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1704% | 2,604 |
| Cost of funding earning assets | 0.3379% | 3,718 |
| Net interest margin | 3.8325% | 2,203 |
| Noninterest income to average assets | 0.3186% | 4,499 |
| Noninterest expense to average assets | 2.3053% | 4,595 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5912% | 739 |
| Return on assets (ROA) | 1.5943% | 778 |
| Pretax return on assets | 1.5943% | 1,389 |
| Return on Equity (ROE) | 16.8808% | 450 |
| Retained earnings to average equity (ytd only) | 2.8678% | 4,080 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1627% | 4,747 |
| Assets per employee ($millions) | 3.7662% | 4,331 |
| Cash dividends to net income (ytd only)* | 83.0116% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4350% | 2,132 |
| Loan loss allowance to noncurrent loans | 112.8620% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 2,323 |
| Noncurrent loans to loans | 1.2715% | 1,788 |
| Net loans and leases to total assets | 71.0732% | 2,321 |
| Net loans and leases to deposits | 79.5841% | 2,986 |
| Net loans and leases to core deposits | 79.7599% | 3,484 |
| Total domestic deposits to total assets | 89.3058% | 759 |
| Equity capital to assets | 9.7305% | 4,531 |
| Core capital (leverage) ratio | 9.6983% | 3,928 |
| Tier 1 risk-based capital ratio | 13.3178% | 4,002 |
| Total risk-based capital ratio | 14.5705% | 3,924 |
| Memoranda: | ||
| Average total assets | $129,961,000 | 3,886 |
| Average earning assets | $121,332,000 | 3,856 |
| Average equity | $12,274,330 | 4,272 |
| Average total loans | $91,651,000 | 3,572 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2997% | 2,141 |
| Cost of funding earning assets | 0.3449% | 3,658 |
| Net interest margin | 3.9548% | 1,768 |
| Noninterest income to average assets | 0.3330% | 4,351 |
| Noninterest expense to average assets | 2.2793% | 4,717 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7324% | 531 |
| Return on assets (ROA) | 1.7324% | 567 |
| Pretax return on assets | 1.7324% | 984 |
| Return on Equity (ROE) | 18.6184% | 320 |
| Retained earnings to average equity (ytd only) | -3.0538% | 5,476 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8165% | 5,118 |
| Assets per employee ($millions) | 3.6752% | 4,507 |
| Cash dividends to net income (ytd only)* | 116.4021% | 554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 2,119 |
| Loan loss allowance to noncurrent loans | 49.0923% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 2.0982% | 812 |
| Noncurrent loans to loans | 2.9927% | 549 |
| Net loans and leases to total assets | 69.0818% | 2,483 |
| Net loans and leases to deposits | 77.0181% | 3,103 |
| Net loans and leases to core deposits | 77.1867% | 3,574 |
| Total domestic deposits to total assets | 89.6955% | 738 |
| Equity capital to assets | 9.4431% | 4,724 |
| Core capital (leverage) ratio | 9.3317% | 4,451 |
| Tier 1 risk-based capital ratio | 13.4550% | 4,004 |
| Total risk-based capital ratio | 14.7077% | 3,928 |
| Memoranda: | ||
| Average total assets | $130,916,000 | 3,899 |
| Average earning assets | $121,777,000 | 3,880 |
| Average equity | $12,181,500 | 4,301 |
| Average total loans | $91,309,000 | 3,590 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2416% | 2,415 |
| Cost of funding earning assets | 0.3690% | 3,499 |
| Net interest margin | 3.8725% | 2,124 |
| Noninterest income to average assets | 0.2943% | 4,778 |
| Noninterest expense to average assets | 2.5062% | 4,207 |
| Loan and lease loss provision to assets | 0.1079% | 2,192 |
| Net operating income to assets | 1.2935% | 1,283 |
| Return on assets (ROA) | 1.3182% | 1,272 |
| Pretax return on assets | 1.3190% | 2,205 |
| Return on Equity (ROE) | 14.2401% | 811 |
| Retained earnings to average equity (ytd only) | 2.9629% | 3,956 |
| Net charge-offs to loans | 0.0878% | 2,567 |
| Credit loss provision to net charge-offs | 177.2152% | 1,529 |
| Earnings coverage of net charge-offs (x) | 23.0380% | 1,746 |
| Efficiency ratio | 64.1238% | 4,231 |
| Assets per employee ($millions) | 4.0363% | 3,867 |
| Cash dividends to net income (ytd only)* | 79.1935% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4335% | 2,279 |
| Loan loss allowance to noncurrent loans | 78.8221% | 4,166 |
| Noncurrent assets plus other real estate owned to assets | 1.2620% | 1,692 |
| Noncurrent loans to loans | 1.8187% | 1,198 |
| Net loans and leases to total assets | 68.3984% | 2,643 |
| Net loans and leases to deposits | 76.1139% | 3,235 |
| Net loans and leases to core deposits | 76.4395% | 3,716 |
| Total domestic deposits to total assets | 89.8633% | 687 |
| Equity capital to assets | 9.1712% | 4,945 |
| Core capital (leverage) ratio | 9.4079% | 4,309 |
| Tier 1 risk-based capital ratio | 13.4632% | 4,025 |
| Total risk-based capital ratio | 14.7159% | 3,962 |
| Memoranda: | ||
| Average total assets | $129,798,800 | 3,891 |
| Average earning assets | $121,134,800 | 3,861 |
| Average equity | $12,015,400 | 4,303 |
| Average total loans | $90,009,800 | 3,590 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,425 |
| Cost of funding earning assets | 0.3739% | 3,504 |
| Net interest margin | 3.8709% | 2,126 |
| Noninterest income to average assets | 0.2823% | 4,927 |
| Noninterest expense to average assets | 2.3326% | 4,694 |
| Loan and lease loss provision to assets | 0.1448% | 1,513 |
| Net operating income to assets | 1.4331% | 1,040 |
| Return on assets (ROA) | 1.4620% | 1,027 |
| Pretax return on assets | 1.4631% | 1,786 |
| Return on Equity (ROE) | 15.7564% | 627 |
| Retained earnings to average equity (ytd only) | 2.7746% | 4,453 |
| Net charge-offs to loans | 0.1178% | 1,945 |
| Credit loss provision to net charge-offs | 177.2152% | 1,484 |
| Earnings coverage of net charge-offs (x) | 19.3293% | 1,947 |
| Efficiency ratio | 59.6352% | 4,928 |
| Assets per employee ($millions) | 3.7609% | 4,337 |
| Cash dividends to net income (ytd only)* | 82.3900% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4579% | 2,339 |
| Loan loss allowance to noncurrent loans | 111.8143% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0487% | 2,258 |
| Noncurrent loans to loans | 1.3039% | 1,960 |
| Net loans and leases to total assets | 70.0372% | 2,379 |
| Net loans and leases to deposits | 78.6017% | 3,037 |
| Net loans and leases to core deposits | 78.9551% | 3,514 |
| Total domestic deposits to total assets | 89.1039% | 974 |
| Equity capital to assets | 9.4759% | 4,781 |
| Core capital (leverage) ratio | 9.3870% | 4,459 |
| Tier 1 risk-based capital ratio | 13.6796% | 4,036 |
| Total risk-based capital ratio | 14.9324% | 3,966 |
| Memoranda: | ||
| Average total assets | $128,948,750 | 3,947 |
| Average earning assets | $120,899,000 | 3,903 |
| Average equity | $11,965,250 | 4,359 |
| Average total loans | $89,404,500 | 3,637 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 2,441 |
| Cost of funding earning assets | 0.3729% | 3,571 |
| Net interest margin | 3.8543% | 2,125 |
| Noninterest income to average assets | 0.2970% | 4,832 |
| Noninterest expense to average assets | 2.3649% | 4,679 |
| Loan and lease loss provision to assets | 0.2165% | 878 |
| Net operating income to assets | 1.3271% | 1,247 |
| Return on assets (ROA) | 1.3704% | 1,193 |
| Pretax return on assets | 1.3719% | 2,099 |
| Return on Equity (ROE) | 14.8724% | 755 |
| Retained earnings to average equity (ytd only) | 3.2901% | 3,954 |
| Net charge-offs to loans | 0.0337% | 2,996 |
| Credit loss provision to net charge-offs | 933.3333% | 384 |
| Earnings coverage of net charge-offs (x) | 66.6000% | 792 |
| Efficiency ratio | 60.4826% | 4,918 |
| Assets per employee ($millions) | 3.7801% | 4,281 |
| Cash dividends to net income (ytd only)* | 77.8781% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 2,158 |
| Loan loss allowance to noncurrent loans | 134.3327% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 2,912 |
| Noncurrent loans to loans | 1.1395% | 2,372 |
| Net loans and leases to total assets | 69.5258% | 2,399 |
| Net loans and leases to deposits | 77.8959% | 3,045 |
| Net loans and leases to core deposits | 78.2424% | 3,551 |
| Total domestic deposits to total assets | 89.2548% | 1,022 |
| Equity capital to assets | 9.3852% | 4,800 |
| Core capital (leverage) ratio | 9.3858% | 4,444 |
| Tier 1 risk-based capital ratio | 13.7408% | 4,071 |
| Total risk-based capital ratio | 14.9947% | 4,008 |
| Memoranda: | ||
| Average total assets | $129,307,670 | 3,971 |
| Average earning assets | $121,216,330 | 3,926 |
| Average equity | $11,914,670 | 4,396 |
| Average total loans | $88,911,670 | 3,664 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0626% | 2,984 |
| Cost of funding earning assets | 0.3768% | 3,575 |
| Net interest margin | 3.6858% | 2,675 |
| Noninterest income to average assets | 0.2930% | 4,828 |
| Noninterest expense to average assets | 2.4302% | 4,513 |
| Loan and lease loss provision to assets | 0.3084% | 456 |
| Net operating income to assets | 0.9900% | 2,311 |
| Return on assets (ROA) | 0.9961% | 2,415 |
| Pretax return on assets | 0.9992% | 3,512 |
| Return on Equity (ROE) | 10.9112% | 1,657 |
| Retained earnings to average equity (ytd only) | -6.8237% | 6,030 |
| Net charge-offs to loans | 0.0545% | 2,229 |
| Credit loss provision to net charge-offs | 833.3333% | 373 |
| Earnings coverage of net charge-offs (x) | 35.1667% | 1,049 |
| Efficiency ratio | 65.1240% | 4,294 |
| Assets per employee ($millions) | 3.8649% | 4,223 |
| Cash dividends to net income (ytd only)* | 162.5387% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 2,360 |
| Loan loss allowance to noncurrent loans | 79.0181% | 4,202 |
| Noncurrent assets plus other real estate owned to assets | 1.4129% | 1,878 |
| Noncurrent loans to loans | 1.9263% | 1,387 |
| Net loans and leases to total assets | 68.5808% | 2,350 |
| Net loans and leases to deposits | 76.7712% | 2,962 |
| Net loans and leases to core deposits | 77.1150% | 3,473 |
| Total domestic deposits to total assets | 89.3314% | 1,081 |
| Equity capital to assets | 9.2149% | 5,068 |
| Core capital (leverage) ratio | 9.0025% | 4,948 |
| Tier 1 risk-based capital ratio | 13.4222% | 4,364 |
| Total risk-based capital ratio | 14.6758% | 4,280 |
| Memoranda: | ||
| Average total assets | $129,700,500 | 3,994 |
| Average earning assets | $121,006,000 | 3,956 |
| Average equity | $11,841,000 | 4,440 |
| Average total loans | $87,995,000 | 3,699 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 3,502 |
| Cost of funding earning assets | 0.3925% | 3,763 |
| Net interest margin | 3.6633% | 3,157 |
| Noninterest income to average assets | 0.3023% | 4,951 |
| Noninterest expense to average assets | 2.4203% | 4,790 |
| Loan and lease loss provision to assets | 0.1174% | 2,216 |
| Net operating income to assets | 1.1802% | 1,643 |
| Return on assets (ROA) | 1.1856% | 1,701 |
| Pretax return on assets | 1.1864% | 2,711 |
| Return on Equity (ROE) | 13.1232% | 1,111 |
| Retained earnings to average equity (ytd only) | 1.6139% | 5,013 |
| Net charge-offs to loans | 0.0450% | 3,924 |
| Credit loss provision to net charge-offs | 402.6316% | 644 |
| Earnings coverage of net charge-offs (x) | 44.5263% | 1,009 |
| Efficiency ratio | 65.0846% | 4,393 |
| Assets per employee ($millions) | 3.9957% | 3,968 |
| Cash dividends to net income (ytd only)* | 87.7023% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 2,696 |
| Loan loss allowance to noncurrent loans | 144.1277% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.7341% | 3,372 |
| Noncurrent loans to loans | 1.0061% | 2,818 |
| Net loans and leases to total assets | 65.1489% | 3,026 |
| Net loans and leases to deposits | 73.0774% | 3,547 |
| Net loans and leases to core deposits | 73.3940% | 3,977 |
| Total domestic deposits to total assets | 89.1504% | 1,146 |
| Equity capital to assets | 9.0469% | 5,238 |
| Core capital (leverage) ratio | 9.2276% | 4,637 |
| Tier 1 risk-based capital ratio | 13.8460% | 4,210 |
| Total risk-based capital ratio | 15.0993% | 4,141 |
| Memoranda: | ||
| Average total assets | $130,315,000 | 3,967 |
| Average earning assets | $121,530,200 | 3,928 |
| Average equity | $11,773,000 | 4,404 |
| Average total loans | $84,382,800 | 3,758 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0271% | 3,653 |
| Cost of funding earning assets | 0.3938% | 3,858 |
| Net interest margin | 3.6332% | 3,294 |
| Noninterest income to average assets | 0.2904% | 5,121 |
| Noninterest expense to average assets | 2.2853% | 5,144 |
| Loan and lease loss provision to assets | 0.1252% | 1,999 |
| Net operating income to assets | 1.2776% | 1,447 |
| Return on assets (ROA) | 1.2817% | 1,478 |
| Pretax return on assets | 1.2827% | 2,446 |
| Return on Equity (ROE) | 14.1920% | 951 |
| Retained earnings to average equity (ytd only) | 1.1817% | 5,418 |
| Net charge-offs to loans | 0.0589% | 3,367 |
| Credit loss provision to net charge-offs | 329.7297% | 847 |
| Earnings coverage of net charge-offs (x) | 36.9745% | 1,191 |
| Efficiency ratio | 61.9471% | 4,888 |
| Assets per employee ($millions) | 3.7342% | 4,427 |
| Cash dividends to net income (ytd only)* | 91.6735% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 3,061 |
| Loan loss allowance to noncurrent loans | 150.1217% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6474% | 3,895 |
| Noncurrent loans to loans | 0.9483% | 3,190 |
| Net loans and leases to total assets | 67.3041% | 2,647 |
| Net loans and leases to deposits | 76.2324% | 3,158 |
| Net loans and leases to core deposits | 76.5781% | 3,682 |
| Total domestic deposits to total assets | 88.2880% | 1,611 |
| Equity capital to assets | 9.3412% | 4,990 |
| Core capital (leverage) ratio | 9.2161% | 4,759 |
| Tier 1 risk-based capital ratio | 13.7688% | 4,375 |
| Total risk-based capital ratio | 15.0208% | 4,309 |
| Memoranda: | ||
| Average total assets | $129,929,250 | 4,009 |
| Average earning assets | $121,541,250 | 3,958 |
| Average equity | $11,734,000 | 4,439 |
| Average total loans | $83,686,500 | 3,803 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9623% | 3,887 |
| Cost of funding earning assets | 0.3912% | 3,984 |
| Net interest margin | 3.5712% | 3,480 |
| Noninterest income to average assets | 0.3010% | 5,002 |
| Noninterest expense to average assets | 2.2762% | 5,214 |
| Loan and lease loss provision to assets | 0.1864% | 1,310 |
| Net operating income to assets | 1.1702% | 1,687 |
| Return on assets (ROA) | 1.1717% | 1,747 |
| Pretax return on assets | 1.1733% | 2,788 |
| Return on Equity (ROE) | 13.1201% | 1,144 |
| Retained earnings to average equity (ytd only) | 2.0869% | 4,856 |
| Net charge-offs to loans | 0.1040% | 2,644 |
| Credit loss provision to net charge-offs | 283.7209% | 901 |
| Earnings coverage of net charge-offs (x) | 20.6744% | 1,575 |
| Efficiency ratio | 62.6314% | 4,920 |
| Assets per employee ($millions) | 3.7893% | 4,276 |
| Cash dividends to net income (ytd only)* | 84.0939% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 3,009 |
| Loan loss allowance to noncurrent loans | 175.1783% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.5930% | 4,202 |
| Noncurrent loans to loans | 0.8422% | 3,603 |
| Net loans and leases to total assets | 63.6491% | 3,130 |
| Net loans and leases to deposits | 71.3324% | 3,663 |
| Net loans and leases to core deposits | 71.4916% | 4,101 |
| Total domestic deposits to total assets | 89.2289% | 1,232 |
| Equity capital to assets | 9.2327% | 5,067 |
| Core capital (leverage) ratio | 9.1494% | 4,818 |
| Tier 1 risk-based capital ratio | 14.2072% | 4,126 |
| Total risk-based capital ratio | 15.4594% | 4,055 |
| Memoranda: | ||
| Average total assets | $130,917,670 | 4,014 |
| Average earning assets | $122,200,670 | 3,966 |
| Average equity | $11,692,000 | 4,454 |
| Average total loans | $82,686,670 | 3,840 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7834% | 4,558 |
| Cost of funding earning assets | 0.3926% | 4,057 |
| Net interest margin | 3.3908% | 4,160 |
| Noninterest income to average assets | 0.2880% | 5,068 |
| Noninterest expense to average assets | 2.2886% | 5,220 |
| Loan and lease loss provision to assets | 0.2425% | 901 |
| Net operating income to assets | 0.9215% | 2,543 |
| Return on assets (ROA) | 0.9215% | 2,619 |
| Pretax return on assets | 0.9245% | 3,608 |
| Return on Equity (ROE) | 10.4914% | 1,870 |
| Retained earnings to average equity (ytd only) | -6.9367% | 6,240 |
| Net charge-offs to loans | 0.2136% | 1,473 |
| Credit loss provision to net charge-offs | 181.8182% | 1,115 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 1,991 |
| Efficiency ratio | 66.2281% | 4,495 |
| Assets per employee ($millions) | 3.8348% | 4,263 |
| Cash dividends to net income (ytd only)* | 166.1184% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4542% | 3,356 |
| Loan loss allowance to noncurrent loans | 102.0690% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.8897% | 3,509 |
| Noncurrent loans to loans | 1.4248% | 2,648 |
| Net loans and leases to total assets | 61.5369% | 3,310 |
| Net loans and leases to deposits | 68.6468% | 3,777 |
| Net loans and leases to core deposits | 68.9779% | 4,211 |
| Total domestic deposits to total assets | 89.6427% | 1,286 |
| Equity capital to assets | 8.8187% | 5,310 |
| Core capital (leverage) ratio | 8.8227% | 5,242 |
| Tier 1 risk-based capital ratio | 14.1853% | 4,200 |
| Total risk-based capital ratio | 15.4375% | 4,148 |
| Memoranda: | ||
| Average total assets | $131,958,500 | 4,032 |
| Average earning assets | $123,275,000 | 3,981 |
| Average equity | $11,590,500 | 4,493 |
| Average total loans | $82,414,500 | 3,875 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0798% | 3,819 |
| Cost of funding earning assets | 0.4694% | 3,922 |
| Net interest margin | 3.6104% | 3,422 |
| Noninterest income to average assets | 0.3391% | 4,896 |
| Noninterest expense to average assets | 2.4625% | 4,885 |
| Loan and lease loss provision to assets | 0.0271% | 4,588 |
| Net operating income to assets | 1.1953% | 1,587 |
| Return on assets (ROA) | 1.2100% | 1,600 |
| Pretax return on assets | 1.2107% | 2,534 |
| Return on Equity (ROE) | 13.5675% | 1,046 |
| Retained earnings to average equity (ytd only) | 2.9774% | 4,123 |
| Net charge-offs to loans | 0.0353% | 4,741 |
| Credit loss provision to net charge-offs | 120.6897% | 1,976 |
| Earnings coverage of net charge-offs (x) | 54.4828% | 747 |
| Efficiency ratio | 66.8137% | 4,404 |
| Assets per employee ($millions) | 3.8153% | 4,233 |
| Cash dividends to net income (ytd only)* | 78.0550% | 994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 3,761 |
| Loan loss allowance to noncurrent loans | 114.2289% | 3,277 |
| Noncurrent assets plus other real estate owned to assets | 0.7526% | 4,001 |
| Noncurrent loans to loans | 1.2049% | 3,134 |
| Net loans and leases to total assets | 61.6048% | 3,423 |
| Net loans and leases to deposits | 68.5162% | 3,971 |
| Net loans and leases to core deposits | 68.8367% | 4,417 |
| Total domestic deposits to total assets | 89.9128% | 1,121 |
| Equity capital to assets | 8.7490% | 5,309 |
| Core capital (leverage) ratio | 8.9588% | 5,064 |
| Tier 1 risk-based capital ratio | 14.1429% | 4,197 |
| Total risk-based capital ratio | 15.3950% | 4,145 |
| Memoranda: | ||
| Average total assets | $129,177,200 | 4,088 |
| Average earning assets | $119,736,600 | 4,055 |
| Average equity | $11,520,200 | 4,542 |
| Average total loans | $82,260,800 | 3,874 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 3,841 |
| Cost of funding earning assets | 0.4876% | 3,889 |
| Net interest margin | 3.5916% | 3,481 |
| Noninterest income to average assets | 0.3498% | 4,889 |
| Noninterest expense to average assets | 2.3358% | 5,227 |
| Loan and lease loss provision to assets | 0.0364% | 4,288 |
| Net operating income to assets | 1.3043% | 1,348 |
| Return on assets (ROA) | 1.3241% | 1,340 |
| Pretax return on assets | 1.3251% | 2,233 |
| Return on Equity (ROE) | 14.7738% | 839 |
| Retained earnings to average equity (ytd only) | 2.5204% | 4,809 |
| Net charge-offs to loans | 0.0521% | 4,160 |
| Credit loss provision to net charge-offs | 109.3750% | 2,148 |
| Earnings coverage of net charge-offs (x) | 40.2770% | 1,000 |
| Efficiency ratio | 63.5154% | 4,886 |
| Assets per employee ($millions) | 3.5382% | 4,768 |
| Cash dividends to net income (ytd only)* | 82.9400% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 4,132 |
| Loan loss allowance to noncurrent loans | 74.8855% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 1.2004% | 3,249 |
| Noncurrent loans to loans | 1.8033% | 2,493 |
| Net loans and leases to total assets | 65.6667% | 2,693 |
| Net loans and leases to deposits | 73.2817% | 3,351 |
| Net loans and leases to core deposits | 73.8126% | 3,873 |
| Total domestic deposits to total assets | 89.6086% | 1,219 |
| Equity capital to assets | 9.0614% | 5,113 |
| Core capital (leverage) ratio | 9.0397% | 5,065 |
| Tier 1 risk-based capital ratio | 13.9281% | 4,481 |
| Total risk-based capital ratio | 15.1797% | 4,434 |
| Memoranda: | ||
| Average total assets | $128,087,750 | 4,158 |
| Average earning assets | $118,681,750 | 4,115 |
| Average equity | $11,479,500 | 4,592 |
| Average total loans | $81,973,000 | 3,916 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0913% | 3,768 |
| Cost of funding earning assets | 0.5127% | 3,782 |
| Net interest margin | 3.5787% | 3,456 |
| Noninterest income to average assets | 0.3678% | 4,768 |
| Noninterest expense to average assets | 2.3565% | 5,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3170% | 1,280 |
| Return on assets (ROA) | 1.3466% | 1,299 |
| Pretax return on assets | 1.3481% | 2,131 |
| Return on Equity (ROE) | 15.0803% | 798 |
| Retained earnings to average equity (ytd only) | 4.5206% | 3,391 |
| Net charge-offs to loans | 0.0049% | 4,804 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 423.0000% | 117 |
| Efficiency ratio | 64.1221% | 4,852 |
| Assets per employee ($millions) | 3.6611% | 4,491 |
| Cash dividends to net income (ytd only)* | 70.0231% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3939% | 4,060 |
| Loan loss allowance to noncurrent loans | 171.0645% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5358% | 4,920 |
| Noncurrent loans to loans | 0.8149% | 4,281 |
| Net loans and leases to total assets | 64.8407% | 2,788 |
| Net loans and leases to deposits | 72.3539% | 3,406 |
| Net loans and leases to core deposits | 72.8884% | 3,949 |
| Total domestic deposits to total assets | 89.6159% | 1,257 |
| Equity capital to assets | 9.2168% | 4,967 |
| Core capital (leverage) ratio | 9.1820% | 4,722 |
| Tier 1 risk-based capital ratio | 14.5255% | 4,084 |
| Total risk-based capital ratio | 15.7781% | 4,053 |
| Memoranda: | ||
| Average total assets | $128,325,330 | 4,179 |
| Average earning assets | $118,591,670 | 4,149 |
| Average equity | $11,458,670 | 4,634 |
| Average total loans | $81,034,670 | 3,959 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0286% | 4,001 |
| Cost of funding earning assets | 0.5421% | 3,648 |
| Net interest margin | 3.4866% | 3,759 |
| Noninterest income to average assets | 0.3040% | 5,267 |
| Noninterest expense to average assets | 2.3494% | 5,275 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1547% | 1,652 |
| Return on assets (ROA) | 1.1824% | 1,687 |
| Pretax return on assets | 1.1824% | 2,639 |
| Return on Equity (ROE) | 13.4480% | 1,068 |
| Retained earnings to average equity (ytd only) | -1.5718% | 6,030 |
| Net charge-offs to loans | 0.0198% | 3,760 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 408 |
| Efficiency ratio | 67.0465% | 4,485 |
| Assets per employee ($millions) | 3.9544% | 4,054 |
| Cash dividends to net income (ytd only)* | 111.6883% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4276% | 4,100 |
| Loan loss allowance to noncurrent loans | 231.5041% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.3770% | 5,462 |
| Noncurrent loans to loans | 0.6167% | 4,903 |
| Net loans and leases to total assets | 60.2654% | 3,380 |
| Net loans and leases to deposits | 67.0520% | 3,907 |
| Net loans and leases to core deposits | 67.7417% | 4,339 |
| Total domestic deposits to total assets | 89.8786% | 1,122 |
| Equity capital to assets | 8.7627% | 5,744 |
| Core capital (leverage) ratio | 8.8305% | 5,138 |
| Tier 1 risk-based capital ratio | 14.2541% | 4,321 |
| Total risk-based capital ratio | 15.5064% | 4,291 |
| Memoranda: | ||
| Average total assets | $130,248,500 | 4,177 |
| Average earning assets | $119,544,000 | 4,164 |
| Average equity | $11,451,500 | 4,688 |
| Average total loans | $80,625,000 | 3,997 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5472% | 3,218 |
| Cost of funding earning assets | 0.6065% | 4,277 |
| Net interest margin | 3.9407% | 2,650 |
| Noninterest income to average assets | 0.3690% | 4,837 |
| Noninterest expense to average assets | 2.3203% | 5,634 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.6605% | 672 |
| Return on assets (ROA) | 1.6605% | 751 |
| Pretax return on assets | 1.6618% | 1,237 |
| Return on Equity (ROE) | 17.7607% | 462 |
| Retained earnings to average equity (ytd only) | 6.1121% | 2,011 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2690% | 5,792 |
| Assets per employee ($millions) | 4.4668% | 3,023 |
| Cash dividends to net income (ytd only)* | 65.5864% | 1,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 3,662 |
| Loan loss allowance to noncurrent loans | 231.4985% | 1,624 |
| Noncurrent assets plus other real estate owned to assets | 0.3853% | 5,524 |
| Noncurrent loans to loans | 0.6564% | 4,887 |
| Net loans and leases to total assets | 57.8032% | 4,014 |
| Net loans and leases to deposits | 64.1746% | 4,510 |
| Net loans and leases to core deposits | 64.6201% | 4,885 |
| Total domestic deposits to total assets | 90.0718% | 913 |
| Equity capital to assets | 8.8360% | 5,704 |
| Core capital (leverage) ratio | 9.2524% | 4,500 |
| Tier 1 risk-based capital ratio | 14.5338% | 4,008 |
| Total risk-based capital ratio | 15.7861% | 3,960 |
| Memoranda: | ||
| Average total assets | $78,050,200 | 5,408 |
| Average earning assets | $71,560,800 | 5,381 |
| Average equity | $7,297,000 | 5,687 |
| Average total loans | $49,832,600 | 5,114 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6239% | 3,117 |
| Cost of funding earning assets | 0.6286% | 4,382 |
| Net interest margin | 3.9953% | 2,517 |
| Noninterest income to average assets | 0.3772% | 4,806 |
| Noninterest expense to average assets | 2.2197% | 5,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8634% | 501 |
| Return on assets (ROA) | 1.8634% | 570 |
| Pretax return on assets | 1.8652% | 932 |
| Return on Equity (ROE) | 19.6320% | 349 |
| Retained earnings to average equity (ytd only) | 6.4765% | 2,389 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3395% | 6,219 |
| Assets per employee ($millions) | 3.9989% | 3,871 |
| Cash dividends to net income (ytd only)* | 67.0104% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5023% | 3,940 |
| Loan loss allowance to noncurrent loans | 191.6456% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.5199% | 5,375 |
| Noncurrent loans to loans | 0.7839% | 4,840 |
| Net loans and leases to total assets | 65.3225% | 2,773 |
| Net loans and leases to deposits | 73.7430% | 3,329 |
| Net loans and leases to core deposits | 74.3261% | 3,936 |
| Total domestic deposits to total assets | 88.5812% | 1,671 |
| Equity capital to assets | 9.7986% | 4,783 |
| Core capital (leverage) ratio | 9.1956% | 4,774 |
| Tier 1 risk-based capital ratio | 14.1673% | 4,401 |
| Total risk-based capital ratio | 15.4196% | 4,366 |
| Memoranda: | ||
| Average total assets | $76,345,500 | 5,504 |
| Average earning assets | $70,847,750 | 5,462 |
| Average equity | $7,246,500 | 5,759 |
| Average total loans | $49,837,250 | 5,175 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6043% | 3,338 |
| Cost of funding earning assets | 0.6336% | 4,593 |
| Net interest margin | 3.9707% | 2,632 |
| Noninterest income to average assets | 0.3662% | 4,898 |
| Noninterest expense to average assets | 2.2572% | 5,853 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.7942% | 572 |
| Return on assets (ROA) | 1.7942% | 640 |
| Pretax return on assets | 1.7968% | 1,049 |
| Return on Equity (ROE) | 19.1078% | 408 |
| Retained earnings to average equity (ytd only) | 8.2447% | 1,553 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6774% | 6,155 |
| Assets per employee ($millions) | 4.0617% | 3,741 |
| Cash dividends to net income (ytd only)* | 56.8513% | 1,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5130% | 3,958 |
| Loan loss allowance to noncurrent loans | 131.4236% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7827% | 4,833 |
| Noncurrent loans to loans | 1.1512% | 4,228 |
| Net loans and leases to total assets | 63.8535% | 3,069 |
| Net loans and leases to deposits | 71.8470% | 3,637 |
| Net loans and leases to core deposits | 72.4034% | 4,252 |
| Total domestic deposits to total assets | 88.8742% | 1,588 |
| Equity capital to assets | 9.5540% | 4,978 |
| Core capital (leverage) ratio | 9.4342% | 4,242 |
| Tier 1 risk-based capital ratio | 14.3159% | 4,235 |
| Total risk-based capital ratio | 15.5493% | 4,202 |
| Memoranda: | ||
| Average total assets | $76,467,330 | 5,531 |
| Average earning assets | $71,021,000 | 5,491 |
| Average equity | $7,180,330 | 5,792 |
| Average total loans | $49,653,330 | 5,211 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6476% | 3,278 |
| Cost of funding earning assets | 0.6453% | 4,771 |
| Net interest margin | 4.0023% | 2,495 |
| Noninterest income to average assets | 0.3153% | 5,348 |
| Noninterest expense to average assets | 2.3070% | 5,752 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7237% | 690 |
| Return on assets (ROA) | 1.7237% | 769 |
| Pretax return on assets | 1.7237% | 1,245 |
| Return on Equity (ROE) | 18.5206% | 491 |
| Retained earnings to average equity (ytd only) | 2.9927% | 4,755 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2360% | 6,014 |
| Assets per employee ($millions) | 4.2977% | 3,399 |
| Cash dividends to net income (ytd only)* | 83.8415% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 4,015 |
| Loan loss allowance to noncurrent loans | 129.6233% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.7911% | 4,964 |
| Noncurrent loans to loans | 1.1831% | 4,357 |
| Net loans and leases to total assets | 62.8325% | 3,083 |
| Net loans and leases to deposits | 70.4312% | 3,670 |
| Net loans and leases to core deposits | 70.9722% | 4,294 |
| Total domestic deposits to total assets | 89.2112% | 1,550 |
| Equity capital to assets | 9.1936% | 5,243 |
| Core capital (leverage) ratio | 9.2423% | 4,454 |
| Tier 1 risk-based capital ratio | 14.1204% | 4,380 |
| Total risk-based capital ratio | 15.3733% | 4,347 |
| Memoranda: | ||
| Average total assets | $76,115,000 | 5,589 |
| Average earning assets | $70,660,000 | 5,538 |
| Average equity | $7,084,000 | 5,846 |
| Average total loans | $49,463,000 | 5,249 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9124% | 3,298 |
| Cost of funding earning assets | 0.8479% | 4,485 |
| Net interest margin | 4.0645% | 2,587 |
| Noninterest income to average assets | 0.3379% | 5,114 |
| Noninterest expense to average assets | 2.4963% | 5,480 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6043% | 654 |
| Return on assets (ROA) | 1.6043% | 714 |
| Pretax return on assets | 1.6056% | 1,184 |
| Return on Equity (ROE) | 17.3497% | 442 |
| Retained earnings to average equity (ytd only) | 4.7796% | 2,801 |
| Net charge-offs to loans | 0.0305% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 79.2000% | 372 |
| Efficiency ratio | 60.8567% | 5,625 |
| Assets per employee ($millions) | 3.9406% | 3,983 |
| Cash dividends to net income (ytd only)* | 72.4516% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5273% | 3,899 |
| Loan loss allowance to noncurrent loans | 151.7034% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.7039% | 5,232 |
| Noncurrent loans to loans | 1.0068% | 4,692 |
| Net loans and leases to total assets | 65.1859% | 2,940 |
| Net loans and leases to deposits | 73.2559% | 3,626 |
| Net loans and leases to core deposits | 73.2559% | 4,342 |
| Total domestic deposits to total assets | 88.9839% | 1,547 |
| Equity capital to assets | 9.4241% | 4,997 |
| Core capital (leverage) ratio | 9.2187% | 4,440 |
| Tier 1 risk-based capital ratio | 13.8429% | 4,449 |
| Total risk-based capital ratio | 15.0968% | 4,401 |
| Memoranda: | ||
| Average total assets | $73,990,800 | 5,645 |
| Average earning assets | $68,520,200 | 5,593 |
| Average equity | $6,841,600 | 5,912 |
| Average total loans | $49,196,600 | 5,297 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 3,552 |
| Cost of funding earning assets | 0.8891% | 4,478 |
| Net interest margin | 4.0116% | 2,869 |
| Noninterest income to average assets | 0.3380% | 5,149 |
| Noninterest expense to average assets | 2.2990% | 6,042 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7477% | 568 |
| Return on assets (ROA) | 1.7477% | 624 |
| Pretax return on assets | 1.7495% | 1,043 |
| Return on Equity (ROE) | 18.9938% | 385 |
| Retained earnings to average equity (ytd only) | 8.4854% | 1,315 |
| Net charge-offs to loans | 0.0407% | 5,586 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 64.5315% | 510 |
| Efficiency ratio | 56.7857% | 6,173 |
| Assets per employee ($millions) | 3.9043% | 4,065 |
| Cash dividends to net income (ytd only)* | 55.3261% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 4,078 |
| Loan loss allowance to noncurrent loans | 191.6456% | 1,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5702% | 5,690 |
| Noncurrent loans to loans | 0.7838% | 5,313 |
| Net loans and leases to total assets | 66.9161% | 2,689 |
| Net loans and leases to deposits | 76.1930% | 3,299 |
| Net loans and leases to core deposits | 76.4854% | 4,136 |
| Total domestic deposits to total assets | 87.8244% | 2,152 |
| Equity capital to assets | 9.6386% | 4,874 |
| Core capital (leverage) ratio | 9.4937% | 4,152 |
| Tier 1 risk-based capital ratio | 13.8516% | 4,454 |
| Total risk-based capital ratio | 15.1052% | 4,414 |
| Memoranda: | ||
| Average total assets | $73,770,500 | 5,688 |
| Average earning assets | $68,233,000 | 5,646 |
| Average equity | $6,788,000 | 5,968 |
| Average total loans | $49,105,000 | 5,341 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7731% | 4,200 |
| Cost of funding earning assets | 0.9121% | 4,571 |
| Net interest margin | 3.8610% | 3,483 |
| Noninterest income to average assets | 0.3232% | 5,309 |
| Noninterest expense to average assets | 2.3033% | 6,116 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6161% | 709 |
| Return on assets (ROA) | 1.6161% | 754 |
| Pretax return on assets | 1.6188% | 1,223 |
| Return on Equity (ROE) | 17.8482% | 474 |
| Retained earnings to average equity (ytd only) | 5.3995% | 2,736 |
| Net charge-offs to loans | 0.0616% | 5,033 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 39.7333% | 746 |
| Efficiency ratio | 58.7258% | 6,072 |
| Assets per employee ($millions) | 3.8833% | 4,028 |
| Cash dividends to net income (ytd only)* | 69.7479% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 3,903 |
| Loan loss allowance to noncurrent loans | 121.7042% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.8810% | 5,114 |
| Noncurrent loans to loans | 1.2744% | 4,539 |
| Net loans and leases to total assets | 65.1220% | 3,229 |
| Net loans and leases to deposits | 73.8500% | 3,823 |
| Net loans and leases to core deposits | 74.1337% | 4,566 |
| Total domestic deposits to total assets | 88.1816% | 2,023 |
| Equity capital to assets | 9.2975% | 5,138 |
| Core capital (leverage) ratio | 9.2754% | 4,282 |
| Tier 1 risk-based capital ratio | 13.7584% | 4,329 |
| Total risk-based capital ratio | 15.0113% | 4,307 |
| Memoranda: | ||
| Average total assets | $73,633,670 | 5,730 |
| Average earning assets | $68,634,670 | 5,674 |
| Average equity | $6,667,330 | 6,027 |
| Average total loans | $48,674,670 | 5,411 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 4,104 |
| Cost of funding earning assets | 0.9463% | 4,598 |
| Net interest margin | 3.8434% | 3,399 |
| Noninterest income to average assets | 0.3263% | 5,299 |
| Noninterest expense to average assets | 2.3818% | 5,943 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5226% | 837 |
| Return on assets (ROA) | 1.5226% | 877 |
| Pretax return on assets | 1.5226% | 1,382 |
| Return on Equity (ROE) | 17.0446% | 567 |
| Retained earnings to average equity (ytd only) | -2.1306% | 6,167 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0028% | 5,835 |
| Assets per employee ($millions) | 3.9773% | 3,881 |
| Cash dividends to net income (ytd only)* | 112.5000% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 3,692 |
| Loan loss allowance to noncurrent loans | 233.9394% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 6,067 |
| Noncurrent loans to loans | 0.6876% | 5,647 |
| Net loans and leases to total assets | 65.9580% | 3,021 |
| Net loans and leases to deposits | 74.7886% | 3,636 |
| Net loans and leases to core deposits | 75.2031% | 4,397 |
| Total domestic deposits to total assets | 88.1926% | 2,268 |
| Equity capital to assets | 9.1813% | 4,898 |
| Core capital (leverage) ratio | 9.0867% | 4,470 |
| Tier 1 risk-based capital ratio | 13.3662% | 4,530 |
| Total risk-based capital ratio | 14.3385% | 4,740 |
| Memoranda: | ||
| Average total assets | $73,559,000 | 5,772 |
| Average earning assets | $68,480,500 | 5,717 |
| Average equity | $6,571,000 | 6,069 |
| Average total loans | $48,609,000 | 5,452 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 1,821 |
| Cost of funding earning assets | 1.2899% | 3,950 |
| Net interest margin | 4.3293% | 1,718 |
| Noninterest income to average assets | 0.3840% | 5,031 |
| Noninterest expense to average assets | 2.5594% | 5,577 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.7817% | 438 |
| Return on assets (ROA) | 1.7817% | 474 |
| Pretax return on assets | 1.7845% | 789 |
| Return on Equity (ROE) | 19.8673% | 260 |
| Retained earnings to average equity (ytd only) | 5.6208% | 2,041 |
| Net charge-offs to loans | -0.0040% | 7,252 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9200% | 6,215 |
| Assets per employee ($millions) | 3.9751% | 3,838 |
| Cash dividends to net income (ytd only)* | 71.7085% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 3,707 |
| Loan loss allowance to noncurrent loans | 225.0729% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4541% | 6,147 |
| Noncurrent loans to loans | 0.6968% | 5,657 |
| Net loans and leases to total assets | 64.1545% | 3,841 |
| Net loans and leases to deposits | 72.4795% | 4,434 |
| Net loans and leases to core deposits | 72.8588% | 5,115 |
| Total domestic deposits to total assets | 88.5140% | 1,938 |
| Equity capital to assets | 8.6976% | 5,590 |
| Core capital (leverage) ratio | 8.9735% | 4,588 |
| Tier 1 risk-based capital ratio | 12.6482% | 4,896 |
| Total risk-based capital ratio | 13.9012% | 4,877 |
| Memoranda: | ||
| Average total assets | $71,618,000 | 5,833 |
| Average earning assets | $65,507,000 | 5,813 |
| Average equity | $6,422,600 | 6,226 |
| Average total loans | $50,498,600 | 5,467 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6942% | 1,735 |
| Cost of funding earning assets | 1.3687% | 3,787 |
| Net interest margin | 4.3255% | 1,755 |
| Noninterest income to average assets | 0.3907% | 5,035 |
| Noninterest expense to average assets | 2.3140% | 6,281 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.0196% | 327 |
| Return on assets (ROA) | 2.0196% | 354 |
| Pretax return on assets | 2.0196% | 597 |
| Return on Equity (ROE) | 22.3400% | 186 |
| Retained earnings to average equity (ytd only) | 5.9504% | 2,384 |
| Net charge-offs to loans | -0.0053% | 7,215 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3972% | 6,847 |
| Assets per employee ($millions) | 3.7644% | 4,355 |
| Cash dividends to net income (ytd only)* | 73.3645% | 816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 4,012 |
| Loan loss allowance to noncurrent loans | 162.7368% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 0.6641% | 5,793 |
| Noncurrent loans to loans | 0.9155% | 5,412 |
| Net loans and leases to total assets | 71.4571% | 2,366 |
| Net loans and leases to deposits | 82.1979% | 3,065 |
| Net loans and leases to core deposits | 83.0001% | 4,087 |
| Total domestic deposits to total assets | 86.9331% | 2,571 |
| Equity capital to assets | 9.1494% | 5,384 |
| Core capital (leverage) ratio | 9.1054% | 4,524 |
| Tier 1 risk-based capital ratio | 12.5560% | 4,930 |
| Total risk-based capital ratio | 13.8069% | 4,911 |
| Memoranda: | ||
| Average total assets | $70,640,750 | 5,928 |
| Average earning assets | $64,392,000 | 5,907 |
| Average equity | $6,386,000 | 6,324 |
| Average total loans | $50,816,750 | 5,535 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5996% | 2,139 |
| Cost of funding earning assets | 1.3968% | 3,895 |
| Net interest margin | 4.2028% | 2,149 |
| Noninterest income to average assets | 0.4094% | 4,831 |
| Noninterest expense to average assets | 2.2688% | 6,443 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.9816% | 343 |
| Return on assets (ROA) | 1.9816% | 377 |
| Pretax return on assets | 1.9816% | 619 |
| Return on Equity (ROE) | 22.0105% | 212 |
| Retained earnings to average equity (ytd only) | 9.0632% | 1,081 |
| Net charge-offs to loans | 0.0040% | 6,322 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 697.0000% | 43 |
| Efficiency ratio | 53.3779% | 6,947 |
| Assets per employee ($millions) | 3.7164% | 4,419 |
| Cash dividends to net income (ytd only)* | 58.8235% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 3,954 |
| Loan loss allowance to noncurrent loans | 119.0108% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.9163% | 5,285 |
| Noncurrent loans to loans | 1.2577% | 4,864 |
| Net loans and leases to total assets | 71.7640% | 2,467 |
| Net loans and leases to deposits | 82.6494% | 3,148 |
| Net loans and leases to core deposits | 84.4398% | 4,080 |
| Total domestic deposits to total assets | 86.8294% | 2,633 |
| Equity capital to assets | 9.2590% | 5,060 |
| Core capital (leverage) ratio | 9.2973% | 4,127 |
| Tier 1 risk-based capital ratio | 12.6171% | 4,760 |
| Total risk-based capital ratio | 13.8699% | 4,724 |
| Memoranda: | ||
| Average total assets | $70,346,330 | 5,969 |
| Average earning assets | $64,290,000 | 5,953 |
| Average equity | $6,333,330 | 6,361 |
| Average total loans | $50,461,670 | 5,583 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5852% | 2,218 |
| Cost of funding earning assets | 1.4494% | 3,882 |
| Net interest margin | 4.1358% | 2,294 |
| Noninterest income to average assets | 0.3760% | 5,132 |
| Noninterest expense to average assets | 2.2731% | 6,470 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8743% | 426 |
| Return on assets (ROA) | 1.8743% | 467 |
| Pretax return on assets | 1.8743% | 767 |
| Return on Equity (ROE) | 21.1202% | 325 |
| Retained earnings to average equity (ytd only) | 3.4665% | 4,068 |
| Net charge-offs to loans | 0.0080% | 5,482 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 329.0000% | 90 |
| Efficiency ratio | 54.8077% | 6,904 |
| Assets per employee ($millions) | 3.8783% | 4,148 |
| Cash dividends to net income (ytd only)* | 83.5866% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5598% | 3,618 |
| Loan loss allowance to noncurrent loans | 232.6284% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.6002% | 6,012 |
| Noncurrent loans to loans | 0.6705% | 5,985 |
| Net loans and leases to total assets | 69.6089% | 3,032 |
| Net loans and leases to deposits | 79.6662% | 3,718 |
| Net loans and leases to core deposits | 80.9307% | 4,636 |
| Total domestic deposits to total assets | 87.3757% | 2,422 |
| Equity capital to assets | 8.9658% | 5,330 |
| Core capital (leverage) ratio | 8.9490% | 4,647 |
| Tier 1 risk-based capital ratio | 12.2025% | 4,992 |
| Total risk-based capital ratio | 13.4551% | 4,963 |
| Memoranda: | ||
| Average total assets | $70,213,500 | 6,040 |
| Average earning assets | $64,026,500 | 6,031 |
| Average equity | $6,231,000 | 6,437 |
| Average total loans | $49,970,500 | 5,666 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1235% | 1,454 |
| Cost of funding earning assets | 1.6686% | 4,679 |
| Net interest margin | 4.4549% | 1,282 |
| Noninterest income to average assets | 0.4323% | 4,936 |
| Noninterest expense to average assets | 2.6156% | 5,738 |
| Loan and lease loss provision to assets | 0.0189% | 7,314 |
| Net operating income to assets | 1.8801% | 303 |
| Return on assets (ROA) | 1.9018% | 298 |
| Pretax return on assets | 1.9018% | 508 |
| Return on Equity (ROE) | 21.4665% | 180 |
| Retained earnings to average equity (ytd only) | 6.3204% | 1,220 |
| Net charge-offs to loans | 0.0157% | 7,001 |
| Credit loss provision to net charge-offs | 162.5000% | 2,711 |
| Earnings coverage of net charge-offs (x) | 163.6250% | 179 |
| Efficiency ratio | 57.9370% | 6,769 |
| Assets per employee ($millions) | 3.9232% | 3,972 |
| Cash dividends to net income (ytd only)* | 70.5568% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5244% | 3,600 |
| Loan loss allowance to noncurrent loans | 192.7500% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 6,044 |
| Noncurrent loans to loans | 0.7909% | 5,699 |
| Net loans and leases to total assets | 70.5298% | 3,121 |
| Net loans and leases to deposits | 80.4672% | 3,898 |
| Net loans and leases to core deposits | 87.6990% | 5,357 |
| Total domestic deposits to total assets | 87.6503% | 2,146 |
| Equity capital to assets | 8.7840% | 5,465 |
| Core capital (leverage) ratio | 8.9777% | 4,461 |
| Tier 1 risk-based capital ratio | 12.0450% | 4,909 |
| Total risk-based capital ratio | 13.2979% | 4,866 |
| Memoranda: | ||
| Average total assets | $68,933,000 | 6,038 |
| Average earning assets | $63,166,600 | 6,030 |
| Average equity | $6,107,200 | 6,571 |
| Average total loans | $50,962,200 | 5,626 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2416% | 1,262 |
| Cost of funding earning assets | 1.7146% | 4,824 |
| Net interest margin | 4.5270% | 1,128 |
| Noninterest income to average assets | 0.4242% | 5,099 |
| Noninterest expense to average assets | 2.4307% | 6,309 |
| Loan and lease loss provision to assets | 0.0253% | 7,102 |
| Net operating income to assets | 2.1251% | 221 |
| Return on assets (ROA) | 2.1407% | 237 |
| Pretax return on assets | 2.1407% | 408 |
| Return on Equity (ROE) | 24.1093% | 124 |
| Retained earnings to average equity (ytd only) | 12.0547% | 340 |
| Net charge-offs to loans | 0.0209% | 6,608 |
| Credit loss provision to net charge-offs | 162.5000% | 2,903 |
| Earnings coverage of net charge-offs (x) | 138.0787% | 276 |
| Efficiency ratio | 53.0586% | 7,330 |
| Assets per employee ($millions) | 3.7648% | 4,274 |
| Cash dividends to net income (ytd only)* | 50.0003% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5352% | 3,256 |
| Loan loss allowance to noncurrent loans | 179.7203% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.6331% | 5,865 |
| Noncurrent loans to loans | 0.8542% | 5,590 |
| Net loans and leases to total assets | 72.9717% | 2,803 |
| Net loans and leases to deposits | 84.1087% | 3,622 |
| Net loans and leases to core deposits | 92.0565% | 5,228 |
| Total domestic deposits to total assets | 86.7588% | 2,299 |
| Equity capital to assets | 9.4310% | 4,838 |
| Core capital (leverage) ratio | 9.3602% | 4,100 |
| Tier 1 risk-based capital ratio | 12.1519% | 4,837 |
| Total risk-based capital ratio | 13.3989% | 4,790 |
| Memoranda: | ||
| Average total assets | $68,512,000 | 6,088 |
| Average earning assets | $62,909,250 | 6,075 |
| Average equity | $6,083,250 | 6,634 |
| Average total loans | $51,058,500 | 5,668 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2964% | 1,214 |
| Cost of funding earning assets | 1.7587% | 4,954 |
| Net interest margin | 4.5377% | 1,084 |
| Noninterest income to average assets | 0.4799% | 4,624 |
| Noninterest expense to average assets | 2.4316% | 6,365 |
| Loan and lease loss provision to assets | 0.0378% | 6,860 |
| Net operating income to assets | 2.1757% | 207 |
| Return on assets (ROA) | 2.1757% | 227 |
| Pretax return on assets | 2.1757% | 380 |
| Return on Equity (ROE) | 25.0139% | 136 |
| Retained earnings to average equity (ytd only) | 10.8015% | 592 |
| Net charge-offs to loans | 0.0156% | 6,312 |
| Credit loss provision to net charge-offs | 325.0000% | 1,436 |
| Earnings coverage of net charge-offs (x) | 190.2500% | 216 |
| Efficiency ratio | 52.3482% | 7,483 |
| Assets per employee ($millions) | 3.7421% | 4,226 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 3,029 |
| Loan loss allowance to noncurrent loans | 156.2500% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.7364% | 5,576 |
| Noncurrent loans to loans | 0.9798% | 5,249 |
| Net loans and leases to total assets | 74.0046% | 2,698 |
| Net loans and leases to deposits | 85.0445% | 3,722 |
| Net loans and leases to core deposits | 96.6196% | 4,832 |
| Total domestic deposits to total assets | 87.0186% | 2,245 |
| Equity capital to assets | 9.1511% | 5,096 |
| Core capital (leverage) ratio | 9.0025% | 4,627 |
| Tier 1 risk-based capital ratio | 12.0050% | 4,910 |
| Total risk-based capital ratio | 13.2590% | 4,832 |
| Memoranda: | ||
| Average total assets | $68,760,670 | 6,122 |
| Average earning assets | $63,115,330 | 6,108 |
| Average equity | $5,980,670 | 6,724 |
| Average total loans | $51,337,670 | 5,705 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4553% | 947 |
| Cost of funding earning assets | 1.7879% | 5,173 |
| Net interest margin | 4.6674% | 827 |
| Noninterest income to average assets | 0.5068% | 4,263 |
| Noninterest expense to average assets | 2.4301% | 6,098 |
| Loan and lease loss provision to assets | 0.0749% | 6,022 |
| Net operating income to assets | 2.2861% | 199 |
| Return on assets (ROA) | 2.2861% | 230 |
| Pretax return on assets | 2.2861% | 373 |
| Return on Equity (ROE) | 26.9655% | 142 |
| Retained earnings to average equity (ytd only) | 6.5886% | 2,383 |
| Net charge-offs to loans | 0.0232% | 5,231 |
| Credit loss provision to net charge-offs | 433.3333% | 1,213 |
| Earnings coverage of net charge-offs (x) | 136.6667% | 322 |
| Efficiency ratio | 50.7212% | 7,536 |
| Assets per employee ($millions) | 4.0075% | 3,648 |
| Cash dividends to net income (ytd only)* | 75.5668% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5118% | 2,917 |
| Loan loss allowance to noncurrent loans | 168.3297% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 5,468 |
| Noncurrent loans to loans | 0.8981% | 5,205 |
| Net loans and leases to total assets | 74.2015% | 2,707 |
| Net loans and leases to deposits | 84.8458% | 3,843 |
| Net loans and leases to core deposits | 97.0158% | 4,844 |
| Total domestic deposits to total assets | 87.4545% | 1,989 |
| Equity capital to assets | 8.7086% | 5,754 |
| Core capital (leverage) ratio | 8.6301% | 5,282 |
| Tier 1 risk-based capital ratio | 11.5085% | 5,404 |
| Total risk-based capital ratio | 12.7626% | 5,294 |
| Memoranda: | ||
| Average total assets | $69,462,000 | 6,127 |
| Average earning assets | $63,761,500 | 6,117 |
| Average equity | $5,889,000 | 6,818 |
| Average total loans | $51,695,000 | 5,729 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6176% | 2,401 |
| Cost of funding earning assets | 2.4015% | 4,713 |
| Net interest margin | 4.2161% | 2,250 |
| Noninterest income to average assets | 0.5427% | 4,291 |
| Noninterest expense to average assets | 2.4841% | 6,075 |
| Loan and lease loss provision to assets | 0.5753% | 2,522 |
| Net operating income to assets | 1.3504% | 1,343 |
| Return on assets (ROA) | 1.3504% | 1,303 |
| Pretax return on assets | 1.3518% | 2,122 |
| Return on Equity (ROE) | 16.1877% | 744 |
| Retained earnings to average equity (ytd only) | -0.0340% | 5,270 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3122% | 6,963 |
| Assets per employee ($millions) | 4.1645% | 3,179 |
| Cash dividends to net income (ytd only)* | 100.2099% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4713% | 2,822 |
| Loan loss allowance to noncurrent loans | 64.1541% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 1.6865% | 2,881 |
| Noncurrent loans to loans | 2.2934% | 2,414 |
| Net loans and leases to total assets | 72.4561% | 3,492 |
| Net loans and leases to deposits | 82.2236% | 4,689 |
| Net loans and leases to core deposits | 93.2536% | 5,524 |
| Total domestic deposits to total assets | 88.1208% | 1,420 |
| Equity capital to assets | 8.2561% | 6,474 |
| Core capital (leverage) ratio | 8.2996% | 5,951 |
| Tier 1 risk-based capital ratio | 11.2293% | 5,510 |
| Total risk-based capital ratio | 12.4828% | 5,387 |
| Memoranda: | ||
| Average total assets | $70,570,200 | 6,017 |
| Average earning assets | $64,751,600 | 6,001 |
| Average equity | $5,887,200 | 6,842 |
| Average total loans | $53,397,200 | 5,553 |