Home > Janesville State Bank > Performance and Condition Ratios
Janesville State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1684% | 3,685 |
| Cost of funding earning assets | 1.2527% | 2,653 |
| Net interest margin | 2.9157% | 3,446 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 1.8790% | 3,875 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0436% | 2,085 |
| Return on assets (ROA) | 1.0436% | 2,054 |
| Pretax return on assets | 1.1215% | 2,347 |
| Return on Equity (ROE) | 10.9000% | 2,257 |
| Retained earnings to average equity (ytd only) | 6.3207% | 2,128 |
| Net charge-offs to loans | 0.0079% | 2,376 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 204.6000% | 580 |
| Efficiency ratio | 62.6233% | 2,768 |
| Assets per employee ($millions) | 10.4056% | 634 |
| Cash dividends to net income (ytd only)* | 42.0168% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1314% | 2,650 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 70.6400% | 1,740 |
| Net loans and leases to deposits | 87.2142% | 1,517 |
| Net loans and leases to core deposits | 100.9369% | 1,379 |
| Total domestic deposits to total assets | 80.9900% | 3,306 |
| Equity capital to assets | 10.0993% | 1,952 |
| Core capital (leverage) ratio | 12.1413% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $91,220,000 | 3,907 |
| Average earning assets | $86,772,400 | 3,860 |
| Average equity | $8,733,200 | 3,851 |
| Average total loans | $63,328,000 | 3,658 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1036% | 3,655 |
| Cost of funding earning assets | 1.1515% | 2,585 |
| Net interest margin | 2.9521% | 3,427 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.8363% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.2154% | 1,752 |
| Return on assets (ROA) | 1.2154% | 1,741 |
| Pretax return on assets | 1.1992% | 2,298 |
| Return on Equity (ROE) | 12.8800% | 1,922 |
| Retained earnings to average equity (ytd only) | 6.6416% | 2,420 |
| Net charge-offs to loans | 0.0107% | 2,003 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 163.0000% | 695 |
| Efficiency ratio | 60.4944% | 2,908 |
| Assets per employee ($millions) | 9.9074% | 689 |
| Cash dividends to net income (ytd only)* | 48.4262% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,270 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 68.8400% | 1,963 |
| Net loans and leases to deposits | 82.4106% | 1,874 |
| Net loans and leases to core deposits | 94.0998% | 1,670 |
| Total domestic deposits to total assets | 83.5400% | 2,892 |
| Equity capital to assets | 9.6493% | 2,017 |
| Core capital (leverage) ratio | 11.8431% | 1,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $90,612,500 | 3,925 |
| Average earning assets | $86,264,250 | 3,881 |
| Average equity | $8,552,000 | 3,872 |
| Average total loans | $62,432,750 | 3,680 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 3,721 |
| Cost of funding earning assets | 1.0196% | 2,533 |
| Net interest margin | 2.9642% | 3,525 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.8464% | 3,915 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2471% | 1,702 |
| Return on assets (ROA) | 1.2471% | 1,697 |
| Pretax return on assets | 1.1944% | 2,374 |
| Return on Equity (ROE) | 13.3100% | 1,837 |
| Retained earnings to average equity (ytd only) | 3.9369% | 3,219 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.7220% | 2,866 |
| Assets per employee ($millions) | 10.3260% | 605 |
| Cash dividends to net income (ytd only)* | 70.4225% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,330 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 66.3400% | 2,117 |
| Net loans and leases to deposits | 78.6940% | 2,068 |
| Net loans and leases to core deposits | 90.1161% | 1,789 |
| Total domestic deposits to total assets | 84.3000% | 2,750 |
| Equity capital to assets | 9.3335% | 2,283 |
| Core capital (leverage) ratio | 11.5303% | 1,602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $91,094,333 | 3,929 |
| Average earning assets | $86,702,000 | 3,890 |
| Average equity | $8,534,667 | 3,897 |
| Average total loans | $62,529,333 | 3,680 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7848% | 3,888 |
| Cost of funding earning assets | 0.8400% | 2,570 |
| Net interest margin | 2.9448% | 3,712 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 1.5836% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5570% | 1,065 |
| Return on assets (ROA) | 1.5570% | 1,058 |
| Pretax return on assets | 1.3973% | 1,888 |
| Return on Equity (ROE) | 16.5900% | 1,245 |
| Retained earnings to average equity (ytd only) | -2.3154% | 4,220 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 53.1250% | 3,694 |
| Assets per employee ($millions) | 9.9790% | 704 |
| Cash dividends to net income (ytd only)* | 113.9601% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,388 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 68.2000% | 1,813 |
| Net loans and leases to deposits | 78.3182% | 1,938 |
| Net loans and leases to core deposits | 84.6212% | 1,949 |
| Total domestic deposits to total assets | 87.0800% | 2,235 |
| Equity capital to assets | 9.5445% | 2,106 |
| Core capital (leverage) ratio | 11.6118% | 1,500 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $90,174,500 | 3,992 |
| Average earning assets | $85,711,000 | 3,953 |
| Average equity | $8,465,000 | 3,957 |
| Average total loans | $62,586,500 | 3,722 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3993% | 3,347 |
| Cost of funding earning assets | 0.3258% | 2,674 |
| Net interest margin | 3.0735% | 3,249 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.0422% | 3,462 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9374% | 2,824 |
| Return on assets (ROA) | 0.9374% | 2,767 |
| Pretax return on assets | 1.0455% | 2,927 |
| Return on Equity (ROE) | 10.3200% | 2,709 |
| Retained earnings to average equity (ytd only) | 1.8653% | 4,006 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 66.1407% | 2,214 |
| Assets per employee ($millions) | 10.0598% | 659 |
| Cash dividends to net income (ytd only)* | 81.9209% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2080% | 2,344 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 68.9200% | 1,741 |
| Net loans and leases to deposits | 80.5045% | 1,736 |
| Net loans and leases to core deposits | 84.3731% | 1,854 |
| Total domestic deposits to total assets | 85.6100% | 2,829 |
| Equity capital to assets | 9.2315% | 2,205 |
| Core capital (leverage) ratio | 11.5410% | 1,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $94,405,800 | 3,973 |
| Average earning assets | $89,018,200 | 3,938 |
| Average equity | $8,577,800 | 4,040 |
| Average total loans | $59,893,800 | 3,729 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3471% | 3,058 |
| Cost of funding earning assets | 0.2418% | 2,794 |
| Net interest margin | 3.1053% | 2,922 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.0662% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9367% | 2,731 |
| Return on assets (ROA) | 0.9367% | 2,695 |
| Pretax return on assets | 1.0792% | 2,784 |
| Return on Equity (ROE) | 10.3500% | 2,623 |
| Retained earnings to average equity (ytd only) | -0.8495% | 4,410 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.6889% | 2,323 |
| Assets per employee ($millions) | 9.9561% | 665 |
| Cash dividends to net income (ytd only)* | 108.2090% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,356 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 68.1700% | 1,662 |
| Net loans and leases to deposits | 77.4335% | 1,763 |
| Net loans and leases to core deposits | 79.4964% | 1,936 |
| Total domestic deposits to total assets | 88.0400% | 2,423 |
| Equity capital to assets | 8.5899% | 2,487 |
| Core capital (leverage) ratio | 10.7633% | 1,910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $95,372,750 | 3,995 |
| Average earning assets | $89,866,500 | 3,960 |
| Average equity | $8,632,750 | 4,077 |
| Average total loans | $59,076,750 | 3,761 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2166% | 2,991 |
| Cost of funding earning assets | 0.2104% | 2,773 |
| Net interest margin | 3.0063% | 2,857 |
| Noninterest income to average assets | 0.2569% | 3,632 |
| Noninterest expense to average assets | 1.8171% | 3,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1162% | 1,719 |
| Return on assets (ROA) | 1.1162% | 1,693 |
| Pretax return on assets | 1.2601% | 1,870 |
| Return on Equity (ROE) | 12.1413% | 1,634 |
| Retained earnings to average equity (ytd only) | -4.0695% | 4,500 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0514% | 3,435 |
| Assets per employee ($millions) | 10.5884% | 555 |
| Cash dividends to net income (ytd only)* | 133.5175% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2803% | 2,277 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 61.7382% | 2,149 |
| Net loans and leases to deposits | 70.0080% | 2,201 |
| Net loans and leases to core deposits | 70.6350% | 2,434 |
| Total domestic deposits to total assets | 88.1873% | 2,502 |
| Equity capital to assets | 8.6719% | 2,635 |
| Core capital (leverage) ratio | 10.2628% | 2,133 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,295,333 | 4,021 |
| Average earning assets | $91,276,000 | 3,998 |
| Average equity | $8,944,667 | 4,110 |
| Average total loans | $58,153,000 | 3,819 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1774% | 2,758 |
| Cost of funding earning assets | 0.2136% | 2,617 |
| Net interest margin | 2.9638% | 2,624 |
| Noninterest income to average assets | 0.3622% | 2,922 |
| Noninterest expense to average assets | 1.6766% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3022% | 1,002 |
| Return on assets (ROA) | 1.3022% | 995 |
| Pretax return on assets | 1.4528% | 1,123 |
| Return on Equity (ROE) | 13.7857% | 875 |
| Retained earnings to average equity (ytd only) | -17.4475% | 4,672 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5761% | 4,084 |
| Assets per employee ($millions) | 10.7607% | 547 |
| Cash dividends to net income (ytd only)* | 226.5625% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3369% | 2,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.1449% | 2,283 |
| Net loans and leases to deposits | 66.6363% | 2,280 |
| Net loans and leases to core deposits | 67.2298% | 2,521 |
| Total domestic deposits to total assets | 87.2571% | 2,829 |
| Equity capital to assets | 8.7964% | 2,881 |
| Core capital (leverage) ratio | 9.8861% | 2,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,295,000 | 4,023 |
| Average earning assets | $91,774,000 | 4,010 |
| Average equity | $9,285,000 | 4,132 |
| Average total loans | $57,431,000 | 3,841 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 2,181 |
| Cost of funding earning assets | 0.3270% | 2,145 |
| Net interest margin | 3.3516% | 2,160 |
| Noninterest income to average assets | 0.1859% | 4,226 |
| Noninterest expense to average assets | 1.8366% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3095% | 1,576 |
| Return on assets (ROA) | 1.3095% | 1,616 |
| Pretax return on assets | 1.4398% | 1,914 |
| Return on Equity (ROE) | 11.5274% | 1,975 |
| Retained earnings to average equity (ytd only) | -0.2695% | 4,527 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0554% | 3,703 |
| Assets per employee ($millions) | 11.0827% | 493 |
| Cash dividends to net income (ytd only)* | 102.3377% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3203% | 2,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 57.1714% | 2,457 |
| Net loans and leases to deposits | 66.4085% | 2,472 |
| Net loans and leases to core deposits | 66.9905% | 2,734 |
| Total domestic deposits to total assets | 86.0904% | 2,866 |
| Equity capital to assets | 10.0768% | 2,587 |
| Core capital (leverage) ratio | 10.6894% | 1,765 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,204,600 | 4,114 |
| Average earning assets | $81,334,600 | 4,109 |
| Average equity | $10,019,600 | 4,125 |
| Average total loans | $57,631,200 | 3,856 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8649% | 1,876 |
| Cost of funding earning assets | 0.3566% | 2,046 |
| Net interest margin | 3.5083% | 1,843 |
| Noninterest income to average assets | 0.1781% | 4,311 |
| Noninterest expense to average assets | 1.7862% | 4,195 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6190% | 988 |
| Return on assets (ROA) | 1.6190% | 1,031 |
| Pretax return on assets | 1.6205% | 1,640 |
| Return on Equity (ROE) | 13.7968% | 1,453 |
| Retained earnings to average equity (ytd only) | -1.9443% | 4,700 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4312% | 3,993 |
| Assets per employee ($millions) | 9.5132% | 766 |
| Cash dividends to net income (ytd only)* | 114.0927% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 2,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 66.2575% | 1,509 |
| Net loans and leases to deposits | 79.1674% | 1,366 |
| Net loans and leases to core deposits | 79.9958% | 1,733 |
| Total domestic deposits to total assets | 83.6929% | 3,540 |
| Equity capital to assets | 11.7439% | 1,518 |
| Core capital (leverage) ratio | 11.8041% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,319,750 | 4,202 |
| Average earning assets | $78,516,500 | 4,199 |
| Average equity | $10,011,750 | 4,186 |
| Average total loans | $57,592,000 | 3,912 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 2,040 |
| Cost of funding earning assets | 0.3826% | 2,033 |
| Net interest margin | 3.4283% | 2,065 |
| Noninterest income to average assets | 0.1924% | 4,238 |
| Noninterest expense to average assets | 1.7836% | 4,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5607% | 1,146 |
| Return on assets (ROA) | 1.5607% | 1,208 |
| Pretax return on assets | 1.5630% | 1,840 |
| Return on Equity (ROE) | 13.3035% | 1,625 |
| Retained earnings to average equity (ytd only) | -3.7010% | 4,746 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2959% | 3,888 |
| Assets per employee ($millions) | 9.6643% | 682 |
| Cash dividends to net income (ytd only)* | 127.8195% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3121% | 2,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 65.9791% | 1,699 |
| Net loans and leases to deposits | 79.0066% | 1,518 |
| Net loans and leases to core deposits | 81.2378% | 1,773 |
| Total domestic deposits to total assets | 83.5110% | 3,572 |
| Equity capital to assets | 11.5016% | 1,627 |
| Core capital (leverage) ratio | 11.6743% | 1,226 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,220,000 | 4,226 |
| Average earning assets | $78,406,667 | 4,227 |
| Average equity | $9,997,333 | 4,202 |
| Average total loans | $57,625,333 | 3,939 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 1,811 |
| Cost of funding earning assets | 0.4060% | 2,048 |
| Net interest margin | 3.5033% | 1,815 |
| Noninterest income to average assets | 0.2514% | 3,893 |
| Noninterest expense to average assets | 1.6742% | 4,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.7643% | 837 |
| Return on assets (ROA) | 1.7643% | 889 |
| Pretax return on assets | 1.7690% | 1,359 |
| Return on Equity (ROE) | 14.8889% | 1,243 |
| Retained earnings to average equity (ytd only) | -19.1315% | 4,912 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6226% | 4,295 |
| Assets per employee ($millions) | 9.5104% | 695 |
| Cash dividends to net income (ytd only)* | 228.4946% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3464% | 2,218 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 65.3165% | 1,894 |
| Net loans and leases to deposits | 78.2496% | 1,695 |
| Net loans and leases to core deposits | 80.9742% | 1,913 |
| Total domestic deposits to total assets | 83.4720% | 3,572 |
| Equity capital to assets | 11.3337% | 1,635 |
| Core capital (leverage) ratio | 11.7611% | 1,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,340,500 | 4,252 |
| Average earning assets | $76,841,000 | 4,267 |
| Average equity | $9,994,000 | 4,215 |
| Average total loans | $57,291,000 | 3,963 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 1,338 |
| Cost of funding earning assets | 0.6312% | 2,113 |
| Net interest margin | 3.8591% | 1,334 |
| Noninterest income to average assets | 0.4656% | 2,790 |
| Noninterest expense to average assets | 2.0845% | 3,968 |
| Loan and lease loss provision to assets | 0.0128% | 4,212 |
| Net operating income to assets | 1.8459% | 354 |
| Return on assets (ROA) | 1.8459% | 378 |
| Pretax return on assets | 1.8472% | 616 |
| Return on Equity (ROE) | 14.8307% | 663 |
| Retained earnings to average equity (ytd only) | 4.5814% | 2,492 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8461% | 4,322 |
| Assets per employee ($millions) | 9.2319% | 684 |
| Cash dividends to net income (ytd only)* | 69.1085% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3175% | 2,330 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 68.7821% | 1,722 |
| Net loans and leases to deposits | 83.6576% | 1,491 |
| Net loans and leases to core deposits | 86.8526% | 1,801 |
| Total domestic deposits to total assets | 82.2186% | 3,618 |
| Equity capital to assets | 12.3810% | 1,375 |
| Core capital (leverage) ratio | 12.6743% | 982 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,389,200 | 4,260 |
| Average earning assets | $70,663,600 | 4,289 |
| Average equity | $9,756,800 | 4,220 |
| Average total loans | $60,047,000 | 3,916 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6511% | 1,184 |
| Cost of funding earning assets | 0.6820% | 2,133 |
| Net interest margin | 3.9691% | 1,186 |
| Noninterest income to average assets | 0.4610% | 2,783 |
| Noninterest expense to average assets | 1.9374% | 4,274 |
| Loan and lease loss provision to assets | 0.0686% | 3,473 |
| Net operating income to assets | 2.0203% | 284 |
| Return on assets (ROA) | 2.0203% | 313 |
| Pretax return on assets | 2.0220% | 498 |
| Return on Equity (ROE) | 16.2087% | 527 |
| Retained earnings to average equity (ytd only) | 2.3551% | 3,798 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0926% | 4,606 |
| Assets per employee ($millions) | 8.8598% | 730 |
| Cash dividends to net income (ytd only)* | 85.4701% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,112 |
| Loan loss allowance to noncurrent loans | 19,825.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 4,497 |
| Noncurrent loans to loans | 0.0066% | 4,426 |
| Net loans and leases to total assets | 74.8050% | 1,268 |
| Net loans and leases to deposits | 91.5436% | 1,112 |
| Net loans and leases to core deposits | 94.9491% | 1,547 |
| Total domestic deposits to total assets | 81.7151% | 3,491 |
| Equity capital to assets | 12.5198% | 1,416 |
| Core capital (leverage) ratio | 12.5834% | 1,080 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,214,750 | 4,284 |
| Average earning assets | $69,400,500 | 4,315 |
| Average equity | $9,624,250 | 4,250 |
| Average total loans | $60,580,750 | 3,923 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7039% | 1,395 |
| Cost of funding earning assets | 0.7263% | 2,260 |
| Net interest margin | 3.9776% | 1,380 |
| Noninterest income to average assets | 0.4687% | 2,718 |
| Noninterest expense to average assets | 1.9693% | 4,294 |
| Loan and lease loss provision to assets | 0.0655% | 3,475 |
| Net operating income to assets | 2.0478% | 298 |
| Return on assets (ROA) | 2.0478% | 334 |
| Pretax return on assets | 2.0478% | 495 |
| Return on Equity (ROE) | 16.4551% | 495 |
| Retained earnings to average equity (ytd only) | -4.5872% | 4,756 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2360% | 4,614 |
| Assets per employee ($millions) | 8.8704% | 706 |
| Cash dividends to net income (ytd only)* | 127.8772% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 76.3108% | 1,083 |
| Net loans and leases to deposits | 92.7798% | 1,071 |
| Net loans and leases to core deposits | 96.1992% | 1,563 |
| Total domestic deposits to total assets | 82.2494% | 3,302 |
| Equity capital to assets | 11.9986% | 1,659 |
| Core capital (leverage) ratio | 12.6031% | 1,149 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,373,667 | 4,302 |
| Average earning assets | $69,389,333 | 4,329 |
| Average equity | $9,504,667 | 4,279 |
| Average total loans | $60,627,333 | 3,932 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7350% | 1,604 |
| Cost of funding earning assets | 0.7834% | 2,486 |
| Net interest margin | 3.9516% | 1,528 |
| Noninterest income to average assets | 0.4394% | 2,853 |
| Noninterest expense to average assets | 2.0524% | 4,306 |
| Loan and lease loss provision to assets | 0.0536% | 3,103 |
| Net operating income to assets | 1.9828% | 278 |
| Return on assets (ROA) | 1.9828% | 307 |
| Pretax return on assets | 1.9828% | 465 |
| Return on Equity (ROE) | 15.6324% | 469 |
| Retained earnings to average equity (ytd only) | -26.6174% | 5,023 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1966% | 4,658 |
| Assets per employee ($millions) | 7.3982% | 937 |
| Cash dividends to net income (ytd only)* | 270.2703% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2884% | 2,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 79.0179% | 820 |
| Net loans and leases to deposits | 97.1887% | 800 |
| Net loans and leases to core deposits | 103.8053% | 1,201 |
| Total domestic deposits to total assets | 81.3036% | 3,598 |
| Equity capital to assets | 12.3733% | 1,817 |
| Core capital (leverage) ratio | 12.4254% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $74,643,500 | 4,330 |
| Average earning assets | $68,934,000 | 4,331 |
| Average equity | $9,467,500 | 4,298 |
| Average total loans | $60,091,000 | 3,956 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7335% | 2,228 |
| Cost of funding earning assets | 0.7904% | 2,726 |
| Net interest margin | 3.9431% | 2,023 |
| Noninterest income to average assets | 0.3796% | 3,425 |
| Noninterest expense to average assets | 2.2021% | 4,155 |
| Loan and lease loss provision to assets | 0.0420% | 3,170 |
| Net operating income to assets | 1.7958% | 523 |
| Return on assets (ROA) | 1.7958% | 558 |
| Pretax return on assets | 1.7972% | 946 |
| Return on Equity (ROE) | 13.7565% | 950 |
| Retained earnings to average equity (ytd only) | 3.0260% | 3,518 |
| Net charge-offs to loans | 0.0018% | 3,650 |
| Credit loss provision to net charge-offs | 3,000.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 1,313.0000% | 72 |
| Efficiency ratio | 54.4887% | 4,378 |
| Assets per employee ($millions) | 7.5305% | 851 |
| Cash dividends to net income (ytd only)* | 78.0031% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 2,260 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 79.9509% | 801 |
| Net loans and leases to deposits | 98.9205% | 676 |
| Net loans and leases to core deposits | 104.8355% | 1,175 |
| Total domestic deposits to total assets | 80.8233% | 3,805 |
| Equity capital to assets | 12.9885% | 1,531 |
| Core capital (leverage) ratio | 13.2619% | 1,132 |
| Tier 1 risk-based capital ratio | 15.9123% | 2,435 |
| Total risk-based capital ratio | 17.1365% | 2,387 |
| Memoranda: | ||
| Average total assets | $71,387,400 | 4,406 |
| Average earning assets | $66,292,800 | 4,402 |
| Average equity | $9,319,200 | 4,330 |
| Average total loans | $56,698,800 | 4,038 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7143% | 2,371 |
| Cost of funding earning assets | 0.7867% | 2,779 |
| Net interest margin | 3.9275% | 2,170 |
| Noninterest income to average assets | 0.3522% | 3,618 |
| Noninterest expense to average assets | 2.1304% | 4,307 |
| Loan and lease loss provision to assets | 0.0379% | 3,138 |
| Net operating income to assets | 1.8217% | 588 |
| Return on assets (ROA) | 1.8217% | 620 |
| Pretax return on assets | 1.8236% | 1,021 |
| Return on Equity (ROE) | 13.9360% | 997 |
| Retained earnings to average equity (ytd only) | -0.5505% | 4,816 |
| Net charge-offs to loans | 0.0024% | 3,350 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 985.4361% | 94 |
| Efficiency ratio | 53.3681% | 4,458 |
| Assets per employee ($millions) | 7.2648% | 925 |
| Cash dividends to net income (ytd only)* | 103.9505% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2768% | 2,084 |
| Loan loss allowance to noncurrent loans | 24,766.6667% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 4,756 |
| Noncurrent loans to loans | 0.0052% | 4,664 |
| Net loans and leases to total assets | 79.0786% | 978 |
| Net loans and leases to deposits | 97.5729% | 864 |
| Net loans and leases to core deposits | 103.5994% | 1,361 |
| Total domestic deposits to total assets | 81.0456% | 3,742 |
| Equity capital to assets | 13.0176% | 1,615 |
| Core capital (leverage) ratio | 13.1128% | 1,301 |
| Tier 1 risk-based capital ratio | 16.2462% | 2,351 |
| Total risk-based capital ratio | 17.4973% | 2,279 |
| Memoranda: | ||
| Average total assets | $70,408,000 | 4,481 |
| Average earning assets | $65,247,000 | 4,473 |
| Average equity | $9,203,750 | 4,391 |
| Average total loans | $55,633,500 | 4,111 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6816% | 2,420 |
| Cost of funding earning assets | 0.7595% | 2,846 |
| Net interest margin | 3.9221% | 2,181 |
| Noninterest income to average assets | 0.3158% | 3,818 |
| Noninterest expense to average assets | 2.1332% | 4,355 |
| Loan and lease loss provision to assets | 0.0287% | 3,245 |
| Net operating income to assets | 1.7686% | 635 |
| Return on assets (ROA) | 1.7686% | 663 |
| Pretax return on assets | 1.7714% | 1,111 |
| Return on Equity (ROE) | 13.5098% | 1,100 |
| Retained earnings to average equity (ytd only) | -8.4217% | 5,144 |
| Net charge-offs to loans | 0.0037% | 3,029 |
| Credit loss provision to net charge-offs | 1,000.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 627.0000% | 124 |
| Efficiency ratio | 54.2336% | 4,446 |
| Assets per employee ($millions) | 7.1486% | 932 |
| Cash dividends to net income (ytd only)* | 162.3377% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,063 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 78.4643% | 1,135 |
| Net loans and leases to deposits | 96.7036% | 965 |
| Net loans and leases to core deposits | 101.3772% | 1,607 |
| Total domestic deposits to total assets | 81.1390% | 3,762 |
| Equity capital to assets | 12.7591% | 1,714 |
| Core capital (leverage) ratio | 13.2132% | 1,207 |
| Tier 1 risk-based capital ratio | 15.8081% | 2,499 |
| Total risk-based capital ratio | 17.0578% | 2,432 |
| Memoranda: | ||
| Average total assets | $69,661,330 | 4,526 |
| Average earning assets | $64,251,330 | 4,519 |
| Average equity | $9,119,330 | 4,418 |
| Average total loans | $54,780,670 | 4,153 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6360% | 2,429 |
| Cost of funding earning assets | 0.7137% | 2,984 |
| Net interest margin | 3.9223% | 2,122 |
| Noninterest income to average assets | 0.3200% | 3,722 |
| Noninterest expense to average assets | 2.0888% | 4,478 |
| Loan and lease loss provision to assets | 0.0582% | 2,489 |
| Net operating income to assets | 1.7804% | 607 |
| Return on assets (ROA) | 1.7804% | 623 |
| Pretax return on assets | 1.7862% | 1,007 |
| Return on Equity (ROE) | 13.4233% | 1,102 |
| Retained earnings to average equity (ytd only) | -30.4436% | 5,306 |
| Net charge-offs to loans | 0.0074% | 2,431 |
| Credit loss provision to net charge-offs | 1,000.0000% | 360 |
| Earnings coverage of net charge-offs (x) | 317.0000% | 258 |
| Efficiency ratio | 53.1065% | 4,611 |
| Assets per employee ($millions) | 6.7510% | 1,110 |
| Cash dividends to net income (ytd only)* | 326.7974% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3706% | 1,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.1336% | 1,124 |
| Net loans and leases to deposits | 94.5966% | 1,101 |
| Net loans and leases to core deposits | 97.9699% | 1,776 |
| Total domestic deposits to total assets | 82.5967% | 3,539 |
| Equity capital to assets | 13.0070% | 1,453 |
| Core capital (leverage) ratio | 12.9614% | 1,292 |
| Tier 1 risk-based capital ratio | 16.0749% | 2,403 |
| Total risk-based capital ratio | 17.3266% | 2,350 |
| Memoranda: | ||
| Average total assets | $68,749,000 | 4,589 |
| Average earning assets | $63,330,000 | 4,589 |
| Average equity | $9,118,500 | 4,449 |
| Average total loans | $53,759,000 | 4,221 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3668% | 2,874 |
| Cost of funding earning assets | 0.5533% | 3,026 |
| Net interest margin | 3.8135% | 2,620 |
| Noninterest income to average assets | 0.3696% | 3,622 |
| Noninterest expense to average assets | 2.1308% | 4,492 |
| Loan and lease loss provision to assets | 0.1739% | 1,142 |
| Net operating income to assets | 1.5800% | 924 |
| Return on assets (ROA) | 1.5800% | 915 |
| Pretax return on assets | 1.5815% | 1,524 |
| Return on Equity (ROE) | 12.0434% | 1,700 |
| Retained earnings to average equity (ytd only) | 3.7567% | 3,504 |
| Net charge-offs to loans | -0.0078% | 4,435 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8303% | 4,539 |
| Assets per employee ($millions) | 6.9988% | 976 |
| Cash dividends to net income (ytd only)* | 68.8073% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3398% | 1,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 76.1745% | 1,583 |
| Net loans and leases to deposits | 92.6264% | 1,454 |
| Net loans and leases to core deposits | 97.5767% | 1,898 |
| Total domestic deposits to total assets | 82.2384% | 3,577 |
| Equity capital to assets | 13.5109% | 1,141 |
| Core capital (leverage) ratio | 13.8314% | 975 |
| Tier 1 risk-based capital ratio | 17.3200% | 1,945 |
| Total risk-based capital ratio | 18.5702% | 1,903 |
| Memoranda: | ||
| Average total assets | $68,987,200 | 4,598 |
| Average earning assets | $63,615,800 | 4,599 |
| Average equity | $9,050,600 | 4,450 |
| Average total loans | $51,502,200 | 4,286 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3088% | 2,933 |
| Cost of funding earning assets | 0.5357% | 2,961 |
| Net interest margin | 3.7731% | 2,741 |
| Noninterest income to average assets | 0.3705% | 3,655 |
| Noninterest expense to average assets | 2.0154% | 4,711 |
| Loan and lease loss provision to assets | 0.1261% | 1,597 |
| Net operating income to assets | 1.7108% | 724 |
| Return on assets (ROA) | 1.7108% | 730 |
| Pretax return on assets | 1.7128% | 1,247 |
| Return on Equity (ROE) | 13.1404% | 1,372 |
| Retained earnings to average equity (ytd only) | 1.9666% | 4,593 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2899% | 4,781 |
| Assets per employee ($millions) | 6.7632% | 1,040 |
| Cash dividends to net income (ytd only)* | 85.0345% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,165 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 75.5737% | 1,719 |
| Net loans and leases to deposits | 92.3183% | 1,582 |
| Net loans and leases to core deposits | 97.4490% | 1,981 |
| Total domestic deposits to total assets | 81.8621% | 3,654 |
| Equity capital to assets | 13.6518% | 1,071 |
| Core capital (leverage) ratio | 13.6182% | 1,054 |
| Tier 1 risk-based capital ratio | 17.5009% | 1,930 |
| Total risk-based capital ratio | 18.7546% | 1,888 |
| Memoranda: | ||
| Average total assets | $68,737,000 | 4,648 |
| Average earning assets | $63,465,500 | 4,645 |
| Average equity | $8,949,250 | 4,506 |
| Average total loans | $50,868,500 | 4,340 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2286% | 3,020 |
| Cost of funding earning assets | 0.5161% | 2,892 |
| Net interest margin | 3.7126% | 2,878 |
| Noninterest income to average assets | 0.3126% | 4,084 |
| Noninterest expense to average assets | 2.0809% | 4,650 |
| Loan and lease loss provision to assets | 0.1447% | 1,327 |
| Net operating income to assets | 1.5223% | 1,097 |
| Return on assets (ROA) | 1.5223% | 1,099 |
| Pretax return on assets | 1.5223% | 1,737 |
| Return on Equity (ROE) | 11.8807% | 1,767 |
| Retained earnings to average equity (ytd only) | -5.0595% | 5,297 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5212% | 4,536 |
| Assets per employee ($millions) | 6.9892% | 924 |
| Cash dividends to net income (ytd only)* | 142.5856% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 2,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 4,769 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 73.0098% | 2,113 |
| Net loans and leases to deposits | 88.0674% | 2,107 |
| Net loans and leases to core deposits | 95.3313% | 2,122 |
| Total domestic deposits to total assets | 82.9022% | 3,436 |
| Equity capital to assets | 12.7096% | 1,434 |
| Core capital (leverage) ratio | 13.1596% | 1,167 |
| Tier 1 risk-based capital ratio | 16.7322% | 2,185 |
| Total risk-based capital ratio | 17.9504% | 2,143 |
| Memoranda: | ||
| Average total assets | $69,105,330 | 4,694 |
| Average earning assets | $63,945,000 | 4,693 |
| Average equity | $8,854,670 | 4,553 |
| Average total loans | $50,565,330 | 4,392 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1537% | 3,052 |
| Cost of funding earning assets | 0.4909% | 2,862 |
| Net interest margin | 3.6628% | 2,946 |
| Noninterest income to average assets | 0.3144% | 4,051 |
| Noninterest expense to average assets | 2.1772% | 4,471 |
| Loan and lease loss provision to assets | 0.2911% | 452 |
| Net operating income to assets | 1.2341% | 1,874 |
| Return on assets (ROA) | 1.2341% | 1,883 |
| Pretax return on assets | 1.2341% | 2,621 |
| Return on Equity (ROE) | 9.5922% | 2,640 |
| Retained earnings to average equity (ytd only) | -24.3425% | 5,533 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8050% | 4,251 |
| Assets per employee ($millions) | 6.8895% | 1,006 |
| Cash dividends to net income (ytd only)* | 353.7736% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2731% | 2,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0523% | 4,837 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 73.2753% | 1,984 |
| Net loans and leases to deposits | 88.3203% | 1,892 |
| Net loans and leases to core deposits | 94.6988% | 2,079 |
| Total domestic deposits to total assets | 82.9654% | 3,678 |
| Equity capital to assets | 12.4305% | 1,526 |
| Core capital (leverage) ratio | 12.6899% | 1,296 |
| Tier 1 risk-based capital ratio | 16.3109% | 2,352 |
| Total risk-based capital ratio | 17.5416% | 2,307 |
| Memoranda: | ||
| Average total assets | $68,712,000 | 4,759 |
| Average earning assets | $63,557,500 | 4,758 |
| Average equity | $8,840,500 | 4,604 |
| Average total loans | $50,008,500 | 4,443 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,863 |
| Cost of funding earning assets | 0.3630% | 3,590 |
| Net interest margin | 3.4937% | 3,553 |
| Noninterest income to average assets | 0.3572% | 3,910 |
| Noninterest expense to average assets | 2.0598% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.5262% | 760 |
| Return on assets (ROA) | 1.5262% | 764 |
| Pretax return on assets | 1.5276% | 1,533 |
| Return on Equity (ROE) | 12.1681% | 1,167 |
| Retained earnings to average equity (ytd only) | 3.0191% | 3,493 |
| Net charge-offs to loans | -0.0210% | 4,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4170% | 4,599 |
| Assets per employee ($millions) | 6.8529% | 1,039 |
| Cash dividends to net income (ytd only)* | 75.1880% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2295% | 2,604 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 4,870 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.4548% | 2,453 |
| Net loans and leases to deposits | 85.8316% | 2,281 |
| Net loans and leases to core deposits | 87.5435% | 2,762 |
| Total domestic deposits to total assets | 82.0850% | 3,850 |
| Equity capital to assets | 13.3039% | 1,130 |
| Core capital (leverage) ratio | 13.3458% | 1,020 |
| Tier 1 risk-based capital ratio | 18.4371% | 1,669 |
| Total risk-based capital ratio | 19.6463% | 1,635 |
| Memoranda: | ||
| Average total assets | $69,715,600 | 4,782 |
| Average earning assets | $64,459,800 | 4,777 |
| Average equity | $8,744,200 | 4,657 |
| Average total loans | $47,549,800 | 4,525 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8358% | 3,887 |
| Cost of funding earning assets | 0.3590% | 3,583 |
| Net interest margin | 3.4768% | 3,582 |
| Noninterest income to average assets | 0.3504% | 4,026 |
| Noninterest expense to average assets | 2.0929% | 4,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4645% | 967 |
| Return on assets (ROA) | 1.4645% | 982 |
| Pretax return on assets | 1.4664% | 1,888 |
| Return on Equity (ROE) | 11.8519% | 1,380 |
| Retained earnings to average equity (ytd only) | -0.4777% | 5,290 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8015% | 4,389 |
| Assets per employee ($millions) | 6.7922% | 1,032 |
| Cash dividends to net income (ytd only)* | 104.0310% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 2,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 4,966 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 68.6449% | 2,754 |
| Net loans and leases to deposits | 83.4482% | 2,617 |
| Net loans and leases to core deposits | 84.5836% | 3,083 |
| Total domestic deposits to total assets | 82.2605% | 3,698 |
| Equity capital to assets | 13.0429% | 1,366 |
| Core capital (leverage) ratio | 12.7505% | 1,315 |
| Tier 1 risk-based capital ratio | 18.2398% | 1,792 |
| Total risk-based capital ratio | 19.4551% | 1,761 |
| Memoranda: | ||
| Average total assets | $70,012,250 | 4,826 |
| Average earning assets | $64,617,250 | 4,823 |
| Average equity | $8,651,000 | 4,720 |
| Average total loans | $47,216,500 | 4,572 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8109% | 3,853 |
| Cost of funding earning assets | 0.3596% | 3,484 |
| Net interest margin | 3.4513% | 3,585 |
| Noninterest income to average assets | 0.3394% | 4,122 |
| Noninterest expense to average assets | 2.0648% | 4,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4510% | 948 |
| Return on assets (ROA) | 1.4510% | 973 |
| Pretax return on assets | 1.4510% | 1,817 |
| Return on Equity (ROE) | 11.9557% | 1,313 |
| Retained earnings to average equity (ytd only) | -6.6887% | 5,582 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7289% | 4,502 |
| Assets per employee ($millions) | 7.1706% | 858 |
| Cash dividends to net income (ytd only)* | 155.9454% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2601% | 2,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 64.5818% | 3,303 |
| Net loans and leases to deposits | 77.3919% | 3,170 |
| Net loans and leases to core deposits | 78.3743% | 3,564 |
| Total domestic deposits to total assets | 83.4477% | 3,417 |
| Equity capital to assets | 11.9934% | 1,932 |
| Core capital (leverage) ratio | 12.2876% | 1,483 |
| Tier 1 risk-based capital ratio | 17.8640% | 1,899 |
| Total risk-based capital ratio | 19.0896% | 1,858 |
| Memoranda: | ||
| Average total assets | $70,709,000 | 4,852 |
| Average earning assets | $65,076,330 | 4,849 |
| Average equity | $8,581,670 | 4,756 |
| Average total loans | $47,216,670 | 4,603 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 3,806 |
| Cost of funding earning assets | 0.3589% | 3,434 |
| Net interest margin | 3.4283% | 3,534 |
| Noninterest income to average assets | 0.3475% | 4,065 |
| Noninterest expense to average assets | 1.9997% | 5,054 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5040% | 802 |
| Return on assets (ROA) | 1.5040% | 830 |
| Pretax return on assets | 1.5040% | 1,516 |
| Return on Equity (ROE) | 12.3185% | 1,156 |
| Retained earnings to average equity (ytd only) | -25.0102% | 5,773 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0732% | 4,831 |
| Assets per employee ($millions) | 6.9355% | 977 |
| Cash dividends to net income (ytd only)* | 303.0303% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2616% | 2,749 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 66.6902% | 2,862 |
| Net loans and leases to deposits | 80.2182% | 2,721 |
| Net loans and leases to core deposits | 82.8773% | 3,004 |
| Total domestic deposits to total assets | 83.1360% | 3,788 |
| Equity capital to assets | 12.0136% | 1,823 |
| Core capital (leverage) ratio | 12.0823% | 1,575 |
| Tier 1 risk-based capital ratio | 17.3639% | 2,079 |
| Total risk-based capital ratio | 18.5908% | 2,028 |
| Memoranda: | ||
| Average total assets | $70,210,500 | 4,912 |
| Average earning assets | $64,638,500 | 4,908 |
| Average equity | $8,572,500 | 4,801 |
| Average total loans | $47,375,000 | 4,639 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 4,280 |
| Cost of funding earning assets | 0.3756% | 3,254 |
| Net interest margin | 3.3030% | 4,140 |
| Noninterest income to average assets | 0.3294% | 4,379 |
| Noninterest expense to average assets | 1.8116% | 5,464 |
| Loan and lease loss provision to assets | 0.0419% | 3,546 |
| Net operating income to assets | 1.5060% | 819 |
| Return on assets (ROA) | 1.5060% | 844 |
| Pretax return on assets | 1.5074% | 1,563 |
| Return on Equity (ROE) | 12.7608% | 1,053 |
| Retained earnings to average equity (ytd only) | 3.8909% | 3,153 |
| Net charge-offs to loans | 0.0220% | 3,602 |
| Credit loss provision to net charge-offs | 300.0000% | 977 |
| Earnings coverage of net charge-offs (x) | 111.0000% | 545 |
| Efficiency ratio | 53.9037% | 5,252 |
| Assets per employee ($millions) | 7.1066% | 873 |
| Cash dividends to net income (ytd only)* | 69.5088% | 1,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2337% | 2,916 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 66.5790% | 2,993 |
| Net loans and leases to deposits | 80.3652% | 2,850 |
| Net loans and leases to core deposits | 83.5629% | 3,068 |
| Total domestic deposits to total assets | 82.8455% | 3,819 |
| Equity capital to assets | 12.4011% | 1,575 |
| Core capital (leverage) ratio | 12.3354% | 1,419 |
| Tier 1 risk-based capital ratio | 17.7711% | 1,913 |
| Total risk-based capital ratio | 18.9510% | 1,910 |
| Memoranda: | ||
| Average total assets | $71,648,000 | 4,898 |
| Average earning assets | $65,759,200 | 4,897 |
| Average equity | $8,455,600 | 4,852 |
| Average total loans | $45,417,200 | 4,698 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6555% | 4,389 |
| Cost of funding earning assets | 0.3726% | 3,305 |
| Net interest margin | 3.2828% | 4,241 |
| Noninterest income to average assets | 0.3361% | 4,379 |
| Noninterest expense to average assets | 1.8423% | 5,466 |
| Loan and lease loss provision to assets | 0.0371% | 3,503 |
| Net operating income to assets | 1.4653% | 948 |
| Return on assets (ROA) | 1.4653% | 991 |
| Pretax return on assets | 1.4671% | 1,819 |
| Return on Equity (ROE) | 12.5740% | 1,154 |
| Retained earnings to average equity (ytd only) | 0.6215% | 5,196 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0499% | 5,153 |
| Assets per employee ($millions) | 8.1330% | 558 |
| Cash dividends to net income (ytd only)* | 95.0578% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2637% | 2,872 |
| Loan loss allowance to noncurrent loans | 5,910.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 5,466 |
| Noncurrent loans to loans | 0.0214% | 5,303 |
| Net loans and leases to total assets | 63.0873% | 3,510 |
| Net loans and leases to deposits | 79.7272% | 3,001 |
| Net loans and leases to core deposits | 82.9540% | 3,214 |
| Total domestic deposits to total assets | 79.1289% | 4,693 |
| Equity capital to assets | 11.7846% | 2,272 |
| Core capital (leverage) ratio | 11.8252% | 1,796 |
| Tier 1 risk-based capital ratio | 17.2496% | 2,149 |
| Total risk-based capital ratio | 18.4335% | 2,125 |
| Memoranda: | ||
| Average total assets | $71,793,500 | 4,936 |
| Average earning assets | $65,836,000 | 4,937 |
| Average equity | $8,366,250 | 4,921 |
| Average total loans | $44,795,000 | 4,765 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6351% | 4,490 |
| Cost of funding earning assets | 0.3706% | 3,352 |
| Net interest margin | 3.2646% | 4,335 |
| Noninterest income to average assets | 0.3197% | 4,494 |
| Noninterest expense to average assets | 1.8703% | 5,502 |
| Loan and lease loss provision to assets | 0.0280% | 3,562 |
| Net operating income to assets | 1.4104% | 1,045 |
| Return on assets (ROA) | 1.4104% | 1,094 |
| Pretax return on assets | 1.4104% | 1,982 |
| Return on Equity (ROE) | 12.1502% | 1,257 |
| Retained earnings to average equity (ytd only) | -5.9664% | 5,787 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5254% | 5,081 |
| Assets per employee ($millions) | 7.3288% | 755 |
| Cash dividends to net income (ytd only)* | 149.1054% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 2,907 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 61.2351% | 3,721 |
| Net loans and leases to deposits | 72.0307% | 3,786 |
| Net loans and leases to core deposits | 74.7294% | 3,930 |
| Total domestic deposits to total assets | 85.0126% | 2,877 |
| Equity capital to assets | 11.3347% | 2,708 |
| Core capital (leverage) ratio | 11.7964% | 1,775 |
| Tier 1 risk-based capital ratio | 17.0965% | 2,177 |
| Total risk-based capital ratio | 18.2895% | 2,165 |
| Memoranda: | ||
| Average total assets | $71,325,670 | 5,000 |
| Average earning assets | $65,307,000 | 4,999 |
| Average equity | $8,279,670 | 4,976 |
| Average total loans | $44,137,000 | 4,825 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6173% | 4,574 |
| Cost of funding earning assets | 0.3804% | 3,290 |
| Net interest margin | 3.2368% | 4,448 |
| Noninterest income to average assets | 0.3127% | 4,497 |
| Noninterest expense to average assets | 1.8879% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3761% | 1,085 |
| Return on assets (ROA) | 1.3761% | 1,144 |
| Pretax return on assets | 1.3761% | 1,976 |
| Return on Equity (ROE) | 11.7106% | 1,400 |
| Retained earnings to average equity (ytd only) | -24.5826% | 5,996 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8397% | 5,017 |
| Assets per employee ($millions) | 7.6680% | 653 |
| Cash dividends to net income (ytd only)* | 309.9174% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3123% | 2,841 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 62.2225% | 3,494 |
| Net loans and leases to deposits | 73.7185% | 3,463 |
| Net loans and leases to core deposits | 76.6776% | 3,614 |
| Total domestic deposits to total assets | 84.4056% | 3,355 |
| Equity capital to assets | 11.6212% | 2,321 |
| Core capital (leverage) ratio | 11.6020% | 1,905 |
| Tier 1 risk-based capital ratio | 17.4318% | 2,145 |
| Total risk-based capital ratio | 18.6660% | 2,116 |
| Memoranda: | ||
| Average total assets | $70,344,500 | 5,064 |
| Average earning assets | $64,137,000 | 5,074 |
| Average equity | $8,266,000 | 5,005 |
| Average total loans | $43,476,000 | 4,881 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5940% | 4,694 |
| Cost of funding earning assets | 0.4060% | 3,089 |
| Net interest margin | 3.1880% | 4,666 |
| Noninterest income to average assets | 0.3710% | 4,259 |
| Noninterest expense to average assets | 1.8037% | 5,729 |
| Loan and lease loss provision to assets | 0.0074% | 4,250 |
| Net operating income to assets | 1.4724% | 912 |
| Return on assets (ROA) | 1.4724% | 943 |
| Pretax return on assets | 1.4739% | 1,639 |
| Return on Equity (ROE) | 12.3723% | 1,214 |
| Retained earnings to average equity (ytd only) | 7.4234% | 1,121 |
| Net charge-offs to loans | -0.0024% | 4,891 |
| Credit loss provision to net charge-offs | -500.0000% | 5,439 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9081% | 5,452 |
| Assets per employee ($millions) | 7.9641% | 562 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3145% | 2,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 59.8086% | 3,864 |
| Net loans and leases to deposits | 70.9528% | 3,816 |
| Net loans and leases to core deposits | 73.6948% | 3,967 |
| Total domestic deposits to total assets | 84.2934% | 3,369 |
| Equity capital to assets | 11.8755% | 2,048 |
| Core capital (leverage) ratio | 12.3043% | 1,453 |
| Tier 1 risk-based capital ratio | 18.2934% | 1,885 |
| Total risk-based capital ratio | 19.5118% | 1,856 |
| Memoranda: | ||
| Average total assets | $67,916,400 | 5,133 |
| Average earning assets | $62,075,600 | 5,125 |
| Average equity | $8,082,600 | 5,047 |
| Average total loans | $41,803,400 | 4,940 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 4,725 |
| Cost of funding earning assets | 0.4112% | 3,112 |
| Net interest margin | 3.1942% | 4,687 |
| Noninterest income to average assets | 0.3683% | 4,293 |
| Noninterest expense to average assets | 1.8533% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4353% | 1,035 |
| Return on assets (ROA) | 1.4353% | 1,085 |
| Pretax return on assets | 1.4373% | 1,876 |
| Return on Equity (ROE) | 12.0537% | 1,359 |
| Retained earnings to average equity (ytd only) | 5.3665% | 2,667 |
| Net charge-offs to loans | -0.0032% | 4,758 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3218% | 5,307 |
| Assets per employee ($millions) | 7.4281% | 712 |
| Cash dividends to net income (ytd only)* | 55.4785% | 1,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3239% | 2,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 63.1011% | 3,436 |
| Net loans and leases to deposits | 75.6085% | 3,351 |
| Net loans and leases to core deposits | 78.7813% | 3,531 |
| Total domestic deposits to total assets | 83.4577% | 3,624 |
| Equity capital to assets | 12.3345% | 1,847 |
| Core capital (leverage) ratio | 12.3787% | 1,475 |
| Tier 1 risk-based capital ratio | 17.8617% | 2,064 |
| Total risk-based capital ratio | 19.0807% | 2,049 |
| Memoranda: | ||
| Average total assets | $66,976,250 | 5,221 |
| Average earning assets | $61,275,500 | 5,214 |
| Average equity | $7,975,250 | 5,130 |
| Average total loans | $41,394,250 | 5,007 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5731% | 4,798 |
| Cost of funding earning assets | 0.4144% | 3,108 |
| Net interest margin | 3.1587% | 4,793 |
| Noninterest income to average assets | 0.3581% | 4,387 |
| Noninterest expense to average assets | 1.8682% | 5,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3758% | 1,139 |
| Return on assets (ROA) | 1.3758% | 1,182 |
| Pretax return on assets | 1.3787% | 2,069 |
| Return on Equity (ROE) | 11.6931% | 1,475 |
| Retained earnings to average equity (ytd only) | 1.5472% | 4,925 |
| Net charge-offs to loans | -0.0049% | 4,732 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5368% | 5,275 |
| Assets per employee ($millions) | 6.8002% | 927 |
| Cash dividends to net income (ytd only)* | 86.7679% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3669% | 2,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 60.0585% | 3,831 |
| Net loans and leases to deposits | 71.3729% | 3,773 |
| Net loans and leases to core deposits | 73.7548% | 3,973 |
| Total domestic deposits to total assets | 84.1475% | 3,499 |
| Equity capital to assets | 11.7232% | 2,229 |
| Core capital (leverage) ratio | 11.8599% | 1,741 |
| Tier 1 risk-based capital ratio | 17.5029% | 2,221 |
| Total risk-based capital ratio | 18.7360% | 2,182 |
| Memoranda: | ||
| Average total assets | $67,017,330 | 5,278 |
| Average earning assets | $61,292,000 | 5,270 |
| Average equity | $7,885,000 | 5,193 |
| Average total loans | $40,942,000 | 5,071 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4925% | 4,991 |
| Cost of funding earning assets | 0.4209% | 3,061 |
| Net interest margin | 3.0716% | 5,027 |
| Noninterest income to average assets | 0.3367% | 4,497 |
| Noninterest expense to average assets | 1.9301% | 5,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2086% | 1,522 |
| Return on assets (ROA) | 1.2086% | 1,614 |
| Pretax return on assets | 1.2146% | 2,610 |
| Return on Equity (ROE) | 10.2531% | 1,889 |
| Retained earnings to average equity (ytd only) | -10.1511% | 6,139 |
| Net charge-offs to loans | -0.0098% | 4,717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3767% | 4,906 |
| Assets per employee ($millions) | 7.4183% | 705 |
| Cash dividends to net income (ytd only)* | 199.0050% | 229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 2,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 59.1942% | 3,771 |
| Net loans and leases to deposits | 70.9291% | 3,649 |
| Net loans and leases to core deposits | 73.3596% | 3,840 |
| Total domestic deposits to total assets | 83.4554% | 4,023 |
| Equity capital to assets | 11.6693% | 2,323 |
| Core capital (leverage) ratio | 11.6834% | 1,864 |
| Tier 1 risk-based capital ratio | 17.2998% | 2,378 |
| Total risk-based capital ratio | 18.5482% | 2,333 |
| Memoranda: | ||
| Average total assets | $66,525,000 | 5,342 |
| Average earning assets | $60,815,500 | 5,335 |
| Average equity | $7,841,500 | 5,244 |
| Average total loans | $40,709,500 | 5,120 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 4,950 |
| Cost of funding earning assets | 0.3995% | 3,693 |
| Net interest margin | 3.2448% | 4,774 |
| Noninterest income to average assets | 0.4126% | 4,092 |
| Noninterest expense to average assets | 2.1386% | 5,485 |
| Loan and lease loss provision to assets | 0.0161% | 4,284 |
| Net operating income to assets | 1.2299% | 1,497 |
| Return on assets (ROA) | 1.2315% | 1,546 |
| Pretax return on assets | 1.2331% | 2,514 |
| Return on Equity (ROE) | 10.2338% | 2,018 |
| Retained earnings to average equity (ytd only) | 4.8967% | 2,686 |
| Net charge-offs to loans | -0.0132% | 5,616 |
| Credit loss provision to net charge-offs | -200.0000% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1579% | 4,730 |
| Assets per employee ($millions) | 6.6285% | 991 |
| Cash dividends to net income (ytd only)* | 52.1512% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 3,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 61.5011% | 3,572 |
| Net loans and leases to deposits | 73.9560% | 3,443 |
| Net loans and leases to core deposits | 76.5185% | 3,654 |
| Total domestic deposits to total assets | 83.1591% | 4,019 |
| Equity capital to assets | 11.9062% | 2,081 |
| Core capital (leverage) ratio | 12.0684% | 1,579 |
| Tier 1 risk-based capital ratio | 15.6336% | 3,168 |
| Total risk-based capital ratio | 16.7435% | 3,162 |
| Memoranda: | ||
| Average total assets | $62,283,000 | 5,493 |
| Average earning assets | $57,076,400 | 5,485 |
| Average equity | $7,494,800 | 5,306 |
| Average total loans | $38,013,600 | 5,257 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6478% | 5,008 |
| Cost of funding earning assets | 0.3871% | 3,935 |
| Net interest margin | 3.2607% | 4,756 |
| Noninterest income to average assets | 0.4242% | 4,065 |
| Noninterest expense to average assets | 1.9973% | 5,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4120% | 1,107 |
| Return on assets (ROA) | 1.4142% | 1,141 |
| Pretax return on assets | 1.4164% | 1,943 |
| Return on Equity (ROE) | 11.7186% | 1,552 |
| Retained earnings to average equity (ytd only) | 4.5072% | 3,446 |
| Net charge-offs to loans | -0.0143% | 5,521 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5459% | 5,373 |
| Assets per employee ($millions) | 6.3586% | 1,108 |
| Cash dividends to net income (ytd only)* | 61.5381% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 3,129 |
| Loan loss allowance to noncurrent loans | 2,220.0000% | 280 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 6,010 |
| Noncurrent loans to loans | 0.0635% | 5,759 |
| Net loans and leases to total assets | 61.0480% | 3,621 |
| Net loans and leases to deposits | 70.9277% | 3,809 |
| Net loans and leases to core deposits | 72.7160% | 4,084 |
| Total domestic deposits to total assets | 86.0708% | 2,810 |
| Equity capital to assets | 12.2464% | 1,872 |
| Core capital (leverage) ratio | 12.4221% | 1,448 |
| Tier 1 risk-based capital ratio | 15.8874% | 3,107 |
| Total risk-based capital ratio | 17.0098% | 3,119 |
| Memoranda: | ||
| Average total assets | $61,282,500 | 5,586 |
| Average earning assets | $56,141,500 | 5,575 |
| Average equity | $7,395,500 | 5,365 |
| Average total loans | $37,184,000 | 5,332 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6309% | 5,067 |
| Cost of funding earning assets | 0.4095% | 3,778 |
| Net interest margin | 3.2214% | 4,867 |
| Noninterest income to average assets | 0.4164% | 4,122 |
| Noninterest expense to average assets | 2.0954% | 5,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2559% | 1,428 |
| Return on assets (ROA) | 1.2592% | 1,484 |
| Pretax return on assets | 1.2625% | 2,402 |
| Return on Equity (ROE) | 10.4886% | 1,944 |
| Retained earnings to average equity (ytd only) | -0.5231% | 5,777 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4631% | 4,950 |
| Assets per employee ($millions) | 5.4600% | 1,730 |
| Cash dividends to net income (ytd only)* | 104.9869% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5485% | 2,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 58.2234% | 3,963 |
| Net loans and leases to deposits | 67.4608% | 4,115 |
| Net loans and leases to core deposits | 69.2593% | 4,341 |
| Total domestic deposits to total assets | 86.3070% | 2,874 |
| Equity capital to assets | 12.3510% | 1,741 |
| Core capital (leverage) ratio | 12.6162% | 1,336 |
| Tier 1 risk-based capital ratio | 16.9198% | 2,653 |
| Total risk-based capital ratio | 18.1465% | 2,636 |
| Memoranda: | ||
| Average total assets | $60,514,670 | 5,644 |
| Average earning assets | $55,192,670 | 5,654 |
| Average equity | $7,265,000 | 5,421 |
| Average total loans | $36,454,330 | 5,399 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6452% | 5,026 |
| Cost of funding earning assets | 0.4234% | 3,725 |
| Net interest margin | 3.2218% | 4,850 |
| Noninterest income to average assets | 0.3819% | 4,334 |
| Noninterest expense to average assets | 2.0348% | 5,815 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2973% | 1,224 |
| Return on assets (ROA) | 1.2973% | 1,268 |
| Pretax return on assets | 1.3039% | 2,076 |
| Return on Equity (ROE) | 10.9620% | 1,693 |
| Retained earnings to average equity (ytd only) | -11.2958% | 6,398 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9467% | 5,272 |
| Assets per employee ($millions) | 6.0121% | 1,294 |
| Cash dividends to net income (ytd only)* | 203.0457% | 251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4967% | 3,158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 60.3184% | 3,502 |
| Net loans and leases to deposits | 72.8690% | 3,226 |
| Net loans and leases to core deposits | 73.3762% | 3,720 |
| Total domestic deposits to total assets | 82.7764% | 4,676 |
| Equity capital to assets | 11.8578% | 1,973 |
| Core capital (leverage) ratio | 12.1392% | 1,583 |
| Tier 1 risk-based capital ratio | 16.0119% | 3,166 |
| Total risk-based capital ratio | 17.2039% | 3,142 |
| Memoranda: | ||
| Average total assets | $60,742,000 | 5,691 |
| Average earning assets | $55,745,000 | 5,680 |
| Average equity | $7,188,500 | 5,472 |
| Average total loans | $36,922,000 | 5,432 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6062% | 5,388 |
| Cost of funding earning assets | 0.5212% | 3,386 |
| Net interest margin | 3.0851% | 5,361 |
| Noninterest income to average assets | 0.4889% | 3,825 |
| Noninterest expense to average assets | 2.0742% | 5,884 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2017% | 1,559 |
| Return on assets (ROA) | 1.2017% | 1,630 |
| Pretax return on assets | 1.2017% | 2,575 |
| Return on Equity (ROE) | 10.1711% | 2,045 |
| Retained earnings to average equity (ytd only) | 4.5979% | 2,881 |
| Net charge-offs to loans | -0.0117% | 6,044 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3166% | 5,006 |
| Assets per employee ($millions) | 6.1363% | 1,179 |
| Cash dividends to net income (ytd only)* | 54.7945% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4853% | 3,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 59.4479% | 3,803 |
| Net loans and leases to deposits | 71.7032% | 3,567 |
| Net loans and leases to core deposits | 72.1913% | 4,044 |
| Total domestic deposits to total assets | 82.9083% | 4,573 |
| Equity capital to assets | 11.8117% | 1,940 |
| Core capital (leverage) ratio | 12.5557% | 1,331 |
| Tier 1 risk-based capital ratio | 16.2365% | 2,993 |
| Total risk-based capital ratio | 17.4106% | 2,980 |
| Memoranda: | ||
| Average total assets | $60,745,800 | 5,738 |
| Average earning assets | $54,877,200 | 5,735 |
| Average equity | $7,177,200 | 5,527 |
| Average total loans | $34,242,000 | 5,574 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5936% | 5,456 |
| Cost of funding earning assets | 0.5333% | 3,436 |
| Net interest margin | 3.0604% | 5,432 |
| Noninterest income to average assets | 0.5215% | 3,662 |
| Noninterest expense to average assets | 1.9782% | 6,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2961% | 1,366 |
| Return on assets (ROA) | 1.2961% | 1,429 |
| Pretax return on assets | 1.2961% | 2,347 |
| Return on Equity (ROE) | 10.9688% | 1,831 |
| Retained earnings to average equity (ytd only) | 3.5197% | 4,187 |
| Net charge-offs to loans | -0.0159% | 5,994 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4167% | 5,370 |
| Assets per employee ($millions) | 5.9864% | 1,250 |
| Cash dividends to net income (ytd only)* | 67.9120% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 3,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 56.8606% | 4,194 |
| Net loans and leases to deposits | 67.9150% | 4,068 |
| Net loans and leases to core deposits | 68.3844% | 4,497 |
| Total domestic deposits to total assets | 83.7231% | 4,307 |
| Equity capital to assets | 11.9070% | 1,979 |
| Core capital (leverage) ratio | 12.5614% | 1,388 |
| Tier 1 risk-based capital ratio | 16.7433% | 2,844 |
| Total risk-based capital ratio | 17.9767% | 2,794 |
| Memoranda: | ||
| Average total assets | $60,591,500 | 5,806 |
| Average earning assets | $54,502,250 | 5,813 |
| Average equity | $7,159,500 | 5,594 |
| Average total loans | $33,545,250 | 5,652 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5642% | 5,547 |
| Cost of funding earning assets | 0.5447% | 3,467 |
| Net interest margin | 3.0195% | 5,524 |
| Noninterest income to average assets | 0.5260% | 3,661 |
| Noninterest expense to average assets | 1.9923% | 6,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2493% | 1,459 |
| Return on assets (ROA) | 1.2493% | 1,555 |
| Pretax return on assets | 1.2493% | 2,487 |
| Return on Equity (ROE) | 10.5997% | 1,966 |
| Retained earnings to average equity (ytd only) | -0.5579% | 5,972 |
| Net charge-offs to loans | -0.0241% | 6,035 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4604% | 5,249 |
| Assets per employee ($millions) | 5.9760% | 1,212 |
| Cash dividends to net income (ytd only)* | 105.2632% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6130% | 3,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 56.1379% | 4,263 |
| Net loans and leases to deposits | 66.9942% | 4,150 |
| Net loans and leases to core deposits | 67.4576% | 4,554 |
| Total domestic deposits to total assets | 83.7952% | 4,412 |
| Equity capital to assets | 11.7620% | 2,079 |
| Core capital (leverage) ratio | 12.2231% | 1,495 |
| Tier 1 risk-based capital ratio | 16.4502% | 2,958 |
| Total risk-based capital ratio | 17.6969% | 2,917 |
| Memoranda: | ||
| Average total assets | $60,834,000 | 5,838 |
| Average earning assets | $54,711,000 | 5,836 |
| Average equity | $7,170,000 | 5,640 |
| Average total loans | $33,197,330 | 5,706 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4633% | 5,804 |
| Cost of funding earning assets | 0.5651% | 3,428 |
| Net interest margin | 2.8982% | 5,823 |
| Noninterest income to average assets | 0.5736% | 3,280 |
| Noninterest expense to average assets | 1.8641% | 6,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3166% | 1,240 |
| Return on assets (ROA) | 1.3166% | 1,343 |
| Pretax return on assets | 1.3166% | 2,170 |
| Return on Equity (ROE) | 11.1595% | 1,656 |
| Retained earnings to average equity (ytd only) | -10.9385% | 6,650 |
| Net charge-offs to loans | -0.0489% | 6,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6066% | 5,767 |
| Assets per employee ($millions) | 6.1107% | 1,186 |
| Cash dividends to net income (ytd only)* | 198.0198% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6922% | 3,040 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 52.2902% | 4,665 |
| Net loans and leases to deposits | 62.3376% | 4,498 |
| Net loans and leases to core deposits | 62.7551% | 4,879 |
| Total domestic deposits to total assets | 83.8824% | 4,527 |
| Equity capital to assets | 11.6746% | 2,275 |
| Core capital (leverage) ratio | 11.7353% | 1,720 |
| Tier 1 risk-based capital ratio | 16.7761% | 2,871 |
| Total risk-based capital ratio | 18.0491% | 2,823 |
| Memoranda: | ||
| Average total assets | $61,371,000 | 5,876 |
| Average earning assets | $55,207,500 | 5,869 |
| Average equity | $7,240,500 | 5,676 |
| Average total loans | $32,747,000 | 5,763 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 4,713 |
| Cost of funding earning assets | 0.7637% | 2,977 |
| Net interest margin | 3.4008% | 4,880 |
| Noninterest income to average assets | 0.6203% | 3,163 |
| Noninterest expense to average assets | 2.2597% | 5,790 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3912% | 1,114 |
| Return on assets (ROA) | 1.3912% | 1,226 |
| Pretax return on assets | 1.3912% | 2,071 |
| Return on Equity (ROE) | 11.0364% | 1,794 |
| Retained earnings to average equity (ytd only) | 5.4128% | 2,436 |
| Net charge-offs to loans | 0.0117% | 5,759 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 196.2500% | 215 |
| Efficiency ratio | 61.8932% | 5,251 |
| Assets per employee ($millions) | 6.1635% | 1,184 |
| Cash dividends to net income (ytd only)* | 50.9554% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6550% | 3,099 |
| Loan loss allowance to noncurrent loans | 3,640.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0243% | 6,598 |
| Noncurrent loans to loans | 0.0455% | 6,393 |
| Net loans and leases to total assets | 52.6405% | 4,819 |
| Net loans and leases to deposits | 63.7251% | 4,566 |
| Net loans and leases to core deposits | 64.1535% | 4,939 |
| Total domestic deposits to total assets | 82.6057% | 4,885 |
| Equity capital to assets | 11.9202% | 2,100 |
| Core capital (leverage) ratio | 12.6808% | 1,245 |
| Tier 1 risk-based capital ratio | 16.9501% | 2,678 |
| Total risk-based capital ratio | 18.2011% | 2,641 |
| Memoranda: | ||
| Average total assets | $56,424,600 | 6,014 |
| Average earning assets | $50,282,400 | 6,039 |
| Average equity | $7,112,800 | 5,731 |
| Average total loans | $34,132,000 | 5,755 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 4,144 |
| Cost of funding earning assets | 0.8139% | 2,834 |
| Net interest margin | 3.5631% | 4,384 |
| Noninterest income to average assets | 0.5950% | 3,311 |
| Noninterest expense to average assets | 2.1697% | 6,021 |
| Loan and lease loss provision to assets | 0.0242% | 5,487 |
| Net operating income to assets | 1.5674% | 919 |
| Return on assets (ROA) | 1.5674% | 1,013 |
| Pretax return on assets | 1.5674% | 1,679 |
| Return on Equity (ROE) | 12.2477% | 1,551 |
| Retained earnings to average equity (ytd only) | 4.6874% | 3,599 |
| Net charge-offs to loans | 0.0155% | 5,470 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 164.5985% | 269 |
| Efficiency ratio | 57.6849% | 5,832 |
| Assets per employee ($millions) | 5.4944% | 1,639 |
| Cash dividends to net income (ytd only)* | 61.7283% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7172% | 3,092 |
| Loan loss allowance to noncurrent loans | 3,978.5714% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 5,625 |
| Noncurrent loans to loans | 0.0432% | 6,511 |
| Net loans and leases to total assets | 58.0209% | 4,131 |
| Net loans and leases to deposits | 72.0527% | 3,606 |
| Net loans and leases to core deposits | 72.6123% | 4,181 |
| Total domestic deposits to total assets | 80.5256% | 5,506 |
| Equity capital to assets | 13.2462% | 1,476 |
| Core capital (leverage) ratio | 13.2967% | 1,075 |
| Tier 1 risk-based capital ratio | 17.2668% | 2,621 |
| Total risk-based capital ratio | 18.5186% | 2,575 |
| Memoranda: | ||
| Average total assets | $55,122,000 | 6,120 |
| Average earning assets | $48,982,500 | 6,164 |
| Average equity | $7,054,250 | 5,814 |
| Average total loans | $34,417,250 | 5,818 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 3,895 |
| Cost of funding earning assets | 0.8374% | 2,888 |
| Net interest margin | 3.6342% | 4,110 |
| Noninterest income to average assets | 0.5292% | 3,730 |
| Noninterest expense to average assets | 2.1928% | 6,028 |
| Loan and lease loss provision to assets | 0.0362% | 5,222 |
| Net operating income to assets | 1.5404% | 929 |
| Return on assets (ROA) | 1.5404% | 1,043 |
| Pretax return on assets | 1.5404% | 1,746 |
| Return on Equity (ROE) | 12.1782% | 1,613 |
| Retained earnings to average equity (ytd only) | 0.7164% | 5,774 |
| Net charge-offs to loans | 0.0057% | 5,410 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 435.0000% | 93 |
| Efficiency ratio | 58.1731% | 5,846 |
| Assets per employee ($millions) | 5.0159% | 2,165 |
| Cash dividends to net income (ytd only)* | 94.1176% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5642% | 3,725 |
| Loan loss allowance to noncurrent loans | 532.3810% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.5872% | 5,298 |
| Noncurrent loans to loans | 0.2938% | 5,976 |
| Net loans and leases to total assets | 63.7553% | 3,088 |
| Net loans and leases to deposits | 79.8570% | 2,402 |
| Net loans and leases to core deposits | 80.4782% | 3,150 |
| Total domestic deposits to total assets | 79.8369% | 5,780 |
| Equity capital to assets | 12.8011% | 1,628 |
| Core capital (leverage) ratio | 12.6248% | 1,304 |
| Tier 1 risk-based capital ratio | 15.7271% | 3,316 |
| Total risk-based capital ratio | 16.9733% | 3,283 |
| Memoranda: | ||
| Average total assets | $55,181,330 | 6,158 |
| Average earning assets | $49,198,670 | 6,189 |
| Average equity | $6,979,670 | 5,854 |
| Average total loans | $35,077,670 | 5,829 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4505% | 4,115 |
| Cost of funding earning assets | 0.8624% | 2,970 |
| Net interest margin | 3.5880% | 4,313 |
| Noninterest income to average assets | 0.5509% | 3,558 |
| Noninterest expense to average assets | 2.2470% | 5,908 |
| Loan and lease loss provision to assets | 0.0725% | 4,495 |
| Net operating income to assets | 1.4279% | 1,172 |
| Return on assets (ROA) | 1.4279% | 1,316 |
| Pretax return on assets | 1.4279% | 2,094 |
| Return on Equity (ROE) | 11.3577% | 1,885 |
| Retained earnings to average equity (ytd only) | -11.7037% | 6,893 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9613% | 5,616 |
| Assets per employee ($millions) | 4.9963% | 2,258 |
| Cash dividends to net income (ytd only)* | 203.0457% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5650% | 3,867 |
| Loan loss allowance to noncurrent loans | 18,666.6667% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 6,931 |
| Noncurrent loans to loans | 0.0084% | 6,775 |
| Net loans and leases to total assets | 64.0878% | 2,834 |
| Net loans and leases to deposits | 80.0627% | 2,194 |
| Net loans and leases to core deposits | 81.2465% | 2,923 |
| Total domestic deposits to total assets | 80.0469% | 5,842 |
| Equity capital to assets | 12.4456% | 1,755 |
| Core capital (leverage) ratio | 12.1810% | 1,490 |
| Tier 1 risk-based capital ratio | 15.2523% | 3,586 |
| Total risk-based capital ratio | 16.5021% | 3,554 |
| Memoranda: | ||
| Average total assets | $55,184,500 | 6,202 |
| Average earning assets | $49,163,500 | 6,235 |
| Average equity | $6,938,000 | 5,891 |
| Average total loans | $34,748,500 | 5,885 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7209% | 4,164 |
| Cost of funding earning assets | 1.0420% | 3,080 |
| Net interest margin | 3.6789% | 4,398 |
| Noninterest income to average assets | 0.5889% | 3,230 |
| Noninterest expense to average assets | 2.4106% | 5,745 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4543% | 918 |
| Return on assets (ROA) | 1.4581% | 988 |
| Pretax return on assets | 1.4581% | 1,606 |
| Return on Equity (ROE) | 11.5425% | 1,541 |
| Retained earnings to average equity (ytd only) | 9.5188% | 669 |
| Net charge-offs to loans | -0.1166% | 7,153 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3714% | 5,400 |
| Assets per employee ($millions) | 5.0373% | 2,142 |
| Cash dividends to net income (ytd only)* | 17.5325% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6313% | 3,460 |
| Loan loss allowance to noncurrent loans | 478.2609% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 6,444 |
| Noncurrent loans to loans | 0.3411% | 6,048 |
| Net loans and leases to total assets | 59.8538% | 4,018 |
| Net loans and leases to deposits | 75.0068% | 3,343 |
| Net loans and leases to core deposits | 76.1102% | 3,965 |
| Total domestic deposits to total assets | 79.7979% | 5,798 |
| Equity capital to assets | 12.6981% | 1,657 |
| Core capital (leverage) ratio | 13.0070% | 1,135 |
| Tier 1 risk-based capital ratio | 16.3631% | 2,883 |
| Total risk-based capital ratio | 17.6121% | 2,850 |
| Memoranda: | ||
| Average total assets | $52,807,600 | 6,271 |
| Average earning assets | $47,024,800 | 6,292 |
| Average equity | $6,671,000 | 5,965 |
| Average total loans | $33,434,600 | 5,981 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8142% | 3,962 |
| Cost of funding earning assets | 1.0946% | 3,016 |
| Net interest margin | 3.7195% | 4,250 |
| Noninterest income to average assets | 0.5752% | 3,334 |
| Noninterest expense to average assets | 2.3032% | 6,023 |
| Loan and lease loss provision to assets | 0.0767% | 5,487 |
| Net operating income to assets | 1.5133% | 905 |
| Return on assets (ROA) | 1.5133% | 984 |
| Pretax return on assets | 1.5133% | 1,613 |
| Return on Equity (ROE) | 11.9960% | 1,553 |
| Retained earnings to average equity (ytd only) | 9.2605% | 1,055 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1596% | 5,839 |
| Assets per employee ($millions) | 4.7051% | 2,614 |
| Cash dividends to net income (ytd only)* | 22.8047% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6223% | 3,563 |
| Loan loss allowance to noncurrent loans | 870.9677% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 6,750 |
| Noncurrent loans to loans | 0.1863% | 6,496 |
| Net loans and leases to total assets | 63.2719% | 3,460 |
| Net loans and leases to deposits | 80.9647% | 2,527 |
| Net loans and leases to core deposits | 82.2665% | 3,286 |
| Total domestic deposits to total assets | 78.1475% | 6,162 |
| Equity capital to assets | 13.2873% | 1,471 |
| Core capital (leverage) ratio | 12.9034% | 1,261 |
| Tier 1 risk-based capital ratio | 16.3568% | 2,938 |
| Total risk-based capital ratio | 17.6068% | 2,905 |
| Memoranda: | ||
| Average total assets | $52,157,000 | 6,352 |
| Average earning assets | $46,528,250 | 6,365 |
| Average equity | $6,579,750 | 6,035 |
| Average total loans | $33,364,500 | 6,045 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7778% | 4,186 |
| Cost of funding earning assets | 1.1161% | 3,118 |
| Net interest margin | 3.6617% | 4,460 |
| Noninterest income to average assets | 0.5661% | 3,362 |
| Noninterest expense to average assets | 2.3599% | 5,964 |
| Loan and lease loss provision to assets | 0.0765% | 5,350 |
| Net operating income to assets | 1.3922% | 1,098 |
| Return on assets (ROA) | 1.3922% | 1,167 |
| Pretax return on assets | 1.3922% | 1,813 |
| Return on Equity (ROE) | 11.2334% | 1,717 |
| Retained earnings to average equity (ytd only) | 8.9806% | 1,112 |
| Net charge-offs to loans | 0.0060% | 5,790 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 384.0000% | 84 |
| Efficiency ratio | 61.6384% | 5,640 |
| Assets per employee ($millions) | 4.6823% | 2,572 |
| Cash dividends to net income (ytd only)* | 20.0549% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5969% | 3,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 63.4094% | 3,597 |
| Net loans and leases to deposits | 81.2009% | 2,580 |
| Net loans and leases to core deposits | 82.5139% | 3,429 |
| Total domestic deposits to total assets | 78.0895% | 6,271 |
| Equity capital to assets | 12.8997% | 1,569 |
| Core capital (leverage) ratio | 12.6659% | 1,298 |
| Tier 1 risk-based capital ratio | 16.0285% | 2,964 |
| Total risk-based capital ratio | 17.2795% | 2,925 |
| Memoranda: | ||
| Average total assets | $52,290,670 | 6,399 |
| Average earning assets | $46,590,000 | 6,421 |
| Average equity | $6,480,670 | 6,090 |
| Average total loans | $33,390,330 | 6,113 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 4,174 |
| Cost of funding earning assets | 1.1575% | 3,102 |
| Net interest margin | 3.6184% | 4,491 |
| Noninterest income to average assets | 0.5543% | 3,478 |
| Noninterest expense to average assets | 2.3689% | 5,991 |
| Loan and lease loss provision to assets | 0.0759% | 5,050 |
| Net operating income to assets | 1.3135% | 1,234 |
| Return on assets (ROA) | 1.3135% | 1,282 |
| Pretax return on assets | 1.3135% | 2,002 |
| Return on Equity (ROE) | 10.8142% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.8142% | 935 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0303% | 5,522 |
| Assets per employee ($millions) | 4.6967% | 2,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,787 |
| Loan loss allowance to noncurrent loans | 52,100.0000% | 8 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 7,214 |
| Noncurrent loans to loans | 0.0030% | 7,085 |
| Net loans and leases to total assets | 62.5639% | 3,741 |
| Net loans and leases to deposits | 79.8987% | 2,739 |
| Net loans and leases to core deposits | 81.7001% | 3,492 |
| Total domestic deposits to total assets | 78.3040% | 6,336 |
| Equity capital to assets | 12.5852% | 1,579 |
| Core capital (leverage) ratio | 12.2287% | 1,443 |
| Tier 1 risk-based capital ratio | 15.8003% | 2,998 |
| Total risk-based capital ratio | 17.0513% | 2,959 |
| Memoranda: | ||
| Average total assets | $52,683,500 | 6,432 |
| Average earning assets | $46,650,500 | 6,468 |
| Average equity | $6,399,000 | 6,128 |
| Average total loans | $33,491,000 | 6,155 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3697% | 2,810 |
| Cost of funding earning assets | 1.3932% | 3,314 |
| Net interest margin | 3.9764% | 3,120 |
| Noninterest income to average assets | 0.5940% | 3,513 |
| Noninterest expense to average assets | 2.4228% | 6,037 |
| Loan and lease loss provision to assets | 0.0388% | 6,772 |
| Net operating income to assets | 1.5104% | 745 |
| Return on assets (ROA) | 1.5104% | 807 |
| Pretax return on assets | 1.5123% | 1,341 |
| Return on Equity (ROE) | 12.5177% | 1,215 |
| Retained earnings to average equity (ytd only) | 3.4432% | 3,457 |
| Net charge-offs to loans | 0.0514% | 6,276 |
| Credit loss provision to net charge-offs | 117.6471% | 3,628 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 492 |
| Efficiency ratio | 60.9673% | 5,899 |
| Assets per employee ($millions) | 4.8821% | 2,310 |
| Cash dividends to net income (ytd only)* | 72.4936% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4969% | 4,034 |
| Loan loss allowance to noncurrent loans | 2,044.0000% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 7,117 |
| Noncurrent loans to loans | 0.0732% | 6,943 |
| Net loans and leases to total assets | 62.6166% | 4,145 |
| Net loans and leases to deposits | 79.5792% | 3,247 |
| Net loans and leases to core deposits | 80.7895% | 4,096 |
| Total domestic deposits to total assets | 78.6846% | 6,167 |
| Equity capital to assets | 11.7237% | 2,103 |
| Core capital (leverage) ratio | 12.0162% | 1,542 |
| Tier 1 risk-based capital ratio | 15.0555% | 3,210 |
| Total risk-based capital ratio | 16.2852% | 3,185 |
| Memoranda: | ||
| Average total assets | $51,511,000 | 6,482 |
| Average earning assets | $43,782,800 | 6,588 |
| Average equity | $6,215,200 | 6,304 |
| Average total loans | $33,094,200 | 6,256 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4700% | 2,559 |
| Cost of funding earning assets | 1.4471% | 3,296 |
| Net interest margin | 4.0228% | 2,996 |
| Noninterest income to average assets | 0.5860% | 3,536 |
| Noninterest expense to average assets | 2.2447% | 6,476 |
| Loan and lease loss provision to assets | 0.0262% | 6,806 |
| Net operating income to assets | 1.7162% | 604 |
| Return on assets (ROA) | 1.7162% | 658 |
| Pretax return on assets | 1.7188% | 1,078 |
| Return on Equity (ROE) | 14.1185% | 1,002 |
| Retained earnings to average equity (ytd only) | 5.5096% | 2,644 |
| Net charge-offs to loans | 0.0771% | 5,750 |
| Credit loss provision to net charge-offs | 52.6316% | 5,846 |
| Earnings coverage of net charge-offs (x) | 35.1090% | 769 |
| Efficiency ratio | 56.2623% | 6,519 |
| Assets per employee ($millions) | 4.6765% | 2,635 |
| Cash dividends to net income (ytd only)* | 60.9759% | 1,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 3,840 |
| Loan loss allowance to noncurrent loans | 4,536.3636% | 84 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 7,309 |
| Noncurrent loans to loans | 0.0337% | 7,164 |
| Net loans and leases to total assets | 62.5520% | 4,418 |
| Net loans and leases to deposits | 80.8940% | 3,288 |
| Net loans and leases to core deposits | 83.8056% | 3,975 |
| Total domestic deposits to total assets | 77.3259% | 6,410 |
| Equity capital to assets | 12.5870% | 1,819 |
| Core capital (leverage) ratio | 12.2427% | 1,539 |
| Tier 1 risk-based capital ratio | 13.8057% | 3,978 |
| Total risk-based capital ratio | 14.8995% | 4,033 |
| Memoranda: | ||
| Average total assets | $50,963,000 | 6,575 |
| Average earning assets | $43,119,250 | 6,693 |
| Average equity | $6,195,000 | 6,395 |
| Average total loans | $32,833,250 | 6,347 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 2,638 |
| Cost of funding earning assets | 1.4415% | 3,610 |
| Net interest margin | 4.0325% | 2,863 |
| Noninterest income to average assets | 0.5826% | 3,463 |
| Noninterest expense to average assets | 2.2912% | 6,380 |
| Loan and lease loss provision to assets | 0.0394% | 6,567 |
| Net operating income to assets | 1.6731% | 612 |
| Return on assets (ROA) | 1.6731% | 660 |
| Pretax return on assets | 1.6771% | 1,100 |
| Return on Equity (ROE) | 13.9306% | 1,053 |
| Retained earnings to average equity (ytd only) | 0.8194% | 5,444 |
| Net charge-offs to loans | 0.1277% | 4,919 |
| Credit loss provision to net charge-offs | 47.6190% | 5,470 |
| Earnings coverage of net charge-offs (x) | 20.7619% | 1,201 |
| Efficiency ratio | 57.1709% | 6,487 |
| Assets per employee ($millions) | 4.6252% | 2,693 |
| Cash dividends to net income (ytd only)* | 94.1176% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4951% | 3,961 |
| Loan loss allowance to noncurrent loans | 887.5000% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 7,111 |
| Noncurrent loans to loans | 0.1685% | 6,922 |
| Net loans and leases to total assets | 64.3591% | 4,185 |
| Net loans and leases to deposits | 83.9956% | 2,869 |
| Net loans and leases to core deposits | 87.0828% | 3,678 |
| Total domestic deposits to total assets | 76.6220% | 6,580 |
| Equity capital to assets | 12.1116% | 2,036 |
| Core capital (leverage) ratio | 12.0847% | 1,600 |
| Tier 1 risk-based capital ratio | 13.2081% | 4,282 |
| Total risk-based capital ratio | 14.2901% | 4,360 |
| Memoranda: | ||
| Average total assets | $50,803,330 | 6,622 |
| Average earning assets | $43,149,670 | 6,734 |
| Average equity | $6,101,670 | 6,437 |
| Average total loans | $32,885,330 | 6,388 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4940% | 2,611 |
| Cost of funding earning assets | 1.4507% | 3,875 |
| Net interest margin | 4.0433% | 2,682 |
| Noninterest income to average assets | 0.5121% | 3,952 |
| Noninterest expense to average assets | 2.2850% | 6,421 |
| Loan and lease loss provision to assets | 0.0394% | 6,283 |
| Net operating income to assets | 1.5837% | 778 |
| Return on assets (ROA) | 1.5837% | 832 |
| Pretax return on assets | 1.5916% | 1,283 |
| Return on Equity (ROE) | 13.2422% | 1,204 |
| Retained earnings to average equity (ytd only) | -13.1104% | 7,127 |
| Net charge-offs to loans | 0.2568% | 3,396 |
| Credit loss provision to net charge-offs | 23.8095% | 4,901 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 1,799 |
| Efficiency ratio | 58.3501% | 6,430 |
| Assets per employee ($millions) | 4.5865% | 2,826 |
| Cash dividends to net income (ytd only)* | 199.0050% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 3,912 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.0331% | 4,320 |
| Net loans and leases to deposits | 82.3439% | 3,227 |
| Net loans and leases to core deposits | 85.9362% | 3,912 |
| Total domestic deposits to total assets | 77.7630% | 6,379 |
| Equity capital to assets | 11.8152% | 2,155 |
| Core capital (leverage) ratio | 11.6810% | 1,809 |
| Tier 1 risk-based capital ratio | 13.0951% | 4,263 |
| Total risk-based capital ratio | 14.1980% | 4,349 |
| Memoranda: | ||
| Average total assets | $50,766,500 | 6,707 |
| Average earning assets | $42,737,500 | 6,830 |
| Average equity | $6,071,500 | 6,493 |
| Average total loans | $32,707,500 | 6,476 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7083% | 3,059 |
| Cost of funding earning assets | 1.7441% | 4,279 |
| Net interest margin | 3.9642% | 3,009 |
| Noninterest income to average assets | 0.5665% | 3,896 |
| Noninterest expense to average assets | 2.5504% | 5,950 |
| Loan and lease loss provision to assets | 0.0907% | 6,698 |
| Net operating income to assets | 1.3649% | 913 |
| Return on assets (ROA) | 1.3649% | 963 |
| Pretax return on assets | 1.3669% | 1,510 |
| Return on Equity (ROE) | 11.6776% | 1,240 |
| Retained earnings to average equity (ytd only) | 11.6776% | 234 |
| Net charge-offs to loans | 0.0808% | 6,300 |
| Credit loss provision to net charge-offs | 173.0769% | 2,449 |
| Earnings coverage of net charge-offs (x) | 27.8077% | 820 |
| Efficiency ratio | 63.6318% | 5,844 |
| Assets per employee ($millions) | 5.1081% | 2,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 3,447 |
| Loan loss allowance to noncurrent loans | 736.2319% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 7,142 |
| Noncurrent loans to loans | 0.2115% | 6,898 |
| Net loans and leases to total assets | 62.8590% | 4,843 |
| Net loans and leases to deposits | 81.0690% | 3,782 |
| Net loans and leases to core deposits | 93.5931% | 4,717 |
| Total domestic deposits to total assets | 77.5376% | 6,343 |
| Equity capital to assets | 12.1023% | 1,977 |
| Core capital (leverage) ratio | 12.2001% | 1,582 |
| Tier 1 risk-based capital ratio | 13.4836% | 3,834 |
| Total risk-based capital ratio | 14.6173% | 3,846 |
| Memoranda: | ||
| Average total assets | $49,600,800 | 6,725 |
| Average earning assets | $43,060,000 | 6,812 |
| Average equity | $5,797,400 | 6,672 |
| Average total loans | $32,186,000 | 6,513 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7708% | 3,019 |
| Cost of funding earning assets | 1.8103% | 4,340 |
| Net interest margin | 3.9604% | 2,993 |
| Noninterest income to average assets | 0.5444% | 4,125 |
| Noninterest expense to average assets | 2.3426% | 6,584 |
| Loan and lease loss provision to assets | 0.0948% | 6,420 |
| Net operating income to assets | 1.5762% | 695 |
| Return on assets (ROA) | 1.5762% | 750 |
| Pretax return on assets | 1.5789% | 1,218 |
| Return on Equity (ROE) | 13.6107% | 997 |
| Retained earnings to average equity (ytd only) | 13.6107% | 219 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3277% | 6,676 |
| Assets per employee ($millions) | 4.8241% | 2,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 2,809 |
| Loan loss allowance to noncurrent loans | 1,637.5000% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.0663% | 7,395 |
| Noncurrent loans to loans | 0.1008% | 7,225 |
| Net loans and leases to total assets | 64.7395% | 4,703 |
| Net loans and leases to deposits | 84.7816% | 3,525 |
| Net loans and leases to core deposits | 96.2939% | 4,775 |
| Total domestic deposits to total assets | 76.3604% | 6,511 |
| Equity capital to assets | 12.5744% | 1,903 |
| Core capital (leverage) ratio | 12.0599% | 1,779 |
| Tier 1 risk-based capital ratio | 13.5296% | 3,826 |
| Total risk-based capital ratio | 14.7219% | 3,807 |
| Memoranda: | ||
| Average total assets | $49,230,750 | 6,795 |
| Average earning assets | $43,159,000 | 6,861 |
| Average equity | $5,701,250 | 6,776 |
| Average total loans | $32,078,250 | 6,566 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7854% | 3,121 |
| Cost of funding earning assets | 1.8484% | 4,521 |
| Net interest margin | 3.9371% | 2,941 |
| Noninterest income to average assets | 0.5286% | 4,198 |
| Noninterest expense to average assets | 2.3365% | 6,656 |
| Loan and lease loss provision to assets | 0.1211% | 5,908 |
| Net operating income to assets | 1.5093% | 817 |
| Return on assets (ROA) | 1.5093% | 876 |
| Pretax return on assets | 1.5093% | 1,421 |
| Return on Equity (ROE) | 13.4058% | 1,095 |
| Retained earnings to average equity (ytd only) | 13.4058% | 289 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9013% | 6,709 |
| Assets per employee ($millions) | 4.5283% | 2,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 2,614 |
| Loan loss allowance to noncurrent loans | 1,621.8750% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 7,433 |
| Noncurrent loans to loans | 0.1005% | 7,275 |
| Net loans and leases to total assets | 62.8797% | 5,203 |
| Net loans and leases to deposits | 80.5851% | 4,462 |
| Net loans and leases to core deposits | 91.2563% | 5,424 |
| Total domestic deposits to total assets | 78.0289% | 6,069 |
| Equity capital to assets | 11.5477% | 2,511 |
| Core capital (leverage) ratio | 11.6538% | 2,000 |
| Tier 1 risk-based capital ratio | 12.5605% | 4,475 |
| Total risk-based capital ratio | 13.6966% | 4,489 |
| Memoranda: | ||
| Average total assets | $49,560,670 | 6,849 |
| Average earning assets | $43,281,000 | 6,912 |
| Average equity | $5,579,670 | 6,871 |
| Average total loans | $32,186,000 | 6,602 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9043% | 2,770 |
| Cost of funding earning assets | 1.9187% | 4,541 |
| Net interest margin | 3.9856% | 2,704 |
| Noninterest income to average assets | 0.5259% | 4,090 |
| Noninterest expense to average assets | 2.1280% | 7,055 |
| Loan and lease loss provision to assets | 0.1214% | 5,411 |
| Net operating income to assets | 1.7558% | 577 |
| Return on assets (ROA) | 1.7558% | 632 |
| Pretax return on assets | 1.7558% | 1,064 |
| Return on Equity (ROE) | 15.8005% | 853 |
| Retained earnings to average equity (ytd only) | 15.8005% | 355 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1313% | 7,306 |
| Assets per employee ($millions) | 4.4961% | 2,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 2,654 |
| Loan loss allowance to noncurrent loans | 170.8475% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.5965% | 5,688 |
| Noncurrent loans to loans | 0.9180% | 5,166 |
| Net loans and leases to total assets | 63.9586% | 4,993 |
| Net loans and leases to deposits | 81.9270% | 4,299 |
| Net loans and leases to core deposits | 93.0846% | 5,247 |
| Total domestic deposits to total assets | 78.0678% | 5,991 |
| Equity capital to assets | 11.3472% | 2,689 |
| Core capital (leverage) ratio | 11.4456% | 2,180 |
| Tier 1 risk-based capital ratio | 12.0624% | 4,910 |
| Total risk-based capital ratio | 13.1515% | 4,952 |
| Memoranda: | ||
| Average total assets | $49,435,500 | 6,892 |
| Average earning assets | $43,155,000 | 6,970 |
| Average equity | $5,493,500 | 6,947 |
| Average total loans | $32,359,000 | 6,625 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5096% | 2,911 |
| Cost of funding earning assets | 2.4909% | 4,256 |
| Net interest margin | 4.0187% | 3,030 |
| Noninterest income to average assets | 0.6542% | 3,443 |
| Noninterest expense to average assets | 2.7090% | 5,232 |
| Loan and lease loss provision to assets | 0.0513% | 6,775 |
| Net operating income to assets | 1.4499% | 1,128 |
| Return on assets (ROA) | 1.4499% | 1,078 |
| Pretax return on assets | 1.4540% | 1,810 |
| Return on Equity (ROE) | 13.2591% | 1,267 |
| Retained earnings to average equity (ytd only) | 2.1567% | 3,885 |
| Net charge-offs to loans | 0.3131% | 3,299 |
| Credit loss provision to net charge-offs | 24.7525% | 6,561 |
| Earnings coverage of net charge-offs (x) | 7.2673% | 3,150 |
| Efficiency ratio | 64.2822% | 5,502 |
| Assets per employee ($millions) | 4.4922% | 2,630 |
| Cash dividends to net income (ytd only)* | 83.7341% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5008% | 2,686 |
| Loan loss allowance to noncurrent loans | 8,150.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 7,572 |
| Noncurrent loans to loans | 0.0184% | 7,451 |
| Net loans and leases to total assets | 64.9472% | 5,074 |
| Net loans and leases to deposits | 82.7993% | 4,605 |
| Net loans and leases to core deposits | 92.6767% | 5,568 |
| Total domestic deposits to total assets | 78.4393% | 5,569 |
| Equity capital to assets | 10.8775% | 3,140 |
| Core capital (leverage) ratio | 11.0831% | 2,523 |
| Tier 1 risk-based capital ratio | 11.6229% | 5,135 |
| Total risk-based capital ratio | 12.6823% | 5,209 |
| Memoranda: | ||
| Average total assets | $48,763,600 | 6,832 |
| Average earning assets | $43,198,000 | 6,890 |
| Average equity | $5,332,200 | 7,032 |
| Average total loans | $32,263,200 | 6,597 |