Home > Jonesburg State Bank > Performance and Condition Ratios
Jonesburg 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 | 4.8179% | 2,441 |
| Cost of funding earning assets | 0.6447% | 4,006 |
| Net interest margin | 4.1732% | 974 |
| Noninterest income to average assets | 0.4200% | 2,406 |
| Noninterest expense to average assets | 2.7021% | 1,733 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 1.6542% | 786 |
| Return on assets (ROA) | 1.6813% | 733 |
| Pretax return on assets | 1.6813% | 1,098 |
| Return on Equity (ROE) | 21.0600% | 531 |
| Retained earnings to average equity (ytd only) | 6.0782% | 2,212 |
| Net charge-offs to loans | 0.0116% | 2,211 |
| Credit loss provision to net charge-offs | 450.0000% | 724 |
| Earnings coverage of net charge-offs (x) | 217.6000% | 560 |
| Efficiency ratio | 61.5344% | 2,902 |
| Assets per employee ($millions) | 5.2567% | 3,429 |
| Cash dividends to net income (ytd only)* | 71.1450% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 2,646 |
| 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 | 68.5900% | 1,968 |
| Net loans and leases to deposits | 76.4601% | 2,407 |
| Net loans and leases to core deposits | 81.1099% | 2,646 |
| Total domestic deposits to total assets | 89.7000% | 843 |
| Equity capital to assets | 8.1922% | 3,284 |
| Core capital (leverage) ratio | 8.5749% | 4,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1645% | 1,489 |
| Memoranda: | ||
| Average total assets | $128,825,800 | 3,561 |
| Average earning assets | $122,543,600 | 3,520 |
| Average equity | $10,282,600 | 3,687 |
| Average total loans | $85,857,400 | 3,351 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6535% | 2,565 |
| Cost of funding earning assets | 0.5811% | 4,003 |
| Net interest margin | 4.0724% | 1,114 |
| Noninterest income to average assets | 0.4300% | 2,306 |
| Noninterest expense to average assets | 2.6182% | 1,887 |
| Loan and lease loss provision to assets | 0.0400% | 2,145 |
| Net operating income to assets | 1.6497% | 863 |
| Return on assets (ROA) | 1.6706% | 830 |
| Pretax return on assets | 1.6706% | 1,216 |
| Return on Equity (ROE) | 21.0700% | 634 |
| Retained earnings to average equity (ytd only) | 7.9512% | 1,981 |
| Net charge-offs to loans | 0.0032% | 2,408 |
| Credit loss provision to net charge-offs | 1,700.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 810.0000% | 196 |
| Efficiency ratio | 60.8412% | 2,868 |
| Assets per employee ($millions) | 5.2166% | 3,419 |
| Cash dividends to net income (ytd only)* | 62.2665% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1595% | 2,577 |
| 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 | 67.2600% | 2,131 |
| Net loans and leases to deposits | 73.5726% | 2,606 |
| Net loans and leases to core deposits | 77.5763% | 2,764 |
| Total domestic deposits to total assets | 91.4200% | 575 |
| Equity capital to assets | 8.0113% | 3,054 |
| Core capital (leverage) ratio | 8.7276% | 4,004 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4443% | 1,438 |
| Memoranda: | ||
| Average total assets | $128,178,000 | 3,583 |
| Average earning assets | $122,055,750 | 3,535 |
| Average equity | $10,161,750 | 3,708 |
| Average total loans | $84,530,000 | 3,365 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4598% | 2,743 |
| Cost of funding earning assets | 0.5074% | 3,966 |
| Net interest margin | 3.9525% | 1,323 |
| Noninterest income to average assets | 0.4100% | 2,372 |
| Noninterest expense to average assets | 2.5833% | 1,970 |
| Loan and lease loss provision to assets | 0.0400% | 2,074 |
| Net operating income to assets | 1.5836% | 973 |
| Return on assets (ROA) | 1.5836% | 974 |
| Pretax return on assets | 1.5836% | 1,441 |
| Return on Equity (ROE) | 20.0500% | 701 |
| Retained earnings to average equity (ytd only) | 8.1261% | 1,921 |
| Net charge-offs to loans | 0.0024% | 2,271 |
| Credit loss provision to net charge-offs | 2,300.0000% | 231 |
| Earnings coverage of net charge-offs (x) | 1,032.0000% | 142 |
| Efficiency ratio | 61.4638% | 2,780 |
| Assets per employee ($millions) | 5.0766% | 3,529 |
| Cash dividends to net income (ytd only)* | 59.4648% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,360 |
| Loan loss allowance to noncurrent loans | 4,636.3636% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,661 |
| Noncurrent loans to loans | 0.0263% | 3,570 |
| Net loans and leases to total assets | 65.1700% | 2,255 |
| Net loans and leases to deposits | 71.3759% | 2,691 |
| Net loans and leases to core deposits | 75.1463% | 2,821 |
| Total domestic deposits to total assets | 91.3000% | 558 |
| Equity capital to assets | 8.1386% | 3,128 |
| Core capital (leverage) ratio | 8.5772% | 4,096 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3184% | 1,259 |
| Memoranda: | ||
| Average total assets | $127,432,000 | 3,597 |
| Average earning assets | $122,201,667 | 3,540 |
| Average equity | $10,066,333 | 3,736 |
| Average total loans | $83,125,667 | 3,377 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 2,926 |
| Cost of funding earning assets | 0.4280% | 3,893 |
| Net interest margin | 3.8230% | 1,638 |
| Noninterest income to average assets | 0.3800% | 2,520 |
| Noninterest expense to average assets | 2.6439% | 1,828 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.3940% | 1,425 |
| Return on assets (ROA) | 1.3940% | 1,400 |
| Pretax return on assets | 1.3940% | 1,895 |
| Return on Equity (ROE) | 17.9200% | 1,042 |
| Retained earnings to average equity (ytd only) | -6.2406% | 4,377 |
| Net charge-offs to loans | 0.0097% | 1,580 |
| Credit loss provision to net charge-offs | 600.0000% | 496 |
| Earnings coverage of net charge-offs (x) | 228.5000% | 467 |
| Efficiency ratio | 64.8732% | 2,345 |
| Assets per employee ($millions) | 5.1199% | 3,557 |
| Cash dividends to net income (ytd only)* | 134.8315% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2244% | 2,424 |
| Loan loss allowance to noncurrent loans | 4,382.6087% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 3,636 |
| Noncurrent loans to loans | 0.0279% | 3,568 |
| Net loans and leases to total assets | 63.5300% | 2,293 |
| Net loans and leases to deposits | 69.2903% | 2,674 |
| Net loans and leases to core deposits | 72.6616% | 2,769 |
| Total domestic deposits to total assets | 91.6900% | 593 |
| Equity capital to assets | 7.7900% | 3,390 |
| Core capital (leverage) ratio | 8.1279% | 4,368 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7749% | 1,425 |
| Memoranda: | ||
| Average total assets | $127,691,000 | 3,639 |
| Average earning assets | $123,360,000 | 3,567 |
| Average equity | $9,935,000 | 3,795 |
| Average total loans | $82,824,000 | 3,423 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7416% | 2,425 |
| Cost of funding earning assets | 0.1845% | 3,873 |
| Net interest margin | 3.5572% | 1,763 |
| Noninterest income to average assets | 0.4300% | 2,497 |
| Noninterest expense to average assets | 2.4450% | 2,286 |
| Loan and lease loss provision to assets | 0.0300% | 2,326 |
| Net operating income to assets | 1.3608% | 1,243 |
| Return on assets (ROA) | 1.3608% | 1,200 |
| Pretax return on assets | 1.3608% | 1,902 |
| Return on Equity (ROE) | 17.8700% | 725 |
| Retained earnings to average equity (ytd only) | 5.8966% | 2,683 |
| Net charge-offs to loans | 0.0062% | 2,194 |
| Credit loss provision to net charge-offs | 920.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 367.4000% | 419 |
| Efficiency ratio | 63.6597% | 2,543 |
| Assets per employee ($millions) | 5.0954% | 3,599 |
| Cash dividends to net income (ytd only)* | 67.0017% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 2,405 |
| Loan loss allowance to noncurrent loans | 4,531.8182% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 3,679 |
| Noncurrent loans to loans | 0.0264% | 3,602 |
| Net loans and leases to total assets | 64.6300% | 2,183 |
| Net loans and leases to deposits | 70.4586% | 2,541 |
| Net loans and leases to core deposits | 73.0099% | 2,650 |
| Total domestic deposits to total assets | 91.7300% | 707 |
| Equity capital to assets | 7.7710% | 3,208 |
| Core capital (leverage) ratio | 8.1706% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6738% | 1,440 |
| Memoranda: | ||
| Average total assets | $131,613,200 | 3,616 |
| Average earning assets | $126,308,600 | 3,564 |
| Average equity | $10,022,800 | 3,869 |
| Average total loans | $80,864,800 | 3,404 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5955% | 2,361 |
| Cost of funding earning assets | 0.1364% | 3,974 |
| Net interest margin | 3.4591% | 1,780 |
| Noninterest income to average assets | 0.4400% | 2,486 |
| Noninterest expense to average assets | 2.3044% | 2,620 |
| Loan and lease loss provision to assets | 0.0400% | 1,932 |
| Net operating income to assets | 1.4090% | 1,065 |
| Return on assets (ROA) | 1.4090% | 1,037 |
| Pretax return on assets | 1.4090% | 1,687 |
| Return on Equity (ROE) | 18.5900% | 566 |
| Retained earnings to average equity (ytd only) | 10.6359% | 1,159 |
| Net charge-offs to loans | 0.0050% | 1,993 |
| Credit loss provision to net charge-offs | 1,166.6667% | 372 |
| Earnings coverage of net charge-offs (x) | 479.0000% | 323 |
| Efficiency ratio | 61.4745% | 2,903 |
| Assets per employee ($millions) | 5.3679% | 3,357 |
| Cash dividends to net income (ytd only)* | 42.7960% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,348 |
| 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 | 61.2400% | 2,381 |
| Net loans and leases to deposits | 66.7750% | 2,648 |
| Net loans and leases to core deposits | 68.5087% | 2,755 |
| Total domestic deposits to total assets | 91.7100% | 970 |
| Equity capital to assets | 7.7870% | 3,029 |
| Core capital (leverage) ratio | 7.9814% | 4,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5476% | 1,276 |
| Memoranda: | ||
| Average total assets | $132,670,500 | 3,633 |
| Average earning assets | $127,044,750 | 3,587 |
| Average equity | $10,053,750 | 3,912 |
| Average total loans | $80,250,250 | 3,421 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3407% | 2,607 |
| Cost of funding earning assets | 0.1357% | 3,766 |
| Net interest margin | 3.2050% | 2,169 |
| Noninterest income to average assets | 0.4345% | 2,544 |
| Noninterest expense to average assets | 2.1635% | 2,961 |
| Loan and lease loss provision to assets | 0.0343% | 1,959 |
| Net operating income to assets | 1.3050% | 1,122 |
| Return on assets (ROA) | 1.3050% | 1,104 |
| Pretax return on assets | 1.3050% | 1,732 |
| Return on Equity (ROE) | 17.3740% | 527 |
| Retained earnings to average equity (ytd only) | 5.4468% | 2,536 |
| Net charge-offs to loans | 0.0075% | 1,721 |
| Credit loss provision to net charge-offs | 766.6667% | 483 |
| Earnings coverage of net charge-offs (x) | 299.0000% | 406 |
| Efficiency ratio | 61.7647% | 3,073 |
| Assets per employee ($millions) | 5.5354% | 3,188 |
| Cash dividends to net income (ytd only)* | 68.6499% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 2,749 |
| 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 | 58.6834% | 2,466 |
| Net loans and leases to deposits | 63.5478% | 2,763 |
| Net loans and leases to core deposits | 64.8914% | 2,902 |
| Total domestic deposits to total assets | 92.3453% | 708 |
| Equity capital to assets | 7.2053% | 3,660 |
| Core capital (leverage) ratio | 7.6258% | 4,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4727% | 1,580 |
| Memoranda: | ||
| Average total assets | $133,950,667 | 3,662 |
| Average earning assets | $128,237,000 | 3,617 |
| Average equity | $10,061,000 | 3,980 |
| Average total loans | $80,372,000 | 3,453 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3579% | 2,218 |
| Cost of funding earning assets | 0.1450% | 3,566 |
| Net interest margin | 3.2129% | 1,843 |
| Noninterest income to average assets | 0.4706% | 2,297 |
| Noninterest expense to average assets | 2.2864% | 2,550 |
| Loan and lease loss provision to assets | 0.0364% | 1,704 |
| Net operating income to assets | 1.2419% | 1,136 |
| Return on assets (ROA) | 1.2419% | 1,123 |
| Pretax return on assets | 1.2419% | 1,677 |
| Return on Equity (ROE) | 16.1884% | 516 |
| Retained earnings to average equity (ytd only) | 16.1884% | 222 |
| Net charge-offs to loans | 0.0101% | 1,393 |
| Credit loss provision to net charge-offs | 600.0000% | 466 |
| Earnings coverage of net charge-offs (x) | 210.5000% | 417 |
| Efficiency ratio | 64.1397% | 3,010 |
| Assets per employee ($millions) | 5.2730% | 3,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,840 |
| 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 | 60.0657% | 2,056 |
| Net loans and leases to deposits | 65.4572% | 2,384 |
| Net loans and leases to core deposits | 66.9188% | 2,546 |
| Total domestic deposits to total assets | 91.7633% | 670 |
| Equity capital to assets | 7.7899% | 3,737 |
| Core capital (leverage) ratio | 7.8536% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1750% | 1,466 |
| Memoranda: | ||
| Average total assets | $131,733,500 | 3,704 |
| Average earning assets | $126,864,000 | 3,647 |
| Average equity | $10,106,000 | 4,043 |
| Average total loans | $79,465,500 | 3,467 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6070% | 2,373 |
| Cost of funding earning assets | 0.2235% | 3,214 |
| Net interest margin | 3.3836% | 2,084 |
| Noninterest income to average assets | 0.4885% | 2,634 |
| Noninterest expense to average assets | 2.4127% | 2,451 |
| Loan and lease loss provision to assets | 0.0697% | 1,683 |
| Net operating income to assets | 1.2541% | 1,729 |
| Return on assets (ROA) | 1.2541% | 1,782 |
| Pretax return on assets | 1.2541% | 2,509 |
| Return on Equity (ROE) | 16.6889% | 645 |
| Retained earnings to average equity (ytd only) | 6.2714% | 2,240 |
| Net charge-offs to loans | -0.0013% | 3,304 |
| Credit loss provision to net charge-offs | -8,900.0000% | 4,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5715% | 2,468 |
| Assets per employee ($millions) | 5.4851% | 3,273 |
| Cash dividends to net income (ytd only)* | 62.4220% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 2,818 |
| 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 | 59.1213% | 2,257 |
| Net loans and leases to deposits | 64.3210% | 2,660 |
| Net loans and leases to core deposits | 66.7573% | 2,756 |
| Total domestic deposits to total assets | 91.9160% | 200 |
| Equity capital to assets | 7.5530% | 4,576 |
| Core capital (leverage) ratio | 7.5908% | 4,572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7696% | 1,589 |
| Memoranda: | ||
| Average total assets | $127,740,000 | 3,706 |
| Average earning assets | $122,621,600 | 3,654 |
| Average equity | $9,599,200 | 4,184 |
| Average total loans | $77,035,000 | 3,520 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5651% | 2,648 |
| Cost of funding earning assets | 0.2446% | 3,168 |
| Net interest margin | 3.3205% | 2,355 |
| Noninterest income to average assets | 0.4828% | 2,700 |
| Noninterest expense to average assets | 2.3308% | 2,651 |
| Loan and lease loss provision to assets | 0.0694% | 1,621 |
| Net operating income to assets | 1.2664% | 1,933 |
| Return on assets (ROA) | 1.2664% | 1,991 |
| Pretax return on assets | 1.2664% | 2,714 |
| Return on Equity (ROE) | 16.8743% | 782 |
| Retained earnings to average equity (ytd only) | 5.6621% | 2,973 |
| Net charge-offs to loans | -0.0017% | 3,191 |
| Credit loss provision to net charge-offs | -6,600.0000% | 4,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5686% | 2,456 |
| Assets per employee ($millions) | 5.3367% | 3,370 |
| Cash dividends to net income (ytd only)* | 66.4452% | 670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 3,084 |
| Loan loss allowance to noncurrent loans | 3,592.3077% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 4,059 |
| Noncurrent loans to loans | 0.0328% | 3,969 |
| Net loans and leases to total assets | 61.1379% | 2,122 |
| Net loans and leases to deposits | 66.6610% | 2,574 |
| Net loans and leases to core deposits | 69.2790% | 2,656 |
| Total domestic deposits to total assets | 91.7146% | 185 |
| Equity capital to assets | 7.6194% | 4,671 |
| Core capital (leverage) ratio | 7.4390% | 4,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4939% | 1,798 |
| Memoranda: | ||
| Average total assets | $126,764,250 | 3,755 |
| Average earning assets | $121,544,250 | 3,706 |
| Average equity | $9,513,250 | 4,250 |
| Average total loans | $76,597,500 | 3,588 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4713% | 2,972 |
| Cost of funding earning assets | 0.2758% | 3,033 |
| Net interest margin | 3.1955% | 2,769 |
| Noninterest income to average assets | 0.4655% | 2,779 |
| Noninterest expense to average assets | 2.3479% | 2,622 |
| Loan and lease loss provision to assets | 0.0697% | 1,659 |
| Net operating income to assets | 1.1114% | 2,502 |
| Return on assets (ROA) | 1.1114% | 2,561 |
| Pretax return on assets | 1.1114% | 3,176 |
| Return on Equity (ROE) | 14.8865% | 1,187 |
| Retained earnings to average equity (ytd only) | 2.1630% | 4,078 |
| Net charge-offs to loans | -0.0026% | 3,257 |
| Credit loss provision to net charge-offs | -4,400.0000% | 3,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5321% | 2,080 |
| Assets per employee ($millions) | 5.1068% | 3,551 |
| Cash dividends to net income (ytd only)* | 85.4701% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 2,869 |
| 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 | 58.2983% | 2,632 |
| Net loans and leases to deposits | 63.5589% | 3,044 |
| Net loans and leases to core deposits | 66.0596% | 3,104 |
| Total domestic deposits to total assets | 91.7233% | 185 |
| Equity capital to assets | 7.4105% | 4,762 |
| Core capital (leverage) ratio | 7.3033% | 4,781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1511% | 1,579 |
| Memoranda: | ||
| Average total assets | $126,325,333 | 3,778 |
| Average earning assets | $121,108,333 | 3,720 |
| Average equity | $9,431,333 | 4,271 |
| Average total loans | $75,716,667 | 3,624 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5904% | 2,672 |
| Cost of funding earning assets | 0.2964% | 3,032 |
| Net interest margin | 3.2940% | 2,411 |
| Noninterest income to average assets | 0.4998% | 2,613 |
| Noninterest expense to average assets | 1.9801% | 3,785 |
| Loan and lease loss provision to assets | 0.0700% | 1,760 |
| Net operating income to assets | 1.5981% | 1,131 |
| Return on assets (ROA) | 1.5981% | 1,178 |
| Pretax return on assets | 1.5981% | 1,731 |
| Return on Equity (ROE) | 21.3243% | 444 |
| Retained earnings to average equity (ytd only) | 4.3328% | 3,409 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2757% | 3,752 |
| Assets per employee ($millions) | 5.6842% | 2,932 |
| Cash dividends to net income (ytd only)* | 79.6813% | 588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2156% | 2,851 |
| 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 | 55.2575% | 3,121 |
| Net loans and leases to deposits | 60.9139% | 3,418 |
| Net loans and leases to core deposits | 63.2747% | 3,477 |
| Total domestic deposits to total assets | 90.7142% | 505 |
| Equity capital to assets | 7.2397% | 4,791 |
| Core capital (leverage) ratio | 7.6826% | 4,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8556% | 1,616 |
| Memoranda: | ||
| Average total assets | $125,652,500 | 3,791 |
| Average earning assets | $120,098,500 | 3,740 |
| Average equity | $9,416,500 | 4,281 |
| Average total loans | $75,904,000 | 3,633 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3197% | 1,807 |
| Cost of funding earning assets | 0.4361% | 3,372 |
| Net interest margin | 3.8835% | 1,261 |
| Noninterest income to average assets | 0.5161% | 2,563 |
| Noninterest expense to average assets | 2.6517% | 2,380 |
| Loan and lease loss provision to assets | 0.0262% | 4,071 |
| Net operating income to assets | 1.5319% | 742 |
| Return on assets (ROA) | 1.5319% | 804 |
| Pretax return on assets | 1.5319% | 1,238 |
| Return on Equity (ROE) | 18.8425% | 288 |
| Retained earnings to average equity (ytd only) | 9.9493% | 596 |
| Net charge-offs to loans | 0.0066% | 3,107 |
| Credit loss provision to net charge-offs | 580.0000% | 1,128 |
| Earnings coverage of net charge-offs (x) | 344.8000% | 313 |
| Efficiency ratio | 62.9884% | 2,978 |
| Assets per employee ($millions) | 4.8227% | 3,581 |
| Cash dividends to net income (ytd only)* | 47.1976% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,459 |
| Loan loss allowance to noncurrent loans | 4,330.0000% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 4,318 |
| Noncurrent loans to loans | 0.0254% | 4,223 |
| Net loans and leases to total assets | 64.5370% | 2,290 |
| Net loans and leases to deposits | 71.6544% | 2,719 |
| Net loans and leases to core deposits | 75.0992% | 2,809 |
| Total domestic deposits to total assets | 90.0670% | 538 |
| Equity capital to assets | 7.7699% | 4,781 |
| Core capital (leverage) ratio | 7.8003% | 4,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0426% | 1,836 |
| Memoranda: | ||
| Average total assets | $110,646,600 | 3,874 |
| Average earning assets | $105,240,000 | 3,833 |
| Average equity | $8,995,600 | 4,320 |
| Average total loans | $75,548,200 | 3,635 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4369% | 1,750 |
| Cost of funding earning assets | 0.4740% | 3,402 |
| Net interest margin | 3.9629% | 1,205 |
| Noninterest income to average assets | 0.4709% | 2,738 |
| Noninterest expense to average assets | 2.5984% | 2,530 |
| Loan and lease loss provision to assets | 0.0222% | 4,049 |
| Net operating income to assets | 1.6222% | 688 |
| Return on assets (ROA) | 1.6222% | 757 |
| Pretax return on assets | 1.6222% | 1,123 |
| Return on Equity (ROE) | 19.7093% | 249 |
| Retained earnings to average equity (ytd only) | 13.7186% | 268 |
| Net charge-offs to loans | -0.0018% | 3,873 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2435% | 3,187 |
| Assets per employee ($millions) | 4.9100% | 3,362 |
| Cash dividends to net income (ytd only)* | 30.3951% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,366 |
| Loan loss allowance to noncurrent loans | 4,305.0000% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,397 |
| Noncurrent loans to loans | 0.0248% | 4,311 |
| Net loans and leases to total assets | 67.6089% | 2,295 |
| Net loans and leases to deposits | 75.3112% | 2,816 |
| Net loans and leases to core deposits | 78.3100% | 2,980 |
| Total domestic deposits to total assets | 89.7727% | 510 |
| Equity capital to assets | 7.9641% | 4,724 |
| Core capital (leverage) ratio | 8.1033% | 4,608 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1332% | 1,785 |
| Memoranda: | ||
| Average total assets | $108,166,250 | 3,900 |
| Average earning assets | $102,951,250 | 3,858 |
| Average equity | $8,902,500 | 4,341 |
| Average total loans | $74,766,000 | 3,662 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4736% | 1,997 |
| Cost of funding earning assets | 0.5265% | 3,375 |
| Net interest margin | 3.9471% | 1,452 |
| Noninterest income to average assets | 0.5413% | 2,387 |
| Noninterest expense to average assets | 2.6548% | 2,504 |
| Loan and lease loss provision to assets | 0.0229% | 3,962 |
| Net operating income to assets | 1.6066% | 752 |
| Return on assets (ROA) | 1.6066% | 819 |
| Pretax return on assets | 1.6066% | 1,208 |
| Return on Equity (ROE) | 19.2869% | 280 |
| Retained earnings to average equity (ytd only) | 14.5968% | 243 |
| Net charge-offs to loans | 0.0027% | 2,898 |
| Credit loss provision to net charge-offs | 1,200.0000% | 698 |
| Earnings coverage of net charge-offs (x) | 855.0000% | 111 |
| Efficiency ratio | 61.9662% | 3,132 |
| Assets per employee ($millions) | 4.4712% | 3,825 |
| Cash dividends to net income (ytd only)* | 24.3179% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0967% | 3,082 |
| Loan loss allowance to noncurrent loans | 4,270.0000% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.6495% | 1,874 |
| Noncurrent loans to loans | 0.0257% | 4,381 |
| Net loans and leases to total assets | 68.8990% | 2,201 |
| Net loans and leases to deposits | 77.0399% | 2,755 |
| Net loans and leases to core deposits | 80.6129% | 2,904 |
| Total domestic deposits to total assets | 89.4329% | 602 |
| Equity capital to assets | 8.1517% | 4,650 |
| Core capital (leverage) ratio | 8.3213% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9435% | 1,840 |
| Memoranda: | ||
| Average total assets | $104,941,333 | 3,924 |
| Average earning assets | $99,516,667 | 3,887 |
| Average equity | $8,741,667 | 4,367 |
| Average total loans | $72,844,000 | 3,698 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6219% | 1,940 |
| Cost of funding earning assets | 0.5949% | 3,466 |
| Net interest margin | 4.0270% | 1,317 |
| Noninterest income to average assets | 0.5358% | 2,358 |
| Noninterest expense to average assets | 2.6517% | 2,833 |
| Loan and lease loss provision to assets | 0.0236% | 3,508 |
| Net operating income to assets | 1.6745% | 539 |
| Return on assets (ROA) | 1.6745% | 594 |
| Pretax return on assets | 1.6745% | 902 |
| Return on Equity (ROE) | 19.8679% | 170 |
| Retained earnings to average equity (ytd only) | 10.5183% | 638 |
| Net charge-offs to loans | 0.0057% | 2,367 |
| Credit loss provision to net charge-offs | 700.0000% | 723 |
| Earnings coverage of net charge-offs (x) | 431.0000% | 153 |
| Efficiency ratio | 60.9601% | 3,623 |
| Assets per employee ($millions) | 3.9498% | 3,996 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1771% | 2,790 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6875% | 1,943 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 69.4078% | 2,335 |
| Net loans and leases to deposits | 77.8716% | 2,900 |
| Net loans and leases to core deposits | 81.4040% | 3,074 |
| Total domestic deposits to total assets | 89.1310% | 614 |
| Equity capital to assets | 8.4336% | 4,860 |
| Core capital (leverage) ratio | 8.6109% | 4,729 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5428% | 1,750 |
| Memoranda: | ||
| Average total assets | $101,521,500 | 3,970 |
| Average earning assets | $96,150,000 | 3,924 |
| Average equity | $8,556,500 | 4,416 |
| Average total loans | $70,331,000 | 3,757 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7641% | 2,151 |
| Cost of funding earning assets | 0.6456% | 3,433 |
| Net interest margin | 4.1185% | 1,489 |
| Noninterest income to average assets | 0.5602% | 2,420 |
| Noninterest expense to average assets | 2.8427% | 2,470 |
| Loan and lease loss provision to assets | 0.0306% | 3,404 |
| Net operating income to assets | 1.5919% | 852 |
| Return on assets (ROA) | 1.5919% | 904 |
| Pretax return on assets | 1.5919% | 1,509 |
| Return on Equity (ROE) | 19.9129% | 218 |
| Retained earnings to average equity (ytd only) | 14.8168% | 98 |
| Net charge-offs to loans | 0.0073% | 3,413 |
| Credit loss provision to net charge-offs | 600.0000% | 512 |
| Earnings coverage of net charge-offs (x) | 318.6000% | 272 |
| Efficiency ratio | 63.6633% | 3,122 |
| Assets per employee ($millions) | 4.0139% | 3,886 |
| Cash dividends to net income (ytd only)* | 25.5918% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2286% | 2,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7036% | 1,840 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.4579% | 2,763 |
| Net loans and leases to deposits | 76.1860% | 3,161 |
| Net loans and leases to core deposits | 80.0407% | 3,290 |
| Total domestic deposits to total assets | 88.5438% | 863 |
| Equity capital to assets | 8.4228% | 4,942 |
| Core capital (leverage) ratio | 8.3510% | 4,927 |
| Tier 1 risk-based capital ratio | 13.8778% | 3,327 |
| Total risk-based capital ratio | 15.1297% | 3,235 |
| Memoranda: | ||
| Average total assets | $98,181,800 | 4,030 |
| Average earning assets | $93,091,400 | 3,994 |
| Average equity | $7,849,200 | 4,526 |
| Average total loans | $68,210,200 | 3,808 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 2,132 |
| Cost of funding earning assets | 0.6420% | 3,494 |
| Net interest margin | 4.1530% | 1,494 |
| Noninterest income to average assets | 0.5107% | 2,666 |
| Noninterest expense to average assets | 2.6614% | 2,975 |
| Loan and lease loss provision to assets | 0.0300% | 3,299 |
| Net operating income to assets | 1.7588% | 665 |
| Return on assets (ROA) | 1.7588% | 702 |
| Pretax return on assets | 1.7588% | 1,184 |
| Return on Equity (ROE) | 22.3068% | 149 |
| Retained earnings to average equity (ytd only) | 15.3792% | 128 |
| Net charge-offs to loans | 0.0020% | 3,377 |
| Credit loss provision to net charge-offs | 2,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 1,313.2481% | 61 |
| Efficiency ratio | 59.8036% | 3,681 |
| Assets per employee ($millions) | 3.9749% | 3,940 |
| Cash dividends to net income (ytd only)* | 31.0559% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2157% | 2,431 |
| Loan loss allowance to noncurrent loans | 328.2353% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 3,538 |
| Noncurrent loans to loans | 0.3704% | 3,228 |
| Net loans and leases to total assets | 68.4438% | 2,722 |
| Net loans and leases to deposits | 76.6856% | 3,231 |
| Net loans and leases to core deposits | 81.9317% | 3,252 |
| Total domestic deposits to total assets | 89.2525% | 538 |
| Equity capital to assets | 8.2236% | 5,085 |
| Core capital (leverage) ratio | 8.3208% | 5,023 |
| Tier 1 risk-based capital ratio | 13.4009% | 3,634 |
| Total risk-based capital ratio | 14.6521% | 3,531 |
| Memoranda: | ||
| Average total assets | $97,640,500 | 4,075 |
| Average earning assets | $92,622,250 | 4,041 |
| Average equity | $7,698,500 | 4,603 |
| Average total loans | $68,129,250 | 3,850 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7553% | 2,207 |
| Cost of funding earning assets | 0.6208% | 3,546 |
| Net interest margin | 4.1345% | 1,512 |
| Noninterest income to average assets | 0.5007% | 2,675 |
| Noninterest expense to average assets | 2.6910% | 2,937 |
| Loan and lease loss provision to assets | 0.0309% | 3,203 |
| Net operating income to assets | 1.6896% | 738 |
| Return on assets (ROA) | 1.6896% | 767 |
| Pretax return on assets | 1.6896% | 1,293 |
| Return on Equity (ROE) | 21.7487% | 173 |
| Retained earnings to average equity (ytd only) | 11.1396% | 529 |
| Net charge-offs to loans | -0.0029% | 4,026 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9995% | 3,578 |
| Assets per employee ($millions) | 3.9624% | 3,919 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2087% | 2,481 |
| Loan loss allowance to noncurrent loans | 326.2745% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2574% | 3,539 |
| Noncurrent loans to loans | 0.3704% | 3,198 |
| Net loans and leases to total assets | 68.6486% | 2,730 |
| Net loans and leases to deposits | 76.5173% | 3,287 |
| Net loans and leases to core deposits | 81.7828% | 3,281 |
| Total domestic deposits to total assets | 89.7164% | 410 |
| Equity capital to assets | 7.7730% | 5,211 |
| Core capital (leverage) ratio | 7.9552% | 5,178 |
| Tier 1 risk-based capital ratio | 12.4828% | 4,133 |
| Total risk-based capital ratio | 13.7338% | 4,022 |
| Memoranda: | ||
| Average total assets | $97,063,330 | 4,114 |
| Average earning assets | $91,813,670 | 4,079 |
| Average equity | $7,540,670 | 4,642 |
| Average total loans | $67,888,670 | 3,885 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6321% | 2,436 |
| Cost of funding earning assets | 0.6088% | 3,519 |
| Net interest margin | 4.0233% | 1,784 |
| Noninterest income to average assets | 0.4913% | 2,611 |
| Noninterest expense to average assets | 2.5108% | 3,477 |
| Loan and lease loss provision to assets | 0.0250% | 3,105 |
| Net operating income to assets | 1.7530% | 652 |
| Return on assets (ROA) | 1.7530% | 671 |
| Pretax return on assets | 1.7530% | 1,091 |
| Return on Equity (ROE) | 22.5707% | 159 |
| Retained earnings to average equity (ytd only) | 22.5707% | 66 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5437% | 4,007 |
| Assets per employee ($millions) | 4.0518% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,504 |
| Loan loss allowance to noncurrent loans | 924.7191% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.0915% | 4,357 |
| Noncurrent loans to loans | 0.1313% | 4,146 |
| Net loans and leases to total assets | 68.8690% | 2,641 |
| Net loans and leases to deposits | 76.8889% | 3,177 |
| Net loans and leases to core deposits | 82.2659% | 3,166 |
| Total domestic deposits to total assets | 89.5695% | 616 |
| Equity capital to assets | 7.8997% | 5,205 |
| Core capital (leverage) ratio | 8.1245% | 5,177 |
| Tier 1 risk-based capital ratio | 12.5293% | 4,151 |
| Total risk-based capital ratio | 13.7798% | 4,026 |
| Memoranda: | ||
| Average total assets | $96,064,500 | 4,167 |
| Average earning assets | $90,672,000 | 4,133 |
| Average equity | $7,461,000 | 4,686 |
| Average total loans | $67,415,000 | 3,937 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4709% | 2,548 |
| Cost of funding earning assets | 0.4442% | 3,715 |
| Net interest margin | 4.0267% | 1,903 |
| Noninterest income to average assets | 0.5533% | 2,531 |
| Noninterest expense to average assets | 2.9709% | 2,134 |
| Loan and lease loss provision to assets | 0.0231% | 3,709 |
| Net operating income to assets | 1.3683% | 1,539 |
| Return on assets (ROA) | 1.3683% | 1,529 |
| Pretax return on assets | 1.3683% | 2,245 |
| Return on Equity (ROE) | 18.3076% | 361 |
| Retained earnings to average equity (ytd only) | 12.4209% | 286 |
| Net charge-offs to loans | 0.0125% | 3,267 |
| Credit loss provision to net charge-offs | 262.5000% | 1,144 |
| Earnings coverage of net charge-offs (x) | 158.1250% | 545 |
| Efficiency ratio | 68.1039% | 2,526 |
| Assets per employee ($millions) | 3.7954% | 4,182 |
| Cash dividends to net income (ytd only)* | 32.1543% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2173% | 2,484 |
| Loan loss allowance to noncurrent loans | 81,600.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,931 |
| Noncurrent loans to loans | 0.0015% | 4,827 |
| Net loans and leases to total assets | 69.7897% | 2,595 |
| Net loans and leases to deposits | 77.7276% | 3,196 |
| Net loans and leases to core deposits | 82.7564% | 3,201 |
| Total domestic deposits to total assets | 89.7876% | 546 |
| Equity capital to assets | 7.6303% | 5,260 |
| Core capital (leverage) ratio | 7.6983% | 5,296 |
| Tier 1 risk-based capital ratio | 11.9294% | 4,474 |
| Total risk-based capital ratio | 13.1808% | 4,359 |
| Memoranda: | ||
| Average total assets | $90,914,000 | 4,255 |
| Average earning assets | $86,001,000 | 4,220 |
| Average equity | $6,795,000 | 4,775 |
| Average total loans | $63,781,600 | 4,008 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3808% | 2,687 |
| Cost of funding earning assets | 0.3978% | 3,874 |
| Net interest margin | 3.9830% | 2,002 |
| Noninterest income to average assets | 0.5412% | 2,613 |
| Noninterest expense to average assets | 2.7787% | 2,710 |
| Loan and lease loss provision to assets | 0.0237% | 3,551 |
| Net operating income to assets | 1.5094% | 1,171 |
| Return on assets (ROA) | 1.5094% | 1,168 |
| Pretax return on assets | 1.5094% | 1,868 |
| Return on Equity (ROE) | 20.3075% | 254 |
| Retained earnings to average equity (ytd only) | 12.3281% | 437 |
| Net charge-offs to loans | 0.0127% | 2,967 |
| Credit loss provision to net charge-offs | 266.6667% | 1,117 |
| Earnings coverage of net charge-offs (x) | 172.3288% | 486 |
| Efficiency ratio | 64.4429% | 3,113 |
| Assets per employee ($millions) | 3.9550% | 3,959 |
| Cash dividends to net income (ytd only)* | 39.2927% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,554 |
| 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 | 69.6921% | 2,695 |
| Net loans and leases to deposits | 77.4094% | 3,288 |
| Net loans and leases to core deposits | 82.6815% | 3,279 |
| Total domestic deposits to total assets | 90.0304% | 503 |
| Equity capital to assets | 7.3779% | 5,331 |
| Core capital (leverage) ratio | 7.6472% | 5,378 |
| Tier 1 risk-based capital ratio | 11.5975% | 4,735 |
| Total risk-based capital ratio | 12.8479% | 4,622 |
| Memoranda: | ||
| Average total assets | $89,921,250 | 4,310 |
| Average earning assets | $85,127,000 | 4,275 |
| Average equity | $6,683,750 | 4,850 |
| Average total loans | $62,968,000 | 4,069 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 2,675 |
| Cost of funding earning assets | 0.3774% | 3,890 |
| Net interest margin | 3.9494% | 2,033 |
| Noninterest income to average assets | 0.5099% | 2,806 |
| Noninterest expense to average assets | 2.7579% | 2,813 |
| Loan and lease loss provision to assets | 0.0249% | 3,420 |
| Net operating income to assets | 1.4503% | 1,280 |
| Return on assets (ROA) | 1.4503% | 1,282 |
| Pretax return on assets | 1.4503% | 1,986 |
| Return on Equity (ROE) | 19.4608% | 300 |
| Retained earnings to average equity (ytd only) | 7.2978% | 1,921 |
| Net charge-offs to loans | 0.0032% | 3,062 |
| Credit loss provision to net charge-offs | 1,100.0000% | 380 |
| Earnings coverage of net charge-offs (x) | 651.0000% | 130 |
| Efficiency ratio | 65.1499% | 3,136 |
| Assets per employee ($millions) | 3.8407% | 4,146 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,305 |
| Loan loss allowance to noncurrent loans | 990.2439% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.0890% | 4,572 |
| Noncurrent loans to loans | 0.1285% | 4,332 |
| Net loans and leases to total assets | 68.3413% | 2,821 |
| Net loans and leases to deposits | 74.5185% | 3,485 |
| Net loans and leases to core deposits | 79.6447% | 3,449 |
| Total domestic deposits to total assets | 91.7105% | 120 |
| Equity capital to assets | 7.1883% | 5,431 |
| Core capital (leverage) ratio | 7.5192% | 5,439 |
| Tier 1 risk-based capital ratio | 11.5644% | 4,758 |
| Total risk-based capital ratio | 12.8162% | 4,641 |
| Memoranda: | ||
| Average total assets | $88,255,330 | 4,378 |
| Average earning assets | $83,203,000 | 4,340 |
| Average equity | $6,577,330 | 4,910 |
| Average total loans | $61,636,330 | 4,124 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2362% | 2,762 |
| Cost of funding earning assets | 0.3785% | 3,747 |
| Net interest margin | 3.8577% | 2,204 |
| Noninterest income to average assets | 0.4728% | 2,981 |
| Noninterest expense to average assets | 2.6653% | 3,144 |
| Loan and lease loss provision to assets | 0.0278% | 3,151 |
| Net operating income to assets | 1.4648% | 1,165 |
| Return on assets (ROA) | 1.4648% | 1,164 |
| Pretax return on assets | 1.4648% | 1,786 |
| Return on Equity (ROE) | 19.2889% | 299 |
| Retained earnings to average equity (ytd only) | 19.2889% | 116 |
| Net charge-offs to loans | 0.0066% | 2,497 |
| Credit loss provision to net charge-offs | 600.0000% | 515 |
| Earnings coverage of net charge-offs (x) | 322.0000% | 208 |
| Efficiency ratio | 64.1026% | 3,469 |
| Assets per employee ($millions) | 3.7081% | 4,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 2,130 |
| Loan loss allowance to noncurrent loans | 1,008.7500% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0899% | 4,640 |
| Noncurrent loans to loans | 0.1312% | 4,377 |
| Net loans and leases to total assets | 67.5933% | 2,815 |
| Net loans and leases to deposits | 73.4517% | 3,470 |
| Net loans and leases to core deposits | 78.4737% | 3,453 |
| Total domestic deposits to total assets | 92.0242% | 104 |
| Equity capital to assets | 7.5342% | 5,406 |
| Core capital (leverage) ratio | 7.7802% | 5,453 |
| Tier 1 risk-based capital ratio | 12.4723% | 4,259 |
| Total risk-based capital ratio | 13.7260% | 4,158 |
| Memoranda: | ||
| Average total assets | $86,294,500 | 4,455 |
| Average earning assets | $82,432,500 | 4,402 |
| Average equity | $6,553,000 | 4,967 |
| Average total loans | $60,551,000 | 4,186 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4373% | 1,921 |
| Cost of funding earning assets | 0.3609% | 3,607 |
| Net interest margin | 4.0764% | 1,516 |
| Noninterest income to average assets | 0.5953% | 2,469 |
| Noninterest expense to average assets | 2.9107% | 2,417 |
| Loan and lease loss provision to assets | 0.0522% | 3,184 |
| Net operating income to assets | 1.4926% | 817 |
| Return on assets (ROA) | 1.4926% | 840 |
| Pretax return on assets | 1.4926% | 1,671 |
| Return on Equity (ROE) | 19.4828% | 211 |
| Retained earnings to average equity (ytd only) | 6.0184% | 1,533 |
| Net charge-offs to loans | 0.0034% | 3,986 |
| Credit loss provision to net charge-offs | 2,100.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 621.5000% | 138 |
| Efficiency ratio | 65.3278% | 3,380 |
| Assets per employee ($millions) | 4.1798% | 3,690 |
| Cash dividends to net income (ytd only)* | 69.1091% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 2,058 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.9839% | 2,375 |
| Net loans and leases to deposits | 77.2392% | 3,198 |
| Net loans and leases to core deposits | 83.8418% | 3,065 |
| Total domestic deposits to total assets | 91.9014% | 88 |
| Equity capital to assets | 7.6572% | 5,504 |
| Core capital (leverage) ratio | 7.7842% | 5,503 |
| Tier 1 risk-based capital ratio | 12.0771% | 4,481 |
| Total risk-based capital ratio | 13.3300% | 4,369 |
| Memoranda: | ||
| Average total assets | $80,462,800 | 4,584 |
| Average earning assets | $76,194,400 | 4,535 |
| Average equity | $6,164,400 | 5,077 |
| Average total loans | $59,298,200 | 4,216 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 1,757 |
| Cost of funding earning assets | 0.3467% | 3,705 |
| Net interest margin | 4.1138% | 1,357 |
| Noninterest income to average assets | 0.6141% | 2,397 |
| Noninterest expense to average assets | 2.7426% | 2,919 |
| Loan and lease loss provision to assets | 0.0536% | 3,028 |
| Net operating income to assets | 1.7101% | 569 |
| Return on assets (ROA) | 1.7101% | 580 |
| Pretax return on assets | 1.7101% | 1,097 |
| Return on Equity (ROE) | 22.3190% | 128 |
| Retained earnings to average equity (ytd only) | 4.8481% | 2,990 |
| Net charge-offs to loans | 0.0045% | 3,571 |
| Credit loss provision to net charge-offs | 1,600.0000% | 240 |
| Earnings coverage of net charge-offs (x) | 526.3296% | 194 |
| Efficiency ratio | 60.8615% | 4,065 |
| Assets per employee ($millions) | 4.0998% | 3,828 |
| Cash dividends to net income (ytd only)* | 78.2780% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 2,055 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 69.7725% | 2,597 |
| Net loans and leases to deposits | 75.9348% | 3,382 |
| Net loans and leases to core deposits | 82.5827% | 3,240 |
| Total domestic deposits to total assets | 91.8849% | 67 |
| Equity capital to assets | 7.6456% | 5,603 |
| Core capital (leverage) ratio | 7.8036% | 5,569 |
| Tier 1 risk-based capital ratio | 12.1986% | 4,499 |
| Total risk-based capital ratio | 13.4517% | 4,391 |
| Memoranda: | ||
| Average total assets | $79,679,750 | 4,640 |
| Average earning assets | $75,387,000 | 4,596 |
| Average equity | $6,105,250 | 5,147 |
| Average total loans | $59,087,500 | 4,267 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4892% | 1,544 |
| Cost of funding earning assets | 0.3310% | 3,781 |
| Net interest margin | 4.1583% | 1,177 |
| Noninterest income to average assets | 0.6007% | 2,452 |
| Noninterest expense to average assets | 2.7703% | 2,860 |
| Loan and lease loss provision to assets | 0.0532% | 2,914 |
| Net operating income to assets | 1.7261% | 532 |
| Return on assets (ROA) | 1.7261% | 538 |
| Pretax return on assets | 1.7261% | 999 |
| Return on Equity (ROE) | 22.5099% | 119 |
| Retained earnings to average equity (ytd only) | 2.6774% | 4,098 |
| Net charge-offs to loans | 0.0034% | 3,370 |
| Credit loss provision to net charge-offs | 2,100.0000% | 201 |
| Earnings coverage of net charge-offs (x) | 702.0000% | 111 |
| Efficiency ratio | 60.8914% | 4,182 |
| Assets per employee ($millions) | 3.9990% | 3,958 |
| Cash dividends to net income (ytd only)* | 88.1057% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 2,252 |
| Loan loss allowance to noncurrent loans | 942.1687% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 4,787 |
| Noncurrent loans to loans | 0.1417% | 4,554 |
| Net loans and leases to total assets | 72.2556% | 2,159 |
| Net loans and leases to deposits | 78.6355% | 3,053 |
| Net loans and leases to core deposits | 85.2259% | 2,952 |
| Total domestic deposits to total assets | 91.8867% | 83 |
| Equity capital to assets | 7.6594% | 5,628 |
| Core capital (leverage) ratio | 7.7861% | 5,593 |
| Tier 1 risk-based capital ratio | 11.9001% | 4,700 |
| Total risk-based capital ratio | 13.1541% | 4,593 |
| Memoranda: | ||
| Average total assets | $78,908,000 | 4,688 |
| Average earning assets | $74,934,670 | 4,636 |
| Average equity | $6,050,670 | 5,184 |
| Average total loans | $59,449,330 | 4,277 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 1,505 |
| Cost of funding earning assets | 0.3231% | 3,815 |
| Net interest margin | 4.1247% | 1,159 |
| Noninterest income to average assets | 0.6329% | 2,253 |
| Noninterest expense to average assets | 2.6948% | 3,161 |
| Loan and lease loss provision to assets | 0.0561% | 2,682 |
| Net operating income to assets | 1.7915% | 457 |
| Return on assets (ROA) | 1.7915% | 470 |
| Pretax return on assets | 1.7915% | 818 |
| Return on Equity (ROE) | 23.3494% | 114 |
| Retained earnings to average equity (ytd only) | -3.2596% | 5,274 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3258% | 4,557 |
| Assets per employee ($millions) | 3.9784% | 4,051 |
| Cash dividends to net income (ytd only)* | 113.9601% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3181% | 2,446 |
| Loan loss allowance to noncurrent loans | 3,680.9524% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 5,213 |
| Noncurrent loans to loans | 0.0358% | 5,058 |
| Net loans and leases to total assets | 72.7349% | 1,955 |
| Net loans and leases to deposits | 79.0205% | 2,861 |
| Net loans and leases to core deposits | 83.7974% | 2,921 |
| Total domestic deposits to total assets | 92.0457% | 100 |
| Equity capital to assets | 7.5320% | 5,673 |
| Core capital (leverage) ratio | 7.6425% | 5,672 |
| Tier 1 risk-based capital ratio | 11.5899% | 4,979 |
| Total risk-based capital ratio | 12.8435% | 4,875 |
| Memoranda: | ||
| Average total assets | $78,372,000 | 4,746 |
| Average earning assets | $74,285,000 | 4,696 |
| Average equity | $6,013,000 | 5,237 |
| Average total loans | $59,888,000 | 4,304 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 1,277 |
| Cost of funding earning assets | 0.3299% | 3,748 |
| Net interest margin | 4.2733% | 976 |
| Noninterest income to average assets | 0.6574% | 2,382 |
| Noninterest expense to average assets | 3.0653% | 2,126 |
| Loan and lease loss provision to assets | 0.0578% | 3,230 |
| Net operating income to assets | 1.5743% | 721 |
| Return on assets (ROA) | 1.5743% | 752 |
| Pretax return on assets | 1.5743% | 1,357 |
| Return on Equity (ROE) | 19.3298% | 246 |
| Retained earnings to average equity (ytd only) | 2.8227% | 3,891 |
| Net charge-offs to loans | 0.0763% | 2,608 |
| Credit loss provision to net charge-offs | 100.0000% | 2,563 |
| Earnings coverage of net charge-offs (x) | 28.2326% | 1,481 |
| Efficiency ratio | 65.2547% | 3,719 |
| Assets per employee ($millions) | 3.8589% | 4,212 |
| Cash dividends to net income (ytd only)* | 85.3971% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2465% | 2,841 |
| Loan loss allowance to noncurrent loans | 3,175.0000% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0311% | 5,245 |
| Noncurrent loans to loans | 0.0393% | 5,101 |
| Net loans and leases to total assets | 78.2202% | 1,172 |
| Net loans and leases to deposits | 85.2403% | 2,274 |
| Net loans and leases to core deposits | 90.1351% | 2,489 |
| Total domestic deposits to total assets | 91.7644% | 131 |
| Equity capital to assets | 7.8171% | 5,631 |
| Core capital (leverage) ratio | 7.8195% | 5,678 |
| Tier 1 risk-based capital ratio | 11.2843% | 5,177 |
| Total risk-based capital ratio | 12.5358% | 5,073 |
| Memoranda: | ||
| Average total assets | $74,380,400 | 4,841 |
| Average earning assets | $70,319,800 | 4,798 |
| Average equity | $6,058,000 | 5,268 |
| Average total loans | $56,340,000 | 4,401 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5752% | 1,346 |
| Cost of funding earning assets | 0.3301% | 3,778 |
| Net interest margin | 4.2451% | 1,035 |
| Noninterest income to average assets | 0.6804% | 2,262 |
| Noninterest expense to average assets | 2.9152% | 2,592 |
| Loan and lease loss provision to assets | 0.0579% | 3,088 |
| Net operating income to assets | 1.7100% | 580 |
| Return on assets (ROA) | 1.7100% | 615 |
| Pretax return on assets | 1.7100% | 1,089 |
| Return on Equity (ROE) | 20.7770% | 202 |
| Retained earnings to average equity (ytd only) | 11.9825% | 308 |
| Net charge-offs to loans | 0.1040% | 1,908 |
| Credit loss provision to net charge-offs | 74.4186% | 2,733 |
| Earnings coverage of net charge-offs (x) | 22.7216% | 1,740 |
| Efficiency ratio | 62.2488% | 4,179 |
| Assets per employee ($millions) | 3.6335% | 4,592 |
| Cash dividends to net income (ytd only)* | 42.3280% | 2,240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,483 |
| Loan loss allowance to noncurrent loans | 3,133.3333% | 217 |
| Noncurrent assets plus other real estate owned to assets | 0.0315% | 5,370 |
| Noncurrent loans to loans | 0.0428% | 5,189 |
| Net loans and leases to total assets | 72.5349% | 2,107 |
| Net loans and leases to deposits | 79.6062% | 3,011 |
| Net loans and leases to core deposits | 84.6336% | 3,065 |
| Total domestic deposits to total assets | 91.1171% | 167 |
| Equity capital to assets | 8.4504% | 5,554 |
| Core capital (leverage) ratio | 8.6168% | 5,243 |
| Tier 1 risk-based capital ratio | 13.1728% | 4,050 |
| Total risk-based capital ratio | 14.4259% | 3,954 |
| Memoranda: | ||
| Average total assets | $73,681,250 | 4,892 |
| Average earning assets | $69,473,750 | 4,857 |
| Average equity | $6,064,250 | 5,326 |
| Average total loans | $55,142,500 | 4,463 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6204% | 1,234 |
| Cost of funding earning assets | 0.3330% | 3,767 |
| Net interest margin | 4.2875% | 945 |
| Noninterest income to average assets | 0.6785% | 2,241 |
| Noninterest expense to average assets | 2.9915% | 2,379 |
| Loan and lease loss provision to assets | 0.0577% | 2,986 |
| Net operating income to assets | 1.6619% | 626 |
| Return on assets (ROA) | 1.6619% | 665 |
| Pretax return on assets | 1.6619% | 1,190 |
| Return on Equity (ROE) | 20.3830% | 228 |
| Retained earnings to average equity (ytd only) | 6.9066% | 1,653 |
| Net charge-offs to loans | 0.1496% | 1,431 |
| Credit loss provision to net charge-offs | 51.2195% | 2,657 |
| Earnings coverage of net charge-offs (x) | 15.2683% | 2,006 |
| Efficiency ratio | 63.4985% | 4,101 |
| Assets per employee ($millions) | 3.4922% | 4,761 |
| Cash dividends to net income (ytd only)* | 66.1157% | 1,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 2,598 |
| Loan loss allowance to noncurrent loans | 3,095.8333% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,965 |
| Noncurrent loans to loans | 0.0431% | 5,290 |
| Net loans and leases to total assets | 74.8923% | 1,673 |
| Net loans and leases to deposits | 82.0739% | 2,706 |
| Net loans and leases to core deposits | 87.4626% | 2,782 |
| Total domestic deposits to total assets | 91.2499% | 147 |
| Equity capital to assets | 8.3302% | 5,679 |
| Core capital (leverage) ratio | 8.3620% | 5,482 |
| Tier 1 risk-based capital ratio | 12.6025% | 4,445 |
| Total risk-based capital ratio | 13.8566% | 4,352 |
| Memoranda: | ||
| Average total assets | $72,807,000 | 4,963 |
| Average earning assets | $68,478,330 | 4,920 |
| Average equity | $5,936,330 | 5,398 |
| Average total loans | $54,823,670 | 4,509 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5950% | 1,279 |
| Cost of funding earning assets | 0.3399% | 3,717 |
| Net interest margin | 4.2551% | 987 |
| Noninterest income to average assets | 0.5735% | 2,662 |
| Noninterest expense to average assets | 2.8949% | 2,724 |
| Loan and lease loss provision to assets | 0.0607% | 2,734 |
| Net operating income to assets | 1.6211% | 674 |
| Return on assets (ROA) | 1.6211% | 716 |
| Pretax return on assets | 1.6211% | 1,246 |
| Return on Equity (ROE) | 20.1026% | 240 |
| Retained earnings to average equity (ytd only) | -7.2479% | 5,726 |
| Net charge-offs to loans | 0.1471% | 1,233 |
| Credit loss provision to net charge-offs | 55.0000% | 2,010 |
| Earnings coverage of net charge-offs (x) | 15.2500% | 1,666 |
| Efficiency ratio | 63.2530% | 4,267 |
| Assets per employee ($millions) | 3.1315% | 5,362 |
| Cash dividends to net income (ytd only)* | 136.0544% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3775% | 2,528 |
| Loan loss allowance to noncurrent loans | 2,510.0000% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.7595% | 2,803 |
| Noncurrent loans to loans | 0.0549% | 5,268 |
| Net loans and leases to total assets | 74.8532% | 1,586 |
| Net loans and leases to deposits | 81.7607% | 2,574 |
| Net loans and leases to core deposits | 87.2040% | 2,640 |
| Total domestic deposits to total assets | 91.5515% | 149 |
| Equity capital to assets | 8.0500% | 5,805 |
| Core capital (leverage) ratio | 7.9423% | 5,796 |
| Tier 1 risk-based capital ratio | 12.0903% | 4,861 |
| Total risk-based capital ratio | 13.3450% | 4,760 |
| Memoranda: | ||
| Average total assets | $72,542,500 | 5,010 |
| Average earning assets | $68,248,000 | 4,975 |
| Average equity | $5,850,000 | 5,445 |
| Average total loans | $54,402,500 | 4,540 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6161% | 1,291 |
| Cost of funding earning assets | 0.3591% | 3,598 |
| Net interest margin | 4.2571% | 1,049 |
| Noninterest income to average assets | 0.6035% | 2,699 |
| Noninterest expense to average assets | 3.0847% | 2,282 |
| Loan and lease loss provision to assets | 0.0559% | 3,192 |
| Net operating income to assets | 1.4879% | 887 |
| Return on assets (ROA) | 1.4879% | 916 |
| Pretax return on assets | 1.4879% | 1,595 |
| Return on Equity (ROE) | 18.1908% | 364 |
| Retained earnings to average equity (ytd only) | 1.1102% | 5,072 |
| Net charge-offs to loans | 0.0056% | 4,259 |
| Credit loss provision to net charge-offs | 1,333.3333% | 254 |
| Earnings coverage of net charge-offs (x) | 368.3333% | 183 |
| Efficiency ratio | 66.6465% | 3,803 |
| Assets per employee ($millions) | 3.3209% | 5,120 |
| Cash dividends to net income (ytd only)* | 93.8967% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 2,385 |
| Loan loss allowance to noncurrent loans | 1,313.7931% | 474 |
| Noncurrent assets plus other real estate owned to assets | 0.9171% | 2,375 |
| Noncurrent loans to loans | 0.1071% | 5,075 |
| Net loans and leases to total assets | 73.0591% | 1,879 |
| Net loans and leases to deposits | 80.6104% | 2,752 |
| Net loans and leases to core deposits | 85.9436% | 2,803 |
| Total domestic deposits to total assets | 90.6324% | 395 |
| Equity capital to assets | 8.0783% | 5,824 |
| Core capital (leverage) ratio | 8.0191% | 5,828 |
| Tier 1 risk-based capital ratio | 12.5212% | 4,618 |
| Total risk-based capital ratio | 13.7761% | 4,517 |
| Memoranda: | ||
| Average total assets | $71,578,000 | 5,053 |
| Average earning assets | $67,675,600 | 4,992 |
| Average equity | $5,854,600 | 5,466 |
| Average total loans | $53,906,800 | 4,560 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 1,345 |
| Cost of funding earning assets | 0.3655% | 3,597 |
| Net interest margin | 4.2284% | 1,109 |
| Noninterest income to average assets | 0.6198% | 2,634 |
| Noninterest expense to average assets | 2.8554% | 2,988 |
| Loan and lease loss provision to assets | 0.0562% | 3,068 |
| Net operating income to assets | 1.7151% | 603 |
| Return on assets (ROA) | 1.7151% | 631 |
| Pretax return on assets | 1.7151% | 1,064 |
| Return on Equity (ROE) | 20.9028% | 220 |
| Retained earnings to average equity (ytd only) | 2.6470% | 4,526 |
| Net charge-offs to loans | 0.0050% | 4,000 |
| Credit loss provision to net charge-offs | 1,500.0000% | 235 |
| Earnings coverage of net charge-offs (x) | 472.3970% | 153 |
| Efficiency ratio | 61.7159% | 4,614 |
| Assets per employee ($millions) | 3.3100% | 5,107 |
| Cash dividends to net income (ytd only)* | 87.3364% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,610 |
| Loan loss allowance to noncurrent loans | 161.9355% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8926% | 2,640 |
| Noncurrent loans to loans | 0.8634% | 2,820 |
| Net loans and leases to total assets | 72.9246% | 1,919 |
| Net loans and leases to deposits | 79.7774% | 2,908 |
| Net loans and leases to core deposits | 85.0505% | 2,948 |
| Total domestic deposits to total assets | 91.4102% | 171 |
| Equity capital to assets | 8.1792% | 5,885 |
| Core capital (leverage) ratio | 8.1325% | 5,822 |
| Tier 1 risk-based capital ratio | 12.7410% | 4,585 |
| Total risk-based capital ratio | 13.9965% | 4,488 |
| Memoranda: | ||
| Average total assets | $71,207,500 | 5,122 |
| Average earning assets | $67,478,750 | 5,058 |
| Average equity | $5,842,750 | 5,540 |
| Average total loans | $53,848,750 | 4,607 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 1,197 |
| Cost of funding earning assets | 0.3678% | 3,626 |
| Net interest margin | 4.2696% | 978 |
| Noninterest income to average assets | 0.6028% | 2,723 |
| Noninterest expense to average assets | 2.8527% | 3,059 |
| Loan and lease loss provision to assets | 0.0566% | 2,970 |
| Net operating income to assets | 1.7348% | 589 |
| Return on assets (ROA) | 1.7348% | 617 |
| Pretax return on assets | 1.7348% | 1,013 |
| Return on Equity (ROE) | 21.1197% | 228 |
| Retained earnings to average equity (ytd only) | 0.4479% | 5,368 |
| Net charge-offs to loans | 0.0074% | 3,639 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 316.5000% | 217 |
| Efficiency ratio | 61.4260% | 4,768 |
| Assets per employee ($millions) | 3.3775% | 5,028 |
| Cash dividends to net income (ytd only)* | 97.8793% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 2,710 |
| Loan loss allowance to noncurrent loans | 170.4128% | 2,545 |
| Noncurrent assets plus other real estate owned to assets | 0.8755% | 2,799 |
| Noncurrent loans to loans | 0.8272% | 3,056 |
| Net loans and leases to total assets | 73.2658% | 1,778 |
| Net loans and leases to deposits | 80.1883% | 2,762 |
| Net loans and leases to core deposits | 85.6324% | 2,804 |
| Total domestic deposits to total assets | 91.3673% | 220 |
| Equity capital to assets | 8.2478% | 5,858 |
| Core capital (leverage) ratio | 8.1691% | 5,814 |
| Tier 1 risk-based capital ratio | 12.7818% | 4,634 |
| Total risk-based capital ratio | 14.0370% | 4,545 |
| Memoranda: | ||
| Average total assets | $70,670,330 | 5,193 |
| Average earning assets | $66,892,000 | 5,137 |
| Average equity | $5,805,000 | 5,603 |
| Average total loans | $53,846,330 | 4,650 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 1,017 |
| Cost of funding earning assets | 0.3784% | 3,545 |
| Net interest margin | 4.3306% | 824 |
| Noninterest income to average assets | 0.6011% | 2,646 |
| Noninterest expense to average assets | 3.0223% | 2,508 |
| Loan and lease loss provision to assets | 0.0567% | 2,796 |
| Net operating income to assets | 1.6104% | 703 |
| Return on assets (ROA) | 1.6104% | 734 |
| Pretax return on assets | 1.6104% | 1,246 |
| Return on Equity (ROE) | 19.6455% | 280 |
| Retained earnings to average equity (ytd only) | -8.0242% | 6,080 |
| Net charge-offs to loans | -0.0147% | 4,901 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4498% | 4,408 |
| Assets per employee ($millions) | 3.2654% | 5,299 |
| Cash dividends to net income (ytd only)* | 140.8451% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3808% | 3,016 |
| Loan loss allowance to noncurrent loans | 2,541.3793% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.2979% | 4,781 |
| Noncurrent loans to loans | 0.0543% | 5,560 |
| Net loans and leases to total assets | 73.2746% | 1,601 |
| Net loans and leases to deposits | 79.9402% | 2,567 |
| Net loans and leases to core deposits | 85.2647% | 2,623 |
| Total domestic deposits to total assets | 91.6618% | 200 |
| Equity capital to assets | 7.9735% | 6,045 |
| Core capital (leverage) ratio | 8.0691% | 5,901 |
| Tier 1 risk-based capital ratio | 12.3755% | 4,990 |
| Total risk-based capital ratio | 13.6281% | 4,902 |
| Memoranda: | ||
| Average total assets | $70,541,500 | 5,245 |
| Average earning assets | $66,595,500 | 5,178 |
| Average equity | $5,782,500 | 5,662 |
| Average total loans | $54,415,000 | 4,656 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 822 |
| Cost of funding earning assets | 0.4371% | 3,309 |
| Net interest margin | 4.5336% | 702 |
| Noninterest income to average assets | 0.7136% | 2,241 |
| Noninterest expense to average assets | 3.3027% | 1,925 |
| Loan and lease loss provision to assets | 0.0605% | 3,319 |
| Net operating income to assets | 1.6322% | 665 |
| Return on assets (ROA) | 1.6322% | 693 |
| Pretax return on assets | 1.6322% | 1,147 |
| Return on Equity (ROE) | 19.3086% | 295 |
| Retained earnings to average equity (ytd only) | 1.8663% | 4,870 |
| Net charge-offs to loans | 0.0595% | 3,650 |
| Credit loss provision to net charge-offs | 128.1250% | 1,866 |
| Earnings coverage of net charge-offs (x) | 35.8750% | 1,179 |
| Efficiency ratio | 66.1157% | 4,226 |
| Assets per employee ($millions) | 2.8852% | 5,848 |
| Cash dividends to net income (ytd only)* | 90.3342% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 3,380 |
| Loan loss allowance to noncurrent loans | 96.7957% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 1.3488% | 2,079 |
| Noncurrent loans to loans | 1.3507% | 2,179 |
| Net loans and leases to total assets | 79.0368% | 882 |
| Net loans and leases to deposits | 86.6527% | 1,896 |
| Net loans and leases to core deposits | 92.6746% | 2,024 |
| Total domestic deposits to total assets | 91.2109% | 300 |
| Equity capital to assets | 8.4295% | 5,807 |
| Core capital (leverage) ratio | 8.4043% | 5,656 |
| Tier 1 risk-based capital ratio | 12.4376% | 5,072 |
| Total risk-based capital ratio | 13.6916% | 4,993 |
| Memoranda: | ||
| Average total assets | $67,824,200 | 5,350 |
| Average earning assets | $64,055,000 | 5,276 |
| Average equity | $5,733,200 | 5,685 |
| Average total loans | $53,749,600 | 4,701 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9664% | 815 |
| Cost of funding earning assets | 0.4479% | 3,273 |
| Net interest margin | 4.5185% | 709 |
| Noninterest income to average assets | 0.7549% | 2,073 |
| Noninterest expense to average assets | 3.1678% | 2,269 |
| Loan and lease loss provision to assets | 0.0613% | 3,133 |
| Net operating income to assets | 1.7924% | 520 |
| Return on assets (ROA) | 1.7924% | 531 |
| Pretax return on assets | 1.7924% | 908 |
| Return on Equity (ROE) | 21.1888% | 224 |
| Retained earnings to average equity (ytd only) | 2.4996% | 4,796 |
| Net charge-offs to loans | -0.0050% | 5,298 |
| Credit loss provision to net charge-offs | -1,550.0000% | 5,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0854% | 4,704 |
| Assets per employee ($millions) | 3.0026% | 5,717 |
| Cash dividends to net income (ytd only)* | 88.2031% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3839% | 3,254 |
| Loan loss allowance to noncurrent loans | 227.6596% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 4,466 |
| Noncurrent loans to loans | 0.6079% | 4,107 |
| Net loans and leases to total assets | 77.2861% | 1,055 |
| Net loans and leases to deposits | 84.7729% | 2,062 |
| Net loans and leases to core deposits | 90.2623% | 2,197 |
| Total domestic deposits to total assets | 91.1684% | 317 |
| Equity capital to assets | 8.4507% | 5,833 |
| Core capital (leverage) ratio | 8.4751% | 5,679 |
| Tier 1 risk-based capital ratio | 12.7308% | 5,024 |
| Total risk-based capital ratio | 13.9860% | 4,927 |
| Memoranda: | ||
| Average total assets | $67,469,000 | 5,416 |
| Average earning assets | $63,706,750 | 5,348 |
| Average equity | $5,707,250 | 5,744 |
| Average total loans | $53,323,500 | 4,759 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9826% | 772 |
| Cost of funding earning assets | 0.4564% | 3,249 |
| Net interest margin | 4.5262% | 668 |
| Noninterest income to average assets | 0.7350% | 2,112 |
| Noninterest expense to average assets | 3.1671% | 2,288 |
| Loan and lease loss provision to assets | 0.0627% | 3,015 |
| Net operating income to assets | 1.7718% | 512 |
| Return on assets (ROA) | 1.7718% | 538 |
| Pretax return on assets | 1.7718% | 894 |
| Return on Equity (ROE) | 20.9380% | 245 |
| Retained earnings to average equity (ytd only) | -0.2472% | 5,724 |
| Net charge-offs to loans | -0.0038% | 5,136 |
| Credit loss provision to net charge-offs | -2,100.0000% | 5,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3214% | 4,798 |
| Assets per employee ($millions) | 2.8169% | 6,008 |
| Cash dividends to net income (ytd only)* | 101.1804% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 3,405 |
| Loan loss allowance to noncurrent loans | 2,306.2500% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 6,055 |
| Noncurrent loans to loans | 0.0603% | 5,851 |
| Net loans and leases to total assets | 77.4277% | 989 |
| Net loans and leases to deposits | 84.9343% | 1,939 |
| Net loans and leases to core deposits | 90.5482% | 2,073 |
| Total domestic deposits to total assets | 91.1619% | 360 |
| Equity capital to assets | 8.4639% | 5,826 |
| Core capital (leverage) ratio | 8.4681% | 5,662 |
| Tier 1 risk-based capital ratio | 12.6833% | 5,096 |
| Total risk-based capital ratio | 13.9387% | 5,035 |
| Memoranda: | ||
| Average total assets | $66,939,000 | 5,477 |
| Average earning assets | $63,099,330 | 5,419 |
| Average equity | $5,664,330 | 5,787 |
| Average total loans | $53,057,330 | 4,790 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9832% | 743 |
| Cost of funding earning assets | 0.4773% | 3,146 |
| Net interest margin | 4.5059% | 651 |
| Noninterest income to average assets | 0.6546% | 2,436 |
| Noninterest expense to average assets | 3.4471% | 1,595 |
| Loan and lease loss provision to assets | 0.0601% | 2,905 |
| Net operating income to assets | 1.3993% | 986 |
| Return on assets (ROA) | 1.3993% | 1,033 |
| Pretax return on assets | 1.3993% | 1,751 |
| Return on Equity (ROE) | 16.5380% | 584 |
| Retained earnings to average equity (ytd only) | -11.8534% | 6,415 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2570% | 3,791 |
| Assets per employee ($millions) | 2.9154% | 5,959 |
| Cash dividends to net income (ytd only)* | 171.6738% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 3,780 |
| Loan loss allowance to noncurrent loans | 2,200.0000% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 6,129 |
| Noncurrent loans to loans | 0.0619% | 5,965 |
| Net loans and leases to total assets | 78.3939% | 720 |
| Net loans and leases to deposits | 85.8027% | 1,626 |
| Net loans and leases to core deposits | 91.4988% | 1,780 |
| Total domestic deposits to total assets | 91.3653% | 430 |
| Equity capital to assets | 8.2857% | 5,836 |
| Core capital (leverage) ratio | 8.3672% | 5,786 |
| Tier 1 risk-based capital ratio | 12.4731% | 5,331 |
| Total risk-based capital ratio | 13.7276% | 5,264 |
| Memoranda: | ||
| Average total assets | $66,606,000 | 5,543 |
| Average earning assets | $62,851,500 | 5,477 |
| Average equity | $5,635,500 | 5,834 |
| Average total loans | $53,044,500 | 4,824 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 958 |
| Cost of funding earning assets | 0.5364% | 3,237 |
| Net interest margin | 4.4407% | 839 |
| Noninterest income to average assets | 0.5619% | 3,318 |
| Noninterest expense to average assets | 3.1538% | 2,571 |
| Loan and lease loss provision to assets | 0.0956% | 3,210 |
| Net operating income to assets | 1.4533% | 909 |
| Return on assets (ROA) | 1.4533% | 951 |
| Pretax return on assets | 1.4533% | 1,607 |
| Return on Equity (ROE) | 17.3078% | 477 |
| Retained earnings to average equity (ytd only) | -0.2102% | 5,919 |
| Net charge-offs to loans | 0.0194% | 5,052 |
| Credit loss provision to net charge-offs | 650.0000% | 363 |
| Earnings coverage of net charge-offs (x) | 105.3000% | 445 |
| Efficiency ratio | 67.0629% | 4,361 |
| Assets per employee ($millions) | 2.8764% | 6,010 |
| Cash dividends to net income (ytd only)* | 101.2146% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3562% | 3,863 |
| Loan loss allowance to noncurrent loans | 2,105.8824% | 287 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 6,221 |
| Noncurrent loans to loans | 0.0644% | 6,028 |
| Net loans and leases to total assets | 78.7218% | 741 |
| Net loans and leases to deposits | 86.4829% | 1,627 |
| Net loans and leases to core deposits | 91.6627% | 1,826 |
| Total domestic deposits to total assets | 91.0259% | 555 |
| Equity capital to assets | 8.6385% | 5,439 |
| Core capital (leverage) ratio | 8.5936% | 5,553 |
| Tier 1 risk-based capital ratio | 12.9174% | 5,038 |
| Total risk-based capital ratio | 14.1719% | 4,981 |
| Memoranda: | ||
| Average total assets | $67,981,800 | 5,540 |
| Average earning assets | $63,390,200 | 5,488 |
| Average equity | $5,708,400 | 5,877 |
| Average total loans | $51,606,400 | 4,909 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9579% | 1,016 |
| Cost of funding earning assets | 0.5481% | 3,280 |
| Net interest margin | 4.4098% | 872 |
| Noninterest income to average assets | 0.5280% | 3,607 |
| Noninterest expense to average assets | 2.9028% | 3,298 |
| Loan and lease loss provision to assets | 0.0935% | 3,208 |
| Net operating income to assets | 1.6384% | 702 |
| Return on assets (ROA) | 1.6384% | 743 |
| Pretax return on assets | 1.6384% | 1,249 |
| Return on Equity (ROE) | 19.6488% | 326 |
| Retained earnings to average equity (ytd only) | 0.9580% | 5,597 |
| Net charge-offs to loans | 0.0208% | 4,716 |
| Credit loss provision to net charge-offs | 600.0000% | 469 |
| Earnings coverage of net charge-offs (x) | 111.0872% | 458 |
| Efficiency ratio | 62.6314% | 5,044 |
| Assets per employee ($millions) | 2.8308% | 6,105 |
| Cash dividends to net income (ytd only)* | 95.1245% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 4,063 |
| Loan loss allowance to noncurrent loans | 1,947.2222% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 6,299 |
| Noncurrent loans to loans | 0.0700% | 6,130 |
| Net loans and leases to total assets | 74.6475% | 1,180 |
| Net loans and leases to deposits | 83.2346% | 1,970 |
| Net loans and leases to core deposits | 88.7788% | 2,103 |
| Total domestic deposits to total assets | 89.6832% | 1,177 |
| Equity capital to assets | 8.4975% | 5,739 |
| Core capital (leverage) ratio | 8.6000% | 5,660 |
| Tier 1 risk-based capital ratio | 13.3796% | 4,852 |
| Total risk-based capital ratio | 14.6347% | 4,785 |
| Memoranda: | ||
| Average total assets | $68,438,000 | 5,580 |
| Average earning assets | $63,735,250 | 5,533 |
| Average equity | $5,706,750 | 5,945 |
| Average total loans | $51,309,000 | 4,959 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9612% | 976 |
| Cost of funding earning assets | 0.5610% | 3,298 |
| Net interest margin | 4.4002% | 846 |
| Noninterest income to average assets | 0.4081% | 4,464 |
| Noninterest expense to average assets | 2.8278% | 3,582 |
| Loan and lease loss provision to assets | 0.0933% | 3,227 |
| Net operating income to assets | 1.5801% | 771 |
| Return on assets (ROA) | 1.5801% | 842 |
| Pretax return on assets | 1.5801% | 1,423 |
| Return on Equity (ROE) | 19.0688% | 377 |
| Retained earnings to average equity (ytd only) | -2.0406% | 6,194 |
| Net charge-offs to loans | 0.0078% | 4,734 |
| Credit loss provision to net charge-offs | 1,600.0000% | 199 |
| Earnings coverage of net charge-offs (x) | 287.0000% | 177 |
| Efficiency ratio | 62.8238% | 5,044 |
| Assets per employee ($millions) | 2.8318% | 6,115 |
| Cash dividends to net income (ytd only)* | 110.7011% | 425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 4,232 |
| Loan loss allowance to noncurrent loans | 1,645.2381% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.0618% | 6,313 |
| Noncurrent loans to loans | 0.0825% | 6,147 |
| Net loans and leases to total assets | 73.9240% | 1,261 |
| Net loans and leases to deposits | 81.0993% | 2,166 |
| Net loans and leases to core deposits | 86.4287% | 2,295 |
| Total domestic deposits to total assets | 91.1525% | 494 |
| Equity capital to assets | 8.3354% | 5,937 |
| Core capital (leverage) ratio | 8.3766% | 5,795 |
| Tier 1 risk-based capital ratio | 13.0981% | 5,075 |
| Total risk-based capital ratio | 14.3526% | 5,013 |
| Memoranda: | ||
| Average total assets | $68,604,670 | 5,616 |
| Average earning assets | $63,815,000 | 5,567 |
| Average equity | $5,684,670 | 5,999 |
| Average total loans | $51,273,670 | 4,973 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0000% | 885 |
| Cost of funding earning assets | 0.5882% | 3,229 |
| Net interest margin | 4.4117% | 789 |
| Noninterest income to average assets | 0.4875% | 3,864 |
| Noninterest expense to average assets | 2.9481% | 3,166 |
| Loan and lease loss provision to assets | 0.0929% | 3,111 |
| Net operating income to assets | 1.5379% | 789 |
| Return on assets (ROA) | 1.5379% | 864 |
| Pretax return on assets | 1.5379% | 1,461 |
| Return on Equity (ROE) | 18.6145% | 393 |
| Retained earnings to average equity (ytd only) | -9.4828% | 6,592 |
| Net charge-offs to loans | 0.0078% | 3,997 |
| Credit loss provision to net charge-offs | 1,600.0000% | 198 |
| Earnings coverage of net charge-offs (x) | 281.0000% | 129 |
| Efficiency ratio | 64.3853% | 4,944 |
| Assets per employee ($millions) | 2.9780% | 6,027 |
| Cash dividends to net income (ytd only)* | 150.9434% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3274% | 4,569 |
| Loan loss allowance to noncurrent loans | 1,733.3333% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 5,958 |
| Noncurrent loans to loans | 0.0766% | 6,254 |
| Net loans and leases to total assets | 73.3641% | 1,158 |
| Net loans and leases to deposits | 80.1653% | 2,053 |
| Net loans and leases to core deposits | 85.8036% | 2,125 |
| Total domestic deposits to total assets | 91.5160% | 350 |
| Equity capital to assets | 8.2153% | 6,237 |
| Core capital (leverage) ratio | 8.1830% | 5,947 |
| Tier 1 risk-based capital ratio | 12.9997% | 5,214 |
| Total risk-based capital ratio | 14.2572% | 5,160 |
| Memoranda: | ||
| Average total assets | $68,925,500 | 5,662 |
| Average earning assets | $63,920,500 | 5,618 |
| Average equity | $5,694,500 | 6,049 |
| Average total loans | $51,444,500 | 5,009 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4239% | 729 |
| Cost of funding earning assets | 0.7514% | 3,081 |
| Net interest margin | 4.6725% | 684 |
| Noninterest income to average assets | 0.5910% | 3,328 |
| Noninterest expense to average assets | 2.9980% | 3,284 |
| Loan and lease loss provision to assets | 0.0946% | 4,486 |
| Net operating income to assets | 1.7436% | 562 |
| Return on assets (ROA) | 1.7436% | 628 |
| Pretax return on assets | 1.7436% | 1,035 |
| Return on Equity (ROE) | 20.8635% | 267 |
| Retained earnings to average equity (ytd only) | 3.1826% | 3,988 |
| Net charge-offs to loans | 0.1144% | 4,536 |
| Credit loss provision to net charge-offs | 108.4746% | 2,715 |
| Earnings coverage of net charge-offs (x) | 21.0847% | 1,316 |
| Efficiency ratio | 61.9921% | 5,239 |
| Assets per employee ($millions) | 3.0155% | 5,989 |
| Cash dividends to net income (ytd only)* | 84.7458% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2721% | 4,769 |
| Loan loss allowance to noncurrent loans | 1,739.4737% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 6,061 |
| Noncurrent loans to loans | 0.0731% | 6,302 |
| Net loans and leases to total assets | 73.9680% | 1,198 |
| Net loans and leases to deposits | 80.9129% | 2,155 |
| Net loans and leases to core deposits | 86.1509% | 2,301 |
| Total domestic deposits to total assets | 91.4169% | 361 |
| Equity capital to assets | 8.3077% | 6,194 |
| Core capital (leverage) ratio | 8.5261% | 5,573 |
| Tier 1 risk-based capital ratio | 12.8655% | 5,205 |
| Total risk-based capital ratio | 14.1188% | 5,140 |
| Memoranda: | ||
| Average total assets | $67,677,400 | 5,688 |
| Average earning assets | $61,487,600 | 5,689 |
| Average equity | $5,655,800 | 6,114 |
| Average total loans | $51,578,600 | 5,039 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4352% | 774 |
| Cost of funding earning assets | 0.7818% | 3,096 |
| Net interest margin | 4.6534% | 740 |
| Noninterest income to average assets | 0.5987% | 3,283 |
| Noninterest expense to average assets | 2.8725% | 3,697 |
| Loan and lease loss provision to assets | 0.0952% | 4,387 |
| Net operating income to assets | 1.8555% | 512 |
| Return on assets (ROA) | 1.8555% | 583 |
| Pretax return on assets | 1.8555% | 952 |
| Return on Equity (ROE) | 22.1694% | 230 |
| Retained earnings to average equity (ytd only) | 3.2212% | 4,600 |
| Net charge-offs to loans | 0.1140% | 4,246 |
| Credit loss provision to net charge-offs | 109.0909% | 2,690 |
| Earnings coverage of net charge-offs (x) | 22.3619% | 1,357 |
| Efficiency ratio | 59.5561% | 5,568 |
| Assets per employee ($millions) | 3.1534% | 5,726 |
| Cash dividends to net income (ytd only)* | 85.4700% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 4,920 |
| Loan loss allowance to noncurrent loans | 1,294.1176% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 6,134 |
| Noncurrent loans to loans | 0.0986% | 6,368 |
| Net loans and leases to total assets | 77.1284% | 839 |
| Net loans and leases to deposits | 84.6807% | 1,781 |
| Net loans and leases to core deposits | 90.4208% | 1,933 |
| Total domestic deposits to total assets | 91.0815% | 395 |
| Equity capital to assets | 8.6391% | 6,148 |
| Core capital (leverage) ratio | 8.4841% | 5,772 |
| Tier 1 risk-based capital ratio | 12.8649% | 5,360 |
| Total risk-based capital ratio | 14.1166% | 5,321 |
| Memoranda: | ||
| Average total assets | $67,257,500 | 5,766 |
| Average earning assets | $61,057,500 | 5,765 |
| Average equity | $5,629,250 | 6,186 |
| Average total loans | $51,482,500 | 5,102 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 882 |
| Cost of funding earning assets | 0.8027% | 3,168 |
| Net interest margin | 4.5880% | 853 |
| Noninterest income to average assets | 0.5562% | 3,545 |
| Noninterest expense to average assets | 2.8165% | 3,950 |
| Loan and lease loss provision to assets | 0.0947% | 4,367 |
| Net operating income to assets | 1.8047% | 559 |
| Return on assets (ROA) | 1.8047% | 626 |
| Pretax return on assets | 1.8047% | 1,034 |
| Return on Equity (ROE) | 21.7909% | 257 |
| Retained earnings to average equity (ytd only) | 0.3572% | 5,926 |
| Net charge-offs to loans | 0.1634% | 3,628 |
| Credit loss provision to net charge-offs | 76.1905% | 3,429 |
| Earnings coverage of net charge-offs (x) | 15.2857% | 1,652 |
| Efficiency ratio | 59.7240% | 5,622 |
| Assets per employee ($millions) | 3.1028% | 5,846 |
| Cash dividends to net income (ytd only)* | 98.3607% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 6,422 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 75.6743% | 1,005 |
| Net loans and leases to deposits | 86.0919% | 1,585 |
| Net loans and leases to core deposits | 92.4079% | 1,745 |
| Total domestic deposits to total assets | 87.8994% | 2,212 |
| Equity capital to assets | 8.1906% | 6,462 |
| Core capital (leverage) ratio | 8.2060% | 6,041 |
| Tier 1 risk-based capital ratio | 12.6076% | 5,490 |
| Total risk-based capital ratio | 13.8597% | 5,470 |
| Memoranda: | ||
| Average total assets | $67,602,670 | 5,791 |
| Average earning assets | $61,290,330 | 5,791 |
| Average equity | $5,598,670 | 6,216 |
| Average total loans | $51,398,000 | 5,131 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3980% | 915 |
| Cost of funding earning assets | 0.8254% | 3,274 |
| Net interest margin | 4.5726% | 864 |
| Noninterest income to average assets | 0.5292% | 3,705 |
| Noninterest expense to average assets | 3.0681% | 3,031 |
| Loan and lease loss provision to assets | 0.0951% | 4,162 |
| Net operating income to assets | 1.5162% | 991 |
| Return on assets (ROA) | 1.5162% | 1,116 |
| Pretax return on assets | 1.5162% | 1,830 |
| Return on Equity (ROE) | 18.2062% | 527 |
| Retained earnings to average equity (ytd only) | 3.9268% | 4,232 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5654% | 4,642 |
| Assets per employee ($millions) | 3.0291% | 6,102 |
| Cash dividends to net income (ytd only)* | 78.4314% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2943% | 5,049 |
| Loan loss allowance to noncurrent loans | 13,440.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 6,920 |
| Noncurrent loans to loans | 0.0096% | 6,766 |
| Net loans and leases to total assets | 73.5593% | 1,133 |
| Net loans and leases to deposits | 82.8130% | 1,816 |
| Net loans and leases to core deposits | 88.4501% | 2,000 |
| Total domestic deposits to total assets | 88.8257% | 1,801 |
| Equity capital to assets | 8.0811% | 6,461 |
| Core capital (leverage) ratio | 8.3588% | 5,796 |
| Tier 1 risk-based capital ratio | 12.4942% | 5,606 |
| Total risk-based capital ratio | 13.7474% | 5,570 |
| Memoranda: | ||
| Average total assets | $67,273,500 | 5,849 |
| Average earning assets | $61,060,000 | 5,840 |
| Average equity | $5,602,500 | 6,248 |
| Average total loans | $50,946,000 | 5,191 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5782% | 995 |
| Cost of funding earning assets | 0.9850% | 3,478 |
| Net interest margin | 4.5932% | 937 |
| Noninterest income to average assets | 0.6633% | 2,819 |
| Noninterest expense to average assets | 3.1076% | 3,169 |
| Loan and lease loss provision to assets | 0.0930% | 5,434 |
| Net operating income to assets | 1.6224% | 637 |
| Return on assets (ROA) | 1.6224% | 692 |
| Pretax return on assets | 1.6224% | 1,155 |
| Return on Equity (ROE) | 19.6151% | 279 |
| Retained earnings to average equity (ytd only) | 4.8669% | 2,734 |
| Net charge-offs to loans | 0.0139% | 6,240 |
| Credit loss provision to net charge-offs | 871.4286% | 257 |
| Earnings coverage of net charge-offs (x) | 160.7143% | 211 |
| Efficiency ratio | 64.4325% | 5,050 |
| Assets per employee ($millions) | 2.8208% | 6,428 |
| Cash dividends to net income (ytd only)* | 75.1880% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,847 |
| Loan loss allowance to noncurrent loans | 10,933.3333% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 6,967 |
| Noncurrent loans to loans | 0.0120% | 6,816 |
| Net loans and leases to total assets | 76.0134% | 950 |
| Net loans and leases to deposits | 83.3562% | 2,016 |
| Net loans and leases to core deposits | 89.2856% | 2,221 |
| Total domestic deposits to total assets | 91.1912% | 432 |
| Equity capital to assets | 8.5931% | 6,021 |
| Core capital (leverage) ratio | 8.6110% | 5,374 |
| Tier 1 risk-based capital ratio | 12.8319% | 5,213 |
| Total risk-based capital ratio | 14.0878% | 5,185 |
| Memoranda: | ||
| Average total assets | $65,581,600 | 5,878 |
| Average earning assets | $59,391,800 | 5,882 |
| Average equity | $5,424,400 | 6,316 |
| Average total loans | $50,226,600 | 5,256 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6228% | 988 |
| Cost of funding earning assets | 1.0287% | 3,476 |
| Net interest margin | 4.5942% | 959 |
| Noninterest income to average assets | 0.6509% | 2,874 |
| Noninterest expense to average assets | 3.0272% | 3,452 |
| Loan and lease loss provision to assets | 0.1014% | 5,179 |
| Net operating income to assets | 1.6606% | 694 |
| Return on assets (ROA) | 1.6606% | 754 |
| Pretax return on assets | 1.6606% | 1,228 |
| Return on Equity (ROE) | 20.2714% | 289 |
| Retained earnings to average equity (ytd only) | 0.4702% | 5,810 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2091% | 5,196 |
| Assets per employee ($millions) | 2.7101% | 6,637 |
| Cash dividends to net income (ytd only)* | 97.6803% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,836 |
| Loan loss allowance to noncurrent loans | 3,835.2941% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 6,851 |
| Noncurrent loans to loans | 0.0349% | 6,854 |
| Net loans and leases to total assets | 73.9695% | 1,327 |
| Net loans and leases to deposits | 80.8048% | 2,554 |
| Net loans and leases to core deposits | 86.4935% | 2,709 |
| Total domestic deposits to total assets | 91.5410% | 284 |
| Equity capital to assets | 8.2038% | 6,556 |
| Core capital (leverage) ratio | 8.3086% | 5,963 |
| Tier 1 risk-based capital ratio | 12.5918% | 5,409 |
| Total risk-based capital ratio | 13.8456% | 5,390 |
| Memoranda: | ||
| Average total assets | $65,757,500 | 5,923 |
| Average earning assets | $59,233,250 | 5,933 |
| Average equity | $5,386,750 | 6,372 |
| Average total loans | $50,290,250 | 5,299 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5921% | 1,086 |
| Cost of funding earning assets | 1.0523% | 3,585 |
| Net interest margin | 4.5398% | 1,035 |
| Noninterest income to average assets | 0.5637% | 3,376 |
| Noninterest expense to average assets | 3.0487% | 3,438 |
| Loan and lease loss provision to assets | 0.1212% | 4,763 |
| Net operating income to assets | 1.5122% | 864 |
| Return on assets (ROA) | 1.5122% | 925 |
| Pretax return on assets | 1.5122% | 1,497 |
| Return on Equity (ROE) | 18.4689% | 424 |
| Retained earnings to average equity (ytd only) | 11.0666% | 656 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1133% | 5,039 |
| Assets per employee ($millions) | 2.6614% | 6,695 |
| Cash dividends to net income (ytd only)* | 40.0802% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2544% | 5,284 |
| Loan loss allowance to noncurrent loans | 4,012.5000% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 6,897 |
| Noncurrent loans to loans | 0.0313% | 6,904 |
| Net loans and leases to total assets | 79.1183% | 634 |
| Net loans and leases to deposits | 86.9571% | 1,654 |
| Net loans and leases to core deposits | 93.6441% | 1,944 |
| Total domestic deposits to total assets | 90.9854% | 507 |
| Equity capital to assets | 8.7751% | 5,847 |
| Core capital (leverage) ratio | 8.7932% | 5,060 |
| Tier 1 risk-based capital ratio | 12.2123% | 5,603 |
| Total risk-based capital ratio | 13.4635% | 5,583 |
| Memoranda: | ||
| Average total assets | $65,995,670 | 5,960 |
| Average earning assets | $59,870,670 | 5,962 |
| Average equity | $5,403,670 | 6,404 |
| Average total loans | $50,799,000 | 5,325 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5201% | 1,243 |
| Cost of funding earning assets | 1.0909% | 3,585 |
| Net interest margin | 4.4292% | 1,221 |
| Noninterest income to average assets | 0.5369% | 3,603 |
| Noninterest expense to average assets | 3.1675% | 2,999 |
| Loan and lease loss provision to assets | 0.1551% | 4,086 |
| Net operating income to assets | 1.2348% | 1,441 |
| Return on assets (ROA) | 1.2348% | 1,495 |
| Pretax return on assets | 1.2348% | 2,248 |
| Return on Equity (ROE) | 15.6138% | 723 |
| Retained earnings to average equity (ytd only) | 0.5280% | 5,614 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5026% | 4,376 |
| Assets per employee ($millions) | 2.7209% | 6,671 |
| Cash dividends to net income (ytd only)* | 96.6184% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 5,330 |
| Loan loss allowance to noncurrent loans | 3,694.1176% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0847% | 6,954 |
| Noncurrent loans to loans | 0.0342% | 6,968 |
| Net loans and leases to total assets | 78.5142% | 676 |
| Net loans and leases to deposits | 85.9875% | 1,731 |
| Net loans and leases to core deposits | 92.2602% | 2,096 |
| Total domestic deposits to total assets | 91.3089% | 481 |
| Equity capital to assets | 8.4738% | 5,949 |
| Core capital (leverage) ratio | 7.7750% | 6,484 |
| Tier 1 risk-based capital ratio | 12.1420% | 5,560 |
| Total risk-based capital ratio | 13.3952% | 5,552 |
| Memoranda: | ||
| Average total assets | $67,056,500 | 5,965 |
| Average earning assets | $60,869,000 | 5,970 |
| Average equity | $5,303,000 | 6,455 |
| Average total loans | $50,609,500 | 5,376 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5970% | 1,899 |
| Cost of funding earning assets | 1.2326% | 4,339 |
| Net interest margin | 4.3644% | 1,602 |
| Noninterest income to average assets | 0.6374% | 3,230 |
| Noninterest expense to average assets | 3.0189% | 3,776 |
| Loan and lease loss provision to assets | 0.1859% | 5,371 |
| Net operating income to assets | 1.4136% | 916 |
| Return on assets (ROA) | 1.4136% | 989 |
| Pretax return on assets | 1.4136% | 1,625 |
| Return on Equity (ROE) | 18.4792% | 346 |
| Retained earnings to average equity (ytd only) | 3.0477% | 3,719 |
| Net charge-offs to loans | 0.1077% | 5,796 |
| Credit loss provision to net charge-offs | 237.7358% | 1,224 |
| Earnings coverage of net charge-offs (x) | 20.4528% | 1,002 |
| Efficiency ratio | 65.3674% | 5,092 |
| Assets per employee ($millions) | 3.1101% | 5,860 |
| Cash dividends to net income (ytd only)* | 83.5073% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 5,643 |
| Loan loss allowance to noncurrent loans | 6,688.8889% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 7,070 |
| Noncurrent loans to loans | 0.0175% | 7,103 |
| Net loans and leases to total assets | 71.0927% | 2,283 |
| Net loans and leases to deposits | 86.0416% | 2,091 |
| Net loans and leases to core deposits | 91.6503% | 2,538 |
| Total domestic deposits to total assets | 82.6260% | 4,962 |
| Equity capital to assets | 7.4135% | 6,930 |
| Core capital (leverage) ratio | 7.5676% | 6,646 |
| Tier 1 risk-based capital ratio | 11.4860% | 5,924 |
| Total risk-based capital ratio | 12.7360% | 5,925 |
| Memoranda: | ||
| Average total assets | $67,772,000 | 5,941 |
| Average earning assets | $61,818,400 | 5,931 |
| Average equity | $5,184,200 | 6,606 |
| Average total loans | $49,210,000 | 5,519 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6183% | 2,000 |
| Cost of funding earning assets | 1.2601% | 4,495 |
| Net interest margin | 4.3582% | 1,649 |
| Noninterest income to average assets | 0.6763% | 2,970 |
| Noninterest expense to average assets | 2.9047% | 4,070 |
| Loan and lease loss provision to assets | 0.1895% | 5,151 |
| Net operating income to assets | 1.5701% | 789 |
| Return on assets (ROA) | 1.5701% | 865 |
| Pretax return on assets | 1.5701% | 1,420 |
| Return on Equity (ROE) | 20.3572% | 293 |
| Retained earnings to average equity (ytd only) | 4.8371% | 3,094 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2754% | 5,568 |
| Assets per employee ($millions) | 2.9518% | 6,264 |
| Cash dividends to net income (ytd only)* | 76.2387% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2574% | 5,180 |
| Loan loss allowance to noncurrent loans | 350.5618% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 6,714 |
| Noncurrent loans to loans | 0.3587% | 6,477 |
| Net loans and leases to total assets | 72.1749% | 2,216 |
| Net loans and leases to deposits | 88.4431% | 1,949 |
| Net loans and leases to core deposits | 101.3737% | 1,711 |
| Total domestic deposits to total assets | 81.6061% | 5,159 |
| Equity capital to assets | 7.8625% | 6,891 |
| Core capital (leverage) ratio | 7.8098% | 6,560 |
| Tier 1 risk-based capital ratio | 12.1407% | 5,324 |
| Total risk-based capital ratio | 13.3931% | 5,288 |
| Memoranda: | ||
| Average total assets | $66,832,000 | 6,032 |
| Average earning assets | $61,155,750 | 6,022 |
| Average equity | $5,154,500 | 6,700 |
| Average total loans | $48,648,500 | 5,617 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6056% | 2,121 |
| Cost of funding earning assets | 1.2709% | 4,711 |
| Net interest margin | 4.3348% | 1,652 |
| Noninterest income to average assets | 0.6288% | 3,140 |
| Noninterest expense to average assets | 2.8280% | 4,367 |
| Loan and lease loss provision to assets | 0.1895% | 4,982 |
| Net operating income to assets | 1.5825% | 754 |
| Return on assets (ROA) | 1.5825% | 811 |
| Pretax return on assets | 1.5825% | 1,350 |
| Return on Equity (ROE) | 20.6545% | 277 |
| Retained earnings to average equity (ytd only) | -2.9058% | 6,281 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4781% | 5,770 |
| Assets per employee ($millions) | 2.7039% | 6,775 |
| Cash dividends to net income (ytd only)* | 114.0684% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 5,248 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 6,721 |
| Noncurrent loans to loans | 0.0774% | 7,114 |
| Net loans and leases to total assets | 69.8349% | 2,941 |
| Net loans and leases to deposits | 86.8143% | 2,372 |
| Net loans and leases to core deposits | 93.0224% | 2,840 |
| Total domestic deposits to total assets | 80.4417% | 5,578 |
| Equity capital to assets | 7.5165% | 7,104 |
| Core capital (leverage) ratio | 7.3501% | 6,958 |
| Tier 1 risk-based capital ratio | 12.2519% | 5,074 |
| Total risk-based capital ratio | 13.5034% | 5,051 |
| Memoranda: | ||
| Average total assets | $66,478,670 | 6,087 |
| Average earning assets | $60,903,000 | 6,067 |
| Average equity | $5,093,330 | 6,751 |
| Average total loans | $48,323,000 | 5,679 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5747% | 2,265 |
| Cost of funding earning assets | 1.2880% | 4,884 |
| Net interest margin | 4.2867% | 1,724 |
| Noninterest income to average assets | 0.6493% | 2,938 |
| Noninterest expense to average assets | 2.7670% | 4,619 |
| Loan and lease loss provision to assets | 0.1881% | 4,620 |
| Net operating income to assets | 1.6323% | 708 |
| Return on assets (ROA) | 1.6323% | 753 |
| Pretax return on assets | 1.6323% | 1,192 |
| Return on Equity (ROE) | 21.1001% | 328 |
| Retained earnings to average equity (ytd only) | -10.2755% | 6,984 |
| Net charge-offs to loans | -0.0082% | 6,863 |
| Credit loss provision to net charge-offs | -3,100.0000% | 6,590 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3175% | 6,111 |
| Assets per employee ($millions) | 2.9942% | 6,225 |
| Cash dividends to net income (ytd only)* | 148.6989% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1519% | 5,765 |
| Loan loss allowance to noncurrent loans | 4,007.1429% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 6,811 |
| Noncurrent loans to loans | 0.0287% | 7,344 |
| Net loans and leases to total assets | 69.9068% | 2,963 |
| Net loans and leases to deposits | 89.6165% | 1,962 |
| Net loans and leases to core deposits | 96.0765% | 2,582 |
| Total domestic deposits to total assets | 78.0066% | 6,315 |
| Equity capital to assets | 7.3026% | 7,212 |
| Core capital (leverage) ratio | 7.6582% | 6,669 |
| Tier 1 risk-based capital ratio | 11.8415% | 5,359 |
| Total risk-based capital ratio | 13.0934% | 5,300 |
| Memoranda: | ||
| Average total assets | $65,919,000 | 6,177 |
| Average earning assets | $60,559,500 | 6,148 |
| Average equity | $5,099,500 | 6,818 |
| Average total loans | $48,585,000 | 5,731 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0997% | 1,517 |
| Cost of funding earning assets | 1.6303% | 4,888 |
| Net interest margin | 4.4694% | 1,243 |
| Noninterest income to average assets | 0.7387% | 2,744 |
| Noninterest expense to average assets | 3.2721% | 3,117 |
| Loan and lease loss provision to assets | 0.1834% | 5,870 |
| Net operating income to assets | 1.4014% | 849 |
| Return on assets (ROA) | 1.3981% | 912 |
| Pretax return on assets | 1.3981% | 1,443 |
| Return on Equity (ROE) | 17.7433% | 388 |
| Retained earnings to average equity (ytd only) | 17.7433% | 56 |
| Net charge-offs to loans | 0.1604% | 5,669 |
| Credit loss provision to net charge-offs | 148.0000% | 3,169 |
| Earnings coverage of net charge-offs (x) | 12.7867% | 1,476 |
| Efficiency ratio | 67.3699% | 5,117 |
| Assets per employee ($millions) | 2.8624% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 5,939 |
| Loan loss allowance to noncurrent loans | 297.1910% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2827% | 6,743 |
| Noncurrent loans to loans | 0.3673% | 6,543 |
| Net loans and leases to total assets | 76.1259% | 1,761 |
| Net loans and leases to deposits | 88.8695% | 2,409 |
| Net loans and leases to core deposits | 106.7115% | 3,248 |
| Total domestic deposits to total assets | 85.6603% | 3,192 |
| Equity capital to assets | 8.2100% | 6,333 |
| Core capital (leverage) ratio | 8.1108% | 5,973 |
| Tier 1 risk-based capital ratio | 11.5526% | 5,343 |
| Total risk-based capital ratio | 12.7427% | 5,363 |
| Memoranda: | ||
| Average total assets | $60,512,400 | 6,329 |
| Average earning assets | $55,757,000 | 6,304 |
| Average equity | $4,768,000 | 7,035 |
| Average total loans | $46,767,400 | 5,812 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0942% | 1,667 |
| Cost of funding earning assets | 1.6782% | 5,015 |
| Net interest margin | 4.4159% | 1,401 |
| Noninterest income to average assets | 0.7724% | 2,586 |
| Noninterest expense to average assets | 3.1230% | 3,568 |
| Loan and lease loss provision to assets | 0.1536% | 5,818 |
| Net operating income to assets | 1.5782% | 689 |
| Return on assets (ROA) | 1.5738% | 754 |
| Pretax return on assets | 1.5738% | 1,235 |
| Return on Equity (ROE) | 20.1958% | 297 |
| Retained earnings to average equity (ytd only) | 20.1958% | 61 |
| Net charge-offs to loans | 0.1525% | 5,191 |
| Credit loss provision to net charge-offs | 130.1887% | 3,848 |
| Earnings coverage of net charge-offs (x) | 14.6803% | 1,584 |
| Efficiency ratio | 64.3283% | 5,686 |
| Assets per employee ($millions) | 2.6907% | 6,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 5,984 |
| Loan loss allowance to noncurrent loans | 25,450.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0031% | 7,605 |
| Noncurrent loans to loans | 0.0041% | 7,525 |
| Net loans and leases to total assets | 73.9226% | 2,547 |
| Net loans and leases to deposits | 90.4830% | 2,485 |
| Net loans and leases to core deposits | 108.7106% | 3,384 |
| Total domestic deposits to total assets | 81.6978% | 4,808 |
| Equity capital to assets | 7.8031% | 7,039 |
| Core capital (leverage) ratio | 7.9980% | 6,360 |
| Tier 1 risk-based capital ratio | 11.1770% | 5,783 |
| Total risk-based capital ratio | 12.3157% | 5,839 |
| Memoranda: | ||
| Average total assets | $59,897,500 | 6,392 |
| Average earning assets | $55,374,000 | 6,366 |
| Average equity | $4,667,500 | 7,119 |
| Average total loans | $46,342,500 | 5,869 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1564% | 1,604 |
| Cost of funding earning assets | 1.7590% | 4,952 |
| Net interest margin | 4.3974% | 1,416 |
| Noninterest income to average assets | 0.7679% | 2,600 |
| Noninterest expense to average assets | 3.3289% | 2,856 |
| Loan and lease loss provision to assets | 0.1131% | 6,015 |
| Net operating income to assets | 1.3885% | 1,047 |
| Return on assets (ROA) | 1.3816% | 1,134 |
| Pretax return on assets | 1.3816% | 1,782 |
| Return on Equity (ROE) | 17.7390% | 513 |
| Retained earnings to average equity (ytd only) | 17.7390% | 111 |
| Net charge-offs to loans | 0.1356% | 4,809 |
| Credit loss provision to net charge-offs | 106.4516% | 4,327 |
| Earnings coverage of net charge-offs (x) | 14.1290% | 1,680 |
| Efficiency ratio | 68.9141% | 4,992 |
| Assets per employee ($millions) | 2.4327% | 7,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0721% | 5,771 |
| Loan loss allowance to noncurrent loans | 226.0274% | 1,348 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 6,556 |
| Noncurrent loans to loans | 0.4743% | 6,337 |
| Net loans and leases to total assets | 75.1007% | 2,416 |
| Net loans and leases to deposits | 87.5400% | 3,252 |
| Net loans and leases to core deposits | 106.6004% | 3,766 |
| Total domestic deposits to total assets | 85.7902% | 2,888 |
| Equity capital to assets | 7.7922% | 6,993 |
| Core capital (leverage) ratio | 8.0032% | 6,324 |
| Tier 1 risk-based capital ratio | 11.1064% | 5,767 |
| Total risk-based capital ratio | 12.2778% | 5,774 |
| Memoranda: | ||
| Average total assets | $58,337,670 | 6,500 |
| Average earning assets | $53,895,330 | 6,480 |
| Average equity | $4,543,670 | 7,228 |
| Average total loans | $45,708,000 | 5,946 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3030% | 1,290 |
| Cost of funding earning assets | 1.8462% | 4,895 |
| Net interest margin | 4.4567% | 1,218 |
| Noninterest income to average assets | 0.7706% | 2,485 |
| Noninterest expense to average assets | 3.2435% | 2,817 |
| Loan and lease loss provision to assets | 0.1121% | 5,528 |
| Net operating income to assets | 1.5412% | 868 |
| Return on assets (ROA) | 1.5412% | 946 |
| Pretax return on assets | 1.5412% | 1,558 |
| Return on Equity (ROE) | 19.7931% | 437 |
| Retained earnings to average equity (ytd only) | 19.7931% | 168 |
| Net charge-offs to loans | 0.2287% | 3,270 |
| Credit loss provision to net charge-offs | 61.5385% | 4,488 |
| Earnings coverage of net charge-offs (x) | 9.0769% | 2,110 |
| Efficiency ratio | 66.2375% | 5,285 |
| Assets per employee ($millions) | 2.2075% | 7,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,802 |
| Loan loss allowance to noncurrent loans | 5,366.6667% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 7,588 |
| Noncurrent loans to loans | 0.0196% | 7,502 |
| Net loans and leases to total assets | 79.1407% | 1,551 |
| Net loans and leases to deposits | 89.1152% | 3,085 |
| Net loans and leases to core deposits | 108.4420% | 3,620 |
| Total domestic deposits to total assets | 88.8072% | 1,337 |
| Equity capital to assets | 7.9451% | 6,891 |
| Core capital (leverage) ratio | 8.0042% | 6,436 |
| Tier 1 risk-based capital ratio | 10.7915% | 6,106 |
| Total risk-based capital ratio | 11.9474% | 6,100 |
| Memoranda: | ||
| Average total assets | $57,098,000 | 6,577 |
| Average earning assets | $52,864,000 | 6,548 |
| Average equity | $4,446,000 | 7,304 |
| Average total loans | $45,477,500 | 5,986 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9073% | 1,373 |
| Cost of funding earning assets | 2.3181% | 5,071 |
| Net interest margin | 4.5892% | 1,212 |
| Noninterest income to average assets | 0.9043% | 1,940 |
| Noninterest expense to average assets | 3.6007% | 2,141 |
| Loan and lease loss provision to assets | 0.1885% | 5,004 |
| Net operating income to assets | 1.3591% | 1,327 |
| Return on assets (ROA) | 1.3555% | 1,293 |
| Pretax return on assets | 1.3555% | 2,113 |
| Return on Equity (ROE) | 17.3856% | 585 |
| Retained earnings to average equity (ytd only) | 3.4399% | 3,001 |
| Net charge-offs to loans | 0.1235% | 5,003 |
| Credit loss provision to net charge-offs | 196.2264% | 2,498 |
| Earnings coverage of net charge-offs (x) | 16.1132% | 1,870 |
| Efficiency ratio | 69.9402% | 4,367 |
| Assets per employee ($millions) | 2.4697% | 7,260 |
| Cash dividends to net income (ytd only)* | 80.2139% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 5,323 |
| Loan loss allowance to noncurrent loans | 640.2597% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.2588% | 6,545 |
| Noncurrent loans to loans | 0.1709% | 6,877 |
| Net loans and leases to total assets | 78.4427% | 2,012 |
| Net loans and leases to deposits | 88.0417% | 3,798 |
| Net loans and leases to core deposits | 105.2834% | 4,269 |
| Total domestic deposits to total assets | 89.0972% | 1,005 |
| Equity capital to assets | 7.6265% | 7,282 |
| Core capital (leverage) ratio | 7.6420% | 7,020 |
| Tier 1 risk-based capital ratio | 10.3963% | 6,318 |
| Total risk-based capital ratio | 11.5913% | 6,249 |
| Memoranda: | ||
| Average total assets | $55,183,800 | 6,567 |
| Average earning assets | $51,033,200 | 6,553 |
| Average equity | $4,302,400 | 7,390 |
| Average total loans | $42,920,600 | 6,029 |