Home > Mayville State Bank > Performance and Condition Ratios
Mayville 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 | 3.7146% | 4,261 |
| Cost of funding earning assets | 0.2149% | 4,437 |
| Net interest margin | 3.4998% | 2,179 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 2.7790% | 1,557 |
| Loan and lease loss provision to assets | 0.0900% | 1,416 |
| Net operating income to assets | 0.7794% | 2,942 |
| Return on assets (ROA) | 0.7794% | 2,923 |
| Pretax return on assets | 0.9350% | 2,861 |
| Return on Equity (ROE) | 11.3900% | 2,126 |
| Retained earnings to average equity (ytd only) | 4.6962% | 2,712 |
| Net charge-offs to loans | 0.2549% | 417 |
| Credit loss provision to net charge-offs | 81.0811% | 2,014 |
| Earnings coverage of net charge-offs (x) | 9.1982% | 2,305 |
| Efficiency ratio | 73.0465% | 1,551 |
| Assets per employee ($millions) | 3.7559% | 4,231 |
| Cash dividends to net income (ytd only)* | 58.7629% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1344% | 2,628 |
| Loan loss allowance to noncurrent loans | 4,900.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 2,895 |
| Noncurrent loans to loans | 0.0232% | 3,578 |
| Net loans and leases to total assets | 45.4800% | 3,837 |
| Net loans and leases to deposits | 49.3523% | 3,964 |
| Net loans and leases to core deposits | 49.8471% | 4,089 |
| Total domestic deposits to total assets | 92.1600% | 283 |
| Equity capital to assets | 7.6945% | 3,606 |
| Core capital (leverage) ratio | 11.3186% | 1,746 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $99,567,200 | 3,839 |
| Average earning assets | $88,891,400 | 3,843 |
| Average equity | $6,814,000 | 4,069 |
| Average total loans | $43,544,800 | 3,942 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6567% | 4,258 |
| Cost of funding earning assets | 0.1805% | 4,455 |
| Net interest margin | 3.4762% | 2,264 |
| Noninterest income to average assets | 0.6600% | 1,314 |
| Noninterest expense to average assets | 2.7370% | 1,576 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 0.8397% | 2,900 |
| Return on assets (ROA) | 0.8397% | 2,880 |
| Pretax return on assets | 1.0153% | 2,811 |
| Return on Equity (ROE) | 12.6400% | 1,969 |
| Retained earnings to average equity (ytd only) | 9.5956% | 1,518 |
| Net charge-offs to loans | 0.0458% | 1,232 |
| Credit loss provision to net charge-offs | 66.6667% | 1,824 |
| Earnings coverage of net charge-offs (x) | 51.9333% | 1,294 |
| Efficiency ratio | 72.6858% | 1,487 |
| Assets per employee ($millions) | 4.0812% | 4,130 |
| Cash dividends to net income (ytd only)* | 24.0566% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1465% | 2,638 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 3,060 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 43.9300% | 3,918 |
| Net loans and leases to deposits | 47.1569% | 4,028 |
| Net loans and leases to core deposits | 47.6040% | 4,091 |
| Total domestic deposits to total assets | 93.1500% | 277 |
| Equity capital to assets | 6.6524% | 3,774 |
| Core capital (leverage) ratio | 11.0650% | 1,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $100,984,500 | 3,839 |
| Average earning assets | $90,134,000 | 3,849 |
| Average equity | $6,711,250 | 4,079 |
| Average total loans | $43,632,000 | 3,952 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6051% | 4,245 |
| Cost of funding earning assets | 0.1581% | 4,466 |
| Net interest margin | 3.4470% | 2,401 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 2.7021% | 1,639 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8510% | 2,922 |
| Return on assets (ROA) | 0.8510% | 2,926 |
| Pretax return on assets | 1.0275% | 2,837 |
| Return on Equity (ROE) | 12.8100% | 1,943 |
| Retained earnings to average equity (ytd only) | 9.8283% | 1,455 |
| Net charge-offs to loans | -0.0092% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.4501% | 1,512 |
| Assets per employee ($millions) | 3.8053% | 4,257 |
| Cash dividends to net income (ytd only)* | 23.2719% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1669% | 2,613 |
| Loan loss allowance to noncurrent loans | 689.1892% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.0748% | 3,022 |
| Noncurrent loans to loans | 0.1693% | 2,629 |
| Net loans and leases to total assets | 43.6600% | 3,895 |
| Net loans and leases to deposits | 47.0006% | 4,018 |
| Net loans and leases to core deposits | 47.4420% | 4,090 |
| Total domestic deposits to total assets | 92.8900% | 266 |
| Equity capital to assets | 6.8993% | 3,848 |
| Core capital (leverage) ratio | 10.6325% | 2,196 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $101,996,333 | 3,845 |
| Average earning assets | $91,094,333 | 3,854 |
| Average equity | $6,776,333 | 4,098 |
| Average total loans | $43,668,000 | 3,961 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5483% | 4,217 |
| Cost of funding earning assets | 0.1430% | 4,473 |
| Net interest margin | 3.4053% | 2,618 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.6196% | 1,898 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8500% | 3,023 |
| Return on assets (ROA) | 0.8500% | 2,973 |
| Pretax return on assets | 1.0239% | 2,922 |
| Return on Equity (ROE) | 13.0300% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.0126% | 1,695 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 71.8982% | 1,539 |
| Assets per employee ($millions) | 4.1159% | 4,205 |
| Cash dividends to net income (ytd only)* | 23.1818% | 1,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1750% | 2,691 |
| Loan loss allowance to noncurrent loans | 50,800.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 3,930 |
| Noncurrent loans to loans | 0.0023% | 3,848 |
| Net loans and leases to total assets | 41.5200% | 3,974 |
| Net loans and leases to deposits | 44.5703% | 4,084 |
| Net loans and leases to core deposits | 44.8520% | 4,146 |
| Total domestic deposits to total assets | 93.1600% | 283 |
| Equity capital to assets | 6.7134% | 3,955 |
| Core capital (leverage) ratio | 10.0991% | 2,590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $103,526,000 | 3,877 |
| Average earning assets | $92,326,000 | 3,893 |
| Average equity | $6,751,500 | 4,149 |
| Average total loans | $43,650,000 | 4,004 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1265% | 3,951 |
| Cost of funding earning assets | 0.1496% | 4,126 |
| Net interest margin | 2.9769% | 3,506 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.4641% | 2,223 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7179% | 3,569 |
| Return on assets (ROA) | 0.7078% | 3,542 |
| Pretax return on assets | 0.8431% | 3,506 |
| Return on Equity (ROE) | 9.9700% | 2,818 |
| Retained earnings to average equity (ytd only) | 3.9717% | 3,405 |
| Net charge-offs to loans | 0.0495% | 1,177 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 43.6190% | 1,451 |
| Efficiency ratio | 74.2335% | 1,194 |
| Assets per employee ($millions) | 4.0059% | 4,281 |
| Cash dividends to net income (ytd only)* | 60.1583% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1982% | 2,395 |
| Loan loss allowance to noncurrent loans | 244.4444% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2074% | 2,129 |
| Noncurrent loans to loans | 0.4902% | 1,474 |
| Net loans and leases to total assets | 41.8000% | 3,993 |
| Net loans and leases to deposits | 44.6562% | 4,092 |
| Net loans and leases to core deposits | 44.9336% | 4,151 |
| Total domestic deposits to total assets | 93.6100% | 286 |
| Equity capital to assets | 6.3320% | 3,965 |
| Core capital (leverage) ratio | 9.9022% | 2,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $107,099,800 | 3,860 |
| Average earning assets | $94,897,200 | 3,887 |
| Average equity | $7,603,800 | 4,140 |
| Average total loans | $42,426,400 | 4,020 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0314% | 3,830 |
| Cost of funding earning assets | 0.1509% | 3,834 |
| Net interest margin | 2.8804% | 3,539 |
| Noninterest income to average assets | 0.6900% | 1,362 |
| Noninterest expense to average assets | 2.4382% | 2,193 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6826% | 3,611 |
| Return on assets (ROA) | 0.6689% | 3,605 |
| Pretax return on assets | 0.7864% | 3,619 |
| Return on Equity (ROE) | 9.1800% | 2,977 |
| Retained earnings to average equity (ytd only) | 6.6020% | 2,515 |
| Net charge-offs to loans | 0.0222% | 1,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 92.7143% | 980 |
| Efficiency ratio | 75.2385% | 1,148 |
| Assets per employee ($millions) | 3.9501% | 4,341 |
| Cash dividends to net income (ytd only)* | 28.0961% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 2,206 |
| Loan loss allowance to noncurrent loans | 2,258.3333% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 3,721 |
| Noncurrent loans to loans | 0.0559% | 3,478 |
| Net loans and leases to total assets | 39.7400% | 4,080 |
| Net loans and leases to deposits | 42.3257% | 4,169 |
| Net loans and leases to core deposits | 42.4750% | 4,211 |
| Total domestic deposits to total assets | 93.8800% | 378 |
| Equity capital to assets | 6.0317% | 3,949 |
| Core capital (leverage) ratio | 9.7151% | 2,856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $107,836,250 | 3,877 |
| Average earning assets | $95,400,000 | 3,908 |
| Average equity | $7,856,000 | 4,154 |
| Average total loans | $42,016,500 | 4,051 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9145% | 3,748 |
| Cost of funding earning assets | 0.1507% | 3,564 |
| Net interest margin | 2.7637% | 3,542 |
| Noninterest income to average assets | 0.7022% | 1,331 |
| Noninterest expense to average assets | 2.4134% | 2,190 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6080% | 3,606 |
| Return on assets (ROA) | 0.6080% | 3,552 |
| Pretax return on assets | 0.7281% | 3,505 |
| Return on Equity (ROE) | 7.8988% | 3,044 |
| Retained earnings to average equity (ytd only) | 5.4740% | 2,529 |
| Net charge-offs to loans | 0.0671% | 753 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 28.1429% | 1,418 |
| Efficiency ratio | 76.8235% | 1,196 |
| Assets per employee ($millions) | 3.9372% | 4,397 |
| Cash dividends to net income (ytd only)* | 30.6991% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2756% | 2,298 |
| Loan loss allowance to noncurrent loans | 379.4326% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 2,780 |
| Noncurrent loans to loans | 0.3362% | 2,134 |
| Net loans and leases to total assets | 38.9515% | 4,123 |
| Net loans and leases to deposits | 41.6779% | 4,203 |
| Net loans and leases to core deposits | 41.9630% | 4,264 |
| Total domestic deposits to total assets | 93.4584% | 408 |
| Equity capital to assets | 6.4090% | 4,054 |
| Core capital (leverage) ratio | 9.5488% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,230,667 | 3,910 |
| Average earning assets | $95,523,667 | 3,957 |
| Average equity | $8,330,333 | 4,165 |
| Average total loans | $41,715,000 | 4,110 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9185% | 3,486 |
| Cost of funding earning assets | 0.1580% | 3,400 |
| Net interest margin | 2.7606% | 3,250 |
| Noninterest income to average assets | 0.5824% | 1,767 |
| Noninterest expense to average assets | 2.3884% | 2,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5458% | 3,575 |
| Return on assets (ROA) | 0.5458% | 3,547 |
| Pretax return on assets | 0.6264% | 3,562 |
| Return on Equity (ROE) | 6.5574% | 3,179 |
| Retained earnings to average equity (ytd only) | 4.3569% | 2,816 |
| Net charge-offs to loans | 0.1442% | 397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 1,440 |
| Efficiency ratio | 79.2224% | 1,208 |
| Assets per employee ($millions) | 4.1562% | 4,324 |
| Cash dividends to net income (ytd only)* | 33.5570% | 1,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2950% | 2,386 |
| Loan loss allowance to noncurrent loans | 905.0847% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 3,501 |
| Noncurrent loans to loans | 0.1431% | 3,093 |
| Net loans and leases to total assets | 37.6639% | 4,133 |
| Net loans and leases to deposits | 40.8856% | 4,216 |
| Net loans and leases to core deposits | 41.1643% | 4,270 |
| Total domestic deposits to total assets | 92.1202% | 530 |
| Equity capital to assets | 7.6707% | 3,816 |
| Core capital (leverage) ratio | 9.1883% | 3,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,194,000 | 3,924 |
| Average earning assets | $96,212,500 | 3,967 |
| Average equity | $9,089,000 | 4,149 |
| Average total loans | $41,601,500 | 4,130 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1581% | 3,568 |
| Cost of funding earning assets | 0.1733% | 3,743 |
| Net interest margin | 2.9848% | 3,239 |
| Noninterest income to average assets | 0.6509% | 1,938 |
| Noninterest expense to average assets | 2.4596% | 2,311 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6980% | 3,633 |
| Return on assets (ROA) | 0.6988% | 3,684 |
| Pretax return on assets | 0.8164% | 3,690 |
| Return on Equity (ROE) | 7.3451% | 3,422 |
| Retained earnings to average equity (ytd only) | 2.5802% | 3,803 |
| Net charge-offs to loans | 0.0434% | 1,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 48.1667% | 1,320 |
| Efficiency ratio | 75.1005% | 1,201 |
| Assets per employee ($millions) | 4.0862% | 4,391 |
| Cash dividends to net income (ytd only)* | 64.8721% | 908 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3081% | 2,318 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,079 |
| Noncurrent loans to loans | 0.0214% | 3,915 |
| Net loans and leases to total assets | 37.5429% | 4,218 |
| Net loans and leases to deposits | 41.3600% | 4,292 |
| Net loans and leases to core deposits | 41.6399% | 4,350 |
| Total domestic deposits to total assets | 90.7711% | 597 |
| Equity capital to assets | 8.9634% | 3,657 |
| Core capital (leverage) ratio | 9.1849% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,319,000 | 3,928 |
| Average earning assets | $93,472,800 | 3,981 |
| Average equity | $10,115,600 | 4,112 |
| Average total loans | $41,471,200 | 4,153 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2049% | 3,597 |
| Cost of funding earning assets | 0.1743% | 3,879 |
| Net interest margin | 3.0306% | 3,230 |
| Noninterest income to average assets | 0.6583% | 1,981 |
| Noninterest expense to average assets | 2.4712% | 2,202 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7559% | 3,640 |
| Return on assets (ROA) | 0.7571% | 3,698 |
| Pretax return on assets | 0.8520% | 3,789 |
| Return on Equity (ROE) | 7.8381% | 3,450 |
| Retained earnings to average equity (ytd only) | 5.5050% | 3,042 |
| Net charge-offs to loans | 0.0580% | 1,064 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 37.3333% | 1,412 |
| Efficiency ratio | 74.3902% | 1,181 |
| Assets per employee ($millions) | 4.0340% | 4,433 |
| Cash dividends to net income (ytd only)* | 29.7659% | 2,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 2,477 |
| Loan loss allowance to noncurrent loans | 5,490.0000% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,178 |
| Noncurrent loans to loans | 0.0237% | 4,028 |
| Net loans and leases to total assets | 38.2238% | 4,288 |
| Net loans and leases to deposits | 42.4801% | 4,366 |
| Net loans and leases to core deposits | 42.7733% | 4,425 |
| Total domestic deposits to total assets | 89.9806% | 783 |
| Equity capital to assets | 9.5273% | 3,344 |
| Core capital (leverage) ratio | 9.4650% | 3,054 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,317,000 | 3,991 |
| Average earning assets | $92,564,500 | 4,036 |
| Average equity | $10,172,250 | 4,165 |
| Average total loans | $41,346,750 | 4,210 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0011% | 4,044 |
| Cost of funding earning assets | 0.1756% | 3,988 |
| Net interest margin | 2.8255% | 3,733 |
| Noninterest income to average assets | 0.6646% | 1,952 |
| Noninterest expense to average assets | 2.5068% | 2,119 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5436% | 4,125 |
| Return on assets (ROA) | 0.5436% | 4,171 |
| Pretax return on assets | 0.6301% | 4,190 |
| Return on Equity (ROE) | 5.6017% | 4,002 |
| Retained earnings to average equity (ytd only) | 3.6025% | 3,648 |
| Net charge-offs to loans | 0.0584% | 1,029 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 27.3333% | 1,364 |
| Efficiency ratio | 79.9143% | 789 |
| Assets per employee ($millions) | 3.9797% | 4,460 |
| Cash dividends to net income (ytd only)* | 35.6890% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3070% | 2,399 |
| Loan loss allowance to noncurrent loans | 3,083.3333% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 4,173 |
| Noncurrent loans to loans | 0.0424% | 3,978 |
| Net loans and leases to total assets | 39.0020% | 4,330 |
| Net loans and leases to deposits | 43.3525% | 4,406 |
| Net loans and leases to core deposits | 43.6560% | 4,468 |
| Total domestic deposits to total assets | 89.9647% | 797 |
| Equity capital to assets | 9.3996% | 3,426 |
| Core capital (leverage) ratio | 9.4858% | 2,921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,116,333 | 4,027 |
| Average earning assets | $91,099,333 | 4,073 |
| Average equity | $10,104,000 | 4,188 |
| Average total loans | $41,068,333 | 4,257 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0274% | 4,026 |
| Cost of funding earning assets | 0.1794% | 4,086 |
| Net interest margin | 2.8480% | 3,644 |
| Noninterest income to average assets | 0.6676% | 1,966 |
| Noninterest expense to average assets | 2.4949% | 2,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5661% | 4,028 |
| Return on assets (ROA) | 0.5661% | 4,079 |
| Pretax return on assets | 0.6520% | 4,107 |
| Return on Equity (ROE) | 5.7392% | 3,936 |
| Retained earnings to average equity (ytd only) | 3.7206% | 3,583 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2804% | 868 |
| Assets per employee ($millions) | 3.8672% | 4,555 |
| Cash dividends to net income (ytd only)* | 35.1724% | 1,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3607% | 2,143 |
| Loan loss allowance to noncurrent loans | 9,450.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,356 |
| Noncurrent loans to loans | 0.0144% | 4,232 |
| Net loans and leases to total assets | 39.3645% | 4,367 |
| Net loans and leases to deposits | 43.7395% | 4,432 |
| Net loans and leases to core deposits | 44.0541% | 4,495 |
| Total domestic deposits to total assets | 89.9975% | 821 |
| Equity capital to assets | 9.5773% | 3,129 |
| Core capital (leverage) ratio | 9.6703% | 2,851 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,449,000 | 4,043 |
| Average earning assets | $89,184,000 | 4,108 |
| Average equity | $10,106,000 | 4,205 |
| Average total loans | $40,371,000 | 4,296 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3543% | 4,262 |
| Cost of funding earning assets | 0.2292% | 4,469 |
| Net interest margin | 3.1251% | 3,570 |
| Noninterest income to average assets | 0.6600% | 1,986 |
| Noninterest expense to average assets | 2.8431% | 1,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.6438% | 3,616 |
| Return on assets (ROA) | 0.6827% | 3,617 |
| Pretax return on assets | 0.6244% | 4,028 |
| Return on Equity (ROE) | 6.3504% | 3,472 |
| Retained earnings to average equity (ytd only) | 2.0197% | 3,814 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9238% | 697 |
| Assets per employee ($millions) | 3.7216% | 4,554 |
| Cash dividends to net income (ytd only)* | 68.1962% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 1,773 |
| Loan loss allowance to noncurrent loans | 700.0000% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 3,931 |
| Noncurrent loans to loans | 0.2073% | 3,459 |
| Net loans and leases to total assets | 38.3205% | 4,507 |
| Net loans and leases to deposits | 42.8416% | 4,562 |
| Net loans and leases to core deposits | 43.1638% | 4,625 |
| Total domestic deposits to total assets | 89.4471% | 789 |
| Equity capital to assets | 10.1628% | 2,971 |
| Core capital (leverage) ratio | 9.9471% | 2,656 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,574,800 | 4,090 |
| Average earning assets | $82,013,200 | 4,134 |
| Average equity | $9,952,200 | 4,200 |
| Average total loans | $39,965,200 | 4,310 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2864% | 4,488 |
| Cost of funding earning assets | 0.2335% | 4,558 |
| Net interest margin | 3.0529% | 3,855 |
| Noninterest income to average assets | 0.6990% | 1,808 |
| Noninterest expense to average assets | 2.9051% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.4768% | 4,097 |
| Return on assets (ROA) | 0.5210% | 4,073 |
| Pretax return on assets | 0.5754% | 4,148 |
| Return on Equity (ROE) | 4.7737% | 3,946 |
| Retained earnings to average equity (ytd only) | 2.7240% | 3,637 |
| Net charge-offs to loans | 0.2057% | 743 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 5.7742% | 2,710 |
| Efficiency ratio | 84.6484% | 572 |
| Assets per employee ($millions) | 3.5947% | 4,617 |
| Cash dividends to net income (ytd only)* | 42.9379% | 1,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2384% | 2,454 |
| Loan loss allowance to noncurrent loans | 608.4337% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 4,006 |
| Noncurrent loans to loans | 0.2035% | 3,572 |
| Net loans and leases to total assets | 41.4956% | 4,515 |
| Net loans and leases to deposits | 46.5574% | 4,590 |
| Net loans and leases to core deposits | 46.9208% | 4,646 |
| Total domestic deposits to total assets | 89.1279% | 714 |
| Equity capital to assets | 10.5516% | 2,749 |
| Core capital (leverage) ratio | 10.3294% | 2,399 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,597,500 | 4,122 |
| Average earning assets | $81,100,250 | 4,154 |
| Average equity | $9,887,250 | 4,214 |
| Average total loans | $40,188,250 | 4,332 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4001% | 4,537 |
| Cost of funding earning assets | 0.2409% | 4,652 |
| Net interest margin | 3.1592% | 3,769 |
| Noninterest income to average assets | 0.6987% | 1,741 |
| Noninterest expense to average assets | 2.9736% | 1,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4661% | 4,096 |
| Return on assets (ROA) | 0.4817% | 4,130 |
| Pretax return on assets | 0.5608% | 4,135 |
| Return on Equity (ROE) | 4.3606% | 4,005 |
| Retained earnings to average equity (ytd only) | 2.2929% | 3,643 |
| Net charge-offs to loans | 0.2951% | 539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.0678% | 2,627 |
| Efficiency ratio | 84.5659% | 606 |
| Assets per employee ($millions) | 3.3018% | 4,739 |
| Cash dividends to net income (ytd only)* | 47.4178% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 2,363 |
| Loan loss allowance to noncurrent loans | 2,540.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 4,445 |
| Noncurrent loans to loans | 0.0484% | 4,289 |
| Net loans and leases to total assets | 44.1941% | 4,444 |
| Net loans and leases to deposits | 49.7874% | 4,541 |
| Net loans and leases to core deposits | 50.1966% | 4,616 |
| Total domestic deposits to total assets | 88.7657% | 835 |
| Equity capital to assets | 10.9596% | 2,381 |
| Core capital (leverage) ratio | 10.6954% | 2,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,444,667 | 4,150 |
| Average earning assets | $78,880,667 | 4,183 |
| Average equity | $9,769,333 | 4,244 |
| Average total loans | $39,991,333 | 4,355 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5026% | 4,627 |
| Cost of funding earning assets | 0.2498% | 4,774 |
| Net interest margin | 3.2528% | 3,716 |
| Noninterest income to average assets | 0.7126% | 1,604 |
| Noninterest expense to average assets | 3.0170% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4918% | 3,914 |
| Return on assets (ROA) | 0.5229% | 3,890 |
| Pretax return on assets | 0.6247% | 3,879 |
| Return on Equity (ROE) | 4.7142% | 3,734 |
| Retained earnings to average equity (ytd only) | 2.5866% | 3,234 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6970% | 848 |
| Assets per employee ($millions) | 3.0881% | 4,753 |
| Cash dividends to net income (ytd only)* | 45.1327% | 1,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4604% | 1,486 |
| Loan loss allowance to noncurrent loans | 1,012.5000% | 555 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 4,275 |
| Noncurrent loans to loans | 0.1442% | 3,943 |
| Net loans and leases to total assets | 44.2469% | 4,496 |
| Net loans and leases to deposits | 49.7762% | 4,598 |
| Net loans and leases to core deposits | 50.2133% | 4,672 |
| Total domestic deposits to total assets | 88.8917% | 710 |
| Equity capital to assets | 10.9533% | 2,901 |
| Core capital (leverage) ratio | 11.0724% | 2,415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.7762% | 510 |
| Memoranda: | ||
| Average total assets | $86,442,500 | 4,179 |
| Average earning assets | $76,856,500 | 4,217 |
| Average equity | $9,588,000 | 4,285 |
| Average total loans | $39,304,500 | 4,392 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6758% | 4,701 |
| Cost of funding earning assets | 0.2624% | 4,818 |
| Net interest margin | 3.4135% | 3,703 |
| Noninterest income to average assets | 0.7841% | 1,495 |
| Noninterest expense to average assets | 2.9981% | 2,023 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7120% | 3,835 |
| Return on assets (ROA) | 0.7080% | 3,912 |
| Pretax return on assets | 0.8118% | 3,951 |
| Return on Equity (ROE) | 6.4467% | 3,760 |
| Retained earnings to average equity (ytd only) | 1.6589% | 4,140 |
| Net charge-offs to loans | 0.0104% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 431 |
| Efficiency ratio | 78.5973% | 1,082 |
| Assets per employee ($millions) | 2.9799% | 4,837 |
| Cash dividends to net income (ytd only)* | 74.2671% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 1,436 |
| Loan loss allowance to noncurrent loans | 1,111.7647% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 4,325 |
| Noncurrent loans to loans | 0.1282% | 4,006 |
| Net loans and leases to total assets | 45.3794% | 4,542 |
| Net loans and leases to deposits | 51.1571% | 4,640 |
| Net loans and leases to core deposits | 51.6068% | 4,721 |
| Total domestic deposits to total assets | 88.7061% | 790 |
| Equity capital to assets | 11.2303% | 2,780 |
| Core capital (leverage) ratio | 11.1992% | 2,337 |
| Tier 1 risk-based capital ratio | 22.8465% | 924 |
| Total risk-based capital ratio | 24.0975% | 909 |
| Memoranda: | ||
| Average total assets | $86,722,200 | 4,190 |
| Average earning assets | $76,989,400 | 4,230 |
| Average equity | $9,524,200 | 4,303 |
| Average total loans | $38,373,800 | 4,440 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6751% | 4,807 |
| Cost of funding earning assets | 0.2647% | 4,889 |
| Net interest margin | 3.4104% | 3,841 |
| Noninterest income to average assets | 0.7680% | 1,527 |
| Noninterest expense to average assets | 3.0445% | 1,846 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6428% | 4,171 |
| Return on assets (ROA) | 0.6375% | 4,242 |
| Pretax return on assets | 0.7450% | 4,251 |
| Return on Equity (ROE) | 5.8373% | 4,093 |
| Retained earnings to average equity (ytd only) | 3.6993% | 3,546 |
| Net charge-offs to loans | 0.0140% | 2,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 122.3227% | 638 |
| Efficiency ratio | 80.2104% | 908 |
| Assets per employee ($millions) | 2.9270% | 4,925 |
| Cash dividends to net income (ytd only)* | 36.6262% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 1,456 |
| Loan loss allowance to noncurrent loans | 1,111.7647% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 4,413 |
| Noncurrent loans to loans | 0.1288% | 4,073 |
| Net loans and leases to total assets | 45.9798% | 4,596 |
| Net loans and leases to deposits | 52.0199% | 4,706 |
| Net loans and leases to core deposits | 52.4873% | 4,787 |
| Total domestic deposits to total assets | 88.3887% | 880 |
| Equity capital to assets | 11.5029% | 2,654 |
| Core capital (leverage) ratio | 11.2495% | 2,429 |
| Tier 1 risk-based capital ratio | 23.1066% | 937 |
| Total risk-based capital ratio | 24.3558% | 917 |
| Memoranda: | ||
| Average total assets | $86,798,250 | 4,244 |
| Average earning assets | $77,057,250 | 4,282 |
| Average equity | $9,479,000 | 4,354 |
| Average total loans | $38,021,500 | 4,507 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6369% | 4,900 |
| Cost of funding earning assets | 0.2633% | 4,920 |
| Net interest margin | 3.3736% | 3,975 |
| Noninterest income to average assets | 0.7594% | 1,480 |
| Noninterest expense to average assets | 3.0422% | 1,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5979% | 4,309 |
| Return on assets (ROA) | 0.5901% | 4,372 |
| Pretax return on assets | 0.6976% | 4,336 |
| Return on Equity (ROE) | 5.4987% | 4,204 |
| Retained earnings to average equity (ytd only) | 3.3461% | 3,558 |
| Net charge-offs to loans | 0.0107% | 2,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 154.5000% | 484 |
| Efficiency ratio | 81.1470% | 873 |
| Assets per employee ($millions) | 3.0798% | 4,855 |
| Cash dividends to net income (ytd only)* | 39.1473% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 1,341 |
| Loan loss allowance to noncurrent loans | 1,094.2308% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 4,452 |
| Noncurrent loans to loans | 0.1349% | 4,073 |
| Net loans and leases to total assets | 44.0279% | 4,727 |
| Net loans and leases to deposits | 49.6807% | 4,813 |
| Net loans and leases to core deposits | 50.1181% | 4,866 |
| Total domestic deposits to total assets | 88.6217% | 818 |
| Equity capital to assets | 11.1777% | 2,886 |
| Core capital (leverage) ratio | 11.0323% | 2,569 |
| Tier 1 risk-based capital ratio | 23.2350% | 924 |
| Total risk-based capital ratio | 24.4856% | 898 |
| Memoranda: | ||
| Average total assets | $87,436,670 | 4,260 |
| Average earning assets | $77,484,330 | 4,303 |
| Average equity | $9,384,000 | 4,384 |
| Average total loans | $37,496,670 | 4,559 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 4,999 |
| Cost of funding earning assets | 0.2603% | 4,952 |
| Net interest margin | 3.2923% | 4,177 |
| Noninterest income to average assets | 0.7315% | 1,495 |
| Noninterest expense to average assets | 3.0214% | 1,931 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5270% | 4,441 |
| Return on assets (ROA) | 0.5270% | 4,461 |
| Pretax return on assets | 0.6406% | 4,437 |
| Return on Equity (ROE) | 5.0127% | 4,322 |
| Retained earnings to average equity (ytd only) | 2.8088% | 3,816 |
| Net charge-offs to loans | 0.0108% | 2,298 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 141.0000% | 527 |
| Efficiency ratio | 82.5062% | 828 |
| Assets per employee ($millions) | 2.9095% | 5,019 |
| Cash dividends to net income (ytd only)* | 43.9655% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5410% | 1,211 |
| Loan loss allowance to noncurrent loans | 2,111.1111% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 4,688 |
| Noncurrent loans to loans | 0.0730% | 4,432 |
| Net loans and leases to total assets | 41.7249% | 4,839 |
| Net loans and leases to deposits | 46.8557% | 4,904 |
| Net loans and leases to core deposits | 47.0470% | 4,961 |
| Total domestic deposits to total assets | 89.0498% | 835 |
| Equity capital to assets | 10.7463% | 3,110 |
| Core capital (leverage) ratio | 10.7889% | 2,774 |
| Tier 1 risk-based capital ratio | 23.1208% | 923 |
| Total risk-based capital ratio | 24.3724% | 900 |
| Memoranda: | ||
| Average total assets | $88,038,000 | 4,293 |
| Average earning assets | $78,363,500 | 4,334 |
| Average equity | $9,256,500 | 4,431 |
| Average total loans | $36,977,000 | 4,618 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4919% | 4,926 |
| Cost of funding earning assets | 0.2646% | 4,739 |
| Net interest margin | 3.2273% | 4,434 |
| Noninterest income to average assets | 0.7528% | 1,631 |
| Noninterest expense to average assets | 2.8587% | 2,489 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.7496% | 3,970 |
| Return on assets (ROA) | 0.7506% | 3,971 |
| Pretax return on assets | 0.8515% | 4,033 |
| Return on Equity (ROE) | 7.3618% | 3,707 |
| Retained earnings to average equity (ytd only) | 1.5076% | 4,530 |
| Net charge-offs to loans | -0.1549% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0720% | 1,225 |
| Assets per employee ($millions) | 2.9591% | 5,017 |
| Cash dividends to net income (ytd only)* | 79.5217% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5475% | 1,156 |
| Loan loss allowance to noncurrent loans | 1,330.2326% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 4,606 |
| Noncurrent loans to loans | 0.1163% | 4,201 |
| Net loans and leases to total assets | 40.9949% | 4,910 |
| Net loans and leases to deposits | 45.7473% | 4,990 |
| Net loans and leases to core deposits | 45.9298% | 5,041 |
| Total domestic deposits to total assets | 89.6116% | 617 |
| Equity capital to assets | 10.2679% | 3,413 |
| Core capital (leverage) ratio | 10.6519% | 2,888 |
| Tier 1 risk-based capital ratio | 23.1657% | 904 |
| Total risk-based capital ratio | 24.4161% | 875 |
| Memoranda: | ||
| Average total assets | $89,131,800 | 4,286 |
| Average earning assets | $81,647,200 | 4,295 |
| Average equity | $9,087,400 | 4,448 |
| Average total loans | $35,505,000 | 4,672 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4282% | 5,004 |
| Cost of funding earning assets | 0.2643% | 4,709 |
| Net interest margin | 3.1638% | 4,587 |
| Noninterest income to average assets | 0.7472% | 1,686 |
| Noninterest expense to average assets | 2.7810% | 2,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.7474% | 4,081 |
| Return on assets (ROA) | 0.7487% | 4,088 |
| Pretax return on assets | 0.8832% | 4,079 |
| Return on Equity (ROE) | 7.3562% | 3,796 |
| Retained earnings to average equity (ytd only) | 4.0085% | 3,765 |
| Net charge-offs to loans | -0.2466% | 5,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9282% | 1,361 |
| Assets per employee ($millions) | 3.0188% | 5,024 |
| Cash dividends to net income (ytd only)* | 45.5088% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5945% | 1,092 |
| Loan loss allowance to noncurrent loans | 5,281.8182% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 4,744 |
| Noncurrent loans to loans | 0.0302% | 4,754 |
| Net loans and leases to total assets | 40.9572% | 4,999 |
| Net loans and leases to deposits | 45.8399% | 5,058 |
| Net loans and leases to core deposits | 46.0253% | 5,110 |
| Total domestic deposits to total assets | 89.3483% | 720 |
| Equity capital to assets | 10.4301% | 3,206 |
| Core capital (leverage) ratio | 10.7706% | 2,824 |
| Tier 1 risk-based capital ratio | 24.2557% | 815 |
| Total risk-based capital ratio | 25.5081% | 798 |
| Memoranda: | ||
| Average total assets | $89,221,750 | 4,322 |
| Average earning assets | $82,218,750 | 4,322 |
| Average equity | $9,080,500 | 4,493 |
| Average total loans | $35,140,250 | 4,735 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3464% | 5,095 |
| Cost of funding earning assets | 0.2628% | 4,680 |
| Net interest margin | 3.0836% | 4,761 |
| Noninterest income to average assets | 0.7529% | 1,635 |
| Noninterest expense to average assets | 2.7890% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6798% | 4,249 |
| Return on assets (ROA) | 0.6817% | 4,253 |
| Pretax return on assets | 0.8153% | 4,204 |
| Return on Equity (ROE) | 6.7522% | 3,976 |
| Retained earnings to average equity (ytd only) | 3.3982% | 3,877 |
| Net charge-offs to loans | -0.3918% | 5,411 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4273% | 1,256 |
| Assets per employee ($millions) | 2.8835% | 5,170 |
| Cash dividends to net income (ytd only)* | 49.6732% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 960 |
| Loan loss allowance to noncurrent loans | 656.1798% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.1320% | 4,337 |
| Noncurrent loans to loans | 0.2542% | 3,790 |
| Net loans and leases to total assets | 38.5099% | 5,111 |
| Net loans and leases to deposits | 42.9489% | 5,171 |
| Net loans and leases to core deposits | 43.1184% | 5,213 |
| Total domestic deposits to total assets | 89.6644% | 683 |
| Equity capital to assets | 10.1555% | 3,483 |
| Core capital (leverage) ratio | 10.5266% | 3,005 |
| Tier 1 risk-based capital ratio | 25.1930% | 714 |
| Total risk-based capital ratio | 26.4461% | 703 |
| Memoranda: | ||
| Average total assets | $89,780,670 | 4,353 |
| Average earning assets | $82,954,000 | 4,344 |
| Average equity | $9,063,670 | 4,534 |
| Average total loans | $34,708,000 | 4,793 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2689% | 5,173 |
| Cost of funding earning assets | 0.2596% | 4,652 |
| Net interest margin | 3.0093% | 4,864 |
| Noninterest income to average assets | 0.7291% | 1,704 |
| Noninterest expense to average assets | 2.7741% | 2,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6046% | 4,412 |
| Return on assets (ROA) | 0.6046% | 4,418 |
| Pretax return on assets | 0.7380% | 4,331 |
| Return on Equity (ROE) | 6.0067% | 4,151 |
| Retained earnings to average equity (ytd only) | 2.6500% | 4,116 |
| Net charge-offs to loans | -0.6250% | 5,509 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9873% | 1,257 |
| Assets per employee ($millions) | 2.8750% | 5,236 |
| Cash dividends to net income (ytd only)* | 55.8824% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 1,030 |
| Loan loss allowance to noncurrent loans | 393.1034% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.2480% | 3,880 |
| Noncurrent loans to loans | 0.4221% | 3,272 |
| Net loans and leases to total assets | 37.8996% | 5,141 |
| Net loans and leases to deposits | 42.2769% | 5,209 |
| Net loans and leases to core deposits | 42.4437% | 5,256 |
| Total domestic deposits to total assets | 89.6460% | 813 |
| Equity capital to assets | 10.1520% | 3,451 |
| Core capital (leverage) ratio | 10.3601% | 3,106 |
| Tier 1 risk-based capital ratio | 25.7233% | 705 |
| Total risk-based capital ratio | 26.9771% | 688 |
| Memoranda: | ||
| Average total assets | $89,976,000 | 4,398 |
| Average earning assets | $83,209,500 | 4,389 |
| Average equity | $9,056,500 | 4,578 |
| Average total loans | $34,558,000 | 4,842 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2340% | 5,150 |
| Cost of funding earning assets | 0.2789% | 4,323 |
| Net interest margin | 2.9551% | 4,967 |
| Noninterest income to average assets | 0.7068% | 1,934 |
| Noninterest expense to average assets | 2.5892% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6344% | 3,872 |
| Return on assets (ROA) | 0.6344% | 3,906 |
| Pretax return on assets | 0.8385% | 4,129 |
| Return on Equity (ROE) | 6.2962% | 3,627 |
| Retained earnings to average equity (ytd only) | 1.0457% | 4,612 |
| Net charge-offs to loans | 0.1438% | 1,638 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 14.9804% | 2,279 |
| Efficiency ratio | 75.5363% | 1,689 |
| Assets per employee ($millions) | 3.2438% | 4,993 |
| Cash dividends to net income (ytd only)* | 83.3910% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 1,463 |
| Loan loss allowance to noncurrent loans | 653.1646% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,278 |
| Noncurrent loans to loans | 0.2272% | 3,993 |
| Net loans and leases to total assets | 37.7113% | 5,233 |
| Net loans and leases to deposits | 41.9421% | 5,298 |
| Net loans and leases to core deposits | 42.1040% | 5,340 |
| Total domestic deposits to total assets | 89.9127% | 599 |
| Equity capital to assets | 9.9805% | 3,734 |
| Core capital (leverage) ratio | 10.3080% | 3,060 |
| Tier 1 risk-based capital ratio | 26.3644% | 637 |
| Total risk-based capital ratio | 27.6151% | 628 |
| Memoranda: | ||
| Average total assets | $91,110,400 | 4,408 |
| Average earning assets | $83,890,000 | 4,404 |
| Average equity | $9,180,200 | 4,583 |
| Average total loans | $35,466,200 | 4,858 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2387% | 5,183 |
| Cost of funding earning assets | 0.2797% | 4,315 |
| Net interest margin | 2.9590% | 5,007 |
| Noninterest income to average assets | 0.7048% | 1,976 |
| Noninterest expense to average assets | 2.6335% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6332% | 4,259 |
| Return on assets (ROA) | 0.6332% | 4,316 |
| Pretax return on assets | 0.7940% | 4,365 |
| Return on Equity (ROE) | 6.2691% | 4,000 |
| Retained earnings to average equity (ytd only) | 2.9681% | 4,146 |
| Net charge-offs to loans | 0.1235% | 1,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 16.4541% | 2,168 |
| Efficiency ratio | 76.8345% | 1,479 |
| Assets per employee ($millions) | 3.0063% | 5,265 |
| Cash dividends to net income (ytd only)* | 52.6554% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 1,445 |
| Loan loss allowance to noncurrent loans | 255.5024% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.2839% | 3,933 |
| Noncurrent loans to loans | 0.5973% | 2,921 |
| Net loans and leases to total assets | 38.2035% | 5,259 |
| Net loans and leases to deposits | 42.8012% | 5,343 |
| Net loans and leases to core deposits | 42.9688% | 5,392 |
| Total domestic deposits to total assets | 89.2580% | 759 |
| Equity capital to assets | 10.4426% | 3,429 |
| Core capital (leverage) ratio | 10.2676% | 3,235 |
| Tier 1 risk-based capital ratio | 25.9661% | 680 |
| Total risk-based capital ratio | 27.2180% | 668 |
| Memoranda: | ||
| Average total assets | $91,181,250 | 4,446 |
| Average earning assets | $83,899,000 | 4,444 |
| Average equity | $9,209,000 | 4,632 |
| Average total loans | $35,640,750 | 4,901 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2188% | 5,215 |
| Cost of funding earning assets | 0.2831% | 4,254 |
| Net interest margin | 2.9357% | 5,032 |
| Noninterest income to average assets | 0.6884% | 2,043 |
| Noninterest expense to average assets | 2.6095% | 3,403 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6119% | 4,251 |
| Return on assets (ROA) | 0.6119% | 4,294 |
| Pretax return on assets | 0.7759% | 4,353 |
| Return on Equity (ROE) | 6.1274% | 3,992 |
| Retained earnings to average equity (ytd only) | 2.8011% | 4,033 |
| Net charge-offs to loans | 0.0390% | 2,418 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 50.7143% | 1,063 |
| Efficiency ratio | 77.0820% | 1,575 |
| Assets per employee ($millions) | 2.9420% | 5,322 |
| Cash dividends to net income (ytd only)* | 54.2857% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,307 |
| Loan loss allowance to noncurrent loans | 178.9137% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3596% | 3,681 |
| Noncurrent loans to loans | 0.8845% | 2,204 |
| Net loans and leases to total assets | 38.1889% | 5,297 |
| Net loans and leases to deposits | 42.6596% | 5,380 |
| Net loans and leases to core deposits | 42.8238% | 5,426 |
| Total domestic deposits to total assets | 89.5200% | 721 |
| Equity capital to assets | 10.2465% | 3,617 |
| Core capital (leverage) ratio | 10.2514% | 3,200 |
| Tier 1 risk-based capital ratio | 24.9417% | 755 |
| Total risk-based capital ratio | 26.1944% | 740 |
| Memoranda: | ||
| Average total assets | $91,512,330 | 4,469 |
| Average earning assets | $84,069,000 | 4,462 |
| Average equity | $9,139,330 | 4,661 |
| Average total loans | $35,858,000 | 4,931 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2014% | 5,246 |
| Cost of funding earning assets | 0.2858% | 4,189 |
| Net interest margin | 2.9156% | 5,058 |
| Noninterest income to average assets | 0.6676% | 2,102 |
| Noninterest expense to average assets | 2.6312% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5105% | 4,555 |
| Return on assets (ROA) | 0.5105% | 4,585 |
| Pretax return on assets | 0.7069% | 4,431 |
| Return on Equity (ROE) | 5.1790% | 4,310 |
| Retained earnings to average equity (ytd only) | 1.8149% | 4,391 |
| Net charge-offs to loans | 0.0332% | 2,111 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 856 |
| Efficiency ratio | 78.8235% | 1,515 |
| Assets per employee ($millions) | 2.9759% | 5,373 |
| Cash dividends to net income (ytd only)* | 64.9573% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 1,422 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0249% | 5,223 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 37.9851% | 5,326 |
| Net loans and leases to deposits | 42.2865% | 5,407 |
| Net loans and leases to core deposits | 42.4469% | 5,454 |
| Total domestic deposits to total assets | 89.8279% | 734 |
| Equity capital to assets | 9.8805% | 3,898 |
| Core capital (leverage) ratio | 9.9981% | 3,500 |
| Tier 1 risk-based capital ratio | 24.4152% | 828 |
| Total risk-based capital ratio | 25.6672% | 805 |
| Memoranda: | ||
| Average total assets | $91,667,500 | 4,507 |
| Average earning assets | $83,962,000 | 4,507 |
| Average equity | $9,036,500 | 4,712 |
| Average total loans | $36,092,500 | 4,970 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3229% | 5,129 |
| Cost of funding earning assets | 0.2994% | 4,070 |
| Net interest margin | 3.0234% | 4,909 |
| Noninterest income to average assets | 0.7012% | 2,163 |
| Noninterest expense to average assets | 2.5434% | 3,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7166% | 3,707 |
| Return on assets (ROA) | 0.7166% | 3,822 |
| Pretax return on assets | 0.9183% | 3,777 |
| Return on Equity (ROE) | 7.0400% | 3,445 |
| Retained earnings to average equity (ytd only) | 1.5488% | 4,639 |
| Net charge-offs to loans | 0.2400% | 1,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 9.2556% | 2,770 |
| Efficiency ratio | 73.4713% | 2,350 |
| Assets per employee ($millions) | 2.8463% | 5,456 |
| Cash dividends to net income (ytd only)* | 78.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 1,505 |
| Loan loss allowance to noncurrent loans | 885.9375% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,945 |
| Noncurrent loans to loans | 0.1750% | 4,535 |
| Net loans and leases to total assets | 39.5376% | 5,331 |
| Net loans and leases to deposits | 43.9584% | 5,433 |
| Net loans and leases to core deposits | 44.1264% | 5,483 |
| Total domestic deposits to total assets | 89.9432% | 655 |
| Equity capital to assets | 9.8350% | 3,900 |
| Core capital (leverage) ratio | 10.1016% | 3,362 |
| Tier 1 risk-based capital ratio | 24.3172% | 838 |
| Total risk-based capital ratio | 25.5698% | 812 |
| Memoranda: | ||
| Average total assets | $90,706,200 | 4,531 |
| Average earning assets | $82,820,000 | 4,540 |
| Average equity | $9,233,000 | 4,707 |
| Average total loans | $37,498,000 | 4,964 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3361% | 5,151 |
| Cost of funding earning assets | 0.3015% | 4,080 |
| Net interest margin | 3.0346% | 4,939 |
| Noninterest income to average assets | 0.7004% | 2,163 |
| Noninterest expense to average assets | 2.5603% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7069% | 3,806 |
| Return on assets (ROA) | 0.7092% | 3,931 |
| Pretax return on assets | 0.9123% | 3,939 |
| Return on Equity (ROE) | 6.9089% | 3,607 |
| Retained earnings to average equity (ytd only) | 3.6408% | 3,710 |
| Net charge-offs to loans | 0.3287% | 701 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 6.6450% | 2,979 |
| Efficiency ratio | 73.7913% | 2,326 |
| Assets per employee ($millions) | 2.9295% | 5,443 |
| Cash dividends to net income (ytd only)* | 47.3026% | 2,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5136% | 1,720 |
| Loan loss allowance to noncurrent loans | 671.4286% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 4,956 |
| Noncurrent loans to loans | 0.2254% | 4,463 |
| Net loans and leases to total assets | 40.4085% | 5,360 |
| Net loans and leases to deposits | 45.2658% | 5,479 |
| Net loans and leases to core deposits | 45.4407% | 5,532 |
| Total domestic deposits to total assets | 89.2694% | 767 |
| Equity capital to assets | 10.4113% | 3,664 |
| Core capital (leverage) ratio | 10.2696% | 3,257 |
| Tier 1 risk-based capital ratio | 25.3367% | 780 |
| Total risk-based capital ratio | 26.5906% | 762 |
| Memoranda: | ||
| Average total assets | $90,612,000 | 4,570 |
| Average earning assets | $82,689,000 | 4,571 |
| Average equity | $9,301,750 | 4,742 |
| Average total loans | $37,727,750 | 5,002 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3255% | 5,238 |
| Cost of funding earning assets | 0.3017% | 4,110 |
| Net interest margin | 3.0238% | 5,032 |
| Noninterest income to average assets | 0.6980% | 2,151 |
| Noninterest expense to average assets | 2.5733% | 3,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6914% | 3,837 |
| Return on assets (ROA) | 0.6914% | 3,987 |
| Pretax return on assets | 0.8924% | 3,979 |
| Return on Equity (ROE) | 6.7671% | 3,660 |
| Retained earnings to average equity (ytd only) | 3.4808% | 3,677 |
| Net charge-offs to loans | 0.2323% | 1,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 9.1818% | 2,437 |
| Efficiency ratio | 74.2511% | 2,323 |
| Assets per employee ($millions) | 2.8928% | 5,538 |
| Cash dividends to net income (ytd only)* | 48.5623% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6429% | 1,424 |
| Loan loss allowance to noncurrent loans | 863.3803% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 5,208 |
| Noncurrent loans to loans | 0.1903% | 4,675 |
| Net loans and leases to total assets | 40.9229% | 5,382 |
| Net loans and leases to deposits | 45.8736% | 5,502 |
| Net loans and leases to core deposits | 46.1982% | 5,556 |
| Total domestic deposits to total assets | 89.2078% | 806 |
| Equity capital to assets | 10.4800% | 3,659 |
| Core capital (leverage) ratio | 10.0538% | 3,505 |
| Tier 1 risk-based capital ratio | 25.5857% | 760 |
| Total risk-based capital ratio | 26.8396% | 744 |
| Memoranda: | ||
| Average total assets | $90,544,330 | 4,609 |
| Average earning assets | $82,874,670 | 4,607 |
| Average equity | $9,250,670 | 4,787 |
| Average total loans | $37,883,330 | 5,045 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3261% | 5,271 |
| Cost of funding earning assets | 0.3032% | 4,127 |
| Net interest margin | 3.0228% | 5,065 |
| Noninterest income to average assets | 0.7079% | 2,006 |
| Noninterest expense to average assets | 2.5501% | 3,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7079% | 3,678 |
| Return on assets (ROA) | 0.7079% | 3,793 |
| Pretax return on assets | 0.9189% | 3,771 |
| Return on Equity (ROE) | 7.0175% | 3,444 |
| Retained earnings to average equity (ytd only) | 3.7049% | 3,638 |
| Net charge-offs to loans | 0.4925% | 450 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.4468% | 2,434 |
| Efficiency ratio | 73.5108% | 2,556 |
| Assets per employee ($millions) | 2.9316% | 5,573 |
| Cash dividends to net income (ytd only)* | 47.2050% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 1,601 |
| Loan loss allowance to noncurrent loans | 10,166.6667% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 5,260 |
| Noncurrent loans to loans | 0.0158% | 5,455 |
| Net loans and leases to total assets | 41.2132% | 5,389 |
| Net loans and leases to deposits | 46.0407% | 5,500 |
| Net loans and leases to core deposits | 46.2173% | 5,577 |
| Total domestic deposits to total assets | 89.5149% | 828 |
| Equity capital to assets | 10.1969% | 3,844 |
| Core capital (leverage) ratio | 9.9398% | 3,610 |
| Tier 1 risk-based capital ratio | 24.8768% | 826 |
| Total risk-based capital ratio | 26.1308% | 810 |
| Memoranda: | ||
| Average total assets | $90,978,500 | 4,640 |
| Average earning assets | $83,101,500 | 4,645 |
| Average equity | $9,177,000 | 4,822 |
| Average total loans | $38,169,500 | 5,072 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4047% | 5,148 |
| Cost of funding earning assets | 0.3673% | 3,512 |
| Net interest margin | 3.0375% | 5,054 |
| Noninterest income to average assets | 0.6818% | 2,284 |
| Noninterest expense to average assets | 2.5624% | 4,035 |
| Loan and lease loss provision to assets | 0.0277% | 3,826 |
| Net operating income to assets | 0.6553% | 4,016 |
| Return on assets (ROA) | 0.6553% | 4,109 |
| Pretax return on assets | 0.8656% | 3,970 |
| Return on Equity (ROE) | 6.4959% | 3,784 |
| Retained earnings to average equity (ytd only) | 1.2070% | 5,026 |
| Net charge-offs to loans | 0.2004% | 1,456 |
| Credit loss provision to net charge-offs | 31.6456% | 3,628 |
| Earnings coverage of net charge-offs (x) | 10.2152% | 2,715 |
| Efficiency ratio | 74.1512% | 2,560 |
| Assets per employee ($millions) | 2.9379% | 5,576 |
| Cash dividends to net income (ytd only)* | 81.4189% | 842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 1,321 |
| Loan loss allowance to noncurrent loans | 294.6188% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3777% | 4,083 |
| Noncurrent loans to loans | 0.5826% | 3,428 |
| Net loans and leases to total assets | 41.3029% | 5,451 |
| Net loans and leases to deposits | 46.0333% | 5,561 |
| Net loans and leases to core deposits | 46.2091% | 5,640 |
| Total domestic deposits to total assets | 89.7240% | 741 |
| Equity capital to assets | 9.9774% | 3,986 |
| Core capital (leverage) ratio | 9.8730% | 3,683 |
| Tier 1 risk-based capital ratio | 24.3487% | 882 |
| Total risk-based capital ratio | 25.6039% | 863 |
| Memoranda: | ||
| Average total assets | $90,346,000 | 4,663 |
| Average earning assets | $82,502,800 | 4,665 |
| Average equity | $9,113,400 | 4,820 |
| Average total loans | $39,414,000 | 5,037 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4039% | 5,196 |
| Cost of funding earning assets | 0.3814% | 3,416 |
| Net interest margin | 3.0224% | 5,147 |
| Noninterest income to average assets | 0.6950% | 2,247 |
| Noninterest expense to average assets | 2.6189% | 3,805 |
| Loan and lease loss provision to assets | 0.0370% | 3,474 |
| Net operating income to assets | 0.6048% | 4,360 |
| Return on assets (ROA) | 0.6048% | 4,461 |
| Pretax return on assets | 0.8045% | 4,327 |
| Return on Equity (ROE) | 5.9794% | 4,161 |
| Retained earnings to average equity (ytd only) | 2.6315% | 4,536 |
| Net charge-offs to loans | 0.0101% | 3,819 |
| Credit loss provision to net charge-offs | 833.3333% | 431 |
| Earnings coverage of net charge-offs (x) | 189.6625% | 379 |
| Efficiency ratio | 75.6838% | 2,291 |
| Assets per employee ($millions) | 2.7916% | 5,763 |
| Cash dividends to net income (ytd only)* | 55.9910% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8803% | 1,114 |
| Loan loss allowance to noncurrent loans | 281.9231% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 0.4164% | 4,110 |
| Noncurrent loans to loans | 0.6669% | 3,330 |
| Net loans and leases to total assets | 42.8189% | 5,436 |
| Net loans and leases to deposits | 47.9282% | 5,574 |
| Net loans and leases to core deposits | 48.1157% | 5,650 |
| Total domestic deposits to total assets | 89.3398% | 846 |
| Equity capital to assets | 10.3479% | 3,759 |
| Core capital (leverage) ratio | 9.9526% | 3,707 |
| Tier 1 risk-based capital ratio | 21.9117% | 1,205 |
| Total risk-based capital ratio | 23.1678% | 1,184 |
| Memoranda: | ||
| Average total assets | $90,161,250 | 4,721 |
| Average earning assets | $82,492,750 | 4,725 |
| Average equity | $9,120,000 | 4,884 |
| Average total loans | $39,699,000 | 5,076 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4064% | 5,215 |
| Cost of funding earning assets | 0.3922% | 3,353 |
| Net interest margin | 3.0142% | 5,191 |
| Noninterest income to average assets | 0.6789% | 2,304 |
| Noninterest expense to average assets | 2.5963% | 3,921 |
| Loan and lease loss provision to assets | 0.0553% | 3,003 |
| Net operating income to assets | 0.5816% | 4,426 |
| Return on assets (ROA) | 0.5816% | 4,521 |
| Pretax return on assets | 0.7806% | 4,386 |
| Return on Equity (ROE) | 5.7938% | 4,236 |
| Retained earnings to average equity (ytd only) | 2.4453% | 4,497 |
| Net charge-offs to loans | -0.0601% | 5,615 |
| Credit loss provision to net charge-offs | -208.3333% | 5,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6443% | 2,421 |
| Assets per employee ($millions) | 2.8454% | 5,770 |
| Cash dividends to net income (ytd only)* | 57.7947% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 1,176 |
| Loan loss allowance to noncurrent loans | 262.4561% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.4107% | 4,270 |
| Noncurrent loans to loans | 0.7216% | 3,321 |
| Net loans and leases to total assets | 42.5528% | 5,465 |
| Net loans and leases to deposits | 47.4706% | 5,614 |
| Net loans and leases to core deposits | 47.9809% | 5,691 |
| Total domestic deposits to total assets | 89.6402% | 819 |
| Equity capital to assets | 10.0127% | 4,023 |
| Core capital (leverage) ratio | 9.8528% | 3,797 |
| Tier 1 risk-based capital ratio | 21.8814% | 1,225 |
| Total risk-based capital ratio | 23.1381% | 1,205 |
| Memoranda: | ||
| Average total assets | $90,437,670 | 4,755 |
| Average earning assets | $82,610,330 | 4,768 |
| Average equity | $9,078,670 | 4,929 |
| Average total loans | $39,937,330 | 5,106 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3965% | 5,212 |
| Cost of funding earning assets | 0.3898% | 3,416 |
| Net interest margin | 3.0067% | 5,199 |
| Noninterest income to average assets | 0.6835% | 2,238 |
| Noninterest expense to average assets | 2.6140% | 3,883 |
| Loan and lease loss provision to assets | 0.1110% | 1,864 |
| Net operating income to assets | 0.4971% | 4,697 |
| Return on assets (ROA) | 0.4971% | 4,817 |
| Pretax return on assets | 0.6968% | 4,603 |
| Return on Equity (ROE) | 4.9451% | 4,556 |
| Retained earnings to average equity (ytd only) | 1.5895% | 4,839 |
| Net charge-offs to loans | 0.2490% | 963 |
| Credit loss provision to net charge-offs | 100.0000% | 1,606 |
| Earnings coverage of net charge-offs (x) | 7.2800% | 2,185 |
| Efficiency ratio | 76.3943% | 2,451 |
| Assets per employee ($millions) | 2.8357% | 5,845 |
| Cash dividends to net income (ytd only)* | 67.8571% | 1,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7863% | 1,525 |
| Loan loss allowance to noncurrent loans | 197.5000% | 2,248 |
| Noncurrent assets plus other real estate owned to assets | 0.5709% | 3,770 |
| Noncurrent loans to loans | 0.9045% | 2,977 |
| Net loans and leases to total assets | 43.0809% | 5,421 |
| Net loans and leases to deposits | 48.0216% | 5,564 |
| Net loans and leases to core deposits | 48.5386% | 5,647 |
| Total domestic deposits to total assets | 89.7114% | 897 |
| Equity capital to assets | 10.0583% | 4,083 |
| Core capital (leverage) ratio | 9.9006% | 3,747 |
| Tier 1 risk-based capital ratio | 21.7556% | 1,281 |
| Total risk-based capital ratio | 23.0109% | 1,256 |
| Memoranda: | ||
| Average total assets | $90,129,500 | 4,807 |
| Average earning assets | $82,084,000 | 4,819 |
| Average equity | $9,059,500 | 4,975 |
| Average total loans | $40,159,000 | 5,133 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5527% | 5,204 |
| Cost of funding earning assets | 0.4366% | 3,315 |
| Net interest margin | 3.1161% | 5,167 |
| Noninterest income to average assets | 0.7333% | 2,151 |
| Noninterest expense to average assets | 2.6506% | 4,049 |
| Loan and lease loss provision to assets | 0.2155% | 1,159 |
| Net operating income to assets | 0.5172% | 4,744 |
| Return on assets (ROA) | 0.5189% | 4,822 |
| Pretax return on assets | 0.6783% | 4,702 |
| Return on Equity (ROE) | 5.3061% | 4,512 |
| Retained earnings to average equity (ytd only) | 1.3265% | 5,181 |
| Net charge-offs to loans | 0.3328% | 1,324 |
| Credit loss provision to net charge-offs | 141.0072% | 1,683 |
| Earnings coverage of net charge-offs (x) | 5.8345% | 3,343 |
| Efficiency ratio | 74.8293% | 2,687 |
| Assets per employee ($millions) | 2.7974% | 5,931 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7549% | 1,645 |
| Loan loss allowance to noncurrent loans | 143.6364% | 2,904 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 3,763 |
| Noncurrent loans to loans | 1.2218% | 2,404 |
| Net loans and leases to total assets | 44.4648% | 5,435 |
| Net loans and leases to deposits | 49.5321% | 5,607 |
| Net loans and leases to core deposits | 50.0723% | 5,712 |
| Total domestic deposits to total assets | 89.7697% | 848 |
| Equity capital to assets | 10.0449% | 4,053 |
| Core capital (leverage) ratio | 9.9807% | 3,593 |
| Tier 1 risk-based capital ratio | 22.1718% | 1,201 |
| Total risk-based capital ratio | 23.4288% | 1,176 |
| Memoranda: | ||
| Average total assets | $90,959,400 | 4,814 |
| Average earning assets | $81,993,400 | 4,856 |
| Average equity | $8,895,400 | 4,998 |
| Average total loans | $41,771,200 | 5,114 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5306% | 5,321 |
| Cost of funding earning assets | 0.4438% | 3,324 |
| Net interest margin | 3.0869% | 5,294 |
| Noninterest income to average assets | 0.7213% | 2,218 |
| Noninterest expense to average assets | 2.7098% | 3,795 |
| Loan and lease loss provision to assets | 0.2190% | 1,046 |
| Net operating income to assets | 0.4227% | 5,164 |
| Return on assets (ROA) | 0.4249% | 5,236 |
| Pretax return on assets | 0.5782% | 5,094 |
| Return on Equity (ROE) | 4.3736% | 5,012 |
| Retained earnings to average equity (ytd only) | 1.7134% | 5,192 |
| Net charge-offs to loans | 0.3928% | 1,013 |
| Credit loss provision to net charge-offs | 120.9677% | 1,901 |
| Earnings coverage of net charge-offs (x) | 4.3871% | 3,475 |
| Efficiency ratio | 77.3333% | 2,296 |
| Assets per employee ($millions) | 2.7251% | 6,057 |
| Cash dividends to net income (ytd only)* | 60.8237% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 2,027 |
| Loan loss allowance to noncurrent loans | 235.2941% | 1,906 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 4,828 |
| Noncurrent loans to loans | 0.7153% | 3,819 |
| Net loans and leases to total assets | 44.1742% | 5,512 |
| Net loans and leases to deposits | 49.2200% | 5,690 |
| Net loans and leases to core deposits | 49.7539% | 5,804 |
| Total domestic deposits to total assets | 89.7485% | 848 |
| Equity capital to assets | 9.9557% | 4,218 |
| Core capital (leverage) ratio | 9.7510% | 3,994 |
| Tier 1 risk-based capital ratio | 22.1792% | 1,239 |
| Total risk-based capital ratio | 23.4346% | 1,220 |
| Memoranda: | ||
| Average total assets | $91,319,750 | 4,857 |
| Average earning assets | $82,324,750 | 4,896 |
| Average equity | $8,871,250 | 5,044 |
| Average total loans | $42,085,250 | 5,161 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 5,360 |
| Cost of funding earning assets | 0.4556% | 3,256 |
| Net interest margin | 3.0678% | 5,352 |
| Noninterest income to average assets | 0.7104% | 2,224 |
| Noninterest expense to average assets | 2.7194% | 3,797 |
| Loan and lease loss provision to assets | 0.2266% | 1,016 |
| Net operating income to assets | 0.3609% | 5,369 |
| Return on assets (ROA) | 0.3639% | 5,425 |
| Pretax return on assets | 0.5273% | 5,202 |
| Return on Equity (ROE) | 3.7766% | 5,244 |
| Retained earnings to average equity (ytd only) | 0.9046% | 5,389 |
| Net charge-offs to loans | 0.4455% | 916 |
| Credit loss provision to net charge-offs | 109.4737% | 1,832 |
| Earnings coverage of net charge-offs (x) | 3.6211% | 3,257 |
| Efficiency ratio | 78.3920% | 2,247 |
| Assets per employee ($millions) | 2.7149% | 6,120 |
| Cash dividends to net income (ytd only)* | 76.0479% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6185% | 2,396 |
| Loan loss allowance to noncurrent loans | 196.7359% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 4,693 |
| Noncurrent loans to loans | 0.8227% | 3,646 |
| Net loans and leases to total assets | 43.6604% | 5,556 |
| Net loans and leases to deposits | 48.5379% | 5,738 |
| Net loans and leases to core deposits | 49.0489% | 5,848 |
| Total domestic deposits to total assets | 89.9510% | 840 |
| Equity capital to assets | 9.6536% | 4,555 |
| Core capital (leverage) ratio | 9.5871% | 4,192 |
| Tier 1 risk-based capital ratio | 21.6132% | 1,325 |
| Total risk-based capital ratio | 22.8688% | 1,302 |
| Memoranda: | ||
| Average total assets | $91,783,670 | 4,883 |
| Average earning assets | $82,534,000 | 4,922 |
| Average equity | $8,844,000 | 5,074 |
| Average total loans | $42,645,330 | 5,175 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5604% | 5,274 |
| Cost of funding earning assets | 0.4689% | 3,236 |
| Net interest margin | 3.0916% | 5,280 |
| Noninterest income to average assets | 0.7037% | 2,150 |
| Noninterest expense to average assets | 2.7972% | 3,577 |
| Loan and lease loss provision to assets | 0.2404% | 917 |
| Net operating income to assets | 0.2579% | 5,639 |
| Return on assets (ROA) | 0.2579% | 5,680 |
| Pretax return on assets | 0.4327% | 5,353 |
| Return on Equity (ROE) | 2.6786% | 5,570 |
| Retained earnings to average equity (ytd only) | -0.7718% | 5,692 |
| Net charge-offs to loans | 0.0828% | 2,318 |
| Credit loss provision to net charge-offs | 611.1111% | 458 |
| Earnings coverage of net charge-offs (x) | 17.1111% | 1,470 |
| Efficiency ratio | 80.6045% | 2,106 |
| Assets per employee ($millions) | 2.7001% | 6,202 |
| Cash dividends to net income (ytd only)* | 128.8136% | 490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 2,553 |
| Loan loss allowance to noncurrent loans | 130.3538% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6143% | 4,290 |
| Noncurrent loans to loans | 1.2564% | 2,939 |
| Net loans and leases to total assets | 45.7949% | 5,351 |
| Net loans and leases to deposits | 50.8675% | 5,535 |
| Net loans and leases to core deposits | 51.4049% | 5,655 |
| Total domestic deposits to total assets | 90.0278% | 1,064 |
| Equity capital to assets | 9.5942% | 4,361 |
| Core capital (leverage) ratio | 9.5731% | 4,173 |
| Tier 1 risk-based capital ratio | 21.3098% | 1,417 |
| Total risk-based capital ratio | 22.5657% | 1,391 |
| Memoranda: | ||
| Average total assets | $91,521,500 | 4,923 |
| Average earning assets | $81,900,000 | 4,979 |
| Average equity | $8,810,500 | 5,103 |
| Average total loans | $43,485,500 | 5,187 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7172% | 5,079 |
| Cost of funding earning assets | 0.5172% | 3,430 |
| Net interest margin | 3.2000% | 5,005 |
| Noninterest income to average assets | 0.7898% | 2,127 |
| Noninterest expense to average assets | 2.6394% | 4,318 |
| Loan and lease loss provision to assets | 0.2633% | 1,349 |
| Net operating income to assets | 0.5474% | 4,516 |
| Return on assets (ROA) | 0.5474% | 4,647 |
| Pretax return on assets | 0.7449% | 4,359 |
| Return on Equity (ROE) | 5.6085% | 4,321 |
| Retained earnings to average equity (ytd only) | 1.0453% | 5,372 |
| Net charge-offs to loans | 0.4620% | 1,437 |
| Credit loss provision to net charge-offs | 113.7441% | 2,123 |
| Earnings coverage of net charge-offs (x) | 4.3555% | 3,595 |
| Efficiency ratio | 72.3609% | 3,407 |
| Assets per employee ($millions) | 2.6835% | 6,240 |
| Cash dividends to net income (ytd only)* | 81.3627% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 3,292 |
| Loan loss allowance to noncurrent loans | 112.1784% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.6686% | 4,233 |
| Noncurrent loans to loans | 1.3181% | 2,934 |
| Net loans and leases to total assets | 47.7597% | 5,315 |
| Net loans and leases to deposits | 53.0039% | 5,549 |
| Net loans and leases to core deposits | 53.5662% | 5,701 |
| Total domestic deposits to total assets | 90.1061% | 1,026 |
| Equity capital to assets | 9.6594% | 4,206 |
| Core capital (leverage) ratio | 9.6360% | 4,073 |
| Tier 1 risk-based capital ratio | 20.9404% | 1,431 |
| Total risk-based capital ratio | 22.1936% | 1,412 |
| Memoranda: | ||
| Average total assets | $91,156,600 | 4,948 |
| Average earning assets | $81,405,600 | 5,002 |
| Average equity | $8,897,200 | 5,113 |
| Average total loans | $45,673,400 | 5,126 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7351% | 5,075 |
| Cost of funding earning assets | 0.5258% | 3,513 |
| Net interest margin | 3.2093% | 4,967 |
| Noninterest income to average assets | 0.7593% | 2,324 |
| Noninterest expense to average assets | 2.6787% | 4,099 |
| Loan and lease loss provision to assets | 0.2399% | 1,501 |
| Net operating income to assets | 0.5003% | 4,791 |
| Return on assets (ROA) | 0.5003% | 4,955 |
| Pretax return on assets | 0.6978% | 4,698 |
| Return on Equity (ROE) | 5.1130% | 4,666 |
| Retained earnings to average equity (ytd only) | 1.7044% | 5,288 |
| Net charge-offs to loans | 0.5822% | 1,080 |
| Credit loss provision to net charge-offs | 81.5920% | 2,806 |
| Earnings coverage of net charge-offs (x) | 3.1891% | 3,774 |
| Efficiency ratio | 74.0696% | 3,058 |
| Assets per employee ($millions) | 2.6483% | 6,330 |
| Cash dividends to net income (ytd only)* | 66.6659% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,322 |
| Loan loss allowance to noncurrent loans | 198.3165% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 5,045 |
| Noncurrent loans to loans | 0.6618% | 4,547 |
| Net loans and leases to total assets | 49.1848% | 5,228 |
| Net loans and leases to deposits | 54.8005% | 5,471 |
| Net loans and leases to core deposits | 55.5706% | 5,663 |
| Total domestic deposits to total assets | 89.7526% | 1,135 |
| Equity capital to assets | 9.8354% | 4,122 |
| Core capital (leverage) ratio | 9.5871% | 4,272 |
| Tier 1 risk-based capital ratio | 20.8449% | 1,523 |
| Total risk-based capital ratio | 22.0966% | 1,497 |
| Memoranda: | ||
| Average total assets | $91,136,250 | 5,000 |
| Average earning assets | $81,137,500 | 5,049 |
| Average equity | $8,918,250 | 5,157 |
| Average total loans | $46,034,500 | 5,160 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7427% | 5,013 |
| Cost of funding earning assets | 0.5333% | 3,573 |
| Net interest margin | 3.2095% | 4,915 |
| Noninterest income to average assets | 0.7585% | 2,372 |
| Noninterest expense to average assets | 2.6426% | 4,242 |
| Loan and lease loss provision to assets | 0.2404% | 1,549 |
| Net operating income to assets | 0.5202% | 4,717 |
| Return on assets (ROA) | 0.5202% | 4,885 |
| Pretax return on assets | 0.7169% | 4,627 |
| Return on Equity (ROE) | 5.3250% | 4,551 |
| Retained earnings to average equity (ytd only) | 1.9242% | 5,043 |
| Net charge-offs to loans | 0.8703% | 717 |
| Credit loss provision to net charge-offs | 54.4554% | 3,134 |
| Earnings coverage of net charge-offs (x) | 2.1683% | 3,805 |
| Efficiency ratio | 73.4062% | 3,241 |
| Assets per employee ($millions) | 2.7943% | 6,172 |
| Cash dividends to net income (ytd only)* | 63.8655% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1680% | 5,156 |
| Loan loss allowance to noncurrent loans | 740.2778% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 5,603 |
| Noncurrent loans to loans | 0.1578% | 5,928 |
| Net loans and leases to total assets | 48.9080% | 5,233 |
| Net loans and leases to deposits | 54.2460% | 5,503 |
| Net loans and leases to core deposits | 54.9860% | 5,673 |
| Total domestic deposits to total assets | 90.1596% | 945 |
| Equity capital to assets | 9.5725% | 4,487 |
| Core capital (leverage) ratio | 9.5148% | 4,224 |
| Tier 1 risk-based capital ratio | 20.2542% | 1,666 |
| Total risk-based capital ratio | 21.4857% | 1,646 |
| Memoranda: | ||
| Average total assets | $91,501,000 | 5,020 |
| Average earning assets | $81,010,330 | 5,088 |
| Average equity | $8,939,000 | 5,187 |
| Average total loans | $46,420,670 | 5,161 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7624% | 4,948 |
| Cost of funding earning assets | 0.5539% | 3,533 |
| Net interest margin | 3.2085% | 4,901 |
| Noninterest income to average assets | 0.7066% | 2,557 |
| Noninterest expense to average assets | 2.6244% | 4,319 |
| Loan and lease loss provision to assets | 0.2414% | 1,501 |
| Net operating income to assets | 0.4652% | 4,850 |
| Return on assets (ROA) | 0.4652% | 5,011 |
| Pretax return on assets | 0.6627% | 4,737 |
| Return on Equity (ROE) | 4.7137% | 4,730 |
| Retained earnings to average equity (ytd only) | 1.3341% | 5,316 |
| Net charge-offs to loans | 0.7519% | 809 |
| Credit loss provision to net charge-offs | 62.5000% | 2,403 |
| Earnings coverage of net charge-offs (x) | 2.3409% | 3,066 |
| Efficiency ratio | 74.3781% | 3,197 |
| Assets per employee ($millions) | 2.7008% | 6,399 |
| Cash dividends to net income (ytd only)* | 71.6981% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 4,838 |
| Loan loss allowance to noncurrent loans | 243.6214% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.3779% | 5,458 |
| Noncurrent loans to loans | 0.5223% | 5,131 |
| Net loans and leases to total assets | 50.0240% | 4,985 |
| Net loans and leases to deposits | 55.6355% | 5,282 |
| Net loans and leases to core deposits | 56.3985% | 5,488 |
| Total domestic deposits to total assets | 89.9138% | 1,107 |
| Equity capital to assets | 9.8009% | 4,414 |
| Core capital (leverage) ratio | 9.5516% | 3,997 |
| Tier 1 risk-based capital ratio | 20.3016% | 1,699 |
| Total risk-based capital ratio | 21.5533% | 1,672 |
| Memoranda: | ||
| Average total assets | $91,145,500 | 5,072 |
| Average earning assets | $80,162,000 | 5,147 |
| Average equity | $8,995,000 | 5,224 |
| Average total loans | $46,815,000 | 5,178 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 5,301 |
| Cost of funding earning assets | 0.8146% | 2,547 |
| Net interest margin | 3.1873% | 5,600 |
| Noninterest income to average assets | 0.8768% | 1,940 |
| Noninterest expense to average assets | 2.6844% | 4,457 |
| Loan and lease loss provision to assets | 0.3409% | 1,973 |
| Net operating income to assets | 0.5320% | 4,554 |
| Return on assets (ROA) | 0.5337% | 4,813 |
| Pretax return on assets | 0.7143% | 4,621 |
| Return on Equity (ROE) | 5.2856% | 4,546 |
| Retained earnings to average equity (ytd only) | 0.7884% | 5,467 |
| Net charge-offs to loans | 0.7059% | 1,675 |
| Credit loss provision to net charge-offs | 87.3563% | 3,580 |
| Earnings coverage of net charge-offs (x) | 2.6983% | 4,083 |
| Efficiency ratio | 71.8272% | 3,448 |
| Assets per employee ($millions) | 2.7413% | 6,376 |
| Cash dividends to net income (ytd only)* | 85.0840% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 4,508 |
| Loan loss allowance to noncurrent loans | 85.7339% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 0.9087% | 4,222 |
| Noncurrent loans to loans | 1.5477% | 3,296 |
| Net loans and leases to total assets | 51.3768% | 4,990 |
| Net loans and leases to deposits | 57.2659% | 5,315 |
| Net loans and leases to core deposits | 57.8828% | 5,558 |
| Total domestic deposits to total assets | 89.7162% | 1,115 |
| Equity capital to assets | 9.9378% | 4,257 |
| Core capital (leverage) ratio | 9.7989% | 3,660 |
| Tier 1 risk-based capital ratio | 20.2359% | 1,621 |
| Total risk-based capital ratio | 21.4879% | 1,590 |
| Memoranda: | ||
| Average total assets | $89,183,600 | 5,109 |
| Average earning assets | $80,037,600 | 5,122 |
| Average equity | $9,005,600 | 5,227 |
| Average total loans | $49,301,000 | 5,134 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 5,441 |
| Cost of funding earning assets | 0.8623% | 2,444 |
| Net interest margin | 3.1636% | 5,790 |
| Noninterest income to average assets | 0.9137% | 1,784 |
| Noninterest expense to average assets | 2.6962% | 4,383 |
| Loan and lease loss provision to assets | 0.2371% | 2,682 |
| Net operating income to assets | 0.6170% | 4,314 |
| Return on assets (ROA) | 0.6182% | 4,561 |
| Pretax return on assets | 0.8387% | 4,342 |
| Return on Equity (ROE) | 6.0971% | 4,289 |
| Retained earnings to average equity (ytd only) | 2.7230% | 4,916 |
| Net charge-offs to loans | 0.4894% | 2,150 |
| Credit loss provision to net charge-offs | 86.3388% | 3,421 |
| Earnings coverage of net charge-offs (x) | 3.9126% | 3,459 |
| Efficiency ratio | 71.5082% | 3,412 |
| Assets per employee ($millions) | 2.6709% | 6,531 |
| Cash dividends to net income (ytd only)* | 55.3393% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 4,687 |
| Loan loss allowance to noncurrent loans | 96.9880% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 0.7885% | 4,736 |
| Noncurrent loans to loans | 1.3687% | 3,734 |
| Net loans and leases to total assets | 54.3113% | 4,708 |
| Net loans and leases to deposits | 60.8685% | 5,100 |
| Net loans and leases to core deposits | 61.5549% | 5,397 |
| Total domestic deposits to total assets | 89.2274% | 1,298 |
| Equity capital to assets | 10.3835% | 3,969 |
| Core capital (leverage) ratio | 9.9316% | 3,646 |
| Tier 1 risk-based capital ratio | 20.0575% | 1,740 |
| Total risk-based capital ratio | 21.3098% | 1,711 |
| Memoranda: | ||
| Average total assets | $88,863,750 | 5,177 |
| Average earning assets | $80,245,250 | 5,169 |
| Average equity | $9,009,500 | 5,267 |
| Average total loans | $49,850,750 | 5,172 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0124% | 5,605 |
| Cost of funding earning assets | 0.9032% | 2,371 |
| Net interest margin | 3.1092% | 5,978 |
| Noninterest income to average assets | 0.9741% | 1,532 |
| Noninterest expense to average assets | 2.6688% | 4,544 |
| Loan and lease loss provision to assets | 0.2514% | 2,567 |
| Net operating income to assets | 0.6582% | 4,072 |
| Return on assets (ROA) | 0.6599% | 4,320 |
| Pretax return on assets | 0.8686% | 4,204 |
| Return on Equity (ROE) | 6.5610% | 4,019 |
| Retained earnings to average equity (ytd only) | 3.1689% | 4,507 |
| Net charge-offs to loans | 0.2624% | 3,007 |
| Credit loss provision to net charge-offs | 169.6970% | 1,648 |
| Earnings coverage of net charge-offs (x) | 7.5455% | 2,457 |
| Efficiency ratio | 70.4801% | 3,684 |
| Assets per employee ($millions) | 2.6882% | 6,542 |
| Cash dividends to net income (ytd only)* | 51.7007% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 4,299 |
| Loan loss allowance to noncurrent loans | 189.1534% | 1,802 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 5,610 |
| Noncurrent loans to loans | 0.7602% | 4,990 |
| Net loans and leases to total assets | 55.2417% | 4,586 |
| Net loans and leases to deposits | 61.7780% | 5,026 |
| Net loans and leases to core deposits | 62.4678% | 5,347 |
| Total domestic deposits to total assets | 89.4197% | 1,260 |
| Equity capital to assets | 10.2241% | 4,025 |
| Core capital (leverage) ratio | 9.7971% | 3,721 |
| Tier 1 risk-based capital ratio | 19.9031% | 1,722 |
| Total risk-based capital ratio | 21.1584% | 1,692 |
| Memoranda: | ||
| Average total assets | $89,105,000 | 5,194 |
| Average earning assets | $80,599,330 | 5,187 |
| Average equity | $8,962,000 | 5,279 |
| Average total loans | $50,296,330 | 5,182 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9972% | 5,761 |
| Cost of funding earning assets | 0.9522% | 2,289 |
| Net interest margin | 3.0450% | 6,199 |
| Noninterest income to average assets | 0.7570% | 2,365 |
| Noninterest expense to average assets | 2.6786% | 4,509 |
| Loan and lease loss provision to assets | 0.2016% | 2,925 |
| Net operating income to assets | 0.4390% | 5,090 |
| Return on assets (ROA) | 0.4390% | 5,282 |
| Pretax return on assets | 0.6271% | 5,024 |
| Return on Equity (ROE) | 4.4005% | 5,096 |
| Retained earnings to average equity (ytd only) | 0.9879% | 5,679 |
| Net charge-offs to loans | 0.4824% | 1,884 |
| Credit loss provision to net charge-offs | 73.7705% | 2,847 |
| Earnings coverage of net charge-offs (x) | 3.0328% | 2,979 |
| Efficiency ratio | 76.3729% | 2,733 |
| Assets per employee ($millions) | 2.7112% | 6,621 |
| Cash dividends to net income (ytd only)* | 77.5510% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3048% | 5,001 |
| Loan loss allowance to noncurrent loans | 175.0670% | 1,876 |
| Noncurrent assets plus other real estate owned to assets | 0.4985% | 5,615 |
| Noncurrent loans to loans | 0.7453% | 5,176 |
| Net loans and leases to total assets | 55.2068% | 4,520 |
| Net loans and leases to deposits | 61.5512% | 4,979 |
| Net loans and leases to core deposits | 62.2298% | 5,298 |
| Total domestic deposits to total assets | 89.6925% | 1,247 |
| Equity capital to assets | 9.9521% | 4,184 |
| Core capital (leverage) ratio | 9.6826% | 3,794 |
| Tier 1 risk-based capital ratio | 19.3907% | 1,875 |
| Total risk-based capital ratio | 20.6443% | 1,838 |
| Memoranda: | ||
| Average total assets | $89,301,500 | 5,231 |
| Average earning assets | $80,657,000 | 5,227 |
| Average equity | $8,908,000 | 5,311 |
| Average total loans | $50,584,000 | 5,203 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2738% | 5,844 |
| Cost of funding earning assets | 1.0845% | 2,773 |
| Net interest margin | 3.1892% | 6,125 |
| Noninterest income to average assets | 0.7934% | 2,100 |
| Noninterest expense to average assets | 2.6315% | 4,982 |
| Loan and lease loss provision to assets | 0.2626% | 3,593 |
| Net operating income to assets | 0.6342% | 3,811 |
| Return on assets (ROA) | 0.6526% | 3,924 |
| Pretax return on assets | 0.8001% | 3,979 |
| Return on Equity (ROE) | 6.5677% | 3,604 |
| Retained earnings to average equity (ytd only) | 0.8659% | 5,456 |
| Net charge-offs to loans | 0.3086% | 3,855 |
| Credit loss provision to net charge-offs | 145.9627% | 1,964 |
| Earnings coverage of net charge-offs (x) | 5.7826% | 2,687 |
| Efficiency ratio | 71.6677% | 3,643 |
| Assets per employee ($millions) | 2.7010% | 6,609 |
| Cash dividends to net income (ytd only)* | 86.8151% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,863 |
| Loan loss allowance to noncurrent loans | 97.5219% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.8089% | 5,012 |
| Noncurrent loans to loans | 1.3419% | 4,132 |
| Net loans and leases to total assets | 56.6035% | 4,606 |
| Net loans and leases to deposits | 63.2774% | 5,093 |
| Net loans and leases to core deposits | 63.9787% | 5,465 |
| Total domestic deposits to total assets | 89.4530% | 1,294 |
| Equity capital to assets | 9.9984% | 4,172 |
| Core capital (leverage) ratio | 9.6358% | 3,820 |
| Tier 1 risk-based capital ratio | 19.3548% | 1,803 |
| Total risk-based capital ratio | 20.6070% | 1,771 |
| Memoranda: | ||
| Average total assets | $89,492,000 | 5,197 |
| Average earning assets | $80,771,800 | 5,205 |
| Average equity | $8,892,000 | 5,309 |
| Average total loans | $52,173,400 | 5,181 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2904% | 5,976 |
| Cost of funding earning assets | 1.1063% | 2,934 |
| Net interest margin | 3.1840% | 6,196 |
| Noninterest income to average assets | 0.8439% | 1,860 |
| Noninterest expense to average assets | 2.6582% | 4,877 |
| Loan and lease loss provision to assets | 0.2009% | 4,012 |
| Net operating income to assets | 0.7210% | 3,502 |
| Return on assets (ROA) | 0.7457% | 3,570 |
| Pretax return on assets | 0.8930% | 3,795 |
| Return on Equity (ROE) | 7.5164% | 3,268 |
| Retained earnings to average equity (ytd only) | 4.0958% | 3,814 |
| Net charge-offs to loans | 0.3534% | 3,327 |
| Credit loss provision to net charge-offs | 97.1223% | 3,528 |
| Earnings coverage of net charge-offs (x) | 5.1439% | 2,865 |
| Efficiency ratio | 71.4114% | 3,665 |
| Assets per employee ($millions) | 2.4913% | 6,900 |
| Cash dividends to net income (ytd only)* | 45.5088% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 5,727 |
| Loan loss allowance to noncurrent loans | 79.4355% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 4,905 |
| Noncurrent loans to loans | 1.4355% | 4,137 |
| Net loans and leases to total assets | 57.1300% | 4,658 |
| Net loans and leases to deposits | 64.0022% | 5,171 |
| Net loans and leases to core deposits | 64.7152% | 5,547 |
| Total domestic deposits to total assets | 89.2624% | 1,275 |
| Equity capital to assets | 10.2001% | 4,085 |
| Core capital (leverage) ratio | 9.8142% | 3,690 |
| Tier 1 risk-based capital ratio | 19.7408% | 1,750 |
| Total risk-based capital ratio | 20.9919% | 1,723 |
| Memoranda: | ||
| Average total assets | $89,581,500 | 5,231 |
| Average earning assets | $80,985,250 | 5,241 |
| Average equity | $8,887,000 | 5,342 |
| Average total loans | $52,436,250 | 5,217 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3164% | 5,968 |
| Cost of funding earning assets | 1.1273% | 3,057 |
| Net interest margin | 3.1891% | 6,195 |
| Noninterest income to average assets | 0.8152% | 1,947 |
| Noninterest expense to average assets | 2.6333% | 5,067 |
| Loan and lease loss provision to assets | 0.1831% | 4,087 |
| Net operating income to assets | 0.7397% | 3,336 |
| Return on assets (ROA) | 0.7772% | 3,297 |
| Pretax return on assets | 0.9247% | 3,536 |
| Return on Equity (ROE) | 7.9091% | 2,981 |
| Retained earnings to average equity (ytd only) | 4.4545% | 3,358 |
| Net charge-offs to loans | 0.1862% | 4,046 |
| Credit loss provision to net charge-offs | 167.3469% | 1,808 |
| Earnings coverage of net charge-offs (x) | 9.7143% | 1,886 |
| Efficiency ratio | 71.2387% | 3,893 |
| Assets per employee ($millions) | 2.4986% | 6,909 |
| Cash dividends to net income (ytd only)* | 43.6782% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 5,519 |
| Loan loss allowance to noncurrent loans | 72.5173% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 4,522 |
| Noncurrent loans to loans | 1.6620% | 3,928 |
| Net loans and leases to total assets | 57.2285% | 4,782 |
| Net loans and leases to deposits | 63.8966% | 5,291 |
| Net loans and leases to core deposits | 64.8072% | 5,628 |
| Total domestic deposits to total assets | 89.5642% | 1,207 |
| Equity capital to assets | 9.9778% | 4,180 |
| Core capital (leverage) ratio | 9.6348% | 3,754 |
| Tier 1 risk-based capital ratio | 19.7395% | 1,661 |
| Total risk-based capital ratio | 20.9924% | 1,634 |
| Memoranda: | ||
| Average total assets | $89,547,000 | 5,273 |
| Average earning assets | $80,901,670 | 5,292 |
| Average equity | $8,800,000 | 5,381 |
| Average total loans | $52,639,000 | 5,257 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3335% | 5,906 |
| Cost of funding earning assets | 1.1553% | 3,122 |
| Net interest margin | 3.1783% | 6,139 |
| Noninterest income to average assets | 0.8282% | 1,929 |
| Noninterest expense to average assets | 2.6638% | 4,984 |
| Loan and lease loss provision to assets | 0.1612% | 4,016 |
| Net operating income to assets | 0.7253% | 3,400 |
| Return on assets (ROA) | 0.7253% | 3,461 |
| Pretax return on assets | 0.8730% | 3,606 |
| Return on Equity (ROE) | 7.4376% | 3,181 |
| Retained earnings to average equity (ytd only) | 3.9484% | 3,808 |
| Net charge-offs to loans | 0.1588% | 3,533 |
| Credit loss provision to net charge-offs | 171.4286% | 1,686 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,590 |
| Efficiency ratio | 72.0339% | 3,858 |
| Assets per employee ($millions) | 2.6442% | 6,778 |
| Cash dividends to net income (ytd only)* | 46.9136% | 1,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,806 |
| Loan loss allowance to noncurrent loans | 97.6000% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.9877% | 4,931 |
| Noncurrent loans to loans | 1.1868% | 4,703 |
| Net loans and leases to total assets | 57.8975% | 4,662 |
| Net loans and leases to deposits | 64.4108% | 5,201 |
| Net loans and leases to core deposits | 65.1191% | 5,610 |
| Total domestic deposits to total assets | 89.8879% | 1,219 |
| Equity capital to assets | 9.7395% | 4,124 |
| Core capital (leverage) ratio | 9.6718% | 3,566 |
| Tier 1 risk-based capital ratio | 19.0639% | 1,785 |
| Total risk-based capital ratio | 20.3159% | 1,746 |
| Memoranda: | ||
| Average total assets | $89,345,500 | 5,313 |
| Average earning assets | $80,673,000 | 5,341 |
| Average equity | $8,712,500 | 5,405 |
| Average total loans | $52,906,000 | 5,292 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7131% | 5,765 |
| Cost of funding earning assets | 1.4334% | 3,055 |
| Net interest margin | 3.2797% | 6,039 |
| Noninterest income to average assets | 0.9080% | 1,830 |
| Noninterest expense to average assets | 2.7691% | 4,711 |
| Loan and lease loss provision to assets | 0.3538% | 4,006 |
| Net operating income to assets | 0.6307% | 3,529 |
| Return on assets (ROA) | 0.6326% | 3,677 |
| Pretax return on assets | 0.7617% | 3,754 |
| Return on Equity (ROE) | 6.2654% | 3,471 |
| Retained earnings to average equity (ytd only) | 0.4793% | 5,342 |
| Net charge-offs to loans | 0.7654% | 2,725 |
| Credit loss provision to net charge-offs | 73.6211% | 5,769 |
| Earnings coverage of net charge-offs (x) | 2.3165% | 3,987 |
| Efficiency ratio | 71.3268% | 3,931 |
| Assets per employee ($millions) | 2.5368% | 6,951 |
| Cash dividends to net income (ytd only)* | 92.3497% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 5,880 |
| Loan loss allowance to noncurrent loans | 97.5410% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9675% | 5,070 |
| Noncurrent loans to loans | 1.1477% | 4,815 |
| Net loans and leases to total assets | 59.1920% | 4,807 |
| Net loans and leases to deposits | 65.8135% | 5,428 |
| Net loans and leases to core deposits | 66.5451% | 5,825 |
| Total domestic deposits to total assets | 89.9391% | 1,135 |
| Equity capital to assets | 9.7636% | 4,039 |
| Core capital (leverage) ratio | 9.8059% | 3,308 |
| Tier 1 risk-based capital ratio | 18.8803% | 1,751 |
| Total risk-based capital ratio | 20.1306% | 1,720 |
| Memoranda: | ||
| Average total assets | $86,779,400 | 5,386 |
| Average earning assets | $78,696,200 | 5,394 |
| Average equity | $8,762,400 | 5,489 |
| Average total loans | $54,481,000 | 5,298 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7713% | 5,779 |
| Cost of funding earning assets | 1.4815% | 3,075 |
| Net interest margin | 3.2897% | 6,053 |
| Noninterest income to average assets | 0.9087% | 1,766 |
| Noninterest expense to average assets | 2.8358% | 4,325 |
| Loan and lease loss provision to assets | 0.1746% | 5,296 |
| Net operating income to assets | 0.6976% | 3,422 |
| Return on assets (ROA) | 0.7000% | 3,570 |
| Pretax return on assets | 0.8901% | 3,591 |
| Return on Equity (ROE) | 6.8745% | 3,408 |
| Retained earnings to average equity (ytd only) | 3.4145% | 4,047 |
| Net charge-offs to loans | 0.5911% | 2,969 |
| Credit loss provision to net charge-offs | 46.5021% | 5,934 |
| Earnings coverage of net charge-offs (x) | 2.8272% | 3,721 |
| Efficiency ratio | 72.7597% | 3,564 |
| Assets per employee ($millions) | 2.4416% | 7,145 |
| Cash dividends to net income (ytd only)* | 50.3311% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0687% | 6,081 |
| Loan loss allowance to noncurrent loans | 79.4199% | 3,399 |
| Noncurrent assets plus other real estate owned to assets | 1.0859% | 4,944 |
| Noncurrent loans to loans | 1.3456% | 4,612 |
| Net loans and leases to total assets | 62.2875% | 4,463 |
| Net loans and leases to deposits | 69.9112% | 5,157 |
| Net loans and leases to core deposits | 70.7343% | 5,676 |
| Total domestic deposits to total assets | 89.0951% | 1,343 |
| Equity capital to assets | 10.4719% | 3,548 |
| Core capital (leverage) ratio | 10.0811% | 3,169 |
| Tier 1 risk-based capital ratio | 19.3860% | 1,663 |
| Total risk-based capital ratio | 20.6363% | 1,636 |
| Memoranda: | ||
| Average total assets | $86,277,000 | 5,465 |
| Average earning assets | $78,384,250 | 5,471 |
| Average equity | $8,785,750 | 5,555 |
| Average total loans | $54,813,500 | 5,357 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7716% | 5,892 |
| Cost of funding earning assets | 1.5414% | 3,004 |
| Net interest margin | 3.2302% | 6,217 |
| Noninterest income to average assets | 0.8712% | 1,797 |
| Noninterest expense to average assets | 2.8007% | 4,475 |
| Loan and lease loss provision to assets | 0.1548% | 5,348 |
| Net operating income to assets | 0.6614% | 3,575 |
| Return on assets (ROA) | 0.6632% | 3,714 |
| Pretax return on assets | 0.8573% | 3,670 |
| Return on Equity (ROE) | 6.5740% | 3,514 |
| Retained earnings to average equity (ytd only) | 3.0923% | 4,141 |
| Net charge-offs to loans | 0.5802% | 2,795 |
| Credit loss provision to net charge-offs | 41.8750% | 5,583 |
| Earnings coverage of net charge-offs (x) | 2.7313% | 3,626 |
| Efficiency ratio | 73.4991% | 3,561 |
| Assets per employee ($millions) | 2.4764% | 7,133 |
| Cash dividends to net income (ytd only)* | 52.9617% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1241% | 5,826 |
| Loan loss allowance to noncurrent loans | 89.2128% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.8988% | 5,321 |
| Noncurrent loans to loans | 1.2601% | 4,860 |
| Net loans and leases to total assets | 62.1063% | 4,663 |
| Net loans and leases to deposits | 69.4518% | 5,358 |
| Net loans and leases to core deposits | 70.2191% | 5,852 |
| Total domestic deposits to total assets | 89.4236% | 1,213 |
| Equity capital to assets | 10.1668% | 3,813 |
| Core capital (leverage) ratio | 9.8485% | 3,344 |
| Tier 1 risk-based capital ratio | 18.8563% | 1,752 |
| Total risk-based capital ratio | 20.1067% | 1,724 |
| Memoranda: | ||
| Average total assets | $86,550,330 | 5,494 |
| Average earning assets | $78,757,330 | 5,482 |
| Average equity | $8,731,330 | 5,578 |
| Average total loans | $55,150,000 | 5,374 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7772% | 5,977 |
| Cost of funding earning assets | 1.5806% | 3,076 |
| Net interest margin | 3.1966% | 6,305 |
| Noninterest income to average assets | 0.8371% | 1,853 |
| Noninterest expense to average assets | 2.8119% | 4,444 |
| Loan and lease loss provision to assets | 0.1665% | 4,863 |
| Net operating income to assets | 0.5689% | 4,036 |
| Return on assets (ROA) | 0.5689% | 4,181 |
| Pretax return on assets | 0.7770% | 3,966 |
| Return on Equity (ROE) | 5.6610% | 4,029 |
| Retained earnings to average equity (ytd only) | 2.1632% | 4,834 |
| Net charge-offs to loans | 0.7999% | 1,933 |
| Credit loss provision to net charge-offs | 32.4324% | 4,779 |
| Earnings coverage of net charge-offs (x) | 1.8378% | 3,635 |
| Efficiency ratio | 74.8768% | 3,429 |
| Assets per employee ($millions) | 2.5570% | 7,118 |
| Cash dividends to net income (ytd only)* | 61.7886% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1431% | 5,809 |
| Loan loss allowance to noncurrent loans | 76.5492% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.9466% | 5,252 |
| Noncurrent loans to loans | 1.4933% | 4,506 |
| Net loans and leases to total assets | 62.6681% | 4,620 |
| Net loans and leases to deposits | 69.9999% | 5,344 |
| Net loans and leases to core deposits | 71.0006% | 5,832 |
| Total domestic deposits to total assets | 89.5260% | 1,227 |
| Equity capital to assets | 10.0208% | 3,843 |
| Core capital (leverage) ratio | 9.8312% | 3,367 |
| Tier 1 risk-based capital ratio | 19.0175% | 1,719 |
| Total risk-based capital ratio | 20.2696% | 1,683 |
| Memoranda: | ||
| Average total assets | $86,488,500 | 5,558 |
| Average earning assets | $78,959,000 | 5,545 |
| Average equity | $8,691,000 | 5,634 |
| Average total loans | $55,504,000 | 5,437 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3418% | 4,977 |
| Cost of funding earning assets | 1.8608% | 3,672 |
| Net interest margin | 3.4810% | 5,035 |
| Noninterest income to average assets | 0.9707% | 1,662 |
| Noninterest expense to average assets | 2.8219% | 4,881 |
| Loan and lease loss provision to assets | 0.1958% | 5,772 |
| Net operating income to assets | 0.9508% | 2,003 |
| Return on assets (ROA) | 0.9576% | 2,036 |
| Pretax return on assets | 1.1712% | 2,032 |
| Return on Equity (ROE) | 9.2624% | 1,936 |
| Retained earnings to average equity (ytd only) | 1.6987% | 3,895 |
| Net charge-offs to loans | 0.2499% | 5,062 |
| Credit loss provision to net charge-offs | 118.7050% | 4,533 |
| Earnings coverage of net charge-offs (x) | 8.2374% | 1,972 |
| Efficiency ratio | 67.4993% | 5,097 |
| Assets per employee ($millions) | 2.4582% | 7,270 |
| Cash dividends to net income (ytd only)* | 81.6605% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2613% | 4,982 |
| Loan loss allowance to noncurrent loans | 142.7126% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.5951% | 5,975 |
| Noncurrent loans to loans | 0.8838% | 5,535 |
| Net loans and leases to total assets | 64.1461% | 4,576 |
| Net loans and leases to deposits | 71.6232% | 5,381 |
| Net loans and leases to core deposits | 79.7578% | 6,125 |
| Total domestic deposits to total assets | 89.5604% | 1,181 |
| Equity capital to assets | 10.0769% | 3,651 |
| Core capital (leverage) ratio | 9.8648% | 3,249 |
| Tier 1 risk-based capital ratio | 18.0935% | 1,866 |
| Total risk-based capital ratio | 19.3466% | 1,825 |
| Memoranda: | ||
| Average total assets | $84,269,800 | 5,585 |
| Average earning assets | $77,707,800 | 5,535 |
| Average equity | $8,712,600 | 5,694 |
| Average total loans | $55,631,600 | 5,434 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3813% | 5,033 |
| Cost of funding earning assets | 1.9092% | 3,832 |
| Net interest margin | 3.4721% | 4,982 |
| Noninterest income to average assets | 1.0100% | 1,567 |
| Noninterest expense to average assets | 2.8900% | 4,500 |
| Loan and lease loss provision to assets | 0.0779% | 6,586 |
| Net operating income to assets | 0.9474% | 2,241 |
| Return on assets (ROA) | 0.9559% | 2,272 |
| Pretax return on assets | 1.2581% | 2,084 |
| Return on Equity (ROE) | 9.1859% | 2,195 |
| Retained earnings to average equity (ytd only) | 5.7469% | 2,082 |
| Net charge-offs to loans | 0.3119% | 4,090 |
| Credit loss provision to net charge-offs | 37.6923% | 6,446 |
| Earnings coverage of net charge-offs (x) | 6.4077% | 2,612 |
| Efficiency ratio | 68.5660% | 4,869 |
| Assets per employee ($millions) | 2.5029% | 7,222 |
| Cash dividends to net income (ytd only)* | 37.4374% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0718% | 5,887 |
| Loan loss allowance to noncurrent loans | 164.2857% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.5640% | 6,048 |
| Noncurrent loans to loans | 0.6524% | 5,992 |
| Net loans and leases to total assets | 64.8613% | 4,682 |
| Net loans and leases to deposits | 72.8827% | 5,526 |
| Net loans and leases to core deposits | 80.7198% | 6,290 |
| Total domestic deposits to total assets | 88.9941% | 1,200 |
| Equity capital to assets | 10.5182% | 3,491 |
| Core capital (leverage) ratio | 10.1206% | 3,150 |
| Tier 1 risk-based capital ratio | 18.7495% | 1,806 |
| Total risk-based capital ratio | 19.9991% | 1,767 |
| Memoranda: | ||
| Average total assets | $83,827,750 | 5,624 |
| Average earning assets | $77,376,500 | 5,582 |
| Average equity | $8,723,250 | 5,746 |
| Average total loans | $55,565,750 | 5,480 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5440% | 4,365 |
| Cost of funding earning assets | 1.9858% | 3,844 |
| Net interest margin | 3.5583% | 4,543 |
| Noninterest income to average assets | 0.8801% | 2,060 |
| Noninterest expense to average assets | 2.9303% | 4,381 |
| Loan and lease loss provision to assets | 0.0216% | 7,016 |
| Net operating income to assets | 0.9082% | 2,428 |
| Return on assets (ROA) | 0.9208% | 2,472 |
| Pretax return on assets | 1.2278% | 2,223 |
| Return on Equity (ROE) | 8.8814% | 2,401 |
| Retained earnings to average equity (ytd only) | 5.4352% | 2,277 |
| Net charge-offs to loans | 0.3712% | 3,331 |
| Credit loss provision to net charge-offs | 8.7379% | 6,197 |
| Earnings coverage of net charge-offs (x) | 4.9903% | 2,938 |
| Efficiency ratio | 70.3917% | 4,701 |
| Assets per employee ($millions) | 2.3274% | 7,513 |
| Cash dividends to net income (ytd only)* | 38.8021% | 2,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 5,890 |
| Loan loss allowance to noncurrent loans | 137.9717% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.7722% | 5,469 |
| Noncurrent loans to loans | 0.7631% | 5,715 |
| Net loans and leases to total assets | 65.6180% | 4,642 |
| Net loans and leases to deposits | 73.6336% | 5,513 |
| Net loans and leases to core deposits | 81.3627% | 6,295 |
| Total domestic deposits to total assets | 89.1142% | 1,208 |
| Equity capital to assets | 10.4394% | 3,475 |
| Core capital (leverage) ratio | 10.0142% | 3,283 |
| Tier 1 risk-based capital ratio | 18.6658% | 1,849 |
| Total risk-based capital ratio | 19.9151% | 1,801 |
| Memoranda: | ||
| Average total assets | $83,403,670 | 5,685 |
| Average earning assets | $76,947,670 | 5,636 |
| Average equity | $8,647,330 | 5,800 |
| Average total loans | $55,489,330 | 5,533 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4869% | 4,980 |
| Cost of funding earning assets | 2.1135% | 3,588 |
| Net interest margin | 3.3733% | 5,242 |
| Noninterest income to average assets | 0.8941% | 1,879 |
| Noninterest expense to average assets | 2.9852% | 3,836 |
| Loan and lease loss provision to assets | 0.0240% | 6,607 |
| Net operating income to assets | 0.7835% | 3,199 |
| Return on assets (ROA) | 0.7835% | 3,366 |
| Pretax return on assets | 0.9999% | 3,344 |
| Return on Equity (ROE) | 7.5836% | 3,340 |
| Retained earnings to average equity (ytd only) | 4.1873% | 3,585 |
| Net charge-offs to loans | 0.2092% | 3,385 |
| Credit loss provision to net charge-offs | 17.2414% | 5,104 |
| Earnings coverage of net charge-offs (x) | 7.3448% | 2,360 |
| Efficiency ratio | 74.4604% | 3,741 |
| Assets per employee ($millions) | 2.3377% | 7,546 |
| Cash dividends to net income (ytd only)* | 44.7853% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 4,882 |
| Loan loss allowance to noncurrent loans | 107.3770% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.8437% | 5,082 |
| Noncurrent loans to loans | 1.1062% | 4,772 |
| Net loans and leases to total assets | 64.7464% | 4,853 |
| Net loans and leases to deposits | 72.4680% | 5,688 |
| Net loans and leases to core deposits | 80.1412% | 6,372 |
| Total domestic deposits to total assets | 89.3448% | 1,081 |
| Equity capital to assets | 10.2488% | 3,712 |
| Core capital (leverage) ratio | 10.0052% | 3,410 |
| Tier 1 risk-based capital ratio | 18.5437% | 1,916 |
| Total risk-based capital ratio | 19.7950% | 1,876 |
| Memoranda: | ||
| Average total assets | $83,211,500 | 5,701 |
| Average earning assets | $76,838,000 | 5,662 |
| Average equity | $8,597,500 | 5,848 |
| Average total loans | $55,451,500 | 5,566 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7487% | 6,604 |
| Cost of funding earning assets | 2.3972% | 4,727 |
| Net interest margin | 3.3516% | 5,858 |
| Noninterest income to average assets | 0.9504% | 1,766 |
| Noninterest expense to average assets | 2.7355% | 5,109 |
| Loan and lease loss provision to assets | 0.1180% | 5,860 |
| Net operating income to assets | 0.9759% | 2,660 |
| Return on assets (ROA) | 0.9759% | 2,539 |
| Pretax return on assets | 1.2035% | 2,624 |
| Return on Equity (ROE) | 9.3247% | 2,508 |
| Retained earnings to average equity (ytd only) | -1.6510% | 5,779 |
| Net charge-offs to loans | 0.1801% | 4,395 |
| Credit loss provision to net charge-offs | 95.0980% | 5,545 |
| Earnings coverage of net charge-offs (x) | 10.6471% | 2,484 |
| Efficiency ratio | 67.4265% | 4,834 |
| Assets per employee ($millions) | 2.2852% | 7,585 |
| Cash dividends to net income (ytd only)* | 117.7057% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2177% | 4,401 |
| Loan loss allowance to noncurrent loans | 77.7778% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 1.1888% | 3,877 |
| Noncurrent loans to loans | 1.5656% | 3,434 |
| Net loans and leases to total assets | 66.9539% | 4,647 |
| Net loans and leases to deposits | 75.0187% | 5,729 |
| Net loans and leases to core deposits | 81.9987% | 6,464 |
| Total domestic deposits to total assets | 89.2496% | 940 |
| Equity capital to assets | 10.4173% | 3,594 |
| Core capital (leverage) ratio | 9.9673% | 3,475 |
| Tier 1 risk-based capital ratio | 18.3609% | 1,947 |
| Total risk-based capital ratio | 19.6135% | 1,896 |
| Memoranda: | ||
| Average total assets | $82,179,800 | 5,624 |
| Average earning assets | $76,173,400 | 5,580 |
| Average equity | $8,600,800 | 5,873 |
| Average total loans | $56,625,000 | 5,424 |