Home > Rushville State Bank > Performance and Condition Ratios
Rushville 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 | 3.8332% | 4,143 |
| Cost of funding earning assets | 0.5661% | 4,122 |
| Net interest margin | 3.2671% | 2,712 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 2.0157% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5143% | 987 |
| Return on assets (ROA) | 1.5143% | 958 |
| Pretax return on assets | 1.5374% | 1,347 |
| Return on Equity (ROE) | 22.0400% | 456 |
| Retained earnings to average equity (ytd only) | 11.0660% | 779 |
| Net charge-offs to loans | 0.0055% | 2,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 621.3333% | 237 |
| Efficiency ratio | 56.7317% | 3,426 |
| Assets per employee ($millions) | 8.6768% | 1,122 |
| Cash dividends to net income (ytd only)* | 49.7821% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 1,762 |
| Loan loss allowance to noncurrent loans | 219.5584% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.2610% | 1,915 |
| Noncurrent loans to loans | 0.5927% | 1,329 |
| Net loans and leases to total assets | 43.4500% | 3,918 |
| Net loans and leases to deposits | 47.9193% | 4,001 |
| Net loans and leases to core deposits | 54.2269% | 3,970 |
| Total domestic deposits to total assets | 90.6800% | 585 |
| Equity capital to assets | 7.8164% | 3,531 |
| Core capital (leverage) ratio | 13.7256% | 860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $121,245,600 | 3,645 |
| Average earning assets | $113,770,400 | 3,609 |
| Average equity | $8,331,800 | 3,895 |
| Average total loans | $54,457,400 | 3,783 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8049% | 4,110 |
| Cost of funding earning assets | 0.4928% | 4,149 |
| Net interest margin | 3.3121% | 2,652 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 1.9638% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6096% | 926 |
| Return on assets (ROA) | 1.6096% | 916 |
| Pretax return on assets | 1.6338% | 1,293 |
| Return on Equity (ROE) | 24.2600% | 418 |
| Retained earnings to average equity (ytd only) | 14.2765% | 640 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.5872% | 3,539 |
| Assets per employee ($millions) | 7.2556% | 1,785 |
| Cash dividends to net income (ytd only)* | 41.1483% | 1,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 1,966 |
| Loan loss allowance to noncurrent loans | 212.4620% | 2,429 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 1,871 |
| Noncurrent loans to loans | 0.6020% | 1,339 |
| Net loans and leases to total assets | 46.4700% | 3,809 |
| Net loans and leases to deposits | 50.2426% | 3,926 |
| Net loans and leases to core deposits | 56.7122% | 3,824 |
| Total domestic deposits to total assets | 92.4900% | 377 |
| Equity capital to assets | 6.1126% | 3,952 |
| Core capital (leverage) ratio | 13.8509% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $121,188,250 | 3,652 |
| Average earning assets | $113,640,500 | 3,623 |
| Average equity | $8,041,000 | 3,931 |
| Average total loans | $54,701,500 | 3,781 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7058% | 4,138 |
| Cost of funding earning assets | 0.3937% | 4,175 |
| Net interest margin | 3.3121% | 2,721 |
| Noninterest income to average assets | 0.5000% | 1,875 |
| Noninterest expense to average assets | 1.9091% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6828% | 812 |
| Return on assets (ROA) | 1.6828% | 816 |
| Pretax return on assets | 1.7089% | 1,191 |
| Return on Equity (ROE) | 24.7500% | 396 |
| Retained earnings to average equity (ytd only) | 13.0206% | 806 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 52.7665% | 3,717 |
| Assets per employee ($millions) | 7.4341% | 1,636 |
| Cash dividends to net income (ytd only)* | 47.3888% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2769% | 2,026 |
| Loan loss allowance to noncurrent loans | 213.1098% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 1,822 |
| Noncurrent loans to loans | 0.5992% | 1,243 |
| Net loans and leases to total assets | 45.4300% | 3,824 |
| Net loans and leases to deposits | 49.6117% | 3,931 |
| Net loans and leases to core deposits | 52.6284% | 3,932 |
| Total domestic deposits to total assets | 91.5800% | 492 |
| Equity capital to assets | 6.9990% | 3,802 |
| Core capital (leverage) ratio | 13.2625% | 948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $122,888,000 | 3,648 |
| Average earning assets | $115,819,333 | 3,611 |
| Average equity | $8,356,000 | 3,924 |
| Average total loans | $54,719,667 | 3,796 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6404% | 4,115 |
| Cost of funding earning assets | 0.4075% | 3,952 |
| Net interest margin | 3.2329% | 3,033 |
| Noninterest income to average assets | 0.5100% | 1,809 |
| Noninterest expense to average assets | 1.8261% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.7107% | 806 |
| Return on assets (ROA) | 1.7107% | 803 |
| Pretax return on assets | 1.7364% | 1,202 |
| Return on Equity (ROE) | 25.5200% | 381 |
| Retained earnings to average equity (ytd only) | 17.8224% | 527 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.2590% | 3,836 |
| Assets per employee ($millions) | 8.2511% | 1,225 |
| Cash dividends to net income (ytd only)* | 30.1498% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 2,136 |
| Loan loss allowance to noncurrent loans | 64.4834% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.8758% | 516 |
| Noncurrent loans to loans | 1.9820% | 283 |
| Net loans and leases to total assets | 43.6300% | 3,882 |
| Net loans and leases to deposits | 48.8046% | 3,936 |
| Net loans and leases to core deposits | 52.0695% | 3,909 |
| Total domestic deposits to total assets | 89.3900% | 1,384 |
| Equity capital to assets | 6.9446% | 3,860 |
| Core capital (leverage) ratio | 12.6408% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $124,859,500 | 3,671 |
| Average earning assets | $117,790,500 | 3,635 |
| Average equity | $8,371,500 | 3,970 |
| Average total loans | $54,709,000 | 3,838 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9861% | 4,149 |
| Cost of funding earning assets | 0.2494% | 3,324 |
| Net interest margin | 2.7367% | 3,998 |
| Noninterest income to average assets | 0.4500% | 2,387 |
| Noninterest expense to average assets | 1.6029% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.3546% | 1,267 |
| Return on assets (ROA) | 1.3546% | 1,224 |
| Pretax return on assets | 1.3840% | 1,809 |
| Return on Equity (ROE) | 16.7300% | 913 |
| Retained earnings to average equity (ytd only) | 9.0492% | 1,467 |
| Net charge-offs to loans | 0.0042% | 2,299 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 872.5000% | 206 |
| Efficiency ratio | 53.6644% | 3,820 |
| Assets per employee ($millions) | 8.9966% | 917 |
| Cash dividends to net income (ytd only)* | 45.9016% | 1,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2773% | 2,009 |
| Loan loss allowance to noncurrent loans | 64.3054% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.8630% | 534 |
| Noncurrent loans to loans | 1.9863% | 288 |
| Net loans and leases to total assets | 42.8900% | 3,933 |
| Net loans and leases to deposits | 47.7675% | 3,984 |
| Net loans and leases to core deposits | 50.4369% | 3,965 |
| Total domestic deposits to total assets | 89.8000% | 1,446 |
| Equity capital to assets | 6.4691% | 3,913 |
| Core capital (leverage) ratio | 12.4677% | 1,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $126,085,200 | 3,676 |
| Average earning assets | $116,672,800 | 3,659 |
| Average equity | $10,210,800 | 3,843 |
| Average total loans | $48,078,000 | 3,923 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8392% | 4,145 |
| Cost of funding earning assets | 0.1939% | 3,349 |
| Net interest margin | 2.6453% | 4,033 |
| Noninterest income to average assets | 0.4300% | 2,559 |
| Noninterest expense to average assets | 1.5171% | 4,403 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2866% | 1,399 |
| Return on assets (ROA) | 1.2866% | 1,367 |
| Pretax return on assets | 1.3511% | 1,882 |
| Return on Equity (ROE) | 15.1300% | 1,144 |
| Retained earnings to average equity (ytd only) | 9.0614% | 1,630 |
| Net charge-offs to loans | 0.0029% | 2,141 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 1,278.0000% | 107 |
| Efficiency ratio | 52.8935% | 3,926 |
| Assets per employee ($millions) | 8.8159% | 964 |
| Cash dividends to net income (ytd only)* | 40.0986% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 1,738 |
| Loan loss allowance to noncurrent loans | 64.6353% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.8775% | 554 |
| Noncurrent loans to loans | 2.1113% | 280 |
| Net loans and leases to total assets | 40.9900% | 4,029 |
| Net loans and leases to deposits | 45.2193% | 4,059 |
| Net loans and leases to core deposits | 47.5933% | 4,042 |
| Total domestic deposits to total assets | 90.6500% | 1,385 |
| Equity capital to assets | 5.6886% | 4,078 |
| Core capital (leverage) ratio | 12.1856% | 1,168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $126,118,250 | 3,699 |
| Average earning assets | $116,179,750 | 3,698 |
| Average equity | $10,726,500 | 3,836 |
| Average total loans | $46,416,250 | 3,976 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6629% | 4,194 |
| Cost of funding earning assets | 0.1525% | 3,536 |
| Net interest margin | 2.5104% | 4,075 |
| Noninterest income to average assets | 0.4220% | 2,619 |
| Noninterest expense to average assets | 1.4203% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2471% | 1,286 |
| Return on assets (ROA) | 1.2471% | 1,269 |
| Pretax return on assets | 1.3085% | 1,722 |
| Return on Equity (ROE) | 13.2423% | 1,309 |
| Retained earnings to average equity (ytd only) | 6.6880% | 2,096 |
| Net charge-offs to loans | 0.0089% | 1,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 415.5000% | 305 |
| Efficiency ratio | 52.0485% | 4,126 |
| Assets per employee ($millions) | 8.6790% | 991 |
| Cash dividends to net income (ytd only)* | 49.4949% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,642 |
| Loan loss allowance to noncurrent loans | 64.7822% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8880% | 572 |
| Noncurrent loans to loans | 2.2056% | 290 |
| Net loans and leases to total assets | 39.6878% | 4,085 |
| Net loans and leases to deposits | 44.2101% | 4,107 |
| Net loans and leases to core deposits | 46.8557% | 4,089 |
| Total domestic deposits to total assets | 89.7709% | 1,810 |
| Equity capital to assets | 6.4022% | 4,057 |
| Core capital (leverage) ratio | 12.8802% | 843 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,017,000 | 3,729 |
| Average earning assets | $116,713,000 | 3,741 |
| Average equity | $11,961,667 | 3,787 |
| Average total loans | $44,790,000 | 4,054 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4803% | 4,290 |
| Cost of funding earning assets | 0.1378% | 3,665 |
| Net interest margin | 2.3425% | 4,165 |
| Noninterest income to average assets | 0.4007% | 2,681 |
| Noninterest expense to average assets | 1.5905% | 4,311 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9154% | 2,225 |
| Return on assets (ROA) | 0.9154% | 2,223 |
| Pretax return on assets | 0.9586% | 2,579 |
| Return on Equity (ROE) | 8.4537% | 2,536 |
| Retained earnings to average equity (ytd only) | 5.7212% | 2,345 |
| Net charge-offs to loans | 0.0094% | 1,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 311.0000% | 310 |
| Efficiency ratio | 62.3942% | 3,215 |
| Assets per employee ($millions) | 9.1344% | 871 |
| Cash dividends to net income (ytd only)* | 32.3232% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5346% | 1,443 |
| Loan loss allowance to noncurrent loans | 64.8749% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 0.8438% | 642 |
| Noncurrent loans to loans | 2.3654% | 266 |
| Net loans and leases to total assets | 35.1225% | 4,257 |
| Net loans and leases to deposits | 39.3384% | 4,273 |
| Net loans and leases to core deposits | 41.0404% | 4,277 |
| Total domestic deposits to total assets | 89.2830% | 1,936 |
| Equity capital to assets | 9.4017% | 2,357 |
| Core capital (leverage) ratio | 12.0013% | 1,068 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,772,500 | 3,717 |
| Average earning assets | $119,019,500 | 3,727 |
| Average equity | $14,053,000 | 3,652 |
| Average total loans | $42,724,000 | 4,107 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3042% | 4,587 |
| Cost of funding earning assets | 0.1631% | 3,840 |
| Net interest margin | 2.1412% | 4,517 |
| Noninterest income to average assets | 0.7162% | 1,708 |
| Noninterest expense to average assets | 1.6686% | 4,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9549% | 2,849 |
| Return on assets (ROA) | 0.9549% | 2,922 |
| Pretax return on assets | 1.0132% | 3,226 |
| Return on Equity (ROE) | 7.1339% | 3,479 |
| Retained earnings to average equity (ytd only) | 2.6843% | 3,770 |
| Net charge-offs to loans | 0.0527% | 1,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 56.9091% | 1,214 |
| Efficiency ratio | 62.2209% | 2,839 |
| Assets per employee ($millions) | 9.4046% | 807 |
| Cash dividends to net income (ytd only)* | 62.3729% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7598% | 930 |
| Loan loss allowance to noncurrent loans | 64.7874% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 0.8218% | 721 |
| Noncurrent loans to loans | 2.7163% | 238 |
| Net loans and leases to total assets | 29.7211% | 4,519 |
| Net loans and leases to deposits | 34.3812% | 4,518 |
| Net loans and leases to core deposits | 35.8112% | 4,519 |
| Total domestic deposits to total assets | 86.4458% | 2,736 |
| Equity capital to assets | 12.2152% | 1,163 |
| Core capital (leverage) ratio | 12.5115% | 926 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,574,200 | 3,763 |
| Average earning assets | $113,443,000 | 3,769 |
| Average equity | $16,540,800 | 3,502 |
| Average total loans | $41,726,600 | 4,151 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3257% | 4,664 |
| Cost of funding earning assets | 0.1682% | 3,940 |
| Net interest margin | 2.1576% | 4,593 |
| Noninterest income to average assets | 0.7119% | 1,786 |
| Noninterest expense to average assets | 1.6772% | 4,361 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.0037% | 2,891 |
| Return on assets (ROA) | 1.0037% | 2,955 |
| Pretax return on assets | 1.0190% | 3,395 |
| Return on Equity (ROE) | 7.3248% | 3,581 |
| Retained earnings to average equity (ytd only) | 3.0340% | 3,898 |
| Net charge-offs to loans | 0.0537% | 1,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 54.6471% | 1,189 |
| Efficiency ratio | 62.2050% | 2,657 |
| Assets per employee ($millions) | 9.4997% | 772 |
| Cash dividends to net income (ytd only)* | 58.5792% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 1,284 |
| Loan loss allowance to noncurrent loans | 65.3704% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 793 |
| Noncurrent loans to loans | 2.4801% | 299 |
| Net loans and leases to total assets | 34.6902% | 4,438 |
| Net loans and leases to deposits | 40.7296% | 4,424 |
| Net loans and leases to core deposits | 42.3694% | 4,434 |
| Total domestic deposits to total assets | 85.1720% | 3,057 |
| Equity capital to assets | 13.4879% | 854 |
| Core capital (leverage) ratio | 12.9473% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,551,750 | 3,826 |
| Average earning assets | $111,789,500 | 3,834 |
| Average equity | $16,655,250 | 3,540 |
| Average total loans | $42,200,000 | 4,197 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3374% | 4,706 |
| Cost of funding earning assets | 0.1722% | 4,022 |
| Net interest margin | 2.1652% | 4,620 |
| Noninterest income to average assets | 0.7245% | 1,734 |
| Noninterest expense to average assets | 1.6674% | 4,411 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0388% | 2,762 |
| Return on assets (ROA) | 1.0388% | 2,839 |
| Pretax return on assets | 1.0537% | 3,324 |
| Return on Equity (ROE) | 7.5414% | 3,519 |
| Retained earnings to average equity (ytd only) | 2.4498% | 4,009 |
| Net charge-offs to loans | 0.0814% | 857 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 37.4706% | 1,193 |
| Efficiency ratio | 61.2766% | 2,836 |
| Assets per employee ($millions) | 9.2202% | 796 |
| Cash dividends to net income (ytd only)* | 67.5159% | 739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 1,109 |
| Loan loss allowance to noncurrent loans | 64.7113% | 3,783 |
| Noncurrent assets plus other real estate owned to assets | 0.9102% | 850 |
| Noncurrent loans to loans | 2.5929% | 312 |
| Net loans and leases to total assets | 34.5144% | 4,522 |
| Net loans and leases to deposits | 40.7157% | 4,502 |
| Net loans and leases to core deposits | 42.6548% | 4,501 |
| Total domestic deposits to total assets | 84.7693% | 3,189 |
| Equity capital to assets | 13.7048% | 781 |
| Core capital (leverage) ratio | 12.6799% | 867 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,903,667 | 3,841 |
| Average earning assets | $111,491,667 | 3,848 |
| Average equity | $16,654,667 | 3,547 |
| Average total loans | $41,751,000 | 4,240 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4249% | 4,700 |
| Cost of funding earning assets | 0.1709% | 4,156 |
| Net interest margin | 2.2540% | 4,564 |
| Noninterest income to average assets | 0.7807% | 1,635 |
| Noninterest expense to average assets | 1.6339% | 4,484 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2156% | 2,086 |
| Return on assets (ROA) | 1.2156% | 2,174 |
| Pretax return on assets | 1.2320% | 2,755 |
| Return on Equity (ROE) | 8.8022% | 3,103 |
| Retained earnings to average equity (ytd only) | 6.1305% | 2,844 |
| Net charge-offs to loans | 0.1827% | 438 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 19.6842% | 1,258 |
| Efficiency ratio | 57.0115% | 3,425 |
| Assets per employee ($millions) | 9.6550% | 663 |
| Cash dividends to net income (ytd only)* | 30.3523% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7558% | 932 |
| Loan loss allowance to noncurrent loans | 68.0193% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 1,075 |
| Noncurrent loans to loans | 2.5814% | 352 |
| Net loans and leases to total assets | 31.3835% | 4,649 |
| Net loans and leases to deposits | 38.1910% | 4,618 |
| Net loans and leases to core deposits | 39.7632% | 4,630 |
| Total domestic deposits to total assets | 82.1750% | 3,860 |
| Equity capital to assets | 13.2892% | 839 |
| Core capital (leverage) ratio | 12.7598% | 902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,424,000 | 3,839 |
| Average earning assets | $112,333,000 | 3,838 |
| Average equity | $16,768,500 | 3,532 |
| Average total loans | $41,588,500 | 4,269 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1852% | 4,468 |
| Cost of funding earning assets | 0.2204% | 4,506 |
| Net interest margin | 2.9648% | 3,974 |
| Noninterest income to average assets | 0.5393% | 2,471 |
| Noninterest expense to average assets | 1.8633% | 4,375 |
| Loan and lease loss provision to assets | 0.0539% | 3,697 |
| Net operating income to assets | 1.3222% | 1,195 |
| Return on assets (ROA) | 1.3222% | 1,294 |
| Pretax return on assets | 1.3429% | 1,846 |
| Return on Equity (ROE) | 9.1673% | 2,330 |
| Retained earnings to average equity (ytd only) | 3.3777% | 3,136 |
| Net charge-offs to loans | 0.0287% | 2,459 |
| Credit loss provision to net charge-offs | 461.5385% | 1,316 |
| Earnings coverage of net charge-offs (x) | 119.5385% | 709 |
| Efficiency ratio | 57.1547% | 3,838 |
| Assets per employee ($millions) | 9.0256% | 734 |
| Cash dividends to net income (ytd only)* | 63.1543% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6759% | 1,089 |
| Loan loss allowance to noncurrent loans | 63.8938% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.9631% | 1,002 |
| Noncurrent loans to loans | 2.6229% | 375 |
| Net loans and leases to total assets | 36.1024% | 4,587 |
| Net loans and leases to deposits | 44.7827% | 4,501 |
| Net loans and leases to core deposits | 46.5807% | 4,531 |
| Total domestic deposits to total assets | 80.6167% | 3,942 |
| Equity capital to assets | 14.3668% | 711 |
| Core capital (leverage) ratio | 12.9481% | 910 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,251,600 | 3,866 |
| Average earning assets | $102,097,200 | 3,869 |
| Average equity | $16,046,200 | 3,546 |
| Average total loans | $45,349,000 | 4,199 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3290% | 4,439 |
| Cost of funding earning assets | 0.2313% | 4,565 |
| Net interest margin | 3.0977% | 3,748 |
| Noninterest income to average assets | 0.5529% | 2,379 |
| Noninterest expense to average assets | 1.8870% | 4,347 |
| Loan and lease loss provision to assets | 0.0547% | 3,669 |
| Net operating income to assets | 1.4204% | 1,056 |
| Return on assets (ROA) | 1.4204% | 1,145 |
| Pretax return on assets | 1.4423% | 1,599 |
| Return on Equity (ROE) | 9.8376% | 2,075 |
| Retained earnings to average equity (ytd only) | 4.3844% | 2,853 |
| Net charge-offs to loans | 0.0407% | 2,047 |
| Credit loss provision to net charge-offs | 321.4286% | 1,693 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 863 |
| Efficiency ratio | 55.7630% | 3,948 |
| Assets per employee ($millions) | 8.3134% | 902 |
| Cash dividends to net income (ytd only)* | 55.4320% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,303 |
| Loan loss allowance to noncurrent loans | 63.1250% | 3,843 |
| Noncurrent assets plus other real estate owned to assets | 0.9623% | 1,163 |
| Noncurrent loans to loans | 2.4232% | 441 |
| Net loans and leases to total assets | 39.1049% | 4,590 |
| Net loans and leases to deposits | 48.4526% | 4,539 |
| Net loans and leases to core deposits | 50.3568% | 4,571 |
| Total domestic deposits to total assets | 80.7075% | 3,723 |
| Equity capital to assets | 14.4346% | 749 |
| Core capital (leverage) ratio | 13.2358% | 895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,731,250 | 3,880 |
| Average earning assets | $100,288,500 | 3,890 |
| Average equity | $15,843,500 | 3,571 |
| Average total loans | $45,915,750 | 4,211 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5058% | 4,399 |
| Cost of funding earning assets | 0.2462% | 4,634 |
| Net interest margin | 3.2596% | 3,489 |
| Noninterest income to average assets | 0.6288% | 2,018 |
| Noninterest expense to average assets | 1.9272% | 4,370 |
| Loan and lease loss provision to assets | 0.0558% | 3,604 |
| Net operating income to assets | 1.5775% | 793 |
| Return on assets (ROA) | 1.5775% | 866 |
| Pretax return on assets | 1.6017% | 1,223 |
| Return on Equity (ROE) | 10.9246% | 1,656 |
| Retained earnings to average equity (ytd only) | 4.2255% | 2,811 |
| Net charge-offs to loans | 0.0568% | 1,686 |
| Credit loss provision to net charge-offs | 230.7692% | 1,805 |
| Earnings coverage of net charge-offs (x) | 68.5385% | 891 |
| Efficiency ratio | 53.7623% | 4,205 |
| Assets per employee ($millions) | 8.1402% | 920 |
| Cash dividends to net income (ytd only)* | 61.3208% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4794% | 1,333 |
| Loan loss allowance to noncurrent loans | 61.9857% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 0.9810% | 1,226 |
| Noncurrent loans to loans | 2.3867% | 506 |
| Net loans and leases to total assets | 40.4956% | 4,590 |
| Net loans and leases to deposits | 50.3156% | 4,516 |
| Net loans and leases to core deposits | 52.0622% | 4,566 |
| Total domestic deposits to total assets | 80.4831% | 3,730 |
| Equity capital to assets | 14.3941% | 757 |
| Core capital (leverage) ratio | 13.7539% | 808 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,512,667 | 3,898 |
| Average earning assets | $97,496,667 | 3,916 |
| Average equity | $15,524,667 | 3,604 |
| Average total loans | $45,814,333 | 4,220 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7140% | 4,368 |
| Cost of funding earning assets | 0.2811% | 4,707 |
| Net interest margin | 3.4329% | 3,204 |
| Noninterest income to average assets | 0.4948% | 2,574 |
| Noninterest expense to average assets | 2.0175% | 4,367 |
| Loan and lease loss provision to assets | 0.0575% | 3,042 |
| Net operating income to assets | 1.4882% | 805 |
| Return on assets (ROA) | 1.4882% | 879 |
| Pretax return on assets | 1.5112% | 1,275 |
| Return on Equity (ROE) | 10.2884% | 1,648 |
| Retained earnings to average equity (ytd only) | 5.1972% | 2,197 |
| Net charge-offs to loans | 0.0088% | 2,245 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 409.0000% | 167 |
| Efficiency ratio | 56.2567% | 4,190 |
| Assets per employee ($millions) | 6.9432% | 1,119 |
| Cash dividends to net income (ytd only)* | 49.4845% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 1,277 |
| Loan loss allowance to noncurrent loans | 59.5855% | 3,916 |
| Noncurrent assets plus other real estate owned to assets | 1.1119% | 1,168 |
| Noncurrent loans to loans | 2.5500% | 464 |
| Net loans and leases to total assets | 42.9399% | 4,549 |
| Net loans and leases to deposits | 51.0729% | 4,560 |
| Net loans and leases to core deposits | 52.8168% | 4,605 |
| Total domestic deposits to total assets | 84.0755% | 2,767 |
| Equity capital to assets | 14.3162% | 957 |
| Core capital (leverage) ratio | 14.3256% | 830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,287,500 | 3,927 |
| Average earning assets | $93,915,500 | 3,967 |
| Average equity | $15,085,000 | 3,651 |
| Average total loans | $45,300,000 | 4,243 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8351% | 4,522 |
| Cost of funding earning assets | 0.3445% | 4,612 |
| Net interest margin | 3.4907% | 3,480 |
| Noninterest income to average assets | 0.4895% | 2,799 |
| Noninterest expense to average assets | 2.0209% | 4,497 |
| Loan and lease loss provision to assets | 0.0580% | 2,875 |
| Net operating income to assets | 1.5343% | 976 |
| Return on assets (ROA) | 1.5343% | 1,030 |
| Pretax return on assets | 1.5575% | 1,623 |
| Return on Equity (ROE) | 10.8474% | 1,947 |
| Retained earnings to average equity (ytd only) | 3.0778% | 3,484 |
| Net charge-offs to loans | 0.0021% | 3,626 |
| Credit loss provision to net charge-offs | 6,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 1,670.0000% | 46 |
| Efficiency ratio | 55.5733% | 4,257 |
| Assets per employee ($millions) | 6.1428% | 1,523 |
| Cash dividends to net income (ytd only)* | 71.6267% | 1,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 1,242 |
| Loan loss allowance to noncurrent loans | 57.1912% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 1,060 |
| Noncurrent loans to loans | 2.6157% | 403 |
| Net loans and leases to total assets | 42.6259% | 4,656 |
| Net loans and leases to deposits | 51.1650% | 4,638 |
| Net loans and leases to core deposits | 52.8194% | 4,682 |
| Total domestic deposits to total assets | 83.3108% | 3,100 |
| Equity capital to assets | 14.6131% | 896 |
| Core capital (leverage) ratio | 14.1730% | 888 |
| Tier 1 risk-based capital ratio | 25.4478% | 721 |
| Total risk-based capital ratio | 26.5998% | 710 |
| Memoranda: | ||
| Average total assets | $103,372,000 | 3,946 |
| Average earning assets | $93,191,400 | 3,990 |
| Average equity | $14,621,000 | 3,674 |
| Average total loans | $46,874,400 | 4,241 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 4,607 |
| Cost of funding earning assets | 0.3512% | 4,651 |
| Net interest margin | 3.4987% | 3,569 |
| Noninterest income to average assets | 0.4707% | 2,905 |
| Noninterest expense to average assets | 1.9875% | 4,577 |
| Loan and lease loss provision to assets | 0.0582% | 2,735 |
| Net operating income to assets | 1.5582% | 1,040 |
| Return on assets (ROA) | 1.5582% | 1,091 |
| Pretax return on assets | 1.5815% | 1,696 |
| Return on Equity (ROE) | 11.1099% | 1,978 |
| Retained earnings to average equity (ytd only) | 6.2511% | 2,245 |
| Net charge-offs to loans | 0.0056% | 3,191 |
| Credit loss provision to net charge-offs | 2,250.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 633.1910% | 155 |
| Efficiency ratio | 54.7950% | 4,304 |
| Assets per employee ($millions) | 6.5771% | 1,231 |
| Cash dividends to net income (ytd only)* | 43.7344% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3938% | 1,603 |
| Loan loss allowance to noncurrent loans | 54.5004% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.1508% | 1,129 |
| Noncurrent loans to loans | 2.5574% | 444 |
| Net loans and leases to total assets | 44.3711% | 4,680 |
| Net loans and leases to deposits | 52.9225% | 4,672 |
| Net loans and leases to core deposits | 54.7635% | 4,722 |
| Total domestic deposits to total assets | 83.8416% | 2,883 |
| Equity capital to assets | 14.6038% | 953 |
| Core capital (leverage) ratio | 14.5110% | 855 |
| Tier 1 risk-based capital ratio | 25.0508% | 768 |
| Total risk-based capital ratio | 26.1413% | 760 |
| Memoranda: | ||
| Average total assets | $103,108,250 | 3,995 |
| Average earning assets | $93,023,750 | 4,037 |
| Average equity | $14,461,250 | 3,723 |
| Average total loans | $47,295,750 | 4,286 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8737% | 4,597 |
| Cost of funding earning assets | 0.3445% | 4,699 |
| Net interest margin | 3.5293% | 3,506 |
| Noninterest income to average assets | 0.4707% | 2,835 |
| Noninterest expense to average assets | 1.9824% | 4,633 |
| Loan and lease loss provision to assets | 0.0586% | 2,652 |
| Net operating income to assets | 1.5879% | 937 |
| Return on assets (ROA) | 1.5879% | 978 |
| Pretax return on assets | 1.6113% | 1,512 |
| Return on Equity (ROE) | 11.4839% | 1,796 |
| Retained earnings to average equity (ytd only) | 5.5795% | 2,484 |
| Net charge-offs to loans | 0.0042% | 3,017 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 855.0000% | 85 |
| Efficiency ratio | 54.2781% | 4,439 |
| Assets per employee ($millions) | 6.4758% | 1,248 |
| Cash dividends to net income (ytd only)* | 51.4145% | 1,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 1,754 |
| Loan loss allowance to noncurrent loans | 56.6667% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.1002% | 1,233 |
| Noncurrent loans to loans | 2.4118% | 504 |
| Net loans and leases to total assets | 44.9953% | 4,682 |
| Net loans and leases to deposits | 53.6435% | 4,693 |
| Net loans and leases to core deposits | 55.6144% | 4,725 |
| Total domestic deposits to total assets | 83.8785% | 2,915 |
| Equity capital to assets | 14.3679% | 996 |
| Core capital (leverage) ratio | 14.3635% | 864 |
| Tier 1 risk-based capital ratio | 24.6663% | 785 |
| Total risk-based capital ratio | 25.7374% | 787 |
| Memoranda: | ||
| Average total assets | $102,400,000 | 4,028 |
| Average earning assets | $92,314,000 | 4,068 |
| Average equity | $14,159,000 | 3,766 |
| Average total loans | $47,276,670 | 4,315 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8593% | 4,618 |
| Cost of funding earning assets | 0.3449% | 4,699 |
| Net interest margin | 3.5144% | 3,556 |
| Noninterest income to average assets | 0.4558% | 2,821 |
| Noninterest expense to average assets | 1.9530% | 4,727 |
| Loan and lease loss provision to assets | 0.0589% | 2,474 |
| Net operating income to assets | 1.5836% | 928 |
| Return on assets (ROA) | 1.5836% | 956 |
| Pretax return on assets | 1.6072% | 1,454 |
| Return on Equity (ROE) | 11.6854% | 1,660 |
| Retained earnings to average equity (ytd only) | 8.5248% | 1,482 |
| Net charge-offs to loans | -0.0085% | 4,168 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9631% | 4,534 |
| Assets per employee ($millions) | 6.5058% | 1,236 |
| Cash dividends to net income (ytd only)* | 27.0471% | 2,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3527% | 1,856 |
| Loan loss allowance to noncurrent loans | 59.1036% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 1.0289% | 1,359 |
| Noncurrent loans to loans | 2.2886% | 606 |
| Net loans and leases to total assets | 44.3492% | 4,734 |
| Net loans and leases to deposits | 52.2969% | 4,747 |
| Net loans and leases to core deposits | 54.1545% | 4,780 |
| Total domestic deposits to total assets | 84.8029% | 2,748 |
| Equity capital to assets | 13.6158% | 1,170 |
| Core capital (leverage) ratio | 14.2403% | 883 |
| Tier 1 risk-based capital ratio | 24.5119% | 798 |
| Total risk-based capital ratio | 25.5619% | 798 |
| Memoranda: | ||
| Average total assets | $101,793,500 | 4,075 |
| Average earning assets | $91,622,000 | 4,115 |
| Average equity | $13,795,000 | 3,832 |
| Average total loans | $47,281,500 | 4,361 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6852% | 4,689 |
| Cost of funding earning assets | 0.2901% | 4,614 |
| Net interest margin | 3.3951% | 4,011 |
| Noninterest income to average assets | 0.5500% | 2,544 |
| Noninterest expense to average assets | 2.1141% | 4,525 |
| Loan and lease loss provision to assets | 0.0599% | 2,963 |
| Net operating income to assets | 1.4483% | 1,282 |
| Return on assets (ROA) | 1.4454% | 1,279 |
| Pretax return on assets | 1.4683% | 1,881 |
| Return on Equity (ROE) | 10.7834% | 2,168 |
| Retained earnings to average equity (ytd only) | 1.7277% | 4,453 |
| Net charge-offs to loans | 0.0129% | 3,258 |
| Credit loss provision to net charge-offs | 1,000.0000% | 371 |
| Earnings coverage of net charge-offs (x) | 255.6667% | 376 |
| Efficiency ratio | 57.9956% | 4,158 |
| Assets per employee ($millions) | 5.8526% | 1,624 |
| Cash dividends to net income (ytd only)* | 83.9779% | 586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2917% | 2,088 |
| Loan loss allowance to noncurrent loans | 61.0287% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.0161% | 1,344 |
| Noncurrent loans to loans | 2.1166% | 621 |
| Net loans and leases to total assets | 47.3883% | 4,676 |
| Net loans and leases to deposits | 56.1739% | 4,656 |
| Net loans and leases to core deposits | 58.0560% | 4,701 |
| Total domestic deposits to total assets | 84.3600% | 2,884 |
| Equity capital to assets | 13.4851% | 1,150 |
| Core capital (leverage) ratio | 14.4629% | 811 |
| Tier 1 risk-based capital ratio | 24.2572% | 806 |
| Total risk-based capital ratio | 25.2906% | 805 |
| Memoranda: | ||
| Average total assets | $100,182,600 | 4,099 |
| Average earning assets | $91,338,800 | 4,125 |
| Average equity | $13,428,000 | 3,826 |
| Average total loans | $46,686,400 | 4,383 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 4,773 |
| Cost of funding earning assets | 0.2757% | 4,650 |
| Net interest margin | 3.3418% | 4,177 |
| Noninterest income to average assets | 0.4969% | 2,893 |
| Noninterest expense to average assets | 2.0540% | 4,644 |
| Loan and lease loss provision to assets | 0.0598% | 2,785 |
| Net operating income to assets | 1.4203% | 1,416 |
| Return on assets (ROA) | 1.4203% | 1,418 |
| Pretax return on assets | 1.4429% | 2,081 |
| Return on Equity (ROE) | 10.6122% | 2,346 |
| Retained earnings to average equity (ytd only) | 4.5268% | 3,486 |
| Net charge-offs to loans | 0.0172% | 2,822 |
| Credit loss provision to net charge-offs | 750.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 188.4950% | 458 |
| Efficiency ratio | 57.7512% | 4,161 |
| Assets per employee ($millions) | 5.8248% | 1,625 |
| Cash dividends to net income (ytd only)* | 57.3430% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,337 |
| Loan loss allowance to noncurrent loans | 63.5692% | 4,130 |
| Noncurrent assets plus other real estate owned to assets | 0.9564% | 1,528 |
| Noncurrent loans to loans | 1.9751% | 753 |
| Net loans and leases to total assets | 47.8121% | 4,724 |
| Net loans and leases to deposits | 56.2554% | 4,740 |
| Net loans and leases to core deposits | 58.2717% | 4,775 |
| Total domestic deposits to total assets | 84.9911% | 2,608 |
| Equity capital to assets | 13.3679% | 1,182 |
| Core capital (leverage) ratio | 14.7734% | 765 |
| Tier 1 risk-based capital ratio | 24.3268% | 810 |
| Total risk-based capital ratio | 25.3225% | 816 |
| Memoranda: | ||
| Average total assets | $100,354,500 | 4,139 |
| Average earning assets | $91,883,750 | 4,145 |
| Average equity | $13,430,750 | 3,859 |
| Average total loans | $46,416,500 | 4,430 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 4,836 |
| Cost of funding earning assets | 0.2626% | 4,681 |
| Net interest margin | 3.2986% | 4,254 |
| Noninterest income to average assets | 0.4504% | 3,147 |
| Noninterest expense to average assets | 1.9802% | 4,834 |
| Loan and lease loss provision to assets | 0.0595% | 2,715 |
| Net operating income to assets | 1.4028% | 1,433 |
| Return on assets (ROA) | 1.4028% | 1,433 |
| Pretax return on assets | 1.4266% | 2,064 |
| Return on Equity (ROE) | 10.4777% | 2,342 |
| Retained earnings to average equity (ytd only) | 2.9195% | 4,083 |
| Net charge-offs to loans | 0.0131% | 2,698 |
| Credit loss provision to net charge-offs | 1,000.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 249.6667% | 359 |
| Efficiency ratio | 57.1265% | 4,344 |
| Assets per employee ($millions) | 5.8174% | 1,621 |
| Cash dividends to net income (ytd only)* | 72.1358% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,191 |
| Loan loss allowance to noncurrent loans | 67.5830% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 0.8828% | 1,703 |
| Noncurrent loans to loans | 1.9167% | 804 |
| Net loans and leases to total assets | 45.4593% | 4,855 |
| Net loans and leases to deposits | 53.6211% | 4,857 |
| Net loans and leases to core deposits | 56.2884% | 4,854 |
| Total domestic deposits to total assets | 84.7788% | 2,760 |
| Equity capital to assets | 13.4162% | 1,132 |
| Core capital (leverage) ratio | 14.2437% | 838 |
| Tier 1 risk-based capital ratio | 24.9142% | 741 |
| Total risk-based capital ratio | 25.9315% | 740 |
| Memoranda: | ||
| Average total assets | $100,799,000 | 4,162 |
| Average earning assets | $92,160,670 | 4,178 |
| Average equity | $13,495,330 | 3,868 |
| Average total loans | $45,906,670 | 4,494 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4933% | 4,889 |
| Cost of funding earning assets | 0.2637% | 4,626 |
| Net interest margin | 3.2296% | 4,372 |
| Noninterest income to average assets | 0.4088% | 3,402 |
| Noninterest expense to average assets | 1.9145% | 5,001 |
| Loan and lease loss provision to assets | 0.0590% | 2,591 |
| Net operating income to assets | 1.3484% | 1,484 |
| Return on assets (ROA) | 1.3484% | 1,497 |
| Pretax return on assets | 1.3720% | 2,093 |
| Return on Equity (ROE) | 10.0816% | 2,386 |
| Retained earnings to average equity (ytd only) | 3.9974% | 3,594 |
| Net charge-offs to loans | 0.0174% | 2,166 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 361 |
| Efficiency ratio | 57.2268% | 4,440 |
| Assets per employee ($millions) | 6.5021% | 1,198 |
| Cash dividends to net income (ytd only)* | 60.3499% | 1,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2387% | 2,585 |
| Loan loss allowance to noncurrent loans | 61.6043% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 0.8987% | 1,766 |
| Noncurrent loans to loans | 2.0107% | 788 |
| Net loans and leases to total assets | 44.1452% | 4,888 |
| Net loans and leases to deposits | 51.5391% | 4,899 |
| Net loans and leases to core deposits | 54.1580% | 4,909 |
| Total domestic deposits to total assets | 85.6537% | 2,692 |
| Equity capital to assets | 12.8025% | 1,339 |
| Core capital (leverage) ratio | 13.8858% | 899 |
| Tier 1 risk-based capital ratio | 24.0880% | 834 |
| Total risk-based capital ratio | 25.0523% | 838 |
| Memoranda: | ||
| Average total assets | $101,751,000 | 4,197 |
| Average earning assets | $92,520,500 | 4,220 |
| Average equity | $13,609,000 | 3,886 |
| Average total loans | $46,086,500 | 4,537 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3630% | 4,991 |
| Cost of funding earning assets | 0.2590% | 4,492 |
| Net interest margin | 3.1040% | 4,689 |
| Noninterest income to average assets | 0.4900% | 3,058 |
| Noninterest expense to average assets | 1.8749% | 5,151 |
| Loan and lease loss provision to assets | 0.0593% | 3,050 |
| Net operating income to assets | 1.3741% | 1,069 |
| Return on assets (ROA) | 1.3850% | 1,068 |
| Pretax return on assets | 1.3840% | 2,041 |
| Return on Equity (ROE) | 9.9838% | 1,893 |
| Retained earnings to average equity (ytd only) | 2.2431% | 3,975 |
| Net charge-offs to loans | 0.0095% | 3,758 |
| Credit loss provision to net charge-offs | 1,500.0000% | 262 |
| Earnings coverage of net charge-offs (x) | 362.5000% | 241 |
| Efficiency ratio | 56.6906% | 4,696 |
| Assets per employee ($millions) | 6.2168% | 1,372 |
| Cash dividends to net income (ytd only)* | 77.5321% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 2,583 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 45.3493% | 4,921 |
| Net loans and leases to deposits | 54.0358% | 4,897 |
| Net loans and leases to core deposits | 56.6975% | 4,901 |
| Total domestic deposits to total assets | 83.9245% | 3,237 |
| Equity capital to assets | 13.9733% | 922 |
| Core capital (leverage) ratio | 14.1154% | 811 |
| Tier 1 risk-based capital ratio | 24.3553% | 789 |
| Total risk-based capital ratio | 25.3175% | 795 |
| Memoranda: | ||
| Average total assets | $101,229,400 | 4,214 |
| Average earning assets | $91,881,200 | 4,243 |
| Average equity | $14,042,800 | 3,841 |
| Average total loans | $42,090,200 | 4,663 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3287% | 5,068 |
| Cost of funding earning assets | 0.2446% | 4,614 |
| Net interest margin | 3.0841% | 4,747 |
| Noninterest income to average assets | 0.4551% | 3,307 |
| Noninterest expense to average assets | 1.8032% | 5,268 |
| Loan and lease loss provision to assets | 0.0590% | 2,900 |
| Net operating income to assets | 1.3679% | 1,161 |
| Return on assets (ROA) | 1.3822% | 1,146 |
| Pretax return on assets | 1.4019% | 2,111 |
| Return on Equity (ROE) | 9.9817% | 2,141 |
| Retained earnings to average equity (ytd only) | 5.3981% | 2,605 |
| Net charge-offs to loans | 0.0065% | 3,501 |
| Credit loss provision to net charge-offs | 2,250.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 550.7978% | 183 |
| Efficiency ratio | 55.4883% | 4,792 |
| Assets per employee ($millions) | 6.2496% | 1,339 |
| Cash dividends to net income (ytd only)* | 45.9204% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3152% | 2,289 |
| Loan loss allowance to noncurrent loans | 109.1270% | 3,372 |
| Noncurrent assets plus other real estate owned to assets | 0.5040% | 3,056 |
| Noncurrent loans to loans | 1.2052% | 1,581 |
| Net loans and leases to total assets | 41.2729% | 5,145 |
| Net loans and leases to deposits | 49.2441% | 5,149 |
| Net loans and leases to core deposits | 51.8937% | 5,141 |
| Total domestic deposits to total assets | 83.8129% | 3,188 |
| Equity capital to assets | 14.5740% | 835 |
| Core capital (leverage) ratio | 14.5044% | 764 |
| Tier 1 risk-based capital ratio | 25.5625% | 702 |
| Total risk-based capital ratio | 26.5317% | 713 |
| Memoranda: | ||
| Average total assets | $101,669,750 | 4,249 |
| Average earning assets | $92,125,500 | 4,276 |
| Average equity | $14,078,750 | 3,873 |
| Average total loans | $41,195,000 | 4,736 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3089% | 5,093 |
| Cost of funding earning assets | 0.2437% | 4,602 |
| Net interest margin | 3.0651% | 4,759 |
| Noninterest income to average assets | 0.4734% | 3,195 |
| Noninterest expense to average assets | 1.7666% | 5,347 |
| Loan and lease loss provision to assets | 0.0587% | 2,797 |
| Net operating income to assets | 1.4088% | 1,047 |
| Return on assets (ROA) | 1.4301% | 1,023 |
| Pretax return on assets | 1.4497% | 1,825 |
| Return on Equity (ROE) | 10.5074% | 1,825 |
| Retained earnings to average equity (ytd only) | 5.0309% | 2,689 |
| Net charge-offs to loans | 0.0098% | 3,116 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 380.0000% | 223 |
| Efficiency ratio | 54.2995% | 4,994 |
| Assets per employee ($millions) | 6.2244% | 1,302 |
| Cash dividends to net income (ytd only)* | 52.1204% | 1,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,409 |
| Loan loss allowance to noncurrent loans | 274.3590% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 4,392 |
| Noncurrent loans to loans | 0.4739% | 3,326 |
| Net loans and leases to total assets | 40.7758% | 5,199 |
| Net loans and leases to deposits | 48.7064% | 5,184 |
| Net loans and leases to core deposits | 51.1990% | 5,181 |
| Total domestic deposits to total assets | 83.7174% | 3,317 |
| Equity capital to assets | 14.5114% | 820 |
| Core capital (leverage) ratio | 14.1112% | 828 |
| Tier 1 risk-based capital ratio | 25.6016% | 696 |
| Total risk-based capital ratio | 26.5603% | 706 |
| Memoranda: | ||
| Average total assets | $102,228,670 | 4,266 |
| Average earning assets | $92,720,330 | 4,297 |
| Average equity | $13,914,000 | 3,898 |
| Average total loans | $40,986,670 | 4,776 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2223% | 5,211 |
| Cost of funding earning assets | 0.2429% | 4,595 |
| Net interest margin | 2.9793% | 4,933 |
| Noninterest income to average assets | 0.4442% | 3,342 |
| Noninterest expense to average assets | 1.7229% | 5,455 |
| Loan and lease loss provision to assets | 0.0579% | 2,645 |
| Net operating income to assets | 1.3443% | 1,126 |
| Return on assets (ROA) | 1.3443% | 1,162 |
| Pretax return on assets | 1.3636% | 2,016 |
| Return on Equity (ROE) | 10.2015% | 1,873 |
| Retained earnings to average equity (ytd only) | 7.5632% | 1,622 |
| Net charge-offs to loans | 0.0196% | 2,397 |
| Credit loss provision to net charge-offs | 750.0000% | 417 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 310 |
| Efficiency ratio | 54.7912% | 5,061 |
| Assets per employee ($millions) | 6.5324% | 1,171 |
| Cash dividends to net income (ytd only)* | 25.8621% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 2,592 |
| Loan loss allowance to noncurrent loans | 282.6087% | 1,689 |
| Noncurrent assets plus other real estate owned to assets | 0.1760% | 4,536 |
| Noncurrent loans to loans | 0.4561% | 3,464 |
| Net loans and leases to total assets | 38.1002% | 5,317 |
| Net loans and leases to deposits | 44.6941% | 5,347 |
| Net loans and leases to core deposits | 47.0498% | 5,334 |
| Total domestic deposits to total assets | 85.2467% | 2,985 |
| Equity capital to assets | 13.2426% | 1,167 |
| Core capital (leverage) ratio | 13.5214% | 971 |
| Tier 1 risk-based capital ratio | 25.2841% | 753 |
| Total risk-based capital ratio | 26.2104% | 759 |
| Memoranda: | ||
| Average total assets | $103,547,500 | 4,290 |
| Average earning assets | $93,846,500 | 4,314 |
| Average equity | $13,645,000 | 3,972 |
| Average total loans | $40,908,000 | 4,816 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2494% | 5,238 |
| Cost of funding earning assets | 0.2662% | 4,405 |
| Net interest margin | 2.9831% | 4,997 |
| Noninterest income to average assets | 0.4866% | 3,318 |
| Noninterest expense to average assets | 1.8637% | 5,410 |
| Loan and lease loss provision to assets | 0.0505% | 3,380 |
| Net operating income to assets | 1.2581% | 1,335 |
| Return on assets (ROA) | 1.2781% | 1,344 |
| Pretax return on assets | 1.2963% | 2,296 |
| Return on Equity (ROE) | 8.7722% | 2,525 |
| Retained earnings to average equity (ytd only) | 0.8938% | 4,964 |
| Net charge-offs to loans | 0.0191% | 3,676 |
| Credit loss provision to net charge-offs | 625.0000% | 551 |
| Earnings coverage of net charge-offs (x) | 164.2500% | 395 |
| Efficiency ratio | 58.4177% | 4,803 |
| Assets per employee ($millions) | 6.4110% | 1,196 |
| Cash dividends to net income (ytd only)* | 89.8104% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,988 |
| Loan loss allowance to noncurrent loans | 307.2727% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 4,675 |
| Noncurrent loans to loans | 0.3978% | 3,723 |
| Net loans and leases to total assets | 39.9382% | 5,315 |
| Net loans and leases to deposits | 47.0615% | 5,333 |
| Net loans and leases to core deposits | 49.4257% | 5,318 |
| Total domestic deposits to total assets | 84.8639% | 3,108 |
| Equity capital to assets | 13.1113% | 1,214 |
| Core capital (leverage) ratio | 13.6441% | 916 |
| Tier 1 risk-based capital ratio | 24.6542% | 800 |
| Total risk-based capital ratio | 25.5510% | 817 |
| Memoranda: | ||
| Average total assets | $99,052,200 | 4,364 |
| Average earning assets | $89,771,800 | 4,391 |
| Average equity | $14,432,000 | 3,884 |
| Average total loans | $41,966,800 | 4,817 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2859% | 5,234 |
| Cost of funding earning assets | 0.2710% | 4,378 |
| Net interest margin | 3.0149% | 4,985 |
| Noninterest income to average assets | 0.4794% | 3,382 |
| Noninterest expense to average assets | 1.8593% | 5,447 |
| Loan and lease loss provision to assets | 0.0475% | 3,300 |
| Net operating income to assets | 1.2905% | 1,320 |
| Return on assets (ROA) | 1.3174% | 1,323 |
| Pretax return on assets | 1.3350% | 2,289 |
| Return on Equity (ROE) | 8.8113% | 2,599 |
| Retained earnings to average equity (ytd only) | 3.8425% | 3,571 |
| Net charge-offs to loans | 0.0254% | 3,158 |
| Credit loss provision to net charge-offs | 437.5000% | 787 |
| Earnings coverage of net charge-offs (x) | 124.7076% | 558 |
| Efficiency ratio | 57.8369% | 4,836 |
| Assets per employee ($millions) | 5.6658% | 1,701 |
| Cash dividends to net income (ytd only)* | 56.3922% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 3,505 |
| Loan loss allowance to noncurrent loans | 298.1818% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.1713% | 4,756 |
| Noncurrent loans to loans | 0.3879% | 3,869 |
| Net loans and leases to total assets | 43.6533% | 5,211 |
| Net loans and leases to deposits | 52.7639% | 5,170 |
| Net loans and leases to core deposits | 55.4989% | 5,170 |
| Total domestic deposits to total assets | 82.7332% | 3,695 |
| Equity capital to assets | 15.6160% | 613 |
| Core capital (leverage) ratio | 14.4702% | 727 |
| Tier 1 risk-based capital ratio | 25.8389% | 730 |
| Total risk-based capital ratio | 26.7323% | 745 |
| Memoranda: | ||
| Average total assets | $98,171,250 | 4,412 |
| Average earning assets | $89,066,000 | 4,448 |
| Average equity | $14,677,750 | 3,883 |
| Average total loans | $42,090,000 | 4,854 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2876% | 5,311 |
| Cost of funding earning assets | 0.2695% | 4,443 |
| Net interest margin | 3.0181% | 5,039 |
| Noninterest income to average assets | 0.4292% | 3,666 |
| Noninterest expense to average assets | 1.8605% | 5,519 |
| Loan and lease loss provision to assets | 0.0405% | 3,348 |
| Net operating income to assets | 1.2535% | 1,409 |
| Return on assets (ROA) | 1.2896% | 1,414 |
| Pretax return on assets | 1.3078% | 2,374 |
| Return on Equity (ROE) | 8.7520% | 2,611 |
| Retained earnings to average equity (ytd only) | 2.4868% | 4,299 |
| Net charge-offs to loans | 0.0381% | 2,694 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 696 |
| Efficiency ratio | 58.6471% | 4,819 |
| Assets per employee ($millions) | 6.1681% | 1,287 |
| Cash dividends to net income (ytd only)* | 71.5856% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1147% | 3,869 |
| Loan loss allowance to noncurrent loans | 289.0909% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 4,836 |
| Noncurrent loans to loans | 0.3856% | 3,976 |
| Net loans and leases to total assets | 42.8771% | 5,291 |
| Net loans and leases to deposits | 51.5439% | 5,268 |
| Net loans and leases to core deposits | 54.6331% | 5,243 |
| Total domestic deposits to total assets | 83.1856% | 3,579 |
| Equity capital to assets | 15.0169% | 724 |
| Core capital (leverage) ratio | 13.9647% | 830 |
| Tier 1 risk-based capital ratio | 25.6069% | 759 |
| Total risk-based capital ratio | 26.4801% | 777 |
| Memoranda: | ||
| Average total assets | $98,789,000 | 4,441 |
| Average earning assets | $89,790,670 | 4,464 |
| Average equity | $14,556,670 | 3,919 |
| Average total loans | $41,940,670 | 4,903 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2696% | 5,378 |
| Cost of funding earning assets | 0.2773% | 4,421 |
| Net interest margin | 2.9923% | 5,139 |
| Noninterest income to average assets | 0.3885% | 3,913 |
| Noninterest expense to average assets | 1.8738% | 5,557 |
| Loan and lease loss provision to assets | 0.0324% | 3,225 |
| Net operating income to assets | 1.1744% | 1,632 |
| Return on assets (ROA) | 1.2465% | 1,514 |
| Pretax return on assets | 1.2627% | 2,461 |
| Return on Equity (ROE) | 8.5407% | 2,643 |
| Retained earnings to average equity (ytd only) | 4.0485% | 3,468 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5229% | 4,674 |
| Assets per employee ($millions) | 5.9359% | 1,452 |
| Cash dividends to net income (ytd only)* | 52.5974% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,827 |
| Loan loss allowance to noncurrent loans | 286.6667% | 1,671 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 4,917 |
| Noncurrent loans to loans | 0.3980% | 4,007 |
| Net loans and leases to total assets | 40.6190% | 5,425 |
| Net loans and leases to deposits | 48.3863% | 5,408 |
| Net loans and leases to core deposits | 51.3505% | 5,392 |
| Total domestic deposits to total assets | 83.9472% | 3,539 |
| Equity capital to assets | 14.4434% | 845 |
| Core capital (leverage) ratio | 14.0343% | 805 |
| Tier 1 risk-based capital ratio | 25.7070% | 756 |
| Total risk-based capital ratio | 26.5785% | 774 |
| Memoranda: | ||
| Average total assets | $98,839,000 | 4,487 |
| Average earning assets | $89,429,500 | 4,513 |
| Average equity | $14,425,000 | 3,944 |
| Average total loans | $41,515,000 | 4,951 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3448% | 5,267 |
| Cost of funding earning assets | 0.3021% | 4,222 |
| Net interest margin | 3.0427% | 5,043 |
| Noninterest income to average assets | 0.5258% | 3,164 |
| Noninterest expense to average assets | 2.0272% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1983% | 1,557 |
| Return on assets (ROA) | 1.2155% | 1,562 |
| Pretax return on assets | 1.2309% | 2,541 |
| Return on Equity (ROE) | 8.2322% | 2,824 |
| Retained earnings to average equity (ytd only) | 1.4785% | 4,881 |
| Net charge-offs to loans | -0.0051% | 4,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5553% | 4,526 |
| Assets per employee ($millions) | 5.3759% | 1,926 |
| Cash dividends to net income (ytd only)* | 82.0405% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 3,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 42.4763% | 5,376 |
| Net loans and leases to deposits | 51.0812% | 5,335 |
| Net loans and leases to core deposits | 54.2285% | 5,298 |
| Total domestic deposits to total assets | 83.1544% | 3,792 |
| Equity capital to assets | 14.7519% | 716 |
| Core capital (leverage) ratio | 14.0743% | 797 |
| Tier 1 risk-based capital ratio | 25.7545% | 754 |
| Total risk-based capital ratio | 26.6219% | 768 |
| Memoranda: | ||
| Average total assets | $97,573,000 | 4,507 |
| Average earning assets | $87,060,600 | 4,560 |
| Average equity | $14,406,800 | 3,921 |
| Average total loans | $38,860,200 | 5,055 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3311% | 5,358 |
| Cost of funding earning assets | 0.3052% | 4,275 |
| Net interest margin | 3.0259% | 5,135 |
| Noninterest income to average assets | 0.4323% | 3,852 |
| Noninterest expense to average assets | 1.9650% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1443% | 1,851 |
| Return on assets (ROA) | 1.1673% | 1,837 |
| Pretax return on assets | 1.1809% | 2,887 |
| Return on Equity (ROE) | 7.9039% | 3,128 |
| Retained earnings to average equity (ytd only) | 3.9981% | 3,621 |
| Net charge-offs to loans | -0.0035% | 4,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9258% | 4,417 |
| Assets per employee ($millions) | 5.4367% | 1,841 |
| Cash dividends to net income (ytd only)* | 49.4165% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 4,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5559% | 3,637 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 42.5798% | 5,456 |
| Net loans and leases to deposits | 50.9127% | 5,426 |
| Net loans and leases to core deposits | 54.1655% | 5,394 |
| Total domestic deposits to total assets | 83.6329% | 3,558 |
| Equity capital to assets | 14.7485% | 797 |
| Core capital (leverage) ratio | 14.4238% | 753 |
| Tier 1 risk-based capital ratio | 25.5822% | 803 |
| Total risk-based capital ratio | 26.4284% | 824 |
| Memoranda: | ||
| Average total assets | $97,774,500 | 4,554 |
| Average earning assets | $86,935,250 | 4,606 |
| Average equity | $14,439,750 | 3,959 |
| Average total loans | $38,183,250 | 5,136 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3525% | 5,330 |
| Cost of funding earning assets | 0.3060% | 4,331 |
| Net interest margin | 3.0464% | 5,103 |
| Noninterest income to average assets | 0.4379% | 3,794 |
| Noninterest expense to average assets | 1.9336% | 5,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2031% | 1,593 |
| Return on assets (ROA) | 1.2031% | 1,671 |
| Pretax return on assets | 1.2134% | 2,721 |
| Return on Equity (ROE) | 8.1429% | 2,967 |
| Retained earnings to average equity (ytd only) | 3.3236% | 3,931 |
| Net charge-offs to loans | -0.0054% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4434% | 4,761 |
| Assets per employee ($millions) | 5.6718% | 1,599 |
| Cash dividends to net income (ytd only)* | 59.1837% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 3,579 |
| Loan loss allowance to noncurrent loans | 5,155.5556% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.5735% | 3,691 |
| Noncurrent loans to loans | 0.0240% | 5,663 |
| Net loans and leases to total assets | 38.4169% | 5,717 |
| Net loans and leases to deposits | 46.0853% | 5,671 |
| Net loans and leases to core deposits | 49.5963% | 5,628 |
| Total domestic deposits to total assets | 83.3605% | 3,809 |
| Equity capital to assets | 14.8578% | 728 |
| Core capital (leverage) ratio | 13.9037% | 869 |
| Tier 1 risk-based capital ratio | 27.3984% | 678 |
| Total risk-based capital ratio | 28.3174% | 688 |
| Memoranda: | ||
| Average total assets | $97,745,670 | 4,599 |
| Average earning assets | $86,921,330 | 4,656 |
| Average equity | $14,442,000 | 3,975 |
| Average total loans | $36,866,670 | 5,225 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4007% | 5,199 |
| Cost of funding earning assets | 0.3083% | 4,348 |
| Net interest margin | 3.0924% | 4,975 |
| Noninterest income to average assets | 0.4065% | 3,950 |
| Noninterest expense to average assets | 1.9185% | 5,723 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2153% | 1,504 |
| Return on assets (ROA) | 1.2153% | 1,598 |
| Pretax return on assets | 1.2194% | 2,590 |
| Return on Equity (ROE) | 8.2483% | 2,827 |
| Retained earnings to average equity (ytd only) | 6.2069% | 2,375 |
| Net charge-offs to loans | -0.0109% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1399% | 4,941 |
| Assets per employee ($millions) | 5.8466% | 1,511 |
| Cash dividends to net income (ytd only)* | 24.7492% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 3,671 |
| Loan loss allowance to noncurrent loans | 5,155.5556% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.5564% | 3,811 |
| Noncurrent loans to loans | 0.0243% | 5,706 |
| Net loans and leases to total assets | 36.7826% | 5,788 |
| Net loans and leases to deposits | 43.9443% | 5,762 |
| Net loans and leases to core deposits | 47.4170% | 5,696 |
| Total domestic deposits to total assets | 83.7029% | 3,935 |
| Equity capital to assets | 14.7507% | 762 |
| Core capital (leverage) ratio | 13.8546% | 868 |
| Tier 1 risk-based capital ratio | 27.0223% | 714 |
| Total risk-based capital ratio | 27.9295% | 723 |
| Memoranda: | ||
| Average total assets | $98,408,000 | 4,613 |
| Average earning assets | $86,924,000 | 4,695 |
| Average equity | $14,500,000 | 3,997 |
| Average total loans | $36,547,000 | 5,270 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3614% | 5,600 |
| Cost of funding earning assets | 0.3248% | 4,540 |
| Net interest margin | 3.0367% | 5,357 |
| Noninterest income to average assets | 0.4338% | 3,942 |
| Noninterest expense to average assets | 1.9480% | 5,860 |
| Loan and lease loss provision to assets | 0.0206% | 4,204 |
| Net operating income to assets | 1.2461% | 1,449 |
| Return on assets (ROA) | 1.2675% | 1,435 |
| Pretax return on assets | 1.2839% | 2,295 |
| Return on Equity (ROE) | 9.0000% | 2,584 |
| Retained earnings to average equity (ytd only) | 3.6350% | 3,634 |
| Net charge-offs to loans | 0.5745% | 703 |
| Credit loss provision to net charge-offs | 9.8039% | 4,105 |
| Earnings coverage of net charge-offs (x) | 6.1176% | 3,270 |
| Efficiency ratio | 60.2927% | 5,181 |
| Assets per employee ($millions) | 5.7308% | 1,579 |
| Cash dividends to net income (ytd only)* | 59.6107% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 3,520 |
| Loan loss allowance to noncurrent loans | 5,144.4444% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.5676% | 3,903 |
| Noncurrent loans to loans | 0.0250% | 5,788 |
| Net loans and leases to total assets | 36.5495% | 5,926 |
| Net loans and leases to deposits | 43.7316% | 5,887 |
| Net loans and leases to core deposits | 47.0284% | 5,849 |
| Total domestic deposits to total assets | 83.5769% | 3,891 |
| Equity capital to assets | 14.7181% | 755 |
| Core capital (leverage) ratio | 14.0648% | 800 |
| Tier 1 risk-based capital ratio | 27.3662% | 652 |
| Total risk-based capital ratio | 28.2982% | 662 |
| Memoranda: | ||
| Average total assets | $97,278,800 | 4,669 |
| Average earning assets | $89,604,200 | 4,665 |
| Average equity | $13,700,000 | 4,072 |
| Average total loans | $35,508,000 | 5,345 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3489% | 5,675 |
| Cost of funding earning assets | 0.3240% | 4,628 |
| Net interest margin | 3.0249% | 5,450 |
| Noninterest income to average assets | 0.4168% | 4,124 |
| Noninterest expense to average assets | 1.8866% | 5,975 |
| Loan and lease loss provision to assets | 0.0247% | 3,916 |
| Net operating income to assets | 1.3042% | 1,357 |
| Return on assets (ROA) | 1.3327% | 1,342 |
| Pretax return on assets | 1.3505% | 2,193 |
| Return on Equity (ROE) | 9.5712% | 2,418 |
| Retained earnings to average equity (ytd only) | 4.8053% | 3,211 |
| Net charge-offs to loans | -0.0113% | 5,454 |
| Credit loss provision to net charge-offs | -600.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3545% | 5,396 |
| Assets per employee ($millions) | 5.6332% | 1,610 |
| Cash dividends to net income (ytd only)* | 49.7944% | 1,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 1,694 |
| Loan loss allowance to noncurrent loans | 88.0105% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 0.7926% | 3,445 |
| Noncurrent loans to loans | 2.0451% | 1,534 |
| Net loans and leases to total assets | 38.0571% | 5,940 |
| Net loans and leases to deposits | 45.4982% | 5,899 |
| Net loans and leases to core deposits | 48.8788% | 5,846 |
| Total domestic deposits to total assets | 83.6452% | 3,902 |
| Equity capital to assets | 14.7582% | 785 |
| Core capital (leverage) ratio | 14.2784% | 777 |
| Tier 1 risk-based capital ratio | 27.6925% | 663 |
| Total risk-based capital ratio | 28.9442% | 645 |
| Memoranda: | ||
| Average total assets | $97,242,500 | 4,713 |
| Average earning assets | $90,533,750 | 4,691 |
| Average equity | $13,540,250 | 4,121 |
| Average total loans | $35,367,250 | 5,402 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3507% | 5,714 |
| Cost of funding earning assets | 0.3252% | 4,703 |
| Net interest margin | 3.0255% | 5,452 |
| Noninterest income to average assets | 0.4297% | 4,026 |
| Noninterest expense to average assets | 1.8826% | 6,027 |
| Loan and lease loss provision to assets | 0.0246% | 3,787 |
| Net operating income to assets | 1.3244% | 1,239 |
| Return on assets (ROA) | 1.3670% | 1,183 |
| Pretax return on assets | 1.3833% | 1,955 |
| Return on Equity (ROE) | 10.0130% | 2,148 |
| Retained earnings to average equity (ytd only) | 4.1821% | 3,507 |
| Net charge-offs to loans | -0.0172% | 5,492 |
| Credit loss provision to net charge-offs | -400.0000% | 5,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9710% | 5,555 |
| Assets per employee ($millions) | 5.5722% | 1,631 |
| Cash dividends to net income (ytd only)* | 58.2335% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 1,709 |
| Loan loss allowance to noncurrent loans | 87.2200% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 0.8012% | 3,561 |
| Noncurrent loans to loans | 2.1185% | 1,565 |
| Net loans and leases to total assets | 37.1221% | 6,000 |
| Net loans and leases to deposits | 44.4367% | 5,960 |
| Net loans and leases to core deposits | 47.7079% | 5,912 |
| Total domestic deposits to total assets | 83.5392% | 4,095 |
| Equity capital to assets | 14.7264% | 770 |
| Core capital (leverage) ratio | 13.7789% | 892 |
| Tier 1 risk-based capital ratio | 28.1549% | 634 |
| Total risk-based capital ratio | 29.4074% | 621 |
| Memoranda: | ||
| Average total assets | $97,735,330 | 4,739 |
| Average earning assets | $91,025,000 | 4,702 |
| Average equity | $13,342,670 | 4,159 |
| Average total loans | $34,785,330 | 5,465 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3595% | 5,731 |
| Cost of funding earning assets | 0.3294% | 4,741 |
| Net interest margin | 3.0300% | 5,445 |
| Noninterest income to average assets | 0.4514% | 3,777 |
| Noninterest expense to average assets | 1.8178% | 6,199 |
| Loan and lease loss provision to assets | 0.0242% | 3,520 |
| Net operating income to assets | 1.4148% | 963 |
| Return on assets (ROA) | 1.4148% | 1,006 |
| Pretax return on assets | 1.4269% | 1,654 |
| Return on Equity (ROE) | 10.7677% | 1,774 |
| Retained earnings to average equity (ytd only) | 7.8534% | 1,654 |
| Net charge-offs to loans | -0.0117% | 5,114 |
| Credit loss provision to net charge-offs | -600.0000% | 5,219 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6104% | 5,869 |
| Assets per employee ($millions) | 5.5936% | 1,618 |
| Cash dividends to net income (ytd only)* | 27.0655% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 1,653 |
| Loan loss allowance to noncurrent loans | 82.4716% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 0.7876% | 3,771 |
| Noncurrent loans to loans | 2.3475% | 1,502 |
| Net loans and leases to total assets | 32.9010% | 6,233 |
| Net loans and leases to deposits | 38.5697% | 6,219 |
| Net loans and leases to core deposits | 40.9307% | 6,201 |
| Total domestic deposits to total assets | 85.3025% | 3,721 |
| Equity capital to assets | 13.2245% | 1,200 |
| Core capital (leverage) ratio | 13.2822% | 1,047 |
| Tier 1 risk-based capital ratio | 28.8920% | 582 |
| Total risk-based capital ratio | 30.1448% | 570 |
| Memoranda: | ||
| Average total assets | $99,239,000 | 4,752 |
| Average earning assets | $92,277,000 | 4,718 |
| Average equity | $13,039,000 | 4,228 |
| Average total loans | $34,264,500 | 5,531 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2029% | 6,127 |
| Cost of funding earning assets | 0.3762% | 4,880 |
| Net interest margin | 2.8267% | 5,936 |
| Noninterest income to average assets | 0.4461% | 4,110 |
| Noninterest expense to average assets | 1.7948% | 6,327 |
| Loan and lease loss provision to assets | 0.0622% | 3,893 |
| Net operating income to assets | 1.2028% | 1,557 |
| Return on assets (ROA) | 1.2709% | 1,387 |
| Pretax return on assets | 1.2937% | 2,180 |
| Return on Equity (ROE) | 9.1802% | 2,460 |
| Retained earnings to average equity (ytd only) | 3.2974% | 3,887 |
| Net charge-offs to loans | 0.0156% | 5,132 |
| Credit loss provision to net charge-offs | 1,200.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 183 |
| Efficiency ratio | 58.2492% | 5,706 |
| Assets per employee ($millions) | 5.4330% | 1,723 |
| Cash dividends to net income (ytd only)* | 64.0816% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 1,883 |
| Loan loss allowance to noncurrent loans | 86.2667% | 3,992 |
| Noncurrent assets plus other real estate owned to assets | 0.7669% | 3,971 |
| Noncurrent loans to loans | 2.1583% | 1,820 |
| Net loans and leases to total assets | 34.8713% | 6,250 |
| Net loans and leases to deposits | 40.8686% | 6,275 |
| Net loans and leases to core deposits | 43.1469% | 6,265 |
| Total domestic deposits to total assets | 85.3253% | 3,581 |
| Equity capital to assets | 13.0509% | 1,256 |
| Core capital (leverage) ratio | 13.2397% | 1,040 |
| Tier 1 risk-based capital ratio | 27.9895% | 612 |
| Total risk-based capital ratio | 29.2419% | 595 |
| Memoranda: | ||
| Average total assets | $96,389,200 | 4,828 |
| Average earning assets | $89,857,400 | 4,773 |
| Average equity | $13,344,000 | 4,196 |
| Average total loans | $31,978,800 | 5,668 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1487% | 6,257 |
| Cost of funding earning assets | 0.3834% | 4,963 |
| Net interest margin | 2.7654% | 6,068 |
| Noninterest income to average assets | 0.4498% | 4,156 |
| Noninterest expense to average assets | 1.7854% | 6,360 |
| Loan and lease loss provision to assets | 0.0833% | 3,399 |
| Net operating income to assets | 1.1456% | 1,830 |
| Return on assets (ROA) | 1.2273% | 1,615 |
| Pretax return on assets | 1.2481% | 2,518 |
| Return on Equity (ROE) | 8.7376% | 2,774 |
| Retained earnings to average equity (ytd only) | 3.4496% | 4,236 |
| Net charge-offs to loans | 0.0043% | 5,106 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 901.2331% | 52 |
| Efficiency ratio | 58.8558% | 5,578 |
| Assets per employee ($millions) | 5.3823% | 1,755 |
| Cash dividends to net income (ytd only)* | 60.5206% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9607% | 1,823 |
| Loan loss allowance to noncurrent loans | 86.8000% | 3,854 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 4,027 |
| Noncurrent loans to loans | 2.2589% | 1,941 |
| Net loans and leases to total assets | 33.5990% | 6,381 |
| Net loans and leases to deposits | 39.3570% | 6,404 |
| Net loans and leases to core deposits | 41.4240% | 6,403 |
| Total domestic deposits to total assets | 85.3697% | 3,555 |
| Equity capital to assets | 13.1440% | 1,270 |
| Core capital (leverage) ratio | 13.4805% | 1,033 |
| Tier 1 risk-based capital ratio | 28.9202% | 570 |
| Total risk-based capital ratio | 30.1721% | 559 |
| Memoranda: | ||
| Average total assets | $96,038,000 | 4,881 |
| Average earning assets | $89,726,750 | 4,819 |
| Average equity | $13,489,250 | 4,217 |
| Average total loans | $31,286,250 | 5,751 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1381% | 6,300 |
| Cost of funding earning assets | 0.3931% | 5,002 |
| Net interest margin | 2.7450% | 6,106 |
| Noninterest income to average assets | 0.4804% | 3,958 |
| Noninterest expense to average assets | 1.7837% | 6,401 |
| Loan and lease loss provision to assets | 0.1253% | 2,755 |
| Net operating income to assets | 1.1178% | 1,873 |
| Return on assets (ROA) | 1.2406% | 1,584 |
| Pretax return on assets | 1.2636% | 2,429 |
| Return on Equity (ROE) | 8.6457% | 2,781 |
| Retained earnings to average equity (ytd only) | 2.4889% | 4,717 |
| Net charge-offs to loans | 0.0065% | 4,757 |
| Credit loss provision to net charge-offs | 6,000.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 605.0000% | 66 |
| Efficiency ratio | 58.5332% | 5,663 |
| Assets per employee ($millions) | 5.6652% | 1,445 |
| Cash dividends to net income (ytd only)* | 71.2121% | 1,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0164% | 1,814 |
| Loan loss allowance to noncurrent loans | 86.8000% | 3,815 |
| Noncurrent assets plus other real estate owned to assets | 0.8400% | 4,138 |
| Noncurrent loans to loans | 2.3231% | 2,030 |
| Net loans and leases to total assets | 32.8464% | 6,466 |
| Net loans and leases to deposits | 38.6738% | 6,461 |
| Net loans and leases to core deposits | 41.0831% | 6,431 |
| Total domestic deposits to total assets | 84.9318% | 3,917 |
| Equity capital to assets | 13.4266% | 1,172 |
| Core capital (leverage) ratio | 13.0496% | 1,142 |
| Tier 1 risk-based capital ratio | 29.1046% | 570 |
| Total risk-based capital ratio | 30.3571% | 558 |
| Memoranda: | ||
| Average total assets | $95,757,000 | 4,918 |
| Average earning assets | $89,545,000 | 4,857 |
| Average equity | $13,741,000 | 4,203 |
| Average total loans | $30,647,670 | 5,814 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1142% | 6,386 |
| Cost of funding earning assets | 0.4054% | 5,046 |
| Net interest margin | 2.7087% | 6,203 |
| Noninterest income to average assets | 0.5027% | 3,751 |
| Noninterest expense to average assets | 1.7637% | 6,479 |
| Loan and lease loss provision to assets | 0.1885% | 1,951 |
| Net operating income to assets | 1.0752% | 1,950 |
| Return on assets (ROA) | 1.2107% | 1,611 |
| Pretax return on assets | 1.2358% | 2,446 |
| Return on Equity (ROE) | 8.1719% | 2,888 |
| Retained earnings to average equity (ytd only) | 5.0049% | 3,227 |
| Net charge-offs to loans | 0.0402% | 3,471 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 102.3333% | 374 |
| Efficiency ratio | 57.8297% | 5,868 |
| Assets per employee ($millions) | 5.7638% | 1,427 |
| Cash dividends to net income (ytd only)* | 38.7543% | 1,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1623% | 1,661 |
| Loan loss allowance to noncurrent loans | 81.9121% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 4,312 |
| Noncurrent loans to loans | 2.6397% | 1,948 |
| Net loans and leases to total assets | 29.2769% | 6,632 |
| Net loans and leases to deposits | 34.8042% | 6,608 |
| Net loans and leases to core deposits | 37.0088% | 6,595 |
| Total domestic deposits to total assets | 84.1190% | 4,424 |
| Equity capital to assets | 14.4114% | 902 |
| Core capital (leverage) ratio | 13.0651% | 1,090 |
| Tier 1 risk-based capital ratio | 31.3292% | 475 |
| Total risk-based capital ratio | 32.5839% | 466 |
| Memoranda: | ||
| Average total assets | $95,481,000 | 4,958 |
| Average earning assets | $89,783,500 | 4,890 |
| Average equity | $14,146,000 | 4,169 |
| Average total loans | $29,829,000 | 5,902 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5759% | 6,258 |
| Cost of funding earning assets | 0.5450% | 4,860 |
| Net interest margin | 3.0309% | 5,974 |
| Noninterest income to average assets | 0.4424% | 4,301 |
| Noninterest expense to average assets | 1.7958% | 6,628 |
| Loan and lease loss provision to assets | 0.1971% | 3,169 |
| Net operating income to assets | 1.2654% | 1,406 |
| Return on assets (ROA) | 1.3326% | 1,358 |
| Pretax return on assets | 1.3490% | 2,218 |
| Return on Equity (ROE) | 8.4850% | 2,872 |
| Retained earnings to average equity (ytd only) | 1.2689% | 5,232 |
| Net charge-offs to loans | 0.0423% | 5,329 |
| Credit loss provision to net charge-offs | 1,500.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 341 |
| Efficiency ratio | 54.8495% | 6,195 |
| Assets per employee ($millions) | 5.4692% | 1,712 |
| Cash dividends to net income (ytd only)* | 85.0452% | 841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9514% | 2,152 |
| Loan loss allowance to noncurrent loans | 76.4858% | 4,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8701% | 4,307 |
| Noncurrent loans to loans | 2.5513% | 2,076 |
| Net loans and leases to total assets | 31.9918% | 6,631 |
| Net loans and leases to deposits | 38.5178% | 6,619 |
| Net loans and leases to core deposits | 40.9260% | 6,585 |
| Total domestic deposits to total assets | 83.0571% | 4,697 |
| Equity capital to assets | 15.2414% | 692 |
| Core capital (leverage) ratio | 13.2899% | 1,019 |
| Tier 1 risk-based capital ratio | 30.4460% | 497 |
| Total risk-based capital ratio | 31.6968% | 488 |
| Memoranda: | ||
| Average total assets | $91,323,800 | 5,041 |
| Average earning assets | $85,321,600 | 4,983 |
| Average equity | $14,343,000 | 4,095 |
| Average total loans | $28,395,600 | 6,022 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6448% | 6,325 |
| Cost of funding earning assets | 0.5723% | 4,894 |
| Net interest margin | 3.0724% | 6,001 |
| Noninterest income to average assets | 0.4194% | 4,486 |
| Noninterest expense to average assets | 1.7541% | 6,731 |
| Loan and lease loss provision to assets | 0.1980% | 3,103 |
| Net operating income to assets | 1.3179% | 1,399 |
| Return on assets (ROA) | 1.4079% | 1,326 |
| Pretax return on assets | 1.4241% | 2,162 |
| Return on Equity (ROE) | 8.8973% | 2,851 |
| Retained earnings to average equity (ytd only) | 2.0390% | 5,305 |
| Net charge-offs to loans | 0.0334% | 5,178 |
| Credit loss provision to net charge-offs | 1,928.5714% | 139 |
| Earnings coverage of net charge-offs (x) | 149.1929% | 295 |
| Efficiency ratio | 53.3929% | 6,311 |
| Assets per employee ($millions) | 5.3465% | 1,787 |
| Cash dividends to net income (ytd only)* | 77.0831% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9248% | 2,403 |
| Loan loss allowance to noncurrent loans | 70.4981% | 4,201 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 4,483 |
| Noncurrent loans to loans | 2.7303% | 2,074 |
| Net loans and leases to total assets | 30.9448% | 6,777 |
| Net loans and leases to deposits | 37.5690% | 6,764 |
| Net loans and leases to core deposits | 39.7726% | 6,746 |
| Total domestic deposits to total assets | 82.3679% | 4,890 |
| Equity capital to assets | 16.0555% | 596 |
| Core capital (leverage) ratio | 13.8635% | 878 |
| Tier 1 risk-based capital ratio | 31.9966% | 446 |
| Total risk-based capital ratio | 33.2493% | 438 |
| Memoranda: | ||
| Average total assets | $90,910,500 | 5,108 |
| Average earning assets | $84,794,750 | 5,049 |
| Average equity | $14,386,000 | 4,123 |
| Average total loans | $27,910,250 | 6,114 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6536% | 6,412 |
| Cost of funding earning assets | 0.5893% | 4,994 |
| Net interest margin | 3.0643% | 6,087 |
| Noninterest income to average assets | 0.4312% | 4,426 |
| Noninterest expense to average assets | 1.7576% | 6,792 |
| Loan and lease loss provision to assets | 0.1980% | 3,103 |
| Net operating income to assets | 1.3331% | 1,352 |
| Return on assets (ROA) | 1.3331% | 1,504 |
| Pretax return on assets | 1.3353% | 2,438 |
| Return on Equity (ROE) | 8.4655% | 3,033 |
| Retained earnings to average equity (ytd only) | -0.5448% | 6,135 |
| Net charge-offs to loans | 0.0072% | 5,379 |
| Credit loss provision to net charge-offs | 9,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 697.0000% | 49 |
| Efficiency ratio | 53.4091% | 6,378 |
| Assets per employee ($millions) | 5.5891% | 1,542 |
| Cash dividends to net income (ytd only)* | 106.4356% | 371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7971% | 2,864 |
| Loan loss allowance to noncurrent loans | 62.1818% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 0.9226% | 4,527 |
| Noncurrent loans to loans | 2.8901% | 2,071 |
| Net loans and leases to total assets | 31.3477% | 6,837 |
| Net loans and leases to deposits | 38.1189% | 6,800 |
| Net loans and leases to core deposits | 40.5253% | 6,787 |
| Total domestic deposits to total assets | 82.2367% | 5,040 |
| Equity capital to assets | 16.0233% | 577 |
| Core capital (leverage) ratio | 13.4485% | 991 |
| Tier 1 risk-based capital ratio | 32.2235% | 430 |
| Total risk-based capital ratio | 33.4750% | 426 |
| Memoranda: | ||
| Average total assets | $90,917,000 | 5,140 |
| Average earning assets | $84,847,330 | 5,081 |
| Average equity | $14,317,000 | 4,134 |
| Average total loans | $27,654,330 | 6,170 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5859% | 6,590 |
| Cost of funding earning assets | 0.6008% | 5,115 |
| Net interest margin | 2.9851% | 6,322 |
| Noninterest income to average assets | 0.3884% | 4,756 |
| Noninterest expense to average assets | 1.7063% | 6,891 |
| Loan and lease loss provision to assets | 0.1964% | 2,982 |
| Net operating income to assets | 1.2568% | 1,586 |
| Return on assets (ROA) | 1.2568% | 1,756 |
| Pretax return on assets | 1.2611% | 2,689 |
| Return on Equity (ROE) | 8.0498% | 3,267 |
| Retained earnings to average equity (ytd only) | -1.7329% | 6,246 |
| Net charge-offs to loans | 0.1176% | 3,411 |
| Credit loss provision to net charge-offs | 562.5000% | 600 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 719 |
| Efficiency ratio | 53.9310% | 6,358 |
| Assets per employee ($millions) | 5.8440% | 1,389 |
| Cash dividends to net income (ytd only)* | 121.5278% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 3,363 |
| Loan loss allowance to noncurrent loans | 61.4667% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 0.8021% | 4,940 |
| Noncurrent loans to loans | 2.7605% | 2,354 |
| Net loans and leases to total assets | 28.5635% | 6,957 |
| Net loans and leases to deposits | 34.3304% | 6,940 |
| Net loans and leases to core deposits | 36.4709% | 6,926 |
| Total domestic deposits to total assets | 83.2018% | 4,844 |
| Equity capital to assets | 15.3084% | 693 |
| Core capital (leverage) ratio | 13.4058% | 979 |
| Tier 1 risk-based capital ratio | 32.6606% | 404 |
| Total risk-based capital ratio | 33.8736% | 397 |
| Memoranda: | ||
| Average total assets | $91,662,500 | 5,159 |
| Average earning assets | $85,222,000 | 5,107 |
| Average equity | $14,311,000 | 4,134 |
| Average total loans | $27,208,500 | 6,238 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8426% | 6,682 |
| Cost of funding earning assets | 0.7413% | 5,270 |
| Net interest margin | 3.1013% | 6,344 |
| Noninterest income to average assets | 0.4638% | 4,102 |
| Noninterest expense to average assets | 1.9085% | 6,816 |
| Loan and lease loss provision to assets | 0.2046% | 4,139 |
| Net operating income to assets | 1.2413% | 1,402 |
| Return on assets (ROA) | 1.2413% | 1,500 |
| Pretax return on assets | 1.2560% | 2,282 |
| Return on Equity (ROE) | 8.0928% | 2,860 |
| Retained earnings to average equity (ytd only) | 4.4244% | 3,023 |
| Net charge-offs to loans | 0.0237% | 6,106 |
| Credit loss provision to net charge-offs | 3,000.0000% | 73 |
| Earnings coverage of net charge-offs (x) | 214.1667% | 159 |
| Efficiency ratio | 56.6464% | 6,235 |
| Assets per employee ($millions) | 5.6138% | 1,520 |
| Cash dividends to net income (ytd only)* | 45.3297% | 2,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 3,773 |
| Loan loss allowance to noncurrent loans | 56.5333% | 4,683 |
| Noncurrent assets plus other real estate owned to assets | 0.8350% | 4,955 |
| Noncurrent loans to loans | 2.7525% | 2,373 |
| Net loans and leases to total assets | 29.8638% | 7,010 |
| Net loans and leases to deposits | 36.2340% | 6,989 |
| Net loans and leases to core deposits | 38.5580% | 6,984 |
| Total domestic deposits to total assets | 82.4195% | 4,995 |
| Equity capital to assets | 15.9295% | 585 |
| Core capital (leverage) ratio | 13.4478% | 986 |
| Tier 1 risk-based capital ratio | 33.5747% | 374 |
| Total risk-based capital ratio | 34.7159% | 372 |
| Memoranda: | ||
| Average total assets | $87,975,400 | 5,238 |
| Average earning assets | $82,417,600 | 5,159 |
| Average equity | $13,493,400 | 4,239 |
| Average total loans | $25,280,400 | 6,404 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8658% | 6,773 |
| Cost of funding earning assets | 0.7650% | 5,366 |
| Net interest margin | 3.1008% | 6,382 |
| Noninterest income to average assets | 0.4601% | 4,220 |
| Noninterest expense to average assets | 1.9288% | 6,818 |
| Loan and lease loss provision to assets | 0.2057% | 3,961 |
| Net operating income to assets | 1.2158% | 1,611 |
| Return on assets (ROA) | 1.2158% | 1,722 |
| Pretax return on assets | 1.2280% | 2,530 |
| Return on Equity (ROE) | 8.0059% | 3,035 |
| Retained earnings to average equity (ytd only) | 5.2872% | 3,001 |
| Net charge-offs to loans | 0.0054% | 6,106 |
| Credit loss provision to net charge-offs | 13,500.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 943.3383% | 32 |
| Efficiency ratio | 57.3629% | 6,097 |
| Assets per employee ($millions) | 5.8639% | 1,300 |
| Cash dividends to net income (ytd only)* | 33.9596% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,932 |
| Loan loss allowance to noncurrent loans | 50.2618% | 4,988 |
| Noncurrent assets plus other real estate owned to assets | 0.8686% | 5,013 |
| Noncurrent loans to loans | 3.0559% | 2,269 |
| Net loans and leases to total assets | 27.9872% | 7,145 |
| Net loans and leases to deposits | 34.0494% | 7,131 |
| Net loans and leases to core deposits | 36.5476% | 7,105 |
| Total domestic deposits to total assets | 82.1960% | 5,014 |
| Equity capital to assets | 16.2634% | 587 |
| Core capital (leverage) ratio | 13.7540% | 972 |
| Tier 1 risk-based capital ratio | 34.5360% | 369 |
| Total risk-based capital ratio | 35.6051% | 367 |
| Memoranda: | ||
| Average total assets | $87,514,000 | 5,286 |
| Average earning assets | $81,912,500 | 5,220 |
| Average equity | $13,289,750 | 4,289 |
| Average total loans | $24,788,500 | 6,493 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8026% | 6,913 |
| Cost of funding earning assets | 0.7728% | 5,547 |
| Net interest margin | 3.0299% | 6,554 |
| Noninterest income to average assets | 0.4578% | 4,218 |
| Noninterest expense to average assets | 1.9367% | 6,898 |
| Loan and lease loss provision to assets | 0.2060% | 3,861 |
| Net operating income to assets | 1.1423% | 1,749 |
| Return on assets (ROA) | 1.1423% | 1,821 |
| Pretax return on assets | 1.1515% | 2,664 |
| Return on Equity (ROE) | 7.7058% | 3,093 |
| Retained earnings to average equity (ytd only) | 3.8760% | 3,732 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7908% | 6,059 |
| Assets per employee ($millions) | 5.6490% | 1,446 |
| Cash dividends to net income (ytd only)* | 49.6994% | 1,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 4,746 |
| Loan loss allowance to noncurrent loans | 44.9735% | 5,317 |
| Noncurrent assets plus other real estate owned to assets | 0.8364% | 5,206 |
| Noncurrent loans to loans | 3.0385% | 2,385 |
| Net loans and leases to total assets | 27.1519% | 7,262 |
| Net loans and leases to deposits | 32.6356% | 7,262 |
| Net loans and leases to core deposits | 35.1354% | 7,236 |
| Total domestic deposits to total assets | 83.1972% | 4,675 |
| Equity capital to assets | 15.1299% | 790 |
| Core capital (leverage) ratio | 13.3859% | 1,034 |
| Tier 1 risk-based capital ratio | 33.6795% | 394 |
| Total risk-based capital ratio | 34.6236% | 395 |
| Memoranda: | ||
| Average total assets | $87,366,000 | 5,329 |
| Average earning assets | $81,785,670 | 5,269 |
| Average equity | $12,951,330 | 4,350 |
| Average total loans | $24,717,670 | 6,551 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 7,073 |
| Cost of funding earning assets | 0.8008% | 5,574 |
| Net interest margin | 2.8948% | 6,769 |
| Noninterest income to average assets | 0.4379% | 4,383 |
| Noninterest expense to average assets | 1.9847% | 6,849 |
| Loan and lease loss provision to assets | 0.2097% | 3,548 |
| Net operating income to assets | 0.9551% | 2,336 |
| Return on assets (ROA) | 0.9551% | 2,401 |
| Pretax return on assets | 0.9551% | 3,301 |
| Return on Equity (ROE) | 6.5134% | 3,626 |
| Retained earnings to average equity (ytd only) | 5.7508% | 2,777 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0178% | 5,525 |
| Assets per employee ($millions) | 5.2625% | 1,811 |
| Cash dividends to net income (ytd only)* | 11.7073% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,616 |
| Loan loss allowance to noncurrent loans | 39.0212% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8451% | 5,214 |
| Noncurrent loans to loans | 3.0852% | 2,433 |
| Net loans and leases to total assets | 27.0607% | 7,319 |
| Net loans and leases to deposits | 32.0904% | 7,321 |
| Net loans and leases to core deposits | 34.3653% | 7,300 |
| Total domestic deposits to total assets | 84.3263% | 4,356 |
| Equity capital to assets | 14.3010% | 931 |
| Core capital (leverage) ratio | 13.6263% | 931 |
| Tier 1 risk-based capital ratio | 23.0777% | 1,071 |
| Total risk-based capital ratio | 23.6422% | 1,144 |
| Memoranda: | ||
| Average total assets | $85,857,000 | 5,409 |
| Average earning assets | $80,420,000 | 5,347 |
| Average equity | $12,589,500 | 4,423 |
| Average total loans | $24,636,000 | 6,606 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1841% | 6,948 |
| Cost of funding earning assets | 1.0431% | 5,465 |
| Net interest margin | 3.1410% | 6,413 |
| Noninterest income to average assets | 0.5302% | 3,951 |
| Noninterest expense to average assets | 2.0413% | 6,962 |
| Loan and lease loss provision to assets | 0.4046% | 3,691 |
| Net operating income to assets | 0.9783% | 2,113 |
| Return on assets (ROA) | 1.2139% | 1,457 |
| Pretax return on assets | 1.2284% | 2,147 |
| Return on Equity (ROE) | 7.8977% | 2,740 |
| Retained earnings to average equity (ytd only) | 1.9175% | 4,519 |
| Net charge-offs to loans | 2.6177% | 700 |
| Credit loss provision to net charge-offs | 48.4104% | 6,287 |
| Earnings coverage of net charge-offs (x) | 1.6691% | 4,487 |
| Efficiency ratio | 59.4025% | 6,134 |
| Assets per employee ($millions) | 5.1408% | 1,959 |
| Cash dividends to net income (ytd only)* | 75.7214% | 1,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 6,345 |
| Loan loss allowance to noncurrent loans | 25.7998% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 4,656 |
| Noncurrent loans to loans | 3.9123% | 1,868 |
| Net loans and leases to total assets | 29.8084% | 7,362 |
| Net loans and leases to deposits | 35.8199% | 7,349 |
| Net loans and leases to core deposits | 38.4277% | 7,340 |
| Total domestic deposits to total assets | 83.2174% | 4,701 |
| Equity capital to assets | 15.0574% | 771 |
| Core capital (leverage) ratio | 13.9853% | 848 |
| Tier 1 risk-based capital ratio | 32.6417% | 417 |
| Total risk-based capital ratio | 33.3288% | 417 |
| Memoranda: | ||
| Average total assets | $82,791,400 | 5,502 |
| Average earning assets | $76,599,000 | 5,460 |
| Average equity | $12,725,200 | 4,419 |
| Average total loans | $26,435,800 | 6,590 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 7,007 |
| Cost of funding earning assets | 1.0780% | 5,557 |
| Net interest margin | 3.1905% | 6,375 |
| Noninterest income to average assets | 0.5032% | 4,159 |
| Noninterest expense to average assets | 2.0564% | 6,941 |
| Loan and lease loss provision to assets | 0.3055% | 4,130 |
| Net operating income to assets | 1.0724% | 1,997 |
| Return on assets (ROA) | 1.2300% | 1,590 |
| Pretax return on assets | 1.2460% | 2,350 |
| Return on Equity (ROE) | 7.9621% | 2,920 |
| Retained earnings to average equity (ytd only) | 3.0184% | 4,321 |
| Net charge-offs to loans | 0.0596% | 5,917 |
| Credit loss provision to net charge-offs | 1,583.3333% | 195 |
| Earnings coverage of net charge-offs (x) | 72.1650% | 417 |
| Efficiency ratio | 59.6270% | 6,008 |
| Assets per employee ($millions) | 5.5478% | 1,589 |
| Cash dividends to net income (ytd only)* | 62.0920% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5914% | 1,218 |
| Loan loss allowance to noncurrent loans | 54.6657% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 1.8278% | 3,711 |
| Noncurrent loans to loans | 4.7404% | 1,489 |
| Net loans and leases to total assets | 35.4591% | 7,285 |
| Net loans and leases to deposits | 42.9858% | 7,272 |
| Net loans and leases to core deposits | 49.1415% | 7,153 |
| Total domestic deposits to total assets | 82.4904% | 4,805 |
| Equity capital to assets | 15.9715% | 682 |
| Core capital (leverage) ratio | 14.3297% | 854 |
| Tier 1 risk-based capital ratio | 28.8773% | 572 |
| Total risk-based capital ratio | 30.1245% | 560 |
| Memoranda: | ||
| Average total assets | $82,926,250 | 5,567 |
| Average earning assets | $76,558,500 | 5,530 |
| Average equity | $12,810,250 | 4,475 |
| Average total loans | $26,852,750 | 6,651 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2547% | 7,109 |
| Cost of funding earning assets | 1.0931% | 5,711 |
| Net interest margin | 3.1616% | 6,428 |
| Noninterest income to average assets | 0.4684% | 4,371 |
| Noninterest expense to average assets | 2.0524% | 7,017 |
| Loan and lease loss provision to assets | 0.1449% | 5,447 |
| Net operating income to assets | 1.1904% | 1,583 |
| Return on assets (ROA) | 1.1904% | 1,652 |
| Pretax return on assets | 1.1904% | 2,445 |
| Return on Equity (ROE) | 7.7945% | 2,967 |
| Retained earnings to average equity (ytd only) | 1.6285% | 5,051 |
| Net charge-offs to loans | 0.0934% | 5,202 |
| Credit loss provision to net charge-offs | 500.0000% | 733 |
| Earnings coverage of net charge-offs (x) | 46.0833% | 641 |
| Efficiency ratio | 60.5845% | 5,934 |
| Assets per employee ($millions) | 5.2508% | 1,866 |
| Cash dividends to net income (ytd only)* | 79.1075% | 778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2600% | 1,650 |
| Loan loss allowance to noncurrent loans | 45.5811% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 1.8116% | 3,742 |
| Noncurrent loans to loans | 4.9582% | 1,398 |
| Net loans and leases to total assets | 33.7178% | 7,429 |
| Net loans and leases to deposits | 41.0608% | 7,416 |
| Net loans and leases to core deposits | 46.2421% | 7,340 |
| Total domestic deposits to total assets | 82.1168% | 4,933 |
| Equity capital to assets | 15.6240% | 742 |
| Core capital (leverage) ratio | 13.8488% | 962 |
| Tier 1 risk-based capital ratio | 28.7954% | 580 |
| Total risk-based capital ratio | 30.0221% | 569 |
| Memoranda: | ||
| Average total assets | $82,829,330 | 5,600 |
| Average earning assets | $76,480,330 | 5,562 |
| Average equity | $12,650,000 | 4,511 |
| Average total loans | $25,706,000 | 6,760 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 6,796 |
| Cost of funding earning assets | 1.1088% | 5,858 |
| Net interest margin | 3.3897% | 5,624 |
| Noninterest income to average assets | 0.4669% | 4,325 |
| Noninterest expense to average assets | 2.0526% | 7,054 |
| Loan and lease loss provision to assets | 0.1459% | 5,089 |
| Net operating income to assets | 1.4057% | 1,061 |
| Return on assets (ROA) | 1.4057% | 1,133 |
| Pretax return on assets | 1.3911% | 1,799 |
| Return on Equity (ROE) | 9.3136% | 2,373 |
| Retained earnings to average equity (ytd only) | 5.2852% | 2,992 |
| Net charge-offs to loans | 0.2659% | 3,347 |
| Credit loss provision to net charge-offs | 187.5000% | 1,949 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,185 |
| Efficiency ratio | 57.1816% | 6,608 |
| Assets per employee ($millions) | 5.2968% | 1,868 |
| Cash dividends to net income (ytd only)* | 43.2526% | 1,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6115% | 1,166 |
| Loan loss allowance to noncurrent loans | 1,826.4706% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 6,835 |
| Noncurrent loans to loans | 0.1430% | 7,047 |
| Net loans and leases to total assets | 27.3257% | 7,686 |
| Net loans and leases to deposits | 32.5884% | 7,686 |
| Net loans and leases to core deposits | 36.9175% | 7,639 |
| Total domestic deposits to total assets | 83.8509% | 4,216 |
| Equity capital to assets | 14.7130% | 954 |
| Core capital (leverage) ratio | 14.0905% | 937 |
| Tier 1 risk-based capital ratio | 33.1693% | 404 |
| Total risk-based capital ratio | 34.4260% | 398 |
| Memoranda: | ||
| Average total assets | $82,238,000 | 5,695 |
| Average earning assets | $75,759,000 | 5,645 |
| Average equity | $12,412,000 | 4,613 |
| Average total loans | $24,068,000 | 6,940 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9513% | 6,579 |
| Cost of funding earning assets | 1.2151% | 6,610 |
| Net interest margin | 3.7363% | 3,969 |
| Noninterest income to average assets | 0.5608% | 3,937 |
| Noninterest expense to average assets | 2.3727% | 6,542 |
| Loan and lease loss provision to assets | 0.3569% | 4,662 |
| Net operating income to assets | 1.2452% | 1,139 |
| Return on assets (ROA) | 1.3177% | 1,044 |
| Pretax return on assets | 1.3373% | 1,592 |
| Return on Equity (ROE) | 8.1531% | 2,307 |
| Retained earnings to average equity (ytd only) | 2.6125% | 3,316 |
| Net charge-offs to loans | 0.4171% | 4,140 |
| Credit loss provision to net charge-offs | 260.0000% | 1,349 |
| Earnings coverage of net charge-offs (x) | 11.8095% | 1,565 |
| Efficiency ratio | 59.4108% | 6,572 |
| Assets per employee ($millions) | 4.6899% | 2,628 |
| Cash dividends to net income (ytd only)* | 67.9563% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4921% | 1,240 |
| Loan loss allowance to noncurrent loans | 1,445.2381% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.2784% | 6,756 |
| Noncurrent loans to loans | 0.1724% | 6,989 |
| Net loans and leases to total assets | 29.7888% | 7,711 |
| Net loans and leases to deposits | 35.9870% | 7,725 |
| Net loans and leases to core deposits | 45.5714% | 7,675 |
| Total domestic deposits to total assets | 82.7764% | 4,627 |
| Equity capital to assets | 15.4964% | 790 |
| Core capital (leverage) ratio | 14.3488% | 916 |
| Tier 1 risk-based capital ratio | 32.9379% | 415 |
| Total risk-based capital ratio | 34.1526% | 402 |
| Memoranda: | ||
| Average total assets | $76,496,400 | 5,827 |
| Average earning assets | $70,284,000 | 5,805 |
| Average equity | $12,363,400 | 4,660 |
| Average total loans | $25,174,200 | 6,902 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 6,666 |
| Cost of funding earning assets | 1.2280% | 6,809 |
| Net interest margin | 3.7512% | 3,862 |
| Noninterest income to average assets | 0.5707% | 3,916 |
| Noninterest expense to average assets | 2.4627% | 6,207 |
| Loan and lease loss provision to assets | 0.1374% | 5,975 |
| Net operating income to assets | 1.4092% | 1,002 |
| Return on assets (ROA) | 1.4092% | 1,071 |
| Pretax return on assets | 1.4145% | 1,656 |
| Return on Equity (ROE) | 8.6259% | 2,400 |
| Retained earnings to average equity (ytd only) | 4.1296% | 2,972 |
| Net charge-offs to loans | 0.1734% | 5,006 |
| Credit loss provision to net charge-offs | 236.3636% | 1,850 |
| Earnings coverage of net charge-offs (x) | 26.6964% | 1,011 |
| Efficiency ratio | 61.3427% | 6,220 |
| Assets per employee ($millions) | 4.4878% | 2,883 |
| Cash dividends to net income (ytd only)* | 52.1254% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8878% | 2,063 |
| Loan loss allowance to noncurrent loans | 254.7368% | 1,170 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 6,541 |
| Noncurrent loans to loans | 0.7411% | 5,831 |
| Net loans and leases to total assets | 32.9707% | 7,714 |
| Net loans and leases to deposits | 41.0919% | 7,696 |
| Net loans and leases to core deposits | 48.5955% | 7,715 |
| Total domestic deposits to total assets | 80.2365% | 5,352 |
| Equity capital to assets | 16.9244% | 645 |
| Core capital (leverage) ratio | 15.2923% | 806 |
| Tier 1 risk-based capital ratio | 33.2339% | 429 |
| Total risk-based capital ratio | 34.4843% | 417 |
| Memoranda: | ||
| Average total assets | $75,688,500 | 5,884 |
| Average earning assets | $69,487,750 | 5,861 |
| Average equity | $12,365,500 | 4,692 |
| Average total loans | $25,378,500 | 6,947 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0091% | 6,736 |
| Cost of funding earning assets | 1.2400% | 6,992 |
| Net interest margin | 3.7691% | 3,682 |
| Noninterest income to average assets | 0.5113% | 4,345 |
| Noninterest expense to average assets | 2.4587% | 6,267 |
| Loan and lease loss provision to assets | 0.1272% | 5,833 |
| Net operating income to assets | 1.3830% | 1,064 |
| Return on assets (ROA) | 1.3830% | 1,132 |
| Pretax return on assets | 1.3804% | 1,787 |
| Return on Equity (ROE) | 8.5691% | 2,533 |
| Retained earnings to average equity (ytd only) | 2.8564% | 3,736 |
| Net charge-offs to loans | 0.2689% | 3,845 |
| Credit loss provision to net charge-offs | 141.1765% | 3,299 |
| Earnings coverage of net charge-offs (x) | 16.7353% | 1,523 |
| Efficiency ratio | 61.9906% | 6,245 |
| Assets per employee ($millions) | 4.4056% | 2,926 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8038% | 2,034 |
| Loan loss allowance to noncurrent loans | 237.1728% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 6,502 |
| Noncurrent loans to loans | 0.7606% | 5,718 |
| Net loans and leases to total assets | 32.9261% | 7,810 |
| Net loans and leases to deposits | 40.1321% | 7,809 |
| Net loans and leases to core deposits | 47.2142% | 7,815 |
| Total domestic deposits to total assets | 82.0442% | 4,680 |
| Equity capital to assets | 16.1065% | 804 |
| Core capital (leverage) ratio | 15.1178% | 893 |
| Tier 1 risk-based capital ratio | 32.6752% | 478 |
| Total risk-based capital ratio | 33.9270% | 464 |
| Memoranda: | ||
| Average total assets | $75,487,330 | 5,932 |
| Average earning assets | $69,194,000 | 5,915 |
| Average equity | $12,183,330 | 4,765 |
| Average total loans | $25,292,000 | 7,007 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0048% | 6,917 |
| Cost of funding earning assets | 1.2397% | 7,204 |
| Net interest margin | 3.7652% | 3,600 |
| Noninterest income to average assets | 0.4275% | 4,981 |
| Noninterest expense to average assets | 2.3699% | 6,294 |
| Loan and lease loss provision to assets | 0.0950% | 5,746 |
| Net operating income to assets | 1.4357% | 1,069 |
| Return on assets (ROA) | 1.4357% | 1,152 |
| Pretax return on assets | 1.4093% | 1,940 |
| Return on Equity (ROE) | 8.8863% | 2,768 |
| Retained earnings to average equity (ytd only) | 6.2727% | 2,509 |
| Net charge-offs to loans | 0.5673% | 2,046 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 7.9167% | 2,274 |
| Efficiency ratio | 61.1717% | 6,224 |
| Assets per employee ($millions) | 4.5016% | 2,716 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6698% | 2,243 |
| Loan loss allowance to noncurrent loans | 207.3892% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 6,335 |
| Noncurrent loans to loans | 0.8051% | 5,423 |
| Net loans and leases to total assets | 32.3960% | 7,858 |
| Net loans and leases to deposits | 39.2695% | 7,862 |
| Net loans and leases to core deposits | 45.7924% | 7,873 |
| Total domestic deposits to total assets | 82.4966% | 4,374 |
| Equity capital to assets | 16.0164% | 867 |
| Core capital (leverage) ratio | 15.4192% | 883 |
| Tier 1 risk-based capital ratio | 32.4138% | 511 |
| Total risk-based capital ratio | 33.6001% | 503 |
| Memoranda: | ||
| Average total assets | $75,783,500 | 5,953 |
| Average earning assets | $69,373,000 | 5,930 |
| Average equity | $12,243,500 | 4,773 |
| Average total loans | $25,381,500 | 7,038 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4451% | 7,404 |
| Cost of funding earning assets | 1.7841% | 7,046 |
| Net interest margin | 3.6610% | 4,638 |
| Noninterest income to average assets | 0.5580% | 4,177 |
| Noninterest expense to average assets | 2.2333% | 6,884 |
| Loan and lease loss provision to assets | 0.0632% | 6,611 |
| Net operating income to assets | 1.5766% | 871 |
| Return on assets (ROA) | 1.5766% | 839 |
| Pretax return on assets | 1.5885% | 1,417 |
| Return on Equity (ROE) | 10.3887% | 2,130 |
| Retained earnings to average equity (ytd only) | 2.9831% | 3,316 |
| Net charge-offs to loans | 0.0332% | 6,359 |
| Credit loss provision to net charge-offs | 600.0000% | 715 |
| Earnings coverage of net charge-offs (x) | 156.8750% | 292 |
| Efficiency ratio | 57.4864% | 6,777 |
| Assets per employee ($millions) | 4.1688% | 3,169 |
| Cash dividends to net income (ytd only)* | 71.2855% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7182% | 1,853 |
| Loan loss allowance to noncurrent loans | 365.8333% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 6,438 |
| Noncurrent loans to loans | 0.4697% | 5,937 |
| Net loans and leases to total assets | 33.4639% | 7,905 |
| Net loans and leases to deposits | 40.9041% | 7,926 |
| Net loans and leases to core deposits | 47.7450% | 7,930 |
| Total domestic deposits to total assets | 81.8108% | 4,272 |
| Equity capital to assets | 16.2982% | 885 |
| Core capital (leverage) ratio | 15.0296% | 1,024 |
| Tier 1 risk-based capital ratio | 31.9682% | 552 |
| Total risk-based capital ratio | 33.2118% | 539 |
| Memoranda: | ||
| Average total assets | $75,985,400 | 5,836 |
| Average earning assets | $69,053,000 | 5,855 |
| Average equity | $11,531,800 | 4,960 |
| Average total loans | $24,110,800 | 7,071 |