Home > SOLUTIONS NORTH BANK > Performance and Condition Ratios
SOLUTIONS NORTH BANK, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9858% | 2,094 |
| Cost of funding earning assets | 1.2760% | 2,582 |
| Net interest margin | 3.7098% | 1,745 |
| Noninterest income to average assets | 0.0900% | 4,319 |
| Noninterest expense to average assets | 2.4263% | 2,510 |
| Loan and lease loss provision to assets | 0.0800% | 1,564 |
| Net operating income to assets | 0.8269% | 2,782 |
| Return on assets (ROA) | 0.8499% | 2,681 |
| Pretax return on assets | 1.0942% | 2,422 |
| Return on Equity (ROE) | 7.8500% | 3,067 |
| Retained earnings to average equity (ytd only) | 5.7791% | 2,328 |
| Net charge-offs to loans | 0.0154% | 2,084 |
| Credit loss provision to net charge-offs | 822.5806% | 477 |
| Earnings coverage of net charge-offs (x) | 115.3871% | 836 |
| Efficiency ratio | 67.9049% | 2,122 |
| Assets per employee ($millions) | 6.6080% | 2,336 |
| Cash dividends to net income (ytd only)* | 26.4051% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2241% | 272 |
| Loan loss allowance to noncurrent loans | 77,316.6667% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 3,837 |
| Noncurrent loans to loans | 0.0029% | 3,775 |
| Net loans and leases to total assets | 65.6600% | 2,291 |
| Net loans and leases to deposits | 78.9413% | 2,192 |
| Net loans and leases to core deposits | 88.4185% | 2,155 |
| Total domestic deposits to total assets | 83.1800% | 2,844 |
| Equity capital to assets | 11.3984% | 1,330 |
| Core capital (leverage) ratio | 13.0300% | 1,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1937% | 1,049 |
| Memoranda: | ||
| Average total assets | $311,916,600 | 2,359 |
| Average earning assets | $292,714,200 | 2,346 |
| Average equity | $33,759,800 | 2,106 |
| Average total loans | $200,760,600 | 2,282 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8418% | 2,181 |
| Cost of funding earning assets | 1.1598% | 2,566 |
| Net interest margin | 3.6820% | 1,815 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 2.4736% | 2,310 |
| Loan and lease loss provision to assets | 0.0800% | 1,428 |
| Net operating income to assets | 0.7729% | 3,102 |
| Return on assets (ROA) | 0.8036% | 3,011 |
| Pretax return on assets | 1.0175% | 2,804 |
| Return on Equity (ROE) | 7.5200% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.5242% | 2,139 |
| Net charge-offs to loans | 0.0168% | 1,800 |
| Credit loss provision to net charge-offs | 764.0000% | 483 |
| Earnings coverage of net charge-offs (x) | 99.3200% | 919 |
| Efficiency ratio | 69.9976% | 1,780 |
| Assets per employee ($millions) | 6.5232% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2381% | 279 |
| Loan loss allowance to noncurrent loans | 13,088.5714% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 3,742 |
| Noncurrent loans to loans | 0.0171% | 3,661 |
| Net loans and leases to total assets | 65.2700% | 2,313 |
| Net loans and leases to deposits | 78.0458% | 2,242 |
| Net loans and leases to core deposits | 86.8982% | 2,130 |
| Total domestic deposits to total assets | 83.6300% | 2,873 |
| Equity capital to assets | 10.7811% | 1,443 |
| Core capital (leverage) ratio | 13.0714% | 1,052 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6027% | 1,003 |
| Memoranda: | ||
| Average total assets | $312,251,250 | 2,364 |
| Average earning assets | $294,073,250 | 2,340 |
| Average equity | $33,349,500 | 2,110 |
| Average total loans | $198,806,000 | 2,296 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6702% | 2,268 |
| Cost of funding earning assets | 1.0552% | 2,434 |
| Net interest margin | 3.6150% | 2,006 |
| Noninterest income to average assets | -0.0100% | 4,641 |
| Noninterest expense to average assets | 2.0857% | 3,388 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 0.9838% | 2,473 |
| Return on assets (ROA) | 1.0301% | 2,316 |
| Pretax return on assets | 1.2924% | 2,103 |
| Return on Equity (ROE) | 9.6700% | 2,799 |
| Retained earnings to average equity (ytd only) | 9.6747% | 1,493 |
| Net charge-offs to loans | 0.0173% | 1,567 |
| Credit loss provision to net charge-offs | 717.6471% | 510 |
| Earnings coverage of net charge-offs (x) | 121.2353% | 842 |
| Efficiency ratio | 61.3828% | 2,794 |
| Assets per employee ($millions) | 6.3822% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3043% | 265 |
| Loan loss allowance to noncurrent loans | 4,520.0000% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.1292% | 2,648 |
| Noncurrent loans to loans | 0.0510% | 3,344 |
| Net loans and leases to total assets | 61.2800% | 2,642 |
| Net loans and leases to deposits | 73.4915% | 2,546 |
| Net loans and leases to core deposits | 83.1845% | 2,260 |
| Total domestic deposits to total assets | 83.3800% | 2,962 |
| Equity capital to assets | 10.9735% | 1,398 |
| Core capital (leverage) ratio | 12.8613% | 1,064 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0741% | 946 |
| Memoranda: | ||
| Average total assets | $314,137,667 | 2,360 |
| Average earning assets | $296,429,667 | 2,335 |
| Average equity | $33,448,000 | 2,122 |
| Average total loans | $196,846,333 | 2,310 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 2,211 |
| Cost of funding earning assets | 0.9289% | 2,279 |
| Net interest margin | 3.6149% | 2,093 |
| Noninterest income to average assets | -0.1600% | 4,666 |
| Noninterest expense to average assets | 2.1115% | 3,356 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 0.9300% | 2,755 |
| Return on assets (ROA) | 0.9300% | 2,712 |
| Pretax return on assets | 1.0723% | 2,791 |
| Return on Equity (ROE) | 8.8700% | 3,086 |
| Retained earnings to average equity (ytd only) | 8.8691% | 1,986 |
| Net charge-offs to loans | 0.0020% | 1,961 |
| Credit loss provision to net charge-offs | 6,100.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 905.0000% | 118 |
| Efficiency ratio | 64.7448% | 2,363 |
| Assets per employee ($millions) | 6.5274% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3092% | 280 |
| Loan loss allowance to noncurrent loans | 974.9455% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 2,505 |
| Noncurrent loans to loans | 0.2369% | 2,316 |
| Net loans and leases to total assets | 59.1900% | 2,751 |
| Net loans and leases to deposits | 70.2178% | 2,591 |
| Net loans and leases to core deposits | 77.5178% | 2,424 |
| Total domestic deposits to total assets | 84.3000% | 3,027 |
| Equity capital to assets | 10.5720% | 1,534 |
| Core capital (leverage) ratio | 12.4012% | 1,163 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3971% | 1,092 |
| Memoranda: | ||
| Average total assets | $314,843,000 | 2,386 |
| Average earning assets | $297,988,500 | 2,357 |
| Average equity | $33,013,500 | 2,164 |
| Average total loans | $197,190,500 | 2,326 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7784% | 2,338 |
| Cost of funding earning assets | 0.4593% | 1,653 |
| Net interest margin | 3.3191% | 2,518 |
| Noninterest income to average assets | 0.1600% | 4,171 |
| Noninterest expense to average assets | 2.0803% | 3,351 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 0.9141% | 2,901 |
| Return on assets (ROA) | 1.1805% | 1,788 |
| Pretax return on assets | 1.4945% | 1,474 |
| Return on Equity (ROE) | 11.1900% | 2,409 |
| Retained earnings to average equity (ytd only) | 8.9651% | 1,489 |
| Net charge-offs to loans | -0.0245% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 62.7995% | 2,656 |
| Assets per employee ($millions) | 6.5924% | 2,260 |
| Cash dividends to net income (ytd only)* | 19.8518% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2010% | 305 |
| Loan loss allowance to noncurrent loans | 31,535.7143% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 3,880 |
| Noncurrent loans to loans | 0.0070% | 3,811 |
| Net loans and leases to total assets | 63.3100% | 2,304 |
| Net loans and leases to deposits | 75.0969% | 2,171 |
| Net loans and leases to core deposits | 79.8829% | 2,143 |
| Total domestic deposits to total assets | 84.3100% | 3,145 |
| Equity capital to assets | 10.3966% | 1,501 |
| Core capital (leverage) ratio | 12.3858% | 1,127 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4360% | 1,062 |
| Memoranda: | ||
| Average total assets | $320,042,800 | 2,351 |
| Average earning assets | $303,937,200 | 2,318 |
| Average equity | $33,775,400 | 2,167 |
| Average total loans | $196,155,800 | 2,263 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6225% | 2,277 |
| Cost of funding earning assets | 0.4152% | 1,189 |
| Net interest margin | 3.2073% | 2,601 |
| Noninterest income to average assets | 0.1600% | 4,207 |
| Noninterest expense to average assets | 1.9020% | 3,747 |
| Loan and lease loss provision to assets | 0.0700% | 1,430 |
| Net operating income to assets | 0.9832% | 2,535 |
| Return on assets (ROA) | 1.3358% | 1,228 |
| Pretax return on assets | 1.6805% | 939 |
| Return on Equity (ROE) | 12.6100% | 1,834 |
| Retained earnings to average equity (ytd only) | 12.2224% | 744 |
| Net charge-offs to loans | -0.0328% | 4,159 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 59.2430% | 3,218 |
| Assets per employee ($millions) | 6.5140% | 2,308 |
| Cash dividends to net income (ytd only)* | 3.0941% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2586% | 315 |
| Loan loss allowance to noncurrent loans | 16,750.0000% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,916 |
| Noncurrent loans to loans | 0.0135% | 3,838 |
| Net loans and leases to total assets | 60.2700% | 2,472 |
| Net loans and leases to deposits | 71.3364% | 2,259 |
| Net loans and leases to core deposits | 76.0036% | 2,191 |
| Total domestic deposits to total assets | 84.4900% | 3,388 |
| Equity capital to assets | 10.0642% | 1,584 |
| Core capital (leverage) ratio | 11.9745% | 1,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6997% | 1,045 |
| Memoranda: | ||
| Average total assets | $322,593,000 | 2,356 |
| Average earning assets | $307,000,750 | 2,314 |
| Average equity | $34,166,000 | 2,182 |
| Average total loans | $195,047,500 | 2,265 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4394% | 2,328 |
| Cost of funding earning assets | 0.3954% | 943 |
| Net interest margin | 3.0440% | 2,742 |
| Noninterest income to average assets | 0.1602% | 4,216 |
| Noninterest expense to average assets | 1.8171% | 3,909 |
| Loan and lease loss provision to assets | 0.0736% | 1,310 |
| Net operating income to assets | 0.9520% | 2,354 |
| Return on assets (ROA) | 1.4888% | 714 |
| Pretax return on assets | 1.8331% | 551 |
| Return on Equity (ROE) | 13.8370% | 1,151 |
| Retained earnings to average equity (ytd only) | 13.8370% | 376 |
| Net charge-offs to loans | -0.0490% | 4,229 |
| Credit loss provision to net charge-offs | -250.0000% | 3,253 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3625% | 3,388 |
| Assets per employee ($millions) | 6.6865% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1633% | 403 |
| Loan loss allowance to noncurrent loans | 16,519.2308% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,953 |
| Noncurrent loans to loans | 0.0131% | 3,875 |
| Net loans and leases to total assets | 59.2870% | 2,407 |
| Net loans and leases to deposits | 70.0460% | 2,196 |
| Net loans and leases to core deposits | 74.3844% | 2,139 |
| Total domestic deposits to total assets | 84.6400% | 3,557 |
| Equity capital to assets | 10.1087% | 1,651 |
| Core capital (leverage) ratio | 11.6261% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2993% | 1,120 |
| Memoranda: | ||
| Average total assets | $325,899,333 | 2,352 |
| Average earning assets | $310,580,000 | 2,323 |
| Average equity | $35,065,333 | 2,194 |
| Average total loans | $195,791,667 | 2,264 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3838% | 2,133 |
| Cost of funding earning assets | 0.3912% | 919 |
| Net interest margin | 2.9926% | 2,526 |
| Noninterest income to average assets | 0.1661% | 4,172 |
| Noninterest expense to average assets | 1.8460% | 3,823 |
| Loan and lease loss provision to assets | 0.0738% | 1,125 |
| Net operating income to assets | 0.9230% | 2,188 |
| Return on assets (ROA) | 2.0527% | 202 |
| Pretax return on assets | 2.4281% | 199 |
| Return on Equity (ROE) | 18.5138% | 301 |
| Retained earnings to average equity (ytd only) | 18.5138% | 129 |
| Net charge-offs to loans | -0.0988% | 4,453 |
| Credit loss provision to net charge-offs | -125.0000% | 2,910 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1496% | 3,362 |
| Assets per employee ($millions) | 7.0232% | 1,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2268% | 421 |
| Loan loss allowance to noncurrent loans | 4,653.8462% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0276% | 3,769 |
| Noncurrent loans to loans | 0.0478% | 3,636 |
| Net loans and leases to total assets | 56.3316% | 2,499 |
| Net loans and leases to deposits | 67.3354% | 2,213 |
| Net loans and leases to core deposits | 71.1037% | 2,196 |
| Total domestic deposits to total assets | 83.6582% | 3,838 |
| Equity capital to assets | 10.5007% | 1,591 |
| Core capital (leverage) ratio | 11.3158% | 1,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4490% | 1,156 |
| Memoranda: | ||
| Average total assets | $325,030,500 | 2,368 |
| Average earning assets | $309,828,500 | 2,335 |
| Average equity | $36,038,000 | 2,214 |
| Average total loans | $194,417,000 | 2,269 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 1,217 |
| Cost of funding earning assets | 0.5308% | 788 |
| Net interest margin | 3.5354% | 1,636 |
| Noninterest income to average assets | 0.1681% | 4,316 |
| Noninterest expense to average assets | 1.9374% | 3,845 |
| Loan and lease loss provision to assets | 0.0363% | 2,317 |
| Net operating income to assets | 1.1382% | 2,148 |
| Return on assets (ROA) | 1.3639% | 1,447 |
| Pretax return on assets | 1.8621% | 795 |
| Return on Equity (ROE) | 11.2423% | 2,078 |
| Retained earnings to average equity (ytd only) | 9.6087% | 1,015 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5734% | 3,864 |
| Assets per employee ($millions) | 6.8079% | 2,063 |
| Cash dividends to net income (ytd only)* | 14.5314% | 3,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0775% | 542 |
| Loan loss allowance to noncurrent loans | 4,855.2941% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 3,862 |
| Noncurrent loans to loans | 0.0428% | 3,769 |
| Net loans and leases to total assets | 60.7953% | 2,082 |
| Net loans and leases to deposits | 74.0749% | 1,719 |
| Net loans and leases to core deposits | 78.0267% | 1,759 |
| Total domestic deposits to total assets | 82.0726% | 3,955 |
| Equity capital to assets | 11.6930% | 1,398 |
| Core capital (leverage) ratio | 11.3456% | 1,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5144% | 1,384 |
| Memoranda: | ||
| Average total assets | $302,725,400 | 2,428 |
| Average earning assets | $289,583,400 | 2,379 |
| Average equity | $36,727,200 | 2,215 |
| Average total loans | $186,038,800 | 2,335 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 1,091 |
| Cost of funding earning assets | 0.5445% | 856 |
| Net interest margin | 3.6675% | 1,410 |
| Noninterest income to average assets | 0.1671% | 4,364 |
| Noninterest expense to average assets | 1.8966% | 3,951 |
| Loan and lease loss provision to assets | 0.0359% | 2,283 |
| Net operating income to assets | 1.2518% | 1,982 |
| Return on assets (ROA) | 1.5571% | 1,176 |
| Pretax return on assets | 2.1330% | 637 |
| Return on Equity (ROE) | 12.7109% | 1,791 |
| Retained earnings to average equity (ytd only) | 12.7109% | 682 |
| Net charge-offs to loans | 0.0197% | 1,659 |
| Credit loss provision to net charge-offs | 296.2963% | 1,015 |
| Earnings coverage of net charge-offs (x) | 147.7407% | 685 |
| Efficiency ratio | 51.5545% | 4,063 |
| Assets per employee ($millions) | 6.5012% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1295% | 512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 61.2171% | 2,112 |
| Net loans and leases to deposits | 75.6078% | 1,707 |
| Net loans and leases to core deposits | 79.7725% | 1,756 |
| Total domestic deposits to total assets | 80.9666% | 4,097 |
| Equity capital to assets | 12.3712% | 1,232 |
| Core capital (leverage) ratio | 11.5212% | 1,363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.3171% | 1,284 |
| Memoranda: | ||
| Average total assets | $298,414,500 | 2,467 |
| Average earning assets | $285,743,750 | 2,424 |
| Average equity | $36,555,500 | 2,254 |
| Average total loans | $182,885,250 | 2,402 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 777 |
| Cost of funding earning assets | 0.5514% | 933 |
| Net interest margin | 3.9072% | 959 |
| Noninterest income to average assets | 0.1750% | 4,328 |
| Noninterest expense to average assets | 1.8944% | 3,979 |
| Loan and lease loss provision to assets | 0.0338% | 2,309 |
| Net operating income to assets | 1.4183% | 1,521 |
| Return on assets (ROA) | 1.6248% | 1,051 |
| Pretax return on assets | 2.2470% | 528 |
| Return on Equity (ROE) | 13.3092% | 1,622 |
| Retained earnings to average equity (ytd only) | 13.3092% | 666 |
| Net charge-offs to loans | 0.0322% | 1,329 |
| Credit loss provision to net charge-offs | 172.4138% | 1,110 |
| Earnings coverage of net charge-offs (x) | 103.0690% | 736 |
| Efficiency ratio | 48.4032% | 4,358 |
| Assets per employee ($millions) | 6.0869% | 2,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1100% | 497 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 61.5548% | 2,226 |
| Net loans and leases to deposits | 74.4280% | 1,964 |
| Net loans and leases to core deposits | 78.1266% | 2,032 |
| Total domestic deposits to total assets | 82.7038% | 3,769 |
| Equity capital to assets | 12.1362% | 1,300 |
| Core capital (leverage) ratio | 11.3510% | 1,388 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1533% | 1,296 |
| Memoranda: | ||
| Average total assets | $296,033,667 | 2,471 |
| Average earning assets | $283,269,333 | 2,432 |
| Average equity | $36,140,333 | 2,262 |
| Average total loans | $180,139,333 | 2,433 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8555% | 444 |
| Cost of funding earning assets | 0.5805% | 959 |
| Net interest margin | 4.2750% | 540 |
| Noninterest income to average assets | 0.1836% | 4,275 |
| Noninterest expense to average assets | 1.9775% | 3,788 |
| Loan and lease loss provision to assets | 0.0315% | 2,359 |
| Net operating income to assets | 1.6326% | 1,057 |
| Return on assets (ROA) | 2.0515% | 570 |
| Pretax return on assets | 2.7820% | 309 |
| Return on Equity (ROE) | 16.7532% | 887 |
| Retained earnings to average equity (ytd only) | 16.7532% | 446 |
| Net charge-offs to loans | 0.0642% | 891 |
| Credit loss provision to net charge-offs | 82.1429% | 1,196 |
| Earnings coverage of net charge-offs (x) | 59.5000% | 824 |
| Efficiency ratio | 46.4136% | 4,441 |
| Assets per employee ($millions) | 6.1154% | 2,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2890% | 373 |
| Loan loss allowance to noncurrent loans | 4,012.0000% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0334% | 4,124 |
| Noncurrent loans to loans | 0.0571% | 4,000 |
| Net loans and leases to total assets | 57.1517% | 2,889 |
| Net loans and leases to deposits | 68.4597% | 2,654 |
| Net loans and leases to core deposits | 71.9568% | 2,706 |
| Total domestic deposits to total assets | 83.4823% | 3,571 |
| Equity capital to assets | 11.9190% | 1,326 |
| Core capital (leverage) ratio | 11.2742% | 1,538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2667% | 1,226 |
| Memoranda: | ||
| Average total assets | $291,878,000 | 2,474 |
| Average earning assets | $278,364,000 | 2,441 |
| Average equity | $35,742,500 | 2,272 |
| Average total loans | $174,520,500 | 2,479 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 1,288 |
| Cost of funding earning assets | 0.8276% | 1,098 |
| Net interest margin | 3.6818% | 1,865 |
| Noninterest income to average assets | 0.1833% | 4,371 |
| Noninterest expense to average assets | 2.2632% | 3,506 |
| Loan and lease loss provision to assets | 0.1795% | 2,148 |
| Net operating income to assets | 0.9796% | 2,356 |
| Return on assets (ROA) | 1.5103% | 855 |
| Pretax return on assets | 1.9084% | 544 |
| Return on Equity (ROE) | 11.9335% | 1,339 |
| Retained earnings to average equity (ytd only) | 10.1381% | 559 |
| Net charge-offs to loans | -0.0046% | 4,111 |
| Credit loss provision to net charge-offs | -5,925.0000% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7442% | 3,623 |
| Assets per employee ($millions) | 5.4635% | 2,880 |
| Cash dividends to net income (ytd only)* | 15.0451% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3117% | 346 |
| Loan loss allowance to noncurrent loans | 1,834.2466% | 417 |
| Noncurrent assets plus other real estate owned to assets | 0.0771% | 3,949 |
| Noncurrent loans to loans | 0.1260% | 3,780 |
| Net loans and leases to total assets | 59.7513% | 2,895 |
| Net loans and leases to deposits | 71.8995% | 2,692 |
| Net loans and leases to core deposits | 76.4048% | 2,693 |
| Total domestic deposits to total assets | 83.1039% | 3,379 |
| Equity capital to assets | 12.5902% | 1,275 |
| Core capital (leverage) ratio | 11.3087% | 1,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7035% | 1,339 |
| Memoranda: | ||
| Average total assets | $264,047,600 | 2,494 |
| Average earning assets | $250,717,000 | 2,466 |
| Average equity | $33,418,400 | 2,320 |
| Average total loans | $172,447,400 | 2,469 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7021% | 1,060 |
| Cost of funding earning assets | 0.8739% | 1,159 |
| Net interest margin | 3.8282% | 1,547 |
| Noninterest income to average assets | 0.1977% | 4,293 |
| Noninterest expense to average assets | 2.2972% | 3,429 |
| Loan and lease loss provision to assets | 0.2363% | 1,723 |
| Net operating income to assets | 0.9942% | 2,362 |
| Return on assets (ROA) | 1.7156% | 620 |
| Pretax return on assets | 2.2030% | 340 |
| Return on Equity (ROE) | 13.5358% | 967 |
| Retained earnings to average equity (ytd only) | 13.2312% | 311 |
| Net charge-offs to loans | -0.0147% | 4,325 |
| Credit loss provision to net charge-offs | -2,415.7895% | 4,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4620% | 3,867 |
| Assets per employee ($millions) | 5.1845% | 3,032 |
| Cash dividends to net income (ytd only)* | 2.2502% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1999% | 355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1072% | 3,900 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 66.1743% | 2,499 |
| Net loans and leases to deposits | 80.0688% | 2,307 |
| Net loans and leases to core deposits | 86.0656% | 2,295 |
| Total domestic deposits to total assets | 82.6469% | 3,237 |
| Equity capital to assets | 13.1883% | 1,111 |
| Core capital (leverage) ratio | 11.8358% | 1,406 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0193% | 1,492 |
| Memoranda: | ||
| Average total assets | $259,034,250 | 2,507 |
| Average earning assets | $245,329,000 | 2,480 |
| Average equity | $32,830,750 | 2,333 |
| Average total loans | $172,116,500 | 2,464 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 1,182 |
| Cost of funding earning assets | 0.9194% | 1,281 |
| Net interest margin | 3.8749% | 1,639 |
| Noninterest income to average assets | 0.1980% | 4,285 |
| Noninterest expense to average assets | 2.4303% | 3,172 |
| Loan and lease loss provision to assets | 0.3474% | 1,218 |
| Net operating income to assets | 0.8040% | 3,033 |
| Return on assets (ROA) | 1.8035% | 546 |
| Pretax return on assets | 2.3724% | 265 |
| Return on Equity (ROE) | 14.4411% | 800 |
| Retained earnings to average equity (ytd only) | 13.9713% | 278 |
| Net charge-offs to loans | -0.0178% | 4,372 |
| Credit loss provision to net charge-offs | -2,960.0000% | 3,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8177% | 3,844 |
| Assets per employee ($millions) | 5.2476% | 2,889 |
| Cash dividends to net income (ytd only)* | 3.2538% | 3,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2498% | 309 |
| Loan loss allowance to noncurrent loans | 133,133.3333% | 6 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 3,983 |
| Noncurrent loans to loans | 0.0017% | 4,525 |
| Net loans and leases to total assets | 64.8409% | 2,777 |
| Net loans and leases to deposits | 77.4148% | 2,718 |
| Net loans and leases to core deposits | 83.0023% | 2,689 |
| Total domestic deposits to total assets | 83.7577% | 2,827 |
| Equity capital to assets | 12.7875% | 1,239 |
| Core capital (leverage) ratio | 11.7340% | 1,531 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1386% | 1,220 |
| Memoranda: | ||
| Average total assets | $255,609,333 | 2,507 |
| Average earning assets | $243,206,667 | 2,468 |
| Average equity | $31,922,667 | 2,362 |
| Average total loans | $168,683,667 | 2,480 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5972% | 2,003 |
| Cost of funding earning assets | 1.0091% | 1,381 |
| Net interest margin | 3.5881% | 2,705 |
| Noninterest income to average assets | 0.2228% | 4,220 |
| Noninterest expense to average assets | 2.6939% | 2,722 |
| Loan and lease loss provision to assets | 0.6875% | 389 |
| Net operating income to assets | 0.1061% | 4,650 |
| Return on assets (ROA) | 1.6266% | 649 |
| Pretax return on assets | 2.1795% | 305 |
| Return on Equity (ROE) | 13.1936% | 846 |
| Retained earnings to average equity (ytd only) | 12.2187% | 397 |
| Net charge-offs to loans | -0.0073% | 3,968 |
| Credit loss provision to net charge-offs | -14,300.0000% | 4,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2301% | 3,473 |
| Assets per employee ($millions) | 4.9135% | 2,736 |
| Cash dividends to net income (ytd only)* | 7.3892% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4097% | 285 |
| Loan loss allowance to noncurrent loans | 4,722.6190% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.2155% | 3,613 |
| Noncurrent loans to loans | 0.0510% | 4,345 |
| Net loans and leases to total assets | 64.1136% | 3,052 |
| Net loans and leases to deposits | 76.5377% | 3,026 |
| Net loans and leases to core deposits | 83.4061% | 2,897 |
| Total domestic deposits to total assets | 83.7674% | 2,862 |
| Equity capital to assets | 12.7935% | 1,550 |
| Core capital (leverage) ratio | 11.7780% | 1,882 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2227% | 1,294 |
| Memoranda: | ||
| Average total assets | $249,599,500 | 2,497 |
| Average earning assets | $237,451,000 | 2,458 |
| Average equity | $30,772,500 | 2,415 |
| Average total loans | $164,262,000 | 2,495 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 2,100 |
| Cost of funding earning assets | 1.1108% | 1,286 |
| Net interest margin | 3.6705% | 2,905 |
| Noninterest income to average assets | 0.1219% | 4,854 |
| Noninterest expense to average assets | 2.4127% | 3,655 |
| Loan and lease loss provision to assets | 0.1215% | 1,742 |
| Net operating income to assets | 0.8699% | 3,317 |
| Return on assets (ROA) | 0.8723% | 3,400 |
| Pretax return on assets | 1.0642% | 3,289 |
| Return on Equity (ROE) | 7.7231% | 3,283 |
| Retained earnings to average equity (ytd only) | 5.7870% | 1,982 |
| Net charge-offs to loans | 0.0337% | 2,711 |
| Credit loss provision to net charge-offs | 517.2414% | 562 |
| Earnings coverage of net charge-offs (x) | 50.3621% | 1,124 |
| Efficiency ratio | 65.0073% | 2,933 |
| Assets per employee ($millions) | 4.6908% | 2,959 |
| Cash dividends to net income (ytd only)* | 25.0696% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1569% | 358 |
| Loan loss allowance to noncurrent loans | 477.0580% | 1,023 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 2,232 |
| Noncurrent loans to loans | 0.4521% | 2,819 |
| Net loans and leases to total assets | 64.5028% | 3,132 |
| Net loans and leases to deposits | 76.3093% | 3,149 |
| Net loans and leases to core deposits | 82.8003% | 3,058 |
| Total domestic deposits to total assets | 84.5280% | 2,670 |
| Equity capital to assets | 11.8603% | 2,231 |
| Core capital (leverage) ratio | 11.4751% | 2,126 |
| Tier 1 risk-based capital ratio | 15.3474% | 2,635 |
| Total risk-based capital ratio | 16.6052% | 2,565 |
| Memoranda: | ||
| Average total assets | $246,944,800 | 2,483 |
| Average earning assets | $233,702,200 | 2,446 |
| Average equity | $27,890,200 | 2,503 |
| Average total loans | $171,906,600 | 2,397 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7874% | 2,161 |
| Cost of funding earning assets | 1.1144% | 1,291 |
| Net interest margin | 3.6730% | 3,017 |
| Noninterest income to average assets | 0.2634% | 4,163 |
| Noninterest expense to average assets | 2.3964% | 3,693 |
| Loan and lease loss provision to assets | 0.1217% | 1,606 |
| Net operating income to assets | 1.0109% | 2,943 |
| Return on assets (ROA) | 1.0141% | 3,010 |
| Pretax return on assets | 1.2196% | 2,921 |
| Return on Equity (ROE) | 9.0936% | 2,849 |
| Retained earnings to average equity (ytd only) | 7.0809% | 1,827 |
| Net charge-offs to loans | 0.0353% | 2,375 |
| Credit loss provision to net charge-offs | 489.1304% | 644 |
| Earnings coverage of net charge-offs (x) | 53.7624% | 1,139 |
| Efficiency ratio | 62.1669% | 3,303 |
| Assets per employee ($millions) | 4.6557% | 2,960 |
| Cash dividends to net income (ytd only)* | 22.1333% | 2,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0252% | 441 |
| Loan loss allowance to noncurrent loans | 4,234.1463% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 2,805 |
| Noncurrent loans to loans | 0.0478% | 4,431 |
| Net loans and leases to total assets | 68.0715% | 2,780 |
| Net loans and leases to deposits | 81.3533% | 2,761 |
| Net loans and leases to core deposits | 88.6557% | 2,669 |
| Total domestic deposits to total assets | 83.6738% | 2,942 |
| Equity capital to assets | 11.9700% | 2,284 |
| Core capital (leverage) ratio | 11.4049% | 2,294 |
| Tier 1 risk-based capital ratio | 14.8698% | 2,911 |
| Total risk-based capital ratio | 16.1267% | 2,836 |
| Memoranda: | ||
| Average total assets | $246,528,250 | 2,502 |
| Average earning assets | $232,938,250 | 2,472 |
| Average equity | $27,491,250 | 2,540 |
| Average total loans | $173,909,250 | 2,408 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7000% | 2,360 |
| Cost of funding earning assets | 1.0834% | 1,367 |
| Net interest margin | 3.6166% | 3,200 |
| Noninterest income to average assets | 0.2572% | 4,212 |
| Noninterest expense to average assets | 2.4175% | 3,695 |
| Loan and lease loss provision to assets | 0.1217% | 1,538 |
| Net operating income to assets | 1.0045% | 2,906 |
| Return on assets (ROA) | 1.0095% | 2,959 |
| Pretax return on assets | 1.1426% | 3,106 |
| Return on Equity (ROE) | 9.2802% | 2,739 |
| Retained earnings to average equity (ytd only) | 6.3708% | 2,112 |
| Net charge-offs to loans | 0.1728% | 942 |
| Credit loss provision to net charge-offs | 99.3377% | 2,015 |
| Earnings coverage of net charge-offs (x) | 10.2715% | 2,278 |
| Efficiency ratio | 63.7086% | 3,176 |
| Assets per employee ($millions) | 4.4859% | 3,164 |
| Cash dividends to net income (ytd only)* | 31.3505% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8803% | 585 |
| Loan loss allowance to noncurrent loans | 994.8640% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.8256% | 1,702 |
| Noncurrent loans to loans | 0.1890% | 3,876 |
| Net loans and leases to total assets | 69.6462% | 2,581 |
| Net loans and leases to deposits | 81.7144% | 2,759 |
| Net loans and leases to core deposits | 90.0621% | 2,595 |
| Total domestic deposits to total assets | 85.2313% | 2,372 |
| Equity capital to assets | 11.6109% | 2,514 |
| Core capital (leverage) ratio | 11.1347% | 2,477 |
| Tier 1 risk-based capital ratio | 14.2081% | 3,204 |
| Total risk-based capital ratio | 15.4634% | 3,115 |
| Memoranda: | ||
| Average total assets | $246,454,000 | 2,516 |
| Average earning assets | $232,980,330 | 2,478 |
| Average equity | $26,809,670 | 2,583 |
| Average total loans | $174,732,670 | 2,409 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6427% | 2,408 |
| Cost of funding earning assets | 1.0162% | 1,500 |
| Net interest margin | 3.6264% | 3,153 |
| Noninterest income to average assets | 0.2712% | 4,064 |
| Noninterest expense to average assets | 2.4960% | 3,524 |
| Loan and lease loss provision to assets | 0.1218% | 1,441 |
| Net operating income to assets | 1.1108% | 2,431 |
| Return on assets (ROA) | 1.1205% | 2,438 |
| Pretax return on assets | 1.0880% | 3,185 |
| Return on Equity (ROE) | 10.6601% | 2,096 |
| Retained earnings to average equity (ytd only) | 10.1966% | 986 |
| Net charge-offs to loans | 0.3094% | 486 |
| Credit loss provision to net charge-offs | 55.5556% | 1,940 |
| Earnings coverage of net charge-offs (x) | 5.4741% | 2,263 |
| Efficiency ratio | 65.4657% | 3,011 |
| Assets per employee ($millions) | 4.7221% | 2,886 |
| Cash dividends to net income (ytd only)* | 4.3478% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 593 |
| Loan loss allowance to noncurrent loans | 826.8542% | 724 |
| Noncurrent assets plus other real estate owned to assets | 1.0541% | 1,318 |
| Noncurrent loans to loans | 0.2293% | 3,756 |
| Net loans and leases to total assets | 66.8317% | 2,927 |
| Net loans and leases to deposits | 78.2460% | 3,035 |
| Net loans and leases to core deposits | 85.6278% | 2,897 |
| Total domestic deposits to total assets | 85.4123% | 2,522 |
| Equity capital to assets | 10.5805% | 3,272 |
| Core capital (leverage) ratio | 10.5286% | 3,022 |
| Tier 1 risk-based capital ratio | 13.4305% | 3,644 |
| Total risk-based capital ratio | 14.6856% | 3,547 |
| Memoranda: | ||
| Average total assets | $246,319,000 | 2,540 |
| Average earning assets | $232,624,500 | 2,505 |
| Average equity | $25,891,000 | 2,650 |
| Average total loans | $174,535,500 | 2,425 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4036% | 2,746 |
| Cost of funding earning assets | 0.6555% | 2,352 |
| Net interest margin | 3.7481% | 2,865 |
| Noninterest income to average assets | 0.4513% | 3,096 |
| Noninterest expense to average assets | 2.5457% | 3,485 |
| Loan and lease loss provision to assets | 0.3132% | 512 |
| Net operating income to assets | 1.1209% | 2,511 |
| Return on assets (ROA) | 1.1345% | 2,456 |
| Pretax return on assets | 1.1707% | 3,010 |
| Return on Equity (ROE) | 10.6963% | 2,208 |
| Retained earnings to average equity (ytd only) | 1.6866% | 4,471 |
| Net charge-offs to loans | 0.4004% | 464 |
| Credit loss provision to net charge-offs | 107.5912% | 2,381 |
| Earnings coverage of net charge-offs (x) | 5.0496% | 3,227 |
| Efficiency ratio | 61.4286% | 3,636 |
| Assets per employee ($millions) | 4.5729% | 3,055 |
| Cash dividends to net income (ytd only)* | 84.2322% | 576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8440% | 631 |
| Loan loss allowance to noncurrent loans | 537.1941% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 1.2345% | 1,044 |
| Noncurrent loans to loans | 0.3433% | 3,318 |
| Net loans and leases to total assets | 72.3220% | 2,204 |
| Net loans and leases to deposits | 86.2054% | 2,244 |
| Net loans and leases to core deposits | 93.8949% | 2,235 |
| Total domestic deposits to total assets | 83.8950% | 3,032 |
| Equity capital to assets | 10.4396% | 3,247 |
| Core capital (leverage) ratio | 10.4647% | 3,071 |
| Tier 1 risk-based capital ratio | 12.3437% | 4,212 |
| Total risk-based capital ratio | 13.5983% | 4,090 |
| Memoranda: | ||
| Average total assets | $235,338,000 | 2,573 |
| Average earning assets | $223,793,600 | 2,529 |
| Average equity | $24,962,000 | 2,644 |
| Average total loans | $171,083,400 | 2,432 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3167% | 2,906 |
| Cost of funding earning assets | 0.5688% | 2,716 |
| Net interest margin | 3.7479% | 2,834 |
| Noninterest income to average assets | 0.5177% | 2,755 |
| Noninterest expense to average assets | 2.5024% | 3,593 |
| Loan and lease loss provision to assets | 0.3779% | 345 |
| Net operating income to assets | 1.1698% | 2,363 |
| Return on assets (ROA) | 1.1879% | 2,285 |
| Pretax return on assets | 1.2329% | 2,876 |
| Return on Equity (ROE) | 11.1533% | 2,114 |
| Retained earnings to average equity (ytd only) | 1.7794% | 4,646 |
| Net charge-offs to loans | 0.0764% | 1,761 |
| Credit loss provision to net charge-offs | 682.4742% | 537 |
| Earnings coverage of net charge-offs (x) | 28.7526% | 1,652 |
| Efficiency ratio | 59.3615% | 3,911 |
| Assets per employee ($millions) | 4.5117% | 3,107 |
| Cash dividends to net income (ytd only)* | 84.0460% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1630% | 384 |
| Loan loss allowance to noncurrent loans | 116.0366% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.5732% | 803 |
| Noncurrent loans to loans | 1.8641% | 817 |
| Net loans and leases to total assets | 73.3775% | 2,099 |
| Net loans and leases to deposits | 89.5026% | 1,959 |
| Net loans and leases to core deposits | 95.1563% | 2,198 |
| Total domestic deposits to total assets | 81.9837% | 3,614 |
| Equity capital to assets | 10.5400% | 3,105 |
| Core capital (leverage) ratio | 10.7090% | 2,876 |
| Tier 1 risk-based capital ratio | 12.3517% | 4,282 |
| Total risk-based capital ratio | 13.6095% | 4,170 |
| Memoranda: | ||
| Average total assets | $233,581,000 | 2,596 |
| Average earning assets | $222,910,750 | 2,551 |
| Average equity | $24,877,000 | 2,668 |
| Average total loans | $169,210,000 | 2,460 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1901% | 3,147 |
| Cost of funding earning assets | 0.5056% | 2,971 |
| Net interest margin | 3.6845% | 2,992 |
| Noninterest income to average assets | 0.6431% | 2,124 |
| Noninterest expense to average assets | 2.4944% | 3,647 |
| Loan and lease loss provision to assets | 0.5033% | 225 |
| Net operating income to assets | 1.1287% | 2,481 |
| Return on assets (ROA) | 1.1379% | 2,448 |
| Pretax return on assets | 1.1731% | 3,037 |
| Return on Equity (ROE) | 10.6472% | 2,259 |
| Retained earnings to average equity (ytd only) | 1.5004% | 4,642 |
| Net charge-offs to loans | 0.1210% | 1,208 |
| Credit loss provision to net charge-offs | 581.1881% | 642 |
| Earnings coverage of net charge-offs (x) | 19.2475% | 1,858 |
| Efficiency ratio | 58.0260% | 4,229 |
| Assets per employee ($millions) | 4.0718% | 3,777 |
| Cash dividends to net income (ytd only)* | 85.9081% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 386 |
| Loan loss allowance to noncurrent loans | 81.6966% | 3,816 |
| Noncurrent assets plus other real estate owned to assets | 1.9656% | 554 |
| Noncurrent loans to loans | 2.6695% | 460 |
| Net loans and leases to total assets | 72.0259% | 2,270 |
| Net loans and leases to deposits | 87.3376% | 2,177 |
| Net loans and leases to core deposits | 92.4554% | 2,362 |
| Total domestic deposits to total assets | 82.4684% | 3,574 |
| Equity capital to assets | 10.7071% | 2,922 |
| Core capital (leverage) ratio | 10.6954% | 2,814 |
| Tier 1 risk-based capital ratio | 12.7471% | 4,041 |
| Total risk-based capital ratio | 14.0051% | 3,940 |
| Memoranda: | ||
| Average total assets | $233,238,000 | 2,609 |
| Average earning assets | $222,714,330 | 2,567 |
| Average equity | $24,926,670 | 2,671 |
| Average total loans | $166,961,000 | 2,489 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 3,241 |
| Cost of funding earning assets | 0.4703% | 3,036 |
| Net interest margin | 3.6280% | 3,076 |
| Noninterest income to average assets | 0.3114% | 4,076 |
| Noninterest expense to average assets | 2.5542% | 3,481 |
| Loan and lease loss provision to assets | 0.1334% | 1,413 |
| Net operating income to assets | 1.0319% | 2,727 |
| Return on assets (ROA) | 1.0692% | 2,576 |
| Pretax return on assets | 1.1206% | 3,093 |
| Return on Equity (ROE) | 10.0140% | 2,413 |
| Retained earnings to average equity (ytd only) | 2.1630% | 4,300 |
| Net charge-offs to loans | -0.0073% | 4,133 |
| Credit loss provision to net charge-offs | -2,600.0000% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8647% | 3,189 |
| Assets per employee ($millions) | 4.3184% | 3,453 |
| Cash dividends to net income (ytd only)* | 78.4000% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0289% | 512 |
| Loan loss allowance to noncurrent loans | 101.8082% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.3993% | 1,039 |
| Noncurrent loans to loans | 1.9929% | 802 |
| Net loans and leases to total assets | 68.7898% | 2,661 |
| Net loans and leases to deposits | 80.8171% | 2,718 |
| Net loans and leases to core deposits | 86.0179% | 2,802 |
| Total domestic deposits to total assets | 85.1179% | 2,894 |
| Equity capital to assets | 10.6624% | 2,906 |
| Core capital (leverage) ratio | 10.6168% | 2,832 |
| Tier 1 risk-based capital ratio | 13.2128% | 3,841 |
| Total risk-based capital ratio | 14.4688% | 3,730 |
| Memoranda: | ||
| Average total assets | $233,812,000 | 2,631 |
| Average earning assets | $222,819,500 | 2,588 |
| Average equity | $24,965,000 | 2,690 |
| Average total loans | $164,995,500 | 2,527 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2241% | 2,603 |
| Cost of funding earning assets | 0.3687% | 3,529 |
| Net interest margin | 3.8554% | 2,236 |
| Noninterest income to average assets | 0.3504% | 3,960 |
| Noninterest expense to average assets | 2.6460% | 3,294 |
| Loan and lease loss provision to assets | 0.1332% | 1,721 |
| Net operating income to assets | 1.1936% | 1,542 |
| Return on assets (ROA) | 1.2578% | 1,360 |
| Pretax return on assets | 1.2969% | 2,365 |
| Return on Equity (ROE) | 11.1816% | 1,411 |
| Retained earnings to average equity (ytd only) | 2.1395% | 4,036 |
| Net charge-offs to loans | 0.0198% | 3,442 |
| Credit loss provision to net charge-offs | 925.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 94.7500% | 670 |
| Efficiency ratio | 64.1014% | 3,585 |
| Assets per employee ($millions) | 4.5967% | 3,036 |
| Cash dividends to net income (ytd only)* | 80.8655% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9494% | 592 |
| Loan loss allowance to noncurrent loans | 1,052.2727% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 4,477 |
| Noncurrent loans to loans | 0.1853% | 4,174 |
| Net loans and leases to total assets | 69.5365% | 2,597 |
| Net loans and leases to deposits | 82.2905% | 2,692 |
| Net loans and leases to core deposits | 87.3963% | 2,774 |
| Total domestic deposits to total assets | 84.5012% | 3,036 |
| Equity capital to assets | 10.6923% | 2,949 |
| Core capital (leverage) ratio | 11.0521% | 2,285 |
| Tier 1 risk-based capital ratio | 12.7397% | 4,069 |
| Total risk-based capital ratio | 13.9947% | 3,962 |
| Memoranda: | ||
| Average total assets | $222,299,600 | 2,707 |
| Average earning assets | $211,001,800 | 2,654 |
| Average equity | $25,005,400 | 2,674 |
| Average total loans | $161,856,600 | 2,527 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2360% | 2,492 |
| Cost of funding earning assets | 0.3497% | 3,671 |
| Net interest margin | 3.8863% | 2,082 |
| Noninterest income to average assets | 0.3685% | 3,893 |
| Noninterest expense to average assets | 2.6573% | 3,219 |
| Loan and lease loss provision to assets | 0.1459% | 1,437 |
| Net operating income to assets | 1.2237% | 1,598 |
| Return on assets (ROA) | 1.2958% | 1,383 |
| Pretax return on assets | 1.3286% | 2,367 |
| Return on Equity (ROE) | 11.3695% | 1,540 |
| Retained earnings to average equity (ytd only) | 3.4413% | 3,879 |
| Net charge-offs to loans | 0.0481% | 2,475 |
| Credit loss provision to net charge-offs | 413.7931% | 749 |
| Earnings coverage of net charge-offs (x) | 39.7248% | 1,305 |
| Efficiency ratio | 63.3953% | 3,656 |
| Assets per employee ($millions) | 4.2429% | 3,572 |
| Cash dividends to net income (ytd only)* | 69.7324% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9008% | 703 |
| Loan loss allowance to noncurrent loans | 449.3599% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.3249% | 3,756 |
| Noncurrent loans to loans | 0.4230% | 3,433 |
| Net loans and leases to total assets | 75.3429% | 1,697 |
| Net loans and leases to deposits | 88.6314% | 1,970 |
| Net loans and leases to core deposits | 93.7909% | 2,288 |
| Total domestic deposits to total assets | 85.0070% | 2,711 |
| Equity capital to assets | 11.7405% | 2,161 |
| Core capital (leverage) ratio | 11.4283% | 2,073 |
| Tier 1 risk-based capital ratio | 13.5422% | 3,678 |
| Total risk-based capital ratio | 14.7980% | 3,590 |
| Memoranda: | ||
| Average total assets | $219,266,750 | 2,761 |
| Average earning assets | $208,177,000 | 2,702 |
| Average equity | $24,990,250 | 2,697 |
| Average total loans | $160,756,750 | 2,556 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1885% | 2,518 |
| Cost of funding earning assets | 0.3369% | 3,727 |
| Net interest margin | 3.8516% | 2,089 |
| Noninterest income to average assets | 0.3714% | 3,900 |
| Noninterest expense to average assets | 2.6382% | 3,316 |
| Loan and lease loss provision to assets | 0.1644% | 1,211 |
| Net operating income to assets | 1.2049% | 1,580 |
| Return on assets (ROA) | 1.2687% | 1,408 |
| Pretax return on assets | 1.2878% | 2,435 |
| Return on Equity (ROE) | 11.2426% | 1,554 |
| Retained earnings to average equity (ytd only) | 3.3076% | 3,744 |
| Net charge-offs to loans | -0.0264% | 4,901 |
| Credit loss provision to net charge-offs | -861.9048% | 4,793 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4333% | 3,772 |
| Assets per employee ($millions) | 3.8890% | 4,143 |
| Cash dividends to net income (ytd only)* | 70.5798% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 651 |
| Loan loss allowance to noncurrent loans | 178.4952% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 2,162 |
| Noncurrent loans to loans | 1.0934% | 1,794 |
| Net loans and leases to total assets | 73.3308% | 1,981 |
| Net loans and leases to deposits | 88.6726% | 1,902 |
| Net loans and leases to core deposits | 92.5235% | 2,293 |
| Total domestic deposits to total assets | 82.6984% | 3,658 |
| Equity capital to assets | 11.6047% | 2,228 |
| Core capital (leverage) ratio | 11.3575% | 2,078 |
| Tier 1 risk-based capital ratio | 13.5222% | 3,694 |
| Total risk-based capital ratio | 14.7784% | 3,602 |
| Memoranda: | ||
| Average total assets | $220,226,330 | 2,767 |
| Average earning assets | $208,953,670 | 2,708 |
| Average equity | $24,852,000 | 2,717 |
| Average total loans | $158,945,000 | 2,579 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0746% | 2,751 |
| Cost of funding earning assets | 0.3429% | 3,601 |
| Net interest margin | 3.7317% | 2,377 |
| Noninterest income to average assets | 0.3956% | 3,696 |
| Noninterest expense to average assets | 2.4909% | 3,838 |
| Loan and lease loss provision to assets | 0.1626% | 1,106 |
| Net operating income to assets | 1.2174% | 1,467 |
| Return on assets (ROA) | 1.2500% | 1,410 |
| Pretax return on assets | 1.3150% | 2,183 |
| Return on Equity (ROE) | 11.2331% | 1,488 |
| Retained earnings to average equity (ytd only) | 1.7207% | 4,423 |
| Net charge-offs to loans | -0.0102% | 4,436 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1313% | 3,965 |
| Assets per employee ($millions) | 4.2019% | 3,654 |
| Cash dividends to net income (ytd only)* | 84.6821% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9751% | 701 |
| Loan loss allowance to noncurrent loans | 701.1416% | 793 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 4,439 |
| Noncurrent loans to loans | 0.2817% | 4,107 |
| Net loans and leases to total assets | 69.7551% | 2,428 |
| Net loans and leases to deposits | 81.8995% | 2,525 |
| Net loans and leases to core deposits | 85.0782% | 2,806 |
| Total domestic deposits to total assets | 85.1716% | 3,014 |
| Equity capital to assets | 11.3629% | 2,294 |
| Core capital (leverage) ratio | 10.9172% | 2,459 |
| Tier 1 risk-based capital ratio | 13.9018% | 3,539 |
| Total risk-based capital ratio | 15.1580% | 3,444 |
| Memoranda: | ||
| Average total assets | $221,448,000 | 2,778 |
| Average earning assets | $209,983,000 | 2,722 |
| Average equity | $24,641,500 | 2,741 |
| Average total loans | $156,977,000 | 2,620 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 3,389 |
| Cost of funding earning assets | 0.2962% | 4,104 |
| Net interest margin | 3.6527% | 2,877 |
| Noninterest income to average assets | 0.3812% | 4,026 |
| Noninterest expense to average assets | 2.6221% | 3,613 |
| Loan and lease loss provision to assets | 0.1427% | 1,753 |
| Net operating income to assets | 1.0167% | 2,281 |
| Return on assets (ROA) | 1.0167% | 2,381 |
| Pretax return on assets | 1.0939% | 3,126 |
| Return on Equity (ROE) | 9.5050% | 2,191 |
| Retained earnings to average equity (ytd only) | 2.5516% | 4,064 |
| Net charge-offs to loans | -0.0914% | 5,566 |
| Credit loss provision to net charge-offs | -234.7518% | 5,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9517% | 3,239 |
| Assets per employee ($millions) | 4.3999% | 3,277 |
| Cash dividends to net income (ytd only)* | 73.1552% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 840 |
| Loan loss allowance to noncurrent loans | 642.7646% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 4,495 |
| Noncurrent loans to loans | 0.2922% | 4,104 |
| Net loans and leases to total assets | 69.2931% | 2,583 |
| Net loans and leases to deposits | 85.2823% | 2,269 |
| Net loans and leases to core deposits | 88.2950% | 2,642 |
| Total domestic deposits to total assets | 81.2514% | 4,273 |
| Equity capital to assets | 10.8981% | 2,715 |
| Core capital (leverage) ratio | 10.5628% | 2,818 |
| Tier 1 risk-based capital ratio | 13.3333% | 3,873 |
| Total risk-based capital ratio | 14.5877% | 3,782 |
| Memoranda: | ||
| Average total assets | $231,917,200 | 2,644 |
| Average earning assets | $220,798,000 | 2,588 |
| Average equity | $24,808,000 | 2,739 |
| Average total loans | $154,249,600 | 2,587 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8925% | 3,609 |
| Cost of funding earning assets | 0.2800% | 4,291 |
| Net interest margin | 3.6125% | 3,023 |
| Noninterest income to average assets | 0.3958% | 3,949 |
| Noninterest expense to average assets | 2.5782% | 3,735 |
| Loan and lease loss provision to assets | 0.1363% | 1,722 |
| Net operating income to assets | 1.0465% | 2,212 |
| Return on assets (ROA) | 1.0465% | 2,344 |
| Pretax return on assets | 1.1246% | 3,137 |
| Return on Equity (ROE) | 9.8272% | 2,129 |
| Retained earnings to average equity (ytd only) | 3.2668% | 3,948 |
| Net charge-offs to loans | -0.0740% | 5,486 |
| Credit loss provision to net charge-offs | -281.1765% | 4,941 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1569% | 3,392 |
| Assets per employee ($millions) | 4.4167% | 3,220 |
| Cash dividends to net income (ytd only)* | 66.7573% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7314% | 1,140 |
| Loan loss allowance to noncurrent loans | 101.5434% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 1.2131% | 1,638 |
| Noncurrent loans to loans | 1.7051% | 1,230 |
| Net loans and leases to total assets | 69.9107% | 2,500 |
| Net loans and leases to deposits | 90.5110% | 1,693 |
| Net loans and leases to core deposits | 93.6587% | 2,217 |
| Total domestic deposits to total assets | 77.2400% | 5,039 |
| Equity capital to assets | 10.9411% | 3,071 |
| Core capital (leverage) ratio | 10.2145% | 3,318 |
| Tier 1 risk-based capital ratio | 12.4968% | 4,481 |
| Total risk-based capital ratio | 13.7495% | 4,376 |
| Memoranda: | ||
| Average total assets | $233,797,500 | 2,639 |
| Average earning assets | $222,852,000 | 2,576 |
| Average equity | $24,896,250 | 2,752 |
| Average total loans | $153,195,250 | 2,605 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0968% | 5,548 |
| Cost of funding earning assets | 0.1021% | 5,847 |
| Net interest margin | 2.9948% | 5,095 |
| Noninterest income to average assets | 0.1245% | 5,688 |
| Noninterest expense to average assets | 1.5125% | 5,828 |
| Loan and lease loss provision to assets | 0.0934% | 2,286 |
| Net operating income to assets | 1.3699% | 1,117 |
| Return on assets (ROA) | 1.3818% | 1,159 |
| Pretax return on assets | 1.4533% | 1,827 |
| Return on Equity (ROE) | 13.6657% | 893 |
| Retained earnings to average equity (ytd only) | 3.2010% | 3,862 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6425% | 5,583 |
| Assets per employee ($millions) | 6.8719% | 919 |
| Cash dividends to net income (ytd only)* | 76.5766% | 974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9348% | 843 |
| Loan loss allowance to noncurrent loans | 30,250.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 5,627 |
| Noncurrent loans to loans | 0.0064% | 5,489 |
| Net loans and leases to total assets | 49.5820% | 4,868 |
| Net loans and leases to deposits | 55.7353% | 5,034 |
| Net loans and leases to core deposits | 55.7353% | 5,189 |
| Total domestic deposits to total assets | 88.9599% | 934 |
| Equity capital to assets | 10.8882% | 3,179 |
| Core capital (leverage) ratio | 10.0735% | 3,485 |
| Tier 1 risk-based capital ratio | 16.7863% | 2,317 |
| Total risk-based capital ratio | 18.0397% | 2,264 |
| Memoranda: | ||
| Average total assets | $64,266,000 | 5,141 |
| Average earning assets | $62,709,000 | 5,060 |
| Average equity | $6,498,000 | 5,283 |
| Average total loans | $30,486,670 | 5,280 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9831% | 5,700 |
| Cost of funding earning assets | 0.0936% | 5,937 |
| Net interest margin | 2.8895% | 5,341 |
| Noninterest income to average assets | 0.1344% | 5,672 |
| Noninterest expense to average assets | 1.4784% | 5,922 |
| Loan and lease loss provision to assets | 0.0916% | 2,156 |
| Net operating income to assets | 1.3257% | 1,197 |
| Return on assets (ROA) | 1.3257% | 1,280 |
| Pretax return on assets | 1.3929% | 1,927 |
| Return on Equity (ROE) | 13.6050% | 906 |
| Retained earnings to average equity (ytd only) | 1.6928% | 4,593 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8969% | 5,630 |
| Assets per employee ($millions) | 6.9733% | 908 |
| Cash dividends to net income (ytd only)* | 87.5576% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0142% | 802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 45.7330% | 5,136 |
| Net loans and leases to deposits | 51.0903% | 5,274 |
| Net loans and leases to core deposits | 52.0228% | 5,352 |
| Total domestic deposits to total assets | 89.5140% | 829 |
| Equity capital to assets | 10.3362% | 3,698 |
| Core capital (leverage) ratio | 9.6500% | 3,968 |
| Tier 1 risk-based capital ratio | 18.1255% | 1,952 |
| Total risk-based capital ratio | 19.3796% | 1,915 |
| Memoranda: | ||
| Average total assets | $65,475,500 | 5,167 |
| Average earning assets | $64,093,500 | 5,077 |
| Average equity | $6,380,000 | 5,341 |
| Average total loans | $30,095,000 | 5,334 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8321% | 5,859 |
| Cost of funding earning assets | 0.0925% | 5,993 |
| Net interest margin | 2.7396% | 5,604 |
| Noninterest income to average assets | 0.1168% | 5,816 |
| Noninterest expense to average assets | 1.5128% | 5,976 |
| Loan and lease loss provision to assets | 0.0473% | 3,382 |
| Net operating income to assets | 1.1757% | 1,649 |
| Return on assets (ROA) | 1.1771% | 1,713 |
| Pretax return on assets | 1.2304% | 2,543 |
| Return on Equity (ROE) | 12.5981% | 1,154 |
| Retained earnings to average equity (ytd only) | 1.2820% | 4,989 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2418% | 5,507 |
| Assets per employee ($millions) | 7.5768% | 669 |
| Cash dividends to net income (ytd only)* | 89.8241% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8610% | 1,030 |
| 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 | 44.4677% | 5,253 |
| Net loans and leases to deposits | 49.0259% | 5,437 |
| Net loans and leases to core deposits | 49.8373% | 5,507 |
| Total domestic deposits to total assets | 90.7026% | 376 |
| Equity capital to assets | 9.1992% | 4,913 |
| Core capital (leverage) ratio | 9.8629% | 3,696 |
| Tier 1 risk-based capital ratio | 16.8274% | 2,349 |
| Total risk-based capital ratio | 18.0804% | 2,297 |
| Memoranda: | ||
| Average total assets | $67,622,000 | 5,140 |
| Average earning assets | $65,958,800 | 5,042 |
| Average equity | $6,318,400 | 5,371 |
| Average total loans | $28,714,200 | 5,414 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8201% | 5,944 |
| Cost of funding earning assets | 0.0952% | 6,075 |
| Net interest margin | 2.7249% | 5,696 |
| Noninterest income to average assets | 0.1166% | 5,891 |
| Noninterest expense to average assets | 1.4523% | 6,068 |
| Loan and lease loss provision to assets | 0.0336% | 3,553 |
| Net operating income to assets | 1.2389% | 1,529 |
| Return on assets (ROA) | 1.2408% | 1,578 |
| Pretax return on assets | 1.2902% | 2,429 |
| Return on Equity (ROE) | 13.2282% | 1,074 |
| Retained earnings to average equity (ytd only) | 3.4335% | 4,026 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3504% | 5,628 |
| Assets per employee ($millions) | 6.7544% | 964 |
| Cash dividends to net income (ytd only)* | 74.0443% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9236% | 1,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.9683% | 5,152 |
| Net loans and leases to deposits | 52.6994% | 5,328 |
| Net loans and leases to core deposits | 53.6974% | 5,420 |
| Total domestic deposits to total assets | 89.1249% | 963 |
| Equity capital to assets | 10.7287% | 3,327 |
| Core capital (leverage) ratio | 10.0232% | 3,592 |
| Tier 1 risk-based capital ratio | 18.3052% | 1,956 |
| Total risk-based capital ratio | 19.5580% | 1,913 |
| Memoranda: | ||
| Average total assets | $67,479,750 | 5,207 |
| Average earning assets | $65,810,500 | 5,106 |
| Average equity | $6,329,750 | 5,434 |
| Average total loans | $28,168,250 | 5,499 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6895% | 6,082 |
| Cost of funding earning assets | 0.0941% | 6,154 |
| Net interest margin | 2.5954% | 5,889 |
| Noninterest income to average assets | 0.1119% | 5,983 |
| Noninterest expense to average assets | 1.3886% | 6,181 |
| Loan and lease loss provision to assets | 0.0258% | 3,617 |
| Net operating income to assets | 1.1879% | 1,640 |
| Return on assets (ROA) | 1.1907% | 1,699 |
| Pretax return on assets | 1.2337% | 2,634 |
| Return on Equity (ROE) | 13.2468% | 1,066 |
| Retained earnings to average equity (ytd only) | 3.5112% | 3,796 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4946% | 5,677 |
| Assets per employee ($millions) | 7.2304% | 755 |
| Cash dividends to net income (ytd only)* | 73.4940% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9609% | 1,048 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 42.4102% | 5,475 |
| Net loans and leases to deposits | 47.0418% | 5,627 |
| Net loans and leases to core deposits | 48.0768% | 5,687 |
| Total domestic deposits to total assets | 90.1543% | 595 |
| Equity capital to assets | 9.7289% | 4,372 |
| Core capital (leverage) ratio | 9.1848% | 4,715 |
| Tier 1 risk-based capital ratio | 18.6186% | 1,892 |
| Total risk-based capital ratio | 19.8709% | 1,853 |
| Memoranda: | ||
| Average total assets | $69,709,670 | 5,224 |
| Average earning assets | $68,043,000 | 5,097 |
| Average equity | $6,265,670 | 5,491 |
| Average total loans | $27,853,670 | 5,561 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5818% | 6,190 |
| Cost of funding earning assets | 0.0910% | 6,237 |
| Net interest margin | 2.4908% | 6,024 |
| Noninterest income to average assets | 0.1277% | 5,964 |
| Noninterest expense to average assets | 1.3773% | 6,248 |
| Loan and lease loss provision to assets | 0.0167% | 3,507 |
| Net operating income to assets | 1.1329% | 1,749 |
| Return on assets (ROA) | 1.1329% | 1,856 |
| Pretax return on assets | 1.1662% | 2,807 |
| Return on Equity (ROE) | 13.0916% | 1,068 |
| Retained earnings to average equity (ytd only) | 1.5402% | 4,863 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7961% | 5,694 |
| Assets per employee ($millions) | 8.5803% | 420 |
| Cash dividends to net income (ytd only)* | 88.2353% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0577% | 983 |
| Loan loss allowance to noncurrent loans | 10,920.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 5,925 |
| Noncurrent loans to loans | 0.0188% | 5,731 |
| Net loans and leases to total assets | 37.8617% | 5,726 |
| Net loans and leases to deposits | 41.7635% | 5,847 |
| Net loans and leases to core deposits | 43.5181% | 5,856 |
| Total domestic deposits to total assets | 90.6573% | 476 |
| Equity capital to assets | 9.2378% | 5,040 |
| Core capital (leverage) ratio | 8.6074% | 5,412 |
| Tier 1 risk-based capital ratio | 19.7063% | 1,689 |
| Total risk-based capital ratio | 20.9609% | 1,649 |
| Memoranda: | ||
| Average total assets | $72,027,500 | 5,196 |
| Average earning assets | $70,338,000 | 5,079 |
| Average equity | $6,233,000 | 5,547 |
| Average total loans | $27,705,500 | 5,610 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5385% | 6,321 |
| Cost of funding earning assets | 0.1002% | 6,327 |
| Net interest margin | 2.4383% | 6,205 |
| Noninterest income to average assets | 0.1076% | 6,123 |
| Noninterest expense to average assets | 1.4563% | 6,321 |
| Loan and lease loss provision to assets | 0.0172% | 4,265 |
| Net operating income to assets | 0.9355% | 2,697 |
| Return on assets (ROA) | 0.9355% | 2,790 |
| Pretax return on assets | 1.0072% | 3,466 |
| Return on Equity (ROE) | 10.6459% | 1,838 |
| Retained earnings to average equity (ytd only) | 1.5022% | 5,085 |
| Net charge-offs to loans | 0.0038% | 4,876 |
| Credit loss provision to net charge-offs | 1,200.0000% | 237 |
| Earnings coverage of net charge-offs (x) | 714.0000% | 67 |
| Efficiency ratio | 58.7045% | 5,376 |
| Assets per employee ($millions) | 8.3792% | 460 |
| Cash dividends to net income (ytd only)* | 85.8896% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8805% | 1,358 |
| Loan loss allowance to noncurrent loans | 5,430.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0133% | 6,005 |
| Noncurrent loans to loans | 0.0346% | 5,750 |
| Net loans and leases to total assets | 37.5704% | 5,876 |
| Net loans and leases to deposits | 40.9294% | 6,001 |
| Net loans and leases to core deposits | 42.4681% | 6,015 |
| Total domestic deposits to total assets | 91.7932% | 178 |
| Equity capital to assets | 8.1219% | 5,998 |
| Core capital (leverage) ratio | 8.7600% | 5,281 |
| Tier 1 risk-based capital ratio | 16.7758% | 2,606 |
| Total risk-based capital ratio | 18.0280% | 2,561 |
| Memoranda: | ||
| Average total assets | $69,696,800 | 5,303 |
| Average earning assets | $67,834,600 | 5,178 |
| Average equity | $6,124,400 | 5,592 |
| Average total loans | $26,333,400 | 5,728 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5469% | 6,398 |
| Cost of funding earning assets | 0.1024% | 6,408 |
| Net interest margin | 2.4445% | 6,271 |
| Noninterest income to average assets | 0.1094% | 6,208 |
| Noninterest expense to average assets | 1.4921% | 6,359 |
| Loan and lease loss provision to assets | 0.0176% | 4,062 |
| Net operating income to assets | 0.8984% | 2,917 |
| Return on assets (ROA) | 0.8984% | 3,013 |
| Pretax return on assets | 0.9785% | 3,683 |
| Return on Equity (ROE) | 10.0146% | 2,215 |
| Retained earnings to average equity (ytd only) | 2.8302% | 4,591 |
| Net charge-offs to loans | 0.0052% | 4,518 |
| Credit loss provision to net charge-offs | 900.0000% | 353 |
| Earnings coverage of net charge-offs (x) | 511.2632% | 149 |
| Efficiency ratio | 59.9686% | 5,186 |
| Assets per employee ($millions) | 7.3970% | 668 |
| Cash dividends to net income (ytd only)* | 71.7391% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0328% | 1,203 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 39.0909% | 5,875 |
| Net loans and leases to deposits | 43.5526% | 5,996 |
| Net loans and leases to core deposits | 45.4599% | 5,975 |
| Total domestic deposits to total assets | 89.7556% | 845 |
| Equity capital to assets | 9.2410% | 5,096 |
| Core capital (leverage) ratio | 9.0969% | 4,936 |
| Tier 1 risk-based capital ratio | 18.8945% | 1,932 |
| Total risk-based capital ratio | 20.1496% | 1,901 |
| Memoranda: | ||
| Average total assets | $68,267,750 | 5,397 |
| Average earning assets | $66,432,000 | 5,272 |
| Average equity | $6,124,250 | 5,650 |
| Average total loans | $25,697,750 | 5,802 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4675% | 6,483 |
| Cost of funding earning assets | 0.0835% | 6,517 |
| Net interest margin | 2.3839% | 6,370 |
| Noninterest income to average assets | 0.1133% | 6,228 |
| Noninterest expense to average assets | 1.4731% | 6,437 |
| Loan and lease loss provision to assets | 0.0174% | 3,911 |
| Net operating income to assets | 0.8484% | 3,081 |
| Return on assets (ROA) | 0.8484% | 3,186 |
| Pretax return on assets | 0.9443% | 3,704 |
| Return on Equity (ROE) | 9.5503% | 2,354 |
| Retained earnings to average equity (ytd only) | 3.9902% | 3,645 |
| Net charge-offs to loans | 0.0079% | 4,127 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 331.0000% | 210 |
| Efficiency ratio | 60.5012% | 5,221 |
| Assets per employee ($millions) | 7.5058% | 628 |
| Cash dividends to net income (ytd only)* | 58.2192% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0959% | 1,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 37.1344% | 5,998 |
| Net loans and leases to deposits | 40.9277% | 6,113 |
| Net loans and leases to core deposits | 42.6717% | 6,123 |
| Total domestic deposits to total assets | 90.7316% | 497 |
| Equity capital to assets | 9.1678% | 5,141 |
| Core capital (leverage) ratio | 8.9068% | 5,151 |
| Tier 1 risk-based capital ratio | 19.2558% | 1,863 |
| Total risk-based capital ratio | 20.5117% | 1,823 |
| Memoranda: | ||
| Average total assets | $68,832,670 | 5,427 |
| Average earning assets | $67,031,670 | 5,298 |
| Average equity | $6,115,000 | 5,691 |
| Average total loans | $25,409,000 | 5,861 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4147% | 6,570 |
| Cost of funding earning assets | 0.1006% | 6,564 |
| Net interest margin | 2.3141% | 6,466 |
| Noninterest income to average assets | 0.1209% | 6,244 |
| Noninterest expense to average assets | 1.4509% | 6,531 |
| Loan and lease loss provision to assets | 0.0173% | 3,605 |
| Net operating income to assets | 0.7542% | 3,395 |
| Return on assets (ROA) | 0.7542% | 3,477 |
| Pretax return on assets | 0.9039% | 3,684 |
| Return on Equity (ROE) | 8.6241% | 2,631 |
| Retained earnings to average equity (ytd only) | 8.6241% | 1,374 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1650% | 5,248 |
| Assets per employee ($millions) | 7.6231% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1963% | 1,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 34.7248% | 6,138 |
| Net loans and leases to deposits | 38.1728% | 6,238 |
| Net loans and leases to core deposits | 39.7690% | 6,244 |
| Total domestic deposits to total assets | 90.9675% | 581 |
| Equity capital to assets | 8.9465% | 5,172 |
| Core capital (leverage) ratio | 8.9198% | 5,117 |
| Tier 1 risk-based capital ratio | 19.8022% | 1,766 |
| Total risk-based capital ratio | 21.0567% | 1,733 |
| Memoranda: | ||
| Average total assets | $69,473,000 | 5,458 |
| Average earning assets | $67,585,000 | 5,331 |
| Average equity | $6,076,000 | 5,729 |
| Average total loans | $25,302,500 | 5,922 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4280% | 6,638 |
| Cost of funding earning assets | 0.1077% | 6,655 |
| Net interest margin | 2.3203% | 6,506 |
| Noninterest income to average assets | 0.1141% | 6,338 |
| Noninterest expense to average assets | 1.5334% | 6,559 |
| Loan and lease loss provision to assets | 0.0776% | 3,558 |
| Net operating income to assets | 0.7424% | 3,599 |
| Return on assets (ROA) | 0.7424% | 3,685 |
| Pretax return on assets | 0.7652% | 4,280 |
| Return on Equity (ROE) | 8.1447% | 2,958 |
| Retained earnings to average equity (ytd only) | 3.5550% | 3,686 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5327% | 4,809 |
| Assets per employee ($millions) | 7.8153% | 519 |
| Cash dividends to net income (ytd only)* | 56.3525% | 1,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0270% | 1,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 36.5578% | 6,170 |
| Net loans and leases to deposits | 39.9975% | 6,300 |
| Net loans and leases to core deposits | 40.9511% | 6,332 |
| Total domestic deposits to total assets | 91.4001% | 436 |
| Equity capital to assets | 8.5501% | 5,530 |
| Core capital (leverage) ratio | 9.1583% | 4,770 |
| Tier 1 risk-based capital ratio | 17.9770% | 2,254 |
| Total risk-based capital ratio | 19.2325% | 2,220 |
| Memoranda: | ||
| Average total assets | $65,735,600 | 5,602 |
| Average earning assets | $64,085,800 | 5,466 |
| Average equity | $5,991,600 | 5,825 |
| Average total loans | $24,992,400 | 5,987 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4658% | 6,705 |
| Cost of funding earning assets | 0.1058% | 6,753 |
| Net interest margin | 2.3599% | 6,548 |
| Noninterest income to average assets | 0.1239% | 6,405 |
| Noninterest expense to average assets | 1.5359% | 6,613 |
| Loan and lease loss provision to assets | 0.0929% | 3,216 |
| Net operating income to assets | 0.7742% | 3,490 |
| Return on assets (ROA) | 0.7742% | 3,618 |
| Pretax return on assets | 0.7969% | 4,306 |
| Return on Equity (ROE) | 8.3527% | 2,946 |
| Retained earnings to average equity (ytd only) | 3.7865% | 3,989 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3191% | 4,918 |
| Assets per employee ($millions) | 6.3129% | 1,031 |
| Cash dividends to net income (ytd only)* | 54.6671% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 1,276 |
| Loan loss allowance to noncurrent loans | 275.3927% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3026% | 5,512 |
| Noncurrent loans to loans | 0.8119% | 4,212 |
| Net loans and leases to total assets | 36.4333% | 6,261 |
| Net loans and leases to deposits | 40.2957% | 6,376 |
| Net loans and leases to core deposits | 41.3810% | 6,406 |
| Total domestic deposits to total assets | 90.4149% | 779 |
| Equity capital to assets | 9.5154% | 4,536 |
| Core capital (leverage) ratio | 9.3534% | 4,606 |
| Tier 1 risk-based capital ratio | 20.0353% | 1,728 |
| Total risk-based capital ratio | 21.2915% | 1,701 |
| Memoranda: | ||
| Average total assets | $64,585,000 | 5,694 |
| Average earning assets | $62,994,500 | 5,563 |
| Average equity | $5,986,000 | 5,898 |
| Average total loans | $24,679,000 | 6,057 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4478% | 6,752 |
| Cost of funding earning assets | 0.1133% | 6,795 |
| Net interest margin | 2.3346% | 6,598 |
| Noninterest income to average assets | 0.1260% | 6,425 |
| Noninterest expense to average assets | 1.4753% | 6,691 |
| Loan and lease loss provision to assets | 0.0922% | 3,246 |
| Net operating income to assets | 0.8053% | 3,263 |
| Return on assets (ROA) | 0.8053% | 3,417 |
| Pretax return on assets | 0.8391% | 4,162 |
| Return on Equity (ROE) | 8.7640% | 2,725 |
| Retained earnings to average equity (ytd only) | 5.4190% | 2,795 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3027% | 5,280 |
| Assets per employee ($millions) | 7.0630% | 704 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1345% | 1,557 |
| Loan loss allowance to noncurrent loans | 204.4000% | 1,954 |
| Noncurrent assets plus other real estate owned to assets | 0.3933% | 5,302 |
| Noncurrent loans to loans | 1.0443% | 3,850 |
| Net loans and leases to total assets | 36.8572% | 6,245 |
| Net loans and leases to deposits | 40.6485% | 6,382 |
| Net loans and leases to core deposits | 41.7309% | 6,414 |
| Total domestic deposits to total assets | 90.6728% | 671 |
| Equity capital to assets | 9.2800% | 4,887 |
| Core capital (leverage) ratio | 9.3208% | 4,507 |
| Tier 1 risk-based capital ratio | 19.7943% | 1,769 |
| Total risk-based capital ratio | 21.0502% | 1,744 |
| Memoranda: | ||
| Average total assets | $65,070,330 | 5,725 |
| Average earning assets | $63,566,330 | 5,581 |
| Average equity | $5,979,000 | 5,943 |
| Average total loans | $25,063,330 | 6,064 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4682% | 6,824 |
| Cost of funding earning assets | 0.1122% | 6,885 |
| Net interest margin | 2.3560% | 6,638 |
| Noninterest income to average assets | 0.1398% | 6,405 |
| Noninterest expense to average assets | 1.4342% | 6,786 |
| Loan and lease loss provision to assets | 0.0912% | 3,139 |
| Net operating income to assets | 0.8994% | 2,657 |
| Return on assets (ROA) | 0.8994% | 2,804 |
| Pretax return on assets | 0.9115% | 3,718 |
| Return on Equity (ROE) | 9.8355% | 2,124 |
| Retained earnings to average equity (ytd only) | 9.8355% | 1,148 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8529% | 5,736 |
| Assets per employee ($millions) | 6.9949% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0394% | 1,940 |
| Loan loss allowance to noncurrent loans | 194.5098% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.4051% | 5,381 |
| Noncurrent loans to loans | 1.0485% | 4,045 |
| Net loans and leases to total assets | 37.8451% | 6,156 |
| Net loans and leases to deposits | 41.9314% | 6,322 |
| Net loans and leases to core deposits | 43.0637% | 6,361 |
| Total domestic deposits to total assets | 90.2548% | 903 |
| Equity capital to assets | 9.6690% | 4,608 |
| Core capital (leverage) ratio | 9.2023% | 4,562 |
| Tier 1 risk-based capital ratio | 19.8246% | 1,816 |
| Total risk-based capital ratio | 21.0788% | 1,782 |
| Memoranda: | ||
| Average total assets | $65,822,000 | 5,744 |
| Average earning assets | $64,176,000 | 5,609 |
| Average equity | $6,019,000 | 5,976 |
| Average total loans | $25,625,000 | 6,085 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8310% | 6,845 |
| Cost of funding earning assets | 0.1529% | 6,910 |
| Net interest margin | 2.6781% | 6,548 |
| Noninterest income to average assets | 0.1213% | 6,428 |
| Noninterest expense to average assets | 1.6650% | 6,753 |
| Loan and lease loss provision to assets | 0.0415% | 5,339 |
| Net operating income to assets | 0.9770% | 2,438 |
| Return on assets (ROA) | 0.9770% | 2,665 |
| Pretax return on assets | 1.0153% | 3,497 |
| Return on Equity (ROE) | 10.3908% | 2,003 |
| Retained earnings to average equity (ytd only) | 2.7505% | 4,303 |
| Net charge-offs to loans | 0.6633% | 1,775 |
| Credit loss provision to net charge-offs | 14.9425% | 5,347 |
| Earnings coverage of net charge-offs (x) | 3.8046% | 3,597 |
| Efficiency ratio | 60.9971% | 5,385 |
| Assets per employee ($millions) | 7.6322% | 589 |
| Cash dividends to net income (ytd only)* | 73.5294% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7862% | 2,632 |
| Loan loss allowance to noncurrent loans | 187.8906% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 5,579 |
| Noncurrent loans to loans | 0.9506% | 4,293 |
| Net loans and leases to total assets | 38.5034% | 6,266 |
| Net loans and leases to deposits | 42.1933% | 6,455 |
| Net loans and leases to core deposits | 43.2227% | 6,496 |
| Total domestic deposits to total assets | 91.2549% | 414 |
| Equity capital to assets | 8.6636% | 5,889 |
| Core capital (leverage) ratio | 9.3102% | 4,401 |
| Tier 1 risk-based capital ratio | 17.5697% | 2,433 |
| Total risk-based capital ratio | 18.8213% | 2,400 |
| Memoranda: | ||
| Average total assets | $62,642,400 | 5,859 |
| Average earning assets | $60,827,400 | 5,712 |
| Average equity | $5,889,800 | 6,051 |
| Average total loans | $26,233,800 | 6,125 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8916% | 6,934 |
| Cost of funding earning assets | 0.1640% | 7,007 |
| Net interest margin | 2.7276% | 6,608 |
| Noninterest income to average assets | 0.1112% | 6,579 |
| Noninterest expense to average assets | 1.7339% | 6,754 |
| Loan and lease loss provision to assets | 0.0240% | 5,493 |
| Net operating income to assets | 0.9531% | 2,733 |
| Return on assets (ROA) | 0.9531% | 2,953 |
| Pretax return on assets | 1.0011% | 3,705 |
| Return on Equity (ROE) | 9.9183% | 2,381 |
| Retained earnings to average equity (ytd only) | 2.6555% | 4,969 |
| Net charge-offs to loans | 0.8954% | 1,222 |
| Credit loss provision to net charge-offs | 6.2857% | 5,119 |
| Earnings coverage of net charge-offs (x) | 2.6857% | 3,960 |
| Efficiency ratio | 62.6087% | 5,052 |
| Assets per employee ($millions) | 6.5624% | 920 |
| Cash dividends to net income (ytd only)* | 73.2275% | 825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8256% | 2,711 |
| Loan loss allowance to noncurrent loans | 176.8061% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 5,553 |
| Noncurrent loans to loans | 1.0325% | 4,380 |
| Net loans and leases to total assets | 42.3386% | 6,096 |
| Net loans and leases to deposits | 47.1198% | 6,310 |
| Net loans and leases to core deposits | 48.4829% | 6,385 |
| Total domestic deposits to total assets | 89.8530% | 926 |
| Equity capital to assets | 10.0284% | 4,454 |
| Core capital (leverage) ratio | 9.4063% | 4,424 |
| Tier 1 risk-based capital ratio | 19.1368% | 1,967 |
| Total risk-based capital ratio | 20.3903% | 1,938 |
| Memoranda: | ||
| Average total assets | $61,130,500 | 5,965 |
| Average earning assets | $59,342,250 | 5,835 |
| Average equity | $5,874,500 | 6,125 |
| Average total loans | $26,060,000 | 6,214 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9305% | 7,001 |
| Cost of funding earning assets | 0.1736% | 7,073 |
| Net interest margin | 2.7570% | 6,637 |
| Noninterest income to average assets | 0.1132% | 6,621 |
| Noninterest expense to average assets | 1.6629% | 6,873 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0773% | 2,137 |
| Return on assets (ROA) | 1.0773% | 2,358 |
| Pretax return on assets | 1.1226% | 3,219 |
| Return on Equity (ROE) | 11.3684% | 1,857 |
| Retained earnings to average equity (ytd only) | 0.4438% | 5,889 |
| Net charge-offs to loans | 0.7846% | 1,404 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.3689% | 3,399 |
| Efficiency ratio | 59.3496% | 5,687 |
| Assets per employee ($millions) | 6.2175% | 1,112 |
| Cash dividends to net income (ytd only)* | 96.0961% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1393% | 1,912 |
| Loan loss allowance to noncurrent loans | 114.5969% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 0.7382% | 4,949 |
| Noncurrent loans to loans | 1.8668% | 3,126 |
| Net loans and leases to total assets | 38.6988% | 6,423 |
| Net loans and leases to deposits | 42.7303% | 6,615 |
| Net loans and leases to core deposits | 44.4586% | 6,642 |
| Total domestic deposits to total assets | 90.5653% | 626 |
| Equity capital to assets | 9.3317% | 5,276 |
| Core capital (leverage) ratio | 9.0918% | 4,770 |
| Tier 1 risk-based capital ratio | 19.8291% | 1,746 |
| Total risk-based capital ratio | 21.0881% | 1,715 |
| Memoranda: | ||
| Average total assets | $61,820,000 | 5,984 |
| Average earning assets | $59,921,000 | 5,842 |
| Average equity | $5,858,330 | 6,156 |
| Average total loans | $26,256,330 | 6,245 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9548% | 7,057 |
| Cost of funding earning assets | 0.1805% | 7,131 |
| Net interest margin | 2.7743% | 6,672 |
| Noninterest income to average assets | 0.1428% | 6,523 |
| Noninterest expense to average assets | 1.7066% | 6,890 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1096% | 2,039 |
| Return on assets (ROA) | 1.1096% | 2,221 |
| Pretax return on assets | 1.1291% | 3,201 |
| Return on Equity (ROE) | 11.6198% | 1,800 |
| Retained earnings to average equity (ytd only) | 11.6198% | 897 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4966% | 5,694 |
| Assets per employee ($millions) | 6.1101% | 1,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4608% | 1,411 |
| Loan loss allowance to noncurrent loans | 7,862.5000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 6,891 |
| Noncurrent loans to loans | 0.0313% | 6,686 |
| Net loans and leases to total assets | 40.8046% | 6,283 |
| Net loans and leases to deposits | 45.2560% | 6,479 |
| Net loans and leases to core deposits | 48.1285% | 6,451 |
| Total domestic deposits to total assets | 90.1638% | 997 |
| Equity capital to assets | 9.7282% | 4,481 |
| Core capital (leverage) ratio | 9.4417% | 4,134 |
| Tier 1 risk-based capital ratio | 19.1605% | 1,944 |
| Total risk-based capital ratio | 20.4132% | 1,911 |
| Memoranda: | ||
| Average total assets | $61,642,500 | 6,019 |
| Average earning assets | $59,835,500 | 5,883 |
| Average equity | $5,886,500 | 6,177 |
| Average total loans | $27,091,000 | 6,241 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5087% | 6,989 |
| Cost of funding earning assets | 0.2752% | 7,144 |
| Net interest margin | 3.2336% | 6,000 |
| Noninterest income to average assets | 0.1183% | 6,553 |
| Noninterest expense to average assets | 1.9474% | 6,767 |
| Loan and lease loss provision to assets | 0.0857% | 5,529 |
| Net operating income to assets | 1.1211% | 1,751 |
| Return on assets (ROA) | 1.1211% | 1,875 |
| Pretax return on assets | 1.1674% | 2,588 |
| Return on Equity (ROE) | 11.2568% | 1,631 |
| Retained earnings to average equity (ytd only) | 2.2204% | 4,634 |
| Net charge-offs to loans | 0.0170% | 6,201 |
| Credit loss provision to net charge-offs | 1,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 146.2000% | 231 |
| Efficiency ratio | 59.8286% | 5,785 |
| Assets per employee ($millions) | 5.6531% | 1,477 |
| Cash dividends to net income (ytd only)* | 80.2752% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1977% | 1,804 |
| Loan loss allowance to noncurrent loans | 7,862.5000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 6,954 |
| Noncurrent loans to loans | 0.0280% | 6,755 |
| Net loans and leases to total assets | 45.0148% | 6,108 |
| Net loans and leases to deposits | 49.7379% | 6,376 |
| Net loans and leases to core deposits | 52.3283% | 6,413 |
| Total domestic deposits to total assets | 90.5040% | 724 |
| Equity capital to assets | 9.3738% | 5,054 |
| Core capital (leverage) ratio | 9.7205% | 3,719 |
| Tier 1 risk-based capital ratio | 17.0220% | 2,591 |
| Total risk-based capital ratio | 18.2801% | 2,539 |
| Memoranda: | ||
| Average total assets | $58,335,400 | 6,094 |
| Average earning assets | $55,604,200 | 6,002 |
| Average equity | $5,809,800 | 6,202 |
| Average total loans | $29,374,200 | 6,185 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6019% | 7,017 |
| Cost of funding earning assets | 0.2983% | 7,214 |
| Net interest margin | 3.3036% | 5,850 |
| Noninterest income to average assets | 0.1185% | 6,666 |
| Noninterest expense to average assets | 1.9846% | 6,722 |
| Loan and lease loss provision to assets | 0.1046% | 5,139 |
| Net operating income to assets | 1.1294% | 1,879 |
| Return on assets (ROA) | 1.1294% | 2,001 |
| Pretax return on assets | 1.1689% | 2,745 |
| Return on Equity (ROE) | 11.1624% | 1,800 |
| Retained earnings to average equity (ytd only) | 5.4205% | 2,897 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9144% | 5,737 |
| Assets per employee ($millions) | 5.1400% | 2,005 |
| Cash dividends to net income (ytd only)* | 51.4414% | 1,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2510% | 1,774 |
| Loan loss allowance to noncurrent loans | 7,862.5000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 7,030 |
| Noncurrent loans to loans | 0.0286% | 6,869 |
| Net loans and leases to total assets | 48.3092% | 5,920 |
| Net loans and leases to deposits | 54.1011% | 6,207 |
| Net loans and leases to core deposits | 57.5019% | 6,166 |
| Total domestic deposits to total assets | 89.2943% | 1,261 |
| Equity capital to assets | 10.5465% | 3,650 |
| Core capital (leverage) ratio | 10.0390% | 3,381 |
| Tier 1 risk-based capital ratio | 18.2664% | 2,163 |
| Total risk-based capital ratio | 19.5133% | 2,131 |
| Memoranda: | ||
| Average total assets | $57,373,250 | 6,170 |
| Average earning assets | $54,525,500 | 6,081 |
| Average equity | $5,805,000 | 6,252 |
| Average total loans | $29,562,500 | 6,239 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6679% | 7,041 |
| Cost of funding earning assets | 0.3164% | 7,285 |
| Net interest margin | 3.3515% | 5,705 |
| Noninterest income to average assets | 0.1145% | 6,762 |
| Noninterest expense to average assets | 1.9497% | 6,876 |
| Loan and lease loss provision to assets | 0.1041% | 5,008 |
| Net operating income to assets | 1.1899% | 1,606 |
| Return on assets (ROA) | 1.1899% | 1,698 |
| Pretax return on assets | 1.2211% | 2,400 |
| Return on Equity (ROE) | 11.9256% | 1,516 |
| Retained earnings to average equity (ytd only) | 7.7534% | 1,552 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4746% | 6,100 |
| Assets per employee ($millions) | 5.1632% | 1,917 |
| Cash dividends to net income (ytd only)* | 34.9854% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1180% | 2,080 |
| Loan loss allowance to noncurrent loans | 1,805.8824% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.0599% | 6,949 |
| Noncurrent loans to loans | 0.1173% | 6,686 |
| Net loans and leases to total assets | 49.9621% | 5,827 |
| Net loans and leases to deposits | 55.8748% | 6,147 |
| Net loans and leases to core deposits | 59.1721% | 6,174 |
| Total domestic deposits to total assets | 89.4181% | 1,289 |
| Equity capital to assets | 10.4305% | 3,606 |
| Core capital (leverage) ratio | 9.9468% | 3,328 |
| Tier 1 risk-based capital ratio | 17.7647% | 2,247 |
| Total risk-based capital ratio | 19.0120% | 2,210 |
| Memoranda: | ||
| Average total assets | $57,651,000 | 6,215 |
| Average earning assets | $54,363,330 | 6,133 |
| Average equity | $5,752,330 | 6,304 |
| Average total loans | $30,102,330 | 6,270 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 7,039 |
| Cost of funding earning assets | 0.3402% | 7,332 |
| Net interest margin | 3.3867% | 5,477 |
| Noninterest income to average assets | 0.1171% | 6,827 |
| Noninterest expense to average assets | 1.9766% | 6,866 |
| Loan and lease loss provision to assets | 0.1033% | 4,719 |
| Net operating income to assets | 1.1639% | 1,613 |
| Return on assets (ROA) | 1.1639% | 1,670 |
| Pretax return on assets | 1.1915% | 2,410 |
| Return on Equity (ROE) | 11.9298% | 1,479 |
| Retained earnings to average equity (ytd only) | 11.9298% | 746 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3684% | 6,069 |
| Assets per employee ($millions) | 5.1105% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0579% | 2,275 |
| Loan loss allowance to noncurrent loans | 3,152.6316% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 7,083 |
| Noncurrent loans to loans | 0.0653% | 6,880 |
| Net loans and leases to total assets | 50.7115% | 5,753 |
| Net loans and leases to deposits | 56.5826% | 6,076 |
| Net loans and leases to core deposits | 60.4572% | 6,059 |
| Total domestic deposits to total assets | 89.6240% | 1,414 |
| Equity capital to assets | 10.2248% | 3,507 |
| Core capital (leverage) ratio | 9.6564% | 3,586 |
| Tier 1 risk-based capital ratio | 17.8356% | 2,170 |
| Total risk-based capital ratio | 19.0916% | 2,135 |
| Memoranda: | ||
| Average total assets | $58,079,000 | 6,255 |
| Average earning assets | $54,093,500 | 6,198 |
| Average equity | $5,666,500 | 6,346 |
| Average total loans | $30,658,500 | 6,310 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 7,076 |
| Cost of funding earning assets | 0.4432% | 7,378 |
| Net interest margin | 3.6229% | 4,713 |
| Noninterest income to average assets | 0.1005% | 6,894 |
| Noninterest expense to average assets | 2.0976% | 6,850 |
| Loan and lease loss provision to assets | 0.2299% | 4,985 |
| Net operating income to assets | 1.1561% | 1,526 |
| Return on assets (ROA) | 1.1561% | 1,610 |
| Pretax return on assets | 1.2106% | 2,188 |
| Return on Equity (ROE) | 12.0664% | 1,307 |
| Retained earnings to average equity (ytd only) | 1.8482% | 4,566 |
| Net charge-offs to loans | 0.5545% | 3,401 |
| Credit loss provision to net charge-offs | 71.0526% | 5,834 |
| Earnings coverage of net charge-offs (x) | 4.4526% | 2,920 |
| Efficiency ratio | 58.3734% | 6,297 |
| Assets per employee ($millions) | 5.4493% | 1,634 |
| Cash dividends to net income (ytd only)* | 84.6834% | 714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8131% | 2,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8024% | 5,404 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 52.7610% | 5,816 |
| Net loans and leases to deposits | 58.2785% | 6,229 |
| Net loans and leases to core deposits | 61.0034% | 6,316 |
| Total domestic deposits to total assets | 90.5325% | 815 |
| Equity capital to assets | 9.3173% | 4,667 |
| Core capital (leverage) ratio | 9.5049% | 3,702 |
| Tier 1 risk-based capital ratio | 15.4214% | 3,034 |
| Total risk-based capital ratio | 16.6755% | 2,993 |
| Memoranda: | ||
| Average total assets | $58,733,000 | 6,251 |
| Average earning assets | $55,729,200 | 6,143 |
| Average equity | $5,627,200 | 6,477 |
| Average total loans | $34,262,200 | 6,197 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1189% | 7,183 |
| Cost of funding earning assets | 0.4590% | 7,508 |
| Net interest margin | 3.6599% | 4,596 |
| Noninterest income to average assets | 0.0913% | 7,085 |
| Noninterest expense to average assets | 2.0605% | 6,933 |
| Loan and lease loss provision to assets | 0.1940% | 5,099 |
| Net operating income to assets | 1.2733% | 1,405 |
| Return on assets (ROA) | 1.2733% | 1,489 |
| Pretax return on assets | 1.3303% | 2,089 |
| Return on Equity (ROE) | 13.1964% | 1,208 |
| Retained earnings to average equity (ytd only) | 2.6723% | 4,551 |
| Net charge-offs to loans | 0.5253% | 3,195 |
| Credit loss provision to net charge-offs | 62.0438% | 5,639 |
| Earnings coverage of net charge-offs (x) | 4.8759% | 2,908 |
| Efficiency ratio | 56.5882% | 6,476 |
| Assets per employee ($millions) | 5.1682% | 1,981 |
| Cash dividends to net income (ytd only)* | 79.7495% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8589% | 2,598 |
| Loan loss allowance to noncurrent loans | 226.6409% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 2.0070% | 3,460 |
| Noncurrent loans to loans | 0.8202% | 5,578 |
| Net loans and leases to total assets | 54.5119% | 5,771 |
| Net loans and leases to deposits | 60.6565% | 6,255 |
| Net loans and leases to core deposits | 64.2040% | 6,284 |
| Total domestic deposits to total assets | 89.8698% | 943 |
| Equity capital to assets | 9.9367% | 4,237 |
| Core capital (leverage) ratio | 9.4057% | 4,046 |
| Tier 1 risk-based capital ratio | 15.8906% | 2,816 |
| Total risk-based capital ratio | 17.1446% | 2,758 |
| Memoranda: | ||
| Average total assets | $58,430,750 | 6,328 |
| Average earning assets | $55,774,250 | 6,204 |
| Average equity | $5,637,750 | 6,558 |
| Average total loans | $34,775,250 | 6,250 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 7,251 |
| Cost of funding earning assets | 0.4578% | 7,593 |
| Net interest margin | 3.6727% | 4,485 |
| Noninterest income to average assets | 0.1425% | 6,871 |
| Noninterest expense to average assets | 1.9268% | 7,215 |
| Loan and lease loss provision to assets | 0.1187% | 5,708 |
| Net operating income to assets | 1.5774% | 769 |
| Return on assets (ROA) | 1.5774% | 821 |
| Pretax return on assets | 1.6351% | 1,204 |
| Return on Equity (ROE) | 16.5069% | 629 |
| Retained earnings to average equity (ytd only) | 5.8573% | 2,414 |
| Net charge-offs to loans | 0.4632% | 3,154 |
| Credit loss provision to net charge-offs | 42.1687% | 5,574 |
| Earnings coverage of net charge-offs (x) | 6.2289% | 2,503 |
| Efficiency ratio | 51.4286% | 7,122 |
| Assets per employee ($millions) | 5.1563% | 1,978 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 3,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 4,661 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 60.1686% | 5,024 |
| Net loans and leases to deposits | 67.0077% | 5,682 |
| Net loans and leases to core deposits | 69.2063% | 5,951 |
| Total domestic deposits to total assets | 89.7935% | 1,024 |
| Equity capital to assets | 10.0249% | 3,995 |
| Core capital (leverage) ratio | 9.4865% | 3,841 |
| Tier 1 risk-based capital ratio | 15.3026% | 3,008 |
| Total risk-based capital ratio | 16.5577% | 2,964 |
| Memoranda: | ||
| Average total assets | $58,957,670 | 6,351 |
| Average earning assets | $56,798,000 | 6,212 |
| Average equity | $5,634,000 | 6,579 |
| Average total loans | $35,841,330 | 6,253 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0852% | 7,387 |
| Cost of funding earning assets | 0.4685% | 7,714 |
| Net interest margin | 3.6167% | 4,644 |
| Noninterest income to average assets | 0.1332% | 7,022 |
| Noninterest expense to average assets | 1.8709% | 7,381 |
| Loan and lease loss provision to assets | 0.0999% | 5,633 |
| Net operating income to assets | 1.6046% | 743 |
| Return on assets (ROA) | 1.6046% | 797 |
| Pretax return on assets | 1.6579% | 1,142 |
| Return on Equity (ROE) | 17.1897% | 588 |
| Retained earnings to average equity (ytd only) | 17.1897% | 275 |
| Net charge-offs to loans | 0.5274% | 2,483 |
| Credit loss provision to net charge-offs | 31.2500% | 4,789 |
| Earnings coverage of net charge-offs (x) | 5.5000% | 2,387 |
| Efficiency ratio | 50.6422% | 7,270 |
| Assets per employee ($millions) | 5.4766% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6942% | 3,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 6,592 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 58.3703% | 5,373 |
| Net loans and leases to deposits | 64.6207% | 5,985 |
| Net loans and leases to core deposits | 66.0977% | 6,276 |
| Total domestic deposits to total assets | 90.3275% | 815 |
| Equity capital to assets | 9.4899% | 4,549 |
| Core capital (leverage) ratio | 9.4542% | 3,840 |
| Tier 1 risk-based capital ratio | 15.2666% | 2,979 |
| Total risk-based capital ratio | 16.5192% | 2,935 |
| Memoranda: | ||
| Average total assets | $60,077,000 | 6,379 |
| Average earning assets | $58,063,500 | 6,242 |
| Average equity | $5,608,000 | 6,642 |
| Average total loans | $36,403,000 | 6,288 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8002% | 6,954 |
| Cost of funding earning assets | 0.7202% | 7,660 |
| Net interest margin | 4.0800% | 2,529 |
| Noninterest income to average assets | 0.1297% | 7,103 |
| Noninterest expense to average assets | 2.0735% | 7,240 |
| Loan and lease loss provision to assets | 0.4842% | 3,947 |
| Net operating income to assets | 1.4215% | 816 |
| Return on assets (ROA) | 1.4215% | 869 |
| Pretax return on assets | 1.4907% | 1,208 |
| Return on Equity (ROE) | 14.9770% | 674 |
| Retained earnings to average equity (ytd only) | 3.7716% | 2,556 |
| Net charge-offs to loans | 0.6613% | 3,202 |
| Credit loss provision to net charge-offs | 106.0606% | 5,223 |
| Earnings coverage of net charge-offs (x) | 4.3258% | 2,986 |
| Efficiency ratio | 50.4058% | 7,513 |
| Assets per employee ($millions) | 5.4465% | 1,695 |
| Cash dividends to net income (ytd only)* | 74.8175% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7253% | 2,809 |
| Loan loss allowance to noncurrent loans | 80.9886% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 4,457 |
| Noncurrent loans to loans | 2.1304% | 3,481 |
| Net loans and leases to total assets | 60.7518% | 5,223 |
| Net loans and leases to deposits | 67.0418% | 5,941 |
| Net loans and leases to core deposits | 71.9792% | 6,657 |
| Total domestic deposits to total assets | 90.6177% | 687 |
| Equity capital to assets | 9.1786% | 4,874 |
| Core capital (leverage) ratio | 9.2721% | 4,019 |
| Tier 1 risk-based capital ratio | 13.3811% | 3,897 |
| Total risk-based capital ratio | 14.6109% | 3,850 |
| Memoranda: | ||
| Average total assets | $57,826,000 | 6,438 |
| Average earning assets | $55,539,000 | 6,314 |
| Average equity | $5,488,400 | 6,774 |
| Average total loans | $39,920,200 | 6,113 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0059% | 6,587 |
| Cost of funding earning assets | 0.7830% | 7,720 |
| Net interest margin | 4.2229% | 1,964 |
| Noninterest income to average assets | 0.1349% | 7,204 |
| Noninterest expense to average assets | 2.0475% | 7,291 |
| Loan and lease loss provision to assets | 0.4770% | 3,525 |
| Net operating income to assets | 1.5938% | 671 |
| Return on assets (ROA) | 1.5938% | 723 |
| Pretax return on assets | 1.6636% | 1,035 |
| Return on Equity (ROE) | 16.6488% | 584 |
| Retained earnings to average equity (ytd only) | 5.7117% | 2,098 |
| Net charge-offs to loans | 0.7513% | 2,484 |
| Credit loss provision to net charge-offs | 89.5197% | 5,494 |
| Earnings coverage of net charge-offs (x) | 4.0174% | 3,298 |
| Efficiency ratio | 48.1111% | 7,659 |
| Assets per employee ($millions) | 5.1952% | 1,900 |
| Cash dividends to net income (ytd only)* | 65.6940% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6020% | 2,974 |
| Loan loss allowance to noncurrent loans | 72.6942% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.4419% | 4,227 |
| Noncurrent loans to loans | 2.2038% | 3,375 |
| Net loans and leases to total assets | 64.3796% | 4,778 |
| Net loans and leases to deposits | 71.5138% | 5,731 |
| Net loans and leases to core deposits | 81.6815% | 6,216 |
| Total domestic deposits to total assets | 90.0240% | 758 |
| Equity capital to assets | 9.6943% | 4,505 |
| Core capital (leverage) ratio | 9.1010% | 4,489 |
| Tier 1 risk-based capital ratio | 13.5497% | 3,815 |
| Total risk-based capital ratio | 14.7721% | 3,769 |
| Memoranda: | ||
| Average total assets | $57,304,750 | 6,492 |
| Average earning assets | $55,000,250 | 6,378 |
| Average equity | $5,485,750 | 6,852 |
| Average total loans | $40,641,250 | 6,125 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1923% | 6,104 |
| Cost of funding earning assets | 0.8550% | 7,755 |
| Net interest margin | 4.3373% | 1,557 |
| Noninterest income to average assets | 0.1290% | 7,315 |
| Noninterest expense to average assets | 1.8934% | 7,631 |
| Loan and lease loss provision to assets | 0.4533% | 3,269 |
| Net operating income to assets | 1.8446% | 419 |
| Return on assets (ROA) | 1.8446% | 454 |
| Pretax return on assets | 1.9213% | 666 |
| Return on Equity (ROE) | 19.3501% | 379 |
| Retained earnings to average equity (ytd only) | 9.2910% | 861 |
| Net charge-offs to loans | 1.0977% | 1,652 |
| Credit loss provision to net charge-offs | 56.7686% | 5,648 |
| Earnings coverage of net charge-offs (x) | 2.9738% | 3,619 |
| Efficiency ratio | 43.5458% | 7,935 |
| Assets per employee ($millions) | 5.3334% | 1,734 |
| Cash dividends to net income (ytd only)* | 51.9849% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2880% | 4,336 |
| Loan loss allowance to noncurrent loans | 64.3735% | 4,212 |
| Noncurrent assets plus other real estate owned to assets | 2.0096% | 3,184 |
| Noncurrent loans to loans | 2.0009% | 3,522 |
| Net loans and leases to total assets | 68.4507% | 4,079 |
| Net loans and leases to deposits | 75.8457% | 5,194 |
| Net loans and leases to core deposits | 89.2380% | 5,605 |
| Total domestic deposits to total assets | 90.2501% | 730 |
| Equity capital to assets | 9.4534% | 4,671 |
| Core capital (leverage) ratio | 9.4241% | 3,996 |
| Tier 1 risk-based capital ratio | 12.6058% | 4,438 |
| Total risk-based capital ratio | 13.8212% | 4,388 |
| Memoranda: | ||
| Average total assets | $57,357,330 | 6,535 |
| Average earning assets | $54,734,670 | 6,440 |
| Average equity | $5,467,670 | 6,910 |
| Average total loans | $41,725,000 | 6,120 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4586% | 5,124 |
| Cost of funding earning assets | 0.9404% | 7,763 |
| Net interest margin | 4.5182% | 1,089 |
| Noninterest income to average assets | 0.1623% | 7,145 |
| Noninterest expense to average assets | 1.8553% | 7,628 |
| Loan and lease loss provision to assets | 0.3880% | 2,999 |
| Net operating income to assets | 2.1657% | 248 |
| Return on assets (ROA) | 2.1657% | 288 |
| Pretax return on assets | 2.2574% | 392 |
| Return on Equity (ROE) | 22.6214% | 279 |
| Retained earnings to average equity (ytd only) | 22.6214% | 119 |
| Net charge-offs to loans | 0.8900% | 1,474 |
| Credit loss provision to net charge-offs | 58.5106% | 4,545 |
| Earnings coverage of net charge-offs (x) | 3.9894% | 3,009 |
| Efficiency ratio | 40.4389% | 8,040 |
| Assets per employee ($millions) | 5.0698% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4118% | 3,438 |
| Loan loss allowance to noncurrent loans | 141.7476% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 5,318 |
| Noncurrent loans to loans | 0.9960% | 5,002 |
| Net loans and leases to total assets | 73.1298% | 2,982 |
| Net loans and leases to deposits | 81.5693% | 4,358 |
| Net loans and leases to core deposits | 96.2022% | 4,946 |
| Total domestic deposits to total assets | 89.6536% | 948 |
| Equity capital to assets | 9.9878% | 4,019 |
| Core capital (leverage) ratio | 9.6400% | 3,833 |
| Tier 1 risk-based capital ratio | 12.5624% | 4,503 |
| Total risk-based capital ratio | 13.7513% | 4,466 |
| Memoranda: | ||
| Average total assets | $56,702,500 | 6,595 |
| Average earning assets | $54,446,000 | 6,476 |
| Average equity | $5,428,500 | 6,968 |
| Average total loans | $42,246,500 | 6,127 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9686% | 5,708 |
| Cost of funding earning assets | 1.7953% | 7,021 |
| Net interest margin | 4.1733% | 2,425 |
| Noninterest income to average assets | 0.1580% | 7,294 |
| Noninterest expense to average assets | 1.9428% | 7,546 |
| Loan and lease loss provision to assets | 0.3882% | 3,362 |
| Net operating income to assets | 1.7815% | 572 |
| Return on assets (ROA) | 1.7815% | 550 |
| Pretax return on assets | 1.8235% | 897 |
| Return on Equity (ROE) | 20.1920% | 355 |
| Retained earnings to average equity (ytd only) | 4.6670% | 2,222 |
| Net charge-offs to loans | -0.0074% | 7,818 |
| Credit loss provision to net charge-offs | -7,700.0000% | 7,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7638% | 7,885 |
| Assets per employee ($millions) | 5.2397% | 1,698 |
| Cash dividends to net income (ytd only)* | 76.8868% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 2,952 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.7426% | 3,172 |
| Net loans and leases to deposits | 81.5922% | 4,778 |
| Net loans and leases to core deposits | 91.3316% | 5,691 |
| Total domestic deposits to total assets | 90.3794% | 528 |
| Equity capital to assets | 9.1729% | 5,121 |
| Core capital (leverage) ratio | 8.5047% | 5,574 |
| Tier 1 risk-based capital ratio | 11.1997% | 5,540 |
| Total risk-based capital ratio | 12.3801% | 5,494 |
| Memoranda: | ||
| Average total assets | $59,501,200 | 6,402 |
| Average earning assets | $56,981,400 | 6,301 |
| Average equity | $5,249,600 | 7,065 |
| Average total loans | $40,625,800 | 6,140 |