Home > Southern Illinois Bank > Performance and Condition Ratios
Southern Illinois 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 | 4.8623% | 2,356 |
| Cost of funding earning assets | 1.0255% | 3,240 |
| Net interest margin | 3.8368% | 1,498 |
| Noninterest income to average assets | 0.5500% | 1,725 |
| Noninterest expense to average assets | 2.4436% | 2,462 |
| Loan and lease loss provision to assets | 0.0600% | 1,903 |
| Net operating income to assets | 1.2228% | 1,596 |
| Return on assets (ROA) | 1.2228% | 1,571 |
| Pretax return on assets | 1.5476% | 1,330 |
| Return on Equity (ROE) | 11.5800% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.8130% | 837 |
| Net charge-offs to loans | -0.0068% | 3,909 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.3670% | 3,033 |
| Assets per employee ($millions) | 5.2793% | 3,411 |
| Cash dividends to net income (ytd only)* | 6.6262% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9897% | 3,370 |
| Loan loss allowance to noncurrent loans | 2,585.7143% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 3,048 |
| Noncurrent loans to loans | 0.0383% | 3,450 |
| Net loans and leases to total assets | 61.2500% | 2,733 |
| Net loans and leases to deposits | 72.6315% | 2,719 |
| Net loans and leases to core deposits | 77.1087% | 2,911 |
| Total domestic deposits to total assets | 84.3300% | 2,529 |
| Equity capital to assets | 11.7102% | 1,224 |
| Core capital (leverage) ratio | 14.4951% | 706 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2395% | 670 |
| Memoranda: | ||
| Average total assets | $148,104,000 | 3,383 |
| Average earning assets | $135,060,800 | 3,389 |
| Average equity | $15,638,600 | 3,212 |
| Average total loans | $88,883,000 | 3,304 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7701% | 2,328 |
| Cost of funding earning assets | 0.8894% | 3,301 |
| Net interest margin | 3.8806% | 1,444 |
| Noninterest income to average assets | 0.5500% | 1,728 |
| Noninterest expense to average assets | 2.3692% | 2,601 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2246% | 1,718 |
| Return on assets (ROA) | 1.2246% | 1,716 |
| Pretax return on assets | 1.6494% | 1,260 |
| Return on Equity (ROE) | 11.9200% | 2,142 |
| Retained earnings to average equity (ytd only) | 10.8709% | 1,180 |
| Net charge-offs to loans | -0.0091% | 3,904 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 58.1365% | 3,190 |
| Assets per employee ($millions) | 5.5186% | 3,168 |
| Cash dividends to net income (ytd only)* | 8.8170% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9642% | 3,520 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0510% | 3,295 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 60.9400% | 2,753 |
| Net loans and leases to deposits | 70.7855% | 2,791 |
| Net loans and leases to core deposits | 73.9157% | 2,999 |
| Total domestic deposits to total assets | 86.0900% | 2,158 |
| Equity capital to assets | 9.8944% | 1,885 |
| Core capital (leverage) ratio | 13.9447% | 837 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4321% | 767 |
| Memoranda: | ||
| Average total assets | $148,175,000 | 3,391 |
| Average earning assets | $134,613,500 | 3,404 |
| Average equity | $15,220,750 | 3,240 |
| Average total loans | $88,242,250 | 3,313 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6429% | 2,327 |
| Cost of funding earning assets | 0.7037% | 3,476 |
| Net interest margin | 3.9392% | 1,353 |
| Noninterest income to average assets | 0.5500% | 1,674 |
| Noninterest expense to average assets | 2.3868% | 2,535 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 1.2481% | 1,696 |
| Return on assets (ROA) | 1.2481% | 1,692 |
| Pretax return on assets | 1.6782% | 1,258 |
| Return on Equity (ROE) | 12.0000% | 2,156 |
| Retained earnings to average equity (ytd only) | 10.4421% | 1,297 |
| Net charge-offs to loans | -0.0138% | 4,019 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.9068% | 3,200 |
| Assets per employee ($millions) | 5.5826% | 3,073 |
| Cash dividends to net income (ytd only)* | 13.0011% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9433% | 3,648 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0504% | 3,275 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.1300% | 2,761 |
| Net loans and leases to deposits | 70.3453% | 2,757 |
| Net loans and leases to core deposits | 73.6909% | 2,911 |
| Total domestic deposits to total assets | 85.4700% | 2,401 |
| Equity capital to assets | 10.5049% | 1,601 |
| Core capital (leverage) ratio | 13.7398% | 820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8360% | 736 |
| Memoranda: | ||
| Average total assets | $147,899,000 | 3,400 |
| Average earning assets | $134,139,000 | 3,422 |
| Average equity | $15,380,000 | 3,240 |
| Average total loans | $87,095,667 | 3,332 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3596% | 2,652 |
| Cost of funding earning assets | 0.5461% | 3,547 |
| Net interest margin | 3.8135% | 1,660 |
| Noninterest income to average assets | 0.5400% | 1,672 |
| Noninterest expense to average assets | 2.3648% | 2,623 |
| Loan and lease loss provision to assets | 0.0600% | 1,589 |
| Net operating income to assets | 1.1332% | 2,117 |
| Return on assets (ROA) | 1.1332% | 2,084 |
| Pretax return on assets | 1.5483% | 1,578 |
| Return on Equity (ROE) | 10.9500% | 2,507 |
| Retained earnings to average equity (ytd only) | 7.7872% | 2,285 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.5598% | 3,006 |
| Assets per employee ($millions) | 5.4403% | 3,282 |
| Cash dividends to net income (ytd only)* | 28.9157% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9838% | 3,581 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 3,271 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 57.2800% | 2,931 |
| Net loans and leases to deposits | 64.6383% | 3,037 |
| Net loans and leases to core deposits | 67.6755% | 3,118 |
| Total domestic deposits to total assets | 88.6200% | 1,694 |
| Equity capital to assets | 10.6400% | 1,494 |
| Core capital (leverage) ratio | 13.6991% | 792 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7543% | 682 |
| Memoranda: | ||
| Average total assets | $146,483,500 | 3,461 |
| Average earning assets | $131,846,500 | 3,488 |
| Average equity | $15,153,000 | 3,293 |
| Average total loans | $84,898,000 | 3,404 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 2,544 |
| Cost of funding earning assets | 0.3992% | 2,117 |
| Net interest margin | 3.2928% | 2,582 |
| Noninterest income to average assets | 0.8300% | 937 |
| Noninterest expense to average assets | 2.2802% | 2,806 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.0906% | 2,221 |
| Return on assets (ROA) | 1.0906% | 2,159 |
| Pretax return on assets | 1.3632% | 1,887 |
| Return on Equity (ROE) | 11.2400% | 2,397 |
| Retained earnings to average equity (ytd only) | 10.4414% | 1,023 |
| Net charge-offs to loans | 0.0472% | 1,216 |
| Credit loss provision to net charge-offs | 523.6842% | 658 |
| Earnings coverage of net charge-offs (x) | 61.0263% | 1,245 |
| Efficiency ratio | 60.4604% | 2,990 |
| Assets per employee ($millions) | 5.2171% | 3,499 |
| Cash dividends to net income (ytd only)* | 7.0755% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9609% | 3,563 |
| Loan loss allowance to noncurrent loans | 554.4218% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 2,474 |
| Noncurrent loans to loans | 0.1733% | 2,616 |
| Net loans and leases to total assets | 57.5100% | 2,872 |
| Net loans and leases to deposits | 64.4296% | 3,005 |
| Net loans and leases to core deposits | 65.2580% | 3,183 |
| Total domestic deposits to total assets | 89.2500% | 1,647 |
| Equity capital to assets | 10.0474% | 1,682 |
| Core capital (leverage) ratio | 13.0086% | 934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2223% | 697 |
| Memoranda: | ||
| Average total assets | $155,514,000 | 3,386 |
| Average earning assets | $139,030,000 | 3,427 |
| Average equity | $15,093,800 | 3,362 |
| Average total loans | $80,424,800 | 3,413 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4677% | 2,717 |
| Cost of funding earning assets | 0.4002% | 1,286 |
| Net interest margin | 3.0675% | 3,030 |
| Noninterest income to average assets | 0.9300% | 770 |
| Noninterest expense to average assets | 2.2203% | 2,872 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.9678% | 2,601 |
| Return on assets (ROA) | 0.9678% | 2,572 |
| Pretax return on assets | 1.3124% | 2,005 |
| Return on Equity (ROE) | 10.0500% | 2,709 |
| Retained earnings to average equity (ytd only) | 9.0010% | 1,651 |
| Net charge-offs to loans | -0.0504% | 4,312 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 60.2843% | 3,081 |
| Assets per employee ($millions) | 5.6760% | 3,051 |
| Cash dividends to net income (ytd only)* | 10.4712% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0450% | 3,280 |
| Loan loss allowance to noncurrent loans | 594.4828% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1964% | 2,292 |
| Noncurrent loans to loans | 0.1758% | 2,707 |
| Net loans and leases to total assets | 53.2600% | 3,160 |
| Net loans and leases to deposits | 58.6139% | 3,304 |
| Net loans and leases to core deposits | 59.3175% | 3,430 |
| Total domestic deposits to total assets | 90.8700% | 1,292 |
| Equity capital to assets | 8.4326% | 2,591 |
| Core capital (leverage) ratio | 12.1902% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2183% | 711 |
| Memoranda: | ||
| Average total assets | $157,873,000 | 3,386 |
| Average earning assets | $141,609,000 | 3,427 |
| Average equity | $15,198,000 | 3,388 |
| Average total loans | $79,326,250 | 3,434 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2311% | 2,951 |
| Cost of funding earning assets | 0.4053% | 888 |
| Net interest margin | 2.8258% | 3,363 |
| Noninterest income to average assets | 1.1103% | 545 |
| Noninterest expense to average assets | 2.2257% | 2,771 |
| Loan and lease loss provision to assets | 0.1970% | 423 |
| Net operating income to assets | 0.9108% | 2,536 |
| Return on assets (ROA) | 0.9108% | 2,505 |
| Pretax return on assets | 1.2333% | 1,953 |
| Return on Equity (ROE) | 9.0998% | 2,666 |
| Retained earnings to average equity (ytd only) | 7.5957% | 1,771 |
| Net charge-offs to loans | -0.0767% | 4,375 |
| Credit loss provision to net charge-offs | -523.3333% | 3,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8785% | 3,195 |
| Assets per employee ($millions) | 5.7799% | 2,947 |
| Cash dividends to net income (ytd only)* | 16.5289% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 3,487 |
| Loan loss allowance to noncurrent loans | 264.4654% | 2,305 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 2,055 |
| Noncurrent loans to loans | 0.3878% | 1,974 |
| Net loans and leases to total assets | 52.0025% | 3,155 |
| Net loans and leases to deposits | 57.6693% | 3,253 |
| Net loans and leases to core deposits | 58.3531% | 3,401 |
| Total domestic deposits to total assets | 90.1735% | 1,640 |
| Equity capital to assets | 9.1511% | 2,281 |
| Core capital (leverage) ratio | 11.6638% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7959% | 744 |
| Memoranda: | ||
| Average total assets | $159,413,667 | 3,414 |
| Average earning assets | $143,603,000 | 3,462 |
| Average equity | $15,956,333 | 3,408 |
| Average total loans | $78,271,667 | 3,477 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0371% | 3,146 |
| Cost of funding earning assets | 0.4092% | 823 |
| Net interest margin | 2.6280% | 3,595 |
| Noninterest income to average assets | 0.5537% | 1,882 |
| Noninterest expense to average assets | 2.0535% | 3,286 |
| Loan and lease loss provision to assets | 0.0521% | 1,445 |
| Net operating income to assets | 0.6456% | 3,245 |
| Return on assets (ROA) | 0.6456% | 3,226 |
| Pretax return on assets | 0.8244% | 3,031 |
| Return on Equity (ROE) | 6.1927% | 3,292 |
| Retained earnings to average equity (ytd only) | 3.3345% | 3,159 |
| Net charge-offs to loans | -0.1570% | 4,554 |
| Credit loss provision to net charge-offs | -70.0000% | 2,849 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0847% | 2,216 |
| Assets per employee ($millions) | 6.0317% | 2,779 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9115% | 4,010 |
| Loan loss allowance to noncurrent loans | 112.0827% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4329% | 1,405 |
| Noncurrent loans to loans | 0.8132% | 1,162 |
| Net loans and leases to total assets | 47.0603% | 3,480 |
| Net loans and leases to deposits | 54.1927% | 3,405 |
| Net loans and leases to core deposits | 54.8309% | 3,537 |
| Total domestic deposits to total assets | 86.8388% | 2,982 |
| Equity capital to assets | 9.5311% | 2,257 |
| Core capital (leverage) ratio | 11.1863% | 1,402 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8946% | 653 |
| Memoranda: | ||
| Average total assets | $161,091,500 | 3,412 |
| Average earning assets | $145,663,500 | 3,455 |
| Average equity | $16,794,000 | 3,415 |
| Average total loans | $76,410,000 | 3,519 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8831% | 1,662 |
| Cost of funding earning assets | 0.5424% | 744 |
| Net interest margin | 3.3407% | 2,207 |
| Noninterest income to average assets | 1.1805% | 762 |
| Noninterest expense to average assets | 2.3345% | 2,702 |
| Loan and lease loss provision to assets | 0.0628% | 1,814 |
| Net operating income to assets | 1.3764% | 1,352 |
| Return on assets (ROA) | 1.3533% | 1,468 |
| Pretax return on assets | 1.5553% | 1,556 |
| Return on Equity (ROE) | 12.3107% | 1,709 |
| Retained earnings to average equity (ytd only) | 12.0988% | 527 |
| Net charge-offs to loans | 0.0433% | 1,413 |
| Credit loss provision to net charge-offs | 293.9394% | 1,075 |
| Earnings coverage of net charge-offs (x) | 77.0000% | 1,019 |
| Efficiency ratio | 58.6695% | 3,330 |
| Assets per employee ($millions) | 6.1279% | 2,636 |
| Cash dividends to net income (ytd only)* | 1.7217% | 3,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8665% | 4,142 |
| Loan loss allowance to noncurrent loans | 148.6364% | 2,977 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 1,944 |
| Noncurrent loans to loans | 0.5830% | 1,681 |
| Net loans and leases to total assets | 46.9603% | 3,605 |
| Net loans and leases to deposits | 55.2593% | 3,488 |
| Net loans and leases to core deposits | 56.0743% | 3,613 |
| Total domestic deposits to total assets | 84.9817% | 3,276 |
| Equity capital to assets | 11.3390% | 1,578 |
| Core capital (leverage) ratio | 11.1394% | 1,485 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3097% | 719 |
| Memoranda: | ||
| Average total assets | $154,507,800 | 3,447 |
| Average earning assets | $129,432,800 | 3,582 |
| Average equity | $16,985,200 | 3,463 |
| Average total loans | $76,222,200 | 3,537 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0743% | 1,362 |
| Cost of funding earning assets | 0.5789% | 710 |
| Net interest margin | 3.4955% | 1,872 |
| Noninterest income to average assets | 0.5175% | 2,549 |
| Noninterest expense to average assets | 2.1282% | 3,282 |
| Loan and lease loss provision to assets | 0.0548% | 1,889 |
| Net operating income to assets | 0.8879% | 3,284 |
| Return on assets (ROA) | 0.9106% | 3,287 |
| Pretax return on assets | 1.2254% | 2,848 |
| Return on Equity (ROE) | 8.3516% | 3,297 |
| Retained earnings to average equity (ytd only) | 8.0644% | 2,036 |
| Net charge-offs to loans | 0.0576% | 1,071 |
| Credit loss provision to net charge-offs | 190.9091% | 1,231 |
| Earnings coverage of net charge-offs (x) | 43.6061% | 1,311 |
| Efficiency ratio | 62.9696% | 2,537 |
| Assets per employee ($millions) | 6.2135% | 2,487 |
| Cash dividends to net income (ytd only)* | 3.4384% | 3,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7913% | 4,361 |
| Loan loss allowance to noncurrent loans | 129.1667% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3764% | 1,941 |
| Noncurrent loans to loans | 0.6126% | 1,778 |
| Net loans and leases to total assets | 48.1182% | 3,620 |
| Net loans and leases to deposits | 56.0919% | 3,571 |
| Net loans and leases to core deposits | 57.3423% | 3,673 |
| Total domestic deposits to total assets | 85.7846% | 2,834 |
| Equity capital to assets | 10.6388% | 2,330 |
| Core capital (leverage) ratio | 10.5409% | 2,024 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5425% | 1,040 |
| Memoranda: | ||
| Average total assets | $153,303,250 | 3,491 |
| Average earning assets | $125,530,750 | 3,657 |
| Average equity | $16,715,000 | 3,534 |
| Average total loans | $76,409,250 | 3,591 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2841% | 1,031 |
| Cost of funding earning assets | 0.6074% | 723 |
| Net interest margin | 3.6767% | 1,400 |
| Noninterest income to average assets | 0.5154% | 2,560 |
| Noninterest expense to average assets | 2.1627% | 3,205 |
| Loan and lease loss provision to assets | 0.0558% | 1,913 |
| Net operating income to assets | 0.9762% | 2,972 |
| Return on assets (ROA) | 1.0056% | 2,950 |
| Pretax return on assets | 1.3656% | 2,423 |
| Return on Equity (ROE) | 9.1438% | 3,053 |
| Retained earnings to average equity (ytd only) | 8.7090% | 1,815 |
| Net charge-offs to loans | 0.0871% | 808 |
| Credit loss provision to net charge-offs | 127.2727% | 1,229 |
| Earnings coverage of net charge-offs (x) | 31.5758% | 1,281 |
| Efficiency ratio | 60.9738% | 2,876 |
| Assets per employee ($millions) | 6.0617% | 2,552 |
| Cash dividends to net income (ytd only)* | 4.7556% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 4,426 |
| Loan loss allowance to noncurrent loans | 156.8063% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3236% | 2,303 |
| Noncurrent loans to loans | 0.4889% | 2,217 |
| Net loans and leases to total assets | 49.1977% | 3,634 |
| Net loans and leases to deposits | 57.4888% | 3,600 |
| Net loans and leases to core deposits | 58.8019% | 3,702 |
| Total domestic deposits to total assets | 85.5779% | 2,880 |
| Equity capital to assets | 10.7262% | 2,208 |
| Core capital (leverage) ratio | 10.7283% | 1,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4191% | 1,243 |
| Memoranda: | ||
| Average total assets | $150,554,333 | 3,522 |
| Average earning assets | $124,132,667 | 3,688 |
| Average equity | $16,557,667 | 3,550 |
| Average total loans | $75,760,667 | 3,622 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 2,012 |
| Cost of funding earning assets | 0.6503% | 692 |
| Net interest margin | 3.1795% | 2,758 |
| Noninterest income to average assets | 0.4979% | 2,623 |
| Noninterest expense to average assets | 2.1384% | 3,307 |
| Loan and lease loss provision to assets | 0.0571% | 1,973 |
| Net operating income to assets | 0.7324% | 3,627 |
| Return on assets (ROA) | 0.7754% | 3,569 |
| Pretax return on assets | 1.0039% | 3,358 |
| Return on Equity (ROE) | 6.9580% | 3,617 |
| Retained earnings to average equity (ytd only) | 6.0791% | 2,863 |
| Net charge-offs to loans | 0.1126% | 625 |
| Credit loss provision to net charge-offs | 100.0000% | 1,107 |
| Earnings coverage of net charge-offs (x) | 17.6190% | 1,295 |
| Efficiency ratio | 67.9931% | 1,935 |
| Assets per employee ($millions) | 5.6586% | 2,960 |
| Cash dividends to net income (ytd only)* | 12.6316% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 4,426 |
| Loan loss allowance to noncurrent loans | 138.4977% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.3626% | 2,350 |
| Noncurrent loans to loans | 0.5702% | 2,149 |
| Net loans and leases to total assets | 48.5168% | 3,760 |
| Net loans and leases to deposits | 56.1562% | 3,778 |
| Net loans and leases to core deposits | 57.4626% | 3,876 |
| Total domestic deposits to total assets | 86.3963% | 2,577 |
| Equity capital to assets | 10.5772% | 2,190 |
| Core capital (leverage) ratio | 11.0215% | 1,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4463% | 1,004 |
| Memoranda: | ||
| Average total assets | $147,029,000 | 3,553 |
| Average earning assets | $122,409,000 | 3,714 |
| Average equity | $16,384,000 | 3,573 |
| Average total loans | $74,572,500 | 3,661 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2981% | 1,878 |
| Cost of funding earning assets | 0.7119% | 1,666 |
| Net interest margin | 3.5862% | 2,187 |
| Noninterest income to average assets | 0.5133% | 2,575 |
| Noninterest expense to average assets | 2.4388% | 3,021 |
| Loan and lease loss provision to assets | 0.1020% | 3,053 |
| Net operating income to assets | 0.9960% | 2,306 |
| Return on assets (ROA) | 1.0840% | 2,106 |
| Pretax return on assets | 1.2190% | 2,265 |
| Return on Equity (ROE) | 8.9111% | 2,436 |
| Retained earnings to average equity (ytd only) | 8.6981% | 854 |
| Net charge-offs to loans | -0.1039% | 4,821 |
| Credit loss provision to net charge-offs | -166.6667% | 3,779 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6166% | 2,426 |
| Assets per employee ($millions) | 5.2324% | 3,114 |
| Cash dividends to net income (ytd only)* | 2.3896% | 3,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 4,439 |
| Loan loss allowance to noncurrent loans | 53.8813% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 1,227 |
| Noncurrent loans to loans | 1.4712% | 910 |
| Net loans and leases to total assets | 52.2665% | 3,642 |
| Net loans and leases to deposits | 61.6222% | 3,634 |
| Net loans and leases to core deposits | 63.3336% | 3,744 |
| Total domestic deposits to total assets | 84.8177% | 2,829 |
| Equity capital to assets | 11.7557% | 1,700 |
| Core capital (leverage) ratio | 11.4061% | 1,527 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5770% | 966 |
| Memoranda: | ||
| Average total assets | $127,399,600 | 3,666 |
| Average earning assets | $111,816,800 | 3,738 |
| Average equity | $15,497,600 | 3,610 |
| Average total loans | $75,088,400 | 3,646 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3353% | 2,003 |
| Cost of funding earning assets | 0.7173% | 1,921 |
| Net interest margin | 3.6181% | 2,211 |
| Noninterest income to average assets | 0.5336% | 2,456 |
| Noninterest expense to average assets | 2.4196% | 3,082 |
| Loan and lease loss provision to assets | 0.0968% | 3,113 |
| Net operating income to assets | 0.9094% | 2,656 |
| Return on assets (ROA) | 0.9833% | 2,532 |
| Pretax return on assets | 1.3125% | 2,000 |
| Return on Equity (ROE) | 8.0068% | 2,806 |
| Retained earnings to average equity (ytd only) | 7.7177% | 1,408 |
| Net charge-offs to loans | -0.1524% | 4,889 |
| Credit loss provision to net charge-offs | -104.6512% | 3,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7753% | 2,629 |
| Assets per employee ($millions) | 5.4265% | 2,773 |
| Cash dividends to net income (ytd only)* | 3.6105% | 3,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7548% | 4,473 |
| Loan loss allowance to noncurrent loans | 59.8712% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 0.8986% | 1,279 |
| Noncurrent loans to loans | 1.2608% | 1,185 |
| Net loans and leases to total assets | 54.0800% | 3,797 |
| Net loans and leases to deposits | 63.9757% | 3,795 |
| Net loans and leases to core deposits | 66.1229% | 3,884 |
| Total domestic deposits to total assets | 84.5321% | 2,616 |
| Equity capital to assets | 11.8095% | 1,792 |
| Core capital (leverage) ratio | 11.4856% | 1,592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3106% | 1,004 |
| Memoranda: | ||
| Average total assets | $123,930,500 | 3,693 |
| Average earning assets | $109,669,500 | 3,760 |
| Average equity | $15,220,000 | 3,635 |
| Average total loans | $75,253,000 | 3,657 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4178% | 2,163 |
| Cost of funding earning assets | 0.7348% | 2,206 |
| Net interest margin | 3.6831% | 2,232 |
| Noninterest income to average assets | 0.5199% | 2,493 |
| Noninterest expense to average assets | 2.4563% | 3,084 |
| Loan and lease loss provision to assets | 0.1000% | 3,024 |
| Net operating income to assets | 0.9438% | 2,522 |
| Return on assets (ROA) | 0.9648% | 2,573 |
| Pretax return on assets | 1.2898% | 2,067 |
| Return on Equity (ROE) | 7.7443% | 2,849 |
| Retained earnings to average equity (ytd only) | 7.3029% | 1,535 |
| Net charge-offs to loans | -0.2431% | 4,961 |
| Credit loss provision to net charge-offs | -65.2174% | 3,377 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3106% | 2,780 |
| Assets per employee ($millions) | 4.8345% | 3,381 |
| Cash dividends to net income (ytd only)* | 5.6995% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6979% | 4,568 |
| Loan loss allowance to noncurrent loans | 43.8424% | 4,160 |
| Noncurrent assets plus other real estate owned to assets | 1.1568% | 956 |
| Noncurrent loans to loans | 1.5918% | 932 |
| Net loans and leases to total assets | 58.2087% | 3,495 |
| Net loans and leases to deposits | 69.1604% | 3,485 |
| Net loans and leases to core deposits | 71.4100% | 3,623 |
| Total domestic deposits to total assets | 84.1648% | 2,698 |
| Equity capital to assets | 12.0154% | 1,648 |
| Core capital (leverage) ratio | 12.2372% | 1,281 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0397% | 1,051 |
| Memoranda: | ||
| Average total assets | $120,020,000 | 3,720 |
| Average earning assets | $107,519,000 | 3,780 |
| Average equity | $14,953,000 | 3,657 |
| Average total loans | $75,696,000 | 3,654 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 1,991 |
| Cost of funding earning assets | 0.7823% | 2,493 |
| Net interest margin | 3.8198% | 1,902 |
| Noninterest income to average assets | 0.5507% | 2,279 |
| Noninterest expense to average assets | 2.5374% | 3,167 |
| Loan and lease loss provision to assets | 0.1046% | 2,376 |
| Net operating income to assets | 1.0487% | 2,008 |
| Return on assets (ROA) | 1.0735% | 2,028 |
| Pretax return on assets | 1.4290% | 1,483 |
| Return on Equity (ROE) | 8.4456% | 2,334 |
| Retained earnings to average equity (ytd only) | 7.5407% | 1,365 |
| Net charge-offs to loans | -0.4888% | 5,024 |
| Credit loss provision to net charge-offs | -32.6087% | 3,119 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8128% | 3,398 |
| Assets per employee ($millions) | 3.9955% | 3,924 |
| Cash dividends to net income (ytd only)* | 10.7143% | 2,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6598% | 4,670 |
| Loan loss allowance to noncurrent loans | 41.6185% | 4,225 |
| Noncurrent assets plus other real estate owned to assets | 1.3101% | 894 |
| Noncurrent loans to loans | 1.5854% | 992 |
| Net loans and leases to total assets | 65.4886% | 2,877 |
| Net loans and leases to deposits | 75.4269% | 3,128 |
| Net loans and leases to core deposits | 77.7023% | 3,370 |
| Total domestic deposits to total assets | 86.8239% | 1,637 |
| Equity capital to assets | 12.5245% | 1,714 |
| Core capital (leverage) ratio | 12.8796% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7959% | 1,011 |
| Memoranda: | ||
| Average total assets | $114,764,000 | 3,779 |
| Average earning assets | $104,823,500 | 3,805 |
| Average equity | $14,587,500 | 3,705 |
| Average total loans | $75,286,500 | 3,654 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6056% | 2,586 |
| Cost of funding earning assets | 0.7757% | 2,795 |
| Net interest margin | 3.8299% | 2,404 |
| Noninterest income to average assets | 0.6553% | 1,988 |
| Noninterest expense to average assets | 2.6774% | 2,949 |
| Loan and lease loss provision to assets | 0.1678% | 1,243 |
| Net operating income to assets | 0.9448% | 3,040 |
| Return on assets (ROA) | 0.9356% | 3,151 |
| Pretax return on assets | 1.2410% | 2,700 |
| Return on Equity (ROE) | 7.5124% | 3,363 |
| Retained earnings to average equity (ytd only) | 7.2759% | 1,268 |
| Net charge-offs to loans | 0.3842% | 506 |
| Credit loss provision to net charge-offs | 69.6296% | 2,918 |
| Earnings coverage of net charge-offs (x) | 5.8926% | 3,034 |
| Efficiency ratio | 65.3377% | 2,867 |
| Assets per employee ($millions) | 4.2096% | 3,626 |
| Cash dividends to net income (ytd only)* | 3.1489% | 3,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5149% | 4,874 |
| Loan loss allowance to noncurrent loans | 74.3191% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 0.7848% | 1,646 |
| Noncurrent loans to loans | 0.6928% | 2,150 |
| Net loans and leases to total assets | 64.9363% | 3,079 |
| Net loans and leases to deposits | 75.1459% | 3,247 |
| Net loans and leases to core deposits | 77.4582% | 3,484 |
| Total domestic deposits to total assets | 86.4137% | 1,881 |
| Equity capital to assets | 12.9009% | 1,581 |
| Core capital (leverage) ratio | 12.5650% | 1,451 |
| Tier 1 risk-based capital ratio | 18.1734% | 1,722 |
| Total risk-based capital ratio | 18.6500% | 1,879 |
| Memoranda: | ||
| Average total assets | $112,010,800 | 3,805 |
| Average earning assets | $100,680,800 | 3,859 |
| Average equity | $13,950,200 | 3,759 |
| Average total loans | $70,267,400 | 3,774 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5847% | 2,775 |
| Cost of funding earning assets | 0.7579% | 2,929 |
| Net interest margin | 3.8269% | 2,511 |
| Noninterest income to average assets | 0.7025% | 1,772 |
| Noninterest expense to average assets | 2.6344% | 3,059 |
| Loan and lease loss provision to assets | 0.1947% | 910 |
| Net operating income to assets | 0.9634% | 3,108 |
| Return on assets (ROA) | 0.9606% | 3,204 |
| Pretax return on assets | 1.2843% | 2,716 |
| Return on Equity (ROE) | 7.7837% | 3,397 |
| Retained earnings to average equity (ytd only) | 7.4642% | 1,643 |
| Net charge-offs to loans | 0.5465% | 304 |
| Credit loss provision to net charge-offs | 57.3944% | 2,733 |
| Earnings coverage of net charge-offs (x) | 4.3697% | 3,018 |
| Efficiency ratio | 63.9872% | 3,008 |
| Assets per employee ($millions) | 4.1837% | 3,643 |
| Cash dividends to net income (ytd only)* | 4.1046% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4716% | 5,006 |
| Loan loss allowance to noncurrent loans | 108.8889% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 0.7504% | 1,827 |
| Noncurrent loans to loans | 0.4331% | 3,009 |
| Net loans and leases to total assets | 61.7923% | 3,513 |
| Net loans and leases to deposits | 70.9841% | 3,692 |
| Net loans and leases to core deposits | 74.0272% | 3,828 |
| Total domestic deposits to total assets | 87.0510% | 1,487 |
| Equity capital to assets | 12.3523% | 2,006 |
| Core capital (leverage) ratio | 12.5657% | 1,540 |
| Tier 1 risk-based capital ratio | 18.3115% | 1,729 |
| Total risk-based capital ratio | 18.7500% | 1,915 |
| Memoranda: | ||
| Average total assets | $111,598,750 | 3,853 |
| Average earning assets | $99,574,250 | 3,910 |
| Average equity | $13,772,000 | 3,819 |
| Average total loans | $69,287,250 | 3,830 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 3,402 |
| Cost of funding earning assets | 0.7169% | 3,072 |
| Net interest margin | 3.6574% | 3,081 |
| Noninterest income to average assets | 0.7964% | 1,361 |
| Noninterest expense to average assets | 2.6387% | 3,089 |
| Loan and lease loss provision to assets | 0.2497% | 615 |
| Net operating income to assets | 0.9022% | 3,270 |
| Return on assets (ROA) | 0.8893% | 3,390 |
| Pretax return on assets | 1.1736% | 3,004 |
| Return on Equity (ROE) | 7.2086% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.7212% | 1,938 |
| Net charge-offs to loans | 0.4872% | 323 |
| Credit loss provision to net charge-offs | 82.5301% | 2,202 |
| Earnings coverage of net charge-offs (x) | 4.7590% | 2,713 |
| Efficiency ratio | 64.7006% | 3,018 |
| Assets per employee ($millions) | 3.8418% | 4,072 |
| Cash dividends to net income (ytd only)* | 6.7623% | 3,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6132% | 4,848 |
| Loan loss allowance to noncurrent loans | 64.3491% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.8895% | 1,574 |
| Noncurrent loans to loans | 0.9529% | 1,713 |
| Net loans and leases to total assets | 63.2822% | 3,420 |
| Net loans and leases to deposits | 72.9017% | 3,609 |
| Net loans and leases to core deposits | 76.1859% | 3,711 |
| Total domestic deposits to total assets | 86.8048% | 1,681 |
| Equity capital to assets | 12.6468% | 1,779 |
| Core capital (leverage) ratio | 12.6336% | 1,468 |
| Tier 1 risk-based capital ratio | 18.7234% | 1,615 |
| Total risk-based capital ratio | 19.3049% | 1,749 |
| Memoranda: | ||
| Average total assets | $109,750,330 | 3,900 |
| Average earning assets | $98,484,330 | 3,959 |
| Average equity | $13,539,330 | 3,858 |
| Average total loans | $68,140,000 | 3,873 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 3,802 |
| Cost of funding earning assets | 0.6646% | 3,237 |
| Net interest margin | 3.5571% | 3,412 |
| Noninterest income to average assets | 1.1311% | 632 |
| Noninterest expense to average assets | 2.6662% | 3,013 |
| Loan and lease loss provision to assets | 0.4113% | 278 |
| Net operating income to assets | 0.9746% | 2,953 |
| Return on assets (ROA) | 0.9659% | 3,027 |
| Pretax return on assets | 1.2266% | 2,710 |
| Return on Equity (ROE) | 7.9312% | 3,294 |
| Retained earnings to average equity (ytd only) | 6.9361% | 2,071 |
| Net charge-offs to loans | -0.0120% | 4,294 |
| Credit loss provision to net charge-offs | -5,600.0000% | 4,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7872% | 3,568 |
| Assets per employee ($millions) | 4.1125% | 3,747 |
| Cash dividends to net income (ytd only)* | 12.5475% | 2,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,350 |
| Loan loss allowance to noncurrent loans | 59.8964% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 0.9871% | 1,416 |
| Noncurrent loans to loans | 1.4173% | 1,143 |
| Net loans and leases to total assets | 60.8005% | 3,628 |
| Net loans and leases to deposits | 69.6485% | 3,790 |
| Net loans and leases to core deposits | 72.7607% | 3,889 |
| Total domestic deposits to total assets | 87.2961% | 1,665 |
| Equity capital to assets | 12.2275% | 1,893 |
| Core capital (leverage) ratio | 12.9218% | 1,310 |
| Tier 1 risk-based capital ratio | 18.8676% | 1,572 |
| Total risk-based capital ratio | 19.6588% | 1,629 |
| Memoranda: | ||
| Average total assets | $108,919,500 | 3,953 |
| Average earning assets | $97,496,500 | 4,020 |
| Average equity | $13,264,000 | 3,911 |
| Average total loans | $66,740,500 | 3,950 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1708% | 3,524 |
| Cost of funding earning assets | 0.4301% | 3,801 |
| Net interest margin | 3.7407% | 2,898 |
| Noninterest income to average assets | 0.4949% | 2,856 |
| Noninterest expense to average assets | 2.6456% | 3,193 |
| Loan and lease loss provision to assets | 0.0935% | 2,281 |
| Net operating income to assets | 0.8923% | 3,463 |
| Return on assets (ROA) | 0.8878% | 3,469 |
| Pretax return on assets | 1.1104% | 3,229 |
| Return on Equity (ROE) | 7.6876% | 3,576 |
| Retained earnings to average equity (ytd only) | 7.4446% | 1,482 |
| Net charge-offs to loans | 0.0496% | 2,446 |
| Credit loss provision to net charge-offs | 312.5000% | 997 |
| Earnings coverage of net charge-offs (x) | 40.4063% | 1,291 |
| Efficiency ratio | 68.6241% | 2,448 |
| Assets per employee ($millions) | 3.9556% | 3,954 |
| Cash dividends to net income (ytd only)* | 3.1612% | 3,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7096% | 4,788 |
| Loan loss allowance to noncurrent loans | 49.1005% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0075% | 1,361 |
| Noncurrent loans to loans | 1.4451% | 1,069 |
| Net loans and leases to total assets | 60.7929% | 3,687 |
| Net loans and leases to deposits | 69.5138% | 3,864 |
| Net loans and leases to core deposits | 72.2410% | 3,976 |
| Total domestic deposits to total assets | 87.4544% | 1,561 |
| Equity capital to assets | 12.1262% | 1,799 |
| Core capital (leverage) ratio | 12.7620% | 1,335 |
| Tier 1 risk-based capital ratio | 19.4420% | 1,417 |
| Total risk-based capital ratio | 20.1076% | 1,507 |
| Memoranda: | ||
| Average total assets | $106,896,400 | 3,989 |
| Average earning assets | $96,023,600 | 4,033 |
| Average equity | $12,344,600 | 3,983 |
| Average total loans | $64,459,000 | 3,994 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1319% | 3,526 |
| Cost of funding earning assets | 0.4060% | 3,817 |
| Net interest margin | 3.7259% | 2,907 |
| Noninterest income to average assets | 0.4976% | 2,885 |
| Noninterest expense to average assets | 2.6649% | 3,084 |
| Loan and lease loss provision to assets | 0.0786% | 2,383 |
| Net operating income to assets | 0.8095% | 3,872 |
| Return on assets (ROA) | 0.8056% | 3,886 |
| Pretax return on assets | 1.0911% | 3,434 |
| Return on Equity (ROE) | 7.0640% | 3,914 |
| Retained earnings to average equity (ytd only) | 6.7359% | 2,269 |
| Net charge-offs to loans | 0.0664% | 1,883 |
| Credit loss provision to net charge-offs | 196.8750% | 1,397 |
| Earnings coverage of net charge-offs (x) | 29.4345% | 1,630 |
| Efficiency ratio | 69.4057% | 2,286 |
| Assets per employee ($millions) | 3.9180% | 4,020 |
| Cash dividends to net income (ytd only)* | 4.6441% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6756% | 4,922 |
| Loan loss allowance to noncurrent loans | 44.3856% | 4,505 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 1,419 |
| Noncurrent loans to loans | 1.5222% | 1,063 |
| Net loans and leases to total assets | 58.2279% | 4,016 |
| Net loans and leases to deposits | 66.2383% | 4,183 |
| Net loans and leases to core deposits | 67.3390% | 4,329 |
| Total domestic deposits to total assets | 87.9067% | 1,278 |
| Equity capital to assets | 11.6131% | 2,166 |
| Core capital (leverage) ratio | 12.7775% | 1,378 |
| Tier 1 risk-based capital ratio | 19.7000% | 1,400 |
| Total risk-based capital ratio | 20.3229% | 1,490 |
| Memoranda: | ||
| Average total assets | $106,920,000 | 4,027 |
| Average earning assets | $95,902,750 | 4,079 |
| Average equity | $12,193,000 | 4,037 |
| Average total loans | $64,225,750 | 4,042 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0895% | 3,490 |
| Cost of funding earning assets | 0.3935% | 3,768 |
| Net interest margin | 3.6960% | 2,941 |
| Noninterest income to average assets | 0.5014% | 2,862 |
| Noninterest expense to average assets | 2.6412% | 3,188 |
| Loan and lease loss provision to assets | 0.0746% | 2,396 |
| Net operating income to assets | 0.8343% | 3,738 |
| Return on assets (ROA) | 0.8313% | 3,751 |
| Pretax return on assets | 1.1258% | 3,207 |
| Return on Equity (ROE) | 7.3341% | 3,784 |
| Retained earnings to average equity (ytd only) | 6.8408% | 2,148 |
| Net charge-offs to loans | 0.0893% | 1,454 |
| Credit loss provision to net charge-offs | 137.9310% | 1,659 |
| Earnings coverage of net charge-offs (x) | 22.2759% | 1,748 |
| Efficiency ratio | 68.6864% | 2,532 |
| Assets per employee ($millions) | 4.0013% | 3,896 |
| Cash dividends to net income (ytd only)* | 6.7265% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6308% | 5,053 |
| Loan loss allowance to noncurrent loans | 103.8265% | 3,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4915% | 2,790 |
| Noncurrent loans to loans | 0.6076% | 2,591 |
| Net loans and leases to total assets | 59.3423% | 3,866 |
| Net loans and leases to deposits | 67.2961% | 4,073 |
| Net loans and leases to core deposits | 67.9135% | 4,257 |
| Total domestic deposits to total assets | 88.1808% | 1,283 |
| Equity capital to assets | 11.3277% | 2,336 |
| Core capital (leverage) ratio | 12.0558% | 1,676 |
| Tier 1 risk-based capital ratio | 18.6869% | 1,626 |
| Total risk-based capital ratio | 19.2697% | 1,758 |
| Memoranda: | ||
| Average total assets | $107,298,000 | 4,062 |
| Average earning assets | $97,079,000 | 4,093 |
| Average equity | $12,162,330 | 4,064 |
| Average total loans | $64,962,330 | 4,048 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0629% | 3,361 |
| Cost of funding earning assets | 0.3637% | 3,888 |
| Net interest margin | 3.6992% | 2,801 |
| Noninterest income to average assets | 0.4676% | 3,011 |
| Noninterest expense to average assets | 2.5924% | 3,355 |
| Loan and lease loss provision to assets | 0.0636% | 2,501 |
| Net operating income to assets | 0.8634% | 3,439 |
| Return on assets (ROA) | 0.8043% | 3,694 |
| Pretax return on assets | 1.0848% | 3,227 |
| Return on Equity (ROE) | 7.0931% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.1033% | 2,661 |
| Net charge-offs to loans | 0.1780% | 824 |
| Credit loss provision to net charge-offs | 58.6207% | 1,894 |
| Earnings coverage of net charge-offs (x) | 11.2759% | 1,853 |
| Efficiency ratio | 67.9412% | 2,836 |
| Assets per employee ($millions) | 3.8635% | 4,197 |
| Cash dividends to net income (ytd only)* | 13.9535% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5901% | 5,201 |
| Loan loss allowance to noncurrent loans | 834.7826% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.1719% | 4,224 |
| Noncurrent loans to loans | 0.0707% | 4,664 |
| Net loans and leases to total assets | 59.7974% | 3,767 |
| Net loans and leases to deposits | 67.6890% | 3,970 |
| Net loans and leases to core deposits | 67.8772% | 4,224 |
| Total domestic deposits to total assets | 88.3413% | 1,432 |
| Equity capital to assets | 11.0920% | 2,492 |
| Core capital (leverage) ratio | 12.0940% | 1,595 |
| Tier 1 risk-based capital ratio | 17.8647% | 1,873 |
| Total risk-based capital ratio | 18.3999% | 2,030 |
| Memoranda: | ||
| Average total assets | $106,929,000 | 4,105 |
| Average earning assets | $96,777,500 | 4,147 |
| Average equity | $12,124,500 | 4,104 |
| Average total loans | $65,184,500 | 4,073 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 3,267 |
| Cost of funding earning assets | 0.3606% | 3,611 |
| Net interest margin | 3.6815% | 2,874 |
| Noninterest income to average assets | 0.4675% | 3,210 |
| Noninterest expense to average assets | 2.4924% | 3,809 |
| Loan and lease loss provision to assets | 0.0964% | 2,283 |
| Net operating income to assets | 0.8708% | 2,859 |
| Return on assets (ROA) | 0.9041% | 2,714 |
| Pretax return on assets | 1.3021% | 2,339 |
| Return on Equity (ROE) | 7.8604% | 2,859 |
| Retained earnings to average equity (ytd only) | 7.6090% | 890 |
| Net charge-offs to loans | 0.1308% | 1,746 |
| Credit loss provision to net charge-offs | 117.6471% | 2,222 |
| Earnings coverage of net charge-offs (x) | 16.4824% | 2,177 |
| Efficiency ratio | 64.8608% | 3,471 |
| Assets per employee ($millions) | 3.7743% | 4,321 |
| Cash dividends to net income (ytd only)* | 3.1983% | 4,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6065% | 5,232 |
| Loan loss allowance to noncurrent loans | 501.2658% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 4,263 |
| Noncurrent loans to loans | 0.1210% | 4,440 |
| Net loans and leases to total assets | 61.4131% | 3,690 |
| Net loans and leases to deposits | 70.1985% | 3,852 |
| Net loans and leases to core deposits | 70.4003% | 4,147 |
| Total domestic deposits to total assets | 87.4850% | 1,768 |
| Equity capital to assets | 11.5915% | 2,118 |
| Core capital (leverage) ratio | 11.8952% | 1,667 |
| Tier 1 risk-based capital ratio | 20.8166% | 1,175 |
| Total risk-based capital ratio | 21.4691% | 1,242 |
| Memoranda: | ||
| Average total assets | $103,753,400 | 4,171 |
| Average earning assets | $95,125,000 | 4,177 |
| Average equity | $11,933,200 | 4,149 |
| Average total loans | $65,006,600 | 4,073 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0358% | 3,226 |
| Cost of funding earning assets | 0.3595% | 3,576 |
| Net interest margin | 3.6763% | 2,838 |
| Noninterest income to average assets | 0.4764% | 3,172 |
| Noninterest expense to average assets | 2.4543% | 3,873 |
| Loan and lease loss provision to assets | 0.0581% | 2,922 |
| Net operating income to assets | 0.8285% | 3,398 |
| Return on assets (ROA) | 0.8715% | 3,217 |
| Pretax return on assets | 1.3982% | 2,124 |
| Return on Equity (ROE) | 7.5922% | 3,348 |
| Retained earnings to average equity (ytd only) | 7.2548% | 1,565 |
| Net charge-offs to loans | 0.1232% | 1,553 |
| Credit loss provision to net charge-offs | 75.0000% | 2,646 |
| Earnings coverage of net charge-offs (x) | 17.9329% | 2,083 |
| Efficiency ratio | 63.8562% | 3,574 |
| Assets per employee ($millions) | 4.4696% | 3,203 |
| Cash dividends to net income (ytd only)* | 4.4445% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5629% | 5,387 |
| Loan loss allowance to noncurrent loans | 321.0526% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.1324% | 4,586 |
| Noncurrent loans to loans | 0.1753% | 4,368 |
| Net loans and leases to total assets | 60.2685% | 3,829 |
| Net loans and leases to deposits | 68.4707% | 4,081 |
| Net loans and leases to core deposits | 68.6626% | 4,322 |
| Total domestic deposits to total assets | 88.0209% | 1,351 |
| Equity capital to assets | 11.4170% | 2,450 |
| Core capital (leverage) ratio | 11.8683% | 1,773 |
| Tier 1 risk-based capital ratio | 16.5791% | 2,297 |
| Total risk-based capital ratio | 17.0696% | 2,517 |
| Memoranda: | ||
| Average total assets | $103,271,500 | 4,222 |
| Average earning assets | $94,584,500 | 4,228 |
| Average equity | $11,854,000 | 4,203 |
| Average total loans | $64,933,750 | 4,103 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 3,127 |
| Cost of funding earning assets | 0.3586% | 3,498 |
| Net interest margin | 3.6641% | 2,776 |
| Noninterest income to average assets | 0.4826% | 3,131 |
| Noninterest expense to average assets | 2.4564% | 3,901 |
| Loan and lease loss provision to assets | 0.0589% | 2,791 |
| Net operating income to assets | 0.8488% | 3,158 |
| Return on assets (ROA) | 0.9104% | 2,911 |
| Pretax return on assets | 1.4519% | 1,814 |
| Return on Equity (ROE) | 7.9161% | 3,076 |
| Retained earnings to average equity (ytd only) | 7.4042% | 1,393 |
| Net charge-offs to loans | 0.1263% | 1,405 |
| Credit loss provision to net charge-offs | 73.1707% | 2,346 |
| Earnings coverage of net charge-offs (x) | 17.5854% | 1,917 |
| Efficiency ratio | 63.4567% | 3,770 |
| Assets per employee ($millions) | 4.2735% | 3,481 |
| Cash dividends to net income (ytd only)* | 6.4655% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5656% | 5,432 |
| Loan loss allowance to noncurrent loans | 804.3478% | 679 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 4,985 |
| Noncurrent loans to loans | 0.0703% | 4,847 |
| Net loans and leases to total assets | 63.4254% | 3,463 |
| Net loans and leases to deposits | 72.3408% | 3,705 |
| Net loans and leases to core deposits | 72.5530% | 4,051 |
| Total domestic deposits to total assets | 87.6759% | 1,630 |
| Equity capital to assets | 11.7879% | 2,084 |
| Core capital (leverage) ratio | 11.8403% | 1,739 |
| Tier 1 risk-based capital ratio | 16.5157% | 2,317 |
| Total risk-based capital ratio | 17.0182% | 2,531 |
| Memoranda: | ||
| Average total assets | $101,938,670 | 4,272 |
| Average earning assets | $94,265,000 | 4,261 |
| Average equity | $11,723,000 | 4,236 |
| Average total loans | $64,906,330 | 4,125 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9887% | 3,081 |
| Cost of funding earning assets | 0.3576% | 3,450 |
| Net interest margin | 3.6311% | 2,774 |
| Noninterest income to average assets | 0.4605% | 3,250 |
| Noninterest expense to average assets | 2.4521% | 3,957 |
| Loan and lease loss provision to assets | 0.0590% | 2,629 |
| Net operating income to assets | 0.8425% | 3,028 |
| Return on assets (ROA) | 0.8777% | 2,921 |
| Pretax return on assets | 1.3618% | 2,022 |
| Return on Equity (ROE) | 7.7300% | 3,052 |
| Retained earnings to average equity (ytd only) | 6.6901% | 1,986 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2268% | 3,796 |
| Assets per employee ($millions) | 4.4534% | 3,248 |
| Cash dividends to net income (ytd only)* | 13.4529% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6073% | 5,463 |
| Loan loss allowance to noncurrent loans | 860.8696% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.0566% | 5,069 |
| Noncurrent loans to loans | 0.0705% | 4,919 |
| Net loans and leases to total assets | 63.2766% | 3,364 |
| Net loans and leases to deposits | 71.8500% | 3,619 |
| Net loans and leases to core deposits | 72.0593% | 3,979 |
| Total domestic deposits to total assets | 88.0677% | 1,682 |
| Equity capital to assets | 11.4188% | 2,241 |
| Core capital (leverage) ratio | 11.8521% | 1,718 |
| Tier 1 risk-based capital ratio | 16.7840% | 2,251 |
| Total risk-based capital ratio | 17.3417% | 2,463 |
| Memoranda: | ||
| Average total assets | $101,626,500 | 4,321 |
| Average earning assets | $93,965,500 | 4,310 |
| Average equity | $11,539,500 | 4,299 |
| Average total loans | $64,649,000 | 4,165 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9322% | 3,452 |
| Cost of funding earning assets | 0.3759% | 3,249 |
| Net interest margin | 3.5563% | 3,228 |
| Noninterest income to average assets | 0.4762% | 3,370 |
| Noninterest expense to average assets | 2.2657% | 4,622 |
| Loan and lease loss provision to assets | 0.0657% | 3,048 |
| Net operating income to assets | 1.0119% | 2,303 |
| Return on assets (ROA) | 1.0505% | 2,242 |
| Pretax return on assets | 1.4876% | 1,623 |
| Return on Equity (ROE) | 9.7550% | 2,078 |
| Retained earnings to average equity (ytd only) | 9.5162% | 496 |
| Net charge-offs to loans | 0.1019% | 2,257 |
| Credit loss provision to net charge-offs | 109.5238% | 2,397 |
| Earnings coverage of net charge-offs (x) | 24.9841% | 1,605 |
| Efficiency ratio | 60.1821% | 4,552 |
| Assets per employee ($millions) | 4.3837% | 3,301 |
| Cash dividends to net income (ytd only)* | 2.4479% | 4,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5945% | 5,546 |
| Loan loss allowance to noncurrent loans | 762.0000% | 750 |
| Noncurrent assets plus other real estate owned to assets | 0.0625% | 5,081 |
| Noncurrent loans to loans | 0.0780% | 4,925 |
| Net loans and leases to total assets | 63.1867% | 3,451 |
| Net loans and leases to deposits | 71.6658% | 3,745 |
| Net loans and leases to core deposits | 71.8768% | 4,092 |
| Total domestic deposits to total assets | 88.1686% | 1,551 |
| Equity capital to assets | 11.2899% | 2,335 |
| Core capital (leverage) ratio | 11.1299% | 2,228 |
| Tier 1 risk-based capital ratio | 16.0544% | 2,519 |
| Total risk-based capital ratio | 16.5761% | 2,763 |
| Memoranda: | ||
| Average total assets | $104,998,800 | 4,256 |
| Average earning assets | $97,095,400 | 4,253 |
| Average equity | $11,307,000 | 4,376 |
| Average total loans | $61,795,600 | 4,236 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 3,654 |
| Cost of funding earning assets | 0.3770% | 3,259 |
| Net interest margin | 3.5033% | 3,452 |
| Noninterest income to average assets | 0.4363% | 3,654 |
| Noninterest expense to average assets | 2.2167% | 4,730 |
| Loan and lease loss provision to assets | 0.0453% | 3,336 |
| Net operating income to assets | 0.9047% | 2,880 |
| Return on assets (ROA) | 0.9304% | 2,876 |
| Pretax return on assets | 1.4510% | 1,876 |
| Return on Equity (ROE) | 8.7406% | 2,635 |
| Retained earnings to average equity (ytd only) | 8.4217% | 1,009 |
| Net charge-offs to loans | 0.1459% | 1,536 |
| Credit loss provision to net charge-offs | 53.7313% | 2,984 |
| Earnings coverage of net charge-offs (x) | 17.2838% | 2,060 |
| Efficiency ratio | 60.3560% | 4,489 |
| Assets per employee ($millions) | 4.5285% | 3,044 |
| Cash dividends to net income (ytd only)* | 3.6487% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5457% | 5,677 |
| Loan loss allowance to noncurrent loans | 2,646.1538% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0902% | 5,082 |
| Noncurrent loans to loans | 0.0206% | 5,307 |
| Net loans and leases to total assets | 57.6907% | 4,126 |
| Net loans and leases to deposits | 65.1158% | 4,415 |
| Net loans and leases to core deposits | 65.2928% | 4,650 |
| Total domestic deposits to total assets | 88.5971% | 1,108 |
| Equity capital to assets | 10.7340% | 3,329 |
| Core capital (leverage) ratio | 10.6016% | 2,873 |
| Tier 1 risk-based capital ratio | 15.9698% | 2,637 |
| Total risk-based capital ratio | 16.4533% | 2,894 |
| Memoranda: | ||
| Average total assets | $106,042,250 | 4,278 |
| Average earning assets | $97,961,500 | 4,273 |
| Average equity | $11,288,000 | 4,416 |
| Average total loans | $61,222,250 | 4,284 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8188% | 3,889 |
| Cost of funding earning assets | 0.3776% | 3,275 |
| Net interest margin | 3.4412% | 3,720 |
| Noninterest income to average assets | 0.4393% | 3,599 |
| Noninterest expense to average assets | 2.2346% | 4,768 |
| Loan and lease loss provision to assets | 0.0456% | 3,237 |
| Net operating income to assets | 0.8775% | 2,979 |
| Return on assets (ROA) | 0.8824% | 3,074 |
| Pretax return on assets | 1.3560% | 2,186 |
| Return on Equity (ROE) | 8.3139% | 2,827 |
| Retained earnings to average equity (ytd only) | 7.8301% | 1,229 |
| Net charge-offs to loans | 0.4916% | 446 |
| Credit loss provision to net charge-offs | 16.1074% | 2,962 |
| Earnings coverage of net charge-offs (x) | 4.9195% | 2,923 |
| Efficiency ratio | 61.5828% | 4,410 |
| Assets per employee ($millions) | 4.3555% | 3,290 |
| Cash dividends to net income (ytd only)* | 5.8190% | 3,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4095% | 5,871 |
| Loan loss allowance to noncurrent loans | 63.9386% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 0.4554% | 3,687 |
| Noncurrent loans to loans | 0.6405% | 3,157 |
| Net loans and leases to total assets | 58.1583% | 4,098 |
| Net loans and leases to deposits | 65.9142% | 4,357 |
| Net loans and leases to core deposits | 66.0998% | 4,604 |
| Total domestic deposits to total assets | 88.2333% | 1,304 |
| Equity capital to assets | 11.0426% | 3,016 |
| Core capital (leverage) ratio | 10.3929% | 3,085 |
| Tier 1 risk-based capital ratio | 15.5320% | 2,847 |
| Total risk-based capital ratio | 15.8822% | 3,178 |
| Memoranda: | ||
| Average total assets | $105,162,000 | 4,331 |
| Average earning assets | $97,464,670 | 4,315 |
| Average equity | $11,162,000 | 4,466 |
| Average total loans | $60,615,000 | 4,322 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8258% | 3,855 |
| Cost of funding earning assets | 0.3797% | 3,299 |
| Net interest margin | 3.4461% | 3,684 |
| Noninterest income to average assets | 0.4096% | 3,755 |
| Noninterest expense to average assets | 2.2375% | 4,811 |
| Loan and lease loss provision to assets | 0.0455% | 3,011 |
| Net operating income to assets | 0.8558% | 2,968 |
| Return on assets (ROA) | 0.8609% | 3,059 |
| Pretax return on assets | 1.3008% | 2,302 |
| Return on Equity (ROE) | 8.2760% | 2,771 |
| Retained earnings to average equity (ytd only) | 7.2916% | 1,752 |
| Net charge-offs to loans | 0.9867% | 191 |
| Credit loss provision to net charge-offs | 8.0537% | 2,372 |
| Earnings coverage of net charge-offs (x) | 2.3691% | 2,691 |
| Efficiency ratio | 62.5663% | 4,363 |
| Assets per employee ($millions) | 4.4392% | 3,183 |
| Cash dividends to net income (ytd only)* | 11.8943% | 2,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3933% | 5,957 |
| Loan loss allowance to noncurrent loans | 43.4307% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 0.5941% | 3,277 |
| Noncurrent loans to loans | 0.9057% | 2,590 |
| Net loans and leases to total assets | 56.5688% | 4,191 |
| Net loans and leases to deposits | 64.3343% | 4,411 |
| Net loans and leases to core deposits | 64.5126% | 4,657 |
| Total domestic deposits to total assets | 87.9295% | 1,682 |
| Equity capital to assets | 10.4439% | 3,563 |
| Core capital (leverage) ratio | 10.2988% | 3,197 |
| Tier 1 risk-based capital ratio | 15.0615% | 3,126 |
| Total risk-based capital ratio | 15.3919% | 3,526 |
| Memoranda: | ||
| Average total assets | $105,477,000 | 4,356 |
| Average earning assets | $96,920,500 | 4,363 |
| Average equity | $10,971,500 | 4,514 |
| Average total loans | $60,400,500 | 4,355 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8269% | 3,959 |
| Cost of funding earning assets | 0.3936% | 3,224 |
| Net interest margin | 3.4333% | 3,782 |
| Noninterest income to average assets | 0.4269% | 3,838 |
| Noninterest expense to average assets | 2.2179% | 5,015 |
| Loan and lease loss provision to assets | 0.0555% | 3,199 |
| Net operating income to assets | 0.9933% | 2,402 |
| Return on assets (ROA) | 1.0386% | 2,261 |
| Pretax return on assets | 1.4129% | 1,844 |
| Return on Equity (ROE) | 10.5759% | 1,766 |
| Retained earnings to average equity (ytd only) | 10.3127% | 421 |
| Net charge-offs to loans | 0.0489% | 3,222 |
| Credit loss provision to net charge-offs | 207.1429% | 1,353 |
| Earnings coverage of net charge-offs (x) | 52.5000% | 968 |
| Efficiency ratio | 61.1830% | 4,735 |
| Assets per employee ($millions) | 4.1765% | 3,616 |
| Cash dividends to net income (ytd only)* | 2.4885% | 4,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6220% | 5,769 |
| Loan loss allowance to noncurrent loans | 97.1503% | 3,743 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 3,708 |
| Noncurrent loans to loans | 0.6402% | 3,270 |
| Net loans and leases to total assets | 57.3865% | 4,160 |
| Net loans and leases to deposits | 65.1336% | 4,385 |
| Net loans and leases to core deposits | 65.5418% | 4,626 |
| Total domestic deposits to total assets | 88.1059% | 1,574 |
| Equity capital to assets | 10.3589% | 3,560 |
| Core capital (leverage) ratio | 10.3099% | 3,149 |
| Tier 1 risk-based capital ratio | 15.0713% | 3,143 |
| Total risk-based capital ratio | 15.6020% | 3,435 |
| Memoranda: | ||
| Average total assets | $104,467,000 | 4,371 |
| Average earning assets | $97,311,200 | 4,356 |
| Average equity | $10,259,200 | 4,607 |
| Average total loans | $57,298,400 | 4,453 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 4,125 |
| Cost of funding earning assets | 0.3974% | 3,250 |
| Net interest margin | 3.3910% | 4,000 |
| Noninterest income to average assets | 0.4186% | 3,942 |
| Noninterest expense to average assets | 2.2051% | 5,040 |
| Loan and lease loss provision to assets | 0.0459% | 3,287 |
| Net operating income to assets | 0.8848% | 3,019 |
| Return on assets (ROA) | 0.9277% | 2,904 |
| Pretax return on assets | 1.4012% | 2,009 |
| Return on Equity (ROE) | 9.5782% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.2224% | 820 |
| Net charge-offs to loans | 0.0967% | 2,185 |
| Credit loss provision to net charge-offs | 87.8049% | 2,502 |
| Earnings coverage of net charge-offs (x) | 26.4123% | 1,614 |
| Efficiency ratio | 61.4728% | 4,650 |
| Assets per employee ($millions) | 4.1676% | 3,587 |
| Cash dividends to net income (ytd only)* | 3.7140% | 3,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5861% | 5,919 |
| Loan loss allowance to noncurrent loans | 138.7755% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 4,393 |
| Noncurrent loans to loans | 0.4223% | 4,087 |
| Net loans and leases to total assets | 55.3561% | 4,419 |
| Net loans and leases to deposits | 61.9915% | 4,721 |
| Net loans and leases to core deposits | 62.1639% | 4,930 |
| Total domestic deposits to total assets | 89.2964% | 872 |
| Equity capital to assets | 10.0730% | 4,075 |
| Core capital (leverage) ratio | 9.8914% | 3,777 |
| Tier 1 risk-based capital ratio | 14.1691% | 3,749 |
| Total risk-based capital ratio | 14.6372% | 4,124 |
| Memoranda: | ||
| Average total assets | $104,480,500 | 4,414 |
| Average earning assets | $97,628,750 | 4,391 |
| Average equity | $10,120,000 | 4,695 |
| Average total loans | $56,549,500 | 4,526 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 4,150 |
| Cost of funding earning assets | 0.4041% | 3,234 |
| Net interest margin | 3.3716% | 4,009 |
| Noninterest income to average assets | 0.4074% | 4,033 |
| Noninterest expense to average assets | 2.1955% | 5,130 |
| Loan and lease loss provision to assets | 0.0459% | 3,199 |
| Net operating income to assets | 0.8801% | 2,986 |
| Return on assets (ROA) | 0.9218% | 2,903 |
| Pretax return on assets | 1.3884% | 2,027 |
| Return on Equity (ROE) | 9.6448% | 2,231 |
| Retained earnings to average equity (ytd only) | 9.1046% | 890 |
| Net charge-offs to loans | 0.0107% | 3,537 |
| Credit loss provision to net charge-offs | 800.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 292 |
| Efficiency ratio | 61.5550% | 4,746 |
| Assets per employee ($millions) | 4.2978% | 3,309 |
| Cash dividends to net income (ytd only)* | 5.6017% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6363% | 5,915 |
| Loan loss allowance to noncurrent loans | 157.0815% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 4,691 |
| Noncurrent loans to loans | 0.4051% | 4,267 |
| Net loans and leases to total assets | 55.4137% | 4,393 |
| Net loans and leases to deposits | 61.8067% | 4,718 |
| Net loans and leases to core deposits | 61.8067% | 4,954 |
| Total domestic deposits to total assets | 89.6564% | 811 |
| Equity capital to assets | 9.8007% | 4,278 |
| Core capital (leverage) ratio | 9.5431% | 4,220 |
| Tier 1 risk-based capital ratio | 15.2428% | 3,229 |
| Total risk-based capital ratio | 15.7981% | 3,534 |
| Memoranda: | ||
| Average total assets | $104,577,670 | 4,453 |
| Average earning assets | $97,996,000 | 4,423 |
| Average equity | $9,995,000 | 4,752 |
| Average total loans | $56,061,000 | 4,583 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7251% | 4,276 |
| Cost of funding earning assets | 0.4022% | 3,280 |
| Net interest margin | 3.3229% | 4,119 |
| Noninterest income to average assets | 0.3951% | 4,047 |
| Noninterest expense to average assets | 2.1464% | 5,283 |
| Loan and lease loss provision to assets | 0.0456% | 3,011 |
| Net operating income to assets | 0.8693% | 2,905 |
| Return on assets (ROA) | 0.9269% | 2,745 |
| Pretax return on assets | 1.3980% | 1,896 |
| Return on Equity (ROE) | 9.8209% | 2,084 |
| Retained earnings to average equity (ytd only) | 8.7342% | 1,293 |
| Net charge-offs to loans | -0.0072% | 4,608 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,015 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2798% | 4,921 |
| Assets per employee ($millions) | 4.3995% | 3,202 |
| Cash dividends to net income (ytd only)* | 11.0656% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6444% | 5,996 |
| Loan loss allowance to noncurrent loans | 161.9910% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 5,110 |
| Noncurrent loans to loans | 0.3978% | 4,397 |
| Net loans and leases to total assets | 52.2782% | 4,642 |
| Net loans and leases to deposits | 58.2895% | 4,892 |
| Net loans and leases to core deposits | 58.2895% | 5,101 |
| Total domestic deposits to total assets | 89.6872% | 910 |
| Equity capital to assets | 9.6110% | 4,622 |
| Core capital (leverage) ratio | 9.3668% | 4,476 |
| Tier 1 risk-based capital ratio | 14.7693% | 3,563 |
| Total risk-based capital ratio | 15.3083% | 3,893 |
| Memoranda: | ||
| Average total assets | $105,293,500 | 4,471 |
| Average earning assets | $98,467,500 | 4,445 |
| Average equity | $9,938,000 | 4,795 |
| Average total loans | $55,330,000 | 4,631 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8133% | 4,451 |
| Cost of funding earning assets | 0.4346% | 3,335 |
| Net interest margin | 3.3787% | 4,286 |
| Noninterest income to average assets | 0.4540% | 3,804 |
| Noninterest expense to average assets | 2.1943% | 5,367 |
| Loan and lease loss provision to assets | 0.0497% | 3,573 |
| Net operating income to assets | 0.9644% | 2,562 |
| Return on assets (ROA) | 1.0122% | 2,405 |
| Pretax return on assets | 1.3877% | 1,922 |
| Return on Equity (ROE) | 11.1715% | 1,670 |
| Retained earnings to average equity (ytd only) | 10.9084% | 387 |
| Net charge-offs to loans | 0.1278% | 2,749 |
| Credit loss provision to net charge-offs | 76.9231% | 2,926 |
| Earnings coverage of net charge-offs (x) | 21.2462% | 1,686 |
| Efficiency ratio | 61.5320% | 4,988 |
| Assets per employee ($millions) | 4.5652% | 2,930 |
| Cash dividends to net income (ytd only)* | 2.3553% | 4,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6261% | 6,106 |
| Loan loss allowance to noncurrent loans | 96.1003% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 4,510 |
| Noncurrent loans to loans | 0.6515% | 3,733 |
| Net loans and leases to total assets | 52.1505% | 4,770 |
| Net loans and leases to deposits | 57.7866% | 5,080 |
| Net loans and leases to core deposits | 57.7866% | 5,269 |
| Total domestic deposits to total assets | 90.2467% | 632 |
| Equity capital to assets | 9.2648% | 4,986 |
| Core capital (leverage) ratio | 9.1415% | 4,766 |
| Tier 1 risk-based capital ratio | 14.5285% | 3,759 |
| Total risk-based capital ratio | 15.0510% | 4,168 |
| Memoranda: | ||
| Average total assets | $100,669,000 | 4,584 |
| Average earning assets | $92,727,600 | 4,588 |
| Average equity | $9,121,400 | 4,947 |
| Average total loans | $50,870,800 | 4,787 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8215% | 4,463 |
| Cost of funding earning assets | 0.4402% | 3,366 |
| Net interest margin | 3.3813% | 4,307 |
| Noninterest income to average assets | 0.4539% | 3,868 |
| Noninterest expense to average assets | 2.1529% | 5,459 |
| Loan and lease loss provision to assets | 0.0522% | 3,331 |
| Net operating income to assets | 0.9106% | 2,862 |
| Return on assets (ROA) | 0.9251% | 2,888 |
| Pretax return on assets | 1.3656% | 2,139 |
| Return on Equity (ROE) | 10.2713% | 2,080 |
| Retained earnings to average equity (ytd only) | 9.9145% | 733 |
| Net charge-offs to loans | 0.0589% | 3,370 |
| Credit loss provision to net charge-offs | 177.2727% | 1,405 |
| Earnings coverage of net charge-offs (x) | 47.4132% | 1,011 |
| Efficiency ratio | 60.6564% | 5,098 |
| Assets per employee ($millions) | 4.7275% | 2,622 |
| Cash dividends to net income (ytd only)* | 3.4733% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 6,111 |
| Loan loss allowance to noncurrent loans | 72.6397% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 4,388 |
| Noncurrent loans to loans | 0.9588% | 3,163 |
| Net loans and leases to total assets | 51.6826% | 4,839 |
| Net loans and leases to deposits | 57.1628% | 5,163 |
| Net loans and leases to core deposits | 57.1628% | 5,385 |
| Total domestic deposits to total assets | 90.4131% | 563 |
| Equity capital to assets | 9.0735% | 5,274 |
| Core capital (leverage) ratio | 9.1164% | 4,907 |
| Tier 1 risk-based capital ratio | 14.3628% | 3,974 |
| Total risk-based capital ratio | 14.9473% | 4,355 |
| Memoranda: | ||
| Average total assets | $99,586,250 | 4,649 |
| Average earning assets | $91,165,250 | 4,665 |
| Average equity | $8,969,750 | 5,019 |
| Average total loans | $49,812,750 | 4,871 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8149% | 4,470 |
| Cost of funding earning assets | 0.4432% | 3,405 |
| Net interest margin | 3.3717% | 4,306 |
| Noninterest income to average assets | 0.4485% | 3,885 |
| Noninterest expense to average assets | 2.1710% | 5,480 |
| Loan and lease loss provision to assets | 0.0530% | 3,241 |
| Net operating income to assets | 0.8966% | 2,830 |
| Return on assets (ROA) | 0.9132% | 2,843 |
| Pretax return on assets | 1.3352% | 2,133 |
| Return on Equity (ROE) | 10.1656% | 2,072 |
| Retained earnings to average equity (ytd only) | 9.6211% | 813 |
| Net charge-offs to loans | -0.0124% | 5,386 |
| Credit loss provision to net charge-offs | -866.6667% | 5,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4187% | 5,089 |
| Assets per employee ($millions) | 4.5046% | 2,911 |
| Cash dividends to net income (ytd only)* | 5.3571% | 3,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 6,093 |
| Loan loss allowance to noncurrent loans | 232.9341% | 1,884 |
| Noncurrent assets plus other real estate owned to assets | 0.1685% | 5,637 |
| Noncurrent loans to loans | 0.3200% | 5,052 |
| Net loans and leases to total assets | 52.2674% | 4,722 |
| Net loans and leases to deposits | 57.9714% | 5,045 |
| Net loans and leases to core deposits | 57.9714% | 5,276 |
| Total domestic deposits to total assets | 90.1606% | 733 |
| Equity capital to assets | 9.2924% | 4,992 |
| Core capital (leverage) ratio | 9.0510% | 4,943 |
| Tier 1 risk-based capital ratio | 14.6094% | 3,861 |
| Total risk-based capital ratio | 15.2395% | 4,205 |
| Memoranda: | ||
| Average total assets | $98,113,000 | 4,724 |
| Average earning assets | $89,805,670 | 4,736 |
| Average equity | $8,814,000 | 5,078 |
| Average total loans | $48,373,670 | 4,951 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 4,502 |
| Cost of funding earning assets | 0.4473% | 3,459 |
| Net interest margin | 3.3479% | 4,338 |
| Noninterest income to average assets | 0.4384% | 3,880 |
| Noninterest expense to average assets | 2.1348% | 5,607 |
| Loan and lease loss provision to assets | 0.0492% | 3,111 |
| Net operating income to assets | 0.8751% | 2,770 |
| Return on assets (ROA) | 0.8974% | 2,730 |
| Pretax return on assets | 1.3235% | 2,015 |
| Return on Equity (ROE) | 10.1665% | 1,975 |
| Retained earnings to average equity (ytd only) | 9.0524% | 1,230 |
| Net charge-offs to loans | -0.0086% | 4,993 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4387% | 5,212 |
| Assets per employee ($millions) | 4.7325% | 2,621 |
| Cash dividends to net income (ytd only)* | 10.9589% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8073% | 6,086 |
| Loan loss allowance to noncurrent loans | 282.5758% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 5,851 |
| Noncurrent loans to loans | 0.2857% | 5,255 |
| Net loans and leases to total assets | 46.1165% | 5,325 |
| Net loans and leases to deposits | 50.8753% | 5,533 |
| Net loans and leases to core deposits | 51.3041% | 5,667 |
| Total domestic deposits to total assets | 90.6463% | 712 |
| Equity capital to assets | 8.8426% | 5,283 |
| Core capital (leverage) ratio | 8.9773% | 5,050 |
| Tier 1 risk-based capital ratio | 14.7193% | 3,875 |
| Total risk-based capital ratio | 15.3438% | 4,214 |
| Memoranda: | ||
| Average total assets | $97,618,500 | 4,783 |
| Average earning assets | $88,532,000 | 4,809 |
| Average equity | $8,616,500 | 5,142 |
| Average total loans | $46,467,000 | 5,064 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9638% | 4,224 |
| Cost of funding earning assets | 0.5502% | 3,109 |
| Net interest margin | 3.4136% | 4,227 |
| Noninterest income to average assets | 0.4582% | 4,034 |
| Noninterest expense to average assets | 2.2203% | 5,577 |
| Loan and lease loss provision to assets | 0.0569% | 4,007 |
| Net operating income to assets | 0.9644% | 2,494 |
| Return on assets (ROA) | 1.0375% | 2,240 |
| Pretax return on assets | 1.4177% | 1,723 |
| Return on Equity (ROE) | 11.9591% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.6677% | 351 |
| Net charge-offs to loans | 0.0489% | 4,536 |
| Credit loss provision to net charge-offs | 234.7826% | 978 |
| Earnings coverage of net charge-offs (x) | 56.7391% | 721 |
| Efficiency ratio | 61.7638% | 5,250 |
| Assets per employee ($millions) | 4.1676% | 3,508 |
| Cash dividends to net income (ytd only)* | 2.4365% | 4,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7704% | 6,231 |
| Loan loss allowance to noncurrent loans | 1,285.7143% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 6,295 |
| Noncurrent loans to loans | 0.0599% | 6,051 |
| Net loans and leases to total assets | 48.3746% | 5,253 |
| Net loans and leases to deposits | 53.2916% | 5,528 |
| Net loans and leases to core deposits | 53.7562% | 5,688 |
| Total domestic deposits to total assets | 90.7735% | 671 |
| Equity capital to assets | 8.8103% | 5,246 |
| Core capital (leverage) ratio | 8.8439% | 5,219 |
| Tier 1 risk-based capital ratio | 14.5858% | 3,914 |
| Total risk-based capital ratio | 15.1966% | 4,270 |
| Memoranda: | ||
| Average total assets | $94,941,800 | 4,871 |
| Average earning assets | $87,240,400 | 4,846 |
| Average equity | $8,236,400 | 5,279 |
| Average total loans | $47,000,000 | 5,067 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9390% | 4,351 |
| Cost of funding earning assets | 0.5540% | 3,225 |
| Net interest margin | 3.3851% | 4,339 |
| Noninterest income to average assets | 0.4448% | 4,194 |
| Noninterest expense to average assets | 2.1960% | 5,615 |
| Loan and lease loss provision to assets | 0.0408% | 4,191 |
| Net operating income to assets | 0.9018% | 2,826 |
| Return on assets (ROA) | 0.9756% | 2,589 |
| Pretax return on assets | 1.4302% | 1,833 |
| Return on Equity (ROE) | 11.2897% | 1,711 |
| Retained earnings to average equity (ytd only) | 10.8987% | 593 |
| Net charge-offs to loans | 0.0397% | 4,353 |
| Credit loss provision to net charge-offs | 207.1429% | 1,171 |
| Earnings coverage of net charge-offs (x) | 69.1285% | 671 |
| Efficiency ratio | 61.7089% | 5,177 |
| Assets per employee ($millions) | 4.2215% | 3,381 |
| Cash dividends to net income (ytd only)* | 3.4633% | 3,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6864% | 6,459 |
| Loan loss allowance to noncurrent loans | 982.8571% | 482 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 6,365 |
| Noncurrent loans to loans | 0.0698% | 6,131 |
| Net loans and leases to total assets | 51.2653% | 4,974 |
| Net loans and leases to deposits | 56.4187% | 5,336 |
| Net loans and leases to core deposits | 56.9031% | 5,537 |
| Total domestic deposits to total assets | 90.8656% | 588 |
| Equity capital to assets | 8.4742% | 5,760 |
| Core capital (leverage) ratio | 8.7128% | 5,519 |
| Tier 1 risk-based capital ratio | 13.4250% | 4,814 |
| Total risk-based capital ratio | 13.9811% | 5,252 |
| Memoranda: | ||
| Average total assets | $94,713,750 | 4,916 |
| Average earning assets | $87,125,500 | 4,895 |
| Average equity | $8,184,250 | 5,340 |
| Average total loans | $47,067,750 | 5,107 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9450% | 4,306 |
| Cost of funding earning assets | 0.5642% | 3,271 |
| Net interest margin | 3.3808% | 4,261 |
| Noninterest income to average assets | 0.4536% | 4,139 |
| Noninterest expense to average assets | 2.2104% | 5,607 |
| Loan and lease loss provision to assets | 0.0405% | 4,145 |
| Net operating income to assets | 0.8846% | 2,873 |
| Return on assets (ROA) | 0.9859% | 2,533 |
| Pretax return on assets | 1.4395% | 1,798 |
| Return on Equity (ROE) | 11.3346% | 1,707 |
| Retained earnings to average equity (ytd only) | 10.7471% | 693 |
| Net charge-offs to loans | 0.0347% | 4,197 |
| Credit loss provision to net charge-offs | 237.5000% | 1,052 |
| Earnings coverage of net charge-offs (x) | 78.1250% | 581 |
| Efficiency ratio | 62.4173% | 5,109 |
| Assets per employee ($millions) | 3.8068% | 4,193 |
| Cash dividends to net income (ytd only)* | 5.1836% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7009% | 6,493 |
| Loan loss allowance to noncurrent loans | 2,266.6667% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 6,502 |
| Noncurrent loans to loans | 0.0309% | 6,316 |
| Net loans and leases to total assets | 50.6163% | 5,045 |
| Net loans and leases to deposits | 55.4051% | 5,398 |
| Net loans and leases to core deposits | 55.8872% | 5,604 |
| Total domestic deposits to total assets | 91.3566% | 426 |
| Equity capital to assets | 8.2178% | 6,046 |
| Core capital (leverage) ratio | 8.5108% | 5,662 |
| Tier 1 risk-based capital ratio | 13.3409% | 4,887 |
| Total risk-based capital ratio | 13.9027% | 5,330 |
| Memoranda: | ||
| Average total assets | $93,920,000 | 4,963 |
| Average earning assets | $85,779,670 | 4,956 |
| Average equity | $8,169,670 | 5,390 |
| Average total loans | $46,050,330 | 5,187 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9315% | 4,362 |
| Cost of funding earning assets | 0.5784% | 3,306 |
| Net interest margin | 3.3531% | 4,299 |
| Noninterest income to average assets | 0.4373% | 4,198 |
| Noninterest expense to average assets | 2.2038% | 5,682 |
| Loan and lease loss provision to assets | 0.0386% | 3,947 |
| Net operating income to assets | 0.8973% | 2,673 |
| Return on assets (ROA) | 0.9004% | 2,801 |
| Pretax return on assets | 1.2562% | 2,393 |
| Return on Equity (ROE) | 10.0671% | 2,038 |
| Retained earnings to average equity (ytd only) | 8.9166% | 1,406 |
| Net charge-offs to loans | 0.0714% | 3,128 |
| Credit loss provision to net charge-offs | 112.5000% | 1,671 |
| Earnings coverage of net charge-offs (x) | 37.6250% | 832 |
| Efficiency ratio | 63.0675% | 5,147 |
| Assets per employee ($millions) | 3.9987% | 3,949 |
| Cash dividends to net income (ytd only)* | 11.4286% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7109% | 6,579 |
| Loan loss allowance to noncurrent loans | 1,375.0000% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 6,537 |
| Noncurrent loans to loans | 0.0517% | 6,321 |
| Net loans and leases to total assets | 48.0280% | 5,225 |
| Net loans and leases to deposits | 53.1271% | 5,510 |
| Net loans and leases to core deposits | 53.4350% | 5,715 |
| Total domestic deposits to total assets | 90.4021% | 814 |
| Equity capital to assets | 8.7612% | 5,747 |
| Core capital (leverage) ratio | 8.4921% | 5,608 |
| Tier 1 risk-based capital ratio | 13.1712% | 5,087 |
| Total risk-based capital ratio | 13.7269% | 5,539 |
| Memoranda: | ||
| Average total assets | $93,294,500 | 5,022 |
| Average earning assets | $85,056,000 | 5,011 |
| Average equity | $8,344,000 | 5,400 |
| Average total loans | $44,819,500 | 5,263 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 5,182 |
| Cost of funding earning assets | 0.6865% | 3,600 |
| Net interest margin | 3.3546% | 5,052 |
| Noninterest income to average assets | 0.4636% | 4,147 |
| Noninterest expense to average assets | 2.1768% | 5,974 |
| Loan and lease loss provision to assets | 0.0397% | 5,372 |
| Net operating income to assets | 0.9849% | 2,406 |
| Return on assets (ROA) | 1.0829% | 2,188 |
| Pretax return on assets | 1.4593% | 1,819 |
| Return on Equity (ROE) | 12.5092% | 1,358 |
| Retained earnings to average equity (ytd only) | 12.2415% | 304 |
| Net charge-offs to loans | 0.0330% | 5,457 |
| Credit loss provision to net charge-offs | 276.9231% | 866 |
| Earnings coverage of net charge-offs (x) | 95.2308% | 407 |
| Efficiency ratio | 61.4330% | 5,326 |
| Assets per employee ($millions) | 3.9400% | 4,058 |
| Cash dividends to net income (ytd only)* | 2.1407% | 4,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7613% | 6,552 |
| Loan loss allowance to noncurrent loans | 967.6471% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 6,565 |
| Noncurrent loans to loans | 0.0787% | 6,288 |
| Net loans and leases to total assets | 47.3273% | 5,476 |
| Net loans and leases to deposits | 52.6253% | 5,765 |
| Net loans and leases to core deposits | 52.9501% | 5,947 |
| Total domestic deposits to total assets | 89.9327% | 981 |
| Equity capital to assets | 9.1371% | 5,354 |
| Core capital (leverage) ratio | 8.5250% | 5,576 |
| Tier 1 risk-based capital ratio | 13.7428% | 4,571 |
| Total risk-based capital ratio | 14.3348% | 4,996 |
| Memoranda: | ||
| Average total assets | $90,589,800 | 5,067 |
| Average earning assets | $83,169,600 | 5,041 |
| Average equity | $7,842,200 | 5,542 |
| Average total loans | $39,375,800 | 5,533 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0608% | 5,325 |
| Cost of funding earning assets | 0.6933% | 3,831 |
| Net interest margin | 3.3674% | 5,150 |
| Noninterest income to average assets | 0.4445% | 4,330 |
| Noninterest expense to average assets | 2.1534% | 6,056 |
| Loan and lease loss provision to assets | 0.0397% | 5,279 |
| Net operating income to assets | 0.9432% | 2,775 |
| Return on assets (ROA) | 1.0730% | 2,401 |
| Pretax return on assets | 1.5323% | 1,771 |
| Return on Equity (ROE) | 12.5697% | 1,440 |
| Retained earnings to average equity (ytd only) | 12.2076% | 500 |
| Net charge-offs to loans | -0.0104% | 6,371 |
| Credit loss provision to net charge-offs | -900.0000% | 6,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8316% | 5,342 |
| Assets per employee ($millions) | 3.9237% | 4,025 |
| Cash dividends to net income (ytd only)* | 2.8807% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8276% | 6,543 |
| Loan loss allowance to noncurrent loans | 501.4925% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.0742% | 6,551 |
| Noncurrent loans to loans | 0.1650% | 6,199 |
| Net loans and leases to total assets | 44.6146% | 5,917 |
| Net loans and leases to deposits | 49.5886% | 6,141 |
| Net loans and leases to core deposits | 49.8959% | 6,289 |
| Total domestic deposits to total assets | 89.9694% | 861 |
| Equity capital to assets | 9.0289% | 5,799 |
| Core capital (leverage) ratio | 8.3164% | 5,981 |
| Tier 1 risk-based capital ratio | 13.8270% | 4,673 |
| Total risk-based capital ratio | 14.4561% | 5,055 |
| Memoranda: | ||
| Average total assets | $90,582,250 | 5,118 |
| Average earning assets | $83,266,500 | 5,092 |
| Average equity | $7,732,750 | 5,630 |
| Average total loans | $38,415,500 | 5,638 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0248% | 5,571 |
| Cost of funding earning assets | 0.6994% | 4,020 |
| Net interest margin | 3.3255% | 5,371 |
| Noninterest income to average assets | 0.4388% | 4,371 |
| Noninterest expense to average assets | 2.1479% | 6,127 |
| Loan and lease loss provision to assets | 0.0397% | 5,172 |
| Net operating income to assets | 0.9249% | 2,783 |
| Return on assets (ROA) | 1.0938% | 2,290 |
| Pretax return on assets | 1.5789% | 1,610 |
| Return on Equity (ROE) | 13.0624% | 1,348 |
| Retained earnings to average equity (ytd only) | 12.5093% | 507 |
| Net charge-offs to loans | -0.0053% | 6,171 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,482 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9894% | 5,423 |
| Assets per employee ($millions) | 3.7360% | 4,450 |
| Cash dividends to net income (ytd only)* | 4.2339% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8509% | 6,567 |
| Loan loss allowance to noncurrent loans | 106.5574% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3402% | 5,913 |
| Noncurrent loans to loans | 0.7985% | 4,913 |
| Net loans and leases to total assets | 42.2377% | 6,173 |
| Net loans and leases to deposits | 47.1590% | 6,365 |
| Net loans and leases to core deposits | 47.4545% | 6,493 |
| Total domestic deposits to total assets | 89.5644% | 1,184 |
| Equity capital to assets | 8.7181% | 6,004 |
| Core capital (leverage) ratio | 7.8062% | 6,446 |
| Tier 1 risk-based capital ratio | 13.8336% | 4,574 |
| Total risk-based capital ratio | 14.4623% | 5,002 |
| Memoranda: | ||
| Average total assets | $90,695,000 | 5,148 |
| Average earning assets | $84,077,670 | 5,099 |
| Average equity | $7,594,330 | 5,687 |
| Average total loans | $37,688,000 | 5,698 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 5,841 |
| Cost of funding earning assets | 0.7068% | 4,220 |
| Net interest margin | 3.2683% | 5,582 |
| Noninterest income to average assets | 0.4122% | 4,578 |
| Noninterest expense to average assets | 2.1357% | 6,189 |
| Loan and lease loss provision to assets | 0.0395% | 4,893 |
| Net operating income to assets | 0.8891% | 2,975 |
| Return on assets (ROA) | 0.9078% | 3,105 |
| Pretax return on assets | 1.2849% | 2,591 |
| Return on Equity (ROE) | 11.0651% | 1,997 |
| Retained earnings to average equity (ytd only) | 9.9425% | 1,283 |
| Net charge-offs to loans | -0.0107% | 5,967 |
| Credit loss provision to net charge-offs | -900.0000% | 5,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1967% | 5,240 |
| Assets per employee ($millions) | 3.8515% | 4,313 |
| Cash dividends to net income (ytd only)* | 10.1449% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8392% | 6,666 |
| Loan loss allowance to noncurrent loans | 103.6066% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3300% | 6,054 |
| Noncurrent loans to loans | 0.8100% | 5,055 |
| Net loans and leases to total assets | 40.3955% | 6,317 |
| Net loans and leases to deposits | 44.4799% | 6,530 |
| Net loans and leases to core deposits | 45.8559% | 6,577 |
| Total domestic deposits to total assets | 90.8174% | 634 |
| Equity capital to assets | 8.2295% | 6,336 |
| Core capital (leverage) ratio | 7.5026% | 6,631 |
| Tier 1 risk-based capital ratio | 13.5278% | 4,810 |
| Total risk-based capital ratio | 14.1508% | 5,256 |
| Memoranda: | ||
| Average total assets | $91,210,500 | 5,169 |
| Average earning assets | $84,325,500 | 5,129 |
| Average equity | $7,483,000 | 5,743 |
| Average total loans | $37,433,500 | 5,758 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3087% | 5,738 |
| Cost of funding earning assets | 0.8554% | 4,435 |
| Net interest margin | 3.4533% | 5,318 |
| Noninterest income to average assets | 0.4511% | 4,204 |
| Noninterest expense to average assets | 2.2709% | 6,114 |
| Loan and lease loss provision to assets | 0.0410% | 6,062 |
| Net operating income to assets | 1.0158% | 2,146 |
| Return on assets (ROA) | 1.0077% | 2,312 |
| Pretax return on assets | 1.3077% | 2,098 |
| Return on Equity (ROE) | 13.1318% | 1,135 |
| Retained earnings to average equity (ytd only) | 12.8111% | 244 |
| Net charge-offs to loans | 0.1950% | 4,584 |
| Credit loss provision to net charge-offs | 49.2958% | 5,439 |
| Earnings coverage of net charge-offs (x) | 16.3380% | 1,336 |
| Efficiency ratio | 62.5565% | 5,372 |
| Assets per employee ($millions) | 4.0902% | 3,666 |
| Cash dividends to net income (ytd only)* | 2.4419% | 4,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8223% | 6,696 |
| Loan loss allowance to noncurrent loans | 67.8492% | 4,143 |
| Noncurrent assets plus other real estate owned to assets | 0.5012% | 5,717 |
| Noncurrent loans to loans | 1.2120% | 4,344 |
| Net loans and leases to total assets | 41.0124% | 6,463 |
| Net loans and leases to deposits | 45.1194% | 6,667 |
| Net loans and leases to core deposits | 46.2579% | 6,724 |
| Total domestic deposits to total assets | 90.8974% | 541 |
| Equity capital to assets | 8.1780% | 6,452 |
| Core capital (leverage) ratio | 7.4575% | 6,674 |
| Tier 1 risk-based capital ratio | 15.8888% | 3,100 |
| Total risk-based capital ratio | 16.6171% | 3,361 |
| Memoranda: | ||
| Average total assets | $85,342,200 | 5,301 |
| Average earning assets | $78,562,800 | 5,278 |
| Average equity | $6,549,000 | 5,998 |
| Average total loans | $36,405,400 | 5,851 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 5,627 |
| Cost of funding earning assets | 0.8777% | 4,567 |
| Net interest margin | 3.5159% | 5,121 |
| Noninterest income to average assets | 0.4625% | 4,200 |
| Noninterest expense to average assets | 2.3124% | 5,998 |
| Loan and lease loss provision to assets | 0.0412% | 5,922 |
| Net operating income to assets | 1.0081% | 2,289 |
| Return on assets (ROA) | 0.9962% | 2,485 |
| Pretax return on assets | 1.3225% | 2,212 |
| Return on Equity (ROE) | 13.2144% | 1,225 |
| Retained earnings to average equity (ytd only) | 12.7732% | 405 |
| Net charge-offs to loans | 0.2431% | 3,903 |
| Credit loss provision to net charge-offs | 39.3939% | 5,263 |
| Earnings coverage of net charge-offs (x) | 13.1966% | 1,638 |
| Efficiency ratio | 62.6341% | 5,306 |
| Assets per employee ($millions) | 4.4795% | 2,951 |
| Cash dividends to net income (ytd only)* | 3.3387% | 3,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8153% | 6,791 |
| Loan loss allowance to noncurrent loans | 205.4422% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 6,251 |
| Noncurrent loans to loans | 0.3969% | 6,059 |
| Net loans and leases to total assets | 41.0084% | 6,562 |
| Net loans and leases to deposits | 44.9819% | 6,793 |
| Net loans and leases to core deposits | 45.2590% | 6,878 |
| Total domestic deposits to total assets | 91.1663% | 387 |
| Equity capital to assets | 7.9508% | 6,725 |
| Core capital (leverage) ratio | 7.4440% | 6,792 |
| Tier 1 risk-based capital ratio | 13.3307% | 4,858 |
| Total risk-based capital ratio | 13.9554% | 5,301 |
| Memoranda: | ||
| Average total assets | $84,181,500 | 5,374 |
| Average earning assets | $77,323,750 | 5,346 |
| Average equity | $6,346,500 | 6,097 |
| Average total loans | $36,204,000 | 5,909 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4430% | 5,547 |
| Cost of funding earning assets | 0.8980% | 4,686 |
| Net interest margin | 3.5450% | 4,946 |
| Noninterest income to average assets | 0.4758% | 4,058 |
| Noninterest expense to average assets | 2.3962% | 5,855 |
| Loan and lease loss provision to assets | 0.0413% | 5,792 |
| Net operating income to assets | 1.0106% | 2,184 |
| Return on assets (ROA) | 1.0051% | 2,308 |
| Pretax return on assets | 1.3183% | 2,085 |
| Return on Equity (ROE) | 13.6013% | 1,069 |
| Retained earnings to average equity (ytd only) | 12.9113% | 399 |
| Net charge-offs to loans | 0.2784% | 3,495 |
| Credit loss provision to net charge-offs | 34.0000% | 4,927 |
| Earnings coverage of net charge-offs (x) | 11.2600% | 1,732 |
| Efficiency ratio | 63.6774% | 5,306 |
| Assets per employee ($millions) | 4.0022% | 3,751 |
| Cash dividends to net income (ytd only)* | 5.0725% | 3,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 6,779 |
| Loan loss allowance to noncurrent loans | 201.9608% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.4141% | 6,114 |
| Noncurrent loans to loans | 0.4197% | 6,063 |
| Net loans and leases to total assets | 43.0105% | 6,521 |
| Net loans and leases to deposits | 47.0219% | 6,777 |
| Net loans and leases to core deposits | 47.3297% | 6,886 |
| Total domestic deposits to total assets | 91.4691% | 348 |
| Equity capital to assets | 7.8432% | 6,777 |
| Core capital (leverage) ratio | 7.4886% | 6,748 |
| Tier 1 risk-based capital ratio | 13.4274% | 4,589 |
| Total risk-based capital ratio | 14.0933% | 5,028 |
| Memoranda: | ||
| Average total assets | $82,379,000 | 5,476 |
| Average earning assets | $76,389,670 | 5,419 |
| Average equity | $6,087,670 | 6,212 |
| Average total loans | $35,925,000 | 5,972 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 5,423 |
| Cost of funding earning assets | 0.9120% | 4,835 |
| Net interest margin | 3.5635% | 4,755 |
| Noninterest income to average assets | 0.4758% | 4,079 |
| Noninterest expense to average assets | 2.4134% | 5,844 |
| Loan and lease loss provision to assets | 0.0441% | 5,446 |
| Net operating income to assets | 0.9871% | 2,222 |
| Return on assets (ROA) | 1.0743% | 1,982 |
| Pretax return on assets | 1.4520% | 1,595 |
| Return on Equity (ROE) | 15.0116% | 819 |
| Retained earnings to average equity (ytd only) | 13.5721% | 517 |
| Net charge-offs to loans | 0.4375% | 2,388 |
| Credit loss provision to net charge-offs | 23.0769% | 4,223 |
| Earnings coverage of net charge-offs (x) | 7.2051% | 1,984 |
| Efficiency ratio | 63.6481% | 5,420 |
| Assets per employee ($millions) | 3.8943% | 4,086 |
| Cash dividends to net income (ytd only)* | 9.5890% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8814% | 6,743 |
| Loan loss allowance to noncurrent loans | 212.2449% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.4182% | 6,161 |
| Noncurrent loans to loans | 0.4153% | 6,168 |
| Net loans and leases to total assets | 42.9036% | 6,549 |
| Net loans and leases to deposits | 46.5623% | 6,816 |
| Net loans and leases to core deposits | 47.0304% | 6,925 |
| Total domestic deposits to total assets | 92.1424% | 253 |
| Equity capital to assets | 7.3501% | 6,952 |
| Core capital (leverage) ratio | 7.3577% | 6,821 |
| Tier 1 risk-based capital ratio | 13.3006% | 4,576 |
| Total risk-based capital ratio | 13.9882% | 5,005 |
| Memoranda: | ||
| Average total assets | $81,545,000 | 5,543 |
| Average earning assets | $75,880,000 | 5,479 |
| Average equity | $5,835,500 | 6,298 |
| Average total loans | $35,658,500 | 6,038 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9116% | 4,965 |
| Cost of funding earning assets | 1.2400% | 4,286 |
| Net interest margin | 3.6716% | 4,485 |
| Noninterest income to average assets | 0.5380% | 3,900 |
| Noninterest expense to average assets | 2.5420% | 5,644 |
| Loan and lease loss provision to assets | 0.0693% | 6,453 |
| Net operating income to assets | 1.0106% | 2,003 |
| Return on assets (ROA) | 1.0828% | 1,844 |
| Pretax return on assets | 1.4171% | 1,613 |
| Return on Equity (ROE) | 14.2169% | 847 |
| Retained earnings to average equity (ytd only) | 13.8423% | 169 |
| Net charge-offs to loans | 0.1252% | 5,641 |
| Credit loss provision to net charge-offs | 113.3333% | 3,840 |
| Earnings coverage of net charge-offs (x) | 22.7556% | 927 |
| Efficiency ratio | 64.6287% | 5,237 |
| Assets per employee ($millions) | 3.6959% | 4,476 |
| Cash dividends to net income (ytd only)* | 2.6349% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9522% | 6,570 |
| Loan loss allowance to noncurrent loans | 152.6786% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 6,366 |
| Noncurrent loans to loans | 0.6236% | 5,806 |
| Net loans and leases to total assets | 43.7541% | 6,733 |
| Net loans and leases to deposits | 47.4695% | 6,975 |
| Net loans and leases to core deposits | 47.7883% | 7,081 |
| Total domestic deposits to total assets | 92.1731% | 244 |
| Equity capital to assets | 6.9611% | 7,125 |
| Core capital (leverage) ratio | 7.2505% | 6,881 |
| Tier 1 risk-based capital ratio | 12.9902% | 4,600 |
| Total risk-based capital ratio | 13.7513% | 5,007 |
| Memoranda: | ||
| Average total assets | $73,603,200 | 5,771 |
| Average earning assets | $68,063,400 | 5,732 |
| Average equity | $5,606,000 | 6,484 |
| Average total loans | $35,929,400 | 6,115 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0117% | 4,756 |
| Cost of funding earning assets | 1.2822% | 4,356 |
| Net interest margin | 3.7296% | 4,268 |
| Noninterest income to average assets | 0.5134% | 4,075 |
| Noninterest expense to average assets | 2.5298% | 5,605 |
| Loan and lease loss provision to assets | 0.0502% | 6,581 |
| Net operating income to assets | 0.9889% | 2,279 |
| Return on assets (ROA) | 1.0826% | 2,067 |
| Pretax return on assets | 1.5049% | 1,602 |
| Return on Equity (ROE) | 13.8754% | 1,057 |
| Retained earnings to average equity (ytd only) | 13.3747% | 311 |
| Net charge-offs to loans | 0.1670% | 4,978 |
| Credit loss provision to net charge-offs | 60.0000% | 5,688 |
| Earnings coverage of net charge-offs (x) | 17.0218% | 1,352 |
| Efficiency ratio | 63.9699% | 5,244 |
| Assets per employee ($millions) | 3.5637% | 4,817 |
| Cash dividends to net income (ytd only)* | 3.6083% | 3,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8753% | 6,819 |
| Loan loss allowance to noncurrent loans | 147.2222% | 1,922 |
| Noncurrent assets plus other real estate owned to assets | 0.3622% | 6,493 |
| Noncurrent loans to loans | 0.5945% | 6,025 |
| Net loans and leases to total assets | 45.9351% | 6,700 |
| Net loans and leases to deposits | 50.2547% | 6,998 |
| Net loans and leases to core deposits | 50.6078% | 7,099 |
| Total domestic deposits to total assets | 91.4046% | 331 |
| Equity capital to assets | 7.7307% | 6,981 |
| Core capital (leverage) ratio | 7.3769% | 6,959 |
| Tier 1 risk-based capital ratio | 12.7630% | 4,763 |
| Total risk-based capital ratio | 13.4848% | 5,202 |
| Memoranda: | ||
| Average total assets | $71,676,750 | 5,897 |
| Average earning assets | $66,136,750 | 5,860 |
| Average equity | $5,592,500 | 6,570 |
| Average total loans | $35,932,250 | 6,207 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 4,608 |
| Cost of funding earning assets | 1.3017% | 4,530 |
| Net interest margin | 3.7685% | 4,055 |
| Noninterest income to average assets | 0.5415% | 3,776 |
| Noninterest expense to average assets | 2.6644% | 5,061 |
| Loan and lease loss provision to assets | 0.0518% | 6,449 |
| Net operating income to assets | 0.9739% | 2,283 |
| Return on assets (ROA) | 0.9995% | 2,281 |
| Pretax return on assets | 1.3538% | 1,937 |
| Return on Equity (ROE) | 12.7660% | 1,295 |
| Retained earnings to average equity (ytd only) | 11.9934% | 494 |
| Net charge-offs to loans | 0.0838% | 5,300 |
| Credit loss provision to net charge-offs | 120.0000% | 3,387 |
| Earnings coverage of net charge-offs (x) | 31.7333% | 887 |
| Efficiency ratio | 66.0243% | 4,977 |
| Assets per employee ($millions) | 3.2044% | 5,680 |
| Cash dividends to net income (ytd only)* | 6.0519% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 6,663 |
| Loan loss allowance to noncurrent loans | 149.3392% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.3731% | 6,498 |
| Noncurrent loans to loans | 0.6230% | 6,001 |
| Net loans and leases to total assets | 48.9756% | 6,547 |
| Net loans and leases to deposits | 53.4930% | 6,895 |
| Net loans and leases to core deposits | 53.8923% | 7,044 |
| Total domestic deposits to total assets | 91.5552% | 319 |
| Equity capital to assets | 7.7284% | 6,977 |
| Core capital (leverage) ratio | 7.4812% | 6,838 |
| Tier 1 risk-based capital ratio | 12.2960% | 5,042 |
| Total risk-based capital ratio | 13.0698% | 5,439 |
| Memoranda: | ||
| Average total assets | $69,435,000 | 5,993 |
| Average earning assets | $64,376,000 | 5,951 |
| Average equity | $5,436,330 | 6,638 |
| Average total loans | $35,799,000 | 6,257 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 3,908 |
| Cost of funding earning assets | 1.3056% | 4,782 |
| Net interest margin | 3.9169% | 3,251 |
| Noninterest income to average assets | 0.5943% | 3,315 |
| Noninterest expense to average assets | 2.7696% | 4,609 |
| Loan and lease loss provision to assets | 0.0535% | 6,130 |
| Net operating income to assets | 1.0248% | 2,093 |
| Return on assets (ROA) | 1.0639% | 2,024 |
| Pretax return on assets | 1.4621% | 1,612 |
| Return on Equity (ROE) | 13.4929% | 1,152 |
| Retained earnings to average equity (ytd only) | 11.9099% | 757 |
| Net charge-offs to loans | 0.1691% | 3,908 |
| Credit loss provision to net charge-offs | 60.0000% | 4,297 |
| Earnings coverage of net charge-offs (x) | 16.4000% | 1,333 |
| Efficiency ratio | 65.4494% | 5,226 |
| Assets per employee ($millions) | 2.9022% | 6,431 |
| Cash dividends to net income (ytd only)* | 11.7318% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 6,748 |
| Loan loss allowance to noncurrent loans | 1,031.2500% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.3187% | 6,679 |
| Noncurrent loans to loans | 0.0898% | 7,170 |
| Net loans and leases to total assets | 50.6647% | 6,408 |
| Net loans and leases to deposits | 55.2314% | 6,828 |
| Net loans and leases to core deposits | 55.2314% | 7,032 |
| Total domestic deposits to total assets | 91.7318% | 310 |
| Equity capital to assets | 7.7040% | 6,929 |
| Core capital (leverage) ratio | 7.6476% | 6,680 |
| Tier 1 risk-based capital ratio | 12.1167% | 5,070 |
| Total risk-based capital ratio | 12.8827% | 5,506 |
| Memoranda: | ||
| Average total assets | $67,301,500 | 6,126 |
| Average earning assets | $62,498,500 | 6,062 |
| Average equity | $5,306,500 | 6,740 |
| Average total loans | $35,481,000 | 6,343 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 4,268 |
| Cost of funding earning assets | 1.5331% | 5,365 |
| Net interest margin | 3.9452% | 3,101 |
| Noninterest income to average assets | -0.1127% | 7,810 |
| Noninterest expense to average assets | 3.0770% | 3,845 |
| Loan and lease loss provision to assets | 0.2350% | 5,489 |
| Net operating income to assets | 0.2061% | 4,883 |
| Return on assets (ROA) | 0.4335% | 4,110 |
| Pretax return on assets | 0.4684% | 4,293 |
| Return on Equity (ROE) | 5.2758% | 3,541 |
| Retained earnings to average equity (ytd only) | 4.9279% | 1,858 |
| Net charge-offs to loans | 0.1686% | 5,600 |
| Credit loss provision to net charge-offs | 259.6491% | 1,352 |
| Earnings coverage of net charge-offs (x) | 5.0702% | 2,696 |
| Efficiency ratio | 87.0229% | 1,991 |
| Assets per employee ($millions) | 2.7063% | 6,844 |
| Cash dividends to net income (ytd only)* | 6.5934% | 3,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9507% | 6,631 |
| Loan loss allowance to noncurrent loans | 188.7640% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 6,588 |
| Noncurrent loans to loans | 0.5036% | 6,243 |
| Net loans and leases to total assets | 53.8976% | 6,213 |
| Net loans and leases to deposits | 60.5867% | 6,591 |
| Net loans and leases to core deposits | 63.4679% | 7,123 |
| Total domestic deposits to total assets | 88.9594% | 1,497 |
| Equity capital to assets | 8.0784% | 6,494 |
| Core capital (leverage) ratio | 7.6805% | 6,574 |
| Tier 1 risk-based capital ratio | 12.4309% | 4,571 |
| Total risk-based capital ratio | 13.2561% | 4,896 |
| Memoranda: | ||
| Average total assets | $62,982,600 | 6,239 |
| Average earning assets | $58,248,200 | 6,211 |
| Average equity | $5,174,600 | 6,880 |
| Average total loans | $33,805,400 | 6,410 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4805% | 4,516 |
| Cost of funding earning assets | 1.5860% | 5,465 |
| Net interest margin | 3.8946% | 3,253 |
| Noninterest income to average assets | 0.3392% | 5,781 |
| Noninterest expense to average assets | 3.0895% | 3,686 |
| Loan and lease loss provision to assets | 0.2198% | 5,218 |
| Net operating income to assets | 0.4850% | 4,054 |
| Return on assets (ROA) | 0.6657% | 3,395 |
| Pretax return on assets | 0.8641% | 3,339 |
| Return on Equity (ROE) | 8.0673% | 2,608 |
| Retained earnings to average equity (ytd only) | 7.6019% | 1,264 |
| Net charge-offs to loans | 0.2274% | 4,635 |
| Credit loss provision to net charge-offs | 180.7018% | 2,532 |
| Earnings coverage of net charge-offs (x) | 6.9822% | 2,501 |
| Efficiency ratio | 78.4399% | 3,095 |
| Assets per employee ($millions) | 2.7303% | 6,781 |
| Cash dividends to net income (ytd only)* | 5.7694% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8474% | 6,965 |
| Loan loss allowance to noncurrent loans | 137.2642% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 0.3907% | 6,484 |
| Noncurrent loans to loans | 0.6173% | 6,071 |
| Net loans and leases to total assets | 51.9640% | 6,600 |
| Net loans and leases to deposits | 57.2199% | 7,012 |
| Net loans and leases to core deposits | 60.2427% | 7,390 |
| Total domestic deposits to total assets | 90.8146% | 477 |
| Equity capital to assets | 8.3232% | 6,477 |
| Core capital (leverage) ratio | 7.9020% | 6,498 |
| Tier 1 risk-based capital ratio | 12.8279% | 4,308 |
| Total risk-based capital ratio | 13.5597% | 4,641 |
| Memoranda: | ||
| Average total assets | $62,490,500 | 6,300 |
| Average earning assets | $57,754,250 | 6,272 |
| Average equity | $5,156,500 | 6,948 |
| Average total loans | $33,421,000 | 6,486 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5527% | 4,325 |
| Cost of funding earning assets | 1.6676% | 5,436 |
| Net interest margin | 3.8851% | 3,182 |
| Noninterest income to average assets | 0.2440% | 6,538 |
| Noninterest expense to average assets | 3.2369% | 3,203 |
| Loan and lease loss provision to assets | 0.0521% | 6,709 |
| Net operating income to assets | 0.4294% | 4,382 |
| Return on assets (ROA) | 0.4945% | 4,233 |
| Pretax return on assets | 0.6214% | 4,266 |
| Return on Equity (ROE) | 6.0111% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.2992% | 2,348 |
| Net charge-offs to loans | 0.2355% | 4,025 |
| Credit loss provision to net charge-offs | 41.0256% | 5,886 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,039 |
| Efficiency ratio | 84.5370% | 2,414 |
| Assets per employee ($millions) | 2.6833% | 6,870 |
| Cash dividends to net income (ytd only)* | 11.8421% | 3,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6662% | 7,496 |
| Loan loss allowance to noncurrent loans | 120.0000% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3727% | 6,522 |
| Noncurrent loans to loans | 0.5551% | 6,156 |
| Net loans and leases to total assets | 51.4038% | 6,746 |
| Net loans and leases to deposits | 57.2172% | 7,079 |
| Net loans and leases to core deposits | 60.6193% | 7,429 |
| Total domestic deposits to total assets | 89.8397% | 894 |
| Equity capital to assets | 7.9211% | 6,845 |
| Core capital (leverage) ratio | 7.7745% | 6,642 |
| Tier 1 risk-based capital ratio | 12.4480% | 4,560 |
| Total risk-based capital ratio | 13.0073% | 5,062 |
| Memoranda: | ||
| Average total assets | $61,478,000 | 6,396 |
| Average earning assets | $56,729,000 | 6,357 |
| Average equity | $5,057,330 | 7,043 |
| Average total loans | $33,114,000 | 6,548 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6619% | 3,982 |
| Cost of funding earning assets | 1.8414% | 4,913 |
| Net interest margin | 3.8205% | 3,372 |
| Noninterest income to average assets | 0.4732% | 4,565 |
| Noninterest expense to average assets | 3.2390% | 2,832 |
| Loan and lease loss provision to assets | 0.0467% | 6,386 |
| Net operating income to assets | 0.5932% | 4,043 |
| Return on assets (ROA) | 0.5932% | 4,241 |
| Pretax return on assets | 0.6998% | 4,439 |
| Return on Equity (ROE) | 7.0698% | 3,567 |
| Retained earnings to average equity (ytd only) | 5.6400% | 2,801 |
| Net charge-offs to loans | 0.2181% | 3,333 |
| Credit loss provision to net charge-offs | 38.8889% | 4,832 |
| Earnings coverage of net charge-offs (x) | 6.2222% | 2,526 |
| Efficiency ratio | 81.2709% | 2,645 |
| Assets per employee ($millions) | 2.7255% | 6,827 |
| Cash dividends to net income (ytd only)* | 20.2247% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7067% | 7,425 |
| Loan loss allowance to noncurrent loans | 103.5398% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.7051% | 5,392 |
| Noncurrent loans to loans | 0.6825% | 5,703 |
| Net loans and leases to total assets | 52.4479% | 6,634 |
| Net loans and leases to deposits | 58.4903% | 7,004 |
| Net loans and leases to core deposits | 61.9463% | 7,394 |
| Total domestic deposits to total assets | 89.6693% | 946 |
| Equity capital to assets | 8.0926% | 6,682 |
| Core capital (leverage) ratio | 7.9057% | 6,607 |
| Tier 1 risk-based capital ratio | 12.3788% | 4,636 |
| Total risk-based capital ratio | 12.9727% | 5,112 |
| Memoranda: | ||
| Average total assets | $60,018,000 | 6,470 |
| Average earning assets | $55,176,000 | 6,449 |
| Average equity | $5,035,500 | 7,098 |
| Average total loans | $33,008,500 | 6,589 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1061% | 5,007 |
| Cost of funding earning assets | 2.4564% | 4,440 |
| Net interest margin | 3.6497% | 4,680 |
| Noninterest income to average assets | 0.3833% | 5,610 |
| Noninterest expense to average assets | 2.9042% | 4,439 |
| Loan and lease loss provision to assets | 0.0329% | 6,994 |
| Net operating income to assets | 0.5987% | 4,308 |
| Return on assets (ROA) | 0.6681% | 3,881 |
| Pretax return on assets | 0.8817% | 3,791 |
| Return on Equity (ROE) | 7.7949% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.4115% | 1,013 |
| Net charge-offs to loans | 0.0320% | 6,374 |
| Credit loss provision to net charge-offs | 180.0000% | 2,801 |
| Earnings coverage of net charge-offs (x) | 45.1000% | 823 |
| Efficiency ratio | 77.9138% | 2,928 |
| Assets per employee ($millions) | 2.3895% | 7,420 |
| Cash dividends to net income (ytd only)* | 4.9180% | 4,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7446% | 7,313 |
| Loan loss allowance to noncurrent loans | 70.2006% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 1.2433% | 3,740 |
| Noncurrent loans to loans | 1.0606% | 4,454 |
| Net loans and leases to total assets | 56.9496% | 6,340 |
| Net loans and leases to deposits | 66.0358% | 6,642 |
| Net loans and leases to core deposits | 70.8229% | 7,143 |
| Total domestic deposits to total assets | 86.2404% | 2,294 |
| Equity capital to assets | 8.7151% | 5,787 |
| Core capital (leverage) ratio | 8.5361% | 5,506 |
| Tier 1 risk-based capital ratio | 12.8376% | 4,193 |
| Total risk-based capital ratio | 13.4915% | 4,528 |
| Memoranda: | ||
| Average total assets | $54,783,200 | 6,587 |
| Average earning assets | $50,195,400 | 6,582 |
| Average equity | $4,695,400 | 7,255 |
| Average total loans | $31,227,800 | 6,641 |