Home > State Bank of New Richland > Performance and Condition Ratios
State Bank of New Richland, 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 | 5.3911% | 1,331 |
| Cost of funding earning assets | 2.1978% | 641 |
| Net interest margin | 3.1933% | 2,894 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 1.6950% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4395% | 1,141 |
| Return on assets (ROA) | 1.4624% | 1,067 |
| Pretax return on assets | 1.5951% | 1,241 |
| Return on Equity (ROE) | 15.6100% | 1,170 |
| Retained earnings to average equity (ytd only) | 2.5551% | 3,425 |
| Net charge-offs to loans | 0.0019% | 2,742 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 911.5000% | 165 |
| Efficiency ratio | 51.9124% | 3,839 |
| Assets per employee ($millions) | 9.8975% | 730 |
| Cash dividends to net income (ytd only)* | 83.6278% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 3,842 |
| Loan loss allowance to noncurrent loans | 1,302.8986% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 3,195 |
| Noncurrent loans to loans | 0.0655% | 3,246 |
| Net loans and leases to total assets | 87.9500% | 88 |
| Net loans and leases to deposits | 135.4178% | 31 |
| Net loans and leases to core deposits | 163.2199% | 140 |
| Total domestic deposits to total assets | 64.9500% | 4,391 |
| Equity capital to assets | 9.0873% | 2,617 |
| Core capital (leverage) ratio | 9.2908% | 3,438 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.6164% | 2,684 |
| Memoranda: | ||
| Average total assets | $116,107,800 | 3,696 |
| Average earning assets | $111,795,400 | 3,629 |
| Average equity | $10,880,000 | 3,628 |
| Average total loans | $102,971,600 | 3,144 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3206% | 1,261 |
| Cost of funding earning assets | 2.0264% | 674 |
| Net interest margin | 3.2942% | 2,697 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.6135% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.6550% | 853 |
| Return on assets (ROA) | 1.6550% | 846 |
| Pretax return on assets | 1.7497% | 1,082 |
| Return on Equity (ROE) | 17.5300% | 1,006 |
| Retained earnings to average equity (ytd only) | 12.3891% | 905 |
| Net charge-offs to loans | 0.0013% | 2,566 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 1,515.0000% | 98 |
| Efficiency ratio | 47.9739% | 4,044 |
| Assets per employee ($millions) | 9.7641% | 726 |
| Cash dividends to net income (ytd only)* | 29.3091% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8613% | 3,841 |
| Loan loss allowance to noncurrent loans | 1,956.5217% | 536 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 3,409 |
| Noncurrent loans to loans | 0.0440% | 3,445 |
| Net loans and leases to total assets | 88.4100% | 68 |
| Net loans and leases to deposits | 141.4540% | 23 |
| Net loans and leases to core deposits | 161.8786% | 101 |
| Total domestic deposits to total assets | 62.5000% | 4,442 |
| Equity capital to assets | 9.4965% | 2,095 |
| Core capital (leverage) ratio | 10.2426% | 2,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1491% | 2,571 |
| Memoranda: | ||
| Average total assets | $115,442,250 | 3,702 |
| Average earning assets | $111,062,000 | 3,648 |
| Average equity | $10,901,750 | 3,624 |
| Average total loans | $102,373,750 | 3,150 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2692% | 1,120 |
| Cost of funding earning assets | 1.8825% | 635 |
| Net interest margin | 3.3867% | 2,556 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 1.6436% | 4,216 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.8404% | 615 |
| Return on assets (ROA) | 1.8404% | 615 |
| Pretax return on assets | 1.8178% | 982 |
| Return on Equity (ROE) | 19.5300% | 763 |
| Retained earnings to average equity (ytd only) | 14.3534% | 639 |
| Net charge-offs to loans | 0.0020% | 2,307 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 1,044.0000% | 140 |
| Efficiency ratio | 47.4849% | 4,095 |
| Assets per employee ($millions) | 9.5313% | 771 |
| Cash dividends to net income (ytd only)* | 26.4901% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8902% | 3,815 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 3,777 |
| Noncurrent loans to loans | 0.0089% | 3,728 |
| Net loans and leases to total assets | 87.6100% | 93 |
| Net loans and leases to deposits | 140.4086% | 30 |
| Net loans and leases to core deposits | 163.2705% | 94 |
| Total domestic deposits to total assets | 62.4000% | 4,467 |
| Equity capital to assets | 9.6961% | 2,033 |
| Core capital (leverage) ratio | 10.1119% | 2,645 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2451% | 2,552 |
| Memoranda: | ||
| Average total assets | $114,866,667 | 3,724 |
| Average earning assets | $110,491,667 | 3,667 |
| Average equity | $10,826,667 | 3,649 |
| Average total loans | $101,668,000 | 3,158 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0826% | 1,103 |
| Cost of funding earning assets | 1.6810% | 603 |
| Net interest margin | 3.4016% | 2,631 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.5602% | 4,347 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.9390% | 539 |
| Return on assets (ROA) | 1.9390% | 534 |
| Pretax return on assets | 1.9390% | 863 |
| Return on Equity (ROE) | 20.8700% | 668 |
| Retained earnings to average equity (ytd only) | 20.8696% | 324 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 44.5879% | 4,280 |
| Assets per employee ($millions) | 9.3987% | 823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 3,857 |
| Loan loss allowance to noncurrent loans | 2,435.1351% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 3,454 |
| Noncurrent loans to loans | 0.0369% | 3,483 |
| Net loans and leases to total assets | 88.1700% | 66 |
| Net loans and leases to deposits | 126.2528% | 54 |
| Net loans and leases to core deposits | 142.9046% | 164 |
| Total domestic deposits to total assets | 69.8400% | 4,422 |
| Equity capital to assets | 9.7390% | 1,971 |
| Core capital (leverage) ratio | 9.9881% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1733% | 2,670 |
| Memoranda: | ||
| Average total assets | $115,112,000 | 3,768 |
| Average earning assets | $110,888,500 | 3,710 |
| Average equity | $10,695,000 | 3,702 |
| Average total loans | $101,950,000 | 3,189 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7630% | 459 |
| Cost of funding earning assets | 1.1676% | 79 |
| Net interest margin | 3.5954% | 1,658 |
| Noninterest income to average assets | 0.2000% | 3,947 |
| Noninterest expense to average assets | 1.7900% | 4,045 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.7327% | 508 |
| Return on assets (ROA) | 1.9163% | 334 |
| Pretax return on assets | 2.0795% | 392 |
| Return on Equity (ROE) | 20.0300% | 477 |
| Retained earnings to average equity (ytd only) | 3.0540% | 3,703 |
| Net charge-offs to loans | -0.0040% | 3,584 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 48.7734% | 4,203 |
| Assets per employee ($millions) | 9.7867% | 722 |
| Cash dividends to net income (ytd only)* | 84.7536% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8701% | 3,872 |
| Loan loss allowance to noncurrent loans | 156.4236% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 1,036 |
| Noncurrent loans to loans | 0.5562% | 1,332 |
| Net loans and leases to total assets | 87.4100% | 91 |
| Net loans and leases to deposits | 139.8874% | 24 |
| Net loans and leases to core deposits | 162.3825% | 66 |
| Total domestic deposits to total assets | 62.4900% | 4,561 |
| Equity capital to assets | 8.8607% | 2,448 |
| Core capital (leverage) ratio | 9.2861% | 3,362 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3325% | 2,910 |
| Memoranda: | ||
| Average total assets | $113,293,800 | 3,796 |
| Average earning assets | $109,195,200 | 3,729 |
| Average equity | $10,838,200 | 3,776 |
| Average total loans | $99,414,800 | 3,160 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 349 |
| Cost of funding earning assets | 1.0277% | 56 |
| Net interest margin | 3.6813% | 1,186 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 1.6925% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.8759% | 365 |
| Return on assets (ROA) | 2.0726% | 258 |
| Pretax return on assets | 2.2816% | 287 |
| Return on Equity (ROE) | 21.2500% | 338 |
| Retained earnings to average equity (ytd only) | 14.6774% | 393 |
| Net charge-offs to loans | -0.0081% | 3,630 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 45.0379% | 4,424 |
| Assets per employee ($millions) | 9.5610% | 745 |
| Cash dividends to net income (ytd only)* | 30.9456% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8870% | 3,897 |
| Loan loss allowance to noncurrent loans | 143.5612% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 978 |
| Noncurrent loans to loans | 0.6178% | 1,312 |
| Net loans and leases to total assets | 87.9500% | 64 |
| Net loans and leases to deposits | 127.2546% | 35 |
| Net loans and leases to core deposits | 148.6112% | 71 |
| Total domestic deposits to total assets | 69.1100% | 4,546 |
| Equity capital to assets | 9.6102% | 1,824 |
| Core capital (leverage) ratio | 10.2671% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4067% | 2,686 |
| Memoranda: | ||
| Average total assets | $112,257,250 | 3,831 |
| Average earning assets | $108,329,750 | 3,768 |
| Average equity | $10,946,250 | 3,815 |
| Average total loans | $98,379,500 | 3,182 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6383% | 281 |
| Cost of funding earning assets | 0.9731% | 39 |
| Net interest margin | 3.6652% | 971 |
| Noninterest income to average assets | 0.2100% | 3,945 |
| Noninterest expense to average assets | 1.7392% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.8276% | 318 |
| Return on assets (ROA) | 2.1233% | 177 |
| Pretax return on assets | 2.3315% | 212 |
| Return on Equity (ROE) | 21.6673% | 209 |
| Retained earnings to average equity (ytd only) | 15.0737% | 257 |
| Net charge-offs to loans | -0.0123% | 3,662 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4303% | 4,432 |
| Assets per employee ($millions) | 10.1554% | 629 |
| Cash dividends to net income (ytd only)* | 30.4311% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 3,913 |
| Loan loss allowance to noncurrent loans | 143.5612% | 3,060 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 1,001 |
| Noncurrent loans to loans | 0.6373% | 1,336 |
| Net loans and leases to total assets | 87.5489% | 55 |
| Net loans and leases to deposits | 127.6962% | 28 |
| Net loans and leases to core deposits | 150.0000% | 54 |
| Total domestic deposits to total assets | 68.5603% | 4,632 |
| Equity capital to assets | 9.7092% | 1,876 |
| Core capital (leverage) ratio | 10.0937% | 2,285 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3497% | 2,717 |
| Memoranda: | ||
| Average total assets | $111,432,333 | 3,884 |
| Average earning assets | $107,496,333 | 3,830 |
| Average equity | $10,919,667 | 3,897 |
| Average total loans | $97,237,000 | 3,226 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5705% | 273 |
| Cost of funding earning assets | 0.9402% | 47 |
| Net interest margin | 3.6303% | 848 |
| Noninterest income to average assets | 0.2300% | 3,773 |
| Noninterest expense to average assets | 1.6281% | 4,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.0989% | 185 |
| Return on assets (ROA) | 2.0989% | 186 |
| Pretax return on assets | 2.0989% | 301 |
| Return on Equity (ROE) | 21.3207% | 186 |
| Retained earnings to average equity (ytd only) | 21.3207% | 80 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6837% | 4,562 |
| Assets per employee ($millions) | 9.1092% | 878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9416% | 3,920 |
| Loan loss allowance to noncurrent loans | 157.0928% | 2,901 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 1,148 |
| Noncurrent loans to loans | 0.5994% | 1,563 |
| Net loans and leases to total assets | 86.3297% | 53 |
| Net loans and leases to deposits | 113.3116% | 52 |
| Net loans and leases to core deposits | 133.0725% | 81 |
| Total domestic deposits to total assets | 76.1879% | 4,492 |
| Equity capital to assets | 10.1180% | 1,813 |
| Core capital (leverage) ratio | 10.0603% | 2,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2735% | 2,831 |
| Memoranda: | ||
| Average total assets | $111,294,000 | 3,900 |
| Average earning assets | $107,208,500 | 3,842 |
| Average equity | $10,956,500 | 3,957 |
| Average total loans | $96,504,000 | 3,238 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1542% | 206 |
| Cost of funding earning assets | 0.9732% | 83 |
| Net interest margin | 4.1810% | 506 |
| Noninterest income to average assets | 0.1963% | 4,184 |
| Noninterest expense to average assets | 1.8421% | 4,062 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.1778% | 255 |
| Return on assets (ROA) | 2.1942% | 259 |
| Pretax return on assets | 2.4103% | 294 |
| Return on Equity (ROE) | 21.4540% | 241 |
| Retained earnings to average equity (ytd only) | 0.9948% | 4,263 |
| Net charge-offs to loans | 0.0881% | 933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 31.6310% | 1,573 |
| Efficiency ratio | 43.5041% | 4,590 |
| Assets per employee ($millions) | 9.4398% | 798 |
| Cash dividends to net income (ytd only)* | 95.3632% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9177% | 4,017 |
| Loan loss allowance to noncurrent loans | 152.8109% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.5182% | 1,295 |
| Noncurrent loans to loans | 0.6005% | 1,633 |
| Net loans and leases to total assets | 85.4950% | 74 |
| Net loans and leases to deposits | 124.6085% | 31 |
| Net loans and leases to core deposits | 145.9594% | 57 |
| Total domestic deposits to total assets | 68.6109% | 4,705 |
| Equity capital to assets | 9.5809% | 3,061 |
| Core capital (leverage) ratio | 9.4148% | 2,955 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5569% | 2,973 |
| Memoranda: | ||
| Average total assets | $111,066,400 | 3,883 |
| Average earning assets | $107,271,600 | 3,833 |
| Average equity | $11,359,200 | 3,998 |
| Average total loans | $95,292,600 | 3,258 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2510% | 206 |
| Cost of funding earning assets | 0.9817% | 92 |
| Net interest margin | 4.2694% | 485 |
| Noninterest income to average assets | 0.1942% | 4,229 |
| Noninterest expense to average assets | 1.7216% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.6060% | 190 |
| Return on assets (ROA) | 2.6289% | 191 |
| Pretax return on assets | 2.6301% | 275 |
| Return on Equity (ROE) | 25.2945% | 168 |
| Retained earnings to average equity (ytd only) | 12.8968% | 656 |
| Net charge-offs to loans | 0.1197% | 658 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 25.4235% | 1,617 |
| Efficiency ratio | 39.7715% | 4,730 |
| Assets per employee ($millions) | 9.0512% | 878 |
| Cash dividends to net income (ytd only)* | 49.0133% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9596% | 3,977 |
| Loan loss allowance to noncurrent loans | 133.5320% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 0.6178% | 1,228 |
| Noncurrent loans to loans | 0.7186% | 1,550 |
| Net loans and leases to total assets | 85.1428% | 85 |
| Net loans and leases to deposits | 122.4796% | 37 |
| Net loans and leases to core deposits | 141.8859% | 75 |
| Total domestic deposits to total assets | 69.5159% | 4,745 |
| Equity capital to assets | 11.0023% | 2,016 |
| Core capital (leverage) ratio | 10.4109% | 2,129 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9424% | 2,723 |
| Memoranda: | ||
| Average total assets | $110,513,500 | 3,935 |
| Average earning assets | $107,023,750 | 3,882 |
| Average equity | $11,485,750 | 4,036 |
| Average total loans | $94,679,750 | 3,312 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5116% | 170 |
| Cost of funding earning assets | 0.9805% | 117 |
| Net interest margin | 4.5311% | 336 |
| Noninterest income to average assets | 0.1907% | 4,250 |
| Noninterest expense to average assets | 1.7598% | 4,265 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.8197% | 151 |
| Return on assets (ROA) | 2.8449% | 153 |
| Pretax return on assets | 2.8467% | 220 |
| Return on Equity (ROE) | 27.9057% | 129 |
| Retained earnings to average equity (ytd only) | 15.3385% | 391 |
| Net charge-offs to loans | 0.1934% | 443 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 17.0435% | 1,587 |
| Efficiency ratio | 38.4132% | 4,792 |
| Assets per employee ($millions) | 9.1323% | 823 |
| Cash dividends to net income (ytd only)* | 45.0348% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 3,999 |
| Loan loss allowance to noncurrent loans | 131.5089% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 1,348 |
| Noncurrent loans to loans | 0.7223% | 1,639 |
| Net loans and leases to total assets | 84.5876% | 114 |
| Net loans and leases to deposits | 117.0875% | 63 |
| Net loans and leases to core deposits | 133.6828% | 112 |
| Total domestic deposits to total assets | 72.2431% | 4,704 |
| Equity capital to assets | 10.7002% | 2,228 |
| Core capital (leverage) ratio | 10.0050% | 2,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6626% | 2,819 |
| Memoranda: | ||
| Average total assets | $111,146,667 | 3,953 |
| Average earning assets | $107,700,667 | 3,898 |
| Average equity | $11,331,000 | 4,061 |
| Average total loans | $95,115,333 | 3,321 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4782% | 196 |
| Cost of funding earning assets | 0.9776% | 155 |
| Net interest margin | 4.5006% | 354 |
| Noninterest income to average assets | 0.2180% | 4,087 |
| Noninterest expense to average assets | 1.6761% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.9019% | 164 |
| Return on assets (ROA) | 2.9269% | 182 |
| Pretax return on assets | 2.9269% | 249 |
| Return on Equity (ROE) | 29.4247% | 149 |
| Retained earnings to average equity (ytd only) | 16.6345% | 453 |
| Net charge-offs to loans | 0.3838% | 216 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 8.8261% | 1,558 |
| Efficiency ratio | 36.6120% | 4,836 |
| Assets per employee ($millions) | 9.3320% | 741 |
| Cash dividends to net income (ytd only)* | 43.4676% | 1,301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 4,100 |
| Loan loss allowance to noncurrent loans | 113.2484% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.7010% | 1,336 |
| Noncurrent loans to loans | 0.8132% | 1,636 |
| Net loans and leases to total assets | 85.4033% | 105 |
| Net loans and leases to deposits | 116.1713% | 90 |
| Net loans and leases to core deposits | 130.5620% | 138 |
| Total domestic deposits to total assets | 73.5150% | 4,690 |
| Equity capital to assets | 10.0800% | 2,636 |
| Core capital (leverage) ratio | 9.6313% | 2,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2748% | 2,875 |
| Memoranda: | ||
| Average total assets | $111,926,500 | 3,955 |
| Average earning assets | $108,429,500 | 3,892 |
| Average equity | $11,133,500 | 4,093 |
| Average total loans | $95,880,000 | 3,326 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4572% | 200 |
| Cost of funding earning assets | 1.2283% | 250 |
| Net interest margin | 4.2288% | 597 |
| Noninterest income to average assets | 0.1815% | 4,378 |
| Noninterest expense to average assets | 1.8082% | 4,458 |
| Loan and lease loss provision to assets | 0.0651% | 3,562 |
| Net operating income to assets | 2.3857% | 154 |
| Return on assets (ROA) | 2.4613% | 146 |
| Pretax return on assets | 2.4621% | 201 |
| Return on Equity (ROE) | 24.8872% | 113 |
| Retained earnings to average equity (ytd only) | 0.2986% | 4,426 |
| Net charge-offs to loans | 0.0113% | 2,921 |
| Credit loss provision to net charge-offs | 681.8182% | 1,005 |
| Earnings coverage of net charge-offs (x) | 256.6364% | 393 |
| Efficiency ratio | 42.4465% | 4,826 |
| Assets per employee ($millions) | 9.3224% | 670 |
| Cash dividends to net income (ytd only)* | 98.8003% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0301% | 3,756 |
| Loan loss allowance to noncurrent loans | 120.3681% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 0.7285% | 1,423 |
| Noncurrent loans to loans | 0.8558% | 1,653 |
| Net loans and leases to total assets | 84.2521% | 162 |
| Net loans and leases to deposits | 120.2041% | 76 |
| Net loans and leases to core deposits | 140.9924% | 114 |
| Total domestic deposits to total assets | 70.0909% | 4,773 |
| Equity capital to assets | 9.8142% | 3,304 |
| Core capital (leverage) ratio | 9.1128% | 3,537 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2231% | 2,861 |
| Memoranda: | ||
| Average total assets | $115,144,200 | 3,807 |
| Average earning assets | $111,046,800 | 3,753 |
| Average equity | $11,387,400 | 4,040 |
| Average total loans | $97,684,600 | 3,267 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5302% | 218 |
| Cost of funding earning assets | 1.2917% | 253 |
| Net interest margin | 4.2385% | 678 |
| Noninterest income to average assets | 0.1817% | 4,386 |
| Noninterest expense to average assets | 1.6327% | 4,702 |
| Loan and lease loss provision to assets | 0.0862% | 3,232 |
| Net operating income to assets | 2.5513% | 135 |
| Return on assets (ROA) | 2.6445% | 129 |
| Pretax return on assets | 2.6456% | 170 |
| Return on Equity (ROE) | 26.6904% | 96 |
| Retained earnings to average equity (ytd only) | 17.9870% | 110 |
| Net charge-offs to loans | 0.0068% | 2,880 |
| Credit loss provision to net charge-offs | 1,500.0000% | 617 |
| Earnings coverage of net charge-offs (x) | 459.0000% | 248 |
| Efficiency ratio | 38.2234% | 4,931 |
| Assets per employee ($millions) | 9.4421% | 611 |
| Cash dividends to net income (ytd only)* | 32.6087% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 3,599 |
| Loan loss allowance to noncurrent loans | 101.1270% | 3,259 |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 1,349 |
| Noncurrent loans to loans | 1.0118% | 1,474 |
| Net loans and leases to total assets | 84.2602% | 254 |
| Net loans and leases to deposits | 122.5417% | 93 |
| Net loans and leases to core deposits | 149.4677% | 119 |
| Total domestic deposits to total assets | 68.7604% | 4,793 |
| Equity capital to assets | 11.0357% | 2,371 |
| Core capital (leverage) ratio | 10.2557% | 2,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6692% | 2,338 |
| Memoranda: | ||
| Average total assets | $115,963,000 | 3,787 |
| Average earning assets | $111,891,750 | 3,725 |
| Average equity | $11,489,500 | 4,040 |
| Average total loans | $98,297,500 | 3,271 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5670% | 298 |
| Cost of funding earning assets | 1.3878% | 236 |
| Net interest margin | 4.1793% | 970 |
| Noninterest income to average assets | 0.1831% | 4,363 |
| Noninterest expense to average assets | 1.5695% | 4,805 |
| Loan and lease loss provision to assets | 0.1284% | 2,742 |
| Net operating income to assets | 2.5144% | 135 |
| Return on assets (ROA) | 2.6205% | 126 |
| Pretax return on assets | 2.6222% | 175 |
| Return on Equity (ROE) | 27.4586% | 84 |
| Retained earnings to average equity (ytd only) | 18.4911% | 114 |
| Net charge-offs to loans | 0.0061% | 2,748 |
| Credit loss provision to net charge-offs | 2,500.0000% | 405 |
| Earnings coverage of net charge-offs (x) | 515.0000% | 199 |
| Efficiency ratio | 37.2461% | 4,965 |
| Assets per employee ($millions) | 10.6756% | 419 |
| Cash dividends to net income (ytd only)* | 32.6584% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,644 |
| Loan loss allowance to noncurrent loans | 77.2053% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 1.0908% | 1,053 |
| Noncurrent loans to loans | 1.2773% | 1,218 |
| Net loans and leases to total assets | 84.5613% | 220 |
| Net loans and leases to deposits | 121.2523% | 89 |
| Net loans and leases to core deposits | 156.8876% | 87 |
| Total domestic deposits to total assets | 69.7399% | 4,798 |
| Equity capital to assets | 10.2170% | 2,997 |
| Core capital (leverage) ratio | 9.6569% | 3,182 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6495% | 2,753 |
| Memoranda: | ||
| Average total assets | $116,849,000 | 3,761 |
| Average earning assets | $112,699,333 | 3,699 |
| Average equity | $11,151,333 | 4,082 |
| Average total loans | $98,910,667 | 3,255 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 556 |
| Cost of funding earning assets | 1.4766% | 293 |
| Net interest margin | 3.8198% | 1,901 |
| Noninterest income to average assets | 0.2299% | 4,170 |
| Noninterest expense to average assets | 1.6026% | 4,854 |
| Loan and lease loss provision to assets | 0.2059% | 1,485 |
| Net operating income to assets | 2.0968% | 224 |
| Return on assets (ROA) | 2.1380% | 228 |
| Pretax return on assets | 2.1380% | 345 |
| Return on Equity (ROE) | 23.2289% | 94 |
| Retained earnings to average equity (ytd only) | 13.9075% | 263 |
| Net charge-offs to loans | 0.0163% | 2,047 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 167.7500% | 390 |
| Efficiency ratio | 41.0369% | 4,967 |
| Assets per employee ($millions) | 10.3515% | 343 |
| Cash dividends to net income (ytd only)* | 40.1284% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 3,678 |
| Loan loss allowance to noncurrent loans | 66.2807% | 3,801 |
| Noncurrent assets plus other real estate owned to assets | 1.2892% | 908 |
| Noncurrent loans to loans | 1.5164% | 1,055 |
| Net loans and leases to total assets | 84.1622% | 254 |
| Net loans and leases to deposits | 125.3899% | 59 |
| Net loans and leases to core deposits | 177.0325% | 53 |
| Total domestic deposits to total assets | 67.1204% | 4,944 |
| Equity capital to assets | 9.4584% | 4,258 |
| Core capital (leverage) ratio | 9.2001% | 4,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4258% | 2,958 |
| Memoranda: | ||
| Average total assets | $116,557,500 | 3,756 |
| Average earning assets | $112,153,000 | 3,681 |
| Average equity | $10,728,000 | 4,140 |
| Average total loans | $98,220,500 | 3,246 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4063% | 662 |
| Cost of funding earning assets | 1.6837% | 205 |
| Net interest margin | 3.7226% | 2,747 |
| Noninterest income to average assets | 0.2133% | 4,393 |
| Noninterest expense to average assets | 1.6245% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.1660% | 238 |
| Return on assets (ROA) | 2.2108% | 234 |
| Pretax return on assets | 2.2117% | 376 |
| Return on Equity (ROE) | 24.0441% | 98 |
| Retained earnings to average equity (ytd only) | 6.5766% | 1,574 |
| Net charge-offs to loans | -0.0104% | 4,477 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8472% | 5,011 |
| Assets per employee ($millions) | 11.9248% | 228 |
| Cash dividends to net income (ytd only)* | 72.6479% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 3,875 |
| Loan loss allowance to noncurrent loans | 66.7881% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.1514% | 1,036 |
| Noncurrent loans to loans | 1.3780% | 1,075 |
| Net loans and leases to total assets | 82.7838% | 453 |
| Net loans and leases to deposits | 133.7063% | 34 |
| Net loans and leases to core deposits | 179.9027% | 55 |
| Total domestic deposits to total assets | 61.9147% | 5,071 |
| Equity capital to assets | 8.9612% | 4,705 |
| Core capital (leverage) ratio | 8.6623% | 4,749 |
| Tier 1 risk-based capital ratio | 10.5239% | 5,014 |
| Total risk-based capital ratio | 11.4688% | 5,031 |
| Memoranda: | ||
| Average total assets | $113,941,800 | 3,776 |
| Average earning assets | $109,520,400 | 3,717 |
| Average equity | $10,476,600 | 4,176 |
| Average total loans | $96,365,000 | 3,274 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4122% | 679 |
| Cost of funding earning assets | 1.6974% | 201 |
| Net interest margin | 3.7147% | 2,869 |
| Noninterest income to average assets | 0.2143% | 4,442 |
| Noninterest expense to average assets | 1.5593% | 5,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2294% | 261 |
| Return on assets (ROA) | 2.2803% | 246 |
| Pretax return on assets | 2.2815% | 389 |
| Return on Equity (ROE) | 24.6343% | 98 |
| Retained earnings to average equity (ytd only) | 12.7392% | 309 |
| Net charge-offs to loans | -0.0140% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.1434% | 5,097 |
| Assets per employee ($millions) | 11.5893% | 236 |
| Cash dividends to net income (ytd only)* | 48.2866% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 3,892 |
| Loan loss allowance to noncurrent loans | 73.3014% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.0794% | 1,218 |
| Noncurrent loans to loans | 1.2775% | 1,220 |
| Net loans and leases to total assets | 83.7031% | 385 |
| Net loans and leases to deposits | 130.6021% | 41 |
| Net loans and leases to core deposits | 177.8491% | 62 |
| Total domestic deposits to total assets | 64.0902% | 5,122 |
| Equity capital to assets | 9.5062% | 4,443 |
| Core capital (leverage) ratio | 9.2655% | 4,411 |
| Tier 1 risk-based capital ratio | 10.9813% | 4,912 |
| Total risk-based capital ratio | 11.9396% | 4,940 |
| Memoranda: | ||
| Average total assets | $112,615,250 | 3,839 |
| Average earning assets | $108,395,250 | 3,781 |
| Average equity | $10,424,250 | 4,234 |
| Average total loans | $95,547,500 | 3,327 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 753 |
| Cost of funding earning assets | 1.7010% | 180 |
| Net interest margin | 3.6350% | 3,145 |
| Noninterest income to average assets | 0.2206% | 4,423 |
| Noninterest expense to average assets | 1.5459% | 5,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1718% | 281 |
| Return on assets (ROA) | 2.2309% | 258 |
| Pretax return on assets | 2.2327% | 419 |
| Return on Equity (ROE) | 24.3285% | 109 |
| Retained earnings to average equity (ytd only) | 12.2034% | 385 |
| Net charge-offs to loans | -0.0106% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5622% | 5,127 |
| Assets per employee ($millions) | 11.4007% | 244 |
| Cash dividends to net income (ytd only)* | 49.8392% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 3,888 |
| Loan loss allowance to noncurrent loans | 80.3524% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 1,399 |
| Noncurrent loans to loans | 1.1776% | 1,366 |
| Net loans and leases to total assets | 83.7431% | 380 |
| Net loans and leases to deposits | 122.2962% | 70 |
| Net loans and leases to core deposits | 165.7748% | 82 |
| Total domestic deposits to total assets | 68.4756% | 5,092 |
| Equity capital to assets | 9.2994% | 4,577 |
| Core capital (leverage) ratio | 9.0451% | 4,597 |
| Tier 1 risk-based capital ratio | 10.8506% | 4,974 |
| Total risk-based capital ratio | 11.8257% | 4,991 |
| Memoranda: | ||
| Average total assets | $111,522,670 | 3,878 |
| Average earning assets | $107,346,330 | 3,817 |
| Average equity | $10,226,670 | 4,271 |
| Average total loans | $94,755,670 | 3,357 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2352% | 845 |
| Cost of funding earning assets | 1.6596% | 186 |
| Net interest margin | 3.5756% | 3,345 |
| Noninterest income to average assets | 0.2503% | 4,222 |
| Noninterest expense to average assets | 1.6104% | 5,091 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.0783% | 340 |
| Return on assets (ROA) | 2.1473% | 306 |
| Pretax return on assets | 2.1473% | 488 |
| Return on Equity (ROE) | 23.5880% | 130 |
| Retained earnings to average equity (ytd only) | 23.5880% | 59 |
| Net charge-offs to loans | -0.0128% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6578% | 5,112 |
| Assets per employee ($millions) | 10.9527% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9742% | 3,848 |
| Loan loss allowance to noncurrent loans | 92.3858% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.8993% | 1,565 |
| Noncurrent loans to loans | 1.0544% | 1,583 |
| Net loans and leases to total assets | 84.4577% | 332 |
| Net loans and leases to deposits | 123.5726% | 67 |
| Net loans and leases to core deposits | 168.5292% | 67 |
| Total domestic deposits to total assets | 68.3466% | 5,164 |
| Equity capital to assets | 9.4735% | 4,285 |
| Core capital (leverage) ratio | 9.2529% | 4,408 |
| Tier 1 risk-based capital ratio | 11.0686% | 4,945 |
| Total risk-based capital ratio | 12.0642% | 4,963 |
| Memoranda: | ||
| Average total assets | $110,280,500 | 3,931 |
| Average earning assets | $106,051,000 | 3,883 |
| Average equity | $10,039,000 | 4,321 |
| Average total loans | $93,941,000 | 3,409 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4690% | 430 |
| Cost of funding earning assets | 1.4458% | 111 |
| Net interest margin | 4.0232% | 1,911 |
| Noninterest income to average assets | 0.2427% | 4,469 |
| Noninterest expense to average assets | 1.7276% | 5,064 |
| Loan and lease loss provision to assets | 0.0349% | 3,500 |
| Net operating income to assets | 2.3510% | 197 |
| Return on assets (ROA) | 2.3783% | 175 |
| Pretax return on assets | 2.3793% | 252 |
| Return on Equity (ROE) | 25.3723% | 87 |
| Retained earnings to average equity (ytd only) | 4.1414% | 3,281 |
| Net charge-offs to loans | 0.0067% | 3,449 |
| Credit loss provision to net charge-offs | 616.6667% | 559 |
| Earnings coverage of net charge-offs (x) | 421.1667% | 248 |
| Efficiency ratio | 41.9881% | 5,242 |
| Assets per employee ($millions) | 11.1034% | 252 |
| Cash dividends to net income (ytd only)* | 83.6775% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9601% | 3,915 |
| Loan loss allowance to noncurrent loans | 88.2296% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 1,488 |
| Noncurrent loans to loans | 1.0882% | 1,499 |
| Net loans and leases to total assets | 84.2634% | 394 |
| Net loans and leases to deposits | 128.9927% | 52 |
| Net loans and leases to core deposits | 184.8046% | 50 |
| Total domestic deposits to total assets | 65.3241% | 5,254 |
| Equity capital to assets | 8.7379% | 4,775 |
| Core capital (leverage) ratio | 8.7456% | 4,848 |
| Tier 1 risk-based capital ratio | 10.3561% | 5,228 |
| Total risk-based capital ratio | 11.3424% | 5,235 |
| Memoranda: | ||
| Average total assets | $105,872,000 | 4,005 |
| Average earning assets | $101,883,600 | 3,952 |
| Average equity | $9,924,200 | 4,308 |
| Average total loans | $90,058,600 | 3,482 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4774% | 383 |
| Cost of funding earning assets | 1.3737% | 111 |
| Net interest margin | 4.1038% | 1,616 |
| Noninterest income to average assets | 0.2486% | 4,490 |
| Noninterest expense to average assets | 1.6790% | 5,154 |
| Loan and lease loss provision to assets | 0.0191% | 3,624 |
| Net operating income to assets | 2.5026% | 163 |
| Return on assets (ROA) | 2.5268% | 155 |
| Pretax return on assets | 2.5281% | 223 |
| Return on Equity (ROE) | 26.4796% | 63 |
| Retained earnings to average equity (ytd only) | 16.3928% | 124 |
| Net charge-offs to loans | 0.0030% | 3,368 |
| Credit loss provision to net charge-offs | 750.0000% | 508 |
| Earnings coverage of net charge-offs (x) | 988.2397% | 88 |
| Efficiency ratio | 39.9575% | 5,334 |
| Assets per employee ($millions) | 9.7768% | 356 |
| Cash dividends to net income (ytd only)* | 38.0928% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9625% | 3,992 |
| Loan loss allowance to noncurrent loans | 88.4577% | 3,658 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 1,573 |
| Noncurrent loans to loans | 1.0881% | 1,563 |
| Net loans and leases to total assets | 85.0546% | 356 |
| Net loans and leases to deposits | 140.3591% | 24 |
| Net loans and leases to core deposits | 198.0342% | 40 |
| Total domestic deposits to total assets | 60.5979% | 5,388 |
| Equity capital to assets | 9.7169% | 3,904 |
| Core capital (leverage) ratio | 10.0037% | 3,629 |
| Tier 1 risk-based capital ratio | 11.5024% | 4,787 |
| Total risk-based capital ratio | 12.4914% | 4,822 |
| Memoranda: | ||
| Average total assets | $104,581,500 | 4,058 |
| Average earning assets | $100,750,750 | 4,003 |
| Average equity | $9,979,750 | 4,335 |
| Average total loans | $88,956,250 | 3,530 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5636% | 292 |
| Cost of funding earning assets | 1.3333% | 95 |
| Net interest margin | 4.2302% | 1,211 |
| Noninterest income to average assets | 0.2548% | 4,484 |
| Noninterest expense to average assets | 1.9557% | 4,870 |
| Loan and lease loss provision to assets | 0.0290% | 3,330 |
| Net operating income to assets | 2.3476% | 187 |
| Return on assets (ROA) | 2.3650% | 178 |
| Pretax return on assets | 2.3669% | 290 |
| Return on Equity (ROE) | 24.9415% | 85 |
| Retained earnings to average equity (ytd only) | 14.7002% | 222 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1225% | 5,250 |
| Assets per employee ($millions) | 8.5432% | 515 |
| Cash dividends to net income (ytd only)* | 41.0612% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,713 |
| Loan loss allowance to noncurrent loans | 69.7183% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.3656% | 1,022 |
| Noncurrent loans to loans | 1.4640% | 1,155 |
| Net loans and leases to total assets | 84.2818% | 427 |
| Net loans and leases to deposits | 136.5424% | 23 |
| Net loans and leases to core deposits | 188.8901% | 41 |
| Total domestic deposits to total assets | 61.7257% | 5,440 |
| Equity capital to assets | 9.7758% | 3,847 |
| Core capital (leverage) ratio | 9.6123% | 3,983 |
| Tier 1 risk-based capital ratio | 11.4932% | 4,788 |
| Total risk-based capital ratio | 12.5345% | 4,803 |
| Memoranda: | ||
| Average total assets | $103,593,670 | 4,118 |
| Average earning assets | $99,900,000 | 4,050 |
| Average equity | $9,823,000 | 4,404 |
| Average total loans | $87,821,330 | 3,568 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2699% | 429 |
| Cost of funding earning assets | 1.2697% | 98 |
| Net interest margin | 4.0002% | 1,728 |
| Noninterest income to average assets | 0.2804% | 4,296 |
| Noninterest expense to average assets | 1.8707% | 5,069 |
| Loan and lease loss provision to assets | 0.0576% | 2,617 |
| Net operating income to assets | 2.2087% | 243 |
| Return on assets (ROA) | 2.2280% | 235 |
| Pretax return on assets | 2.2318% | 356 |
| Return on Equity (ROE) | 23.8597% | 109 |
| Retained earnings to average equity (ytd only) | 23.8597% | 55 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1763% | 5,312 |
| Assets per employee ($millions) | 8.5511% | 522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0183% | 3,847 |
| Loan loss allowance to noncurrent loans | 77.2767% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1236% | 1,378 |
| Noncurrent loans to loans | 1.3177% | 1,353 |
| Net loans and leases to total assets | 84.4065% | 398 |
| Net loans and leases to deposits | 113.8628% | 182 |
| Net loans and leases to core deposits | 198.8292% | 41 |
| Total domestic deposits to total assets | 74.1300% | 5,140 |
| Equity capital to assets | 9.6693% | 3,918 |
| Core capital (leverage) ratio | 9.3621% | 4,240 |
| Tier 1 risk-based capital ratio | 11.3146% | 4,970 |
| Total risk-based capital ratio | 12.3547% | 4,979 |
| Memoranda: | ||
| Average total assets | $104,131,500 | 4,160 |
| Average earning assets | $100,494,500 | 4,087 |
| Average equity | $9,723,500 | 4,464 |
| Average total loans | $88,084,500 | 3,587 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4268% | 296 |
| Cost of funding earning assets | 1.2285% | 65 |
| Net interest margin | 4.1983% | 1,190 |
| Noninterest income to average assets | 0.2237% | 4,807 |
| Noninterest expense to average assets | 1.7142% | 5,322 |
| Loan and lease loss provision to assets | 0.1177% | 1,933 |
| Net operating income to assets | 2.4246% | 137 |
| Return on assets (ROA) | 2.4472% | 129 |
| Pretax return on assets | 2.4482% | 196 |
| Return on Equity (ROE) | 25.2480% | 65 |
| Retained earnings to average equity (ytd only) | 3.7052% | 3,007 |
| Net charge-offs to loans | 0.2330% | 1,112 |
| Credit loss provision to net charge-offs | 60.0000% | 3,212 |
| Earnings coverage of net charge-offs (x) | 12.9600% | 2,434 |
| Efficiency ratio | 40.2627% | 5,523 |
| Assets per employee ($millions) | 8.8042% | 477 |
| Cash dividends to net income (ytd only)* | 85.3248% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9880% | 4,016 |
| Loan loss allowance to noncurrent loans | 74.5532% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 1,357 |
| Noncurrent loans to loans | 1.3252% | 1,314 |
| Net loans and leases to total assets | 83.0951% | 546 |
| Net loans and leases to deposits | 114.2593% | 173 |
| Net loans and leases to core deposits | 196.4509% | 40 |
| Total domestic deposits to total assets | 72.7250% | 5,281 |
| Equity capital to assets | 9.0156% | 4,699 |
| Core capital (leverage) ratio | 8.7603% | 4,889 |
| Tier 1 risk-based capital ratio | 10.4356% | 5,392 |
| Total risk-based capital ratio | 11.4387% | 5,402 |
| Memoranda: | ||
| Average total assets | $101,913,000 | 4,203 |
| Average earning assets | $97,920,800 | 4,134 |
| Average equity | $9,878,000 | 4,471 |
| Average total loans | $85,834,800 | 3,617 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5084% | 252 |
| Cost of funding earning assets | 1.2047% | 67 |
| Net interest margin | 4.3037% | 917 |
| Noninterest income to average assets | 0.2205% | 4,896 |
| Noninterest expense to average assets | 1.6465% | 5,408 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.7094% | 103 |
| Return on assets (ROA) | 2.7305% | 102 |
| Pretax return on assets | 2.7319% | 151 |
| Return on Equity (ROE) | 27.6660% | 43 |
| Retained earnings to average equity (ytd only) | 17.3515% | 70 |
| Net charge-offs to loans | 0.0016% | 3,719 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2,058.0902% | 37 |
| Efficiency ratio | 37.7879% | 5,623 |
| Assets per employee ($millions) | 8.7366% | 478 |
| Cash dividends to net income (ytd only)* | 37.2823% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,504 |
| Loan loss allowance to noncurrent loans | 68.7545% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 1.3249% | 1,209 |
| Noncurrent loans to loans | 1.5939% | 1,153 |
| Net loans and leases to total assets | 82.2127% | 648 |
| Net loans and leases to deposits | 147.3880% | 13 |
| Net loans and leases to core deposits | 200.7102% | 41 |
| Total domestic deposits to total assets | 55.7798% | 5,673 |
| Equity capital to assets | 10.1069% | 3,792 |
| Core capital (leverage) ratio | 9.2519% | 4,462 |
| Tier 1 risk-based capital ratio | 10.9473% | 5,273 |
| Total risk-based capital ratio | 12.0490% | 5,256 |
| Memoranda: | ||
| Average total assets | $100,978,750 | 4,263 |
| Average earning assets | $97,062,000 | 4,192 |
| Average equity | $9,966,250 | 4,496 |
| Average total loans | $85,127,000 | 3,656 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 309 |
| Cost of funding earning assets | 1.1718% | 66 |
| Net interest margin | 4.1690% | 1,150 |
| Noninterest income to average assets | 0.2267% | 4,888 |
| Noninterest expense to average assets | 1.6230% | 5,477 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.6201% | 113 |
| Return on assets (ROA) | 2.6241% | 110 |
| Pretax return on assets | 2.6261% | 171 |
| Return on Equity (ROE) | 26.8134% | 58 |
| Retained earnings to average equity (ytd only) | 16.2766% | 100 |
| Net charge-offs to loans | 0.0024% | 3,424 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 1,307.0000% | 49 |
| Efficiency ratio | 38.2325% | 5,660 |
| Assets per employee ($millions) | 8.4573% | 517 |
| Cash dividends to net income (ytd only)* | 39.2966% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 3,484 |
| Loan loss allowance to noncurrent loans | 62.1340% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.5145% | 995 |
| Noncurrent loans to loans | 1.7971% | 1,005 |
| Net loans and leases to total assets | 83.3310% | 509 |
| Net loans and leases to deposits | 139.5239% | 23 |
| Net loans and leases to core deposits | 191.8580% | 47 |
| Total domestic deposits to total assets | 59.7253% | 5,700 |
| Equity capital to assets | 10.0061% | 3,901 |
| Core capital (leverage) ratio | 9.5311% | 4,101 |
| Tier 1 risk-based capital ratio | 11.0749% | 5,210 |
| Total risk-based capital ratio | 12.1834% | 5,189 |
| Memoranda: | ||
| Average total assets | $99,692,000 | 4,315 |
| Average earning assets | $96,091,000 | 4,231 |
| Average equity | $9,756,330 | 4,549 |
| Average total loans | $84,454,000 | 3,689 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1623% | 402 |
| Cost of funding earning assets | 1.1584% | 67 |
| Net interest margin | 4.0039% | 1,462 |
| Noninterest income to average assets | 0.2429% | 4,790 |
| Noninterest expense to average assets | 1.6195% | 5,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.4819% | 138 |
| Return on assets (ROA) | 2.4819% | 140 |
| Pretax return on assets | 2.4860% | 217 |
| Return on Equity (ROE) | 25.6566% | 79 |
| Retained earnings to average equity (ytd only) | 25.6566% | 45 |
| Net charge-offs to loans | 0.0048% | 2,813 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 614.0000% | 88 |
| Efficiency ratio | 39.4477% | 5,708 |
| Assets per employee ($millions) | 8.1510% | 579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,480 |
| Loan loss allowance to noncurrent loans | 55.7827% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.7718% | 816 |
| Noncurrent loans to loans | 2.0377% | 869 |
| Net loans and leases to total assets | 84.9211% | 294 |
| Net loans and leases to deposits | 114.6266% | 141 |
| Net loans and leases to core deposits | 187.9296% | 44 |
| Total domestic deposits to total assets | 74.0850% | 5,410 |
| Equity capital to assets | 10.0744% | 3,665 |
| Core capital (leverage) ratio | 9.5285% | 4,089 |
| Tier 1 risk-based capital ratio | 11.2956% | 5,140 |
| Total risk-based capital ratio | 12.4481% | 5,099 |
| Memoranda: | ||
| Average total assets | $98,794,000 | 4,373 |
| Average earning assets | $95,307,000 | 4,287 |
| Average equity | $9,557,000 | 4,611 |
| Average total loans | $83,918,000 | 3,719 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1771% | 429 |
| Cost of funding earning assets | 1.3143% | 31 |
| Net interest margin | 3.8628% | 2,091 |
| Noninterest income to average assets | 0.2458% | 4,954 |
| Noninterest expense to average assets | 1.6459% | 5,606 |
| Loan and lease loss provision to assets | 0.0999% | 2,382 |
| Net operating income to assets | 2.2145% | 221 |
| Return on assets (ROA) | 2.2175% | 229 |
| Pretax return on assets | 2.2185% | 314 |
| Return on Equity (ROE) | 22.3951% | 134 |
| Retained earnings to average equity (ytd only) | 1.4533% | 4,679 |
| Net charge-offs to loans | 0.1854% | 1,492 |
| Credit loss provision to net charge-offs | 64.5161% | 3,187 |
| Earnings coverage of net charge-offs (x) | 14.9484% | 2,248 |
| Efficiency ratio | 41.5489% | 5,759 |
| Assets per employee ($millions) | 9.0705% | 414 |
| Cash dividends to net income (ytd only)* | 93.5106% | 492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 3,485 |
| Loan loss allowance to noncurrent loans | 55.5491% | 4,558 |
| Noncurrent assets plus other real estate owned to assets | 1.7459% | 867 |
| Noncurrent loans to loans | 2.0533% | 868 |
| Net loans and leases to total assets | 83.0480% | 480 |
| Net loans and leases to deposits | 130.3148% | 42 |
| Net loans and leases to core deposits | 193.4988% | 43 |
| Total domestic deposits to total assets | 63.7288% | 5,795 |
| Equity capital to assets | 9.2808% | 4,494 |
| Core capital (leverage) ratio | 8.8341% | 4,925 |
| Tier 1 risk-based capital ratio | 10.6098% | 5,524 |
| Total risk-based capital ratio | 11.7693% | 5,497 |
| Memoranda: | ||
| Average total assets | $100,069,200 | 4,346 |
| Average earning assets | $96,250,600 | 4,267 |
| Average equity | $9,908,400 | 4,597 |
| Average total loans | $83,587,800 | 3,724 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1987% | 425 |
| Cost of funding earning assets | 1.3336% | 28 |
| Net interest margin | 3.8652% | 2,100 |
| Noninterest income to average assets | 0.2450% | 5,008 |
| Noninterest expense to average assets | 1.5005% | 5,759 |
| Loan and lease loss provision to assets | 0.1225% | 1,902 |
| Net operating income to assets | 2.3406% | 201 |
| Return on assets (ROA) | 2.3446% | 210 |
| Pretax return on assets | 2.3459% | 284 |
| Return on Equity (ROE) | 23.3150% | 116 |
| Retained earnings to average equity (ytd only) | 13.6369% | 191 |
| Net charge-offs to loans | 0.1197% | 1,754 |
| Credit loss provision to net charge-offs | 122.6667% | 2,060 |
| Earnings coverage of net charge-offs (x) | 24.6794% | 1,666 |
| Efficiency ratio | 37.8442% | 5,866 |
| Assets per employee ($millions) | 9.0135% | 408 |
| Cash dividends to net income (ytd only)* | 41.5104% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 3,081 |
| Loan loss allowance to noncurrent loans | 60.2579% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.7418% | 961 |
| Noncurrent loans to loans | 2.0371% | 959 |
| Net loans and leases to total assets | 83.4308% | 463 |
| Net loans and leases to deposits | 121.3686% | 103 |
| Net loans and leases to core deposits | 206.2843% | 40 |
| Total domestic deposits to total assets | 68.7417% | 5,748 |
| Equity capital to assets | 10.6286% | 3,429 |
| Core capital (leverage) ratio | 9.5863% | 4,074 |
| Tier 1 risk-based capital ratio | 11.6609% | 5,006 |
| Total risk-based capital ratio | 12.9054% | 4,911 |
| Memoranda: | ||
| Average total assets | $100,142,500 | 4,383 |
| Average earning assets | $96,379,750 | 4,298 |
| Average equity | $10,070,500 | 4,604 |
| Average total loans | $83,530,250 | 3,741 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 468 |
| Cost of funding earning assets | 1.3390% | 27 |
| Net interest margin | 3.7934% | 2,344 |
| Noninterest income to average assets | 0.2628% | 4,904 |
| Noninterest expense to average assets | 1.4969% | 5,838 |
| Loan and lease loss provision to assets | 0.1831% | 1,187 |
| Net operating income to assets | 2.2294% | 216 |
| Return on assets (ROA) | 2.2354% | 226 |
| Pretax return on assets | 2.2374% | 345 |
| Return on Equity (ROE) | 22.6533% | 137 |
| Retained earnings to average equity (ytd only) | 12.8093% | 247 |
| Net charge-offs to loans | 0.1654% | 1,345 |
| Credit loss provision to net charge-offs | 133.3333% | 1,741 |
| Earnings coverage of net charge-offs (x) | 17.5797% | 1,869 |
| Efficiency ratio | 38.2697% | 5,938 |
| Assets per employee ($millions) | 9.1679% | 367 |
| Cash dividends to net income (ytd only)* | 43.4550% | 2,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 3,231 |
| Loan loss allowance to noncurrent loans | 58.7166% | 4,607 |
| Noncurrent assets plus other real estate owned to assets | 1.7462% | 1,011 |
| Noncurrent loans to loans | 2.0832% | 941 |
| Net loans and leases to total assets | 82.7987% | 535 |
| Net loans and leases to deposits | 129.3330% | 47 |
| Net loans and leases to core deposits | 213.7737% | 42 |
| Total domestic deposits to total assets | 64.0198% | 5,931 |
| Equity capital to assets | 10.1252% | 4,064 |
| Core capital (leverage) ratio | 9.1961% | 4,602 |
| Tier 1 risk-based capital ratio | 10.9861% | 5,429 |
| Total risk-based capital ratio | 12.2157% | 5,367 |
| Memoranda: | ||
| Average total assets | $100,474,000 | 4,420 |
| Average earning assets | $96,640,330 | 4,334 |
| Average equity | $9,914,670 | 4,664 |
| Average total loans | $83,457,670 | 3,769 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1060% | 493 |
| Cost of funding earning assets | 1.3533% | 28 |
| Net interest margin | 3.7527% | 2,470 |
| Noninterest income to average assets | 0.3031% | 4,560 |
| Noninterest expense to average assets | 1.6034% | 5,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.3014% | 203 |
| Return on assets (ROA) | 2.3133% | 208 |
| Pretax return on assets | 2.3173% | 310 |
| Return on Equity (ROE) | 23.7547% | 117 |
| Retained earnings to average equity (ytd only) | 23.7547% | 57 |
| Net charge-offs to loans | 0.0338% | 2,292 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 82.5714% | 621 |
| Efficiency ratio | 41.0204% | 5,941 |
| Assets per employee ($millions) | 8.9644% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 3,347 |
| Loan loss allowance to noncurrent loans | 138.1018% | 2,933 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 2,868 |
| Noncurrent loans to loans | 0.8856% | 2,629 |
| Net loans and leases to total assets | 82.2357% | 531 |
| Net loans and leases to deposits | 122.4570% | 82 |
| Net loans and leases to core deposits | 200.0814% | 42 |
| Total domestic deposits to total assets | 67.1548% | 5,944 |
| Equity capital to assets | 10.2345% | 3,812 |
| Core capital (leverage) ratio | 9.2600% | 4,539 |
| Tier 1 risk-based capital ratio | 11.0980% | 5,454 |
| Total risk-based capital ratio | 12.3113% | 5,384 |
| Memoranda: | ||
| Average total assets | $100,287,500 | 4,461 |
| Average earning assets | $96,357,000 | 4,375 |
| Average equity | $9,766,500 | 4,715 |
| Average total loans | $82,919,500 | 3,784 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 484 |
| Cost of funding earning assets | 1.3957% | 25 |
| Net interest margin | 3.7366% | 2,616 |
| Noninterest income to average assets | 0.2599% | 5,036 |
| Noninterest expense to average assets | 1.5486% | 5,952 |
| Loan and lease loss provision to assets | 0.1703% | 1,346 |
| Net operating income to assets | 2.1330% | 278 |
| Return on assets (ROA) | 2.1360% | 281 |
| Pretax return on assets | 2.1370% | 396 |
| Return on Equity (ROE) | 22.2923% | 159 |
| Retained earnings to average equity (ytd only) | 4.3743% | 2,866 |
| Net charge-offs to loans | 0.0148% | 3,997 |
| Credit loss provision to net charge-offs | 1,408.3333% | 243 |
| Earnings coverage of net charge-offs (x) | 190.5833% | 349 |
| Efficiency ratio | 40.1935% | 6,061 |
| Assets per employee ($millions) | 9.2697% | 349 |
| Cash dividends to net income (ytd only)* | 80.3774% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 3,440 |
| Loan loss allowance to noncurrent loans | 166.5568% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 3,298 |
| Noncurrent loans to loans | 0.7248% | 3,010 |
| Net loans and leases to total assets | 81.1370% | 689 |
| Net loans and leases to deposits | 119.9168% | 105 |
| Net loans and leases to core deposits | 194.4052% | 46 |
| Total domestic deposits to total assets | 67.6611% | 5,982 |
| Equity capital to assets | 9.2589% | 4,839 |
| Core capital (leverage) ratio | 8.6060% | 5,323 |
| Tier 1 risk-based capital ratio | 10.2907% | 5,866 |
| Total risk-based capital ratio | 11.5000% | 5,806 |
| Memoranda: | ||
| Average total assets | $99,251,600 | 4,472 |
| Average earning assets | $95,433,800 | 4,403 |
| Average equity | $9,510,000 | 4,745 |
| Average total loans | $80,835,400 | 3,802 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 487 |
| Cost of funding earning assets | 1.4065% | 26 |
| Net interest margin | 3.7248% | 2,662 |
| Noninterest income to average assets | 0.2611% | 5,070 |
| Noninterest expense to average assets | 1.4649% | 6,064 |
| Loan and lease loss provision to assets | 0.1528% | 1,426 |
| Net operating income to assets | 2.2277% | 243 |
| Return on assets (ROA) | 2.2318% | 255 |
| Pretax return on assets | 2.2332% | 381 |
| Return on Equity (ROE) | 23.0911% | 160 |
| Retained earnings to average equity (ytd only) | 14.6524% | 180 |
| Net charge-offs to loans | 0.0150% | 3,657 |
| Credit loss provision to net charge-offs | 1,255.5556% | 291 |
| Earnings coverage of net charge-offs (x) | 195.6617% | 364 |
| Efficiency ratio | 38.0802% | 6,159 |
| Assets per employee ($millions) | 9.0421% | 366 |
| Cash dividends to net income (ytd only)* | 36.5454% | 2,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1710% | 3,814 |
| Loan loss allowance to noncurrent loans | 142.1365% | 2,922 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 3,220 |
| Noncurrent loans to loans | 0.8238% | 2,912 |
| Net loans and leases to total assets | 81.2905% | 666 |
| Net loans and leases to deposits | 119.4087% | 108 |
| Net loans and leases to core deposits | 202.4691% | 43 |
| Total domestic deposits to total assets | 68.0776% | 6,040 |
| Equity capital to assets | 10.0952% | 4,055 |
| Core capital (leverage) ratio | 9.3318% | 4,541 |
| Tier 1 risk-based capital ratio | 11.3066% | 5,483 |
| Total risk-based capital ratio | 12.4796% | 5,430 |
| Memoranda: | ||
| Average total assets | $98,572,750 | 4,538 |
| Average earning assets | $94,892,250 | 4,459 |
| Average equity | $9,527,250 | 4,803 |
| Average total loans | $80,108,250 | 3,853 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0917% | 516 |
| Cost of funding earning assets | 1.4194% | 21 |
| Net interest margin | 3.6723% | 2,827 |
| Noninterest income to average assets | 0.2544% | 5,128 |
| Noninterest expense to average assets | 1.4347% | 6,153 |
| Loan and lease loss provision to assets | 0.0834% | 2,449 |
| Net operating income to assets | 2.2691% | 231 |
| Return on assets (ROA) | 2.2752% | 241 |
| Pretax return on assets | 2.2752% | 355 |
| Return on Equity (ROE) | 23.8991% | 138 |
| Retained earnings to average equity (ytd only) | 15.3057% | 177 |
| Net charge-offs to loans | 0.0050% | 3,722 |
| Credit loss provision to net charge-offs | 2,050.0000% | 188 |
| Earnings coverage of net charge-offs (x) | 578.0000% | 115 |
| Efficiency ratio | 37.8829% | 6,240 |
| Assets per employee ($millions) | 9.0071% | 371 |
| Cash dividends to net income (ytd only)* | 35.9571% | 2,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 4,300 |
| Loan loss allowance to noncurrent loans | 112.6103% | 3,430 |
| Noncurrent assets plus other real estate owned to assets | 0.8004% | 2,984 |
| Noncurrent loans to loans | 0.9807% | 2,681 |
| Net loans and leases to total assets | 80.7142% | 704 |
| Net loans and leases to deposits | 122.5970% | 78 |
| Net loans and leases to core deposits | 196.6846% | 48 |
| Total domestic deposits to total assets | 65.8370% | 6,173 |
| Equity capital to assets | 9.6358% | 4,488 |
| Core capital (leverage) ratio | 9.1673% | 4,734 |
| Tier 1 risk-based capital ratio | 11.0192% | 5,700 |
| Total risk-based capital ratio | 12.1246% | 5,695 |
| Memoranda: | ||
| Average total assets | $98,276,000 | 4,583 |
| Average earning assets | $94,546,330 | 4,509 |
| Average equity | $9,356,000 | 4,866 |
| Average total loans | $79,540,330 | 3,899 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9215% | 666 |
| Cost of funding earning assets | 1.4255% | 20 |
| Net interest margin | 3.4960% | 3,455 |
| Noninterest income to average assets | 0.2695% | 5,023 |
| Noninterest expense to average assets | 1.3473% | 6,264 |
| Loan and lease loss provision to assets | 0.9513% | 89 |
| Net operating income to assets | 1.3310% | 1,180 |
| Return on assets (ROA) | 1.3433% | 1,220 |
| Pretax return on assets | 1.3473% | 2,089 |
| Return on Equity (ROE) | 14.0651% | 866 |
| Retained earnings to average equity (ytd only) | 14.0651% | 356 |
| Net charge-offs to loans | 0.0101% | 2,994 |
| Credit loss provision to net charge-offs | 11,650.0000% | 25 |
| Earnings coverage of net charge-offs (x) | 280.0000% | 209 |
| Efficiency ratio | 37.0787% | 6,321 |
| Assets per employee ($millions) | 8.6382% | 412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 4,173 |
| Loan loss allowance to noncurrent loans | 116.2760% | 3,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8083% | 3,091 |
| Noncurrent loans to loans | 1.0018% | 2,756 |
| Net loans and leases to total assets | 79.7369% | 711 |
| Net loans and leases to deposits | 109.7978% | 225 |
| Net loans and leases to core deposits | 174.8056% | 63 |
| Total domestic deposits to total assets | 72.6216% | 6,004 |
| Equity capital to assets | 10.0326% | 4,115 |
| Core capital (leverage) ratio | 9.1360% | 4,803 |
| Tier 1 risk-based capital ratio | 11.4934% | 5,560 |
| Total risk-based capital ratio | 11.4934% | 6,046 |
| Memoranda: | ||
| Average total assets | $97,971,000 | 4,625 |
| Average earning assets | $94,280,500 | 4,542 |
| Average equity | $9,356,500 | 4,906 |
| Average total loans | $78,879,000 | 3,930 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1806% | 541 |
| Cost of funding earning assets | 1.5005% | 24 |
| Net interest margin | 3.6800% | 3,084 |
| Noninterest income to average assets | 0.2475% | 5,358 |
| Noninterest expense to average assets | 1.6324% | 6,217 |
| Loan and lease loss provision to assets | 0.0232% | 4,142 |
| Net operating income to assets | 2.1253% | 257 |
| Return on assets (ROA) | 2.1253% | 264 |
| Pretax return on assets | 2.1253% | 386 |
| Return on Equity (ROE) | 22.0619% | 173 |
| Retained earnings to average equity (ytd only) | 4.2418% | 3,171 |
| Net charge-offs to loans | 0.1139% | 2,891 |
| Credit loss provision to net charge-offs | 25.8824% | 3,905 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,559 |
| Efficiency ratio | 43.1755% | 6,343 |
| Assets per employee ($millions) | 10.1021% | 244 |
| Cash dividends to net income (ytd only)* | 80.7730% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 4,983 |
| Loan loss allowance to noncurrent loans | 112.9121% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 0.7206% | 3,408 |
| Noncurrent loans to loans | 0.8959% | 3,075 |
| Net loans and leases to total assets | 79.6240% | 793 |
| Net loans and leases to deposits | 116.4724% | 132 |
| Net loans and leases to core deposits | 193.3024% | 46 |
| Total domestic deposits to total assets | 68.3630% | 6,253 |
| Equity capital to assets | 9.1852% | 5,091 |
| Core capital (leverage) ratio | 8.5700% | 5,479 |
| Tier 1 risk-based capital ratio | 10.6699% | 6,035 |
| Total risk-based capital ratio | 11.7045% | 6,063 |
| Memoranda: | ||
| Average total assets | $94,952,800 | 4,726 |
| Average earning assets | $91,167,600 | 4,627 |
| Average equity | $9,147,000 | 4,939 |
| Average total loans | $74,647,000 | 4,037 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 621 |
| Cost of funding earning assets | 1.5053% | 28 |
| Net interest margin | 3.6110% | 3,383 |
| Noninterest income to average assets | 0.2397% | 5,487 |
| Noninterest expense to average assets | 1.4555% | 6,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.2518% | 209 |
| Return on assets (ROA) | 2.2518% | 220 |
| Pretax return on assets | 2.2518% | 332 |
| Return on Equity (ROE) | 23.0848% | 152 |
| Retained earnings to average equity (ytd only) | 12.7273% | 355 |
| Net charge-offs to loans | 0.0164% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 175.3292% | 358 |
| Efficiency ratio | 39.2610% | 6,470 |
| Assets per employee ($millions) | 9.6448% | 269 |
| Cash dividends to net income (ytd only)* | 44.8670% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 4,570 |
| Loan loss allowance to noncurrent loans | 55.7680% | 4,926 |
| Noncurrent assets plus other real estate owned to assets | 1.6631% | 1,821 |
| Noncurrent loans to loans | 2.0395% | 1,542 |
| Net loans and leases to total assets | 78.8580% | 853 |
| Net loans and leases to deposits | 111.6417% | 187 |
| Net loans and leases to core deposits | 200.6305% | 44 |
| Total domestic deposits to total assets | 70.6350% | 6,249 |
| Equity capital to assets | 10.0044% | 4,156 |
| Core capital (leverage) ratio | 9.4437% | 4,445 |
| Tier 1 risk-based capital ratio | 11.8990% | 5,554 |
| Total risk-based capital ratio | 13.0611% | 5,527 |
| Memoranda: | ||
| Average total assets | $93,435,750 | 4,814 |
| Average earning assets | $89,723,000 | 4,709 |
| Average equity | $9,114,000 | 4,985 |
| Average total loans | $72,994,000 | 4,120 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0200% | 727 |
| Cost of funding earning assets | 1.5365% | 24 |
| Net interest margin | 3.4836% | 3,844 |
| Noninterest income to average assets | 0.2402% | 5,476 |
| Noninterest expense to average assets | 1.4973% | 6,424 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.0837% | 281 |
| Return on assets (ROA) | 2.0837% | 295 |
| Pretax return on assets | 2.0837% | 452 |
| Return on Equity (ROE) | 21.5541% | 218 |
| Retained earnings to average equity (ytd only) | 10.9897% | 543 |
| Net charge-offs to loans | 0.0223% | 3,761 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 120.3750% | 484 |
| Efficiency ratio | 41.8127% | 6,486 |
| Assets per employee ($millions) | 9.3630% | 290 |
| Cash dividends to net income (ytd only)* | 49.0135% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 4,477 |
| Loan loss allowance to noncurrent loans | 60.4138% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 1.5860% | 2,064 |
| Noncurrent loans to loans | 1.9661% | 1,720 |
| Net loans and leases to total assets | 77.8330% | 929 |
| Net loans and leases to deposits | 114.6536% | 136 |
| Net loans and leases to core deposits | 185.8914% | 45 |
| Total domestic deposits to total assets | 67.8853% | 6,427 |
| Equity capital to assets | 9.9252% | 4,210 |
| Core capital (leverage) ratio | 9.4270% | 4,437 |
| Tier 1 risk-based capital ratio | 11.9139% | 5,585 |
| Total risk-based capital ratio | 13.0483% | 5,579 |
| Memoranda: | ||
| Average total assets | $92,431,670 | 4,860 |
| Average earning assets | $88,645,000 | 4,764 |
| Average equity | $8,935,670 | 5,044 |
| Average total loans | $71,681,330 | 4,173 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9088% | 858 |
| Cost of funding earning assets | 1.5454% | 26 |
| Net interest margin | 3.3635% | 4,277 |
| Noninterest income to average assets | 0.2483% | 5,376 |
| Noninterest expense to average assets | 1.4897% | 6,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9819% | 352 |
| Return on assets (ROA) | 1.9819% | 364 |
| Pretax return on assets | 1.9819% | 553 |
| Return on Equity (ROE) | 20.7834% | 253 |
| Retained earnings to average equity (ytd only) | 20.7834% | 106 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9109% | 6,526 |
| Assets per employee ($millions) | 8.9789% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2866% | 4,191 |
| Loan loss allowance to noncurrent loans | 61.2613% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 1.6461% | 2,143 |
| Noncurrent loans to loans | 2.1002% | 1,755 |
| Net loans and leases to total assets | 75.5382% | 1,055 |
| Net loans and leases to deposits | 103.3634% | 314 |
| Net loans and leases to core deposits | 164.5759% | 62 |
| Total domestic deposits to total assets | 73.0802% | 6,301 |
| Equity capital to assets | 10.0770% | 3,751 |
| Core capital (leverage) ratio | 9.4873% | 4,302 |
| Tier 1 risk-based capital ratio | 12.6273% | 5,238 |
| Total risk-based capital ratio | 13.8776% | 5,171 |
| Memoranda: | ||
| Average total assets | $91,832,500 | 4,917 |
| Average earning assets | $88,004,500 | 4,822 |
| Average equity | $8,757,000 | 5,112 |
| Average total loans | $70,646,500 | 4,245 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 502 |
| Cost of funding earning assets | 1.6162% | 35 |
| Net interest margin | 3.7125% | 3,007 |
| Noninterest income to average assets | 0.2569% | 5,507 |
| Noninterest expense to average assets | 1.7109% | 6,429 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.0957% | 291 |
| Return on assets (ROA) | 2.0990% | 289 |
| Pretax return on assets | 2.1001% | 385 |
| Return on Equity (ROE) | 21.2573% | 221 |
| Retained earnings to average equity (ytd only) | -0.8857% | 6,045 |
| Net charge-offs to loans | 0.0483% | 4,549 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 56.4118% | 724 |
| Efficiency ratio | 44.9325% | 6,591 |
| Assets per employee ($millions) | 8.5342% | 389 |
| Cash dividends to net income (ytd only)* | 104.1667% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2179% | 4,549 |
| Loan loss allowance to noncurrent loans | 80.5100% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.2069% | 2,983 |
| Noncurrent loans to loans | 1.5127% | 2,627 |
| Net loans and leases to total assets | 76.3773% | 1,023 |
| Net loans and leases to deposits | 111.5016% | 149 |
| Net loans and leases to core deposits | 177.5632% | 52 |
| Total domestic deposits to total assets | 68.4989% | 6,571 |
| Equity capital to assets | 9.0183% | 5,015 |
| Core capital (leverage) ratio | 8.9892% | 5,024 |
| Tier 1 risk-based capital ratio | 11.2833% | 6,035 |
| Total risk-based capital ratio | 12.5164% | 5,981 |
| Memoranda: | ||
| Average total assets | $91,473,000 | 4,943 |
| Average earning assets | $87,487,400 | 4,842 |
| Average equity | $9,032,200 | 5,073 |
| Average total loans | $70,440,400 | 4,252 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4308% | 411 |
| Cost of funding earning assets | 1.6297% | 35 |
| Net interest margin | 3.8011% | 2,635 |
| Noninterest income to average assets | 0.2421% | 5,703 |
| Noninterest expense to average assets | 1.5934% | 6,563 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.2815% | 223 |
| Return on assets (ROA) | 2.2859% | 233 |
| Pretax return on assets | 2.2874% | 329 |
| Return on Equity (ROE) | 22.6437% | 183 |
| Retained earnings to average equity (ytd only) | 10.7405% | 630 |
| Net charge-offs to loans | 0.0095% | 4,958 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 311.0360% | 191 |
| Efficiency ratio | 41.1052% | 6,727 |
| Assets per employee ($millions) | 8.0026% | 465 |
| Cash dividends to net income (ytd only)* | 52.5673% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3599% | 4,082 |
| Loan loss allowance to noncurrent loans | 90.2174% | 3,733 |
| Noncurrent assets plus other real estate owned to assets | 1.1894% | 3,275 |
| Noncurrent loans to loans | 1.5073% | 2,911 |
| Net loans and leases to total assets | 75.2309% | 1,109 |
| Net loans and leases to deposits | 106.9612% | 213 |
| Net loans and leases to core deposits | 162.8390% | 69 |
| Total domestic deposits to total assets | 70.3348% | 6,582 |
| Equity capital to assets | 10.4511% | 3,341 |
| Core capital (leverage) ratio | 10.0335% | 3,634 |
| Tier 1 risk-based capital ratio | 13.4138% | 4,825 |
| Total risk-based capital ratio | 14.6697% | 4,760 |
| Memoranda: | ||
| Average total assets | $90,872,250 | 5,012 |
| Average earning assets | $86,885,250 | 4,903 |
| Average equity | $9,173,750 | 5,097 |
| Average total loans | $69,904,500 | 4,302 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4304% | 422 |
| Cost of funding earning assets | 1.6200% | 39 |
| Net interest margin | 3.8104% | 2,513 |
| Noninterest income to average assets | 0.2461% | 5,689 |
| Noninterest expense to average assets | 1.5313% | 6,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.3524% | 203 |
| Return on assets (ROA) | 2.3568% | 213 |
| Pretax return on assets | 2.3568% | 325 |
| Return on Equity (ROE) | 23.6116% | 150 |
| Retained earnings to average equity (ytd only) | 11.6967% | 544 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4279% | 6,815 |
| Assets per employee ($millions) | 8.0733% | 444 |
| Cash dividends to net income (ytd only)* | 50.4621% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3334% | 4,348 |
| Loan loss allowance to noncurrent loans | 154.8061% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 0.7072% | 4,455 |
| Noncurrent loans to loans | 0.8614% | 4,202 |
| Net loans and leases to total assets | 76.4892% | 926 |
| Net loans and leases to deposits | 110.3696% | 138 |
| Net loans and leases to core deposits | 166.5082% | 65 |
| Total domestic deposits to total assets | 69.3027% | 6,676 |
| Equity capital to assets | 10.2279% | 3,629 |
| Core capital (leverage) ratio | 9.7300% | 3,896 |
| Tier 1 risk-based capital ratio | 12.7870% | 5,297 |
| Total risk-based capital ratio | 14.0400% | 5,230 |
| Memoranda: | ||
| Average total assets | $91,820,000 | 5,015 |
| Average earning assets | $87,654,670 | 4,912 |
| Average equity | $9,165,000 | 5,135 |
| Average total loans | $70,826,670 | 4,283 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3614% | 454 |
| Cost of funding earning assets | 1.6102% | 41 |
| Net interest margin | 3.7512% | 2,656 |
| Noninterest income to average assets | 0.2700% | 5,524 |
| Noninterest expense to average assets | 1.3972% | 6,823 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.4473% | 170 |
| Return on assets (ROA) | 2.4473% | 182 |
| Pretax return on assets | 2.4473% | 288 |
| Return on Equity (ROE) | 24.8099% | 128 |
| Retained earnings to average equity (ytd only) | 24.8099% | 65 |
| Net charge-offs to loans | -0.0056% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.3434% | 6,916 |
| Assets per employee ($millions) | 8.9624% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3236% | 4,581 |
| Loan loss allowance to noncurrent loans | 142.9238% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.7174% | 4,579 |
| Noncurrent loans to loans | 0.9261% | 4,280 |
| Net loans and leases to total assets | 76.4427% | 786 |
| Net loans and leases to deposits | 107.5323% | 167 |
| Net loans and leases to core deposits | 154.9532% | 82 |
| Total domestic deposits to total assets | 71.0881% | 6,704 |
| Equity capital to assets | 10.5295% | 3,514 |
| Core capital (leverage) ratio | 9.4846% | 4,113 |
| Tier 1 risk-based capital ratio | 12.8412% | 5,346 |
| Total risk-based capital ratio | 14.0945% | 5,291 |
| Memoranda: | ||
| Average total assets | $93,327,000 | 5,020 |
| Average earning assets | $88,932,500 | 4,913 |
| Average equity | $9,206,000 | 5,179 |
| Average total loans | $71,817,500 | 4,274 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9469% | 289 |
| Cost of funding earning assets | 1.7616% | 62 |
| Net interest margin | 4.1853% | 1,697 |
| Noninterest income to average assets | 0.2271% | 5,816 |
| Noninterest expense to average assets | 1.6451% | 6,763 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.5738% | 141 |
| Return on assets (ROA) | 2.5738% | 155 |
| Pretax return on assets | 2.5738% | 234 |
| Return on Equity (ROE) | 26.9217% | 91 |
| Retained earnings to average equity (ytd only) | 7.1273% | 1,508 |
| Net charge-offs to loans | 0.0366% | 5,411 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 93.2692% | 413 |
| Efficiency ratio | 38.9937% | 6,950 |
| Assets per employee ($millions) | 9.7030% | 266 |
| Cash dividends to net income (ytd only)* | 73.5258% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 4,949 |
| Loan loss allowance to noncurrent loans | 131.3305% | 2,647 |
| Noncurrent assets plus other real estate owned to assets | 0.7204% | 4,676 |
| Noncurrent loans to loans | 0.9420% | 4,305 |
| Net loans and leases to total assets | 75.5302% | 984 |
| Net loans and leases to deposits | 109.3705% | 166 |
| Net loans and leases to core deposits | 172.5090% | 61 |
| Total domestic deposits to total assets | 69.0591% | 6,825 |
| Equity capital to assets | 9.2497% | 5,209 |
| Core capital (leverage) ratio | 8.5925% | 5,472 |
| Tier 1 risk-based capital ratio | 11.3077% | 6,210 |
| Total risk-based capital ratio | 12.5604% | 6,174 |
| Memoranda: | ||
| Average total assets | $94,217,400 | 4,980 |
| Average earning assets | $89,862,400 | 4,874 |
| Average equity | $9,007,600 | 5,225 |
| Average total loans | $71,036,600 | 4,322 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9827% | 290 |
| Cost of funding earning assets | 1.7586% | 70 |
| Net interest margin | 4.2242% | 1,668 |
| Noninterest income to average assets | 0.2053% | 6,058 |
| Noninterest expense to average assets | 1.5755% | 6,894 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.6676% | 141 |
| Return on assets (ROA) | 2.6676% | 152 |
| Pretax return on assets | 2.6676% | 225 |
| Return on Equity (ROE) | 27.6694% | 101 |
| Retained earnings to average equity (ytd only) | 17.9090% | 122 |
| Net charge-offs to loans | 0.0531% | 4,908 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 66.8256% | 605 |
| Efficiency ratio | 37.1304% | 7,057 |
| Assets per employee ($millions) | 9.4313% | 284 |
| Cash dividends to net income (ytd only)* | 35.2754% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2910% | 4,853 |
| Loan loss allowance to noncurrent loans | 176.8340% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 5,297 |
| Noncurrent loans to loans | 0.7300% | 4,965 |
| Net loans and leases to total assets | 74.2623% | 1,213 |
| Net loans and leases to deposits | 112.4944% | 127 |
| Net loans and leases to core deposits | 179.5872% | 58 |
| Total domestic deposits to total assets | 66.0142% | 6,981 |
| Equity capital to assets | 10.2489% | 4,139 |
| Core capital (leverage) ratio | 9.2343% | 4,694 |
| Tier 1 risk-based capital ratio | 12.5750% | 5,582 |
| Total risk-based capital ratio | 13.8299% | 5,541 |
| Memoranda: | ||
| Average total assets | $93,514,250 | 5,047 |
| Average earning assets | $89,388,500 | 4,930 |
| Average equity | $9,015,750 | 5,264 |
| Average total loans | $70,244,500 | 4,394 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0300% | 282 |
| Cost of funding earning assets | 1.7616% | 81 |
| Net interest margin | 4.2683% | 1,555 |
| Noninterest income to average assets | 0.1952% | 6,165 |
| Noninterest expense to average assets | 1.6408% | 6,892 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.6338% | 144 |
| Return on assets (ROA) | 2.6338% | 156 |
| Pretax return on assets | 2.6338% | 247 |
| Return on Equity (ROE) | 27.9123% | 104 |
| Retained earnings to average equity (ytd only) | 17.9111% | 145 |
| Net charge-offs to loans | 0.0686% | 4,468 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 51.1667% | 718 |
| Efficiency ratio | 38.3843% | 7,089 |
| Assets per employee ($millions) | 9.5177% | 275 |
| Cash dividends to net income (ytd only)* | 35.8306% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 4,902 |
| Loan loss allowance to noncurrent loans | 123.6559% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7817% | 4,834 |
| Noncurrent loans to loans | 1.0494% | 4,416 |
| Net loans and leases to total assets | 73.5251% | 1,328 |
| Net loans and leases to deposits | 104.8516% | 260 |
| Net loans and leases to core deposits | 175.9239% | 68 |
| Total domestic deposits to total assets | 70.1230% | 6,900 |
| Equity capital to assets | 9.6820% | 4,779 |
| Core capital (leverage) ratio | 8.7462% | 5,304 |
| Tier 1 risk-based capital ratio | 12.0253% | 5,910 |
| Total risk-based capital ratio | 13.2806% | 5,889 |
| Memoranda: | ||
| Average total assets | $93,248,000 | 5,087 |
| Average earning assets | $89,121,330 | 4,962 |
| Average equity | $8,799,000 | 5,320 |
| Average total loans | $70,007,670 | 4,421 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1679% | 240 |
| Cost of funding earning assets | 1.7700% | 96 |
| Net interest margin | 4.3979% | 1,230 |
| Noninterest income to average assets | 0.1951% | 6,219 |
| Noninterest expense to average assets | 1.5994% | 6,975 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.7957% | 125 |
| Return on assets (ROA) | 2.7957% | 148 |
| Pretax return on assets | 2.7957% | 228 |
| Return on Equity (ROE) | 30.0314% | 103 |
| Retained earnings to average equity (ytd only) | 19.7882% | 197 |
| Net charge-offs to loans | 0.1035% | 3,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 35.8333% | 819 |
| Efficiency ratio | 36.3905% | 7,175 |
| Assets per employee ($millions) | 9.3121% | 293 |
| Cash dividends to net income (ytd only)* | 34.1085% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3265% | 4,905 |
| Loan loss allowance to noncurrent loans | 153.3997% | 2,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6475% | 5,266 |
| Noncurrent loans to loans | 0.8647% | 4,941 |
| Net loans and leases to total assets | 73.8910% | 1,085 |
| Net loans and leases to deposits | 106.8414% | 191 |
| Net loans and leases to core deposits | 158.3978% | 93 |
| Total domestic deposits to total assets | 69.1595% | 7,015 |
| Equity capital to assets | 9.4103% | 4,942 |
| Core capital (leverage) ratio | 8.8434% | 5,075 |
| Tier 1 risk-based capital ratio | 11.7473% | 6,128 |
| Total risk-based capital ratio | 13.0030% | 6,105 |
| Memoranda: | ||
| Average total assets | $92,283,500 | 5,146 |
| Average earning assets | $88,133,500 | 5,019 |
| Average equity | $8,591,000 | 5,406 |
| Average total loans | $69,562,000 | 4,459 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3585% | 233 |
| Cost of funding earning assets | 1.9310% | 129 |
| Net interest margin | 4.4276% | 1,321 |
| Noninterest income to average assets | 0.2374% | 5,842 |
| Noninterest expense to average assets | 2.0652% | 6,554 |
| Loan and lease loss provision to assets | 0.0435% | 6,032 |
| Net operating income to assets | 2.3249% | 177 |
| Return on assets (ROA) | 2.3271% | 183 |
| Pretax return on assets | 2.3271% | 282 |
| Return on Equity (ROE) | 25.7593% | 90 |
| Retained earnings to average equity (ytd only) | 7.7105% | 1,186 |
| Net charge-offs to loans | 0.0133% | 6,246 |
| Credit loss provision to net charge-offs | 433.3333% | 524 |
| Earnings coverage of net charge-offs (x) | 236.1111% | 142 |
| Efficiency ratio | 46.5812% | 7,018 |
| Assets per employee ($millions) | 9.1446% | 310 |
| Cash dividends to net income (ytd only)* | 70.0670% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 4,632 |
| Loan loss allowance to noncurrent loans | 88.8053% | 3,371 |
| Noncurrent assets plus other real estate owned to assets | 1.2619% | 4,123 |
| Noncurrent loans to loans | 1.5319% | 3,852 |
| Net loans and leases to total assets | 74.8496% | 1,114 |
| Net loans and leases to deposits | 110.6858% | 162 |
| Net loans and leases to core deposits | 186.6974% | 70 |
| Total domestic deposits to total assets | 67.6235% | 7,087 |
| Equity capital to assets | 9.2065% | 5,272 |
| Core capital (leverage) ratio | 8.3358% | 5,801 |
| Tier 1 risk-based capital ratio | 11.0527% | 6,423 |
| Total risk-based capital ratio | 12.3080% | 6,407 |
| Memoranda: | ||
| Average total assets | $89,725,000 | 5,190 |
| Average earning assets | $85,035,600 | 5,088 |
| Average equity | $8,105,800 | 5,539 |
| Average total loans | $67,690,200 | 4,572 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4158% | 219 |
| Cost of funding earning assets | 1.9703% | 133 |
| Net interest margin | 4.4454% | 1,288 |
| Noninterest income to average assets | 0.2165% | 6,058 |
| Noninterest expense to average assets | 1.7007% | 7,097 |
| Loan and lease loss provision to assets | 0.0582% | 5,713 |
| Net operating income to assets | 2.6653% | 117 |
| Return on assets (ROA) | 2.6683% | 122 |
| Pretax return on assets | 2.6683% | 187 |
| Return on Equity (ROE) | 29.6806% | 61 |
| Retained earnings to average equity (ytd only) | 18.9344% | 96 |
| Net charge-offs to loans | -0.0238% | 6,941 |
| Credit loss provision to net charge-offs | -325.0000% | 6,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4408% | 7,282 |
| Assets per employee ($millions) | 9.0517% | 324 |
| Cash dividends to net income (ytd only)* | 36.2061% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 4,402 |
| Loan loss allowance to noncurrent loans | 169.7183% | 1,793 |
| Noncurrent assets plus other real estate owned to assets | 0.7998% | 5,171 |
| Noncurrent loans to loans | 0.8446% | 5,182 |
| Net loans and leases to total assets | 73.2349% | 1,466 |
| Net loans and leases to deposits | 106.5567% | 239 |
| Net loans and leases to core deposits | 114.1829% | 546 |
| Total domestic deposits to total assets | 68.7285% | 7,104 |
| Equity capital to assets | 9.7816% | 4,651 |
| Core capital (leverage) ratio | 8.8822% | 5,135 |
| Tier 1 risk-based capital ratio | 12.0727% | 5,848 |
| Total risk-based capital ratio | 13.3307% | 5,828 |
| Memoranda: | ||
| Average total assets | $89,294,750 | 5,237 |
| Average earning assets | $84,519,000 | 5,139 |
| Average equity | $8,027,500 | 5,591 |
| Average total loans | $67,265,000 | 4,622 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3301% | 267 |
| Cost of funding earning assets | 2.0232% | 130 |
| Net interest margin | 4.3070% | 1,629 |
| Noninterest income to average assets | 0.2138% | 6,143 |
| Noninterest expense to average assets | 1.7168% | 7,163 |
| Loan and lease loss provision to assets | 0.0675% | 5,464 |
| Net operating income to assets | 2.5200% | 162 |
| Return on assets (ROA) | 2.5245% | 167 |
| Pretax return on assets | 2.5245% | 236 |
| Return on Equity (ROE) | 28.9474% | 78 |
| Retained earnings to average equity (ytd only) | 17.8277% | 143 |
| Net charge-offs to loans | 0.0030% | 5,845 |
| Credit loss provision to net charge-offs | 3,000.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 1,150.0000% | 15 |
| Efficiency ratio | 39.8850% | 7,338 |
| Assets per employee ($millions) | 8.9832% | 329 |
| Cash dividends to net income (ytd only)* | 38.4135% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3783% | 4,691 |
| Loan loss allowance to noncurrent loans | 50.2397% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 2.1908% | 2,997 |
| Noncurrent loans to loans | 2.7435% | 2,655 |
| Net loans and leases to total assets | 75.1102% | 1,226 |
| Net loans and leases to deposits | 110.7585% | 166 |
| Net loans and leases to core deposits | 194.8397% | 73 |
| Total domestic deposits to total assets | 67.8144% | 7,199 |
| Equity capital to assets | 9.2094% | 5,266 |
| Core capital (leverage) ratio | 8.4335% | 5,657 |
| Tier 1 risk-based capital ratio | 11.0651% | 6,473 |
| Total risk-based capital ratio | 12.3126% | 6,463 |
| Memoranda: | ||
| Average total assets | $88,887,330 | 5,291 |
| Average earning assets | $84,421,670 | 5,181 |
| Average equity | $7,752,000 | 5,684 |
| Average total loans | $67,268,670 | 4,665 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2222% | 322 |
| Cost of funding earning assets | 2.0947% | 127 |
| Net interest margin | 4.1274% | 2,164 |
| Noninterest income to average assets | 0.2443% | 5,948 |
| Noninterest expense to average assets | 1.6513% | 7,268 |
| Loan and lease loss provision to assets | 0.0407% | 5,484 |
| Net operating income to assets | 2.4656% | 185 |
| Return on assets (ROA) | 2.4702% | 190 |
| Pretax return on assets | 2.4702% | 257 |
| Return on Equity (ROE) | 29.1530% | 93 |
| Retained earnings to average equity (ytd only) | 29.1530% | 63 |
| Net charge-offs to loans | 0.0060% | 5,042 |
| Credit loss provision to net charge-offs | 900.0000% | 420 |
| Earnings coverage of net charge-offs (x) | 554.0000% | 42 |
| Efficiency ratio | 39.7171% | 7,395 |
| Assets per employee ($millions) | 8.8327% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 4,761 |
| Loan loss allowance to noncurrent loans | 59.2164% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 1.8658% | 3,475 |
| Noncurrent loans to loans | 2.3322% | 3,159 |
| Net loans and leases to total assets | 74.5401% | 1,261 |
| Net loans and leases to deposits | 108.4055% | 204 |
| Net loans and leases to core deposits | 198.5734% | 77 |
| Total domestic deposits to total assets | 68.7604% | 7,238 |
| Equity capital to assets | 8.7810% | 5,523 |
| Core capital (leverage) ratio | 8.5341% | 5,382 |
| Tier 1 risk-based capital ratio | 11.3209% | 6,235 |
| Total risk-based capital ratio | 12.5703% | 6,221 |
| Memoranda: | ||
| Average total assets | $88,415,000 | 5,343 |
| Average earning assets | $83,829,500 | 5,240 |
| Average equity | $7,491,500 | 5,779 |
| Average total loans | $66,695,000 | 4,745 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6065% | 279 |
| Cost of funding earning assets | 2.3850% | 160 |
| Net interest margin | 4.2215% | 2,094 |
| Noninterest income to average assets | 0.2454% | 6,041 |
| Noninterest expense to average assets | 1.9800% | 7,053 |
| Loan and lease loss provision to assets | 0.0423% | 6,741 |
| Net operating income to assets | 2.2184% | 189 |
| Return on assets (ROA) | 2.2395% | 181 |
| Pretax return on assets | 2.2395% | 291 |
| Return on Equity (ROE) | 26.3420% | 80 |
| Retained earnings to average equity (ytd only) | 7.8736% | 1,021 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6907% | 7,326 |
| Assets per employee ($millions) | 8.8503% | 359 |
| Cash dividends to net income (ytd only)* | 70.1101% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,657 |
| Loan loss allowance to noncurrent loans | 89.7738% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 1.3378% | 4,346 |
| Noncurrent loans to loans | 1.5264% | 4,201 |
| Net loans and leases to total assets | 74.2529% | 1,608 |
| Net loans and leases to deposits | 121.1288% | 108 |
| Net loans and leases to core deposits | 212.6112% | 74 |
| Total domestic deposits to total assets | 61.3007% | 7,492 |
| Equity capital to assets | 8.1658% | 6,303 |
| Core capital (leverage) ratio | 8.0659% | 6,081 |
| Tier 1 risk-based capital ratio | 10.4606% | 6,725 |
| Total risk-based capital ratio | 11.7109% | 6,703 |
| Memoranda: | ||
| Average total assets | $85,152,200 | 5,434 |
| Average earning assets | $80,587,800 | 5,326 |
| Average equity | $7,239,400 | 5,950 |
| Average total loans | $61,787,400 | 4,995 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5231% | 323 |
| Cost of funding earning assets | 2.3648% | 215 |
| Net interest margin | 4.1584% | 2,372 |
| Noninterest income to average assets | 0.2246% | 6,296 |
| Noninterest expense to average assets | 1.7585% | 7,385 |
| Loan and lease loss provision to assets | 0.0427% | 6,661 |
| Net operating income to assets | 2.3609% | 172 |
| Return on assets (ROA) | 2.3894% | 172 |
| Pretax return on assets | 2.3894% | 276 |
| Return on Equity (ROE) | 27.8166% | 69 |
| Retained earnings to average equity (ytd only) | 14.5435% | 235 |
| Net charge-offs to loans | -0.0110% | 7,278 |
| Credit loss provision to net charge-offs | -540.0000% | 7,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2492% | 7,520 |
| Assets per employee ($millions) | 8.4743% | 424 |
| Cash dividends to net income (ytd only)* | 47.7167% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4761% | 4,068 |
| Loan loss allowance to noncurrent loans | 47.2699% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 2.2893% | 3,095 |
| Noncurrent loans to loans | 3.1227% | 2,555 |
| Net loans and leases to total assets | 71.5965% | 2,337 |
| Net loans and leases to deposits | 120.8914% | 106 |
| Net loans and leases to core deposits | 223.1199% | 71 |
| Total domestic deposits to total assets | 59.2238% | 7,605 |
| Equity capital to assets | 9.5087% | 4,827 |
| Core capital (leverage) ratio | 8.4515% | 5,598 |
| Tier 1 risk-based capital ratio | 11.7013% | 5,729 |
| Total risk-based capital ratio | 12.9565% | 5,699 |
| Memoranda: | ||
| Average total assets | $84,314,500 | 5,529 |
| Average earning assets | $79,837,000 | 5,415 |
| Average equity | $7,242,500 | 6,030 |
| Average total loans | $60,577,000 | 5,124 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5183% | 332 |
| Cost of funding earning assets | 2.3575% | 277 |
| Net interest margin | 4.1608% | 2,288 |
| Noninterest income to average assets | 0.2329% | 6,240 |
| Noninterest expense to average assets | 1.7512% | 7,455 |
| Loan and lease loss provision to assets | 0.0428% | 6,548 |
| Net operating income to assets | 2.3808% | 166 |
| Return on assets (ROA) | 2.4165% | 168 |
| Pretax return on assets | 2.4165% | 268 |
| Return on Equity (ROE) | 29.1794% | 65 |
| Retained earnings to average equity (ytd only) | 15.3787% | 222 |
| Net charge-offs to loans | -0.0232% | 7,303 |
| Credit loss provision to net charge-offs | -257.1429% | 6,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9465% | 7,593 |
| Assets per employee ($millions) | 8.3715% | 431 |
| Cash dividends to net income (ytd only)* | 47.2960% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4820% | 4,007 |
| Loan loss allowance to noncurrent loans | 35.0427% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 3.0747% | 2,313 |
| Noncurrent loans to loans | 4.2292% | 1,762 |
| Net loans and leases to total assets | 71.6252% | 2,506 |
| Net loans and leases to deposits | 118.8288% | 136 |
| Net loans and leases to core deposits | 228.2055% | 73 |
| Total domestic deposits to total assets | 60.2759% | 7,655 |
| Equity capital to assets | 8.9805% | 5,480 |
| Core capital (leverage) ratio | 8.2293% | 5,893 |
| Tier 1 risk-based capital ratio | 11.5689% | 5,701 |
| Total risk-based capital ratio | 12.8238% | 5,664 |
| Memoranda: | ||
| Average total assets | $84,171,670 | 5,559 |
| Average earning assets | $79,745,000 | 5,452 |
| Average equity | $6,970,670 | 6,148 |
| Average total loans | $60,242,000 | 5,165 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4346% | 406 |
| Cost of funding earning assets | 2.2984% | 438 |
| Net interest margin | 4.1362% | 2,291 |
| Noninterest income to average assets | 0.2607% | 6,062 |
| Noninterest expense to average assets | 1.7062% | 7,573 |
| Loan and lease loss provision to assets | 0.0427% | 6,252 |
| Net operating income to assets | 2.4265% | 168 |
| Return on assets (ROA) | 2.4265% | 186 |
| Pretax return on assets | 2.4265% | 280 |
| Return on Equity (ROE) | 30.5809% | 85 |
| Retained earnings to average equity (ytd only) | 30.5809% | 61 |
| Net charge-offs to loans | 0.0067% | 5,511 |
| Credit loss provision to net charge-offs | 900.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 521.0000% | 51 |
| Efficiency ratio | 40.8627% | 7,708 |
| Assets per employee ($millions) | 8.1940% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 3,783 |
| Loan loss allowance to noncurrent loans | 44.8555% | 5,363 |
| Noncurrent assets plus other real estate owned to assets | 2.4079% | 3,023 |
| Noncurrent loans to loans | 3.4000% | 2,351 |
| Net loans and leases to total assets | 69.7388% | 2,999 |
| Net loans and leases to deposits | 114.5951% | 204 |
| Net loans and leases to core deposits | 214.8190% | 90 |
| Total domestic deposits to total assets | 60.8567% | 7,743 |
| Equity capital to assets | 8.5282% | 5,965 |
| Core capital (leverage) ratio | 8.1570% | 5,980 |
| Tier 1 risk-based capital ratio | 11.9791% | 5,214 |
| Total risk-based capital ratio | 13.2323% | 5,174 |
| Memoranda: | ||
| Average total assets | $84,400,000 | 5,617 |
| Average earning assets | $79,881,000 | 5,509 |
| Average equity | $6,697,000 | 6,287 |
| Average total loans | $59,931,500 | 5,250 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7850% | 393 |
| Cost of funding earning assets | 2.5007% | 1,026 |
| Net interest margin | 4.2844% | 1,766 |
| Noninterest income to average assets | 0.2996% | 5,954 |
| Noninterest expense to average assets | 1.9209% | 7,470 |
| Loan and lease loss provision to assets | 0.2924% | 5,088 |
| Net operating income to assets | 2.1634% | 160 |
| Return on assets (ROA) | 2.4784% | 100 |
| Pretax return on assets | 2.4784% | 163 |
| Return on Equity (ROE) | 33.7947% | 34 |
| Retained earnings to average equity (ytd only) | 12.9020% | 161 |
| Net charge-offs to loans | 0.1074% | 6,075 |
| Credit loss provision to net charge-offs | 384.3750% | 828 |
| Earnings coverage of net charge-offs (x) | 32.2813% | 721 |
| Efficiency ratio | 43.8892% | 7,778 |
| Assets per employee ($millions) | 8.6860% | 387 |
| Cash dividends to net income (ytd only)* | 61.8225% | 1,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 4,129 |
| Loan loss allowance to noncurrent loans | 70.3288% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 1.4356% | 4,260 |
| Noncurrent loans to loans | 2.0167% | 3,627 |
| Net loans and leases to total assets | 70.1784% | 3,212 |
| Net loans and leases to deposits | 140.8238% | 58 |
| Net loans and leases to core deposits | 155.1937% | 411 |
| Total domestic deposits to total assets | 49.8342% | 7,908 |
| Equity capital to assets | 7.3751% | 7,139 |
| Core capital (leverage) ratio | 7.2036% | 7,066 |
| Tier 1 risk-based capital ratio | 10.3759% | 6,514 |
| Total risk-based capital ratio | 11.6311% | 6,484 |
| Memoranda: | ||
| Average total assets | $84,126,000 | 5,590 |
| Average earning assets | $80,058,800 | 5,456 |
| Average equity | $6,169,600 | 6,543 |
| Average total loans | $59,580,200 | 5,267 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8071% | 410 |
| Cost of funding earning assets | 2.5780% | 1,081 |
| Net interest margin | 4.2291% | 1,945 |
| Noninterest income to average assets | 0.3036% | 6,052 |
| Noninterest expense to average assets | 1.7129% | 7,754 |
| Loan and lease loss provision to assets | 0.2173% | 5,242 |
| Net operating income to assets | 2.4048% | 121 |
| Return on assets (ROA) | 2.8282% | 78 |
| Pretax return on assets | 2.8282% | 125 |
| Return on Equity (ROE) | 38.6211% | 27 |
| Retained earnings to average equity (ytd only) | 27.3402% | 23 |
| Net charge-offs to loans | 0.0316% | 6,447 |
| Credit loss provision to net charge-offs | 971.4286% | 383 |
| Earnings coverage of net charge-offs (x) | 117.1907% | 317 |
| Efficiency ratio | 39.5135% | 7,933 |
| Assets per employee ($millions) | 8.6788% | 403 |
| Cash dividends to net income (ytd only)* | 29.2092% | 2,904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3835% | 4,033 |
| Loan loss allowance to noncurrent loans | 90.4762% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.0405% | 4,998 |
| Noncurrent loans to loans | 1.5292% | 4,356 |
| Net loans and leases to total assets | 67.0991% | 4,163 |
| Net loans and leases to deposits | 142.9266% | 69 |
| Net loans and leases to core deposits | 159.4055% | 393 |
| Total domestic deposits to total assets | 46.9466% | 7,996 |
| Equity capital to assets | 8.0495% | 6,802 |
| Core capital (leverage) ratio | 8.0230% | 6,320 |
| Tier 1 risk-based capital ratio | 11.6192% | 5,319 |
| Total risk-based capital ratio | 12.8752% | 5,250 |
| Memoranda: | ||
| Average total assets | $83,442,500 | 5,636 |
| Average earning assets | $79,542,250 | 5,505 |
| Average equity | $6,110,500 | 6,627 |
| Average total loans | $59,016,750 | 5,338 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9107% | 375 |
| Cost of funding earning assets | 2.6776% | 1,085 |
| Net interest margin | 4.2331% | 1,870 |
| Noninterest income to average assets | 0.2769% | 6,281 |
| Noninterest expense to average assets | 1.5985% | 7,910 |
| Loan and lease loss provision to assets | 0.2332% | 4,722 |
| Net operating income to assets | 2.4779% | 114 |
| Return on assets (ROA) | 2.8107% | 82 |
| Pretax return on assets | 2.8107% | 128 |
| Return on Equity (ROE) | 39.7685% | 31 |
| Retained earnings to average equity (ytd only) | 27.9445% | 37 |
| Net charge-offs to loans | 0.0712% | 5,511 |
| Credit loss provision to net charge-offs | 457.1429% | 1,013 |
| Earnings coverage of net charge-offs (x) | 53.1429% | 661 |
| Efficiency ratio | 37.0913% | 8,059 |
| Assets per employee ($millions) | 8.5333% | 406 |
| Cash dividends to net income (ytd only)* | 29.7321% | 2,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 4,196 |
| Loan loss allowance to noncurrent loans | 170.5752% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.7090% | 5,636 |
| Noncurrent loans to loans | 0.7698% | 5,694 |
| Net loans and leases to total assets | 67.9081% | 4,165 |
| Net loans and leases to deposits | 144.6386% | 71 |
| Net loans and leases to core deposits | 162.3102% | 414 |
| Total domestic deposits to total assets | 46.9502% | 8,076 |
| Equity capital to assets | 7.2071% | 7,477 |
| Core capital (leverage) ratio | 7.5822% | 6,922 |
| Tier 1 risk-based capital ratio | 10.9416% | 5,935 |
| Total risk-based capital ratio | 12.1963% | 5,874 |
| Memoranda: | ||
| Average total assets | $82,327,330 | 5,721 |
| Average earning assets | $78,429,670 | 5,584 |
| Average equity | $5,818,670 | 6,787 |
| Average total loans | $59,005,330 | 5,379 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9328% | 384 |
| Cost of funding earning assets | 2.7264% | 1,190 |
| Net interest margin | 4.2064% | 1,871 |
| Noninterest income to average assets | 0.2821% | 6,172 |
| Noninterest expense to average assets | 1.6084% | 7,905 |
| Loan and lease loss provision to assets | 0.1633% | 4,842 |
| Net operating income to assets | 2.5190% | 132 |
| Return on assets (ROA) | 3.1971% | 67 |
| Pretax return on assets | 3.1971% | 106 |
| Return on Equity (ROE) | 45.7102% | 28 |
| Retained earnings to average equity (ytd only) | 45.7102% | 19 |
| Net charge-offs to loans | 0.1353% | 3,878 |
| Credit loss provision to net charge-offs | 165.0000% | 2,589 |
| Earnings coverage of net charge-offs (x) | 27.1000% | 1,148 |
| Efficiency ratio | 37.4856% | 8,091 |
| Assets per employee ($millions) | 8.1813% | 467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 4,716 |
| Loan loss allowance to noncurrent loans | 121.0256% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.7370% | 5,322 |
| Noncurrent loans to loans | 1.0024% | 4,992 |
| Net loans and leases to total assets | 70.4705% | 3,579 |
| Net loans and leases to deposits | 146.3411% | 71 |
| Net loans and leases to core deposits | 162.0541% | 466 |
| Total domestic deposits to total assets | 48.1549% | 8,112 |
| Equity capital to assets | 7.2287% | 7,541 |
| Core capital (leverage) ratio | 7.7829% | 6,770 |
| Tier 1 risk-based capital ratio | 10.7824% | 6,113 |
| Total risk-based capital ratio | 11.9545% | 6,092 |
| Memoranda: | ||
| Average total assets | $80,824,500 | 5,794 |
| Average earning assets | $77,025,000 | 5,654 |
| Average equity | $5,653,000 | 6,898 |
| Average total loans | $59,148,500 | 5,397 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1766% | 783 |
| Cost of funding earning assets | 3.2049% | 1,176 |
| Net interest margin | 3.9717% | 3,263 |
| Noninterest income to average assets | 0.3500% | 5,931 |
| Noninterest expense to average assets | 1.8227% | 7,725 |
| Loan and lease loss provision to assets | 0.2256% | 4,629 |
| Net operating income to assets | 2.0552% | 314 |
| Return on assets (ROA) | 2.0552% | 296 |
| Pretax return on assets | 2.0552% | 531 |
| Return on Equity (ROE) | 30.1058% | 59 |
| Retained earnings to average equity (ytd only) | 8.1324% | 805 |
| Net charge-offs to loans | 0.1261% | 4,978 |
| Credit loss provision to net charge-offs | 235.7143% | 2,011 |
| Earnings coverage of net charge-offs (x) | 23.8286% | 1,398 |
| Efficiency ratio | 44.4185% | 7,996 |
| Assets per employee ($millions) | 7.9836% | 472 |
| Cash dividends to net income (ytd only)* | 72.9874% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1596% | 4,851 |
| Loan loss allowance to noncurrent loans | 156.1798% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5799% | 5,442 |
| Noncurrent loans to loans | 0.7425% | 5,174 |
| Net loans and leases to total assets | 74.2021% | 3,059 |
| Net loans and leases to deposits | 147.2533% | 83 |
| Net loans and leases to core deposits | 157.3272% | 637 |
| Total domestic deposits to total assets | 50.3908% | 8,121 |
| Equity capital to assets | 6.7538% | 7,852 |
| Core capital (leverage) ratio | 7.2457% | 7,476 |
| Tier 1 risk-based capital ratio | 9.5021% | 7,305 |
| Total risk-based capital ratio | 10.6950% | 7,282 |
| Memoranda: | ||
| Average total assets | $73,133,000 | 5,932 |
| Average earning assets | $69,113,400 | 5,854 |
| Average equity | $4,992,400 | 7,145 |
| Average total loans | $55,516,400 | 5,471 |