Home > State Savings Bank > Performance and Condition Ratios
State Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6940% | 936 |
| Cost of funding earning assets | 1.7980% | 1,251 |
| Net interest margin | 3.8961% | 1,386 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.5982% | 2,007 |
| Loan and lease loss provision to assets | 0.2000% | 621 |
| Net operating income to assets | 1.0077% | 2,196 |
| Return on assets (ROA) | 1.0127% | 2,159 |
| Pretax return on assets | 1.0743% | 2,484 |
| Return on Equity (ROE) | 10.0700% | 2,479 |
| Retained earnings to average equity (ytd only) | 0.5647% | 3,941 |
| Net charge-offs to loans | 0.0017% | 2,761 |
| Credit loss provision to net charge-offs | 14,000.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 874.0000% | 172 |
| Efficiency ratio | 67.1181% | 2,219 |
| Assets per employee ($millions) | 7.1674% | 1,964 |
| Cash dividends to net income (ytd only)* | 94.3912% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4657% | 1,154 |
| Loan loss allowance to noncurrent loans | 412.0991% | 1,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3087% | 1,718 |
| Noncurrent loans to loans | 0.3557% | 1,919 |
| Net loans and leases to total assets | 85.5300% | 180 |
| Net loans and leases to deposits | 116.0963% | 113 |
| Net loans and leases to core deposits | 122.9444% | 546 |
| Total domestic deposits to total assets | 73.6700% | 4,124 |
| Equity capital to assets | 9.3222% | 2,476 |
| Core capital (leverage) ratio | 9.4390% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5246% | 2,710 |
| Memoranda: | ||
| Average total assets | $205,986,200 | 2,946 |
| Average earning assets | $192,552,000 | 2,928 |
| Average equity | $20,719,000 | 2,796 |
| Average total loans | $178,530,800 | 2,454 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5305% | 975 |
| Cost of funding earning assets | 1.6686% | 1,240 |
| Net interest margin | 3.8620% | 1,476 |
| Noninterest income to average assets | 0.2700% | 3,321 |
| Noninterest expense to average assets | 2.5796% | 2,003 |
| Loan and lease loss provision to assets | 0.2100% | 519 |
| Net operating income to assets | 1.0259% | 2,285 |
| Return on assets (ROA) | 1.0333% | 2,256 |
| Pretax return on assets | 1.0954% | 2,577 |
| Return on Equity (ROE) | 10.0700% | 2,617 |
| Retained earnings to average equity (ytd only) | 1.0424% | 3,944 |
| Net charge-offs to loans | 0.0030% | 2,419 |
| Credit loss provision to net charge-offs | 7,875.0000% | 69 |
| Earnings coverage of net charge-offs (x) | 490.5000% | 310 |
| Efficiency ratio | 66.5701% | 2,212 |
| Assets per employee ($millions) | 6.6130% | 2,238 |
| Cash dividends to net income (ytd only)* | 89.6486% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4834% | 1,151 |
| Loan loss allowance to noncurrent loans | 191.2860% | 2,554 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 822 |
| Noncurrent loans to loans | 0.7755% | 1,070 |
| Net loans and leases to total assets | 88.1800% | 74 |
| Net loans and leases to deposits | 119.7454% | 77 |
| Net loans and leases to core deposits | 127.8798% | 368 |
| Total domestic deposits to total assets | 73.6400% | 4,182 |
| Equity capital to assets | 10.1253% | 1,757 |
| Core capital (leverage) ratio | 9.8523% | 2,948 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.5367% | 2,436 |
| Memoranda: | ||
| Average total assets | $201,935,250 | 2,981 |
| Average earning assets | $188,500,250 | 2,963 |
| Average equity | $20,720,500 | 2,787 |
| Average total loans | $174,945,500 | 2,490 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2961% | 1,084 |
| Cost of funding earning assets | 1.4922% | 1,256 |
| Net interest margin | 3.8039% | 1,613 |
| Noninterest income to average assets | 0.2900% | 3,156 |
| Noninterest expense to average assets | 2.5942% | 1,944 |
| Loan and lease loss provision to assets | 0.2100% | 500 |
| Net operating income to assets | 0.9766% | 2,498 |
| Return on assets (ROA) | 0.9775% | 2,480 |
| Pretax return on assets | 1.0383% | 2,804 |
| Return on Equity (ROE) | 9.4800% | 2,840 |
| Retained earnings to average equity (ytd only) | 1.7095% | 3,783 |
| Net charge-offs to loans | 0.0023% | 2,276 |
| Credit loss provision to net charge-offs | 10,500.0000% | 50 |
| Earnings coverage of net charge-offs (x) | 626.0000% | 235 |
| Efficiency ratio | 67.5480% | 2,039 |
| Assets per employee ($millions) | 6.3736% | 2,410 |
| Cash dividends to net income (ytd only)* | 81.9756% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4462% | 1,367 |
| Loan loss allowance to noncurrent loans | 1,522.0930% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.2572% | 1,914 |
| Noncurrent loans to loans | 0.0950% | 3,025 |
| Net loans and leases to total assets | 84.8200% | 222 |
| Net loans and leases to deposits | 115.2617% | 128 |
| Net loans and leases to core deposits | 120.9694% | 490 |
| Total domestic deposits to total assets | 73.5900% | 4,221 |
| Equity capital to assets | 9.8764% | 1,924 |
| Core capital (leverage) ratio | 10.2543% | 2,518 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1282% | 2,594 |
| Memoranda: | ||
| Average total assets | $200,913,000 | 2,998 |
| Average earning assets | $187,648,667 | 2,976 |
| Average equity | $20,708,333 | 2,802 |
| Average total loans | $172,094,667 | 2,506 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9625% | 1,295 |
| Cost of funding earning assets | 1.2319% | 1,377 |
| Net interest margin | 3.7306% | 1,829 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 2.5993% | 1,952 |
| Loan and lease loss provision to assets | 0.2100% | 475 |
| Net operating income to assets | 0.8998% | 2,853 |
| Return on assets (ROA) | 0.9113% | 2,776 |
| Pretax return on assets | 0.9704% | 3,078 |
| Return on Equity (ROE) | 8.6500% | 3,146 |
| Retained earnings to average equity (ytd only) | 3.0954% | 3,482 |
| Net charge-offs to loans | 0.0024% | 1,939 |
| Credit loss provision to net charge-offs | 10,500.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 575.0000% | 199 |
| Efficiency ratio | 68.9189% | 1,865 |
| Assets per employee ($millions) | 6.0579% | 2,710 |
| Cash dividends to net income (ytd only)* | 64.2058% | 880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 1,346 |
| Loan loss allowance to noncurrent loans | 1,795.0000% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 1,896 |
| Noncurrent loans to loans | 0.0824% | 3,154 |
| Net loans and leases to total assets | 86.4000% | 125 |
| Net loans and leases to deposits | 115.5089% | 119 |
| Net loans and leases to core deposits | 121.3551% | 406 |
| Total domestic deposits to total assets | 74.8000% | 4,244 |
| Equity capital to assets | 10.7071% | 1,450 |
| Core capital (leverage) ratio | 11.0244% | 1,829 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4216% | 2,210 |
| Memoranda: | ||
| Average total assets | $196,204,500 | 3,062 |
| Average earning assets | $182,489,500 | 3,047 |
| Average equity | $20,676,000 | 2,830 |
| Average total loans | $167,632,000 | 2,565 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 1,216 |
| Cost of funding earning assets | 0.5413% | 1,152 |
| Net interest margin | 3.6724% | 1,447 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 2.4807% | 2,182 |
| Loan and lease loss provision to assets | 0.1300% | 938 |
| Net operating income to assets | 1.1215% | 2,082 |
| Return on assets (ROA) | 1.1299% | 1,997 |
| Pretax return on assets | 1.1957% | 2,452 |
| Return on Equity (ROE) | 10.7500% | 2,564 |
| Retained earnings to average equity (ytd only) | 4.8204% | 3,130 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.3592% | 2,312 |
| Assets per employee ($millions) | 6.2049% | 2,588 |
| Cash dividends to net income (ytd only)* | 55.1549% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4576% | 1,318 |
| Loan loss allowance to noncurrent loans | 1,733.0935% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.2387% | 1,956 |
| Noncurrent loans to loans | 0.0841% | 3,153 |
| Net loans and leases to total assets | 82.0200% | 404 |
| Net loans and leases to deposits | 103.0244% | 336 |
| Net loans and leases to core deposits | 104.2871% | 815 |
| Total domestic deposits to total assets | 79.6100% | 3,931 |
| Equity capital to assets | 10.3728% | 1,521 |
| Core capital (leverage) ratio | 11.0687% | 1,756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8171% | 2,444 |
| Memoranda: | ||
| Average total assets | $191,435,000 | 3,092 |
| Average earning assets | $178,656,000 | 3,074 |
| Average equity | $20,122,800 | 2,945 |
| Average total loans | $152,400,600 | 2,612 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0368% | 1,192 |
| Cost of funding earning assets | 0.4556% | 954 |
| Net interest margin | 3.5812% | 1,434 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 2.3832% | 2,390 |
| Loan and lease loss provision to assets | 0.1000% | 1,069 |
| Net operating income to assets | 1.1998% | 1,691 |
| Return on assets (ROA) | 1.2085% | 1,644 |
| Pretax return on assets | 1.2760% | 2,123 |
| Return on Equity (ROE) | 11.4600% | 2,220 |
| Retained earnings to average equity (ytd only) | 5.7119% | 2,853 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.5784% | 2,613 |
| Assets per employee ($millions) | 5.9020% | 2,844 |
| Cash dividends to net income (ytd only)* | 50.1454% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4680% | 1,390 |
| Loan loss allowance to noncurrent loans | 1,589.6552% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.2623% | 1,905 |
| Noncurrent loans to loans | 0.0923% | 3,220 |
| Net loans and leases to total assets | 84.5600% | 208 |
| Net loans and leases to deposits | 108.8758% | 138 |
| Net loans and leases to core deposits | 110.6125% | 451 |
| Total domestic deposits to total assets | 77.6600% | 4,282 |
| Equity capital to assets | 11.1952% | 1,104 |
| Core capital (leverage) ratio | 10.7096% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1110% | 2,013 |
| Memoranda: | ||
| Average total assets | $189,654,500 | 3,131 |
| Average earning assets | $177,032,250 | 3,110 |
| Average equity | $20,004,500 | 2,999 |
| Average total loans | $149,183,250 | 2,648 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7159% | 1,500 |
| Cost of funding earning assets | 0.4198% | 805 |
| Net interest margin | 3.2961% | 1,921 |
| Noninterest income to average assets | 0.4284% | 2,579 |
| Noninterest expense to average assets | 2.3368% | 2,437 |
| Loan and lease loss provision to assets | 0.0365% | 1,932 |
| Net operating income to assets | 1.0753% | 1,877 |
| Return on assets (ROA) | 1.0881% | 1,804 |
| Pretax return on assets | 1.1455% | 2,253 |
| Return on Equity (ROE) | 10.5215% | 2,161 |
| Retained earnings to average equity (ytd only) | 4.5351% | 2,867 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,422 |
| Assets per employee ($millions) | 6.7856% | 2,082 |
| Cash dividends to net income (ytd only)* | 56.8966% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 1,631 |
| Loan loss allowance to noncurrent loans | 1,476.5101% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.2460% | 2,097 |
| Noncurrent loans to loans | 0.0970% | 3,279 |
| Net loans and leases to total assets | 76.9527% | 642 |
| Net loans and leases to deposits | 97.5413% | 358 |
| Net loans and leases to core deposits | 99.5536% | 689 |
| Total domestic deposits to total assets | 78.8924% | 4,302 |
| Equity capital to assets | 10.2022% | 1,586 |
| Core capital (leverage) ratio | 10.1159% | 2,267 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7850% | 2,165 |
| Memoranda: | ||
| Average total assets | $191,885,333 | 3,147 |
| Average earning assets | $179,123,000 | 3,138 |
| Average equity | $19,845,000 | 3,085 |
| Average total loans | $146,573,667 | 2,678 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4807% | 1,867 |
| Cost of funding earning assets | 0.4269% | 745 |
| Net interest margin | 3.0538% | 2,314 |
| Noninterest income to average assets | 0.4878% | 2,205 |
| Noninterest expense to average assets | 2.2234% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0641% | 1,642 |
| Return on assets (ROA) | 1.1022% | 1,515 |
| Pretax return on assets | 1.1592% | 1,956 |
| Return on Equity (ROE) | 10.5831% | 1,764 |
| Retained earnings to average equity (ytd only) | 9.3870% | 1,166 |
| Net charge-offs to loans | 0.0028% | 1,688 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 530.0000% | 197 |
| Efficiency ratio | 66.5193% | 2,703 |
| Assets per employee ($millions) | 6.6775% | 2,239 |
| Cash dividends to net income (ytd only)* | 11.3027% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 1,627 |
| Loan loss allowance to noncurrent loans | 458.4746% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 0.2437% | 2,180 |
| Noncurrent loans to loans | 0.3220% | 2,316 |
| Net loans and leases to total assets | 74.5764% | 610 |
| Net loans and leases to deposits | 95.2568% | 306 |
| Net loans and leases to core deposits | 97.2682% | 601 |
| Total domestic deposits to total assets | 78.2899% | 4,388 |
| Equity capital to assets | 10.3079% | 1,684 |
| Core capital (leverage) ratio | 10.4473% | 1,901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4510% | 2,016 |
| Memoranda: | ||
| Average total assets | $189,437,000 | 3,177 |
| Average earning assets | $177,089,000 | 3,167 |
| Average equity | $19,729,500 | 3,167 |
| Average total loans | $143,046,000 | 2,715 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9405% | 1,515 |
| Cost of funding earning assets | 0.5184% | 857 |
| Net interest margin | 3.4221% | 1,960 |
| Noninterest income to average assets | 0.4336% | 2,888 |
| Noninterest expense to average assets | 2.3763% | 2,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2276% | 1,826 |
| Return on assets (ROA) | 1.2514% | 1,797 |
| Pretax return on assets | 1.3067% | 2,337 |
| Return on Equity (ROE) | 12.6524% | 1,585 |
| Retained earnings to average equity (ytd only) | 6.3981% | 2,176 |
| Net charge-offs to loans | 0.0022% | 2,557 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 811.0000% | 183 |
| Efficiency ratio | 64.9575% | 2,413 |
| Assets per employee ($millions) | 6.6153% | 2,227 |
| Cash dividends to net income (ytd only)* | 49.4316% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5518% | 1,384 |
| Loan loss allowance to noncurrent loans | 455.7895% | 1,548 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 2,277 |
| Noncurrent loans to loans | 0.3405% | 2,358 |
| Net loans and leases to total assets | 74.1512% | 653 |
| Net loans and leases to deposits | 95.7443% | 326 |
| Net loans and leases to core deposits | 97.8806% | 620 |
| Total domestic deposits to total assets | 77.4471% | 4,439 |
| Equity capital to assets | 10.5265% | 2,152 |
| Core capital (leverage) ratio | 10.1574% | 2,215 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7398% | 1,956 |
| Memoranda: | ||
| Average total assets | $189,791,800 | 3,133 |
| Average earning assets | $178,836,400 | 3,104 |
| Average equity | $18,771,200 | 3,319 |
| Average total loans | $139,181,600 | 2,735 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 1,901 |
| Cost of funding earning assets | 0.5286% | 914 |
| Net interest margin | 3.3261% | 2,343 |
| Noninterest income to average assets | 0.4120% | 3,024 |
| Noninterest expense to average assets | 2.2157% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2839% | 1,871 |
| Return on assets (ROA) | 1.3100% | 1,851 |
| Pretax return on assets | 1.3652% | 2,451 |
| Return on Equity (ROE) | 13.4553% | 1,556 |
| Retained earnings to average equity (ytd only) | 7.3588% | 2,289 |
| Net charge-offs to loans | 0.0019% | 2,331 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 958.0000% | 169 |
| Efficiency ratio | 62.3502% | 2,639 |
| Assets per employee ($millions) | 6.4951% | 2,251 |
| Cash dividends to net income (ytd only)* | 45.3092% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5424% | 1,480 |
| Loan loss allowance to noncurrent loans | 390.2703% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 0.2848% | 2,352 |
| Noncurrent loans to loans | 0.3952% | 2,379 |
| Net loans and leases to total assets | 70.9607% | 994 |
| Net loans and leases to deposits | 91.2986% | 526 |
| Net loans and leases to core deposits | 92.9639% | 872 |
| Total domestic deposits to total assets | 77.7237% | 4,445 |
| Equity capital to assets | 9.9172% | 2,983 |
| Core capital (leverage) ratio | 9.8149% | 2,691 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.2636% | 1,875 |
| Memoranda: | ||
| Average total assets | $190,933,000 | 3,163 |
| Average earning assets | $180,345,750 | 3,129 |
| Average equity | $18,589,500 | 3,378 |
| Average total loans | $139,098,750 | 2,772 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 1,952 |
| Cost of funding earning assets | 0.5452% | 967 |
| Net interest margin | 3.3014% | 2,432 |
| Noninterest income to average assets | 0.4377% | 2,917 |
| Noninterest expense to average assets | 2.1242% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3780% | 1,634 |
| Return on assets (ROA) | 1.4165% | 1,591 |
| Pretax return on assets | 1.4703% | 2,107 |
| Return on Equity (ROE) | 14.6419% | 1,246 |
| Retained earnings to average equity (ytd only) | 8.8527% | 1,757 |
| Net charge-offs to loans | 0.0029% | 2,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 678.0000% | 207 |
| Efficiency ratio | 59.7626% | 3,045 |
| Assets per employee ($millions) | 6.5865% | 2,104 |
| Cash dividends to net income (ytd only)* | 39.5383% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5778% | 1,333 |
| Loan loss allowance to noncurrent loans | 375.2166% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 2,465 |
| Noncurrent loans to loans | 0.4205% | 2,421 |
| Net loans and leases to total assets | 68.3472% | 1,408 |
| Net loans and leases to deposits | 87.7883% | 788 |
| Net loans and leases to core deposits | 89.6657% | 1,162 |
| Total domestic deposits to total assets | 77.8546% | 4,442 |
| Equity capital to assets | 9.6724% | 3,178 |
| Core capital (leverage) ratio | 9.7229% | 2,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7611% | 1,706 |
| Memoranda: | ||
| Average total assets | $189,626,333 | 3,177 |
| Average earning assets | $179,013,000 | 3,143 |
| Average equity | $18,344,667 | 3,398 |
| Average total loans | $138,653,333 | 2,797 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7525% | 2,239 |
| Cost of funding earning assets | 0.5759% | 985 |
| Net interest margin | 3.1766% | 2,769 |
| Noninterest income to average assets | 0.4266% | 2,948 |
| Noninterest expense to average assets | 2.2042% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1950% | 2,168 |
| Return on assets (ROA) | 1.2605% | 2,022 |
| Pretax return on assets | 1.2842% | 2,610 |
| Return on Equity (ROE) | 13.0282% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.7143% | 1,222 |
| Net charge-offs to loans | -0.0057% | 3,448 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4207% | 2,416 |
| Assets per employee ($millions) | 6.5982% | 2,095 |
| Cash dividends to net income (ytd only)* | 10.0855% | 2,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5395% | 1,465 |
| Loan loss allowance to noncurrent loans | 368.4211% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.3078% | 2,597 |
| Noncurrent loans to loans | 0.4179% | 2,602 |
| Net loans and leases to total assets | 72.5290% | 951 |
| Net loans and leases to deposits | 94.0404% | 492 |
| Net loans and leases to core deposits | 96.1360% | 876 |
| Total domestic deposits to total assets | 77.1253% | 4,508 |
| Equity capital to assets | 9.6286% | 3,068 |
| Core capital (leverage) ratio | 10.0388% | 2,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3576% | 1,792 |
| Memoranda: | ||
| Average total assets | $185,642,500 | 3,197 |
| Average earning assets | $175,029,000 | 3,163 |
| Average equity | $17,961,000 | 3,422 |
| Average total loans | $139,372,500 | 2,790 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 912 |
| Cost of funding earning assets | 0.8456% | 1,034 |
| Net interest margin | 3.8448% | 1,373 |
| Noninterest income to average assets | 0.4377% | 2,923 |
| Noninterest expense to average assets | 2.5539% | 2,685 |
| Loan and lease loss provision to assets | 0.1141% | 2,921 |
| Net operating income to assets | 1.3089% | 1,223 |
| Return on assets (ROA) | 1.3124% | 1,318 |
| Pretax return on assets | 1.3874% | 1,694 |
| Return on Equity (ROE) | 13.7160% | 881 |
| Retained earnings to average equity (ytd only) | 4.2164% | 2,704 |
| Net charge-offs to loans | 0.0173% | 2,743 |
| Credit loss provision to net charge-offs | 791.6667% | 909 |
| Earnings coverage of net charge-offs (x) | 103.9583% | 766 |
| Efficiency ratio | 63.0316% | 2,971 |
| Assets per employee ($millions) | 6.4264% | 1,973 |
| Cash dividends to net income (ytd only)* | 69.2589% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 1,368 |
| Loan loss allowance to noncurrent loans | 370.5983% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 2,694 |
| Noncurrent loans to loans | 0.4245% | 2,705 |
| Net loans and leases to total assets | 75.3732% | 858 |
| Net loans and leases to deposits | 99.1114% | 410 |
| Net loans and leases to core deposits | 101.4922% | 837 |
| Total domestic deposits to total assets | 76.0490% | 4,504 |
| Equity capital to assets | 9.7245% | 3,386 |
| Core capital (leverage) ratio | 9.8525% | 2,737 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6985% | 1,972 |
| Memoranda: | ||
| Average total assets | $166,571,000 | 3,225 |
| Average earning assets | $156,575,200 | 3,200 |
| Average equity | $15,937,600 | 3,557 |
| Average total loans | $138,540,600 | 2,768 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8404% | 825 |
| Cost of funding earning assets | 0.9060% | 1,052 |
| Net interest margin | 3.9344% | 1,271 |
| Noninterest income to average assets | 0.4362% | 2,902 |
| Noninterest expense to average assets | 2.5493% | 2,694 |
| Loan and lease loss provision to assets | 0.1550% | 2,463 |
| Net operating income to assets | 1.3429% | 1,253 |
| Return on assets (ROA) | 1.3437% | 1,346 |
| Pretax return on assets | 1.4286% | 1,638 |
| Return on Equity (ROE) | 14.1070% | 862 |
| Retained earnings to average equity (ytd only) | 7.2379% | 1,603 |
| Net charge-offs to loans | 0.0202% | 2,452 |
| Credit loss provision to net charge-offs | 904.7619% | 895 |
| Earnings coverage of net charge-offs (x) | 92.2857% | 836 |
| Efficiency ratio | 61.6920% | 3,122 |
| Assets per employee ($millions) | 6.1584% | 2,127 |
| Cash dividends to net income (ytd only)* | 48.6930% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 1,241 |
| Loan loss allowance to noncurrent loans | 340.2821% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.3700% | 2,671 |
| Noncurrent loans to loans | 0.4546% | 2,686 |
| Net loans and leases to total assets | 80.1345% | 601 |
| Net loans and leases to deposits | 106.9786% | 292 |
| Net loans and leases to core deposits | 110.5927% | 677 |
| Total domestic deposits to total assets | 74.9071% | 4,508 |
| Equity capital to assets | 9.2528% | 3,904 |
| Core capital (leverage) ratio | 9.3840% | 3,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4928% | 2,422 |
| Memoranda: | ||
| Average total assets | $163,229,250 | 3,237 |
| Average earning assets | $153,345,750 | 3,210 |
| Average equity | $15,547,500 | 3,605 |
| Average total loans | $138,727,500 | 2,769 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3085% | 474 |
| Cost of funding earning assets | 0.9685% | 1,075 |
| Net interest margin | 4.3400% | 690 |
| Noninterest income to average assets | 0.3871% | 3,161 |
| Noninterest expense to average assets | 2.4800% | 3,021 |
| Loan and lease loss provision to assets | 0.1623% | 2,377 |
| Net operating income to assets | 1.7246% | 596 |
| Return on assets (ROA) | 1.7270% | 645 |
| Pretax return on assets | 1.8157% | 789 |
| Return on Equity (ROE) | 17.8429% | 381 |
| Retained earnings to average equity (ytd only) | 9.6246% | 855 |
| Net charge-offs to loans | 0.0318% | 2,092 |
| Credit loss provision to net charge-offs | 590.9091% | 1,120 |
| Earnings coverage of net charge-offs (x) | 71.9091% | 871 |
| Efficiency ratio | 55.6614% | 3,986 |
| Assets per employee ($millions) | 6.0519% | 2,139 |
| Cash dividends to net income (ytd only)* | 46.0593% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 1,415 |
| Loan loss allowance to noncurrent loans | 382.0652% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 3,009 |
| Noncurrent loans to loans | 0.3791% | 3,056 |
| Net loans and leases to total assets | 84.6897% | 206 |
| Net loans and leases to deposits | 113.9357% | 160 |
| Net loans and leases to core deposits | 117.8708% | 479 |
| Total domestic deposits to total assets | 74.3311% | 4,568 |
| Equity capital to assets | 9.3583% | 3,772 |
| Core capital (leverage) ratio | 9.4695% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0994% | 2,567 |
| Memoranda: | ||
| Average total assets | $160,160,667 | 3,247 |
| Average earning assets | $150,136,667 | 3,217 |
| Average equity | $15,502,000 | 3,608 |
| Average total loans | $138,186,333 | 2,764 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9243% | 1,131 |
| Cost of funding earning assets | 1.0413% | 1,252 |
| Net interest margin | 3.8830% | 1,725 |
| Noninterest income to average assets | 0.3961% | 3,131 |
| Noninterest expense to average assets | 2.7753% | 2,498 |
| Loan and lease loss provision to assets | 0.1029% | 2,397 |
| Net operating income to assets | 1.1108% | 1,808 |
| Return on assets (ROA) | 1.1034% | 1,926 |
| Pretax return on assets | 1.1549% | 2,354 |
| Return on Equity (ROE) | 11.1981% | 1,358 |
| Retained earnings to average equity (ytd only) | 11.1981% | 541 |
| Net charge-offs to loans | 0.0595% | 1,415 |
| Credit loss provision to net charge-offs | 200.0000% | 1,417 |
| Earnings coverage of net charge-offs (x) | 24.6000% | 1,297 |
| Efficiency ratio | 68.6824% | 2,558 |
| Assets per employee ($millions) | 5.7694% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,353 |
| Loan loss allowance to noncurrent loans | 362.3656% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3582% | 3,005 |
| Noncurrent loans to loans | 0.4135% | 3,010 |
| Net loans and leases to total assets | 85.3295% | 179 |
| Net loans and leases to deposits | 118.1214% | 96 |
| Net loans and leases to core deposits | 123.5461% | 375 |
| Total domestic deposits to total assets | 72.2388% | 4,758 |
| Equity capital to assets | 9.9766% | 3,810 |
| Core capital (leverage) ratio | 10.0547% | 3,401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2581% | 2,588 |
| Memoranda: | ||
| Average total assets | $155,514,000 | 3,263 |
| Average earning assets | $145,970,500 | 3,227 |
| Average equity | $15,324,000 | 3,627 |
| Average total loans | $134,470,000 | 2,786 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2198% | 945 |
| Cost of funding earning assets | 1.2697% | 845 |
| Net interest margin | 3.9501% | 1,998 |
| Noninterest income to average assets | 0.4828% | 2,841 |
| Noninterest expense to average assets | 2.6194% | 3,121 |
| Loan and lease loss provision to assets | 0.0582% | 2,870 |
| Net operating income to assets | 1.4183% | 1,282 |
| Return on assets (ROA) | 1.4234% | 1,337 |
| Pretax return on assets | 1.4912% | 1,833 |
| Return on Equity (ROE) | 14.5954% | 776 |
| Retained earnings to average equity (ytd only) | 7.8740% | 1,017 |
| Net charge-offs to loans | 0.0305% | 2,785 |
| Credit loss provision to net charge-offs | 226.3158% | 1,182 |
| Earnings coverage of net charge-offs (x) | 60.0000% | 980 |
| Efficiency ratio | 62.9148% | 3,227 |
| Assets per employee ($millions) | 5.3536% | 2,191 |
| Cash dividends to net income (ytd only)* | 46.0514% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4941% | 1,249 |
| Loan loss allowance to noncurrent loans | 372.8119% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.3459% | 3,024 |
| Noncurrent loans to loans | 0.4008% | 3,007 |
| Net loans and leases to total assets | 85.0186% | 240 |
| Net loans and leases to deposits | 116.9247% | 102 |
| Net loans and leases to core deposits | 121.1321% | 448 |
| Total domestic deposits to total assets | 72.7123% | 4,841 |
| Equity capital to assets | 9.7306% | 4,169 |
| Core capital (leverage) ratio | 9.8711% | 3,650 |
| Tier 1 risk-based capital ratio | 11.6671% | 4,541 |
| Total risk-based capital ratio | 12.9208% | 4,428 |
| Memoranda: | ||
| Average total assets | $147,669,600 | 3,329 |
| Average earning assets | $137,590,400 | 3,317 |
| Average equity | $14,401,800 | 3,698 |
| Average total loans | $124,614,600 | 2,885 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2132% | 1,020 |
| Cost of funding earning assets | 1.3139% | 755 |
| Net interest margin | 3.8994% | 2,256 |
| Noninterest income to average assets | 0.4500% | 3,021 |
| Noninterest expense to average assets | 2.6360% | 3,055 |
| Loan and lease loss provision to assets | 0.0091% | 3,708 |
| Net operating income to assets | 1.3692% | 1,576 |
| Return on assets (ROA) | 1.3692% | 1,641 |
| Pretax return on assets | 1.4369% | 2,168 |
| Return on Equity (ROE) | 14.0308% | 977 |
| Retained earnings to average equity (ytd only) | 6.5421% | 2,091 |
| Net charge-offs to loans | -0.0055% | 4,226 |
| Credit loss provision to net charge-offs | -200.0000% | 4,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5754% | 2,928 |
| Assets per employee ($millions) | 5.0158% | 2,545 |
| Cash dividends to net income (ytd only)* | 53.3736% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4968% | 1,256 |
| Loan loss allowance to noncurrent loans | 340.2418% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 2,972 |
| Noncurrent loans to loans | 0.4399% | 2,993 |
| Net loans and leases to total assets | 86.1603% | 184 |
| Net loans and leases to deposits | 120.4616% | 91 |
| Net loans and leases to core deposits | 125.9024% | 363 |
| Total domestic deposits to total assets | 71.5251% | 4,941 |
| Equity capital to assets | 9.6894% | 4,302 |
| Core capital (leverage) ratio | 9.8075% | 3,845 |
| Tier 1 risk-based capital ratio | 11.4043% | 4,719 |
| Total risk-based capital ratio | 12.6581% | 4,610 |
| Memoranda: | ||
| Average total assets | $145,773,750 | 3,387 |
| Average earning assets | $135,779,250 | 3,374 |
| Average equity | $14,225,500 | 3,748 |
| Average total loans | $122,269,250 | 2,951 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1197% | 1,173 |
| Cost of funding earning assets | 1.3429% | 656 |
| Net interest margin | 3.7768% | 2,664 |
| Noninterest income to average assets | 0.3758% | 3,428 |
| Noninterest expense to average assets | 2.6032% | 3,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2177% | 2,081 |
| Return on assets (ROA) | 1.2177% | 2,140 |
| Pretax return on assets | 1.2870% | 2,608 |
| Return on Equity (ROE) | 12.4474% | 1,432 |
| Retained earnings to average equity (ytd only) | 4.8485% | 2,839 |
| Net charge-offs to loans | -0.0084% | 4,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9162% | 2,696 |
| Assets per employee ($millions) | 5.0678% | 2,393 |
| Cash dividends to net income (ytd only)* | 61.0478% | 1,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 904 |
| Loan loss allowance to noncurrent loans | 553.6723% | 934 |
| Noncurrent assets plus other real estate owned to assets | 0.2409% | 3,607 |
| Noncurrent loans to loans | 0.2994% | 3,465 |
| Net loans and leases to total assets | 79.1278% | 1,020 |
| Net loans and leases to deposits | 107.9197% | 275 |
| Net loans and leases to core deposits | 111.7076% | 876 |
| Total domestic deposits to total assets | 73.3210% | 4,878 |
| Equity capital to assets | 9.6757% | 4,253 |
| Core capital (leverage) ratio | 9.7949% | 3,833 |
| Tier 1 risk-based capital ratio | 11.6919% | 4,580 |
| Total risk-based capital ratio | 12.9466% | 4,481 |
| Memoranda: | ||
| Average total assets | $144,207,330 | 3,428 |
| Average earning assets | $134,187,000 | 3,420 |
| Average equity | $14,107,330 | 3,772 |
| Average total loans | $119,153,000 | 2,997 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0406% | 1,234 |
| Cost of funding earning assets | 1.3504% | 556 |
| Net interest margin | 3.6902% | 2,929 |
| Noninterest income to average assets | 0.3361% | 3,612 |
| Noninterest expense to average assets | 2.6773% | 2,974 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0250% | 2,762 |
| Return on assets (ROA) | 1.0250% | 2,797 |
| Pretax return on assets | 1.0950% | 3,167 |
| Return on Equity (ROE) | 10.4192% | 2,184 |
| Retained earnings to average equity (ytd only) | 10.4192% | 938 |
| Net charge-offs to loans | -0.0100% | 4,231 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9725% | 2,191 |
| Assets per employee ($millions) | 5.0222% | 2,489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6609% | 937 |
| Loan loss allowance to noncurrent loans | 687.0175% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1957% | 3,834 |
| Noncurrent loans to loans | 0.2418% | 3,704 |
| Net loans and leases to total assets | 79.5967% | 890 |
| Net loans and leases to deposits | 109.1078% | 243 |
| Net loans and leases to core deposits | 112.4261% | 813 |
| Total domestic deposits to total assets | 72.9524% | 5,002 |
| Equity capital to assets | 9.7760% | 4,028 |
| Core capital (leverage) ratio | 10.0543% | 3,541 |
| Tier 1 risk-based capital ratio | 12.4496% | 4,204 |
| Total risk-based capital ratio | 13.7052% | 4,061 |
| Memoranda: | ||
| Average total assets | $142,828,000 | 3,493 |
| Average earning assets | $133,000,500 | 3,469 |
| Average equity | $14,051,000 | 3,794 |
| Average total loans | $119,604,000 | 3,025 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2364% | 657 |
| Cost of funding earning assets | 1.0215% | 697 |
| Net interest margin | 4.2150% | 1,361 |
| Noninterest income to average assets | 0.4110% | 3,373 |
| Noninterest expense to average assets | 2.5525% | 3,460 |
| Loan and lease loss provision to assets | 0.1087% | 2,023 |
| Net operating income to assets | 1.5919% | 887 |
| Return on assets (ROA) | 1.5919% | 877 |
| Pretax return on assets | 1.6804% | 1,214 |
| Return on Equity (ROE) | 16.4566% | 543 |
| Retained earnings to average equity (ytd only) | 8.3257% | 1,106 |
| Net charge-offs to loans | -0.0066% | 4,404 |
| Credit loss provision to net charge-offs | -1,875.0000% | 4,826 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7911% | 4,040 |
| Assets per employee ($millions) | 4.8280% | 2,702 |
| Cash dividends to net income (ytd only)* | 49.4080% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 1,007 |
| Loan loss allowance to noncurrent loans | 622.6115% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 3,706 |
| Noncurrent loans to loans | 0.2588% | 3,651 |
| Net loans and leases to total assets | 85.2549% | 293 |
| Net loans and leases to deposits | 119.2964% | 104 |
| Net loans and leases to core deposits | 123.1487% | 467 |
| Total domestic deposits to total assets | 71.4648% | 5,101 |
| Equity capital to assets | 9.9019% | 3,759 |
| Core capital (leverage) ratio | 10.0083% | 3,563 |
| Tier 1 risk-based capital ratio | 11.8814% | 4,509 |
| Total risk-based capital ratio | 13.1369% | 4,389 |
| Memoranda: | ||
| Average total assets | $137,945,000 | 3,537 |
| Average earning assets | $128,637,000 | 3,513 |
| Average equity | $13,344,200 | 3,835 |
| Average total loans | $120,546,600 | 2,984 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1943% | 637 |
| Cost of funding earning assets | 0.9561% | 728 |
| Net interest margin | 4.2382% | 1,264 |
| Noninterest income to average assets | 0.4230% | 3,337 |
| Noninterest expense to average assets | 2.5506% | 3,439 |
| Loan and lease loss provision to assets | 0.1164% | 1,746 |
| Net operating income to assets | 1.6231% | 916 |
| Return on assets (ROA) | 1.6231% | 918 |
| Pretax return on assets | 1.7124% | 1,248 |
| Return on Equity (ROE) | 16.8803% | 555 |
| Retained earnings to average equity (ytd only) | 8.5562% | 1,394 |
| Net charge-offs to loans | -0.0055% | 4,243 |
| Credit loss provision to net charge-offs | -2,400.0000% | 4,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2410% | 4,080 |
| Assets per employee ($millions) | 4.9051% | 2,592 |
| Cash dividends to net income (ytd only)* | 49.3125% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5748% | 1,136 |
| Loan loss allowance to noncurrent loans | 582.4242% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.2403% | 3,756 |
| Noncurrent loans to loans | 0.2704% | 3,720 |
| Net loans and leases to total assets | 87.4657% | 163 |
| Net loans and leases to deposits | 121.2557% | 93 |
| Net loans and leases to core deposits | 125.1933% | 434 |
| Total domestic deposits to total assets | 72.1333% | 5,121 |
| Equity capital to assets | 9.8993% | 3,735 |
| Core capital (leverage) ratio | 9.9171% | 3,724 |
| Tier 1 risk-based capital ratio | 11.6791% | 4,686 |
| Total risk-based capital ratio | 12.9341% | 4,570 |
| Memoranda: | ||
| Average total assets | $137,428,000 | 3,578 |
| Average earning assets | $128,291,000 | 3,554 |
| Average equity | $13,214,250 | 3,884 |
| Average total loans | $120,352,500 | 3,015 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0626% | 713 |
| Cost of funding earning assets | 0.9113% | 701 |
| Net interest margin | 4.1513% | 1,407 |
| Noninterest income to average assets | 0.4176% | 3,374 |
| Noninterest expense to average assets | 2.4182% | 3,848 |
| Loan and lease loss provision to assets | 0.1310% | 1,518 |
| Net operating income to assets | 1.6573% | 789 |
| Return on assets (ROA) | 1.6573% | 800 |
| Pretax return on assets | 1.7460% | 1,102 |
| Return on Equity (ROE) | 17.4066% | 484 |
| Retained earnings to average equity (ytd only) | 8.7721% | 1,292 |
| Net charge-offs to loans | -0.0033% | 4,027 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3008% | 4,439 |
| Assets per employee ($millions) | 5.1243% | 2,271 |
| Cash dividends to net income (ytd only)* | 49.6049% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,191 |
| Loan loss allowance to noncurrent loans | 449.7619% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.3036% | 3,549 |
| Noncurrent loans to loans | 0.3481% | 3,450 |
| Net loans and leases to total assets | 85.8344% | 279 |
| Net loans and leases to deposits | 116.7432% | 147 |
| Net loans and leases to core deposits | 120.4151% | 552 |
| Total domestic deposits to total assets | 73.5241% | 5,082 |
| Equity capital to assets | 9.6295% | 3,982 |
| Core capital (leverage) ratio | 9.6962% | 3,892 |
| Tier 1 risk-based capital ratio | 11.3994% | 4,838 |
| Total risk-based capital ratio | 12.6537% | 4,742 |
| Memoranda: | ||
| Average total assets | $137,456,330 | 3,605 |
| Average earning assets | $128,392,670 | 3,577 |
| Average equity | $13,087,000 | 3,918 |
| Average total loans | $119,786,670 | 3,037 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 1,073 |
| Cost of funding earning assets | 0.8921% | 619 |
| Net interest margin | 3.9129% | 1,989 |
| Noninterest income to average assets | 0.3679% | 3,679 |
| Noninterest expense to average assets | 2.5780% | 3,402 |
| Loan and lease loss provision to assets | 0.0876% | 2,050 |
| Net operating income to assets | 1.2583% | 1,781 |
| Return on assets (ROA) | 1.2583% | 1,791 |
| Pretax return on assets | 1.3518% | 2,179 |
| Return on Equity (ROE) | 13.2932% | 1,187 |
| Retained earnings to average equity (ytd only) | 13.2932% | 480 |
| Net charge-offs to loans | -0.0067% | 4,107 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1715% | 3,453 |
| Assets per employee ($millions) | 5.5149% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5467% | 1,296 |
| Loan loss allowance to noncurrent loans | 140.0459% | 2,874 |
| Noncurrent assets plus other real estate owned to assets | 0.9472% | 1,670 |
| Noncurrent loans to loans | 1.1044% | 1,657 |
| Net loans and leases to total assets | 84.4429% | 391 |
| Net loans and leases to deposits | 116.1684% | 152 |
| Net loans and leases to core deposits | 120.8081% | 563 |
| Total domestic deposits to total assets | 72.6901% | 5,236 |
| Equity capital to assets | 9.5610% | 4,032 |
| Core capital (leverage) ratio | 9.6117% | 3,950 |
| Tier 1 risk-based capital ratio | 11.5198% | 4,852 |
| Total risk-based capital ratio | 12.7739% | 4,744 |
| Memoranda: | ||
| Average total assets | $137,006,500 | 3,645 |
| Average earning assets | $127,783,500 | 3,622 |
| Average equity | $12,969,000 | 3,974 |
| Average total loans | $119,357,000 | 3,075 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0469% | 591 |
| Cost of funding earning assets | 0.7902% | 653 |
| Net interest margin | 4.2567% | 1,065 |
| Noninterest income to average assets | 0.4741% | 3,162 |
| Noninterest expense to average assets | 2.6421% | 3,307 |
| Loan and lease loss provision to assets | 0.0156% | 3,980 |
| Net operating income to assets | 1.6447% | 593 |
| Return on assets (ROA) | 1.6447% | 611 |
| Pretax return on assets | 1.7274% | 945 |
| Return on Equity (ROE) | 17.1260% | 384 |
| Retained earnings to average equity (ytd only) | 7.5845% | 895 |
| Net charge-offs to loans | -0.0082% | 4,739 |
| Credit loss provision to net charge-offs | -222.2222% | 4,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2525% | 4,224 |
| Assets per employee ($millions) | 5.4456% | 1,989 |
| Cash dividends to net income (ytd only)* | 55.7136% | 1,983 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4918% | 1,432 |
| Loan loss allowance to noncurrent loans | 268.6099% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 2,915 |
| Noncurrent loans to loans | 0.5554% | 2,836 |
| Net loans and leases to total assets | 87.1632% | 180 |
| Net loans and leases to deposits | 121.1611% | 100 |
| Net loans and leases to core deposits | 127.4764% | 403 |
| Total domestic deposits to total assets | 71.9399% | 5,324 |
| Equity capital to assets | 9.3698% | 4,361 |
| Core capital (leverage) ratio | 9.5109% | 4,039 |
| Tier 1 risk-based capital ratio | 11.0886% | 5,095 |
| Total risk-based capital ratio | 12.3421% | 4,976 |
| Memoranda: | ||
| Average total assets | $128,230,200 | 3,772 |
| Average earning assets | $117,814,400 | 3,792 |
| Average equity | $12,314,600 | 4,084 |
| Average total loans | $110,260,000 | 3,178 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0011% | 613 |
| Cost of funding earning assets | 0.7538% | 741 |
| Net interest margin | 4.2473% | 1,052 |
| Noninterest income to average assets | 0.4731% | 3,191 |
| Noninterest expense to average assets | 2.6581% | 3,214 |
| Loan and lease loss provision to assets | 0.0053% | 4,014 |
| Net operating income to assets | 1.6253% | 673 |
| Return on assets (ROA) | 1.6253% | 695 |
| Pretax return on assets | 1.7013% | 1,120 |
| Return on Equity (ROE) | 16.8134% | 453 |
| Retained earnings to average equity (ytd only) | 7.5272% | 1,419 |
| Net charge-offs to loans | -0.0087% | 4,593 |
| Credit loss provision to net charge-offs | -71.4286% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9001% | 4,058 |
| Assets per employee ($millions) | 5.1807% | 2,244 |
| Cash dividends to net income (ytd only)* | 55.2309% | 1,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,363 |
| Loan loss allowance to noncurrent loans | 212.6643% | 2,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6214% | 2,651 |
| Noncurrent loans to loans | 0.7296% | 2,532 |
| Net loans and leases to total assets | 83.8475% | 448 |
| Net loans and leases to deposits | 116.3658% | 150 |
| Net loans and leases to core deposits | 123.1423% | 484 |
| Total domestic deposits to total assets | 72.0551% | 5,373 |
| Equity capital to assets | 9.2897% | 4,652 |
| Core capital (leverage) ratio | 9.6529% | 3,984 |
| Tier 1 risk-based capital ratio | 11.1411% | 5,167 |
| Total risk-based capital ratio | 12.3956% | 5,055 |
| Memoranda: | ||
| Average total assets | $126,252,750 | 3,844 |
| Average earning assets | $115,679,250 | 3,861 |
| Average equity | $12,204,250 | 4,142 |
| Average total loans | $107,709,750 | 3,242 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8336% | 799 |
| Cost of funding earning assets | 0.7077% | 862 |
| Net interest margin | 4.1258% | 1,258 |
| Noninterest income to average assets | 0.5152% | 2,927 |
| Noninterest expense to average assets | 2.6199% | 3,369 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5862% | 728 |
| Return on assets (ROA) | 1.5862% | 747 |
| Pretax return on assets | 1.6640% | 1,149 |
| Return on Equity (ROE) | 16.1800% | 506 |
| Retained earnings to average equity (ytd only) | 6.9249% | 1,632 |
| Net charge-offs to loans | -0.0095% | 4,510 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1573% | 4,142 |
| Assets per employee ($millions) | 4.7501% | 2,722 |
| Cash dividends to net income (ytd only)* | 57.2012% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 1,191 |
| Loan loss allowance to noncurrent loans | 220.7970% | 2,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6502% | 2,605 |
| Noncurrent loans to loans | 0.7397% | 2,547 |
| Net loans and leases to total assets | 86.4666% | 242 |
| Net loans and leases to deposits | 115.4028% | 170 |
| Net loans and leases to core deposits | 121.0652% | 513 |
| Total domestic deposits to total assets | 74.9259% | 5,208 |
| Equity capital to assets | 9.9132% | 4,009 |
| Core capital (leverage) ratio | 10.0435% | 3,486 |
| Tier 1 risk-based capital ratio | 11.4050% | 5,014 |
| Total risk-based capital ratio | 12.6598% | 4,908 |
| Memoranda: | ||
| Average total assets | $123,438,000 | 3,906 |
| Average earning assets | $112,752,670 | 3,930 |
| Average equity | $12,101,330 | 4,165 |
| Average total loans | $105,373,000 | 3,293 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7361% | 870 |
| Cost of funding earning assets | 0.6969% | 857 |
| Net interest margin | 4.0392% | 1,373 |
| Noninterest income to average assets | 0.5381% | 2,719 |
| Noninterest expense to average assets | 2.7908% | 2,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3516% | 1,114 |
| Return on assets (ROA) | 1.3516% | 1,149 |
| Pretax return on assets | 1.4294% | 1,771 |
| Return on Equity (ROE) | 13.8648% | 831 |
| Retained earnings to average equity (ytd only) | 13.8648% | 305 |
| Net charge-offs to loans | -0.0077% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1290% | 3,473 |
| Assets per employee ($millions) | 5.1894% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7028% | 1,136 |
| Loan loss allowance to noncurrent loans | 344.3580% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4127% | 3,533 |
| Noncurrent loans to loans | 0.4945% | 3,322 |
| Net loans and leases to total assets | 82.0410% | 563 |
| Net loans and leases to deposits | 106.8126% | 295 |
| Net loans and leases to core deposits | 112.4912% | 750 |
| Total domestic deposits to total assets | 76.8084% | 5,140 |
| Equity capital to assets | 9.8278% | 3,947 |
| Core capital (leverage) ratio | 10.0256% | 3,464 |
| Tier 1 risk-based capital ratio | 12.3217% | 4,497 |
| Total risk-based capital ratio | 13.5781% | 4,398 |
| Memoranda: | ||
| Average total assets | $123,406,000 | 3,942 |
| Average earning assets | $112,498,500 | 3,971 |
| Average equity | $12,030,500 | 4,207 |
| Average total loans | $103,779,000 | 3,347 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8271% | 840 |
| Cost of funding earning assets | 0.7364% | 674 |
| Net interest margin | 4.0907% | 1,400 |
| Noninterest income to average assets | 0.5213% | 3,091 |
| Noninterest expense to average assets | 2.6778% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4994% | 832 |
| Return on assets (ROA) | 1.4994% | 852 |
| Pretax return on assets | 1.5741% | 1,359 |
| Return on Equity (ROE) | 15.2205% | 599 |
| Retained earnings to average equity (ytd only) | 3.7491% | 3,250 |
| Net charge-offs to loans | -0.0306% | 5,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9792% | 4,109 |
| Assets per employee ($millions) | 5.0945% | 2,293 |
| Cash dividends to net income (ytd only)* | 75.3681% | 1,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7064% | 1,126 |
| Loan loss allowance to noncurrent loans | 343.3010% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 3,588 |
| Noncurrent loans to loans | 0.4971% | 3,380 |
| Net loans and leases to total assets | 83.2948% | 451 |
| Net loans and leases to deposits | 108.6686% | 257 |
| Net loans and leases to core deposits | 114.2380% | 686 |
| Total domestic deposits to total assets | 76.6503% | 5,160 |
| Equity capital to assets | 9.6682% | 4,098 |
| Core capital (leverage) ratio | 9.9017% | 3,621 |
| Tier 1 risk-based capital ratio | 11.9829% | 4,739 |
| Total risk-based capital ratio | 13.2399% | 4,618 |
| Memoranda: | ||
| Average total assets | $117,782,400 | 4,031 |
| Average earning assets | $107,415,200 | 4,051 |
| Average equity | $11,602,800 | 4,316 |
| Average total loans | $101,442,800 | 3,360 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 822 |
| Cost of funding earning assets | 0.7360% | 676 |
| Net interest margin | 4.1054% | 1,371 |
| Noninterest income to average assets | 0.5349% | 3,013 |
| Noninterest expense to average assets | 2.7189% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.5040% | 874 |
| Return on assets (ROA) | 1.5040% | 927 |
| Pretax return on assets | 1.5772% | 1,443 |
| Return on Equity (ROE) | 15.1938% | 645 |
| Retained earnings to average equity (ytd only) | 3.0480% | 4,085 |
| Net charge-offs to loans | -0.0370% | 5,248 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2881% | 4,027 |
| Assets per employee ($millions) | 4.8424% | 2,571 |
| Cash dividends to net income (ytd only)* | 79.9392% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7225% | 1,166 |
| Loan loss allowance to noncurrent loans | 304.8359% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4982% | 3,454 |
| Noncurrent loans to loans | 0.5650% | 3,307 |
| Net loans and leases to total assets | 86.6517% | 207 |
| Net loans and leases to deposits | 114.7389% | 173 |
| Net loans and leases to core deposits | 121.7658% | 462 |
| Total domestic deposits to total assets | 75.5208% | 5,285 |
| Equity capital to assets | 10.0330% | 4,100 |
| Core capital (leverage) ratio | 9.9831% | 3,596 |
| Tier 1 risk-based capital ratio | 11.9779% | 4,802 |
| Total risk-based capital ratio | 13.2353% | 4,698 |
| Memoranda: | ||
| Average total assets | $116,661,250 | 4,077 |
| Average earning assets | $106,881,750 | 4,087 |
| Average equity | $11,548,250 | 4,367 |
| Average total loans | $100,901,000 | 3,375 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 865 |
| Cost of funding earning assets | 0.7334% | 683 |
| Net interest margin | 4.0769% | 1,425 |
| Noninterest income to average assets | 0.5274% | 3,023 |
| Noninterest expense to average assets | 2.6402% | 3,573 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.5444% | 818 |
| Return on assets (ROA) | 1.5444% | 862 |
| Pretax return on assets | 1.6180% | 1,312 |
| Return on Equity (ROE) | 15.6720% | 581 |
| Retained earnings to average equity (ytd only) | 3.1274% | 3,913 |
| Net charge-offs to loans | -0.0538% | 5,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0024% | 4,352 |
| Assets per employee ($millions) | 4.7870% | 2,578 |
| Cash dividends to net income (ytd only)* | 80.0443% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7658% | 1,145 |
| Loan loss allowance to noncurrent loans | 578.3607% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.2655% | 4,436 |
| Noncurrent loans to loans | 0.3053% | 4,275 |
| Net loans and leases to total assets | 85.4181% | 295 |
| Net loans and leases to deposits | 112.4974% | 201 |
| Net loans and leases to core deposits | 119.7832% | 517 |
| Total domestic deposits to total assets | 75.9289% | 5,292 |
| Equity capital to assets | 10.0767% | 4,130 |
| Core capital (leverage) ratio | 9.8848% | 3,706 |
| Tier 1 risk-based capital ratio | 11.7722% | 4,997 |
| Total risk-based capital ratio | 13.0292% | 4,866 |
| Memoranda: | ||
| Average total assets | $116,809,330 | 4,110 |
| Average earning assets | $106,894,670 | 4,117 |
| Average equity | $11,511,000 | 4,395 |
| Average total loans | $100,378,330 | 3,403 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7451% | 959 |
| Cost of funding earning assets | 0.7251% | 713 |
| Net interest margin | 4.0199% | 1,555 |
| Noninterest income to average assets | 0.4721% | 3,331 |
| Noninterest expense to average assets | 2.5440% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5284% | 811 |
| Return on assets (ROA) | 1.5284% | 855 |
| Pretax return on assets | 1.5997% | 1,294 |
| Return on Equity (ROE) | 15.6822% | 570 |
| Retained earnings to average equity (ytd only) | 5.8547% | 2,444 |
| Net charge-offs to loans | -0.0994% | 5,634 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3934% | 4,544 |
| Assets per employee ($millions) | 4.9252% | 2,424 |
| Cash dividends to net income (ytd only)* | 62.6667% | 1,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 1,257 |
| Loan loss allowance to noncurrent loans | 326.2963% | 1,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 3,762 |
| Noncurrent loans to loans | 0.5348% | 3,586 |
| Net loans and leases to total assets | 83.9388% | 376 |
| Net loans and leases to deposits | 110.5825% | 212 |
| Net loans and leases to core deposits | 116.8313% | 570 |
| Total domestic deposits to total assets | 75.9061% | 5,416 |
| Equity capital to assets | 9.7839% | 4,361 |
| Core capital (leverage) ratio | 9.9486% | 3,598 |
| Tier 1 risk-based capital ratio | 11.8917% | 4,982 |
| Total risk-based capital ratio | 13.1484% | 4,885 |
| Memoranda: | ||
| Average total assets | $117,769,500 | 4,124 |
| Average earning assets | $107,564,500 | 4,135 |
| Average equity | $11,478,000 | 4,421 |
| Average total loans | $100,617,500 | 3,411 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 783 |
| Cost of funding earning assets | 0.7076% | 786 |
| Net interest margin | 4.1853% | 1,197 |
| Noninterest income to average assets | 0.5249% | 3,167 |
| Noninterest expense to average assets | 2.6034% | 3,910 |
| Loan and lease loss provision to assets | 0.1037% | 2,255 |
| Net operating income to assets | 1.5446% | 790 |
| Return on assets (ROA) | 1.5446% | 816 |
| Pretax return on assets | 1.6200% | 1,189 |
| Return on Equity (ROE) | 15.7947% | 578 |
| Retained earnings to average equity (ytd only) | 6.3922% | 1,607 |
| Net charge-offs to loans | -0.0051% | 4,980 |
| Credit loss provision to net charge-offs | -2,340.0000% | 5,664 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1639% | 4,885 |
| Assets per employee ($millions) | 4.8890% | 2,486 |
| Cash dividends to net income (ytd only)* | 59.5293% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7326% | 1,282 |
| Loan loss allowance to noncurrent loans | 440.8629% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3358% | 4,242 |
| Noncurrent loans to loans | 0.3930% | 4,048 |
| Net loans and leases to total assets | 83.9622% | 398 |
| Net loans and leases to deposits | 111.3828% | 213 |
| Net loans and leases to core deposits | 116.7277% | 584 |
| Total domestic deposits to total assets | 75.3816% | 5,512 |
| Equity capital to assets | 9.7081% | 4,292 |
| Core capital (leverage) ratio | 9.8566% | 3,704 |
| Tier 1 risk-based capital ratio | 11.7892% | 5,079 |
| Total risk-based capital ratio | 13.0462% | 4,993 |
| Memoranda: | ||
| Average total assets | $112,776,800 | 4,199 |
| Average earning assets | $102,454,000 | 4,228 |
| Average equity | $11,029,000 | 4,477 |
| Average total loans | $98,443,400 | 3,411 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9309% | 718 |
| Cost of funding earning assets | 0.6918% | 875 |
| Net interest margin | 4.2391% | 1,081 |
| Noninterest income to average assets | 0.5315% | 3,154 |
| Noninterest expense to average assets | 2.5391% | 4,082 |
| Loan and lease loss provision to assets | 0.1397% | 1,589 |
| Net operating income to assets | 1.6255% | 728 |
| Return on assets (ROA) | 1.6255% | 754 |
| Pretax return on assets | 1.7019% | 1,100 |
| Return on Equity (ROE) | 16.5893% | 523 |
| Retained earnings to average equity (ytd only) | 6.3505% | 2,041 |
| Net charge-offs to loans | 0.0095% | 3,835 |
| Credit loss provision to net charge-offs | 1,671.4286% | 217 |
| Earnings coverage of net charge-offs (x) | 220.3591% | 327 |
| Efficiency ratio | 57.9607% | 5,126 |
| Assets per employee ($millions) | 4.8106% | 2,546 |
| Cash dividends to net income (ytd only)* | 61.7193% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7433% | 1,378 |
| Loan loss allowance to noncurrent loans | 432.3308% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.3606% | 4,332 |
| Noncurrent loans to loans | 0.4032% | 4,170 |
| Net loans and leases to total assets | 87.8745% | 147 |
| Net loans and leases to deposits | 113.9090% | 169 |
| Net loans and leases to core deposits | 118.4871% | 514 |
| Total domestic deposits to total assets | 77.1445% | 5,321 |
| Equity capital to assets | 10.1353% | 4,016 |
| Core capital (leverage) ratio | 9.9601% | 3,692 |
| Tier 1 risk-based capital ratio | 12.0506% | 5,049 |
| Total risk-based capital ratio | 13.3080% | 4,961 |
| Memoranda: | ||
| Average total assets | $111,637,250 | 4,274 |
| Average earning assets | $101,371,750 | 4,296 |
| Average equity | $10,938,500 | 4,546 |
| Average total loans | $97,990,750 | 3,448 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9073% | 717 |
| Cost of funding earning assets | 0.6957% | 862 |
| Net interest margin | 4.2116% | 1,087 |
| Noninterest income to average assets | 0.5412% | 3,101 |
| Noninterest expense to average assets | 2.5686% | 4,009 |
| Loan and lease loss provision to assets | 0.1393% | 1,569 |
| Net operating income to assets | 1.5629% | 810 |
| Return on assets (ROA) | 1.5629% | 837 |
| Pretax return on assets | 1.6397% | 1,222 |
| Return on Equity (ROE) | 16.1340% | 599 |
| Retained earnings to average equity (ytd only) | 5.8082% | 2,354 |
| Net charge-offs to loans | 0.0225% | 3,212 |
| Credit loss provision to net charge-offs | 709.0909% | 478 |
| Earnings coverage of net charge-offs (x) | 90.5455% | 645 |
| Efficiency ratio | 59.0797% | 5,100 |
| Assets per employee ($millions) | 4.9389% | 2,348 |
| Cash dividends to net income (ytd only)* | 64.0000% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7134% | 1,568 |
| Loan loss allowance to noncurrent loans | 455.8266% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3248% | 4,580 |
| Noncurrent loans to loans | 0.3759% | 4,358 |
| Net loans and leases to total assets | 84.9411% | 296 |
| Net loans and leases to deposits | 109.8152% | 266 |
| Net loans and leases to core deposits | 114.0925% | 664 |
| Total domestic deposits to total assets | 77.3492% | 5,402 |
| Equity capital to assets | 9.6889% | 4,416 |
| Core capital (leverage) ratio | 9.7387% | 3,953 |
| Tier 1 risk-based capital ratio | 11.7740% | 5,298 |
| Total risk-based capital ratio | 13.0299% | 5,199 |
| Memoranda: | ||
| Average total assets | $111,968,670 | 4,300 |
| Average earning assets | $101,197,000 | 4,342 |
| Average equity | $10,846,670 | 4,594 |
| Average total loans | $97,670,330 | 3,480 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8247% | 819 |
| Cost of funding earning assets | 0.6853% | 923 |
| Net interest margin | 4.1394% | 1,186 |
| Noninterest income to average assets | 0.5434% | 3,004 |
| Noninterest expense to average assets | 2.5082% | 4,238 |
| Loan and lease loss provision to assets | 0.1403% | 1,463 |
| Net operating income to assets | 1.5798% | 735 |
| Return on assets (ROA) | 1.5798% | 770 |
| Pretax return on assets | 1.6553% | 1,147 |
| Return on Equity (ROE) | 16.3091% | 533 |
| Retained earnings to average equity (ytd only) | 5.9069% | 2,548 |
| Net charge-offs to loans | -0.0370% | 5,370 |
| Credit loss provision to net charge-offs | -433.3333% | 4,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2776% | 5,304 |
| Assets per employee ($millions) | 5.3528% | 1,943 |
| Cash dividends to net income (ytd only)* | 63.7813% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7046% | 1,723 |
| Loan loss allowance to noncurrent loans | 305.6985% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4839% | 4,091 |
| Noncurrent loans to loans | 0.5576% | 3,912 |
| Net loans and leases to total assets | 85.3099% | 233 |
| Net loans and leases to deposits | 110.5850% | 214 |
| Net loans and leases to core deposits | 115.3622% | 539 |
| Total domestic deposits to total assets | 77.1442% | 5,593 |
| Equity capital to assets | 9.6531% | 4,573 |
| Core capital (leverage) ratio | 9.8029% | 3,887 |
| Tier 1 risk-based capital ratio | 11.6581% | 5,461 |
| Total risk-based capital ratio | 12.9142% | 5,364 |
| Memoranda: | ||
| Average total assets | $111,156,000 | 4,343 |
| Average earning assets | $100,980,000 | 4,373 |
| Average equity | $10,767,000 | 4,650 |
| Average total loans | $97,420,500 | 3,497 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9666% | 830 |
| Cost of funding earning assets | 0.7094% | 1,051 |
| Net interest margin | 4.2572% | 1,149 |
| Noninterest income to average assets | 0.5065% | 3,455 |
| Noninterest expense to average assets | 2.6491% | 4,056 |
| Loan and lease loss provision to assets | -0.0258% | 5,951 |
| Net operating income to assets | 1.6951% | 585 |
| Return on assets (ROA) | 1.6951% | 604 |
| Pretax return on assets | 1.7762% | 837 |
| Return on Equity (ROE) | 17.3143% | 455 |
| Retained earnings to average equity (ytd only) | 8.4477% | 851 |
| Net charge-offs to loans | -0.0447% | 5,891 |
| Credit loss provision to net charge-offs | 67.5000% | 3,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2125% | 5,191 |
| Assets per employee ($millions) | 4.7784% | 2,621 |
| Cash dividends to net income (ytd only)* | 51.2099% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6601% | 1,895 |
| Loan loss allowance to noncurrent loans | 292.5725% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.5523% | 3,958 |
| Noncurrent loans to loans | 0.5674% | 3,967 |
| Net loans and leases to total assets | 87.0468% | 155 |
| Net loans and leases to deposits | 114.5370% | 153 |
| Net loans and leases to core deposits | 119.6780% | 418 |
| Total domestic deposits to total assets | 75.9988% | 5,729 |
| Equity capital to assets | 9.7204% | 4,438 |
| Core capital (leverage) ratio | 9.8583% | 3,764 |
| Tier 1 risk-based capital ratio | 12.0159% | 5,355 |
| Total risk-based capital ratio | 13.2724% | 5,256 |
| Memoranda: | ||
| Average total assets | $104,830,000 | 4,483 |
| Average earning assets | $95,860,600 | 4,511 |
| Average equity | $10,263,200 | 4,694 |
| Average total loans | $89,474,000 | 3,643 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9655% | 820 |
| Cost of funding earning assets | 0.7174% | 1,061 |
| Net interest margin | 4.2480% | 1,162 |
| Noninterest income to average assets | 0.5098% | 3,484 |
| Noninterest expense to average assets | 2.6521% | 4,008 |
| Loan and lease loss provision to assets | -0.0348% | 6,136 |
| Net operating income to assets | 1.6904% | 627 |
| Return on assets (ROA) | 1.6904% | 653 |
| Pretax return on assets | 1.7728% | 934 |
| Return on Equity (ROE) | 17.2335% | 525 |
| Retained earnings to average equity (ytd only) | 8.7677% | 1,073 |
| Net charge-offs to loans | -0.0548% | 5,943 |
| Credit loss provision to net charge-offs | 75.0000% | 2,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4106% | 5,126 |
| Assets per employee ($millions) | 4.5405% | 2,896 |
| Cash dividends to net income (ytd only)* | 49.1243% | 1,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7675% | 1,774 |
| Loan loss allowance to noncurrent loans | 267.6080% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.5765% | 4,115 |
| Noncurrent loans to loans | 0.6605% | 3,964 |
| Net loans and leases to total assets | 85.7362% | 207 |
| Net loans and leases to deposits | 107.1928% | 286 |
| Net loans and leases to core deposits | 112.8084% | 628 |
| Total domestic deposits to total assets | 79.9831% | 5,103 |
| Equity capital to assets | 10.0391% | 4,118 |
| Core capital (leverage) ratio | 10.1281% | 3,496 |
| Tier 1 risk-based capital ratio | 12.3916% | 5,234 |
| Total risk-based capital ratio | 13.6496% | 5,160 |
| Memoranda: | ||
| Average total assets | $103,561,750 | 4,558 |
| Average earning assets | $94,598,000 | 4,582 |
| Average equity | $10,158,250 | 4,754 |
| Average total loans | $87,522,000 | 3,719 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9448% | 827 |
| Cost of funding earning assets | 0.7234% | 1,061 |
| Net interest margin | 4.2214% | 1,195 |
| Noninterest income to average assets | 0.5384% | 3,215 |
| Noninterest expense to average assets | 2.7055% | 3,840 |
| Loan and lease loss provision to assets | -0.0523% | 6,298 |
| Net operating income to assets | 1.6558% | 634 |
| Return on assets (ROA) | 1.6558% | 667 |
| Pretax return on assets | 1.7391% | 946 |
| Return on Equity (ROE) | 17.0155% | 550 |
| Retained earnings to average equity (ytd only) | 8.5177% | 1,141 |
| Net charge-offs to loans | -0.0695% | 6,015 |
| Credit loss provision to net charge-offs | 90.0000% | 2,178 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5961% | 5,064 |
| Assets per employee ($millions) | 4.3020% | 3,277 |
| Cash dividends to net income (ytd only)* | 49.9415% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 1,727 |
| Loan loss allowance to noncurrent loans | 283.0688% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 4,342 |
| Noncurrent loans to loans | 0.6502% | 4,081 |
| Net loans and leases to total assets | 82.9031% | 383 |
| Net loans and leases to deposits | 100.0900% | 555 |
| Net loans and leases to core deposits | 105.7773% | 907 |
| Total domestic deposits to total assets | 82.8286% | 4,373 |
| Equity capital to assets | 9.9267% | 4,208 |
| Core capital (leverage) ratio | 9.7541% | 3,956 |
| Tier 1 risk-based capital ratio | 12.6399% | 5,131 |
| Total risk-based capital ratio | 13.8988% | 5,063 |
| Memoranda: | ||
| Average total assets | $103,271,670 | 4,598 |
| Average earning assets | $94,281,330 | 4,633 |
| Average equity | $10,049,670 | 4,793 |
| Average total loans | $86,313,670 | 3,759 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7903% | 1,067 |
| Cost of funding earning assets | 0.7152% | 1,156 |
| Net interest margin | 4.0752% | 1,533 |
| Noninterest income to average assets | 0.5073% | 3,349 |
| Noninterest expense to average assets | 2.5251% | 4,539 |
| Loan and lease loss provision to assets | -0.1046% | 6,499 |
| Net operating income to assets | 1.7350% | 540 |
| Return on assets (ROA) | 1.7350% | 558 |
| Pretax return on assets | 1.8164% | 782 |
| Return on Equity (ROE) | 18.0101% | 441 |
| Retained earnings to average equity (ytd only) | 10.2915% | 897 |
| Net charge-offs to loans | -0.1165% | 6,179 |
| Credit loss provision to net charge-offs | 108.0000% | 1,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5978% | 5,453 |
| Assets per employee ($millions) | 4.5573% | 2,878 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8699% | 1,840 |
| Loan loss allowance to noncurrent loans | 677.9661% | 730 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 5,456 |
| Noncurrent loans to loans | 0.2758% | 5,279 |
| Net loans and leases to total assets | 80.1065% | 537 |
| Net loans and leases to deposits | 97.1177% | 589 |
| Net loans and leases to core deposits | 102.9475% | 928 |
| Total domestic deposits to total assets | 82.4839% | 4,794 |
| Equity capital to assets | 9.6081% | 4,345 |
| Core capital (leverage) ratio | 9.7418% | 3,936 |
| Tier 1 risk-based capital ratio | 12.5967% | 5,259 |
| Total risk-based capital ratio | 13.8564% | 5,191 |
| Memoranda: | ||
| Average total assets | $103,284,000 | 4,645 |
| Average earning assets | $94,524,000 | 4,670 |
| Average equity | $9,950,000 | 4,825 |
| Average total loans | $85,870,500 | 3,799 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1802% | 673 |
| Cost of funding earning assets | 0.8404% | 991 |
| Net interest margin | 4.3397% | 1,016 |
| Noninterest income to average assets | 0.6640% | 2,738 |
| Noninterest expense to average assets | 2.6084% | 4,432 |
| Loan and lease loss provision to assets | 0.0895% | 3,323 |
| Net operating income to assets | 1.7684% | 512 |
| Return on assets (ROA) | 1.7684% | 529 |
| Pretax return on assets | 1.8519% | 676 |
| Return on Equity (ROE) | 17.9537% | 411 |
| Retained earnings to average equity (ytd only) | -0.5147% | 5,978 |
| Net charge-offs to loans | 0.0746% | 4,165 |
| Credit loss provision to net charge-offs | 140.6250% | 1,656 |
| Earnings coverage of net charge-offs (x) | 30.5156% | 1,172 |
| Efficiency ratio | 57.3301% | 5,812 |
| Assets per employee ($millions) | 4.4239% | 3,042 |
| Cash dividends to net income (ytd only)* | 102.8668% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8590% | 1,898 |
| Loan loss allowance to noncurrent loans | 638.2470% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 5,461 |
| Noncurrent loans to loans | 0.2913% | 5,316 |
| Net loans and leases to total assets | 83.1184% | 318 |
| Net loans and leases to deposits | 101.2135% | 431 |
| Net loans and leases to core deposits | 107.5103% | 720 |
| Total domestic deposits to total assets | 82.1219% | 4,831 |
| Equity capital to assets | 9.6600% | 4,205 |
| Core capital (leverage) ratio | 9.6336% | 4,074 |
| Tier 1 risk-based capital ratio | 11.6293% | 5,836 |
| Total risk-based capital ratio | 12.8865% | 5,770 |
| Memoranda: | ||
| Average total assets | $100,597,600 | 4,725 |
| Average earning assets | $90,074,400 | 4,771 |
| Average equity | $9,908,800 | 4,868 |
| Average total loans | $85,848,200 | 3,781 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1957% | 653 |
| Cost of funding earning assets | 0.8575% | 1,007 |
| Net interest margin | 4.3382% | 1,011 |
| Noninterest income to average assets | 0.6898% | 2,665 |
| Noninterest expense to average assets | 2.5015% | 4,716 |
| Loan and lease loss provision to assets | 0.1196% | 2,803 |
| Net operating income to assets | 1.8502% | 480 |
| Return on assets (ROA) | 1.8502% | 494 |
| Pretax return on assets | 1.9419% | 662 |
| Return on Equity (ROE) | 18.6927% | 389 |
| Retained earnings to average equity (ytd only) | 1.1683% | 5,513 |
| Net charge-offs to loans | 0.0529% | 4,151 |
| Credit loss provision to net charge-offs | 264.7059% | 947 |
| Earnings coverage of net charge-offs (x) | 45.6199% | 922 |
| Efficiency ratio | 54.8209% | 6,031 |
| Assets per employee ($millions) | 4.3180% | 3,188 |
| Cash dividends to net income (ytd only)* | 93.7504% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9117% | 1,967 |
| Loan loss allowance to noncurrent loans | 560.8247% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.2930% | 5,550 |
| Noncurrent loans to loans | 0.3409% | 5,364 |
| Net loans and leases to total assets | 84.3146% | 229 |
| Net loans and leases to deposits | 104.7485% | 270 |
| Net loans and leases to core deposits | 113.7314% | 455 |
| Total domestic deposits to total assets | 80.4924% | 5,361 |
| Equity capital to assets | 10.0368% | 3,855 |
| Core capital (leverage) ratio | 9.9549% | 3,734 |
| Tier 1 risk-based capital ratio | 12.0513% | 5,754 |
| Total risk-based capital ratio | 13.3107% | 5,680 |
| Memoranda: | ||
| Average total assets | $100,309,500 | 4,775 |
| Average earning assets | $89,558,250 | 4,825 |
| Average equity | $9,928,750 | 4,917 |
| Average total loans | $85,766,500 | 3,815 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1994% | 642 |
| Cost of funding earning assets | 0.8591% | 1,087 |
| Net interest margin | 4.3403% | 956 |
| Noninterest income to average assets | 0.7293% | 2,507 |
| Noninterest expense to average assets | 2.4960% | 4,748 |
| Loan and lease loss provision to assets | 0.1391% | 2,589 |
| Net operating income to assets | 1.8700% | 452 |
| Return on assets (ROA) | 1.8700% | 482 |
| Pretax return on assets | 1.9594% | 650 |
| Return on Equity (ROE) | 18.9801% | 385 |
| Retained earnings to average equity (ytd only) | 1.4321% | 5,307 |
| Net charge-offs to loans | 0.0885% | 3,482 |
| Credit loss provision to net charge-offs | 184.2105% | 1,297 |
| Earnings coverage of net charge-offs (x) | 27.7895% | 1,207 |
| Efficiency ratio | 54.3253% | 6,120 |
| Assets per employee ($millions) | 4.6030% | 2,643 |
| Cash dividends to net income (ytd only)* | 92.4548% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 2,399 |
| Loan loss allowance to noncurrent loans | 873.9130% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 5,249 |
| Noncurrent loans to loans | 0.2073% | 5,791 |
| Net loans and leases to total assets | 86.0613% | 152 |
| Net loans and leases to deposits | 108.6604% | 168 |
| Net loans and leases to core deposits | 117.8196% | 355 |
| Total domestic deposits to total assets | 79.2021% | 5,776 |
| Equity capital to assets | 9.8237% | 4,156 |
| Core capital (leverage) ratio | 10.0233% | 3,477 |
| Tier 1 risk-based capital ratio | 11.7174% | 5,980 |
| Total risk-based capital ratio | 12.9757% | 5,933 |
| Memoranda: | ||
| Average total assets | $100,641,000 | 4,797 |
| Average earning assets | $89,625,000 | 4,854 |
| Average equity | $9,915,670 | 4,968 |
| Average total loans | $85,899,000 | 3,824 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1724% | 641 |
| Cost of funding earning assets | 0.8763% | 1,105 |
| Net interest margin | 4.2961% | 978 |
| Noninterest income to average assets | 0.6738% | 2,730 |
| Noninterest expense to average assets | 2.4360% | 4,995 |
| Loan and lease loss provision to assets | 0.1196% | 2,728 |
| Net operating income to assets | 1.8380% | 448 |
| Return on assets (ROA) | 1.8380% | 494 |
| Pretax return on assets | 1.9297% | 692 |
| Return on Equity (ROE) | 18.6272% | 391 |
| Retained earnings to average equity (ytd only) | 1.0506% | 5,433 |
| Net charge-offs to loans | 0.0047% | 4,071 |
| Credit loss provision to net charge-offs | 3,000.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 514.0000% | 65 |
| Efficiency ratio | 54.3111% | 6,202 |
| Assets per employee ($millions) | 4.5483% | 2,888 |
| Cash dividends to net income (ytd only)* | 94.3601% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 2,256 |
| Loan loss allowance to noncurrent loans | 858.2888% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.6306% | 4,803 |
| Noncurrent loans to loans | 0.2234% | 5,854 |
| Net loans and leases to total assets | 82.0433% | 279 |
| Net loans and leases to deposits | 103.1292% | 246 |
| Net loans and leases to core deposits | 112.2237% | 434 |
| Total domestic deposits to total assets | 79.5539% | 5,855 |
| Equity capital to assets | 9.9048% | 4,267 |
| Core capital (leverage) ratio | 9.9987% | 3,383 |
| Tier 1 risk-based capital ratio | 12.1704% | 5,807 |
| Total risk-based capital ratio | 13.4293% | 5,762 |
| Memoranda: | ||
| Average total assets | $100,329,000 | 4,859 |
| Average earning assets | $89,011,500 | 4,910 |
| Average equity | $9,899,500 | 5,009 |
| Average total loans | $84,469,500 | 3,887 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2634% | 994 |
| Cost of funding earning assets | 1.0862% | 955 |
| Net interest margin | 4.1772% | 1,723 |
| Noninterest income to average assets | 0.7886% | 2,311 |
| Noninterest expense to average assets | 2.6655% | 4,524 |
| Loan and lease loss provision to assets | 0.1893% | 3,270 |
| Net operating income to assets | 1.6360% | 709 |
| Return on assets (ROA) | 1.6330% | 789 |
| Pretax return on assets | 1.7276% | 1,074 |
| Return on Equity (ROE) | 16.1056% | 647 |
| Retained earnings to average equity (ytd only) | 5.2372% | 2,545 |
| Net charge-offs to loans | 0.0407% | 5,354 |
| Credit loss provision to net charge-offs | 562.5000% | 438 |
| Earnings coverage of net charge-offs (x) | 57.0625% | 619 |
| Efficiency ratio | 58.1289% | 5,810 |
| Assets per employee ($millions) | 4.5725% | 2,833 |
| Cash dividends to net income (ytd only)* | 67.4823% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8489% | 2,442 |
| Loan loss allowance to noncurrent loans | 334.6072% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.9295% | 4,181 |
| Noncurrent loans to loans | 0.5526% | 5,146 |
| Net loans and leases to total assets | 83.1681% | 259 |
| Net loans and leases to deposits | 102.2225% | 322 |
| Net loans and leases to core deposits | 112.3159% | 457 |
| Total domestic deposits to total assets | 81.3599% | 5,288 |
| Equity capital to assets | 9.8295% | 4,411 |
| Core capital (leverage) ratio | 10.1303% | 3,235 |
| Tier 1 risk-based capital ratio | 11.9896% | 5,798 |
| Total risk-based capital ratio | 13.2475% | 5,743 |
| Memoranda: | ||
| Average total assets | $95,103,400 | 4,962 |
| Average earning assets | $86,445,600 | 4,950 |
| Average equity | $9,642,600 | 5,066 |
| Average total loans | $78,671,800 | 4,079 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2393% | 1,114 |
| Cost of funding earning assets | 1.1284% | 950 |
| Net interest margin | 4.1110% | 2,052 |
| Noninterest income to average assets | 0.7511% | 2,476 |
| Noninterest expense to average assets | 2.6487% | 4,567 |
| Loan and lease loss provision to assets | 0.2134% | 2,935 |
| Net operating income to assets | 1.5716% | 913 |
| Return on assets (ROA) | 1.5676% | 1,012 |
| Pretax return on assets | 1.6629% | 1,384 |
| Return on Equity (ROE) | 15.3352% | 842 |
| Retained earnings to average equity (ytd only) | 4.8983% | 3,441 |
| Net charge-offs to loans | 0.0381% | 5,118 |
| Credit loss provision to net charge-offs | 681.8182% | 394 |
| Earnings coverage of net charge-offs (x) | 60.0961% | 650 |
| Efficiency ratio | 58.4799% | 5,720 |
| Assets per employee ($millions) | 4.2960% | 3,278 |
| Cash dividends to net income (ytd only)* | 68.0583% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9191% | 2,415 |
| Loan loss allowance to noncurrent loans | 841.0811% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 4,288 |
| Noncurrent loans to loans | 0.2282% | 6,042 |
| Net loans and leases to total assets | 84.1387% | 218 |
| Net loans and leases to deposits | 103.9367% | 284 |
| Net loans and leases to core deposits | 116.5175% | 372 |
| Total domestic deposits to total assets | 80.9518% | 5,373 |
| Equity capital to assets | 10.3033% | 4,073 |
| Core capital (leverage) ratio | 10.3539% | 3,098 |
| Tier 1 risk-based capital ratio | 12.4464% | 5,678 |
| Total risk-based capital ratio | 13.7050% | 5,642 |
| Memoranda: | ||
| Average total assets | $93,730,500 | 5,042 |
| Average earning assets | $86,141,000 | 5,011 |
| Average equity | $9,581,250 | 5,132 |
| Average total loans | $77,030,000 | 4,160 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 1,268 |
| Cost of funding earning assets | 1.1575% | 990 |
| Net interest margin | 4.0372% | 2,354 |
| Noninterest income to average assets | 0.8666% | 1,902 |
| Noninterest expense to average assets | 2.6062% | 4,756 |
| Loan and lease loss provision to assets | 0.2140% | 2,934 |
| Net operating income to assets | 1.6665% | 725 |
| Return on assets (ROA) | 1.6604% | 819 |
| Pretax return on assets | 1.7567% | 1,120 |
| Return on Equity (ROE) | 16.2871% | 726 |
| Retained earnings to average equity (ytd only) | 6.2126% | 2,562 |
| Net charge-offs to loans | 0.1083% | 4,098 |
| Credit loss provision to net charge-offs | 243.9024% | 1,178 |
| Earnings coverage of net charge-offs (x) | 22.5366% | 1,295 |
| Efficiency ratio | 56.8627% | 6,021 |
| Assets per employee ($millions) | 4.4798% | 2,938 |
| Cash dividends to net income (ytd only)* | 61.8557% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 2,566 |
| Loan loss allowance to noncurrent loans | 701.4151% | 560 |
| Noncurrent assets plus other real estate owned to assets | 1.1055% | 4,174 |
| Noncurrent loans to loans | 0.2706% | 6,039 |
| Net loans and leases to total assets | 81.6999% | 353 |
| Net loans and leases to deposits | 101.1436% | 376 |
| Net loans and leases to core deposits | 115.6242% | 406 |
| Total domestic deposits to total assets | 80.7762% | 5,539 |
| Equity capital to assets | 10.2917% | 3,945 |
| Core capital (leverage) ratio | 10.2618% | 3,084 |
| Tier 1 risk-based capital ratio | 12.5167% | 5,553 |
| Total risk-based capital ratio | 13.7755% | 5,528 |
| Memoranda: | ||
| Average total assets | $93,469,670 | 5,083 |
| Average earning assets | $86,050,000 | 5,046 |
| Average equity | $9,529,000 | 5,149 |
| Average total loans | $75,680,670 | 4,233 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 1,416 |
| Cost of funding earning assets | 1.2023% | 973 |
| Net interest margin | 3.9532% | 2,700 |
| Noninterest income to average assets | 0.9274% | 1,638 |
| Noninterest expense to average assets | 2.5846% | 4,876 |
| Loan and lease loss provision to assets | 0.1717% | 3,250 |
| Net operating income to assets | 1.7038% | 712 |
| Return on assets (ROA) | 1.6916% | 816 |
| Pretax return on assets | 1.7860% | 1,105 |
| Return on Equity (ROE) | 16.6728% | 718 |
| Retained earnings to average equity (ytd only) | 5.8820% | 3,026 |
| Net charge-offs to loans | 0.2206% | 2,817 |
| Credit loss provision to net charge-offs | 97.5610% | 2,411 |
| Earnings coverage of net charge-offs (x) | 11.1951% | 1,692 |
| Efficiency ratio | 56.7389% | 6,052 |
| Assets per employee ($millions) | 4.4051% | 3,182 |
| Cash dividends to net income (ytd only)* | 64.7208% | 1,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9219% | 2,609 |
| Loan loss allowance to noncurrent loans | 355.8603% | 937 |
| Noncurrent assets plus other real estate owned to assets | 1.0507% | 4,391 |
| Noncurrent loans to loans | 0.5401% | 5,578 |
| Net loans and leases to total assets | 78.7208% | 525 |
| Net loans and leases to deposits | 95.4305% | 576 |
| Net loans and leases to core deposits | 109.3783% | 553 |
| Total domestic deposits to total assets | 82.4902% | 5,131 |
| Equity capital to assets | 10.2910% | 3,737 |
| Core capital (leverage) ratio | 10.0591% | 3,300 |
| Tier 1 risk-based capital ratio | 12.7741% | 5,388 |
| Total risk-based capital ratio | 14.0318% | 5,360 |
| Memoranda: | ||
| Average total assets | $93,166,500 | 5,122 |
| Average earning assets | $85,499,500 | 5,100 |
| Average equity | $9,452,500 | 5,182 |
| Average total loans | $74,347,500 | 4,302 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 1,656 |
| Cost of funding earning assets | 1.4690% | 803 |
| Net interest margin | 3.8465% | 3,587 |
| Noninterest income to average assets | 0.9078% | 1,649 |
| Noninterest expense to average assets | 2.7677% | 4,481 |
| Loan and lease loss provision to assets | 0.2272% | 3,929 |
| Net operating income to assets | 1.3867% | 1,047 |
| Return on assets (ROA) | 1.3877% | 1,138 |
| Pretax return on assets | 1.4576% | 1,609 |
| Return on Equity (ROE) | 13.5237% | 1,043 |
| Retained earnings to average equity (ytd only) | 3.0893% | 4,034 |
| Net charge-offs to loans | 0.1566% | 4,890 |
| Credit loss provision to net charge-offs | 181.4159% | 1,427 |
| Earnings coverage of net charge-offs (x) | 13.4425% | 1,543 |
| Efficiency ratio | 62.1763% | 5,431 |
| Assets per employee ($millions) | 4.9382% | 2,291 |
| Cash dividends to net income (ytd only)* | 77.1565% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9182% | 2,513 |
| Loan loss allowance to noncurrent loans | 203.7090% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 1.0253% | 4,563 |
| Noncurrent loans to loans | 0.9416% | 4,821 |
| Net loans and leases to total assets | 77.8225% | 729 |
| Net loans and leases to deposits | 93.6716% | 833 |
| Net loans and leases to core deposits | 107.6598% | 722 |
| Total domestic deposits to total assets | 83.0802% | 4,716 |
| Equity capital to assets | 10.0027% | 4,167 |
| Core capital (leverage) ratio | 10.0655% | 3,262 |
| Tier 1 risk-based capital ratio | 12.6330% | 5,345 |
| Total risk-based capital ratio | 13.8910% | 5,327 |
| Memoranda: | ||
| Average total assets | $90,219,000 | 5,176 |
| Average earning assets | $83,115,200 | 5,137 |
| Average equity | $9,257,800 | 5,215 |
| Average total loans | $72,181,200 | 4,407 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3829% | 1,560 |
| Cost of funding earning assets | 1.5158% | 813 |
| Net interest margin | 3.8671% | 3,536 |
| Noninterest income to average assets | 1.0061% | 1,323 |
| Noninterest expense to average assets | 2.7213% | 4,648 |
| Loan and lease loss provision to assets | 0.2612% | 3,415 |
| Net operating income to assets | 1.5166% | 900 |
| Return on assets (ROA) | 1.5166% | 979 |
| Pretax return on assets | 1.5883% | 1,418 |
| Return on Equity (ROE) | 14.6827% | 900 |
| Retained earnings to average equity (ytd only) | 5.2026% | 3,058 |
| Net charge-offs to loans | -0.0559% | 7,063 |
| Credit loss provision to net charge-offs | -583.3333% | 6,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5363% | 5,790 |
| Assets per employee ($millions) | 4.3621% | 3,154 |
| Cash dividends to net income (ytd only)* | 64.5667% | 1,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1108% | 2,042 |
| Loan loss allowance to noncurrent loans | 222.6879% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 1.2574% | 4,284 |
| Noncurrent loans to loans | 0.9479% | 4,987 |
| Net loans and leases to total assets | 81.9135% | 366 |
| Net loans and leases to deposits | 100.2961% | 460 |
| Net loans and leases to core deposits | 116.8823% | 475 |
| Total domestic deposits to total assets | 81.6717% | 5,206 |
| Equity capital to assets | 10.8434% | 3,297 |
| Core capital (leverage) ratio | 10.3358% | 3,054 |
| Tier 1 risk-based capital ratio | 13.0857% | 5,032 |
| Total risk-based capital ratio | 14.3467% | 5,001 |
| Memoranda: | ||
| Average total assets | $89,317,500 | 5,236 |
| Average earning assets | $82,333,250 | 5,206 |
| Average equity | $9,226,000 | 5,253 |
| Average total loans | $71,615,250 | 4,473 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2373% | 2,110 |
| Cost of funding earning assets | 1.4555% | 1,176 |
| Net interest margin | 3.7818% | 3,880 |
| Noninterest income to average assets | 0.5577% | 3,417 |
| Noninterest expense to average assets | 2.6197% | 5,116 |
| Loan and lease loss provision to assets | 0.1111% | 4,907 |
| Net operating income to assets | 1.2599% | 1,423 |
| Return on assets (ROA) | 1.2599% | 1,486 |
| Pretax return on assets | 1.3199% | 2,078 |
| Return on Equity (ROE) | 12.3962% | 1,382 |
| Retained earnings to average equity (ytd only) | 4.2195% | 3,514 |
| Net charge-offs to loans | -0.0365% | 6,968 |
| Credit loss provision to net charge-offs | -384.6154% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6736% | 5,112 |
| Assets per employee ($millions) | 4.6444% | 2,620 |
| Cash dividends to net income (ytd only)* | 65.9612% | 1,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8508% | 2,824 |
| Loan loss allowance to noncurrent loans | 344.5813% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.8946% | 5,081 |
| Noncurrent loans to loans | 0.5371% | 5,838 |
| Net loans and leases to total assets | 79.8693% | 544 |
| Net loans and leases to deposits | 102.3565% | 376 |
| Net loans and leases to core deposits | 119.0166% | 444 |
| Total domestic deposits to total assets | 78.0305% | 6,284 |
| Equity capital to assets | 9.9927% | 4,163 |
| Core capital (leverage) ratio | 10.4082% | 2,819 |
| Tier 1 risk-based capital ratio | 12.8231% | 5,074 |
| Total risk-based capital ratio | 14.0811% | 5,043 |
| Memoranda: | ||
| Average total assets | $90,009,330 | 5,254 |
| Average earning assets | $83,134,330 | 5,227 |
| Average equity | $9,148,000 | 5,284 |
| Average total loans | $71,152,330 | 4,534 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0805% | 2,733 |
| Cost of funding earning assets | 1.4732% | 1,278 |
| Net interest margin | 3.6072% | 4,539 |
| Noninterest income to average assets | 0.5916% | 3,230 |
| Noninterest expense to average assets | 2.7233% | 4,740 |
| Loan and lease loss provision to assets | 0.1806% | 3,807 |
| Net operating income to assets | 0.9529% | 2,343 |
| Return on assets (ROA) | 0.9529% | 2,408 |
| Pretax return on assets | 1.0161% | 3,076 |
| Return on Equity (ROE) | 9.2941% | 2,352 |
| Retained earnings to average equity (ytd only) | 1.6298% | 5,139 |
| Net charge-offs to loans | -0.0638% | 6,966 |
| Credit loss provision to net charge-offs | -363.6364% | 5,906 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4700% | 4,384 |
| Assets per employee ($millions) | 4.1053% | 3,629 |
| Cash dividends to net income (ytd only)* | 82.4645% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0317% | 2,325 |
| Loan loss allowance to noncurrent loans | 2,101.5152% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 5,849 |
| Noncurrent loans to loans | 0.0967% | 6,801 |
| Net loans and leases to total assets | 77.5783% | 786 |
| Net loans and leases to deposits | 94.4473% | 786 |
| Net loans and leases to core deposits | 110.2319% | 709 |
| Total domestic deposits to total assets | 82.1392% | 5,253 |
| Equity capital to assets | 10.5601% | 3,117 |
| Core capital (leverage) ratio | 10.3071% | 2,801 |
| Tier 1 risk-based capital ratio | 13.3521% | 4,541 |
| Total risk-based capital ratio | 14.6112% | 4,513 |
| Memoranda: | ||
| Average total assets | $88,570,000 | 5,334 |
| Average earning assets | $81,724,500 | 5,307 |
| Average equity | $9,081,000 | 5,295 |
| Average total loans | $68,934,500 | 4,654 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4724% | 2,387 |
| Cost of funding earning assets | 1.6172% | 1,967 |
| Net interest margin | 3.8552% | 3,714 |
| Noninterest income to average assets | 0.7195% | 2,716 |
| Noninterest expense to average assets | 2.7325% | 4,838 |
| Loan and lease loss provision to assets | 0.3418% | 4,096 |
| Net operating income to assets | 1.1432% | 1,565 |
| Return on assets (ROA) | 1.1432% | 1,647 |
| Pretax return on assets | 1.2015% | 2,223 |
| Return on Equity (ROE) | 11.3459% | 1,493 |
| Retained earnings to average equity (ytd only) | 1.7130% | 4,661 |
| Net charge-offs to loans | 0.4301% | 3,898 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 4.5148% | 2,895 |
| Efficiency ratio | 63.9056% | 5,370 |
| Assets per employee ($millions) | 4.3300% | 3,151 |
| Cash dividends to net income (ytd only)* | 84.9020% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 2,506 |
| Loan loss allowance to noncurrent loans | 1,691.1392% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.7170% | 5,569 |
| Noncurrent loans to loans | 0.1135% | 6,858 |
| Net loans and leases to total assets | 75.0751% | 1,460 |
| Net loans and leases to deposits | 95.1906% | 934 |
| Net loans and leases to core deposits | 111.8475% | 823 |
| Total domestic deposits to total assets | 78.8681% | 6,114 |
| Equity capital to assets | 9.9616% | 3,794 |
| Core capital (leverage) ratio | 10.1538% | 2,923 |
| Tier 1 risk-based capital ratio | 12.9906% | 4,599 |
| Total risk-based capital ratio | 14.2491% | 4,567 |
| Memoranda: | ||
| Average total assets | $89,223,600 | 5,315 |
| Average earning assets | $82,303,800 | 5,263 |
| Average equity | $8,990,000 | 5,434 |
| Average total loans | $70,921,400 | 4,652 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5456% | 2,271 |
| Cost of funding earning assets | 1.6498% | 2,106 |
| Net interest margin | 3.8958% | 3,545 |
| Noninterest income to average assets | 0.6517% | 3,114 |
| Noninterest expense to average assets | 2.6727% | 4,992 |
| Loan and lease loss provision to assets | 0.2853% | 4,290 |
| Net operating income to assets | 1.2177% | 1,541 |
| Return on assets (ROA) | 1.2177% | 1,618 |
| Pretax return on assets | 1.2748% | 2,247 |
| Return on Equity (ROE) | 12.0507% | 1,488 |
| Retained earnings to average equity (ytd only) | 2.1100% | 4,910 |
| Net charge-offs to loans | 0.2807% | 4,262 |
| Credit loss provision to net charge-offs | 126.6667% | 3,221 |
| Earnings coverage of net charge-offs (x) | 6.9265% | 2,422 |
| Efficiency ratio | 63.1430% | 5,414 |
| Assets per employee ($millions) | 4.3003% | 3,258 |
| Cash dividends to net income (ytd only)* | 82.4907% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0093% | 2,192 |
| Loan loss allowance to noncurrent loans | 144.3861% | 1,959 |
| Noncurrent assets plus other real estate owned to assets | 1.8580% | 3,667 |
| Noncurrent loans to loans | 1.3916% | 4,536 |
| Net loans and leases to total assets | 78.0236% | 1,034 |
| Net loans and leases to deposits | 100.5228% | 620 |
| Net loans and leases to core deposits | 119.9332% | 614 |
| Total domestic deposits to total assets | 77.6178% | 6,341 |
| Equity capital to assets | 10.5504% | 3,463 |
| Core capital (leverage) ratio | 10.3190% | 2,891 |
| Tier 1 risk-based capital ratio | 13.3574% | 4,305 |
| Total risk-based capital ratio | 14.6164% | 4,265 |
| Memoranda: | ||
| Average total assets | $88,797,250 | 5,388 |
| Average earning assets | $81,624,000 | 5,354 |
| Average equity | $8,973,000 | 5,505 |
| Average total loans | $71,251,500 | 4,707 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5390% | 2,374 |
| Cost of funding earning assets | 1.6571% | 2,345 |
| Net interest margin | 3.8819% | 3,525 |
| Noninterest income to average assets | 0.5974% | 3,351 |
| Noninterest expense to average assets | 2.6770% | 5,005 |
| Loan and lease loss provision to assets | 0.2229% | 4,670 |
| Net operating income to assets | 1.2237% | 1,501 |
| Return on assets (ROA) | 1.2237% | 1,562 |
| Pretax return on assets | 1.2794% | 2,154 |
| Return on Equity (ROE) | 12.2828% | 1,386 |
| Retained earnings to average equity (ytd only) | 1.7898% | 4,967 |
| Net charge-offs to loans | 0.0831% | 5,310 |
| Credit loss provision to net charge-offs | 333.3333% | 1,087 |
| Earnings coverage of net charge-offs (x) | 22.4667% | 1,132 |
| Efficiency ratio | 64.0533% | 5,329 |
| Assets per employee ($millions) | 4.3064% | 3,202 |
| Cash dividends to net income (ytd only)* | 85.4281% | 654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0318% | 2,111 |
| Loan loss allowance to noncurrent loans | 66.4147% | 4,012 |
| Noncurrent assets plus other real estate owned to assets | 2.4928% | 2,887 |
| Noncurrent loans to loans | 3.0592% | 2,629 |
| Net loans and leases to total assets | 78.7131% | 1,011 |
| Net loans and leases to deposits | 99.1082% | 791 |
| Net loans and leases to core deposits | 115.7783% | 854 |
| Total domestic deposits to total assets | 79.4213% | 5,914 |
| Equity capital to assets | 10.4658% | 3,457 |
| Core capital (leverage) ratio | 9.9757% | 3,190 |
| Tier 1 risk-based capital ratio | 13.1315% | 4,336 |
| Total risk-based capital ratio | 14.3909% | 4,288 |
| Memoranda: | ||
| Average total assets | $89,727,670 | 5,404 |
| Average earning assets | $82,795,000 | 5,344 |
| Average equity | $8,939,330 | 5,519 |
| Average total loans | $72,175,000 | 4,707 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4648% | 2,756 |
| Cost of funding earning assets | 1.6826% | 2,472 |
| Net interest margin | 3.7823% | 3,866 |
| Noninterest income to average assets | 0.5856% | 3,370 |
| Noninterest expense to average assets | 2.6877% | 4,962 |
| Loan and lease loss provision to assets | 0.2622% | 3,943 |
| Net operating income to assets | 1.0707% | 1,931 |
| Return on assets (ROA) | 1.0707% | 2,004 |
| Pretax return on assets | 1.1232% | 2,663 |
| Return on Equity (ROE) | 11.0088% | 1,788 |
| Retained earnings to average equity (ytd only) | -4.0440% | 6,500 |
| Net charge-offs to loans | 0.0434% | 4,987 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 39.6250% | 695 |
| Efficiency ratio | 65.9871% | 5,118 |
| Assets per employee ($millions) | 4.5280% | 2,906 |
| Cash dividends to net income (ytd only)* | 136.7347% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 2,388 |
| Loan loss allowance to noncurrent loans | 80.2890% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 1.9435% | 3,568 |
| Noncurrent loans to loans | 2.3894% | 3,287 |
| Net loans and leases to total assets | 78.4185% | 1,077 |
| Net loans and leases to deposits | 100.3831% | 729 |
| Net loans and leases to core deposits | 118.6708% | 843 |
| Total domestic deposits to total assets | 78.1192% | 6,286 |
| Equity capital to assets | 9.7771% | 4,139 |
| Core capital (leverage) ratio | 9.7619% | 3,441 |
| Tier 1 risk-based capital ratio | 12.3520% | 4,866 |
| Total risk-based capital ratio | 13.6111% | 4,815 |
| Memoranda: | ||
| Average total assets | $91,527,500 | 5,401 |
| Average earning assets | $84,394,000 | 5,349 |
| Average equity | $8,902,000 | 5,569 |
| Average total loans | $73,662,500 | 4,727 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8498% | 2,441 |
| Cost of funding earning assets | 2.1063% | 2,426 |
| Net interest margin | 3.7435% | 3,935 |
| Noninterest income to average assets | 0.7927% | 2,441 |
| Noninterest expense to average assets | 2.6960% | 5,416 |
| Loan and lease loss provision to assets | 0.5228% | 3,757 |
| Net operating income to assets | 0.9826% | 1,901 |
| Return on assets (ROA) | 0.9826% | 1,953 |
| Pretax return on assets | 1.0135% | 2,546 |
| Return on Equity (ROE) | 10.5118% | 1,548 |
| Retained earnings to average equity (ytd only) | 4.1659% | 2,301 |
| Net charge-offs to loans | 0.6581% | 3,213 |
| Credit loss provision to net charge-offs | 95.5166% | 5,799 |
| Earnings coverage of net charge-offs (x) | 2.8070% | 3,689 |
| Efficiency ratio | 63.7005% | 5,830 |
| Assets per employee ($millions) | 4.8682% | 2,384 |
| Cash dividends to net income (ytd only)* | 60.3692% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7832% | 2,605 |
| Loan loss allowance to noncurrent loans | 71.1774% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.2736% | 3,038 |
| Noncurrent loans to loans | 2.5053% | 3,038 |
| Net loans and leases to total assets | 79.5548% | 1,079 |
| Net loans and leases to deposits | 104.6163% | 620 |
| Net loans and leases to core deposits | 127.1469% | 1,441 |
| Total domestic deposits to total assets | 76.0444% | 6,672 |
| Equity capital to assets | 9.6761% | 4,173 |
| Core capital (leverage) ratio | 9.6937% | 3,468 |
| Tier 1 risk-based capital ratio | 11.9717% | 4,966 |
| Total risk-based capital ratio | 13.2280% | 4,916 |
| Memoranda: | ||
| Average total assets | $93,732,000 | 5,276 |
| Average earning assets | $86,122,600 | 5,257 |
| Average equity | $8,761,600 | 5,677 |
| Average total loans | $77,950,400 | 4,586 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9152% | 2,380 |
| Cost of funding earning assets | 2.2170% | 2,325 |
| Net interest margin | 3.6981% | 4,079 |
| Noninterest income to average assets | 0.8875% | 2,038 |
| Noninterest expense to average assets | 2.7434% | 5,131 |
| Loan and lease loss provision to assets | 0.5104% | 3,342 |
| Net operating income to assets | 1.0080% | 2,027 |
| Return on assets (ROA) | 1.0080% | 2,090 |
| Pretax return on assets | 1.0322% | 2,802 |
| Return on Equity (ROE) | 10.8782% | 1,658 |
| Retained earnings to average equity (ytd only) | 5.6609% | 2,122 |
| Net charge-offs to loans | 0.5556% | 3,014 |
| Credit loss provision to net charge-offs | 109.7561% | 4,633 |
| Earnings coverage of net charge-offs (x) | 3.3171% | 3,581 |
| Efficiency ratio | 64.0093% | 5,753 |
| Assets per employee ($millions) | 4.6454% | 2,642 |
| Cash dividends to net income (ytd only)* | 47.9609% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8107% | 2,242 |
| Loan loss allowance to noncurrent loans | 128.3210% | 2,210 |
| Noncurrent assets plus other real estate owned to assets | 1.7482% | 3,734 |
| Noncurrent loans to loans | 1.4111% | 4,554 |
| Net loans and leases to total assets | 85.4605% | 392 |
| Net loans and leases to deposits | 115.8768% | 272 |
| Net loans and leases to core deposits | 140.3897% | 895 |
| Total domestic deposits to total assets | 73.7512% | 6,999 |
| Equity capital to assets | 10.1583% | 3,899 |
| Core capital (leverage) ratio | 9.8299% | 3,480 |
| Tier 1 risk-based capital ratio | 11.8508% | 5,104 |
| Total risk-based capital ratio | 13.1084% | 5,038 |
| Memoranda: | ||
| Average total assets | $94,041,000 | 5,301 |
| Average earning assets | $86,419,750 | 5,290 |
| Average equity | $8,714,500 | 5,748 |
| Average total loans | $78,707,750 | 4,599 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8615% | 2,754 |
| Cost of funding earning assets | 2.3101% | 2,317 |
| Net interest margin | 3.5514% | 4,565 |
| Noninterest income to average assets | 1.1025% | 1,307 |
| Noninterest expense to average assets | 2.7447% | 5,200 |
| Loan and lease loss provision to assets | 0.6252% | 2,554 |
| Net operating income to assets | 0.9753% | 2,192 |
| Return on assets (ROA) | 0.9753% | 2,287 |
| Pretax return on assets | 0.9941% | 3,035 |
| Return on Equity (ROE) | 10.8450% | 1,740 |
| Retained earnings to average equity (ytd only) | 5.7006% | 2,160 |
| Net charge-offs to loans | 0.4765% | 2,927 |
| Credit loss provision to net charge-offs | 158.7302% | 2,897 |
| Earnings coverage of net charge-offs (x) | 4.1111% | 3,213 |
| Efficiency ratio | 62.8940% | 6,099 |
| Assets per employee ($millions) | 4.8657% | 2,241 |
| Cash dividends to net income (ytd only)* | 47.4359% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8929% | 1,816 |
| Loan loss allowance to noncurrent loans | 137.1269% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 2.0357% | 3,150 |
| Noncurrent loans to loans | 1.3804% | 4,455 |
| Net loans and leases to total assets | 82.4117% | 882 |
| Net loans and leases to deposits | 116.5935% | 317 |
| Net loans and leases to core deposits | 137.8395% | 1,112 |
| Total domestic deposits to total assets | 70.6830% | 7,408 |
| Equity capital to assets | 9.5805% | 4,512 |
| Core capital (leverage) ratio | 9.2019% | 4,304 |
| Tier 1 risk-based capital ratio | 11.5388% | 5,345 |
| Total risk-based capital ratio | 12.7934% | 5,267 |
| Memoranda: | ||
| Average total assets | $95,967,000 | 5,286 |
| Average earning assets | $88,134,330 | 5,257 |
| Average equity | $8,630,670 | 5,803 |
| Average total loans | $79,336,670 | 4,607 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8539% | 3,020 |
| Cost of funding earning assets | 2.4551% | 2,087 |
| Net interest margin | 3.3987% | 5,145 |
| Noninterest income to average assets | 1.4039% | 714 |
| Noninterest expense to average assets | 2.5582% | 5,615 |
| Loan and lease loss provision to assets | 0.7163% | 1,790 |
| Net operating income to assets | 1.2238% | 1,583 |
| Return on assets (ROA) | 1.2238% | 1,688 |
| Pretax return on assets | 1.2402% | 2,484 |
| Return on Equity (ROE) | 14.0417% | 1,160 |
| Retained earnings to average equity (ytd only) | 13.5721% | 558 |
| Net charge-offs to loans | 0.5189% | 2,163 |
| Credit loss provision to net charge-offs | 168.2692% | 2,545 |
| Earnings coverage of net charge-offs (x) | 4.5962% | 2,851 |
| Efficiency ratio | 56.6636% | 6,874 |
| Assets per employee ($millions) | 4.9902% | 2,083 |
| Cash dividends to net income (ytd only)* | 3.3445% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8058% | 1,835 |
| Loan loss allowance to noncurrent loans | 322.7991% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 1.2104% | 4,255 |
| Noncurrent loans to loans | 0.5594% | 6,015 |
| Net loans and leases to total assets | 77.9125% | 1,843 |
| Net loans and leases to deposits | 107.7039% | 748 |
| Net loans and leases to core deposits | 134.4800% | 1,387 |
| Total domestic deposits to total assets | 72.3395% | 7,158 |
| Equity capital to assets | 8.9236% | 5,443 |
| Core capital (leverage) ratio | 8.9606% | 4,776 |
| Tier 1 risk-based capital ratio | 11.1713% | 5,731 |
| Total risk-based capital ratio | 12.4280% | 5,638 |
| Memoranda: | ||
| Average total assets | $97,726,500 | 5,247 |
| Average earning assets | $89,445,000 | 5,241 |
| Average equity | $8,517,500 | 5,872 |
| Average total loans | $80,176,000 | 4,612 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8945% | 1,415 |
| Cost of funding earning assets | 3.1298% | 1,415 |
| Net interest margin | 3.7647% | 4,161 |
| Noninterest income to average assets | 0.4120% | 5,374 |
| Noninterest expense to average assets | 2.5479% | 5,834 |
| Loan and lease loss provision to assets | 0.3296% | 3,753 |
| Net operating income to assets | 0.9603% | 2,744 |
| Return on assets (ROA) | 0.9603% | 2,618 |
| Pretax return on assets | 0.9811% | 3,446 |
| Return on Equity (ROE) | 10.7082% | 2,003 |
| Retained earnings to average equity (ytd only) | -4.7660% | 6,476 |
| Net charge-offs to loans | 0.3893% | 2,872 |
| Credit loss provision to net charge-offs | 97.4026% | 5,464 |
| Earnings coverage of net charge-offs (x) | 3.8734% | 4,196 |
| Efficiency ratio | 66.0308% | 5,120 |
| Assets per employee ($millions) | 5.3139% | 1,629 |
| Cash dividends to net income (ytd only)* | 144.5080% | 500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6744% | 1,984 |
| Loan loss allowance to noncurrent loans | 984.7826% | 493 |
| Noncurrent assets plus other real estate owned to assets | 1.5484% | 3,128 |
| Noncurrent loans to loans | 0.1700% | 6,880 |
| Net loans and leases to total assets | 83.4334% | 970 |
| Net loans and leases to deposits | 116.9187% | 481 |
| Net loans and leases to core deposits | 148.6856% | 903 |
| Total domestic deposits to total assets | 71.3602% | 7,111 |
| Equity capital to assets | 8.4987% | 6,085 |
| Core capital (leverage) ratio | 8.4950% | 5,587 |
| Tier 1 risk-based capital ratio | 10.3586% | 6,355 |
| Total risk-based capital ratio | 11.6146% | 6,226 |
| Memoranda: | ||
| Average total assets | $91,017,000 | 5,323 |
| Average earning assets | $83,326,800 | 5,317 |
| Average equity | $8,162,000 | 6,020 |
| Average total loans | $79,118,000 | 4,550 |