Home > Stryv Bank > Performance and Condition Ratios
Stryv 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 | 5.6420% | 995 |
| Cost of funding earning assets | 1.7842% | 1,272 |
| Net interest margin | 3.8578% | 1,461 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.6499% | 1,873 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 0.9755% | 2,293 |
| Return on assets (ROA) | 0.9755% | 2,278 |
| Pretax return on assets | 1.0075% | 2,669 |
| Return on Equity (ROE) | 9.5000% | 2,637 |
| Retained earnings to average equity (ytd only) | 5.0368% | 2,598 |
| Net charge-offs to loans | 0.1518% | 679 |
| Credit loss provision to net charge-offs | 110.1695% | 1,755 |
| Earnings coverage of net charge-offs (x) | 9.6356% | 2,281 |
| Efficiency ratio | 69.9643% | 1,883 |
| Assets per employee ($millions) | 6.9987% | 2,073 |
| Cash dividends to net income (ytd only)* | 46.9744% | 1,777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 3,584 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 81.3000% | 500 |
| Net loans and leases to deposits | 91.1649% | 1,167 |
| Net loans and leases to core deposits | 130.6269% | 393 |
| Total domestic deposits to total assets | 89.1800% | 1,011 |
| Equity capital to assets | 10.3176% | 1,836 |
| Core capital (leverage) ratio | 10.6425% | 2,225 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1271% | 2,543 |
| Memoranda: | ||
| Average total assets | $199,896,800 | 2,993 |
| Average earning assets | $189,613,800 | 2,950 |
| Average equity | $20,528,800 | 2,812 |
| Average total loans | $155,421,800 | 2,631 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3828% | 1,156 |
| Cost of funding earning assets | 1.5631% | 1,448 |
| Net interest margin | 3.8197% | 1,557 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.6398% | 1,828 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.9538% | 2,505 |
| Return on assets (ROA) | 0.9538% | 2,492 |
| Pretax return on assets | 0.9964% | 2,871 |
| Return on Equity (ROE) | 9.3000% | 2,851 |
| Retained earnings to average equity (ytd only) | 3.9910% | 3,261 |
| Net charge-offs to loans | 0.2081% | 422 |
| Credit loss provision to net charge-offs | 78.3898% | 1,762 |
| Earnings coverage of net charge-offs (x) | 7.0339% | 2,254 |
| Efficiency ratio | 70.1868% | 1,763 |
| Assets per employee ($millions) | 7.3414% | 1,735 |
| Cash dividends to net income (ytd only)* | 57.0822% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9304% | 3,631 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 79.6700% | 689 |
| Net loans and leases to deposits | 91.7268% | 1,076 |
| Net loans and leases to core deposits | 124.0034% | 458 |
| Total domestic deposits to total assets | 86.8600% | 1,933 |
| Equity capital to assets | 9.7335% | 1,975 |
| Core capital (leverage) ratio | 10.7804% | 2,154 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3931% | 2,481 |
| Memoranda: | ||
| Average total assets | $197,380,750 | 3,017 |
| Average earning assets | $187,060,000 | 2,977 |
| Average equity | $20,245,250 | 2,823 |
| Average total loans | $151,199,500 | 2,673 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1540% | 1,282 |
| Cost of funding earning assets | 1.3591% | 1,557 |
| Net interest margin | 3.7949% | 1,640 |
| Noninterest income to average assets | 0.1100% | 4,276 |
| Noninterest expense to average assets | 2.6745% | 1,702 |
| Loan and lease loss provision to assets | 0.1200% | 954 |
| Net operating income to assets | 0.8579% | 2,895 |
| Return on assets (ROA) | 0.8579% | 2,896 |
| Pretax return on assets | 0.9021% | 3,160 |
| Return on Equity (ROE) | 8.2200% | 3,180 |
| Retained earnings to average equity (ytd only) | 1.7418% | 3,771 |
| Net charge-offs to loans | 0.3222% | 261 |
| Credit loss provision to net charge-offs | 50.8475% | 1,665 |
| Earnings coverage of net charge-offs (x) | 4.2288% | 2,228 |
| Efficiency ratio | 72.2855% | 1,526 |
| Assets per employee ($millions) | 6.8842% | 2,013 |
| Cash dividends to net income (ytd only)* | 78.8024% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9644% | 3,554 |
| Loan loss allowance to noncurrent loans | 1,473.0000% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 3,296 |
| Noncurrent loans to loans | 0.0655% | 3,234 |
| Net loans and leases to total assets | 73.2400% | 1,375 |
| Net loans and leases to deposits | 84.5381% | 1,623 |
| Net loans and leases to core deposits | 115.3430% | 640 |
| Total domestic deposits to total assets | 86.6400% | 2,041 |
| Equity capital to assets | 9.9348% | 1,895 |
| Core capital (leverage) ratio | 11.2377% | 1,772 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2773% | 2,540 |
| Memoranda: | ||
| Average total assets | $194,655,000 | 3,036 |
| Average earning assets | $184,245,667 | 2,997 |
| Average equity | $20,324,333 | 2,832 |
| Average total loans | $146,496,667 | 2,705 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 1,352 |
| Cost of funding earning assets | 1.2321% | 1,376 |
| Net interest margin | 3.7053% | 1,887 |
| Noninterest income to average assets | 0.1000% | 4,366 |
| Noninterest expense to average assets | 2.7618% | 1,525 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.6719% | 3,525 |
| Return on assets (ROA) | 0.6719% | 3,479 |
| Pretax return on assets | 0.7228% | 3,614 |
| Return on Equity (ROE) | 6.2700% | 3,658 |
| Retained earnings to average equity (ytd only) | -3.9748% | 4,289 |
| Net charge-offs to loans | -0.0028% | 3,494 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.4671% | 1,131 |
| Assets per employee ($millions) | 6.6782% | 2,214 |
| Cash dividends to net income (ytd only)* | 163.4069% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 2,865 |
| Loan loss allowance to noncurrent loans | 132.0000% | 3,105 |
| Noncurrent assets plus other real estate owned to assets | 0.6454% | 776 |
| Noncurrent loans to loans | 0.8622% | 879 |
| Net loans and leases to total assets | 74.0100% | 1,205 |
| Net loans and leases to deposits | 86.0868% | 1,346 |
| Net loans and leases to core deposits | 105.3202% | 865 |
| Total domestic deposits to total assets | 85.9700% | 2,599 |
| Equity capital to assets | 10.4798% | 1,574 |
| Core capital (leverage) ratio | 11.2623% | 1,688 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5895% | 2,145 |
| Memoranda: | ||
| Average total assets | $188,719,000 | 3,116 |
| Average earning assets | $178,878,500 | 3,076 |
| Average equity | $20,227,500 | 2,872 |
| Average total loans | $143,373,500 | 2,771 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 992 |
| Cost of funding earning assets | 0.4896% | 1,471 |
| Net interest margin | 3.8492% | 1,065 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 2.7397% | 1,465 |
| Loan and lease loss provision to assets | 0.2000% | 531 |
| Net operating income to assets | 0.8402% | 3,188 |
| Return on assets (ROA) | 0.8402% | 3,118 |
| Pretax return on assets | 0.8915% | 3,384 |
| Return on Equity (ROE) | 7.6100% | 3,484 |
| Retained earnings to average equity (ytd only) | 5.5661% | 2,803 |
| Net charge-offs to loans | 0.0526% | 1,145 |
| Credit loss provision to net charge-offs | 486.3014% | 692 |
| Earnings coverage of net charge-offs (x) | 26.2603% | 1,758 |
| Efficiency ratio | 71.4605% | 1,505 |
| Assets per employee ($millions) | 6.1257% | 2,655 |
| Cash dividends to net income (ytd only)* | 26.8342% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1201% | 2,788 |
| Loan loss allowance to noncurrent loans | 127.0400% | 3,137 |
| Noncurrent assets plus other real estate owned to assets | 0.6802% | 716 |
| Noncurrent loans to loans | 0.8817% | 838 |
| Net loans and leases to total assets | 76.2800% | 984 |
| Net loans and leases to deposits | 87.7192% | 1,194 |
| Net loans and leases to core deposits | 97.0017% | 1,150 |
| Total domestic deposits to total assets | 86.9600% | 2,400 |
| Equity capital to assets | 10.9696% | 1,269 |
| Core capital (leverage) ratio | 11.7051% | 1,411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0636% | 1,954 |
| Memoranda: | ||
| Average total assets | $175,202,200 | 3,232 |
| Average earning assets | $166,267,400 | 3,193 |
| Average equity | $19,349,200 | 3,007 |
| Average total loans | $138,832,800 | 2,741 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1544% | 972 |
| Cost of funding earning assets | 0.3221% | 1,942 |
| Net interest margin | 3.8323% | 904 |
| Noninterest income to average assets | 0.1900% | 4,048 |
| Noninterest expense to average assets | 2.8213% | 1,204 |
| Loan and lease loss provision to assets | 0.1300% | 800 |
| Net operating income to assets | 0.8197% | 3,174 |
| Return on assets (ROA) | 0.8197% | 3,138 |
| Pretax return on assets | 0.8744% | 3,401 |
| Return on Equity (ROE) | 7.4100% | 3,485 |
| Retained earnings to average equity (ytd only) | 5.6126% | 2,883 |
| Net charge-offs to loans | 0.0676% | 818 |
| Credit loss provision to net charge-offs | 242.8571% | 907 |
| Earnings coverage of net charge-offs (x) | 18.6429% | 1,751 |
| Efficiency ratio | 73.7266% | 1,306 |
| Assets per employee ($millions) | 6.4097% | 2,399 |
| Cash dividends to net income (ytd only)* | 24.2481% | 2,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9824% | 3,562 |
| Loan loss allowance to noncurrent loans | 112.4800% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 777 |
| Noncurrent loans to loans | 0.8734% | 901 |
| Net loans and leases to total assets | 76.2400% | 883 |
| Net loans and leases to deposits | 85.4376% | 1,206 |
| Net loans and leases to core deposits | 93.7627% | 1,110 |
| Total domestic deposits to total assets | 89.2300% | 1,988 |
| Equity capital to assets | 10.3093% | 1,461 |
| Core capital (leverage) ratio | 11.7816% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8019% | 2,130 |
| Memoranda: | ||
| Average total assets | $173,060,000 | 3,273 |
| Average earning assets | $164,318,750 | 3,233 |
| Average equity | $19,146,750 | 3,068 |
| Average total loans | $138,098,000 | 2,747 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9860% | 955 |
| Cost of funding earning assets | 0.2109% | 2,767 |
| Net interest margin | 3.7751% | 790 |
| Noninterest income to average assets | 0.1706% | 4,155 |
| Noninterest expense to average assets | 2.8912% | 1,004 |
| Loan and lease loss provision to assets | 0.1303% | 745 |
| Net operating income to assets | 0.6730% | 3,402 |
| Return on assets (ROA) | 0.6730% | 3,352 |
| Pretax return on assets | 0.7335% | 3,495 |
| Return on Equity (ROE) | 5.9348% | 3,589 |
| Retained earnings to average equity (ytd only) | 5.0780% | 2,682 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9959% | 1,173 |
| Assets per employee ($millions) | 5.9389% | 2,798 |
| Cash dividends to net income (ytd only)* | 14.4366% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9989% | 3,598 |
| Loan loss allowance to noncurrent loans | 87.8412% | 3,473 |
| Noncurrent assets plus other real estate owned to assets | 0.9360% | 524 |
| Noncurrent loans to loans | 1.1372% | 717 |
| Net loans and leases to total assets | 81.4849% | 315 |
| Net loans and leases to deposits | 92.7665% | 568 |
| Net loans and leases to core deposits | 100.6967% | 644 |
| Total domestic deposits to total assets | 87.8387% | 2,638 |
| Equity capital to assets | 11.6985% | 961 |
| Core capital (leverage) ratio | 12.3111% | 1,037 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.4383% | 1,887 |
| Memoranda: | ||
| Average total assets | $168,786,333 | 3,345 |
| Average earning assets | $160,260,000 | 3,309 |
| Average equity | $19,141,333 | 3,138 |
| Average total loans | $136,425,000 | 2,784 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8573% | 993 |
| Cost of funding earning assets | 0.1766% | 3,132 |
| Net interest margin | 3.6807% | 773 |
| Noninterest income to average assets | 0.1796% | 4,092 |
| Noninterest expense to average assets | 2.9425% | 895 |
| Loan and lease loss provision to assets | 0.1197% | 697 |
| Net operating income to assets | 0.5339% | 3,609 |
| Return on assets (ROA) | 0.5339% | 3,578 |
| Pretax return on assets | 0.6105% | 3,604 |
| Return on Equity (ROE) | 4.7859% | 3,676 |
| Retained earnings to average equity (ytd only) | 4.7859% | 2,673 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1173% | 1,144 |
| Assets per employee ($millions) | 5.5117% | 3,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 3,784 |
| Loan loss allowance to noncurrent loans | 85.0690% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 0.9329% | 569 |
| Noncurrent loans to loans | 1.1591% | 763 |
| Net loans and leases to total assets | 79.6891% | 250 |
| Net loans and leases to deposits | 95.2328% | 307 |
| Net loans and leases to core deposits | 104.2876% | 387 |
| Total domestic deposits to total assets | 83.6782% | 3,831 |
| Equity capital to assets | 11.8193% | 1,014 |
| Core capital (leverage) ratio | 12.4814% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9127% | 1,827 |
| Memoranda: | ||
| Average total assets | $167,066,000 | 3,369 |
| Average earning assets | $158,555,000 | 3,343 |
| Average equity | $18,638,000 | 3,270 |
| Average total loans | $133,760,000 | 2,812 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9466% | 1,498 |
| Cost of funding earning assets | 0.2328% | 3,107 |
| Net interest margin | 3.7138% | 1,181 |
| Noninterest income to average assets | 0.3173% | 3,511 |
| Noninterest expense to average assets | 2.8129% | 1,332 |
| Loan and lease loss provision to assets | 0.1640% | 718 |
| Net operating income to assets | 0.8314% | 3,231 |
| Return on assets (ROA) | 0.8314% | 3,308 |
| Pretax return on assets | 0.8624% | 3,591 |
| Return on Equity (ROE) | 7.9622% | 3,231 |
| Retained earnings to average equity (ytd only) | 6.1861% | 2,279 |
| Net charge-offs to loans | 0.0009% | 2,656 |
| Credit loss provision to net charge-offs | 26,000.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 1,627.0000% | 90 |
| Efficiency ratio | 73.2665% | 1,390 |
| Assets per employee ($millions) | 5.2667% | 3,501 |
| Cash dividends to net income (ytd only)* | 22.3065% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,729 |
| Loan loss allowance to noncurrent loans | 379.6512% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2107% | 2,510 |
| Noncurrent loans to loans | 0.2646% | 2,657 |
| Net loans and leases to total assets | 78.8262% | 329 |
| Net loans and leases to deposits | 89.6800% | 577 |
| Net loans and leases to core deposits | 99.3623% | 564 |
| Total domestic deposits to total assets | 87.8972% | 2,104 |
| Equity capital to assets | 10.4619% | 2,206 |
| Core capital (leverage) ratio | 10.1198% | 2,252 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.9833% | 2,640 |
| Memoranda: | ||
| Average total assets | $158,518,800 | 3,407 |
| Average earning assets | $150,330,400 | 3,374 |
| Average equity | $16,553,200 | 3,500 |
| Average total loans | $112,602,400 | 3,035 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8976% | 1,772 |
| Cost of funding earning assets | 0.2411% | 3,200 |
| Net interest margin | 3.6564% | 1,446 |
| Noninterest income to average assets | 0.3644% | 3,275 |
| Noninterest expense to average assets | 2.7593% | 1,437 |
| Loan and lease loss provision to assets | 0.1398% | 810 |
| Net operating income to assets | 0.9042% | 3,236 |
| Return on assets (ROA) | 0.9042% | 3,311 |
| Pretax return on assets | 0.9347% | 3,620 |
| Return on Equity (ROE) | 8.6634% | 3,210 |
| Retained earnings to average equity (ytd only) | 6.2763% | 2,707 |
| Net charge-offs to loans | 0.0012% | 2,390 |
| Credit loss provision to net charge-offs | 16,500.0000% | 43 |
| Earnings coverage of net charge-offs (x) | 1,268.0000% | 128 |
| Efficiency ratio | 71.9717% | 1,405 |
| Assets per employee ($millions) | 6.4298% | 2,310 |
| Cash dividends to net income (ytd only)* | 27.5539% | 2,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 3,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 69.9963% | 1,074 |
| Net loans and leases to deposits | 79.3131% | 1,349 |
| Net loans and leases to core deposits | 86.6414% | 1,245 |
| Total domestic deposits to total assets | 88.2531% | 1,686 |
| Equity capital to assets | 10.1450% | 2,764 |
| Core capital (leverage) ratio | 9.9719% | 2,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.8820% | 2,403 |
| Memoranda: | ||
| Average total assets | $157,331,500 | 3,452 |
| Average earning assets | $149,286,500 | 3,424 |
| Average equity | $16,421,250 | 3,559 |
| Average total loans | $108,252,000 | 3,140 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0387% | 1,475 |
| Cost of funding earning assets | 0.2574% | 3,219 |
| Net interest margin | 3.7813% | 1,170 |
| Noninterest income to average assets | 0.2571% | 3,855 |
| Noninterest expense to average assets | 2.7601% | 1,442 |
| Loan and lease loss provision to assets | 0.1298% | 959 |
| Net operating income to assets | 0.9218% | 3,157 |
| Return on assets (ROA) | 0.9218% | 3,234 |
| Pretax return on assets | 0.9529% | 3,539 |
| Return on Equity (ROE) | 8.7429% | 3,179 |
| Retained earnings to average equity (ytd only) | 5.1226% | 3,139 |
| Net charge-offs to loans | 0.0019% | 2,144 |
| Credit loss provision to net charge-offs | 10,000.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 834.0000% | 165 |
| Efficiency ratio | 71.8243% | 1,450 |
| Assets per employee ($millions) | 5.8290% | 2,786 |
| Cash dividends to net income (ytd only)* | 41.4085% | 1,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,403 |
| Loan loss allowance to noncurrent loans | 8,185.7143% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 4,252 |
| Noncurrent loans to loans | 0.0135% | 4,173 |
| Net loans and leases to total assets | 65.3340% | 1,783 |
| Net loans and leases to deposits | 74.4206% | 1,965 |
| Net loans and leases to core deposits | 81.7582% | 1,743 |
| Total domestic deposits to total assets | 87.7902% | 1,939 |
| Equity capital to assets | 10.4675% | 2,420 |
| Core capital (leverage) ratio | 10.1769% | 2,240 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5897% | 1,772 |
| Memoranda: | ||
| Average total assets | $154,050,000 | 3,492 |
| Average earning assets | $146,087,000 | 3,456 |
| Average equity | $16,241,667 | 3,580 |
| Average total loans | $104,926,667 | 3,195 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 993 |
| Cost of funding earning assets | 0.2738% | 3,234 |
| Net interest margin | 4.0595% | 772 |
| Noninterest income to average assets | 0.3124% | 3,538 |
| Noninterest expense to average assets | 2.7588% | 1,468 |
| Loan and lease loss provision to assets | 0.1444% | 920 |
| Net operating income to assets | 1.2311% | 2,042 |
| Return on assets (ROA) | 1.2311% | 2,125 |
| Pretax return on assets | 1.2626% | 2,670 |
| Return on Equity (ROE) | 11.6337% | 2,152 |
| Retained earnings to average equity (ytd only) | 4.3410% | 3,403 |
| Net charge-offs to loans | 0.0038% | 1,789 |
| Credit loss provision to net charge-offs | 5,500.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 536.0000% | 178 |
| Efficiency ratio | 66.2256% | 2,193 |
| Assets per employee ($millions) | 6.2841% | 2,338 |
| Cash dividends to net income (ytd only)* | 62.6866% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0365% | 3,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 64.3409% | 2,004 |
| Net loans and leases to deposits | 75.1385% | 2,002 |
| Net loans and leases to core deposits | 81.6478% | 1,868 |
| Total domestic deposits to total assets | 85.6297% | 2,881 |
| Equity capital to assets | 9.9195% | 2,779 |
| Core capital (leverage) ratio | 10.2067% | 2,326 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4077% | 1,769 |
| Memoranda: | ||
| Average total assets | $152,384,000 | 3,506 |
| Average earning assets | $144,647,500 | 3,465 |
| Average equity | $16,125,500 | 3,596 |
| Average total loans | $105,405,000 | 3,195 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6658% | 955 |
| Cost of funding earning assets | 0.3520% | 3,859 |
| Net interest margin | 4.3138% | 495 |
| Noninterest income to average assets | 0.2560% | 3,951 |
| Noninterest expense to average assets | 3.0847% | 1,264 |
| Loan and lease loss provision to assets | 0.3177% | 1,167 |
| Net operating income to assets | 0.8666% | 2,839 |
| Return on assets (ROA) | 0.8666% | 2,975 |
| Pretax return on assets | 0.8979% | 3,370 |
| Return on Equity (ROE) | 7.5992% | 2,963 |
| Retained earnings to average equity (ytd only) | 6.4661% | 1,604 |
| Net charge-offs to loans | 0.0203% | 2,660 |
| Credit loss provision to net charge-offs | 2,144.4444% | 420 |
| Earnings coverage of net charge-offs (x) | 82.0556% | 883 |
| Efficiency ratio | 71.7321% | 1,712 |
| Assets per employee ($millions) | 5.2364% | 3,109 |
| Cash dividends to net income (ytd only)* | 14.9098% | 3,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 3,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 73.2321% | 1,123 |
| Net loans and leases to deposits | 87.6444% | 1,126 |
| Net loans and leases to core deposits | 92.4578% | 1,350 |
| Total domestic deposits to total assets | 83.5559% | 3,245 |
| Equity capital to assets | 11.3480% | 1,990 |
| Core capital (leverage) ratio | 11.3210% | 1,577 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9008% | 1,887 |
| Memoranda: | ||
| Average total assets | $121,503,600 | 3,728 |
| Average earning assets | $113,913,400 | 3,712 |
| Average equity | $13,856,800 | 3,779 |
| Average total loans | $88,742,600 | 3,420 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8883% | 750 |
| Cost of funding earning assets | 0.3735% | 3,944 |
| Net interest margin | 4.5148% | 359 |
| Noninterest income to average assets | 0.2643% | 3,883 |
| Noninterest expense to average assets | 3.1143% | 1,212 |
| Loan and lease loss provision to assets | 0.2643% | 1,540 |
| Net operating income to assets | 1.0789% | 2,049 |
| Return on assets (ROA) | 1.0789% | 2,182 |
| Pretax return on assets | 1.1041% | 2,733 |
| Return on Equity (ROE) | 9.4463% | 2,233 |
| Retained earnings to average equity (ytd only) | 7.8736% | 1,346 |
| Net charge-offs to loans | 0.0157% | 2,568 |
| Credit loss provision to net charge-offs | 2,310.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 119.6000% | 698 |
| Efficiency ratio | 69.4742% | 1,963 |
| Assets per employee ($millions) | 5.0893% | 3,126 |
| Cash dividends to net income (ytd only)* | 16.6490% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 4,003 |
| Loan loss allowance to noncurrent loans | 1,085.5422% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,123 |
| Noncurrent loans to loans | 0.0848% | 4,027 |
| Net loans and leases to total assets | 73.2879% | 1,461 |
| Net loans and leases to deposits | 91.3446% | 1,125 |
| Net loans and leases to core deposits | 94.1505% | 1,629 |
| Total domestic deposits to total assets | 80.2323% | 3,815 |
| Equity capital to assets | 11.9481% | 1,709 |
| Core capital (leverage) ratio | 11.4387% | 1,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8912% | 1,534 |
| Memoranda: | ||
| Average total assets | $116,534,000 | 3,780 |
| Average earning assets | $108,883,500 | 3,776 |
| Average equity | $13,310,000 | 3,837 |
| Average total loans | $84,782,000 | 3,506 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1701% | 606 |
| Cost of funding earning assets | 0.4060% | 4,014 |
| Net interest margin | 4.7641% | 301 |
| Noninterest income to average assets | 0.2157% | 4,195 |
| Noninterest expense to average assets | 3.2461% | 1,082 |
| Loan and lease loss provision to assets | 0.2247% | 1,863 |
| Net operating income to assets | 1.1485% | 1,805 |
| Return on assets (ROA) | 1.1485% | 1,932 |
| Pretax return on assets | 1.1737% | 2,450 |
| Return on Equity (ROE) | 10.2431% | 1,907 |
| Retained earnings to average equity (ytd only) | 7.7264% | 1,393 |
| Net charge-offs to loans | 0.0249% | 2,221 |
| Credit loss provision to net charge-offs | 1,250.0000% | 682 |
| Earnings coverage of net charge-offs (x) | 77.8000% | 824 |
| Efficiency ratio | 69.8916% | 1,970 |
| Assets per employee ($millions) | 5.6339% | 2,509 |
| Cash dividends to net income (ytd only)* | 24.5696% | 2,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 4,158 |
| Loan loss allowance to noncurrent loans | 196.7822% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 2,885 |
| Noncurrent loans to loans | 0.4361% | 2,858 |
| Net loans and leases to total assets | 70.8711% | 1,898 |
| Net loans and leases to deposits | 87.8122% | 1,578 |
| Net loans and leases to core deposits | 90.7747% | 2,008 |
| Total domestic deposits to total assets | 80.7075% | 3,680 |
| Equity capital to assets | 11.3576% | 2,075 |
| Core capital (leverage) ratio | 11.9132% | 1,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4572% | 1,646 |
| Memoranda: | ||
| Average total assets | $111,271,333 | 3,851 |
| Average earning assets | $103,441,333 | 3,848 |
| Average equity | $12,476,667 | 3,930 |
| Average total loans | $80,417,000 | 3,566 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 1,744 |
| Cost of funding earning assets | 0.4727% | 4,055 |
| Net interest margin | 4.2161% | 892 |
| Noninterest income to average assets | 0.2585% | 3,997 |
| Noninterest expense to average assets | 3.4157% | 1,045 |
| Loan and lease loss provision to assets | 0.1763% | 1,680 |
| Net operating income to assets | 0.5797% | 3,661 |
| Return on assets (ROA) | 0.5797% | 3,722 |
| Pretax return on assets | 0.5797% | 3,952 |
| Return on Equity (ROE) | 5.2129% | 3,565 |
| Retained earnings to average equity (ytd only) | -0.3170% | 4,038 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8779% | 981 |
| Assets per employee ($millions) | 5.0647% | 2,577 |
| Cash dividends to net income (ytd only)* | 106.0811% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9184% | 4,043 |
| Loan loss allowance to noncurrent loans | 156.2500% | 2,473 |
| Noncurrent assets plus other real estate owned to assets | 0.4363% | 2,717 |
| Noncurrent loans to loans | 0.5878% | 2,536 |
| Net loans and leases to total assets | 73.5377% | 1,687 |
| Net loans and leases to deposits | 89.2446% | 1,605 |
| Net loans and leases to core deposits | 92.8554% | 2,082 |
| Total domestic deposits to total assets | 82.4002% | 3,297 |
| Equity capital to assets | 12.1513% | 1,958 |
| Core capital (leverage) ratio | 12.2618% | 1,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8157% | 1,655 |
| Memoranda: | ||
| Average total assets | $102,117,500 | 3,959 |
| Average earning assets | $94,779,500 | 3,950 |
| Average equity | $11,356,500 | 4,088 |
| Average total loans | $74,311,000 | 3,680 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 2,719 |
| Cost of funding earning assets | 0.3744% | 4,526 |
| Net interest margin | 4.1936% | 1,333 |
| Noninterest income to average assets | 0.4275% | 3,121 |
| Noninterest expense to average assets | 3.8234% | 650 |
| Loan and lease loss provision to assets | 0.1655% | 1,261 |
| Net operating income to assets | 0.3188% | 4,727 |
| Return on assets (ROA) | 0.3209% | 4,753 |
| Pretax return on assets | 0.3402% | 4,778 |
| Return on Equity (ROE) | 3.1612% | 4,635 |
| Retained earnings to average equity (ytd only) | 3.1612% | 3,440 |
| Net charge-offs to loans | 0.0109% | 3,303 |
| Credit loss provision to net charge-offs | 2,433.3333% | 159 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 845 |
| Efficiency ratio | 88.3648% | 420 |
| Assets per employee ($millions) | 4.2555% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 3,626 |
| Loan loss allowance to noncurrent loans | 121.4286% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 0.5722% | 2,174 |
| Noncurrent loans to loans | 0.8036% | 1,905 |
| Net loans and leases to total assets | 70.5004% | 2,313 |
| Net loans and leases to deposits | 81.4118% | 2,627 |
| Net loans and leases to core deposits | 84.2558% | 2,925 |
| Total domestic deposits to total assets | 86.5973% | 1,808 |
| Equity capital to assets | 10.0014% | 3,914 |
| Core capital (leverage) ratio | 10.4206% | 3,045 |
| Tier 1 risk-based capital ratio | 13.0284% | 3,780 |
| Total risk-based capital ratio | 13.9341% | 3,838 |
| Memoranda: | ||
| Average total assets | $88,193,000 | 4,168 |
| Average earning assets | $82,006,200 | 4,154 |
| Average equity | $8,952,200 | 4,380 |
| Average total loans | $55,042,600 | 4,078 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6074% | 2,698 |
| Cost of funding earning assets | 0.3394% | 4,691 |
| Net interest margin | 4.2680% | 1,230 |
| Noninterest income to average assets | 0.4601% | 2,959 |
| Noninterest expense to average assets | 3.8660% | 614 |
| Loan and lease loss provision to assets | 0.1383% | 1,398 |
| Net operating income to assets | 0.4089% | 4,707 |
| Return on assets (ROA) | 0.4119% | 4,727 |
| Pretax return on assets | 0.4275% | 4,780 |
| Return on Equity (ROE) | 4.0412% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.0412% | 3,375 |
| Net charge-offs to loans | 0.0156% | 2,842 |
| Credit loss provision to net charge-offs | 1,483.3333% | 252 |
| Earnings coverage of net charge-offs (x) | 60.3313% | 1,049 |
| Efficiency ratio | 87.2938% | 440 |
| Assets per employee ($millions) | 3.9722% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9948% | 3,595 |
| Loan loss allowance to noncurrent loans | 142.0091% | 2,719 |
| Noncurrent assets plus other real estate owned to assets | 0.4794% | 2,606 |
| Noncurrent loans to loans | 0.7005% | 2,205 |
| Net loans and leases to total assets | 67.7583% | 2,822 |
| Net loans and leases to deposits | 81.9584% | 2,685 |
| Net loans and leases to core deposits | 82.7107% | 3,200 |
| Total domestic deposits to total assets | 82.6740% | 3,257 |
| Equity capital to assets | 10.0799% | 3,939 |
| Core capital (leverage) ratio | 10.1439% | 3,484 |
| Tier 1 risk-based capital ratio | 13.3237% | 3,672 |
| Total risk-based capital ratio | 14.2183% | 3,765 |
| Memoranda: | ||
| Average total assets | $85,772,250 | 4,258 |
| Average earning assets | $79,754,500 | 4,244 |
| Average equity | $8,743,000 | 4,464 |
| Average total loans | $51,382,500 | 4,206 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 2,823 |
| Cost of funding earning assets | 0.2722% | 4,896 |
| Net interest margin | 4.2834% | 1,178 |
| Noninterest income to average assets | 0.4195% | 3,140 |
| Noninterest expense to average assets | 3.9400% | 580 |
| Loan and lease loss provision to assets | 0.1216% | 1,542 |
| Net operating income to assets | 0.3069% | 4,869 |
| Return on assets (ROA) | 0.3003% | 4,882 |
| Pretax return on assets | 0.3265% | 4,908 |
| Return on Equity (ROE) | 2.9344% | 4,803 |
| Retained earnings to average equity (ytd only) | 2.9344% | 3,749 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6421% | 364 |
| Assets per employee ($millions) | 4.1385% | 3,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,626 |
| Loan loss allowance to noncurrent loans | 129.3860% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 2,545 |
| Noncurrent loans to loans | 0.7727% | 2,055 |
| Net loans and leases to total assets | 64.1716% | 3,320 |
| Net loans and leases to deposits | 74.5785% | 3,471 |
| Net loans and leases to core deposits | 75.2382% | 3,793 |
| Total domestic deposits to total assets | 86.0458% | 2,014 |
| Equity capital to assets | 9.9189% | 4,040 |
| Core capital (leverage) ratio | 10.6094% | 2,972 |
| Tier 1 risk-based capital ratio | 13.6730% | 3,497 |
| Total risk-based capital ratio | 14.5572% | 3,585 |
| Memoranda: | ||
| Average total assets | $83,909,670 | 4,307 |
| Average earning assets | $77,882,670 | 4,295 |
| Average equity | $8,587,670 | 4,500 |
| Average total loans | $47,668,000 | 4,310 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 2,346 |
| Cost of funding earning assets | 0.2155% | 5,085 |
| Net interest margin | 4.4447% | 821 |
| Noninterest income to average assets | 0.3883% | 3,268 |
| Noninterest expense to average assets | 4.0976% | 466 |
| Loan and lease loss provision to assets | 0.0647% | 2,368 |
| Net operating income to assets | 0.3116% | 4,880 |
| Return on assets (ROA) | 0.2838% | 4,927 |
| Pretax return on assets | 0.3037% | 4,958 |
| Return on Equity (ROE) | 2.7253% | 4,845 |
| Retained earnings to average equity (ytd only) | 2.7253% | 3,847 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1406% | 351 |
| Assets per employee ($millions) | 3.9579% | 3,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1784% | 2,698 |
| Loan loss allowance to noncurrent loans | 117.6972% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5643% | 2,379 |
| Noncurrent loans to loans | 1.0012% | 1,667 |
| Net loans and leases to total assets | 55.6945% | 4,088 |
| Net loans and leases to deposits | 63.6933% | 4,202 |
| Net loans and leases to core deposits | 64.0786% | 4,375 |
| Total domestic deposits to total assets | 87.4416% | 1,591 |
| Equity capital to assets | 10.3434% | 3,481 |
| Core capital (leverage) ratio | 11.0830% | 2,494 |
| Tier 1 risk-based capital ratio | 17.3796% | 1,980 |
| Total risk-based capital ratio | 18.4390% | 1,994 |
| Memoranda: | ||
| Average total assets | $80,340,500 | 4,414 |
| Average earning assets | $74,246,000 | 4,409 |
| Average equity | $8,366,000 | 4,562 |
| Average total loans | $41,993,500 | 4,490 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4138% | 4,993 |
| Cost of funding earning assets | 0.1388% | 5,208 |
| Net interest margin | 3.2750% | 4,323 |
| Noninterest income to average assets | 0.3845% | 3,530 |
| Noninterest expense to average assets | 3.3626% | 1,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.0317% | 5,217 |
| Return on assets (ROA) | 0.0317% | 5,213 |
| Pretax return on assets | 0.0462% | 5,208 |
| Return on Equity (ROE) | 0.3651% | 5,206 |
| Retained earnings to average equity (ytd only) | -1.7950% | 5,118 |
| Net charge-offs to loans | -0.0032% | 4,293 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6434% | 163 |
| Assets per employee ($millions) | 3.6936% | 4,328 |
| Cash dividends to net income (ytd only)* | 591.6667% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 1,442 |
| Loan loss allowance to noncurrent loans | 120.8520% | 3,104 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 2,321 |
| Noncurrent loans to loans | 1.2007% | 1,335 |
| Net loans and leases to total assets | 47.1927% | 4,685 |
| Net loans and leases to deposits | 53.1563% | 4,780 |
| Net loans and leases to core deposits | 53.4957% | 4,861 |
| Total domestic deposits to total assets | 88.7810% | 953 |
| Equity capital to assets | 10.4880% | 3,208 |
| Core capital (leverage) ratio | 11.5840% | 2,037 |
| Tier 1 risk-based capital ratio | 20.1866% | 1,273 |
| Total risk-based capital ratio | 21.4162% | 1,258 |
| Memoranda: | ||
| Average total assets | $75,685,400 | 4,505 |
| Average earning assets | $69,893,600 | 4,496 |
| Average equity | $6,573,800 | 4,818 |
| Average total loans | $31,060,000 | 4,790 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2801% | 5,141 |
| Cost of funding earning assets | 0.1360% | 5,257 |
| Net interest margin | 3.1441% | 4,626 |
| Noninterest income to average assets | 0.4485% | 3,178 |
| Noninterest expense to average assets | 3.0206% | 1,951 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3173% | 5,077 |
| Return on assets (ROA) | 0.3173% | 5,070 |
| Pretax return on assets | 0.3368% | 5,102 |
| Return on Equity (ROE) | 3.8596% | 4,852 |
| Retained earnings to average equity (ytd only) | 1.0135% | 4,852 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9683% | 326 |
| Assets per employee ($millions) | 4.0093% | 3,871 |
| Cash dividends to net income (ytd only)* | 73.7451% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8071% | 713 |
| Loan loss allowance to noncurrent loans | 118.4615% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 2,391 |
| Noncurrent loans to loans | 1.5255% | 1,058 |
| Net loans and leases to total assets | 38.4460% | 5,071 |
| Net loans and leases to deposits | 41.8183% | 5,158 |
| Net loans and leases to core deposits | 41.8183% | 5,204 |
| Total domestic deposits to total assets | 91.9359% | 87 |
| Equity capital to assets | 7.9433% | 5,197 |
| Core capital (leverage) ratio | 9.2059% | 4,508 |
| Tier 1 risk-based capital ratio | 18.7204% | 1,611 |
| Total risk-based capital ratio | 19.9722% | 1,575 |
| Memoranda: | ||
| Average total assets | $75,215,500 | 4,552 |
| Average earning assets | $69,588,750 | 4,546 |
| Average equity | $6,183,500 | 4,923 |
| Average total loans | $29,539,000 | 4,885 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2356% | 5,196 |
| Cost of funding earning assets | 0.1327% | 5,309 |
| Net interest margin | 3.1030% | 4,723 |
| Noninterest income to average assets | 0.2964% | 4,198 |
| Noninterest expense to average assets | 2.9561% | 2,184 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1923% | 5,239 |
| Return on assets (ROA) | 0.1923% | 5,231 |
| Pretax return on assets | 0.2136% | 5,228 |
| Return on Equity (ROE) | 2.3123% | 5,134 |
| Retained earnings to average equity (ytd only) | -1.9269% | 5,139 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2603% | 278 |
| Assets per employee ($millions) | 4.1379% | 3,667 |
| Cash dividends to net income (ytd only)* | 183.3333% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 755 |
| Loan loss allowance to noncurrent loans | 108.4507% | 3,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6673% | 2,236 |
| Noncurrent loans to loans | 1.6576% | 964 |
| Net loans and leases to total assets | 39.5330% | 5,069 |
| Net loans and leases to deposits | 43.0457% | 5,169 |
| Net loans and leases to core deposits | 43.0457% | 5,215 |
| Total domestic deposits to total assets | 91.8396% | 103 |
| Equity capital to assets | 8.1040% | 5,186 |
| Core capital (leverage) ratio | 9.3232% | 4,333 |
| Tier 1 risk-based capital ratio | 18.9136% | 1,567 |
| Total risk-based capital ratio | 20.1676% | 1,529 |
| Memoranda: | ||
| Average total assets | $74,895,000 | 4,609 |
| Average earning assets | $69,353,000 | 4,599 |
| Average equity | $6,227,670 | 4,970 |
| Average total loans | $29,443,330 | 4,935 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2110% | 5,220 |
| Cost of funding earning assets | 0.1381% | 5,323 |
| Net interest margin | 3.0729% | 4,757 |
| Noninterest income to average assets | 0.3142% | 4,053 |
| Noninterest expense to average assets | 2.9027% | 2,362 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.2450% | 5,190 |
| Return on assets (ROA) | 0.2450% | 5,190 |
| Pretax return on assets | 0.2557% | 5,209 |
| Return on Equity (ROE) | 2.9098% | 5,037 |
| Retained earnings to average equity (ytd only) | -5.4400% | 5,222 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9056% | 370 |
| Assets per employee ($millions) | 4.1475% | 3,733 |
| Cash dividends to net income (ytd only)* | 286.9565% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8319% | 731 |
| Loan loss allowance to noncurrent loans | 108.2495% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7140% | 2,182 |
| Noncurrent loans to loans | 1.6923% | 1,011 |
| Net loans and leases to total assets | 38.6190% | 5,119 |
| Net loans and leases to deposits | 42.0989% | 5,214 |
| Net loans and leases to core deposits | 42.0989% | 5,263 |
| Total domestic deposits to total assets | 91.7340% | 144 |
| Equity capital to assets | 8.1481% | 5,206 |
| Core capital (leverage) ratio | 9.3590% | 4,246 |
| Tier 1 risk-based capital ratio | 19.2379% | 1,496 |
| Total risk-based capital ratio | 20.4904% | 1,454 |
| Memoranda: | ||
| Average total assets | $75,101,500 | 4,658 |
| Average earning assets | $69,512,000 | 4,651 |
| Average equity | $6,323,500 | 5,009 |
| Average total loans | $29,173,000 | 4,987 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2315% | 5,157 |
| Cost of funding earning assets | 0.1575% | 5,219 |
| Net interest margin | 3.0741% | 4,740 |
| Noninterest income to average assets | 0.5159% | 2,907 |
| Noninterest expense to average assets | 2.9281% | 2,363 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3725% | 4,780 |
| Return on assets (ROA) | 0.4034% | 4,700 |
| Pretax return on assets | 0.4194% | 5,063 |
| Return on Equity (ROE) | 4.5444% | 4,334 |
| Retained earnings to average equity (ytd only) | 2.7930% | 3,636 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3185% | 516 |
| Assets per employee ($millions) | 4.1971% | 3,660 |
| Cash dividends to net income (ytd only)* | 38.5382% | 2,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8566% | 699 |
| Loan loss allowance to noncurrent loans | 108.2495% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.7055% | 2,212 |
| Noncurrent loans to loans | 1.7152% | 946 |
| Net loans and leases to total assets | 37.6436% | 5,237 |
| Net loans and leases to deposits | 41.2416% | 5,318 |
| Net loans and leases to core deposits | 41.4659% | 5,346 |
| Total domestic deposits to total assets | 91.2757% | 181 |
| Equity capital to assets | 8.6885% | 4,962 |
| Core capital (leverage) ratio | 9.2106% | 4,383 |
| Tier 1 risk-based capital ratio | 19.7120% | 1,377 |
| Total risk-based capital ratio | 20.9654% | 1,339 |
| Memoranda: | ||
| Average total assets | $74,622,800 | 4,699 |
| Average earning assets | $67,955,600 | 4,705 |
| Average equity | $6,623,600 | 5,003 |
| Average total loans | $29,725,400 | 5,038 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2262% | 5,201 |
| Cost of funding earning assets | 0.1618% | 5,244 |
| Net interest margin | 3.0644% | 4,790 |
| Noninterest income to average assets | 0.4588% | 3,282 |
| Noninterest expense to average assets | 2.9071% | 2,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3194% | 5,182 |
| Return on assets (ROA) | 0.3602% | 5,102 |
| Pretax return on assets | 0.3782% | 5,221 |
| Return on Equity (ROE) | 4.0369% | 4,843 |
| Retained earnings to average equity (ytd only) | 1.7072% | 4,744 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6628% | 422 |
| Assets per employee ($millions) | 3.7696% | 4,340 |
| Cash dividends to net income (ytd only)* | 57.7111% | 1,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8146% | 831 |
| Loan loss allowance to noncurrent loans | 108.2495% | 3,390 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 2,386 |
| Noncurrent loans to loans | 1.6763% | 1,086 |
| Net loans and leases to total assets | 38.6129% | 5,243 |
| Net loans and leases to deposits | 42.4773% | 5,355 |
| Net loans and leases to core deposits | 42.7123% | 5,401 |
| Total domestic deposits to total assets | 90.9022% | 208 |
| Equity capital to assets | 8.9811% | 4,930 |
| Core capital (leverage) ratio | 9.2861% | 4,424 |
| Tier 1 risk-based capital ratio | 19.0444% | 1,572 |
| Total risk-based capital ratio | 20.2978% | 1,536 |
| Memoranda: | ||
| Average total assets | $74,391,500 | 4,750 |
| Average earning assets | $67,569,750 | 4,761 |
| Average equity | $6,638,500 | 5,055 |
| Average total loans | $29,912,500 | 5,081 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1972% | 5,245 |
| Cost of funding earning assets | 0.1613% | 5,265 |
| Net interest margin | 3.0359% | 4,833 |
| Noninterest income to average assets | 0.3646% | 3,947 |
| Noninterest expense to average assets | 2.9247% | 2,344 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.2179% | 5,369 |
| Return on assets (ROA) | 0.2782% | 5,290 |
| Pretax return on assets | 0.2998% | 5,338 |
| Return on Equity (ROE) | 3.1239% | 5,079 |
| Retained earnings to average equity (ytd only) | -0.3943% | 5,145 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5641% | 343 |
| Assets per employee ($millions) | 3.7259% | 4,401 |
| Cash dividends to net income (ytd only)* | 112.6214% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8585% | 779 |
| Loan loss allowance to noncurrent loans | 1,855.1724% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.0872% | 4,844 |
| Noncurrent loans to loans | 0.1002% | 4,729 |
| Net loans and leases to total assets | 38.1250% | 5,300 |
| Net loans and leases to deposits | 41.9212% | 5,402 |
| Net loans and leases to core deposits | 42.1557% | 5,442 |
| Total domestic deposits to total assets | 90.9445% | 235 |
| Equity capital to assets | 8.9884% | 4,919 |
| Core capital (leverage) ratio | 9.1677% | 4,533 |
| Tier 1 risk-based capital ratio | 19.8278% | 1,401 |
| Total risk-based capital ratio | 21.0815% | 1,371 |
| Memoranda: | ||
| Average total assets | $74,058,000 | 4,783 |
| Average earning assets | $68,185,000 | 4,782 |
| Average equity | $6,594,330 | 5,091 |
| Average total loans | $30,000,330 | 5,115 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2455% | 5,184 |
| Cost of funding earning assets | 0.1646% | 5,270 |
| Net interest margin | 3.0809% | 4,708 |
| Noninterest income to average assets | 0.3576% | 3,979 |
| Noninterest expense to average assets | 2.9582% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2273% | 5,352 |
| Return on assets (ROA) | 0.3522% | 5,089 |
| Pretax return on assets | 0.3684% | 5,212 |
| Return on Equity (ROE) | 3.9740% | 4,789 |
| Retained earnings to average equity (ytd only) | -3.1181% | 5,269 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5424% | 425 |
| Assets per employee ($millions) | 3.7268% | 4,455 |
| Cash dividends to net income (ytd only)* | 178.4615% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 963 |
| Loan loss allowance to noncurrent loans | 53,900.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 5,084 |
| Noncurrent loans to loans | 0.0033% | 5,261 |
| Net loans and leases to total assets | 39.5057% | 5,265 |
| Net loans and leases to deposits | 43.3463% | 5,381 |
| Net loans and leases to core deposits | 43.5895% | 5,424 |
| Total domestic deposits to total assets | 91.1399% | 262 |
| Equity capital to assets | 8.7488% | 5,039 |
| Core capital (leverage) ratio | 9.1105% | 4,605 |
| Tier 1 risk-based capital ratio | 19.0018% | 1,616 |
| Total risk-based capital ratio | 20.2552% | 1,576 |
| Memoranda: | ||
| Average total assets | $73,828,000 | 4,837 |
| Average earning assets | $68,032,000 | 4,831 |
| Average equity | $6,542,500 | 5,150 |
| Average total loans | $30,526,500 | 5,140 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2855% | 5,181 |
| Cost of funding earning assets | 0.1710% | 5,281 |
| Net interest margin | 3.1144% | 4,693 |
| Noninterest income to average assets | 0.5759% | 2,782 |
| Noninterest expense to average assets | 3.0872% | 2,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3556% | 5,066 |
| Return on assets (ROA) | 0.3612% | 5,139 |
| Pretax return on assets | 0.3639% | 5,278 |
| Return on Equity (ROE) | 3.8433% | 4,888 |
| Retained earnings to average equity (ytd only) | 2.1962% | 4,281 |
| Net charge-offs to loans | -0.0090% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5994% | 581 |
| Assets per employee ($millions) | 3.8484% | 4,223 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 1,076 |
| Loan loss allowance to noncurrent loans | 1,169.5652% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 4,851 |
| Noncurrent loans to loans | 0.1481% | 4,641 |
| Net loans and leases to total assets | 41.7533% | 5,241 |
| Net loans and leases to deposits | 45.8905% | 5,370 |
| Net loans and leases to core deposits | 46.1527% | 5,422 |
| Total domestic deposits to total assets | 90.9847% | 285 |
| Equity capital to assets | 8.9770% | 4,842 |
| Core capital (leverage) ratio | 9.4403% | 4,171 |
| Tier 1 risk-based capital ratio | 18.6709% | 1,684 |
| Total risk-based capital ratio | 19.9235% | 1,651 |
| Memoranda: | ||
| Average total assets | $71,714,800 | 4,894 |
| Average earning assets | $66,079,200 | 4,891 |
| Average equity | $6,739,000 | 5,144 |
| Average total loans | $33,432,800 | 5,087 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3145% | 5,194 |
| Cost of funding earning assets | 0.1721% | 5,329 |
| Net interest margin | 3.1424% | 4,666 |
| Noninterest income to average assets | 0.6857% | 2,235 |
| Noninterest expense to average assets | 3.1238% | 1,964 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4615% | 4,830 |
| Return on assets (ROA) | 0.4690% | 4,883 |
| Pretax return on assets | 0.4690% | 5,191 |
| Return on Equity (ROE) | 4.9340% | 4,544 |
| Retained earnings to average equity (ytd only) | 2.7520% | 4,246 |
| Net charge-offs to loans | -0.0078% | 4,711 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1287% | 727 |
| Assets per employee ($millions) | 3.7632% | 4,372 |
| Cash dividends to net income (ytd only)* | 44.2240% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 1,429 |
| Loan loss allowance to noncurrent loans | 896.6667% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1385% | 4,883 |
| Noncurrent loans to loans | 0.1800% | 4,630 |
| Net loans and leases to total assets | 45.8755% | 5,102 |
| Net loans and leases to deposits | 50.8779% | 5,258 |
| Net loans and leases to core deposits | 51.1828% | 5,345 |
| Total domestic deposits to total assets | 90.1678% | 418 |
| Equity capital to assets | 9.6951% | 4,468 |
| Core capital (leverage) ratio | 9.3313% | 4,421 |
| Tier 1 risk-based capital ratio | 18.2726% | 1,845 |
| Total risk-based capital ratio | 19.5242% | 1,815 |
| Memoranda: | ||
| Average total assets | $71,363,500 | 4,947 |
| Average earning assets | $65,851,250 | 4,936 |
| Average equity | $6,782,750 | 5,182 |
| Average total loans | $34,024,000 | 5,114 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3439% | 5,197 |
| Cost of funding earning assets | 0.1734% | 5,382 |
| Net interest margin | 3.1704% | 4,640 |
| Noninterest income to average assets | 0.5553% | 2,878 |
| Noninterest expense to average assets | 3.1184% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3590% | 5,157 |
| Return on assets (ROA) | 0.3702% | 5,211 |
| Pretax return on assets | 0.3702% | 5,391 |
| Return on Equity (ROE) | 3.9210% | 4,937 |
| Retained earnings to average equity (ytd only) | 0.6238% | 5,121 |
| Net charge-offs to loans | -0.0117% | 4,745 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6774% | 620 |
| Assets per employee ($millions) | 3.5658% | 4,657 |
| Cash dividends to net income (ytd only)* | 84.0909% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 1,560 |
| Loan loss allowance to noncurrent loans | 896.6667% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 4,956 |
| Noncurrent loans to loans | 0.1772% | 4,723 |
| Net loans and leases to total assets | 46.7230% | 5,083 |
| Net loans and leases to deposits | 51.7206% | 5,258 |
| Net loans and leases to core deposits | 52.0299% | 5,359 |
| Total domestic deposits to total assets | 90.3374% | 372 |
| Equity capital to assets | 9.5967% | 4,673 |
| Core capital (leverage) ratio | 9.4137% | 4,318 |
| Tier 1 risk-based capital ratio | 18.1133% | 1,903 |
| Total risk-based capital ratio | 19.3653% | 1,871 |
| Memoranda: | ||
| Average total assets | $71,318,000 | 5,001 |
| Average earning assets | $65,732,000 | 4,988 |
| Average equity | $6,733,000 | 5,239 |
| Average total loans | $34,252,330 | 5,167 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3649% | 5,193 |
| Cost of funding earning assets | 0.1771% | 5,396 |
| Net interest margin | 3.1878% | 4,621 |
| Noninterest income to average assets | 0.3085% | 4,522 |
| Noninterest expense to average assets | 3.0455% | 2,256 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1907% | 5,544 |
| Return on assets (ROA) | 0.2131% | 5,567 |
| Pretax return on assets | 0.2131% | 5,629 |
| Return on Equity (ROE) | 2.2763% | 5,441 |
| Retained earnings to average equity (ytd only) | -4.3729% | 5,572 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1075% | 445 |
| Assets per employee ($millions) | 3.4579% | 4,872 |
| Cash dividends to net income (ytd only)* | 292.1053% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 1,611 |
| Loan loss allowance to noncurrent loans | 864.5161% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.1460% | 4,991 |
| Noncurrent loans to loans | 0.1849% | 4,753 |
| Net loans and leases to total assets | 47.7161% | 4,988 |
| Net loans and leases to deposits | 52.8873% | 5,173 |
| Net loans and leases to core deposits | 53.2182% | 5,302 |
| Total domestic deposits to total assets | 90.2222% | 518 |
| Equity capital to assets | 9.6534% | 4,498 |
| Core capital (leverage) ratio | 9.2075% | 4,592 |
| Tier 1 risk-based capital ratio | 18.0567% | 1,966 |
| Total risk-based capital ratio | 19.3088% | 1,931 |
| Memoranda: | ||
| Average total assets | $71,319,000 | 5,042 |
| Average earning assets | $65,499,000 | 5,034 |
| Average equity | $6,677,500 | 5,287 |
| Average total loans | $34,449,000 | 5,196 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3521% | 5,254 |
| Cost of funding earning assets | 0.1926% | 5,342 |
| Net interest margin | 3.1595% | 4,755 |
| Noninterest income to average assets | 0.4472% | 3,696 |
| Noninterest expense to average assets | 3.0044% | 2,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3457% | 5,222 |
| Return on assets (ROA) | 0.3496% | 5,309 |
| Pretax return on assets | 0.3591% | 5,411 |
| Return on Equity (ROE) | 3.8888% | 4,995 |
| Retained earnings to average equity (ytd only) | 1.6580% | 4,780 |
| Net charge-offs to loans | 0.0255% | 3,729 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 29.1111% | 1,485 |
| Efficiency ratio | 89.4312% | 723 |
| Assets per employee ($millions) | 3.6741% | 4,523 |
| Cash dividends to net income (ytd only)* | 57.3643% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5157% | 1,933 |
| Loan loss allowance to noncurrent loans | 864.5161% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 5,040 |
| Noncurrent loans to loans | 0.1753% | 4,789 |
| Net loans and leases to total assets | 47.3959% | 5,066 |
| Net loans and leases to deposits | 52.1604% | 5,275 |
| Net loans and leases to core deposits | 52.4637% | 5,396 |
| Total domestic deposits to total assets | 90.8657% | 314 |
| Equity capital to assets | 9.0894% | 5,028 |
| Core capital (leverage) ratio | 9.0184% | 4,862 |
| Tier 1 risk-based capital ratio | 17.5847% | 2,101 |
| Total risk-based capital ratio | 18.8358% | 2,048 |
| Memoranda: | ||
| Average total assets | $73,791,000 | 4,995 |
| Average earning assets | $68,016,800 | 4,986 |
| Average equity | $6,634,400 | 5,317 |
| Average total loans | $35,360,600 | 5,180 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3717% | 5,270 |
| Cost of funding earning assets | 0.1959% | 5,411 |
| Net interest margin | 3.1758% | 4,758 |
| Noninterest income to average assets | 0.5270% | 3,185 |
| Noninterest expense to average assets | 3.0215% | 2,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4207% | 5,082 |
| Return on assets (ROA) | 0.4260% | 5,149 |
| Pretax return on assets | 0.4368% | 5,384 |
| Return on Equity (ROE) | 4.7508% | 4,737 |
| Retained earnings to average equity (ytd only) | 1.7715% | 4,992 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5065% | 889 |
| Assets per employee ($millions) | 3.6837% | 4,475 |
| Cash dividends to net income (ytd only)* | 62.7121% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5704% | 1,887 |
| Loan loss allowance to noncurrent loans | 664.6341% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.1642% | 5,101 |
| Noncurrent loans to loans | 0.2363% | 4,724 |
| Net loans and leases to total assets | 46.3671% | 5,205 |
| Net loans and leases to deposits | 51.0796% | 5,415 |
| Net loans and leases to core deposits | 51.3800% | 5,527 |
| Total domestic deposits to total assets | 90.7741% | 315 |
| Equity capital to assets | 9.1024% | 5,209 |
| Core capital (leverage) ratio | 8.9254% | 5,086 |
| Tier 1 risk-based capital ratio | 17.7033% | 2,116 |
| Total risk-based capital ratio | 18.9563% | 2,079 |
| Memoranda: | ||
| Average total assets | $73,868,500 | 5,055 |
| Average earning assets | $68,054,250 | 5,042 |
| Average equity | $6,623,250 | 5,383 |
| Average total loans | $35,360,000 | 5,235 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4097% | 5,209 |
| Cost of funding earning assets | 0.2028% | 5,411 |
| Net interest margin | 3.2069% | 4,639 |
| Noninterest income to average assets | 0.3165% | 4,691 |
| Noninterest expense to average assets | 2.9675% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2949% | 5,449 |
| Return on assets (ROA) | 0.2949% | 5,550 |
| Pretax return on assets | 0.3003% | 5,659 |
| Return on Equity (ROE) | 3.3052% | 5,304 |
| Retained earnings to average equity (ytd only) | -1.1826% | 5,719 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8113% | 697 |
| Assets per employee ($millions) | 3.6781% | 4,475 |
| Cash dividends to net income (ytd only)* | 135.7798% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5573% | 2,064 |
| Loan loss allowance to noncurrent loans | 641.1765% | 825 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 5,202 |
| Noncurrent loans to loans | 0.2429% | 4,787 |
| Net loans and leases to total assets | 46.8326% | 5,187 |
| Net loans and leases to deposits | 51.4963% | 5,417 |
| Net loans and leases to core deposits | 51.8021% | 5,547 |
| Total domestic deposits to total assets | 90.9437% | 307 |
| Equity capital to assets | 8.9544% | 5,280 |
| Core capital (leverage) ratio | 8.7094% | 5,310 |
| Tier 1 risk-based capital ratio | 17.1211% | 2,362 |
| Total risk-based capital ratio | 18.3729% | 2,306 |
| Memoranda: | ||
| Average total assets | $73,933,670 | 5,104 |
| Average earning assets | $68,041,670 | 5,098 |
| Average equity | $6,595,670 | 5,434 |
| Average total loans | $35,578,330 | 5,275 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3784% | 5,254 |
| Cost of funding earning assets | 0.2108% | 5,410 |
| Net interest margin | 3.1676% | 4,725 |
| Noninterest income to average assets | 0.3346% | 4,510 |
| Noninterest expense to average assets | 2.8980% | 2,913 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3562% | 5,236 |
| Return on assets (ROA) | 0.3562% | 5,350 |
| Pretax return on assets | 0.3562% | 5,526 |
| Return on Equity (ROE) | 4.0000% | 4,984 |
| Retained earnings to average equity (ytd only) | -4.9697% | 5,935 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0547% | 933 |
| Assets per employee ($millions) | 3.7032% | 4,509 |
| Cash dividends to net income (ytd only)* | 224.2424% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5261% | 2,344 |
| Loan loss allowance to noncurrent loans | 465.8120% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.4240% | 4,338 |
| Noncurrent loans to loans | 0.3276% | 4,619 |
| Net loans and leases to total assets | 47.4833% | 5,087 |
| Net loans and leases to deposits | 52.1889% | 5,319 |
| Net loans and leases to core deposits | 52.4974% | 5,454 |
| Total domestic deposits to total assets | 90.9835% | 373 |
| Equity capital to assets | 8.8977% | 5,395 |
| Core capital (leverage) ratio | 8.5843% | 5,439 |
| Tier 1 risk-based capital ratio | 17.3887% | 2,344 |
| Total risk-based capital ratio | 18.6412% | 2,298 |
| Memoranda: | ||
| Average total assets | $74,119,500 | 5,148 |
| Average earning assets | $68,317,000 | 5,137 |
| Average equity | $6,600,000 | 5,483 |
| Average total loans | $35,869,500 | 5,303 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4320% | 5,461 |
| Cost of funding earning assets | 0.2462% | 5,365 |
| Net interest margin | 3.1858% | 4,973 |
| Noninterest income to average assets | 0.5092% | 3,437 |
| Noninterest expense to average assets | 3.0406% | 2,722 |
| Loan and lease loss provision to assets | -0.0997% | 6,148 |
| Net operating income to assets | 0.4720% | 4,914 |
| Return on assets (ROA) | 0.4720% | 5,015 |
| Pretax return on assets | 0.4760% | 5,308 |
| Return on Equity (ROE) | 5.5569% | 4,383 |
| Retained earnings to average equity (ytd only) | 3.2089% | 3,954 |
| Net charge-offs to loans | 0.0445% | 3,936 |
| Credit loss provision to net charge-offs | -468.7500% | 5,776 |
| Earnings coverage of net charge-offs (x) | 17.6875% | 1,901 |
| Efficiency ratio | 88.9883% | 916 |
| Assets per employee ($millions) | 3.9039% | 4,154 |
| Cash dividends to net income (ytd only)* | 42.2535% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 2,416 |
| Loan loss allowance to noncurrent loans | 446.7213% | 1,168 |
| Noncurrent assets plus other real estate owned to assets | 0.4301% | 4,385 |
| Noncurrent loans to loans | 0.3386% | 4,638 |
| Net loans and leases to total assets | 47.8342% | 5,170 |
| Net loans and leases to deposits | 52.5481% | 5,442 |
| Net loans and leases to core deposits | 52.8565% | 5,577 |
| Total domestic deposits to total assets | 91.0293% | 353 |
| Equity capital to assets | 8.9114% | 5,371 |
| Core capital (leverage) ratio | 8.5428% | 5,509 |
| Tier 1 risk-based capital ratio | 16.9064% | 2,548 |
| Total risk-based capital ratio | 18.1580% | 2,498 |
| Memoranda: | ||
| Average total assets | $75,216,400 | 5,173 |
| Average earning assets | $68,648,400 | 5,157 |
| Average equity | $6,388,400 | 5,552 |
| Average total loans | $35,960,000 | 5,330 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 5,505 |
| Cost of funding earning assets | 0.2480% | 5,430 |
| Net interest margin | 3.2003% | 4,970 |
| Noninterest income to average assets | 0.6112% | 2,799 |
| Noninterest expense to average assets | 3.0773% | 2,535 |
| Loan and lease loss provision to assets | -0.1325% | 6,329 |
| Net operating income to assets | 0.5847% | 4,514 |
| Return on assets (ROA) | 0.5847% | 4,599 |
| Pretax return on assets | 0.5847% | 5,070 |
| Return on Equity (ROE) | 6.9686% | 3,721 |
| Retained earnings to average equity (ytd only) | 3.8107% | 3,942 |
| Net charge-offs to loans | 0.0593% | 3,360 |
| Credit loss provision to net charge-offs | -468.7500% | 5,731 |
| Earnings coverage of net charge-offs (x) | 16.0019% | 2,014 |
| Efficiency ratio | 87.1872% | 1,081 |
| Assets per employee ($millions) | 3.7848% | 4,320 |
| Cash dividends to net income (ytd only)* | 45.3186% | 2,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 2,526 |
| Loan loss allowance to noncurrent loans | 326.3473% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.4320% | 4,618 |
| Noncurrent loans to loans | 0.4730% | 4,486 |
| Net loans and leases to total assets | 45.9218% | 5,385 |
| Net loans and leases to deposits | 50.3243% | 5,632 |
| Net loans and leases to core deposits | 50.6167% | 5,757 |
| Total domestic deposits to total assets | 91.2518% | 291 |
| Equity capital to assets | 8.6200% | 5,704 |
| Core capital (leverage) ratio | 8.4859% | 5,672 |
| Tier 1 risk-based capital ratio | 17.6621% | 2,331 |
| Total risk-based capital ratio | 18.9147% | 2,290 |
| Memoranda: | ||
| Average total assets | $75,476,750 | 5,217 |
| Average earning assets | $68,824,750 | 5,209 |
| Average equity | $6,333,000 | 5,617 |
| Average total loans | $35,943,500 | 5,382 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4519% | 5,515 |
| Cost of funding earning assets | 0.2503% | 5,481 |
| Net interest margin | 3.2016% | 4,942 |
| Noninterest income to average assets | 0.3369% | 4,728 |
| Noninterest expense to average assets | 3.0768% | 2,578 |
| Loan and lease loss provision to assets | -0.1989% | 6,477 |
| Net operating income to assets | 0.3766% | 5,303 |
| Return on assets (ROA) | 0.3766% | 5,373 |
| Pretax return on assets | 0.3766% | 5,623 |
| Return on Equity (ROE) | 4.5302% | 4,905 |
| Retained earnings to average equity (ytd only) | -0.2552% | 5,725 |
| Net charge-offs to loans | 0.0996% | 2,687 |
| Credit loss provision to net charge-offs | -416.6667% | 5,526 |
| Earnings coverage of net charge-offs (x) | 3.7222% | 3,234 |
| Efficiency ratio | 94.5395% | 616 |
| Assets per employee ($millions) | 3.6878% | 4,471 |
| Cash dividends to net income (ytd only)* | 105.6338% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 2,841 |
| Loan loss allowance to noncurrent loans | 165.5488% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 3,254 |
| Noncurrent loans to loans | 0.9136% | 3,437 |
| Net loans and leases to total assets | 45.6555% | 5,399 |
| Net loans and leases to deposits | 49.8084% | 5,643 |
| Net loans and leases to core deposits | 50.0878% | 5,784 |
| Total domestic deposits to total assets | 91.6623% | 227 |
| Equity capital to assets | 8.2525% | 5,987 |
| Core capital (leverage) ratio | 8.4424% | 5,700 |
| Tier 1 risk-based capital ratio | 17.0933% | 2,581 |
| Total risk-based capital ratio | 18.3448% | 2,545 |
| Memoranda: | ||
| Average total assets | $75,403,670 | 5,264 |
| Average earning assets | $68,716,670 | 5,255 |
| Average equity | $6,269,000 | 5,665 |
| Average total loans | $36,156,000 | 5,414 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 5,304 |
| Cost of funding earning assets | 0.2488% | 5,591 |
| Net interest margin | 3.2993% | 4,538 |
| Noninterest income to average assets | 0.3173% | 4,835 |
| Noninterest expense to average assets | 3.0974% | 2,543 |
| Loan and lease loss provision to assets | -0.1344% | 6,518 |
| Net operating income to assets | 0.3495% | 5,314 |
| Return on assets (ROA) | 0.3495% | 5,373 |
| Pretax return on assets | 0.3495% | 5,597 |
| Return on Equity (ROE) | 4.1881% | 4,936 |
| Retained earnings to average equity (ytd only) | -5.4768% | 6,152 |
| Net charge-offs to loans | 0.2977% | 1,171 |
| Credit loss provision to net charge-offs | -92.5926% | 4,830 |
| Earnings coverage of net charge-offs (x) | 1.4815% | 3,091 |
| Efficiency ratio | 93.5065% | 780 |
| Assets per employee ($millions) | 4.1952% | 3,534 |
| Cash dividends to net income (ytd only)* | 230.7692% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6136% | 2,638 |
| Loan loss allowance to noncurrent loans | 175.9036% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.9442% | 3,366 |
| Noncurrent loans to loans | 0.9173% | 3,589 |
| Net loans and leases to total assets | 47.1561% | 5,218 |
| Net loans and leases to deposits | 51.3935% | 5,490 |
| Net loans and leases to core deposits | 51.8817% | 5,623 |
| Total domestic deposits to total assets | 91.7551% | 312 |
| Equity capital to assets | 8.1615% | 5,938 |
| Core capital (leverage) ratio | 8.3435% | 5,805 |
| Tier 1 risk-based capital ratio | 16.6506% | 2,834 |
| Total risk-based capital ratio | 17.9033% | 2,800 |
| Memoranda: | ||
| Average total assets | $74,384,000 | 5,329 |
| Average earning assets | $67,529,000 | 5,332 |
| Average equity | $6,208,000 | 5,705 |
| Average total loans | $36,284,000 | 5,452 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7026% | 5,132 |
| Cost of funding earning assets | 0.3017% | 5,584 |
| Net interest margin | 3.4010% | 4,268 |
| Noninterest income to average assets | 0.5591% | 3,341 |
| Noninterest expense to average assets | 3.1736% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4727% | 4,856 |
| Return on assets (ROA) | 0.4727% | 4,997 |
| Pretax return on assets | 0.4825% | 5,252 |
| Return on Equity (ROE) | 5.4722% | 4,410 |
| Retained earnings to average equity (ytd only) | 2.9540% | 4,143 |
| Net charge-offs to loans | 0.3190% | 2,088 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 2.8595% | 4,043 |
| Efficiency ratio | 86.8040% | 1,334 |
| Assets per employee ($millions) | 4.0697% | 3,712 |
| Cash dividends to net income (ytd only)* | 46.0177% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 2,240 |
| Loan loss allowance to noncurrent loans | 307.2464% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.8027% | 3,875 |
| Noncurrent loans to loans | 0.5691% | 4,567 |
| Net loans and leases to total assets | 48.7871% | 5,214 |
| Net loans and leases to deposits | 53.3776% | 5,519 |
| Net loans and leases to core deposits | 53.9034% | 5,681 |
| Total domestic deposits to total assets | 91.3999% | 437 |
| Equity capital to assets | 8.5359% | 5,546 |
| Core capital (leverage) ratio | 8.6557% | 5,470 |
| Tier 1 risk-based capital ratio | 17.0669% | 2,577 |
| Total risk-based capital ratio | 18.3230% | 2,549 |
| Memoranda: | ||
| Average total assets | $71,716,400 | 5,426 |
| Average earning assets | $65,305,000 | 5,427 |
| Average equity | $6,195,000 | 5,766 |
| Average total loans | $37,935,200 | 5,426 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7307% | 5,084 |
| Cost of funding earning assets | 0.3100% | 5,645 |
| Net interest margin | 3.4207% | 4,204 |
| Noninterest income to average assets | 0.6579% | 2,839 |
| Noninterest expense to average assets | 3.2112% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5607% | 4,525 |
| Return on assets (ROA) | 0.5607% | 4,677 |
| Pretax return on assets | 0.5607% | 5,165 |
| Return on Equity (ROE) | 6.4718% | 3,945 |
| Retained earnings to average equity (ytd only) | 3.1065% | 4,461 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1338% | 1,454 |
| Assets per employee ($millions) | 3.7494% | 4,351 |
| Cash dividends to net income (ytd only)* | 51.9988% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0499% | 1,612 |
| Loan loss allowance to noncurrent loans | 85.6335% | 3,884 |
| Noncurrent assets plus other real estate owned to assets | 1.1789% | 3,299 |
| Noncurrent loans to loans | 2.3938% | 1,833 |
| Net loans and leases to total assets | 48.2371% | 5,325 |
| Net loans and leases to deposits | 52.6376% | 5,663 |
| Net loans and leases to core deposits | 53.1394% | 5,820 |
| Total domestic deposits to total assets | 91.6400% | 331 |
| Equity capital to assets | 8.2640% | 5,942 |
| Core capital (leverage) ratio | 8.4817% | 5,785 |
| Tier 1 risk-based capital ratio | 16.7848% | 2,818 |
| Total risk-based capital ratio | 18.0442% | 2,762 |
| Memoranda: | ||
| Average total assets | $71,331,750 | 5,493 |
| Average earning assets | $64,937,250 | 5,491 |
| Average equity | $6,180,500 | 5,844 |
| Average total loans | $38,325,250 | 5,469 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8535% | 4,644 |
| Cost of funding earning assets | 0.3193% | 5,666 |
| Net interest margin | 3.5342% | 3,637 |
| Noninterest income to average assets | 0.4307% | 4,301 |
| Noninterest expense to average assets | 3.2462% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4051% | 5,196 |
| Return on assets (ROA) | 0.4051% | 5,366 |
| Pretax return on assets | 0.4051% | 5,629 |
| Return on Equity (ROE) | 4.5992% | 4,953 |
| Retained earnings to average equity (ytd only) | -0.4534% | 5,953 |
| Net charge-offs to loans | 0.0052% | 4,799 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 348 |
| Efficiency ratio | 88.9063% | 1,138 |
| Assets per employee ($millions) | 3.4627% | 4,934 |
| Cash dividends to net income (ytd only)* | 109.8592% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0051% | 1,835 |
| Loan loss allowance to noncurrent loans | 84.4693% | 3,891 |
| Noncurrent assets plus other real estate owned to assets | 1.2308% | 3,288 |
| Noncurrent loans to loans | 2.3738% | 1,990 |
| Net loans and leases to total assets | 50.8114% | 5,017 |
| Net loans and leases to deposits | 55.4941% | 5,391 |
| Net loans and leases to core deposits | 56.0379% | 5,593 |
| Total domestic deposits to total assets | 91.5617% | 356 |
| Equity capital to assets | 8.3379% | 5,934 |
| Core capital (leverage) ratio | 8.7429% | 5,363 |
| Tier 1 risk-based capital ratio | 15.9541% | 3,218 |
| Total risk-based capital ratio | 17.2132% | 3,154 |
| Memoranda: | ||
| Average total assets | $70,113,000 | 5,565 |
| Average earning assets | $63,890,670 | 5,566 |
| Average equity | $6,175,000 | 5,885 |
| Average total loans | $38,790,670 | 5,479 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0202% | 4,035 |
| Cost of funding earning assets | 0.3270% | 5,747 |
| Net interest margin | 3.6932% | 2,879 |
| Noninterest income to average assets | 0.4534% | 4,098 |
| Noninterest expense to average assets | 3.3425% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4592% | 4,872 |
| Return on assets (ROA) | 0.4592% | 5,038 |
| Pretax return on assets | 0.4592% | 5,390 |
| Return on Equity (ROE) | 5.0714% | 4,533 |
| Retained earnings to average equity (ytd only) | -4.9430% | 6,362 |
| Net charge-offs to loans | 0.0102% | 3,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 79.0000% | 472 |
| Efficiency ratio | 87.9205% | 1,336 |
| Assets per employee ($millions) | 3.2951% | 5,444 |
| Cash dividends to net income (ytd only)* | 197.4684% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 2,328 |
| Loan loss allowance to noncurrent loans | 83.0769% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.3151% | 3,329 |
| Noncurrent loans to loans | 2.2756% | 2,302 |
| Net loans and leases to total assets | 56.6990% | 3,977 |
| Net loans and leases to deposits | 62.3455% | 4,493 |
| Net loans and leases to core deposits | 62.9911% | 4,845 |
| Total domestic deposits to total assets | 90.9432% | 547 |
| Equity capital to assets | 8.9585% | 5,543 |
| Core capital (leverage) ratio | 8.9322% | 4,999 |
| Tier 1 risk-based capital ratio | 15.3692% | 3,612 |
| Total risk-based capital ratio | 16.6278% | 3,558 |
| Memoranda: | ||
| Average total assets | $68,811,500 | 5,666 |
| Average earning assets | $62,385,500 | 5,666 |
| Average equity | $6,231,000 | 5,928 |
| Average total loans | $39,334,000 | 5,494 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2487% | 4,400 |
| Cost of funding earning assets | 0.4029% | 5,897 |
| Net interest margin | 3.8459% | 3,038 |
| Noninterest income to average assets | 0.5902% | 3,332 |
| Noninterest expense to average assets | 3.5972% | 1,618 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4618% | 4,831 |
| Return on assets (ROA) | 0.4618% | 5,082 |
| Pretax return on assets | 0.4722% | 5,364 |
| Return on Equity (ROE) | 5.1333% | 4,615 |
| Retained earnings to average equity (ytd only) | 5.1333% | 2,615 |
| Net charge-offs to loans | -0.0026% | 6,343 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3974% | 1,209 |
| Assets per employee ($millions) | 3.2584% | 5,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9572% | 2,136 |
| Loan loss allowance to noncurrent loans | 81.6613% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 3,331 |
| Noncurrent loans to loans | 2.3967% | 2,229 |
| Net loans and leases to total assets | 55.4190% | 4,391 |
| Net loans and leases to deposits | 61.0654% | 4,906 |
| Net loans and leases to core deposits | 61.4533% | 5,211 |
| Total domestic deposits to total assets | 90.7535% | 594 |
| Equity capital to assets | 9.1530% | 5,334 |
| Core capital (leverage) ratio | 8.9482% | 4,973 |
| Tier 1 risk-based capital ratio | 15.9191% | 3,204 |
| Total risk-based capital ratio | 17.1858% | 3,156 |
| Memoranda: | ||
| Average total assets | $67,774,000 | 5,683 |
| Average earning assets | $61,312,800 | 5,694 |
| Average equity | $6,097,400 | 5,997 |
| Average total loans | $38,364,200 | 5,575 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2779% | 4,539 |
| Cost of funding earning assets | 0.4136% | 6,036 |
| Net interest margin | 3.8642% | 3,056 |
| Noninterest income to average assets | 0.6981% | 2,724 |
| Noninterest expense to average assets | 3.6482% | 1,461 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5443% | 4,646 |
| Return on assets (ROA) | 0.5443% | 4,908 |
| Pretax return on assets | 0.5502% | 5,300 |
| Return on Equity (ROE) | 6.0765% | 4,296 |
| Retained earnings to average equity (ytd only) | 6.0765% | 2,652 |
| Net charge-offs to loans | -0.0174% | 6,472 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8953% | 1,314 |
| Assets per employee ($millions) | 3.1601% | 5,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0045% | 2,158 |
| Loan loss allowance to noncurrent loans | 164.3629% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7218% | 4,885 |
| Noncurrent loans to loans | 1.2195% | 4,015 |
| Net loans and leases to total assets | 56.0622% | 4,441 |
| Net loans and leases to deposits | 62.0553% | 4,964 |
| Net loans and leases to core deposits | 62.4658% | 5,312 |
| Total domestic deposits to total assets | 90.3424% | 655 |
| Equity capital to assets | 9.5687% | 5,110 |
| Core capital (leverage) ratio | 9.0774% | 4,953 |
| Tier 1 risk-based capital ratio | 15.9112% | 3,315 |
| Total risk-based capital ratio | 17.1690% | 3,279 |
| Memoranda: | ||
| Average total assets | $67,611,000 | 5,756 |
| Average earning assets | $61,244,000 | 5,757 |
| Average equity | $6,056,000 | 6,075 |
| Average total loans | $38,285,750 | 5,642 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2559% | 4,733 |
| Cost of funding earning assets | 0.4217% | 6,155 |
| Net interest margin | 3.8342% | 3,203 |
| Noninterest income to average assets | 0.3822% | 4,779 |
| Noninterest expense to average assets | 3.6779% | 1,418 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1735% | 5,994 |
| Return on assets (ROA) | 0.1735% | 6,167 |
| Pretax return on assets | 0.1793% | 6,177 |
| Return on Equity (ROE) | 1.9805% | 6,042 |
| Retained earnings to average equity (ytd only) | 1.9805% | 5,203 |
| Net charge-offs to loans | -0.0052% | 6,168 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3506% | 732 |
| Assets per employee ($millions) | 3.2803% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0013% | 2,224 |
| Loan loss allowance to noncurrent loans | 184.6341% | 1,840 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 5,228 |
| Noncurrent loans to loans | 1.0839% | 4,356 |
| Net loans and leases to total assets | 53.8121% | 4,839 |
| Net loans and leases to deposits | 58.9904% | 5,344 |
| Net loans and leases to core deposits | 59.3598% | 5,661 |
| Total domestic deposits to total assets | 91.2217% | 379 |
| Equity capital to assets | 8.6883% | 6,039 |
| Core capital (leverage) ratio | 8.7187% | 5,347 |
| Tier 1 risk-based capital ratio | 15.0057% | 3,767 |
| Total risk-based capital ratio | 16.2639% | 3,716 |
| Memoranda: | ||
| Average total assets | $68,027,330 | 5,782 |
| Average earning assets | $61,656,000 | 5,780 |
| Average equity | $5,958,000 | 6,129 |
| Average total loans | $38,392,670 | 5,672 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3155% | 4,680 |
| Cost of funding earning assets | 0.4316% | 6,246 |
| Net interest margin | 3.8840% | 2,989 |
| Noninterest income to average assets | 0.4616% | 4,212 |
| Noninterest expense to average assets | 3.7575% | 1,283 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2189% | 5,928 |
| Return on assets (ROA) | 0.2189% | 6,070 |
| Pretax return on assets | 0.2189% | 6,159 |
| Return on Equity (ROE) | 2.4897% | 5,912 |
| Retained earnings to average equity (ytd only) | 2.4897% | 5,016 |
| Net charge-offs to loans | 0.0103% | 4,577 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 793 |
| Efficiency ratio | 94.4940% | 795 |
| Assets per employee ($millions) | 3.2292% | 5,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0138% | 2,316 |
| Loan loss allowance to noncurrent loans | 218.8406% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 1.0691% | 4,356 |
| Noncurrent loans to loans | 0.9202% | 4,826 |
| Net loans and leases to total assets | 54.1732% | 4,691 |
| Net loans and leases to deposits | 59.4767% | 5,216 |
| Net loans and leases to core deposits | 59.8547% | 5,544 |
| Total domestic deposits to total assets | 91.0830% | 516 |
| Equity capital to assets | 8.8271% | 5,717 |
| Core capital (leverage) ratio | 8.6953% | 5,299 |
| Tier 1 risk-based capital ratio | 15.2489% | 3,589 |
| Total risk-based capital ratio | 16.5087% | 3,547 |
| Memoranda: | ||
| Average total assets | $67,598,000 | 5,841 |
| Average earning assets | $61,174,500 | 5,836 |
| Average equity | $5,944,500 | 6,161 |
| Average total loans | $38,676,000 | 5,700 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 5,327 |
| Cost of funding earning assets | 0.4891% | 6,580 |
| Net interest margin | 3.9361% | 3,175 |
| Noninterest income to average assets | 0.7392% | 2,391 |
| Noninterest expense to average assets | 3.9478% | 1,117 |
| Loan and lease loss provision to assets | 0.3478% | 2,917 |
| Net operating income to assets | 0.0030% | 6,032 |
| Return on assets (ROA) | 0.0030% | 6,158 |
| Pretax return on assets | 0.0150% | 6,100 |
| Return on Equity (ROE) | 0.0346% | 6,156 |
| Retained earnings to average equity (ytd only) | 0.0346% | 5,822 |
| Net charge-offs to loans | 0.1385% | 5,038 |
| Credit loss provision to net charge-offs | 407.0175% | 566 |
| Earnings coverage of net charge-offs (x) | 4.2456% | 3,205 |
| Efficiency ratio | 91.5826% | 1,070 |
| Assets per employee ($millions) | 3.2087% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8966% | 2,576 |
| Loan loss allowance to noncurrent loans | 229.7872% | 1,448 |
| Noncurrent assets plus other real estate owned to assets | 1.0581% | 4,500 |
| Noncurrent loans to loans | 0.8254% | 5,035 |
| Net loans and leases to total assets | 58.0333% | 4,362 |
| Net loans and leases to deposits | 64.0797% | 4,997 |
| Net loans and leases to core deposits | 64.4887% | 5,418 |
| Total domestic deposits to total assets | 90.5642% | 685 |
| Equity capital to assets | 8.7605% | 5,837 |
| Core capital (leverage) ratio | 8.5782% | 5,431 |
| Tier 1 risk-based capital ratio | 14.5093% | 3,968 |
| Total risk-based capital ratio | 15.7681% | 3,936 |
| Memoranda: | ||
| Average total assets | $66,695,800 | 5,851 |
| Average earning assets | $60,516,200 | 5,851 |
| Average equity | $5,778,000 | 6,212 |
| Average total loans | $41,147,600 | 5,635 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 5,300 |
| Cost of funding earning assets | 0.4952% | 6,716 |
| Net interest margin | 3.9882% | 2,961 |
| Noninterest income to average assets | 0.8638% | 1,782 |
| Noninterest expense to average assets | 3.9303% | 1,103 |
| Loan and lease loss provision to assets | 0.4650% | 2,126 |
| Net operating income to assets | 0.0822% | 6,002 |
| Return on assets (ROA) | 0.0822% | 6,121 |
| Pretax return on assets | 0.0842% | 6,125 |
| Return on Equity (ROE) | 0.9513% | 6,075 |
| Retained earnings to average equity (ytd only) | 0.9513% | 5,625 |
| Net charge-offs to loans | 0.1897% | 4,277 |
| Credit loss provision to net charge-offs | 393.2203% | 720 |
| Earnings coverage of net charge-offs (x) | 4.6443% | 2,998 |
| Efficiency ratio | 87.7405% | 1,368 |
| Assets per employee ($millions) | 3.0691% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8748% | 2,704 |
| Loan loss allowance to noncurrent loans | 244.8052% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 1.2322% | 4,334 |
| Noncurrent loans to loans | 0.7658% | 5,338 |
| Net loans and leases to total assets | 58.4455% | 4,426 |
| Net loans and leases to deposits | 64.5717% | 5,100 |
| Net loans and leases to core deposits | 64.9843% | 5,525 |
| Total domestic deposits to total assets | 90.5126% | 633 |
| Equity capital to assets | 8.8224% | 5,954 |
| Core capital (leverage) ratio | 8.7859% | 5,287 |
| Tier 1 risk-based capital ratio | 14.7972% | 3,777 |
| Total risk-based capital ratio | 16.0547% | 3,747 |
| Memoranda: | ||
| Average total assets | $66,524,250 | 5,896 |
| Average earning assets | $60,309,000 | 5,898 |
| Average equity | $5,746,750 | 6,262 |
| Average total loans | $41,469,500 | 5,665 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 5,355 |
| Cost of funding earning assets | 0.5100% | 6,815 |
| Net interest margin | 3.9901% | 2,886 |
| Noninterest income to average assets | 0.5439% | 3,523 |
| Noninterest expense to average assets | 4.1062% | 909 |
| Loan and lease loss provision to assets | 0.7010% | 1,351 |
| Net operating income to assets | -0.6496% | 6,790 |
| Return on assets (ROA) | -0.6496% | 6,795 |
| Pretax return on assets | -0.6466% | 6,735 |
| Return on Equity (ROE) | -7.5749% | 6,848 |
| Retained earnings to average equity (ytd only) | -7.5749% | 6,749 |
| Net charge-offs to loans | 0.2340% | 3,720 |
| Credit loss provision to net charge-offs | 473.4694% | 651 |
| Earnings coverage of net charge-offs (x) | 0.3673% | 5,030 |
| Efficiency ratio | 98.6928% | 767 |
| Assets per employee ($millions) | 2.9488% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 2,676 |
| Loan loss allowance to noncurrent loans | 232.2188% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 2.0524% | 3,166 |
| Noncurrent loans to loans | 0.8173% | 5,294 |
| Net loans and leases to total assets | 58.2289% | 4,586 |
| Net loans and leases to deposits | 63.9951% | 5,273 |
| Net loans and leases to core deposits | 64.3979% | 5,685 |
| Total domestic deposits to total assets | 90.9896% | 505 |
| Equity capital to assets | 8.3336% | 6,381 |
| Core capital (leverage) ratio | 8.4159% | 5,684 |
| Tier 1 risk-based capital ratio | 13.5955% | 4,454 |
| Total risk-based capital ratio | 14.8568% | 4,430 |
| Memoranda: | ||
| Average total assets | $66,192,000 | 5,953 |
| Average earning assets | $59,998,330 | 5,959 |
| Average equity | $5,676,670 | 6,324 |
| Average total loans | $41,887,000 | 5,706 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5466% | 5,184 |
| Cost of funding earning assets | 0.5246% | 6,883 |
| Net interest margin | 4.0220% | 2,598 |
| Noninterest income to average assets | 0.5262% | 3,679 |
| Noninterest expense to average assets | 4.1972% | 820 |
| Loan and lease loss provision to assets | 1.4195% | 462 |
| Net operating income to assets | -1.4317% | 7,175 |
| Return on assets (ROA) | -1.4317% | 7,179 |
| Pretax return on assets | -1.4317% | 7,136 |
| Return on Equity (ROE) | -16.4528% | 7,172 |
| Retained earnings to average equity (ytd only) | -16.4528% | 7,077 |
| Net charge-offs to loans | 0.1499% | 3,590 |
| Credit loss provision to net charge-offs | 1,450.0000% | 278 |
| Earnings coverage of net charge-offs (x) | -0.1250% | 4,654 |
| Efficiency ratio | 100.2924% | 732 |
| Assets per employee ($millions) | 2.9001% | 6,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8598% | 2,827 |
| Loan loss allowance to noncurrent loans | 129.1734% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 1.5277% | 3,954 |
| Noncurrent loans to loans | 1.4398% | 4,313 |
| Net loans and leases to total assets | 63.0521% | 3,641 |
| Net loans and leases to deposits | 69.3141% | 4,464 |
| Net loans and leases to core deposits | 69.7590% | 5,072 |
| Total domestic deposits to total assets | 90.9658% | 644 |
| Equity capital to assets | 8.3446% | 6,112 |
| Core capital (leverage) ratio | 8.4992% | 5,454 |
| Tier 1 risk-based capital ratio | 13.2257% | 4,641 |
| Total risk-based capital ratio | 14.4829% | 4,614 |
| Memoranda: | ||
| Average total assets | $65,377,000 | 6,015 |
| Average earning assets | $59,472,500 | 6,012 |
| Average equity | $5,689,000 | 6,339 |
| Average total loans | $42,702,500 | 5,716 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2876% | 6,810 |
| Cost of funding earning assets | 0.6002% | 7,130 |
| Net interest margin | 3.6873% | 4,407 |
| Noninterest income to average assets | 0.5631% | 3,718 |
| Noninterest expense to average assets | 3.7545% | 1,581 |
| Loan and lease loss provision to assets | 0.1926% | 5,305 |
| Net operating income to assets | -0.0319% | 5,897 |
| Return on assets (ROA) | -0.0146% | 5,978 |
| Pretax return on assets | -0.0053% | 5,905 |
| Return on Equity (ROE) | -0.1877% | 5,983 |
| Retained earnings to average equity (ytd only) | -0.1877% | 5,642 |
| Net charge-offs to loans | 0.0791% | 6,029 |
| Credit loss provision to net charge-offs | 426.4706% | 553 |
| Earnings coverage of net charge-offs (x) | 3.7647% | 3,199 |
| Efficiency ratio | 95.6684% | 981 |
| Assets per employee ($millions) | 2.7849% | 6,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 4,672 |
| Loan loss allowance to noncurrent loans | 286.2069% | 1,068 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 5,646 |
| Noncurrent loans to loans | 0.4771% | 6,085 |
| Net loans and leases to total assets | 65.5249% | 3,560 |
| Net loans and leases to deposits | 72.6401% | 4,407 |
| Net loans and leases to core deposits | 73.4512% | 5,049 |
| Total domestic deposits to total assets | 90.2048% | 987 |
| Equity capital to assets | 9.0739% | 5,033 |
| Core capital (leverage) ratio | 8.4716% | 5,417 |
| Tier 1 risk-based capital ratio | 13.8972% | 3,930 |
| Total risk-based capital ratio | 15.1484% | 3,907 |
| Memoranda: | ||
| Average total assets | $75,297,000 | 5,734 |
| Average earning assets | $68,640,400 | 5,715 |
| Average equity | $5,861,800 | 6,408 |
| Average total loans | $42,977,400 | 5,789 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 7,111 |
| Cost of funding earning assets | 0.6138% | 7,262 |
| Net interest margin | 3.5724% | 5,004 |
| Noninterest income to average assets | 0.6640% | 3,045 |
| Noninterest expense to average assets | 3.6769% | 1,621 |
| Loan and lease loss provision to assets | 0.2475% | 4,613 |
| Net operating income to assets | -0.0089% | 6,016 |
| Return on assets (ROA) | -0.0034% | 6,135 |
| Pretax return on assets | 0.0068% | 6,076 |
| Return on Equity (ROE) | -0.0455% | 6,140 |
| Retained earnings to average equity (ytd only) | -0.0455% | 5,798 |
| Net charge-offs to loans | 0.0990% | 5,538 |
| Credit loss provision to net charge-offs | 453.1250% | 662 |
| Earnings coverage of net charge-offs (x) | 4.4996% | 3,026 |
| Efficiency ratio | 93.7337% | 1,017 |
| Assets per employee ($millions) | 3.0870% | 5,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 4,690 |
| Loan loss allowance to noncurrent loans | 1,214.5833% | 302 |
| Noncurrent assets plus other real estate owned to assets | 1.2620% | 4,626 |
| Noncurrent loans to loans | 0.1117% | 6,962 |
| Net loans and leases to total assets | 59.7085% | 4,962 |
| Net loans and leases to deposits | 65.5741% | 5,712 |
| Net loans and leases to core deposits | 67.2851% | 6,011 |
| Total domestic deposits to total assets | 91.0549% | 432 |
| Equity capital to assets | 8.3155% | 6,488 |
| Core capital (leverage) ratio | 7.1178% | 7,100 |
| Tier 1 risk-based capital ratio | 13.5026% | 4,206 |
| Total risk-based capital ratio | 14.7537% | 4,158 |
| Memoranda: | ||
| Average total assets | $78,108,250 | 5,711 |
| Average earning assets | $71,247,750 | 5,691 |
| Average equity | $5,874,250 | 6,492 |
| Average total loans | $43,084,000 | 5,869 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0335% | 7,333 |
| Cost of funding earning assets | 0.6433% | 7,313 |
| Net interest margin | 3.3902% | 5,675 |
| Noninterest income to average assets | 0.4076% | 4,848 |
| Noninterest expense to average assets | 3.6805% | 1,593 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.1839% | 6,337 |
| Return on assets (ROA) | -0.1839% | 6,390 |
| Pretax return on assets | -0.1690% | 6,308 |
| Return on Equity (ROE) | -2.5237% | 6,469 |
| Retained earnings to average equity (ytd only) | -2.5237% | 6,232 |
| Net charge-offs to loans | 0.1577% | 4,680 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -2.0000% | 6,207 |
| Efficiency ratio | 104.8125% | 659 |
| Assets per employee ($millions) | 3.4390% | 5,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 6,372 |
| Loan loss allowance to noncurrent loans | 67.7019% | 3,952 |
| Noncurrent assets plus other real estate owned to assets | 1.0517% | 5,037 |
| Noncurrent loans to loans | 1.4864% | 4,475 |
| Net loans and leases to total assets | 51.9658% | 6,214 |
| Net loans and leases to deposits | 56.2271% | 6,709 |
| Net loans and leases to core deposits | 57.6952% | 6,851 |
| Total domestic deposits to total assets | 92.4214% | 162 |
| Equity capital to assets | 7.0576% | 7,325 |
| Core capital (leverage) ratio | 7.0123% | 7,188 |
| Tier 1 risk-based capital ratio | 13.2134% | 4,278 |
| Total risk-based capital ratio | 14.2142% | 4,436 |
| Memoranda: | ||
| Average total assets | $80,477,670 | 5,685 |
| Average earning assets | $73,683,670 | 5,652 |
| Average equity | $5,864,330 | 6,506 |
| Average total loans | $43,120,000 | 5,899 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 7,293 |
| Cost of funding earning assets | 0.6839% | 7,368 |
| Net interest margin | 3.4911% | 5,198 |
| Noninterest income to average assets | 0.4078% | 4,847 |
| Noninterest expense to average assets | 3.5142% | 1,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0806% | 6,076 |
| Return on assets (ROA) | 0.0806% | 6,186 |
| Pretax return on assets | 0.0806% | 6,188 |
| Return on Equity (ROE) | 1.0877% | 6,096 |
| Retained earnings to average equity (ytd only) | 1.0877% | 5,382 |
| Net charge-offs to loans | 0.0651% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.2857% | 3,395 |
| Efficiency ratio | 97.7591% | 935 |
| Assets per employee ($millions) | 3.3890% | 5,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0951% | 6,027 |
| Loan loss allowance to noncurrent loans | 87.5236% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 1.8147% | 3,764 |
| Noncurrent loans to loans | 1.2512% | 4,889 |
| Net loans and leases to total assets | 51.4127% | 6,333 |
| Net loans and leases to deposits | 55.7307% | 6,796 |
| Net loans and leases to core deposits | 56.4408% | 6,968 |
| Total domestic deposits to total assets | 92.2519% | 200 |
| Equity capital to assets | 7.2256% | 7,267 |
| Core capital (leverage) ratio | 7.3624% | 6,975 |
| Tier 1 risk-based capital ratio | 13.5072% | 3,979 |
| Total risk-based capital ratio | 14.5768% | 4,058 |
| Memoranda: | ||
| Average total assets | $79,449,000 | 5,784 |
| Average earning assets | $72,527,500 | 5,763 |
| Average equity | $5,884,000 | 6,563 |
| Average total loans | $43,017,000 | 5,982 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 6,679 |
| Cost of funding earning assets | 0.7578% | 7,614 |
| Net interest margin | 4.1554% | 2,229 |
| Noninterest income to average assets | 0.6922% | 3,028 |
| Noninterest expense to average assets | 3.8111% | 1,680 |
| Loan and lease loss provision to assets | 0.4491% | 4,132 |
| Net operating income to assets | 0.2180% | 4,841 |
| Return on assets (ROA) | 0.2180% | 4,901 |
| Pretax return on assets | 0.2351% | 4,925 |
| Return on Equity (ROE) | 2.6141% | 4,655 |
| Retained earnings to average equity (ytd only) | -9.3948% | 6,467 |
| Net charge-offs to loans | 0.3751% | 4,336 |
| Credit loss provision to net charge-offs | 202.3810% | 1,917 |
| Earnings coverage of net charge-offs (x) | 3.0833% | 3,525 |
| Efficiency ratio | 84.7781% | 2,261 |
| Assets per employee ($millions) | 3.1025% | 5,985 |
| Cash dividends to net income (ytd only)* | 459.3939% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0742% | 6,018 |
| Loan loss allowance to noncurrent loans | 431.1927% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.9090% | 5,275 |
| Noncurrent loans to loans | 0.2491% | 6,798 |
| Net loans and leases to total assets | 55.8057% | 5,978 |
| Net loans and leases to deposits | 60.7537% | 6,580 |
| Net loans and leases to core deposits | 63.0429% | 7,147 |
| Total domestic deposits to total assets | 91.8555% | 291 |
| Equity capital to assets | 7.5952% | 6,952 |
| Core capital (leverage) ratio | 7.5695% | 6,720 |
| Tier 1 risk-based capital ratio | 13.1475% | 4,048 |
| Total risk-based capital ratio | 14.2074% | 4,122 |
| Memoranda: | ||
| Average total assets | $75,700,800 | 5,848 |
| Average earning assets | $69,284,000 | 5,830 |
| Average equity | $6,312,000 | 6,496 |
| Average total loans | $44,790,000 | 5,883 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0340% | 6,502 |
| Cost of funding earning assets | 0.7678% | 7,738 |
| Net interest margin | 4.2662% | 1,820 |
| Noninterest income to average assets | 0.7479% | 2,724 |
| Noninterest expense to average assets | 3.5727% | 2,085 |
| Loan and lease loss provision to assets | 0.6025% | 2,983 |
| Net operating income to assets | 0.4643% | 4,146 |
| Return on assets (ROA) | 0.4643% | 4,244 |
| Pretax return on assets | 0.4820% | 4,572 |
| Return on Equity (ROE) | 5.4435% | 3,764 |
| Retained earnings to average equity (ytd only) | -5.8383% | 6,369 |
| Net charge-offs to loans | 0.4972% | 3,233 |
| Credit loss provision to net charge-offs | 202.3810% | 2,204 |
| Earnings coverage of net charge-offs (x) | 3.6429% | 3,441 |
| Efficiency ratio | 76.7123% | 3,378 |
| Assets per employee ($millions) | 2.9894% | 6,188 |
| Cash dividends to net income (ytd only)* | 207.2541% | 174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 5,847 |
| Loan loss allowance to noncurrent loans | 111.1111% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 1.2912% | 4,495 |
| Noncurrent loans to loans | 0.9710% | 5,357 |
| Net loans and leases to total assets | 57.6618% | 5,936 |
| Net loans and leases to deposits | 63.3208% | 6,556 |
| Net loans and leases to core deposits | 65.8320% | 7,167 |
| Total domestic deposits to total assets | 91.0630% | 393 |
| Equity capital to assets | 8.3911% | 6,396 |
| Core capital (leverage) ratio | 7.9800% | 6,394 |
| Tier 1 risk-based capital ratio | 14.0524% | 3,518 |
| Total risk-based capital ratio | 15.1274% | 3,560 |
| Memoranda: | ||
| Average total assets | $75,235,500 | 5,902 |
| Average earning assets | $68,942,750 | 5,885 |
| Average equity | $6,417,250 | 6,516 |
| Average total loans | $45,049,000 | 5,927 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1142% | 6,375 |
| Cost of funding earning assets | 0.7815% | 7,843 |
| Net interest margin | 4.3327% | 1,568 |
| Noninterest income to average assets | 0.4615% | 4,767 |
| Noninterest expense to average assets | 3.6603% | 1,919 |
| Loan and lease loss provision to assets | 0.9018% | 1,873 |
| Net operating income to assets | -0.1565% | 6,114 |
| Return on assets (ROA) | -0.1565% | 6,141 |
| Pretax return on assets | -0.1300% | 6,036 |
| Return on Equity (ROE) | -1.8249% | 6,197 |
| Retained earnings to average equity (ytd only) | -18.6205% | 7,410 |
| Net charge-offs to loans | 0.7904% | 2,097 |
| Credit loss provision to net charge-offs | 188.8889% | 2,414 |
| Earnings coverage of net charge-offs (x) | 1.6167% | 4,330 |
| Efficiency ratio | 82.5853% | 2,654 |
| Assets per employee ($millions) | 2.9879% | 6,165 |
| Cash dividends to net income (ytd only)* | -920.3390% | 8,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0325% | 6,002 |
| Loan loss allowance to noncurrent loans | 73.0463% | 3,800 |
| Noncurrent assets plus other real estate owned to assets | 0.8071% | 5,377 |
| Noncurrent loans to loans | 1.4135% | 4,387 |
| Net loans and leases to total assets | 56.5108% | 6,153 |
| Net loans and leases to deposits | 61.6146% | 6,764 |
| Net loans and leases to core deposits | 64.1284% | 7,297 |
| Total domestic deposits to total assets | 91.7167% | 266 |
| Equity capital to assets | 7.7260% | 7,044 |
| Core capital (leverage) ratio | 7.6571% | 6,815 |
| Tier 1 risk-based capital ratio | 13.0553% | 4,101 |
| Total risk-based capital ratio | 14.0823% | 4,181 |
| Memoranda: | ||
| Average total assets | $75,402,670 | 5,936 |
| Average earning assets | $69,102,000 | 5,918 |
| Average equity | $6,466,000 | 6,543 |
| Average total loans | $45,544,330 | 5,958 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2319% | 6,178 |
| Cost of funding earning assets | 0.8125% | 7,895 |
| Net interest margin | 4.4193% | 1,303 |
| Noninterest income to average assets | 0.4417% | 4,859 |
| Noninterest expense to average assets | 3.4419% | 2,254 |
| Loan and lease loss provision to assets | 0.1831% | 4,608 |
| Net operating income to assets | 0.8888% | 2,742 |
| Return on assets (ROA) | 0.8888% | 2,893 |
| Pretax return on assets | 0.8888% | 3,755 |
| Return on Equity (ROE) | 9.8537% | 2,377 |
| Retained earnings to average equity (ytd only) | -0.3583% | 5,733 |
| Net charge-offs to loans | 0.0433% | 4,870 |
| Credit loss provision to net charge-offs | 680.0000% | 860 |
| Earnings coverage of net charge-offs (x) | 39.8000% | 854 |
| Efficiency ratio | 76.2530% | 3,446 |
| Assets per employee ($millions) | 2.9294% | 6,346 |
| Cash dividends to net income (ytd only)* | 103.6364% | 723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7078% | 7,421 |
| Loan loss allowance to noncurrent loans | 59.6715% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 0.7195% | 5,362 |
| Noncurrent loans to loans | 1.1861% | 4,601 |
| Net loans and leases to total assets | 60.2298% | 5,618 |
| Net loans and leases to deposits | 66.3552% | 6,345 |
| Net loans and leases to core deposits | 68.7838% | 7,094 |
| Total domestic deposits to total assets | 90.7687% | 490 |
| Equity capital to assets | 8.7219% | 5,735 |
| Core capital (leverage) ratio | 8.4874% | 5,566 |
| Tier 1 risk-based capital ratio | 13.9122% | 3,640 |
| Total risk-based capital ratio | 14.6211% | 3,857 |
| Memoranda: | ||
| Average total assets | $74,261,000 | 5,996 |
| Average earning assets | $68,427,000 | 5,967 |
| Average equity | $6,698,000 | 6,520 |
| Average total loans | $46,137,000 | 5,955 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2476% | 4,257 |
| Cost of funding earning assets | 1.3170% | 7,830 |
| Net interest margin | 4.9306% | 596 |
| Noninterest income to average assets | 0.6827% | 3,230 |
| Noninterest expense to average assets | 3.8121% | 1,732 |
| Loan and lease loss provision to assets | 0.1341% | 5,643 |
| Net operating income to assets | 1.1405% | 1,981 |
| Return on assets (ROA) | 1.3293% | 1,359 |
| Pretax return on assets | 1.4513% | 1,820 |
| Return on Equity (ROE) | 14.6593% | 984 |
| Retained earnings to average equity (ytd only) | -3.6537% | 6,255 |
| Net charge-offs to loans | 0.0623% | 5,883 |
| Credit loss provision to net charge-offs | 344.8276% | 1,313 |
| Earnings coverage of net charge-offs (x) | 35.4828% | 1,026 |
| Efficiency ratio | 73.4177% | 3,676 |
| Assets per employee ($millions) | 2.7830% | 6,600 |
| Cash dividends to net income (ytd only)* | 124.9243% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6468% | 7,557 |
| Loan loss allowance to noncurrent loans | 70.1176% | 4,545 |
| Noncurrent assets plus other real estate owned to assets | 0.5874% | 5,425 |
| Noncurrent loans to loans | 0.9224% | 4,779 |
| Net loans and leases to total assets | 63.2627% | 5,410 |
| Net loans and leases to deposits | 70.2092% | 6,250 |
| Net loans and leases to core deposits | 72.9494% | 7,024 |
| Total domestic deposits to total assets | 90.1060% | 606 |
| Equity capital to assets | 9.3329% | 4,895 |
| Core capital (leverage) ratio | 8.2148% | 6,138 |
| Tier 1 risk-based capital ratio | 14.0741% | 3,514 |
| Total risk-based capital ratio | 14.7270% | 3,735 |
| Memoranda: | ||
| Average total assets | $74,551,600 | 5,894 |
| Average earning assets | $68,186,200 | 5,889 |
| Average equity | $6,760,200 | 6,548 |
| Average total loans | $46,547,000 | 5,849 |