Home > The State Bank of Bern > Performance and Condition Ratios
The State Bank of Bern, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5737% | 2,962 |
| Cost of funding earning assets | 1.1463% | 2,947 |
| Net interest margin | 3.4274% | 2,346 |
| Noninterest income to average assets | 0.0800% | 4,348 |
| Noninterest expense to average assets | 1.7170% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3831% | 1,246 |
| Return on assets (ROA) | 1.1216% | 1,829 |
| Pretax return on assets | 1.3346% | 1,781 |
| Return on Equity (ROE) | 7.6700% | 3,107 |
| Retained earnings to average equity (ytd only) | 4.5544% | 2,771 |
| Net charge-offs to loans | -0.0291% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 51.0558% | 3,906 |
| Assets per employee ($millions) | 7.9031% | 1,489 |
| Cash dividends to net income (ytd only)* | 40.5844% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5764% | 880 |
| 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 | 53.3300% | 3,395 |
| Net loans and leases to deposits | 63.4120% | 3,321 |
| Net loans and leases to core deposits | 69.2239% | 3,349 |
| Total domestic deposits to total assets | 84.1000% | 2,598 |
| Equity capital to assets | 15.4786% | 510 |
| Core capital (leverage) ratio | 17.6010% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $109,842,200 | 3,743 |
| Average earning assets | $105,209,600 | 3,692 |
| Average equity | $16,072,200 | 3,176 |
| Average total loans | $54,911,800 | 3,776 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3787% | 3,143 |
| Cost of funding earning assets | 1.0880% | 2,778 |
| Net interest margin | 3.2907% | 2,706 |
| Noninterest income to average assets | 0.0800% | 4,369 |
| Noninterest expense to average assets | 1.6149% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3814% | 1,361 |
| Return on assets (ROA) | 1.3814% | 1,347 |
| Pretax return on assets | 1.6198% | 1,310 |
| Return on Equity (ROE) | 9.5800% | 2,776 |
| Retained earnings to average equity (ytd only) | 9.5810% | 1,523 |
| Net charge-offs to loans | -0.0348% | 4,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 49.9248% | 3,916 |
| Assets per employee ($millions) | 7.6844% | 1,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7247% | 665 |
| Loan loss allowance to noncurrent loans | 189.7384% | 2,566 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 1,259 |
| Noncurrent loans to loans | 0.9090% | 906 |
| Net loans and leases to total assets | 49.9500% | 3,619 |
| Net loans and leases to deposits | 58.5412% | 3,582 |
| Net loans and leases to core deposits | 63.9370% | 3,527 |
| Total domestic deposits to total assets | 85.3200% | 2,407 |
| Equity capital to assets | 14.1512% | 623 |
| Core capital (leverage) ratio | 17.6596% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $109,642,000 | 3,759 |
| Average earning assets | $105,022,000 | 3,709 |
| Average equity | $15,808,750 | 3,189 |
| Average total loans | $53,652,750 | 3,802 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 3,104 |
| Cost of funding earning assets | 1.0007% | 2,603 |
| Net interest margin | 3.2967% | 2,757 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 1.6224% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3650% | 1,414 |
| Return on assets (ROA) | 1.3650% | 1,395 |
| Pretax return on assets | 1.6333% | 1,354 |
| Return on Equity (ROE) | 9.4100% | 2,860 |
| Retained earnings to average equity (ytd only) | 9.4103% | 1,570 |
| Net charge-offs to loans | -0.0375% | 4,297 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 49.8330% | 3,942 |
| Assets per employee ($millions) | 7.7959% | 1,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7886% | 628 |
| Loan loss allowance to noncurrent loans | 191.0387% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 1,191 |
| Noncurrent loans to loans | 0.9362% | 817 |
| Net loans and leases to total assets | 47.1900% | 3,732 |
| Net loans and leases to deposits | 55.7780% | 3,661 |
| Net loans and leases to core deposits | 60.3214% | 3,614 |
| Total domestic deposits to total assets | 84.6100% | 2,657 |
| Equity capital to assets | 14.9858% | 526 |
| Core capital (leverage) ratio | 17.3102% | 383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $110,329,000 | 3,767 |
| Average earning assets | $105,924,000 | 3,712 |
| Average equity | $16,003,667 | 3,188 |
| Average total loans | $53,312,000 | 3,814 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1088% | 3,241 |
| Cost of funding earning assets | 0.8772% | 2,446 |
| Net interest margin | 3.2315% | 3,037 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.5146% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3992% | 1,414 |
| Return on assets (ROA) | 1.3992% | 1,391 |
| Pretax return on assets | 1.6841% | 1,302 |
| Return on Equity (ROE) | 9.8100% | 2,843 |
| Retained earnings to average equity (ytd only) | 9.8057% | 1,743 |
| Net charge-offs to loans | -0.0149% | 3,990 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.3506% | 4,131 |
| Assets per employee ($millions) | 7.9807% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8294% | 627 |
| Loan loss allowance to noncurrent loans | 206.8889% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.4028% | 1,282 |
| Noncurrent loans to loans | 0.8842% | 852 |
| Net loans and leases to total assets | 44.7100% | 3,835 |
| Net loans and leases to deposits | 52.5104% | 3,766 |
| Net loans and leases to core deposits | 55.4741% | 3,769 |
| Total domestic deposits to total assets | 85.1500% | 2,818 |
| Equity capital to assets | 14.5807% | 522 |
| Core capital (leverage) ratio | 16.6738% | 413 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $110,922,000 | 3,816 |
| Average earning assets | $106,698,500 | 3,752 |
| Average equity | $15,827,500 | 3,229 |
| Average total loans | $53,746,000 | 3,853 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 2,619 |
| Cost of funding earning assets | 0.4877% | 1,484 |
| Net interest margin | 3.1801% | 2,927 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.6557% | 4,239 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.2117% | 1,731 |
| Return on assets (ROA) | 0.9989% | 2,522 |
| Pretax return on assets | 1.2255% | 2,354 |
| Return on Equity (ROE) | 7.1800% | 3,594 |
| Retained earnings to average equity (ytd only) | 7.1823% | 2,158 |
| Net charge-offs to loans | -0.2689% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.7165% | 3,916 |
| Assets per employee ($millions) | 8.4703% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6413% | 898 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 50.5600% | 3,464 |
| Net loans and leases to deposits | 60.1346% | 3,321 |
| Net loans and leases to core deposits | 62.9653% | 3,327 |
| Total domestic deposits to total assets | 84.0800% | 3,189 |
| Equity capital to assets | 13.9528% | 582 |
| Core capital (leverage) ratio | 16.7321% | 401 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $112,521,200 | 3,804 |
| Average earning assets | $108,674,600 | 3,735 |
| Average equity | $15,649,600 | 3,313 |
| Average total loans | $53,553,600 | 3,839 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 2,412 |
| Cost of funding earning assets | 0.4512% | 976 |
| Net interest margin | 3.1217% | 2,861 |
| Noninterest income to average assets | -0.1000% | 4,735 |
| Noninterest expense to average assets | 1.4863% | 4,433 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.1739% | 1,795 |
| Return on assets (ROA) | 1.1739% | 1,768 |
| Pretax return on assets | 1.4273% | 1,640 |
| Return on Equity (ROE) | 8.4500% | 3,186 |
| Retained earnings to average equity (ytd only) | 8.4471% | 1,835 |
| Net charge-offs to loans | -0.3586% | 4,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.0113% | 4,089 |
| Assets per employee ($millions) | 8.4854% | 1,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7518% | 801 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 47.1300% | 3,695 |
| Net loans and leases to deposits | 54.1190% | 3,594 |
| Net loans and leases to core deposits | 56.3081% | 3,612 |
| Total domestic deposits to total assets | 87.0900% | 2,732 |
| Equity capital to assets | 12.8075% | 710 |
| Core capital (leverage) ratio | 15.8345% | 468 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $113,123,000 | 3,818 |
| Average earning assets | $109,340,000 | 3,758 |
| Average equity | $15,721,000 | 3,342 |
| Average total loans | $52,791,750 | 3,872 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3713% | 2,514 |
| Cost of funding earning assets | 0.4180% | 820 |
| Net interest margin | 2.9533% | 3,026 |
| Noninterest income to average assets | 0.0631% | 4,602 |
| Noninterest expense to average assets | 1.4571% | 4,463 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1906% | 1,456 |
| Return on assets (ROA) | 1.1906% | 1,435 |
| Pretax return on assets | 1.4676% | 1,260 |
| Return on Equity (ROE) | 8.3559% | 2,911 |
| Retained earnings to average equity (ytd only) | 8.3559% | 1,488 |
| Net charge-offs to loans | -0.4739% | 4,686 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8201% | 4,258 |
| Assets per employee ($millions) | 9.6057% | 734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7990% | 820 |
| Loan loss allowance to noncurrent loans | 535.2941% | 1,478 |
| Noncurrent assets plus other real estate owned to assets | 0.1475% | 2,690 |
| Noncurrent loans to loans | 0.3361% | 2,135 |
| Net loans and leases to total assets | 43.0944% | 3,900 |
| Net loans and leases to deposits | 49.6140% | 3,824 |
| Net loans and leases to core deposits | 51.5301% | 3,842 |
| Total domestic deposits to total assets | 86.8593% | 2,990 |
| Equity capital to assets | 13.0453% | 657 |
| Core capital (leverage) ratio | 15.1568% | 458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,060,667 | 3,851 |
| Average earning assets | $110,520,000 | 3,799 |
| Average equity | $16,252,000 | 3,385 |
| Average total loans | $52,749,667 | 3,916 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3103% | 2,359 |
| Cost of funding earning assets | 0.4147% | 801 |
| Net interest margin | 2.8956% | 2,856 |
| Noninterest income to average assets | 0.0776% | 4,584 |
| Noninterest expense to average assets | 1.3573% | 4,570 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1916% | 1,267 |
| Return on assets (ROA) | 1.1916% | 1,262 |
| Pretax return on assets | 1.5266% | 966 |
| Return on Equity (ROE) | 8.0192% | 2,685 |
| Retained earnings to average equity (ytd only) | 8.0192% | 1,579 |
| Net charge-offs to loans | -0.0223% | 3,972 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0660% | 4,451 |
| Assets per employee ($millions) | 9.0762% | 886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 1,405 |
| Loan loss allowance to noncurrent loans | 2,918.5185% | 396 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 3,815 |
| Noncurrent loans to loans | 0.0531% | 3,603 |
| Net loans and leases to total assets | 42.4595% | 3,853 |
| Net loans and leases to deposits | 49.1658% | 3,801 |
| Net loans and leases to core deposits | 50.8016% | 3,828 |
| Total domestic deposits to total assets | 86.3599% | 3,148 |
| Equity capital to assets | 13.5571% | 593 |
| Core capital (leverage) ratio | 15.0016% | 430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,457,000 | 3,881 |
| Average earning assets | $109,959,000 | 3,822 |
| Average equity | $16,859,500 | 3,408 |
| Average total loans | $53,832,500 | 3,903 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7937% | 1,884 |
| Cost of funding earning assets | 0.4926% | 966 |
| Net interest margin | 3.3011% | 2,312 |
| Noninterest income to average assets | 0.0476% | 4,730 |
| Noninterest expense to average assets | 1.6237% | 4,394 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.2967% | 1,609 |
| Return on assets (ROA) | 1.2967% | 1,657 |
| Pretax return on assets | 1.5541% | 1,559 |
| Return on Equity (ROE) | 8.0537% | 3,204 |
| Retained earnings to average equity (ytd only) | 5.2099% | 2,709 |
| Net charge-offs to loans | -0.0871% | 4,540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0951% | 4,193 |
| Assets per employee ($millions) | 8.3788% | 1,130 |
| Cash dividends to net income (ytd only)* | 35.3107% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 1,988 |
| Loan loss allowance to noncurrent loans | 4,617.6471% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 3,981 |
| Noncurrent loans to loans | 0.0299% | 3,860 |
| Net loans and leases to total assets | 51.4065% | 3,130 |
| Net loans and leases to deposits | 61.7027% | 2,910 |
| Net loans and leases to core deposits | 64.0092% | 2,977 |
| Total domestic deposits to total assets | 83.3131% | 3,738 |
| Equity capital to assets | 16.2710% | 352 |
| Core capital (leverage) ratio | 15.5213% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,196,800 | 3,902 |
| Average earning assets | $103,540,600 | 3,868 |
| Average equity | $17,582,000 | 3,420 |
| Average total loans | $49,382,600 | 4,013 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8972% | 1,773 |
| Cost of funding earning assets | 0.5100% | 1,002 |
| Net interest margin | 3.3872% | 2,190 |
| Noninterest income to average assets | 0.1440% | 4,477 |
| Noninterest expense to average assets | 1.4277% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5583% | 1,127 |
| Return on assets (ROA) | 1.5583% | 1,174 |
| Pretax return on assets | 1.9097% | 931 |
| Return on Equity (ROE) | 9.7034% | 2,843 |
| Retained earnings to average equity (ytd only) | 9.7034% | 1,407 |
| Net charge-offs to loans | -0.1038% | 4,626 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7788% | 4,634 |
| Assets per employee ($millions) | 8.3742% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6599% | 1,199 |
| Loan loss allowance to noncurrent loans | 4,582.3529% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,111 |
| Noncurrent loans to loans | 0.0362% | 3,946 |
| Net loans and leases to total assets | 42.3933% | 4,065 |
| Net loans and leases to deposits | 51.0701% | 3,946 |
| Net loans and leases to core deposits | 52.9868% | 3,984 |
| Total domestic deposits to total assets | 83.0100% | 3,704 |
| Equity capital to assets | 16.5711% | 364 |
| Core capital (leverage) ratio | 15.7369% | 411 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,265,000 | 3,945 |
| Average earning assets | $103,011,250 | 3,922 |
| Average equity | $17,546,750 | 3,464 |
| Average total loans | $47,533,500 | 4,104 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 1,144 |
| Cost of funding earning assets | 0.5377% | 997 |
| Net interest margin | 3.6854% | 1,384 |
| Noninterest income to average assets | 0.1133% | 4,633 |
| Noninterest expense to average assets | 1.4552% | 4,671 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6746% | 912 |
| Return on assets (ROA) | 1.6746% | 962 |
| Pretax return on assets | 2.0914% | 693 |
| Return on Equity (ROE) | 10.5394% | 2,571 |
| Retained earnings to average equity (ytd only) | 10.5394% | 1,242 |
| Net charge-offs to loans | -0.1215% | 4,683 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0309% | 4,722 |
| Assets per employee ($millions) | 8.5162% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6896% | 1,086 |
| Loan loss allowance to noncurrent loans | 4,818.7500% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 4,197 |
| Noncurrent loans to loans | 0.0351% | 4,024 |
| Net loans and leases to total assets | 40.5221% | 4,270 |
| Net loans and leases to deposits | 48.6035% | 4,181 |
| Net loans and leases to core deposits | 51.3589% | 4,164 |
| Total domestic deposits to total assets | 83.3728% | 3,614 |
| Equity capital to assets | 16.1413% | 400 |
| Core capital (leverage) ratio | 15.3591% | 432 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,398,667 | 3,971 |
| Average earning assets | $101,915,000 | 3,954 |
| Average equity | $17,382,333 | 3,478 |
| Average total loans | $47,734,667 | 4,121 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6205% | 636 |
| Cost of funding earning assets | 0.5750% | 988 |
| Net interest margin | 4.0455% | 790 |
| Noninterest income to average assets | 0.0552% | 4,838 |
| Noninterest expense to average assets | 1.4125% | 4,734 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8686% | 699 |
| Return on assets (ROA) | 1.8686% | 749 |
| Pretax return on assets | 2.3174% | 575 |
| Return on Equity (ROE) | 11.8563% | 2,069 |
| Retained earnings to average equity (ytd only) | 11.8563% | 1,184 |
| Net charge-offs to loans | -0.2378% | 4,814 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8698% | 4,808 |
| Assets per employee ($millions) | 8.4522% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6090% | 1,268 |
| Loan loss allowance to noncurrent loans | 1,880.4878% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0373% | 4,105 |
| Noncurrent loans to loans | 0.0856% | 3,879 |
| Net loans and leases to total assets | 42.9090% | 4,181 |
| Net loans and leases to deposits | 51.1911% | 4,092 |
| Net loans and leases to core deposits | 54.2798% | 4,084 |
| Total domestic deposits to total assets | 83.8213% | 3,494 |
| Equity capital to assets | 15.6882% | 424 |
| Core capital (leverage) ratio | 14.9817% | 481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,743,000 | 3,984 |
| Average earning assets | $98,776,500 | 3,991 |
| Average equity | $17,138,500 | 3,505 |
| Average total loans | $48,785,500 | 4,129 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 2,720 |
| Cost of funding earning assets | 0.7546% | 1,429 |
| Net interest margin | 3.2478% | 3,221 |
| Noninterest income to average assets | 0.0661% | 4,838 |
| Noninterest expense to average assets | 1.7731% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0552% | 2,084 |
| Return on assets (ROA) | 1.0552% | 2,220 |
| Pretax return on assets | 1.3956% | 1,673 |
| Return on Equity (ROE) | 6.2833% | 3,493 |
| Retained earnings to average equity (ytd only) | 3.3026% | 3,177 |
| Net charge-offs to loans | -0.0281% | 4,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9558% | 3,987 |
| Assets per employee ($millions) | 8.2775% | 942 |
| Cash dividends to net income (ytd only)* | 47.4383% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4944% | 1,601 |
| Loan loss allowance to noncurrent loans | 3,091.6667% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 4,281 |
| Noncurrent loans to loans | 0.0483% | 4,102 |
| Net loans and leases to total assets | 45.4524% | 4,165 |
| Net loans and leases to deposits | 54.3547% | 4,094 |
| Net loans and leases to core deposits | 57.2891% | 4,082 |
| Total domestic deposits to total assets | 83.6219% | 3,233 |
| Equity capital to assets | 15.8345% | 449 |
| Core capital (leverage) ratio | 15.3668% | 457 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,884,200 | 3,998 |
| Average earning assets | $95,418,800 | 3,954 |
| Average equity | $16,774,600 | 3,474 |
| Average total loans | $49,765,200 | 4,115 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1607% | 2,492 |
| Cost of funding earning assets | 0.7792% | 1,591 |
| Net interest margin | 3.3814% | 2,977 |
| Noninterest income to average assets | 0.0667% | 4,858 |
| Noninterest expense to average assets | 1.5803% | 4,747 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.4197% | 1,058 |
| Return on assets (ROA) | 1.4197% | 1,147 |
| Pretax return on assets | 1.7586% | 850 |
| Return on Equity (ROE) | 8.3229% | 2,681 |
| Retained earnings to average equity (ytd only) | 8.3229% | 1,201 |
| Net charge-offs to loans | -0.0348% | 4,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3298% | 4,646 |
| Assets per employee ($millions) | 7.7615% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,267 |
| Loan loss allowance to noncurrent loans | 2,850.0000% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 4,334 |
| Noncurrent loans to loans | 0.0541% | 4,157 |
| Net loans and leases to total assets | 46.9311% | 4,271 |
| Net loans and leases to deposits | 57.0092% | 4,213 |
| Net loans and leases to core deposits | 59.6085% | 4,225 |
| Total domestic deposits to total assets | 82.3219% | 3,334 |
| Equity capital to assets | 17.2063% | 355 |
| Core capital (leverage) ratio | 16.6478% | 367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,953,500 | 4,018 |
| Average earning assets | $94,789,750 | 3,953 |
| Average equity | $16,708,500 | 3,478 |
| Average total loans | $49,793,500 | 4,138 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3513% | 2,333 |
| Cost of funding earning assets | 0.8185% | 1,741 |
| Net interest margin | 3.5327% | 2,695 |
| Noninterest income to average assets | 0.0701% | 4,867 |
| Noninterest expense to average assets | 1.5922% | 4,781 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5015% | 924 |
| Return on assets (ROA) | 1.5015% | 997 |
| Pretax return on assets | 1.8871% | 683 |
| Return on Equity (ROE) | 8.8291% | 2,432 |
| Retained earnings to average equity (ytd only) | 8.8291% | 1,059 |
| Net charge-offs to loans | -0.0278% | 4,512 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7617% | 4,737 |
| Assets per employee ($millions) | 7.0455% | 1,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4463% | 1,422 |
| Loan loss allowance to noncurrent loans | 2,722.2222% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 4,413 |
| Noncurrent loans to loans | 0.0531% | 4,271 |
| Net loans and leases to total assets | 50.7761% | 4,116 |
| Net loans and leases to deposits | 61.8420% | 4,012 |
| Net loans and leases to core deposits | 65.3608% | 4,000 |
| Total domestic deposits to total assets | 82.1061% | 3,343 |
| Equity capital to assets | 17.2339% | 354 |
| Core capital (leverage) ratio | 17.0275% | 345 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,971,667 | 4,035 |
| Average earning assets | $93,581,667 | 3,976 |
| Average equity | $16,491,000 | 3,508 |
| Average total loans | $50,360,000 | 4,133 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 2,652 |
| Cost of funding earning assets | 0.8687% | 2,018 |
| Net interest margin | 3.5224% | 2,900 |
| Noninterest income to average assets | 0.0832% | 4,884 |
| Noninterest expense to average assets | 1.4895% | 4,925 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5686% | 663 |
| Return on assets (ROA) | 1.5686% | 732 |
| Pretax return on assets | 1.9846% | 461 |
| Return on Equity (ROE) | 9.2874% | 1,999 |
| Retained earnings to average equity (ytd only) | 9.2874% | 899 |
| Net charge-offs to loans | -0.0319% | 4,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8743% | 4,917 |
| Assets per employee ($millions) | 6.8727% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4827% | 1,395 |
| Loan loss allowance to noncurrent loans | 2,614.2857% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 4,422 |
| Noncurrent loans to loans | 0.0567% | 4,326 |
| Net loans and leases to total assets | 50.5488% | 4,212 |
| Net loans and leases to deposits | 61.3329% | 4,139 |
| Net loans and leases to core deposits | 66.0299% | 4,082 |
| Total domestic deposits to total assets | 82.4170% | 3,290 |
| Equity capital to assets | 17.1018% | 429 |
| Core capital (leverage) ratio | 16.8404% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2079% | 430 |
| Memoranda: | ||
| Average total assets | $96,139,000 | 4,046 |
| Average earning assets | $92,551,500 | 3,994 |
| Average equity | $16,237,000 | 3,538 |
| Average total loans | $50,130,500 | 4,151 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 3,257 |
| Cost of funding earning assets | 0.8718% | 2,324 |
| Net interest margin | 3.5267% | 3,355 |
| Noninterest income to average assets | 0.0765% | 4,982 |
| Noninterest expense to average assets | 1.8147% | 4,758 |
| Loan and lease loss provision to assets | 0.0532% | 2,970 |
| Net operating income to assets | 1.2976% | 1,698 |
| Return on assets (ROA) | 1.2534% | 1,941 |
| Pretax return on assets | 1.5638% | 1,606 |
| Return on Equity (ROE) | 7.4420% | 3,392 |
| Retained earnings to average equity (ytd only) | 4.2859% | 2,815 |
| Net charge-offs to loans | 0.1985% | 1,025 |
| Credit loss provision to net charge-offs | 50.5051% | 3,121 |
| Earnings coverage of net charge-offs (x) | 15.8889% | 2,206 |
| Efficiency ratio | 52.0427% | 4,602 |
| Assets per employee ($millions) | 6.8614% | 1,101 |
| Cash dividends to net income (ytd only)* | 42.4088% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 1,426 |
| Loan loss allowance to noncurrent loans | 2,596.4286% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 4,499 |
| Noncurrent loans to loans | 0.0550% | 4,323 |
| Net loans and leases to total assets | 52.2226% | 4,209 |
| Net loans and leases to deposits | 62.9218% | 4,141 |
| Net loans and leases to core deposits | 66.9867% | 4,134 |
| Total domestic deposits to total assets | 82.9960% | 3,193 |
| Equity capital to assets | 16.6760% | 506 |
| Core capital (leverage) ratio | 16.4038% | 471 |
| Tier 1 risk-based capital ratio | 23.5882% | 857 |
| Total risk-based capital ratio | 24.6815% | 859 |
| Memoranda: | ||
| Average total assets | $94,063,600 | 4,084 |
| Average earning assets | $90,963,800 | 4,037 |
| Average equity | $15,842,600 | 3,558 |
| Average total loans | $49,864,400 | 4,187 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3589% | 3,487 |
| Cost of funding earning assets | 0.8668% | 2,379 |
| Net interest margin | 3.4921% | 3,582 |
| Noninterest income to average assets | 0.0755% | 5,057 |
| Noninterest expense to average assets | 1.5875% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7540% | 677 |
| Return on assets (ROA) | 1.6844% | 813 |
| Pretax return on assets | 1.8012% | 1,089 |
| Return on Equity (ROE) | 9.9754% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.9754% | 753 |
| Net charge-offs to loans | 0.1236% | 1,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 28.6095% | 1,679 |
| Efficiency ratio | 45.8436% | 4,941 |
| Assets per employee ($millions) | 6.7574% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4584% | 1,369 |
| Loan loss allowance to noncurrent loans | 412.9944% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 3,824 |
| Noncurrent loans to loans | 0.3531% | 3,277 |
| Net loans and leases to total assets | 52.2098% | 4,306 |
| Net loans and leases to deposits | 63.4940% | 4,210 |
| Net loans and leases to core deposits | 68.1504% | 4,165 |
| Total domestic deposits to total assets | 82.2278% | 3,405 |
| Equity capital to assets | 17.5301% | 431 |
| Core capital (leverage) ratio | 17.1494% | 418 |
| Tier 1 risk-based capital ratio | 22.6723% | 988 |
| Total risk-based capital ratio | 23.6961% | 986 |
| Memoranda: | ||
| Average total assets | $93,564,500 | 4,140 |
| Average earning assets | $90,754,750 | 4,077 |
| Average equity | $15,798,500 | 3,599 |
| Average total loans | $49,607,500 | 4,243 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2929% | 3,656 |
| Cost of funding earning assets | 0.8621% | 2,339 |
| Net interest margin | 3.4307% | 3,798 |
| Noninterest income to average assets | 0.0751% | 5,110 |
| Noninterest expense to average assets | 1.6477% | 5,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.7260% | 687 |
| Return on assets (ROA) | 1.6156% | 915 |
| Pretax return on assets | 1.6370% | 1,434 |
| Return on Equity (ROE) | 9.6932% | 2,537 |
| Retained earnings to average equity (ytd only) | 9.6932% | 849 |
| Net charge-offs to loans | -0.1173% | 5,035 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5155% | 4,866 |
| Assets per employee ($millions) | 6.5968% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 966 |
| Loan loss allowance to noncurrent loans | 221.4286% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 2,929 |
| Noncurrent loans to loans | 0.7347% | 2,150 |
| Net loans and leases to total assets | 52.7692% | 4,308 |
| Net loans and leases to deposits | 64.0778% | 4,222 |
| Net loans and leases to core deposits | 68.3866% | 4,190 |
| Total domestic deposits to total assets | 82.3518% | 3,426 |
| Equity capital to assets | 17.4414% | 427 |
| Core capital (leverage) ratio | 17.0585% | 424 |
| Tier 1 risk-based capital ratio | 23.8437% | 864 |
| Total risk-based capital ratio | 25.0632% | 847 |
| Memoranda: | ||
| Average total assets | $93,218,330 | 4,170 |
| Average earning assets | $90,243,000 | 4,113 |
| Average equity | $15,536,670 | 3,632 |
| Average total loans | $49,435,670 | 4,269 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 3,804 |
| Cost of funding earning assets | 0.8433% | 2,310 |
| Net interest margin | 3.3777% | 3,948 |
| Noninterest income to average assets | 0.0897% | 5,114 |
| Noninterest expense to average assets | 1.5889% | 5,107 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7512% | 657 |
| Return on assets (ROA) | 1.7512% | 677 |
| Pretax return on assets | 1.7512% | 1,094 |
| Return on Equity (ROE) | 10.7534% | 2,049 |
| Retained earnings to average equity (ytd only) | 10.7534% | 861 |
| Net charge-offs to loans | -0.0081% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5703% | 4,962 |
| Assets per employee ($millions) | 6.6669% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5620% | 1,150 |
| Loan loss allowance to noncurrent loans | 348.8789% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.2389% | 3,673 |
| Noncurrent loans to loans | 0.4477% | 2,979 |
| Net loans and leases to total assets | 52.5301% | 4,302 |
| Net loans and leases to deposits | 63.4036% | 4,220 |
| Net loans and leases to core deposits | 67.1800% | 4,221 |
| Total domestic deposits to total assets | 82.8503% | 3,440 |
| Equity capital to assets | 16.7104% | 478 |
| Core capital (leverage) ratio | 16.5942% | 466 |
| Tier 1 risk-based capital ratio | 23.7865% | 860 |
| Total risk-based capital ratio | 24.9869% | 843 |
| Memoranda: | ||
| Average total assets | $93,650,000 | 4,208 |
| Average earning assets | $90,120,000 | 4,141 |
| Average equity | $15,251,000 | 3,675 |
| Average total loans | $49,383,000 | 4,314 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 3,380 |
| Cost of funding earning assets | 0.8008% | 1,519 |
| Net interest margin | 3.4218% | 3,936 |
| Noninterest income to average assets | 0.0850% | 5,194 |
| Noninterest expense to average assets | 1.7884% | 5,011 |
| Loan and lease loss provision to assets | 0.2125% | 867 |
| Net operating income to assets | 1.0941% | 2,626 |
| Return on assets (ROA) | 1.0807% | 2,670 |
| Pretax return on assets | 1.3634% | 2,263 |
| Return on Equity (ROE) | 6.9707% | 3,834 |
| Retained earnings to average equity (ytd only) | 5.5999% | 2,416 |
| Net charge-offs to loans | -0.0042% | 4,320 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,968 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8913% | 4,725 |
| Assets per employee ($millions) | 6.7116% | 1,109 |
| Cash dividends to net income (ytd only)* | 19.6657% | 3,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 1,054 |
| Loan loss allowance to noncurrent loans | 579.8507% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1426% | 4,114 |
| Noncurrent loans to loans | 0.2737% | 3,592 |
| Net loans and leases to total assets | 51.2766% | 4,440 |
| Net loans and leases to deposits | 61.2600% | 4,413 |
| Net loans and leases to core deposits | 65.1103% | 4,399 |
| Total domestic deposits to total assets | 83.7032% | 3,083 |
| Equity capital to assets | 15.8626% | 558 |
| Core capital (leverage) ratio | 16.1123% | 498 |
| Tier 1 risk-based capital ratio | 22.2004% | 1,002 |
| Total risk-based capital ratio | 23.3501% | 997 |
| Memoranda: | ||
| Average total assets | $94,105,400 | 4,200 |
| Average earning assets | $90,655,200 | 4,134 |
| Average equity | $14,589,600 | 3,687 |
| Average total loans | $47,959,600 | 4,354 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 3,317 |
| Cost of funding earning assets | 0.7867% | 1,396 |
| Net interest margin | 3.4153% | 3,958 |
| Noninterest income to average assets | 0.0850% | 5,261 |
| Noninterest expense to average assets | 1.5792% | 5,228 |
| Loan and lease loss provision to assets | 0.2124% | 791 |
| Net operating income to assets | 1.1966% | 2,253 |
| Return on assets (ROA) | 1.1854% | 2,292 |
| Pretax return on assets | 1.5749% | 1,653 |
| Return on Equity (ROE) | 7.6906% | 3,669 |
| Retained earnings to average equity (ytd only) | 7.6906% | 1,800 |
| Net charge-offs to loans | -0.0028% | 4,128 |
| Credit loss provision to net charge-offs | -15,000.0000% | 4,924 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7114% | 5,116 |
| Assets per employee ($millions) | 6.1413% | 1,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5523% | 1,190 |
| Loan loss allowance to noncurrent loans | 605.0000% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.1303% | 4,311 |
| Noncurrent loans to loans | 0.2566% | 3,771 |
| Net loans and leases to total assets | 49.9826% | 4,599 |
| Net loans and leases to deposits | 59.8300% | 4,560 |
| Net loans and leases to core deposits | 63.6741% | 4,536 |
| Total domestic deposits to total assets | 83.5410% | 3,106 |
| Equity capital to assets | 15.9531% | 550 |
| Core capital (leverage) ratio | 16.2777% | 482 |
| Tier 1 risk-based capital ratio | 23.4602% | 897 |
| Total risk-based capital ratio | 24.5940% | 886 |
| Memoranda: | ||
| Average total assets | $94,141,000 | 4,237 |
| Average earning assets | $90,845,000 | 4,169 |
| Average equity | $14,510,750 | 3,722 |
| Average total loans | $47,710,000 | 4,406 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 3,084 |
| Cost of funding earning assets | 0.7630% | 1,315 |
| Net interest margin | 3.4476% | 3,805 |
| Noninterest income to average assets | 0.0823% | 5,317 |
| Noninterest expense to average assets | 1.5588% | 5,298 |
| Loan and lease loss provision to assets | 0.2109% | 797 |
| Net operating income to assets | 1.3352% | 1,649 |
| Return on assets (ROA) | 1.3352% | 1,657 |
| Pretax return on assets | 1.6390% | 1,380 |
| Return on Equity (ROE) | 8.7619% | 3,141 |
| Retained earnings to average equity (ytd only) | 8.7619% | 1,297 |
| Net charge-offs to loans | -0.0042% | 4,060 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7302% | 5,221 |
| Assets per employee ($millions) | 7.1154% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4330% | 1,628 |
| Loan loss allowance to noncurrent loans | 719.1489% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 4,488 |
| Noncurrent loans to loans | 0.1993% | 4,010 |
| Net loans and leases to total assets | 50.2681% | 4,592 |
| Net loans and leases to deposits | 60.0548% | 4,526 |
| Net loans and leases to core deposits | 62.5831% | 4,580 |
| Total domestic deposits to total assets | 83.7038% | 3,172 |
| Equity capital to assets | 15.8249% | 529 |
| Core capital (leverage) ratio | 15.9513% | 507 |
| Tier 1 risk-based capital ratio | 22.3958% | 997 |
| Total risk-based capital ratio | 23.4174% | 1,001 |
| Memoranda: | ||
| Average total assets | $94,814,670 | 4,268 |
| Average earning assets | $91,483,000 | 4,195 |
| Average equity | $14,449,000 | 3,752 |
| Average total loans | $48,023,330 | 4,438 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 3,137 |
| Cost of funding earning assets | 0.7384% | 1,248 |
| Net interest margin | 3.3898% | 3,915 |
| Noninterest income to average assets | 0.0875% | 5,371 |
| Noninterest expense to average assets | 1.5088% | 5,385 |
| Loan and lease loss provision to assets | 0.2084% | 780 |
| Net operating income to assets | 1.6421% | 773 |
| Return on assets (ROA) | 1.6421% | 776 |
| Pretax return on assets | 1.6421% | 1,265 |
| Return on Equity (ROE) | 10.9791% | 1,981 |
| Retained earnings to average equity (ytd only) | 10.9791% | 905 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9132% | 5,322 |
| Assets per employee ($millions) | 6.8861% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2809% | 2,331 |
| Loan loss allowance to noncurrent loans | 164.4737% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 3,259 |
| Noncurrent loans to loans | 0.7788% | 2,255 |
| Net loans and leases to total assets | 49.9627% | 4,560 |
| Net loans and leases to deposits | 59.0550% | 4,531 |
| Net loans and leases to core deposits | 62.6115% | 4,509 |
| Total domestic deposits to total assets | 84.6037% | 3,072 |
| Equity capital to assets | 14.9721% | 680 |
| Core capital (leverage) ratio | 15.3399% | 582 |
| Tier 1 risk-based capital ratio | 21.8916% | 1,066 |
| Total risk-based capital ratio | 22.8300% | 1,085 |
| Memoranda: | ||
| Average total assets | $95,972,000 | 4,288 |
| Average earning assets | $92,631,000 | 4,219 |
| Average equity | $14,354,500 | 3,791 |
| Average total loans | $48,448,000 | 4,477 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0595% | 3,202 |
| Cost of funding earning assets | 0.7383% | 856 |
| Net interest margin | 3.3212% | 4,093 |
| Noninterest income to average assets | 0.1070% | 5,386 |
| Noninterest expense to average assets | 1.6698% | 5,362 |
| Loan and lease loss provision to assets | 0.2139% | 927 |
| Net operating income to assets | 1.0729% | 1,968 |
| Return on assets (ROA) | 1.0729% | 1,986 |
| Pretax return on assets | 1.4377% | 1,861 |
| Return on Equity (ROE) | 7.1373% | 3,205 |
| Retained earnings to average equity (ytd only) | 5.7141% | 1,699 |
| Net charge-offs to loans | 0.7390% | 282 |
| Credit loss provision to net charge-offs | 58.8235% | 3,228 |
| Earnings coverage of net charge-offs (x) | 4.5412% | 3,451 |
| Efficiency ratio | 50.2738% | 5,207 |
| Assets per employee ($millions) | 7.3491% | 829 |
| Cash dividends to net income (ytd only)* | 19.9402% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 2,816 |
| Loan loss allowance to noncurrent loans | 102.3132% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 2,591 |
| Noncurrent loans to loans | 1.1683% | 1,519 |
| Net loans and leases to total assets | 49.7488% | 4,659 |
| Net loans and leases to deposits | 58.8383% | 4,652 |
| Net loans and leases to core deposits | 61.9561% | 4,657 |
| Total domestic deposits to total assets | 84.5517% | 3,019 |
| Equity capital to assets | 14.9417% | 690 |
| Core capital (leverage) ratio | 14.9897% | 623 |
| Tier 1 risk-based capital ratio | 21.2396% | 1,105 |
| Total risk-based capital ratio | 22.1005% | 1,145 |
| Memoranda: | ||
| Average total assets | $93,482,000 | 4,358 |
| Average earning assets | $90,478,800 | 4,279 |
| Average equity | $14,053,000 | 3,838 |
| Average total loans | $46,008,200 | 4,568 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0738% | 3,077 |
| Cost of funding earning assets | 0.7346% | 824 |
| Net interest margin | 3.3392% | 4,047 |
| Noninterest income to average assets | 0.1119% | 5,438 |
| Noninterest expense to average assets | 1.4471% | 5,555 |
| Loan and lease loss provision to assets | 0.2868% | 558 |
| Net operating income to assets | 1.0842% | 2,156 |
| Return on assets (ROA) | 1.0842% | 2,215 |
| Pretax return on assets | 1.6048% | 1,404 |
| Return on Equity (ROE) | 7.2011% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.2011% | 1,587 |
| Net charge-offs to loans | 0.1612% | 1,272 |
| Credit loss provision to net charge-offs | 363.6364% | 838 |
| Earnings coverage of net charge-offs (x) | 23.9823% | 1,788 |
| Efficiency ratio | 43.3419% | 5,504 |
| Assets per employee ($millions) | 7.7729% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8283% | 808 |
| Loan loss allowance to noncurrent loans | 104.4957% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.8823% | 1,951 |
| Noncurrent loans to loans | 1.7496% | 1,026 |
| Net loans and leases to total assets | 49.5074% | 4,733 |
| Net loans and leases to deposits | 59.0036% | 4,681 |
| Net loans and leases to core deposits | 62.7240% | 4,664 |
| Total domestic deposits to total assets | 83.9057% | 3,154 |
| Equity capital to assets | 15.4039% | 647 |
| Core capital (leverage) ratio | 15.1559% | 631 |
| Tier 1 risk-based capital ratio | 21.6582% | 1,089 |
| Total risk-based capital ratio | 22.9081% | 1,072 |
| Memoranda: | ||
| Average total assets | $92,968,000 | 4,408 |
| Average earning assets | $89,839,500 | 4,338 |
| Average equity | $13,997,500 | 3,882 |
| Average total loans | $45,484,250 | 4,627 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 3,011 |
| Cost of funding earning assets | 0.7278% | 771 |
| Net interest margin | 3.3222% | 4,041 |
| Noninterest income to average assets | 0.1185% | 5,458 |
| Noninterest expense to average assets | 1.4451% | 5,605 |
| Loan and lease loss provision to assets | 0.2692% | 594 |
| Net operating income to assets | 1.1091% | 1,933 |
| Return on assets (ROA) | 1.1091% | 1,985 |
| Pretax return on assets | 1.6088% | 1,314 |
| Return on Equity (ROE) | 7.4240% | 3,324 |
| Retained earnings to average equity (ytd only) | 7.4240% | 1,383 |
| Net charge-offs to loans | 0.2446% | 834 |
| Credit loss provision to net charge-offs | 227.2727% | 1,151 |
| Earnings coverage of net charge-offs (x) | 15.8545% | 2,005 |
| Efficiency ratio | 43.4867% | 5,541 |
| Assets per employee ($millions) | 7.7953% | 669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7120% | 1,035 |
| Loan loss allowance to noncurrent loans | 73.9868% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.1342% | 1,525 |
| Noncurrent loans to loans | 2.3139% | 685 |
| Net loans and leases to total assets | 48.1784% | 4,812 |
| Net loans and leases to deposits | 57.2758% | 4,786 |
| Net loans and leases to core deposits | 60.8657% | 4,778 |
| Total domestic deposits to total assets | 84.1166% | 3,149 |
| Equity capital to assets | 15.1725% | 677 |
| Core capital (leverage) ratio | 14.9559% | 639 |
| Tier 1 risk-based capital ratio | 23.1465% | 929 |
| Total risk-based capital ratio | 24.3971% | 922 |
| Memoranda: | ||
| Average total assets | $92,865,670 | 4,443 |
| Average earning assets | $89,580,330 | 4,366 |
| Average equity | $13,874,000 | 3,904 |
| Average total loans | $44,966,330 | 4,661 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0193% | 2,961 |
| Cost of funding earning assets | 0.7230% | 749 |
| Net interest margin | 3.2963% | 4,020 |
| Noninterest income to average assets | 0.1340% | 5,444 |
| Noninterest expense to average assets | 1.4007% | 5,692 |
| Loan and lease loss provision to assets | 0.5404% | 183 |
| Net operating income to assets | 1.3661% | 1,073 |
| Return on assets (ROA) | 1.3661% | 1,110 |
| Pretax return on assets | 1.3661% | 2,006 |
| Return on Equity (ROE) | 9.2165% | 2,310 |
| Retained earnings to average equity (ytd only) | 9.2165% | 1,013 |
| Net charge-offs to loans | 0.5121% | 357 |
| Credit loss provision to net charge-offs | 219.2982% | 956 |
| Earnings coverage of net charge-offs (x) | 7.7368% | 2,113 |
| Efficiency ratio | 42.3529% | 5,645 |
| Assets per employee ($millions) | 7.7308% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7800% | 996 |
| Loan loss allowance to noncurrent loans | 125.6822% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 2,615 |
| Noncurrent loans to loans | 1.4163% | 1,427 |
| Net loans and leases to total assets | 46.5722% | 4,915 |
| Net loans and leases to deposits | 55.2169% | 4,864 |
| Net loans and leases to core deposits | 58.2411% | 4,869 |
| Total domestic deposits to total assets | 84.3441% | 3,344 |
| Equity capital to assets | 15.0038% | 656 |
| Core capital (leverage) ratio | 14.4489% | 726 |
| Tier 1 risk-based capital ratio | 21.8191% | 1,104 |
| Total risk-based capital ratio | 23.0661% | 1,077 |
| Memoranda: | ||
| Average total assets | $92,526,500 | 4,490 |
| Average earning assets | $89,069,500 | 4,420 |
| Average equity | $13,714,500 | 3,957 |
| Average total loans | $44,523,000 | 4,715 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1807% | 2,551 |
| Cost of funding earning assets | 0.7315% | 695 |
| Net interest margin | 3.4492% | 3,632 |
| Noninterest income to average assets | 0.1240% | 5,565 |
| Noninterest expense to average assets | 1.6731% | 5,586 |
| Loan and lease loss provision to assets | 0.2156% | 1,038 |
| Net operating income to assets | 1.1799% | 1,569 |
| Return on assets (ROA) | 1.1815% | 1,661 |
| Pretax return on assets | 1.5620% | 1,394 |
| Return on Equity (ROE) | 7.9943% | 2,938 |
| Retained earnings to average equity (ytd only) | 6.5355% | 1,443 |
| Net charge-offs to loans | -0.1129% | 5,624 |
| Credit loss provision to net charge-offs | -400.0000% | 5,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5152% | 5,551 |
| Assets per employee ($millions) | 7.0987% | 880 |
| Cash dividends to net income (ytd only)* | 18.2482% | 3,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5868% | 1,407 |
| Loan loss allowance to noncurrent loans | 154.4276% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 3,250 |
| Noncurrent loans to loans | 1.0276% | 2,030 |
| Net loans and leases to total assets | 48.0511% | 4,894 |
| Net loans and leases to deposits | 56.6952% | 4,873 |
| Net loans and leases to core deposits | 59.1658% | 4,897 |
| Total domestic deposits to total assets | 84.7534% | 3,153 |
| Equity capital to assets | 14.6397% | 700 |
| Core capital (leverage) ratio | 14.1404% | 783 |
| Tier 1 risk-based capital ratio | 20.0690% | 1,364 |
| Total risk-based capital ratio | 21.1411% | 1,363 |
| Memoranda: | ||
| Average total assets | $92,764,200 | 4,496 |
| Average earning assets | $89,410,800 | 4,403 |
| Average equity | $13,709,800 | 3,988 |
| Average total loans | $44,293,400 | 4,741 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1698% | 2,612 |
| Cost of funding earning assets | 0.7302% | 698 |
| Net interest margin | 3.4396% | 3,707 |
| Noninterest income to average assets | 0.1234% | 5,628 |
| Noninterest expense to average assets | 1.4713% | 5,779 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3617% | 1,140 |
| Return on assets (ROA) | 1.3637% | 1,214 |
| Pretax return on assets | 1.9752% | 607 |
| Return on Equity (ROE) | 9.2054% | 2,397 |
| Retained earnings to average equity (ytd only) | 9.2054% | 754 |
| Net charge-offs to loans | 0.0212% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 196.3505% | 375 |
| Efficiency ratio | 42.7261% | 5,770 |
| Assets per employee ($millions) | 7.1095% | 851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 4,221 |
| Loan loss allowance to noncurrent loans | 108.7886% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.4555% | 3,597 |
| Noncurrent loans to loans | 0.9497% | 2,345 |
| Net loans and leases to total assets | 47.4665% | 4,995 |
| Net loans and leases to deposits | 56.6671% | 4,955 |
| Net loans and leases to core deposits | 60.3024% | 4,919 |
| Total domestic deposits to total assets | 83.7638% | 3,289 |
| Equity capital to assets | 15.2668% | 680 |
| Core capital (leverage) ratio | 14.5085% | 721 |
| Tier 1 risk-based capital ratio | 22.1918% | 1,115 |
| Total risk-based capital ratio | 22.9473% | 1,154 |
| Memoranda: | ||
| Average total assets | $92,884,500 | 4,530 |
| Average earning assets | $89,658,250 | 4,430 |
| Average equity | $13,759,750 | 4,008 |
| Average total loans | $44,102,250 | 4,783 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 2,607 |
| Cost of funding earning assets | 0.7227% | 711 |
| Net interest margin | 3.4462% | 3,702 |
| Noninterest income to average assets | 0.1225% | 5,700 |
| Noninterest expense to average assets | 1.4489% | 5,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4608% | 957 |
| Return on assets (ROA) | 1.4639% | 1,000 |
| Pretax return on assets | 1.9992% | 571 |
| Return on Equity (ROE) | 9.9831% | 2,058 |
| Retained earnings to average equity (ytd only) | 9.9831% | 602 |
| Net charge-offs to loans | 0.0318% | 2,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 132.5714% | 452 |
| Efficiency ratio | 42.0724% | 5,862 |
| Assets per employee ($millions) | 7.2035% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 4,198 |
| Loan loss allowance to noncurrent loans | 174.8092% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 4,374 |
| Noncurrent loans to loans | 0.6035% | 3,258 |
| Net loans and leases to total assets | 45.8700% | 5,135 |
| Net loans and leases to deposits | 54.6947% | 5,094 |
| Net loans and leases to core deposits | 58.6705% | 5,044 |
| Total domestic deposits to total assets | 83.8657% | 3,327 |
| Equity capital to assets | 14.9319% | 743 |
| Core capital (leverage) ratio | 14.2444% | 761 |
| Tier 1 risk-based capital ratio | 20.2212% | 1,409 |
| Total risk-based capital ratio | 20.9236% | 1,488 |
| Memoranda: | ||
| Average total assets | $93,038,330 | 4,559 |
| Average earning assets | $89,664,000 | 4,466 |
| Average equity | $13,643,000 | 4,047 |
| Average total loans | $44,027,000 | 4,832 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2309% | 2,369 |
| Cost of funding earning assets | 0.7223% | 723 |
| Net interest margin | 3.5085% | 3,444 |
| Noninterest income to average assets | 0.1208% | 5,736 |
| Noninterest expense to average assets | 1.4018% | 5,960 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.7469% | 517 |
| Return on assets (ROA) | 1.7469% | 553 |
| Pretax return on assets | 2.0920% | 473 |
| Return on Equity (ROE) | 12.0240% | 1,311 |
| Retained earnings to average equity (ytd only) | 12.0240% | 504 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1235% | 5,959 |
| Assets per employee ($millions) | 7.1544% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0441% | 4,366 |
| Loan loss allowance to noncurrent loans | 114.2506% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4376% | 3,835 |
| Noncurrent loans to loans | 0.9139% | 2,566 |
| Net loans and leases to total assets | 47.3825% | 5,016 |
| Net loans and leases to deposits | 56.1603% | 4,974 |
| Net loans and leases to core deposits | 60.0338% | 4,937 |
| Total domestic deposits to total assets | 84.3700% | 3,372 |
| Equity capital to assets | 14.5580% | 822 |
| Core capital (leverage) ratio | 14.0350% | 804 |
| Tier 1 risk-based capital ratio | 17.8714% | 2,021 |
| Total risk-based capital ratio | 18.5152% | 2,160 |
| Memoranda: | ||
| Average total assets | $92,735,000 | 4,603 |
| Average earning assets | $89,154,000 | 4,520 |
| Average equity | $13,473,000 | 4,089 |
| Average total loans | $44,334,000 | 4,858 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 2,688 |
| Cost of funding earning assets | 0.7249% | 717 |
| Net interest margin | 3.4398% | 3,758 |
| Noninterest income to average assets | 0.1196% | 5,806 |
| Noninterest expense to average assets | 1.6019% | 5,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4135% | 1,017 |
| Return on assets (ROA) | 1.4058% | 1,073 |
| Pretax return on assets | 1.8301% | 754 |
| Return on Equity (ROE) | 9.7303% | 2,115 |
| Retained earnings to average equity (ytd only) | 8.1967% | 853 |
| Net charge-offs to loans | 0.0314% | 3,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 127.7692% | 474 |
| Efficiency ratio | 46.5401% | 5,899 |
| Assets per employee ($millions) | 7.1125% | 852 |
| Cash dividends to net income (ytd only)* | 15.7604% | 3,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0536% | 4,292 |
| Loan loss allowance to noncurrent loans | 596.1538% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 5,294 |
| Noncurrent loans to loans | 0.1767% | 4,783 |
| Net loans and leases to total assets | 47.2286% | 5,076 |
| Net loans and leases to deposits | 55.8913% | 5,048 |
| Net loans and leases to core deposits | 60.0468% | 4,981 |
| Total domestic deposits to total assets | 84.5008% | 3,287 |
| Equity capital to assets | 14.4988% | 772 |
| Core capital (leverage) ratio | 14.2325% | 770 |
| Tier 1 risk-based capital ratio | 19.6345% | 1,557 |
| Total risk-based capital ratio | 20.3409% | 1,640 |
| Memoranda: | ||
| Average total assets | $90,270,200 | 4,665 |
| Average earning assets | $87,184,800 | 4,555 |
| Average equity | $13,041,800 | 4,136 |
| Average total loans | $41,385,000 | 4,951 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 2,691 |
| Cost of funding earning assets | 0.7255% | 731 |
| Net interest margin | 3.4420% | 3,786 |
| Noninterest income to average assets | 0.1204% | 5,873 |
| Noninterest expense to average assets | 1.4296% | 6,082 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4211% | 1,059 |
| Return on assets (ROA) | 1.4117% | 1,129 |
| Pretax return on assets | 2.0121% | 588 |
| Return on Equity (ROE) | 9.7804% | 2,186 |
| Retained earnings to average equity (ytd only) | 9.7804% | 674 |
| Net charge-offs to loans | 0.0393% | 3,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 113.5806% | 563 |
| Efficiency ratio | 41.3763% | 6,103 |
| Assets per employee ($millions) | 6.9011% | 905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1761% | 3,785 |
| Loan loss allowance to noncurrent loans | 588.6076% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 5,395 |
| Noncurrent loans to loans | 0.1998% | 4,846 |
| Net loans and leases to total assets | 43.5506% | 5,382 |
| Net loans and leases to deposits | 51.8789% | 5,375 |
| Net loans and leases to core deposits | 54.8311% | 5,368 |
| Total domestic deposits to total assets | 83.9468% | 3,454 |
| Equity capital to assets | 14.9375% | 751 |
| Core capital (leverage) ratio | 14.3615% | 767 |
| Tier 1 risk-based capital ratio | 20.2547% | 1,494 |
| Total risk-based capital ratio | 20.9903% | 1,577 |
| Memoranda: | ||
| Average total assets | $89,722,000 | 4,733 |
| Average earning assets | $86,923,750 | 4,607 |
| Average equity | $12,950,750 | 4,189 |
| Average total loans | $40,697,750 | 5,032 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2018% | 2,538 |
| Cost of funding earning assets | 0.7217% | 751 |
| Net interest margin | 3.4800% | 3,580 |
| Noninterest income to average assets | 0.1271% | 5,915 |
| Noninterest expense to average assets | 1.4310% | 6,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5046% | 888 |
| Return on assets (ROA) | 1.5046% | 934 |
| Pretax return on assets | 2.0708% | 516 |
| Return on Equity (ROE) | 10.5463% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.5463% | 572 |
| Net charge-offs to loans | 0.0584% | 2,556 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 77.4167% | 721 |
| Efficiency ratio | 40.8657% | 6,187 |
| Assets per employee ($millions) | 6.7792% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1727% | 3,958 |
| Loan loss allowance to noncurrent loans | 197.4576% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.2678% | 4,794 |
| Noncurrent loans to loans | 0.5939% | 3,680 |
| Net loans and leases to total assets | 44.5619% | 5,350 |
| Net loans and leases to deposits | 52.9080% | 5,323 |
| Net loans and leases to core deposits | 55.9622% | 5,313 |
| Total domestic deposits to total assets | 84.2254% | 3,476 |
| Equity capital to assets | 14.6671% | 778 |
| Core capital (leverage) ratio | 14.0818% | 816 |
| Tier 1 risk-based capital ratio | 21.5798% | 1,272 |
| Total risk-based capital ratio | 22.3824% | 1,309 |
| Memoranda: | ||
| Average total assets | $89,724,670 | 4,772 |
| Average earning assets | $87,011,330 | 4,653 |
| Average equity | $12,800,670 | 4,241 |
| Average total loans | $41,085,000 | 5,065 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 2,165 |
| Cost of funding earning assets | 0.7162% | 790 |
| Net interest margin | 3.5628% | 3,160 |
| Noninterest income to average assets | 0.1414% | 5,902 |
| Noninterest expense to average assets | 1.3875% | 6,240 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.5775% | 740 |
| Return on assets (ROA) | 1.5775% | 775 |
| Pretax return on assets | 2.2050% | 382 |
| Return on Equity (ROE) | 11.2106% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.2106% | 683 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6224% | 6,291 |
| Assets per employee ($millions) | 6.8987% | 892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1368% | 4,334 |
| Loan loss allowance to noncurrent loans | 119.2020% | 3,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4471% | 4,247 |
| Noncurrent loans to loans | 0.9536% | 2,869 |
| Net loans and leases to total assets | 46.3533% | 5,180 |
| Net loans and leases to deposits | 55.0361% | 5,123 |
| Net loans and leases to core deposits | 58.1559% | 5,115 |
| Total domestic deposits to total assets | 84.2233% | 3,726 |
| Equity capital to assets | 14.4431% | 848 |
| Core capital (leverage) ratio | 13.5321% | 959 |
| Tier 1 risk-based capital ratio | 20.0832% | 1,595 |
| Total risk-based capital ratio | 20.8694% | 1,671 |
| Memoranda: | ||
| Average total assets | $90,522,500 | 4,799 |
| Average earning assets | $87,684,000 | 4,677 |
| Average equity | $12,738,000 | 4,283 |
| Average total loans | $41,758,500 | 5,078 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 3,752 |
| Cost of funding earning assets | 0.7290% | 953 |
| Net interest margin | 3.2650% | 4,703 |
| Noninterest income to average assets | 0.1045% | 6,139 |
| Noninterest expense to average assets | 1.5766% | 6,255 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.3271% | 1,238 |
| Return on assets (ROA) | 1.3271% | 1,289 |
| Pretax return on assets | 1.6833% | 1,019 |
| Return on Equity (ROE) | 9.9428% | 2,150 |
| Retained earnings to average equity (ytd only) | 8.2590% | 931 |
| Net charge-offs to loans | 0.0054% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 749.0000% | 60 |
| Efficiency ratio | 48.3626% | 6,171 |
| Assets per employee ($millions) | 7.6135% | 627 |
| Cash dividends to net income (ytd only)* | 16.9348% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1527% | 4,270 |
| Loan loss allowance to noncurrent loans | 582.9268% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.0898% | 5,667 |
| Noncurrent loans to loans | 0.1977% | 5,115 |
| Net loans and leases to total assets | 44.8655% | 5,415 |
| Net loans and leases to deposits | 52.7705% | 5,427 |
| Net loans and leases to core deposits | 57.0288% | 5,312 |
| Total domestic deposits to total assets | 85.0200% | 3,272 |
| Equity capital to assets | 13.7070% | 1,071 |
| Core capital (leverage) ratio | 13.0318% | 1,123 |
| Tier 1 risk-based capital ratio | 19.7877% | 1,644 |
| Total risk-based capital ratio | 20.5855% | 1,728 |
| Memoranda: | ||
| Average total assets | $88,990,000 | 4,861 |
| Average earning assets | $86,003,000 | 4,736 |
| Average equity | $11,878,000 | 4,381 |
| Average total loans | $36,876,600 | 5,294 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9891% | 3,802 |
| Cost of funding earning assets | 0.7307% | 989 |
| Net interest margin | 3.2584% | 4,769 |
| Noninterest income to average assets | 0.1041% | 6,239 |
| Noninterest expense to average assets | 1.4435% | 6,381 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2097% | 1,651 |
| Return on assets (ROA) | 1.2097% | 1,715 |
| Pretax return on assets | 1.8085% | 878 |
| Return on Equity (ROE) | 9.1263% | 2,613 |
| Retained earnings to average equity (ytd only) | 9.1263% | 947 |
| Net charge-offs to loans | 0.0037% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 1,201.9774% | 54 |
| Efficiency ratio | 44.3878% | 6,349 |
| Assets per employee ($millions) | 7.4223% | 661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3244% | 3,525 |
| Loan loss allowance to noncurrent loans | 399.1667% | 1,189 |
| Noncurrent assets plus other real estate owned to assets | 0.1347% | 5,640 |
| Noncurrent loans to loans | 0.3318% | 4,908 |
| Net loans and leases to total assets | 40.0676% | 5,808 |
| Net loans and leases to deposits | 47.2738% | 5,807 |
| Net loans and leases to core deposits | 49.9573% | 5,793 |
| Total domestic deposits to total assets | 84.7564% | 3,440 |
| Equity capital to assets | 13.8581% | 1,052 |
| Core capital (leverage) ratio | 12.9506% | 1,201 |
| Tier 1 risk-based capital ratio | 20.8118% | 1,489 |
| Total risk-based capital ratio | 21.6639% | 1,537 |
| Memoranda: | ||
| Average total assets | $88,397,000 | 4,932 |
| Average earning assets | $85,396,750 | 4,806 |
| Average equity | $11,716,750 | 4,444 |
| Average total loans | $35,728,750 | 5,389 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0130% | 3,683 |
| Cost of funding earning assets | 0.7264% | 1,043 |
| Net interest margin | 3.2865% | 4,639 |
| Noninterest income to average assets | 0.1043% | 6,273 |
| Noninterest expense to average assets | 1.4608% | 6,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3473% | 1,190 |
| Return on assets (ROA) | 1.3473% | 1,234 |
| Pretax return on assets | 1.8146% | 821 |
| Return on Equity (ROE) | 10.3233% | 2,001 |
| Retained earnings to average equity (ytd only) | 10.3233% | 645 |
| Net charge-offs to loans | -0.0056% | 5,196 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5983% | 6,405 |
| Assets per employee ($millions) | 7.4518% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 3,570 |
| Loan loss allowance to noncurrent loans | 1,202.5000% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 6,059 |
| Noncurrent loans to loans | 0.1126% | 5,677 |
| Net loans and leases to total assets | 39.1939% | 5,882 |
| Net loans and leases to deposits | 46.0455% | 5,883 |
| Net loans and leases to core deposits | 48.4651% | 5,882 |
| Total domestic deposits to total assets | 85.1200% | 3,446 |
| Equity capital to assets | 13.5392% | 1,144 |
| Core capital (leverage) ratio | 13.0558% | 1,135 |
| Tier 1 risk-based capital ratio | 20.5413% | 1,557 |
| Total risk-based capital ratio | 21.4030% | 1,617 |
| Memoranda: | ||
| Average total assets | $88,173,670 | 4,971 |
| Average earning assets | $85,074,330 | 4,847 |
| Average equity | $11,508,000 | 4,495 |
| Average total loans | $35,583,000 | 5,436 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0152% | 3,621 |
| Cost of funding earning assets | 0.7270% | 1,095 |
| Net interest margin | 3.2882% | 4,594 |
| Noninterest income to average assets | 0.1005% | 6,333 |
| Noninterest expense to average assets | 1.4529% | 6,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4346% | 926 |
| Return on assets (ROA) | 1.4346% | 963 |
| Pretax return on assets | 1.8093% | 789 |
| Return on Equity (ROE) | 11.2058% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.2058% | 718 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5378% | 6,476 |
| Assets per employee ($millions) | 7.5016% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 3,606 |
| Loan loss allowance to noncurrent loans | 705.8824% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 6,023 |
| Noncurrent loans to loans | 0.1981% | 5,496 |
| Net loans and leases to total assets | 37.5954% | 5,971 |
| Net loans and leases to deposits | 43.7017% | 5,990 |
| Net loans and leases to core deposits | 46.5894% | 5,957 |
| Total domestic deposits to total assets | 86.0274% | 3,352 |
| Equity capital to assets | 12.8484% | 1,384 |
| Core capital (leverage) ratio | 12.9059% | 1,203 |
| Tier 1 risk-based capital ratio | 20.0714% | 1,700 |
| Total risk-based capital ratio | 20.9326% | 1,767 |
| Memoranda: | ||
| Average total assets | $87,549,500 | 5,030 |
| Average earning assets | $84,180,000 | 4,912 |
| Average equity | $11,208,500 | 4,569 |
| Average total loans | $35,610,000 | 5,479 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1485% | 3,544 |
| Cost of funding earning assets | 0.7287% | 1,632 |
| Net interest margin | 3.4198% | 4,203 |
| Noninterest income to average assets | 0.1090% | 6,357 |
| Noninterest expense to average assets | 1.6823% | 6,464 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3863% | 1,053 |
| Return on assets (ROA) | 1.3677% | 1,140 |
| Pretax return on assets | 1.7019% | 949 |
| Return on Equity (ROE) | 10.1656% | 2,047 |
| Retained earnings to average equity (ytd only) | 8.8005% | 819 |
| Net charge-offs to loans | -0.0061% | 5,949 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3712% | 6,425 |
| Assets per employee ($millions) | 7.0900% | 726 |
| Cash dividends to net income (ytd only)* | 13.4288% | 3,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 4,141 |
| Loan loss allowance to noncurrent loans | 857.1429% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.0658% | 6,157 |
| Noncurrent loans to loans | 0.1518% | 5,741 |
| Net loans and leases to total assets | 42.8032% | 5,767 |
| Net loans and leases to deposits | 50.3025% | 5,745 |
| Net loans and leases to core deposits | 54.6835% | 5,634 |
| Total domestic deposits to total assets | 85.0917% | 3,695 |
| Equity capital to assets | 12.7539% | 1,393 |
| Core capital (leverage) ratio | 12.9972% | 1,142 |
| Tier 1 risk-based capital ratio | 19.0924% | 1,891 |
| Total risk-based capital ratio | 19.9354% | 1,981 |
| Memoranda: | ||
| Average total assets | $81,672,800 | 5,206 |
| Average earning assets | $78,775,800 | 5,065 |
| Average equity | $10,988,000 | 4,638 |
| Average total loans | $32,875,400 | 5,627 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1207% | 3,678 |
| Cost of funding earning assets | 0.7249% | 1,778 |
| Net interest margin | 3.3958% | 4,308 |
| Noninterest income to average assets | 0.1089% | 6,459 |
| Noninterest expense to average assets | 1.5474% | 6,601 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4616% | 963 |
| Return on assets (ROA) | 1.4616% | 1,013 |
| Pretax return on assets | 1.8460% | 815 |
| Return on Equity (ROE) | 10.7174% | 1,920 |
| Retained earnings to average equity (ytd only) | 10.7174% | 635 |
| Net charge-offs to loans | -0.0084% | 5,857 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6004% | 6,607 |
| Assets per employee ($millions) | 6.8441% | 804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 3,572 |
| Loan loss allowance to noncurrent loans | 372.0930% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.1571% | 5,965 |
| Noncurrent loans to loans | 0.3960% | 5,205 |
| Net loans and leases to total assets | 39.0788% | 6,100 |
| Net loans and leases to deposits | 45.7611% | 6,122 |
| Net loans and leases to core deposits | 49.8865% | 6,024 |
| Total domestic deposits to total assets | 85.3974% | 3,544 |
| Equity capital to assets | 13.4118% | 1,158 |
| Core capital (leverage) ratio | 13.5370% | 1,010 |
| Tier 1 risk-based capital ratio | 20.4460% | 1,610 |
| Total risk-based capital ratio | 21.3555% | 1,682 |
| Memoranda: | ||
| Average total assets | $80,821,000 | 5,266 |
| Average earning assets | $78,173,250 | 5,130 |
| Average equity | $11,022,250 | 4,681 |
| Average total loans | $31,870,000 | 5,730 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0896% | 3,779 |
| Cost of funding earning assets | 0.7197% | 1,922 |
| Net interest margin | 3.3699% | 4,304 |
| Noninterest income to average assets | 0.0995% | 6,530 |
| Noninterest expense to average assets | 1.5401% | 6,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4406% | 1,001 |
| Return on assets (ROA) | 1.4406% | 1,080 |
| Pretax return on assets | 1.8212% | 892 |
| Return on Equity (ROE) | 10.5037% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.5037% | 745 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8179% | 6,646 |
| Assets per employee ($millions) | 6.5659% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 3,441 |
| Loan loss allowance to noncurrent loans | 810.1695% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 6,278 |
| Noncurrent loans to loans | 0.1890% | 5,843 |
| Net loans and leases to total assets | 39.0222% | 6,109 |
| Net loans and leases to deposits | 45.8916% | 6,112 |
| Net loans and leases to core deposits | 48.6510% | 6,098 |
| Total domestic deposits to total assets | 85.0313% | 3,871 |
| Equity capital to assets | 13.7325% | 1,040 |
| Core capital (leverage) ratio | 12.9791% | 1,171 |
| Tier 1 risk-based capital ratio | 20.6980% | 1,571 |
| Total risk-based capital ratio | 21.6416% | 1,609 |
| Memoranda: | ||
| Average total assets | $80,385,000 | 5,307 |
| Average earning assets | $77,807,000 | 5,175 |
| Average equity | $11,024,670 | 4,712 |
| Average total loans | $31,635,000 | 5,769 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0820% | 3,793 |
| Cost of funding earning assets | 0.7092% | 2,130 |
| Net interest margin | 3.3728% | 4,222 |
| Noninterest income to average assets | 0.0887% | 6,617 |
| Noninterest expense to average assets | 1.5127% | 6,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2909% | 1,302 |
| Return on assets (ROA) | 1.2909% | 1,402 |
| Pretax return on assets | 1.8329% | 833 |
| Return on Equity (ROE) | 9.4185% | 2,309 |
| Retained earnings to average equity (ytd only) | 9.4185% | 1,268 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2135% | 6,724 |
| Assets per employee ($millions) | 6.8295% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 3,653 |
| Loan loss allowance to noncurrent loans | 119.7995% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.4869% | 5,164 |
| Noncurrent loans to loans | 1.2867% | 3,627 |
| Net loans and leases to total assets | 37.2538% | 6,200 |
| Net loans and leases to deposits | 44.1136% | 6,197 |
| Net loans and leases to core deposits | 46.6763% | 6,173 |
| Total domestic deposits to total assets | 84.4498% | 4,291 |
| Equity capital to assets | 13.7077% | 1,132 |
| Core capital (leverage) ratio | 12.6932% | 1,254 |
| Tier 1 risk-based capital ratio | 20.1147% | 1,739 |
| Total risk-based capital ratio | 21.0603% | 1,790 |
| Memoranda: | ||
| Average total assets | $81,182,000 | 5,334 |
| Average earning assets | $78,393,000 | 5,197 |
| Average equity | $11,127,000 | 4,749 |
| Average total loans | $31,840,500 | 5,798 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 3,960 |
| Cost of funding earning assets | 0.8236% | 2,478 |
| Net interest margin | 3.5417% | 4,333 |
| Noninterest income to average assets | 0.0988% | 6,512 |
| Noninterest expense to average assets | 1.8382% | 6,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3588% | 1,183 |
| Return on assets (ROA) | 1.4534% | 1,114 |
| Pretax return on assets | 1.7920% | 933 |
| Return on Equity (ROE) | 10.7595% | 1,885 |
| Retained earnings to average equity (ytd only) | 9.3351% | 739 |
| Net charge-offs to loans | -0.2303% | 6,948 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3184% | 6,439 |
| Assets per employee ($millions) | 6.7008% | 897 |
| Cash dividends to net income (ytd only)* | 13.2392% | 3,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4630% | 3,887 |
| Loan loss allowance to noncurrent loans | 746.8750% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0796% | 6,403 |
| Noncurrent loans to loans | 0.1959% | 5,977 |
| Net loans and leases to total assets | 40.0373% | 6,164 |
| Net loans and leases to deposits | 47.4649% | 6,146 |
| Net loans and leases to core deposits | 50.2819% | 6,130 |
| Total domestic deposits to total assets | 84.3514% | 4,156 |
| Equity capital to assets | 13.7048% | 1,151 |
| Core capital (leverage) ratio | 12.0533% | 1,541 |
| Tier 1 risk-based capital ratio | 19.3151% | 1,864 |
| Total risk-based capital ratio | 20.2473% | 1,930 |
| Memoranda: | ||
| Average total assets | $77,956,200 | 5,412 |
| Average earning assets | $75,161,800 | 5,269 |
| Average equity | $10,530,200 | 4,862 |
| Average total loans | $32,128,200 | 5,847 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 4,081 |
| Cost of funding earning assets | 0.8490% | 2,547 |
| Net interest margin | 3.5442% | 4,470 |
| Noninterest income to average assets | 0.1017% | 6,610 |
| Noninterest expense to average assets | 1.5584% | 6,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5813% | 888 |
| Return on assets (ROA) | 1.7084% | 750 |
| Pretax return on assets | 2.1187% | 549 |
| Return on Equity (ROE) | 12.6953% | 1,415 |
| Retained earnings to average equity (ytd only) | 12.6953% | 420 |
| Net charge-offs to loans | -0.0417% | 6,660 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2703% | 6,891 |
| Assets per employee ($millions) | 6.7247% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 4,480 |
| Loan loss allowance to noncurrent loans | 487.0588% | 787 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 6,461 |
| Noncurrent loans to loans | 0.2822% | 5,927 |
| Net loans and leases to total assets | 36.8098% | 6,495 |
| Net loans and leases to deposits | 43.7061% | 6,523 |
| Net loans and leases to core deposits | 46.2946% | 6,500 |
| Total domestic deposits to total assets | 84.2210% | 4,121 |
| Equity capital to assets | 13.7417% | 1,256 |
| Core capital (leverage) ratio | 12.4684% | 1,424 |
| Tier 1 risk-based capital ratio | 20.3152% | 1,680 |
| Total risk-based capital ratio | 21.1636% | 1,762 |
| Memoranda: | ||
| Average total assets | $77,342,750 | 5,480 |
| Average earning assets | $74,599,500 | 5,343 |
| Average equity | $10,407,750 | 4,938 |
| Average total loans | $31,992,250 | 5,926 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4820% | 3,845 |
| Cost of funding earning assets | 0.8926% | 2,459 |
| Net interest margin | 3.5894% | 4,306 |
| Noninterest income to average assets | 0.1050% | 6,653 |
| Noninterest expense to average assets | 1.6005% | 6,923 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5322% | 943 |
| Return on assets (ROA) | 1.6714% | 802 |
| Pretax return on assets | 2.1437% | 531 |
| Return on Equity (ROE) | 12.5139% | 1,501 |
| Retained earnings to average equity (ytd only) | 12.5139% | 506 |
| Net charge-offs to loans | -0.0552% | 6,690 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8859% | 6,922 |
| Assets per employee ($millions) | 6.5194% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 4,645 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 6,785 |
| Noncurrent loans to loans | 0.0459% | 6,565 |
| Net loans and leases to total assets | 38.4403% | 6,444 |
| Net loans and leases to deposits | 45.4646% | 6,478 |
| Net loans and leases to core deposits | 48.2357% | 6,446 |
| Total domestic deposits to total assets | 84.5500% | 4,080 |
| Equity capital to assets | 13.5301% | 1,291 |
| Core capital (leverage) ratio | 12.1395% | 1,526 |
| Tier 1 risk-based capital ratio | 19.7913% | 1,760 |
| Total risk-based capital ratio | 20.6465% | 1,845 |
| Memoranda: | ||
| Average total assets | $76,225,000 | 5,542 |
| Average earning assets | $73,493,670 | 5,416 |
| Average equity | $10,180,670 | 4,989 |
| Average total loans | $32,617,000 | 5,926 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5453% | 3,738 |
| Cost of funding earning assets | 0.9135% | 2,582 |
| Net interest margin | 3.6318% | 4,120 |
| Noninterest income to average assets | 0.1064% | 6,710 |
| Noninterest expense to average assets | 1.5900% | 6,987 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5845% | 885 |
| Return on assets (ROA) | 1.8665% | 595 |
| Pretax return on assets | 2.3876% | 400 |
| Return on Equity (ROE) | 14.0703% | 1,170 |
| Retained earnings to average equity (ytd only) | 14.0703% | 556 |
| Net charge-offs to loans | -0.1069% | 6,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9706% | 6,993 |
| Assets per employee ($millions) | 6.4587% | 1,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 5,044 |
| Loan loss allowance to noncurrent loans | 53.7061% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 0.9922% | 4,517 |
| Noncurrent loans to loans | 2.4119% | 2,695 |
| Net loans and leases to total assets | 40.6056% | 6,298 |
| Net loans and leases to deposits | 47.7202% | 6,304 |
| Net loans and leases to core deposits | 50.2338% | 6,322 |
| Total domestic deposits to total assets | 85.0911% | 3,991 |
| Equity capital to assets | 13.1271% | 1,387 |
| Core capital (leverage) ratio | 12.3493% | 1,410 |
| Tier 1 risk-based capital ratio | 18.9892% | 1,988 |
| Total risk-based capital ratio | 19.8349% | 2,082 |
| Memoranda: | ||
| Average total assets | $75,221,000 | 5,610 |
| Average earning assets | $72,690,500 | 5,476 |
| Average equity | $9,978,500 | 5,049 |
| Average total loans | $33,682,500 | 5,927 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 3,608 |
| Cost of funding earning assets | 1.0559% | 2,979 |
| Net interest margin | 3.7877% | 3,889 |
| Noninterest income to average assets | 0.1333% | 6,490 |
| Noninterest expense to average assets | 1.9725% | 6,722 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5130% | 801 |
| Return on assets (ROA) | 1.4995% | 902 |
| Pretax return on assets | 1.7953% | 806 |
| Return on Equity (ROE) | 11.6964% | 1,500 |
| Retained earnings to average equity (ytd only) | 9.9831% | 573 |
| Net charge-offs to loans | 0.0806% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 47.5769% | 581 |
| Efficiency ratio | 52.1285% | 6,689 |
| Assets per employee ($millions) | 6.0782% | 1,175 |
| Cash dividends to net income (ytd only)* | 14.6484% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,671 |
| Loan loss allowance to noncurrent loans | 197.0732% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 6,258 |
| Noncurrent loans to loans | 0.5778% | 5,555 |
| Net loans and leases to total assets | 48.0915% | 5,816 |
| Net loans and leases to deposits | 56.6608% | 5,826 |
| Net loans and leases to core deposits | 59.8512% | 5,861 |
| Total domestic deposits to total assets | 84.8762% | 3,912 |
| Equity capital to assets | 13.4128% | 1,313 |
| Core capital (leverage) ratio | 12.5279% | 1,339 |
| Tier 1 risk-based capital ratio | 17.6834% | 2,306 |
| Total risk-based capital ratio | 18.4842% | 2,465 |
| Memoranda: | ||
| Average total assets | $68,290,600 | 5,801 |
| Average earning assets | $65,818,400 | 5,673 |
| Average equity | $8,754,800 | 5,347 |
| Average total loans | $32,263,600 | 6,058 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 3,768 |
| Cost of funding earning assets | 1.0890% | 3,051 |
| Net interest margin | 3.7641% | 4,041 |
| Noninterest income to average assets | 0.1390% | 6,555 |
| Noninterest expense to average assets | 1.8193% | 6,967 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5488% | 853 |
| Return on assets (ROA) | 1.5313% | 952 |
| Pretax return on assets | 1.9226% | 740 |
| Return on Equity (ROE) | 12.0970% | 1,527 |
| Retained earnings to average equity (ytd only) | 12.0970% | 490 |
| Net charge-offs to loans | 0.0254% | 5,786 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 163.1625% | 239 |
| Efficiency ratio | 48.3377% | 6,940 |
| Assets per employee ($millions) | 5.6837% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 4,739 |
| Loan loss allowance to noncurrent loans | 544.8718% | 611 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 6,768 |
| Noncurrent loans to loans | 0.2492% | 6,374 |
| Net loans and leases to total assets | 45.2701% | 6,214 |
| Net loans and leases to deposits | 53.8745% | 6,223 |
| Net loans and leases to core deposits | 56.5650% | 6,268 |
| Total domestic deposits to total assets | 84.0288% | 4,217 |
| Equity capital to assets | 14.1003% | 1,123 |
| Core capital (leverage) ratio | 13.1359% | 1,176 |
| Tier 1 risk-based capital ratio | 19.3032% | 1,855 |
| Total risk-based capital ratio | 20.2333% | 1,919 |
| Memoranda: | ||
| Average total assets | $67,128,750 | 5,868 |
| Average earning assets | $64,643,750 | 5,754 |
| Average equity | $8,497,750 | 5,433 |
| Average total loans | $31,459,250 | 6,170 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 3,854 |
| Cost of funding earning assets | 1.1120% | 3,155 |
| Net interest margin | 3.7411% | 4,077 |
| Noninterest income to average assets | 0.1258% | 6,698 |
| Noninterest expense to average assets | 1.8541% | 7,008 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5201% | 847 |
| Return on assets (ROA) | 1.5007% | 949 |
| Pretax return on assets | 1.8451% | 802 |
| Return on Equity (ROE) | 12.3328% | 1,401 |
| Retained earnings to average equity (ytd only) | 12.3328% | 479 |
| Net charge-offs to loans | 0.0381% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 104.0000% | 352 |
| Efficiency ratio | 49.7989% | 6,950 |
| Assets per employee ($millions) | 5.6852% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3304% | 4,924 |
| Loan loss allowance to noncurrent loans | 76.8116% | 3,670 |
| Noncurrent assets plus other real estate owned to assets | 0.8091% | 5,264 |
| Noncurrent loans to loans | 1.7321% | 3,842 |
| Net loans and leases to total assets | 46.0922% | 6,262 |
| Net loans and leases to deposits | 53.7678% | 6,323 |
| Net loans and leases to core deposits | 56.4715% | 6,381 |
| Total domestic deposits to total assets | 85.7245% | 3,482 |
| Equity capital to assets | 12.6982% | 1,678 |
| Core capital (leverage) ratio | 12.1778% | 1,514 |
| Tier 1 risk-based capital ratio | 17.6474% | 2,291 |
| Total risk-based capital ratio | 18.5678% | 2,379 |
| Memoranda: | ||
| Average total assets | $66,770,330 | 5,934 |
| Average earning assets | $64,206,000 | 5,817 |
| Average equity | $8,124,670 | 5,572 |
| Average total loans | $31,512,000 | 6,224 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7218% | 4,415 |
| Cost of funding earning assets | 1.1347% | 3,264 |
| Net interest margin | 3.5870% | 4,630 |
| Noninterest income to average assets | 0.0969% | 6,930 |
| Noninterest expense to average assets | 1.8472% | 7,078 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1595% | 1,629 |
| Return on assets (ROA) | 1.1265% | 1,793 |
| Pretax return on assets | 1.6474% | 1,087 |
| Return on Equity (ROE) | 9.4711% | 2,289 |
| Retained earnings to average equity (ytd only) | 9.4711% | 1,242 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1368% | 6,845 |
| Assets per employee ($millions) | 5.4893% | 1,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 4,611 |
| Loan loss allowance to noncurrent loans | 90.1468% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7241% | 5,481 |
| Noncurrent loans to loans | 1.5642% | 4,129 |
| Net loans and leases to total assets | 45.6407% | 6,319 |
| Net loans and leases to deposits | 52.7670% | 6,414 |
| Net loans and leases to core deposits | 53.9991% | 6,557 |
| Total domestic deposits to total assets | 86.4948% | 3,236 |
| Equity capital to assets | 12.1662% | 1,816 |
| Core capital (leverage) ratio | 11.7953% | 1,681 |
| Tier 1 risk-based capital ratio | 17.6699% | 2,223 |
| Total risk-based capital ratio | 18.6423% | 2,311 |
| Memoranda: | ||
| Average total assets | $66,044,500 | 5,992 |
| Average earning assets | $63,451,000 | 5,881 |
| Average equity | $7,855,500 | 5,660 |
| Average total loans | $31,333,500 | 6,276 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0972% | 4,109 |
| Cost of funding earning assets | 1.3922% | 3,323 |
| Net interest margin | 3.7051% | 4,320 |
| Noninterest income to average assets | 0.1477% | 6,653 |
| Noninterest expense to average assets | 2.1778% | 6,675 |
| Loan and lease loss provision to assets | 0.0487% | 6,667 |
| Net operating income to assets | 1.2184% | 1,372 |
| Return on assets (ROA) | 1.3437% | 1,143 |
| Pretax return on assets | 1.6179% | 1,089 |
| Return on Equity (ROE) | 10.8753% | 1,625 |
| Retained earnings to average equity (ytd only) | 8.9051% | 730 |
| Net charge-offs to loans | -0.0231% | 7,378 |
| Credit loss provision to net charge-offs | -428.5714% | 7,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9631% | 6,204 |
| Assets per employee ($millions) | 5.0937% | 2,021 |
| Cash dividends to net income (ytd only)* | 18.1159% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3365% | 4,818 |
| Loan loss allowance to noncurrent loans | 2,687.5000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0242% | 7,181 |
| Noncurrent loans to loans | 0.0497% | 7,005 |
| Net loans and leases to total assets | 47.9371% | 6,397 |
| Net loans and leases to deposits | 55.0196% | 6,517 |
| Net loans and leases to core deposits | 56.5889% | 6,662 |
| Total domestic deposits to total assets | 87.1274% | 2,753 |
| Equity capital to assets | 11.6237% | 2,175 |
| Core capital (leverage) ratio | 11.3949% | 1,892 |
| Tier 1 risk-based capital ratio | 17.0569% | 2,329 |
| Total risk-based capital ratio | 18.0184% | 2,402 |
| Memoranda: | ||
| Average total assets | $61,621,400 | 6,145 |
| Average earning assets | $58,973,200 | 6,027 |
| Average equity | $7,613,600 | 5,836 |
| Average total loans | $30,336,800 | 6,376 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1727% | 3,972 |
| Cost of funding earning assets | 1.4273% | 3,409 |
| Net interest margin | 3.7454% | 4,206 |
| Noninterest income to average assets | 0.1433% | 6,832 |
| Noninterest expense to average assets | 1.9954% | 7,055 |
| Loan and lease loss provision to assets | 0.0661% | 6,401 |
| Net operating income to assets | 1.3809% | 1,146 |
| Return on assets (ROA) | 1.4596% | 1,077 |
| Pretax return on assets | 1.7639% | 986 |
| Return on Equity (ROE) | 11.6248% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.6248% | 508 |
| Net charge-offs to loans | -0.0089% | 7,259 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4870% | 6,830 |
| Assets per employee ($millions) | 5.3283% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3837% | 4,554 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 7,291 |
| Noncurrent loans to loans | 0.0553% | 7,106 |
| Net loans and leases to total assets | 47.3717% | 6,573 |
| Net loans and leases to deposits | 55.5028% | 6,647 |
| Net loans and leases to core deposits | 56.8573% | 6,797 |
| Total domestic deposits to total assets | 85.3501% | 3,435 |
| Equity capital to assets | 12.7888% | 1,688 |
| Core capital (leverage) ratio | 12.1457% | 1,587 |
| Tier 1 risk-based capital ratio | 18.2926% | 1,936 |
| Total risk-based capital ratio | 19.3141% | 1,970 |
| Memoranda: | ||
| Average total assets | $60,472,250 | 6,252 |
| Average earning assets | $57,918,000 | 6,129 |
| Average equity | $7,592,750 | 5,914 |
| Average total loans | $29,877,750 | 6,487 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2797% | 3,562 |
| Cost of funding earning assets | 1.4482% | 3,564 |
| Net interest margin | 3.8315% | 3,756 |
| Noninterest income to average assets | 0.1517% | 6,803 |
| Noninterest expense to average assets | 2.0264% | 7,061 |
| Loan and lease loss provision to assets | 0.1012% | 5,901 |
| Net operating income to assets | 1.3602% | 1,171 |
| Return on assets (ROA) | 1.3925% | 1,174 |
| Pretax return on assets | 1.7398% | 983 |
| Return on Equity (ROE) | 11.1652% | 1,696 |
| Retained earnings to average equity (ytd only) | 11.1652% | 617 |
| Net charge-offs to loans | -0.0068% | 7,147 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9515% | 6,984 |
| Assets per employee ($millions) | 5.0268% | 2,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3802% | 4,524 |
| Loan loss allowance to noncurrent loans | 8,480.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 7,396 |
| Noncurrent loans to loans | 0.0163% | 7,292 |
| Net loans and leases to total assets | 50.2238% | 6,409 |
| Net loans and leases to deposits | 58.6870% | 6,523 |
| Net loans and leases to core deposits | 59.8463% | 6,725 |
| Total domestic deposits to total assets | 85.5791% | 3,329 |
| Equity capital to assets | 12.7797% | 1,657 |
| Core capital (leverage) ratio | 12.2650% | 1,510 |
| Tier 1 risk-based capital ratio | 17.9661% | 1,969 |
| Total risk-based capital ratio | 19.0001% | 1,988 |
| Memoranda: | ||
| Average total assets | $59,316,670 | 6,336 |
| Average earning assets | $56,896,670 | 6,207 |
| Average equity | $7,398,000 | 5,996 |
| Average total loans | $29,599,000 | 6,550 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2455% | 3,805 |
| Cost of funding earning assets | 1.4492% | 3,884 |
| Net interest margin | 3.7963% | 3,812 |
| Noninterest income to average assets | 0.1564% | 6,851 |
| Noninterest expense to average assets | 2.1628% | 6,776 |
| Loan and lease loss provision to assets | 0.2040% | 4,460 |
| Net operating income to assets | 1.2106% | 1,515 |
| Return on assets (ROA) | 1.2106% | 1,585 |
| Pretax return on assets | 1.4418% | 1,663 |
| Return on Equity (ROE) | 9.8309% | 2,162 |
| Retained earnings to average equity (ytd only) | 9.8309% | 1,180 |
| Net charge-offs to loans | -0.0138% | 6,979 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,569 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7857% | 6,654 |
| Assets per employee ($millions) | 4.9658% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 4,226 |
| Loan loss allowance to noncurrent loans | 173.0612% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 6,447 |
| Noncurrent loans to loans | 0.8303% | 5,653 |
| Net loans and leases to total assets | 48.8043% | 6,591 |
| Net loans and leases to deposits | 56.6735% | 6,723 |
| Net loans and leases to core deposits | 58.4974% | 6,848 |
| Total domestic deposits to total assets | 86.1149% | 3,088 |
| Equity capital to assets | 12.3177% | 1,861 |
| Core capital (leverage) ratio | 11.8716% | 1,712 |
| Tier 1 risk-based capital ratio | 17.9780% | 1,948 |
| Total risk-based capital ratio | 19.0475% | 1,965 |
| Memoranda: | ||
| Average total assets | $58,814,000 | 6,438 |
| Average earning assets | $56,581,500 | 6,296 |
| Average equity | $7,242,500 | 6,100 |
| Average total loans | $29,038,500 | 6,656 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6402% | 3,396 |
| Cost of funding earning assets | 1.6397% | 4,846 |
| Net interest margin | 4.0005% | 2,861 |
| Noninterest income to average assets | 0.1831% | 6,778 |
| Noninterest expense to average assets | 2.6208% | 5,711 |
| Loan and lease loss provision to assets | 0.2198% | 5,607 |
| Net operating income to assets | 1.0103% | 1,800 |
| Return on assets (ROA) | 0.9963% | 1,903 |
| Pretax return on assets | 1.1776% | 2,012 |
| Return on Equity (ROE) | 7.9384% | 2,396 |
| Retained earnings to average equity (ytd only) | 5.7495% | 1,447 |
| Net charge-offs to loans | 0.2764% | 4,899 |
| Credit loss provision to net charge-offs | 162.1622% | 2,723 |
| Earnings coverage of net charge-offs (x) | 10.4324% | 1,690 |
| Efficiency ratio | 64.9569% | 5,592 |
| Assets per employee ($millions) | 4.4645% | 2,988 |
| Cash dividends to net income (ytd only)* | 27.5735% | 3,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 4,347 |
| Loan loss allowance to noncurrent loans | 206.2827% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 6,619 |
| Noncurrent loans to loans | 0.6685% | 5,900 |
| Net loans and leases to total assets | 48.5484% | 6,768 |
| Net loans and leases to deposits | 55.8126% | 6,931 |
| Net loans and leases to core deposits | 65.0228% | 7,031 |
| Total domestic deposits to total assets | 86.9846% | 2,518 |
| Equity capital to assets | 12.3107% | 1,848 |
| Core capital (leverage) ratio | 11.9674% | 1,676 |
| Tier 1 risk-based capital ratio | 18.0675% | 1,876 |
| Total risk-based capital ratio | 19.0914% | 1,888 |
| Memoranda: | ||
| Average total assets | $54,602,600 | 6,539 |
| Average earning assets | $52,569,000 | 6,432 |
| Average equity | $6,852,800 | 6,320 |
| Average total loans | $26,769,200 | 6,817 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7793% | 2,988 |
| Cost of funding earning assets | 1.6836% | 4,981 |
| Net interest margin | 4.0957% | 2,418 |
| Noninterest income to average assets | 0.1861% | 6,885 |
| Noninterest expense to average assets | 2.3767% | 6,487 |
| Loan and lease loss provision to assets | 0.2233% | 5,185 |
| Net operating income to assets | 1.2241% | 1,405 |
| Return on assets (ROA) | 1.1982% | 1,528 |
| Pretax return on assets | 1.5009% | 1,416 |
| Return on Equity (ROE) | 9.4986% | 2,097 |
| Retained earnings to average equity (ytd only) | 9.4986% | 732 |
| Net charge-offs to loans | 0.3749% | 3,777 |
| Credit loss provision to net charge-offs | 121.6216% | 4,172 |
| Earnings coverage of net charge-offs (x) | 9.5680% | 2,087 |
| Efficiency ratio | 57.5030% | 6,788 |
| Assets per employee ($millions) | 4.3044% | 3,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3544% | 4,176 |
| Loan loss allowance to noncurrent loans | 6,066.6667% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 7,569 |
| Noncurrent loans to loans | 0.0223% | 7,467 |
| Net loans and leases to total assets | 47.3792% | 7,005 |
| Net loans and leases to deposits | 55.3567% | 7,130 |
| Net loans and leases to core deposits | 63.8782% | 7,252 |
| Total domestic deposits to total assets | 85.5889% | 2,924 |
| Equity capital to assets | 13.2763% | 1,587 |
| Core capital (leverage) ratio | 12.4756% | 1,592 |
| Tier 1 risk-based capital ratio | 19.0891% | 1,731 |
| Total risk-based capital ratio | 20.0759% | 1,747 |
| Memoranda: | ||
| Average total assets | $53,743,500 | 6,612 |
| Average earning assets | $51,792,500 | 6,508 |
| Average equity | $6,779,750 | 6,396 |
| Average total loans | $26,318,750 | 6,895 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9610% | 2,342 |
| Cost of funding earning assets | 1.7367% | 5,081 |
| Net interest margin | 4.2244% | 1,899 |
| Noninterest income to average assets | 0.1849% | 6,972 |
| Noninterest expense to average assets | 2.4224% | 6,393 |
| Loan and lease loss provision to assets | 0.2264% | 4,763 |
| Net operating income to assets | 1.2882% | 1,258 |
| Return on assets (ROA) | 1.2489% | 1,433 |
| Pretax return on assets | 1.5621% | 1,299 |
| Return on Equity (ROE) | 10.0863% | 1,993 |
| Retained earnings to average equity (ytd only) | 10.0863% | 716 |
| Net charge-offs to loans | 0.5663% | 2,630 |
| Credit loss provision to net charge-offs | 81.0811% | 5,163 |
| Earnings coverage of net charge-offs (x) | 6.5811% | 2,592 |
| Efficiency ratio | 56.8645% | 7,009 |
| Assets per employee ($millions) | 4.2599% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 4,686 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 47.9785% | 7,035 |
| Net loans and leases to deposits | 55.0788% | 7,212 |
| Net loans and leases to core deposits | 62.7954% | 7,348 |
| Total domestic deposits to total assets | 87.1088% | 2,192 |
| Equity capital to assets | 12.3169% | 2,020 |
| Core capital (leverage) ratio | 12.3485% | 1,672 |
| Tier 1 risk-based capital ratio | 18.7486% | 1,829 |
| Total risk-based capital ratio | 19.6549% | 1,854 |
| Memoranda: | ||
| Average total assets | $53,005,670 | 6,698 |
| Average earning assets | $51,132,000 | 6,589 |
| Average equity | $6,563,330 | 6,510 |
| Average total loans | $26,133,000 | 6,957 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8818% | 2,887 |
| Cost of funding earning assets | 1.7605% | 5,308 |
| Net interest margin | 4.1213% | 2,209 |
| Noninterest income to average assets | 0.1853% | 6,968 |
| Noninterest expense to average assets | 2.4238% | 6,118 |
| Loan and lease loss provision to assets | 0.2316% | 4,135 |
| Net operating income to assets | 1.2196% | 1,603 |
| Return on assets (ROA) | 1.2196% | 1,706 |
| Pretax return on assets | 1.5052% | 1,657 |
| Return on Equity (ROE) | 9.8221% | 2,387 |
| Retained earnings to average equity (ytd only) | 9.8221% | 1,238 |
| Net charge-offs to loans | 1.4292% | 1,002 |
| Credit loss provision to net charge-offs | 32.6087% | 4,917 |
| Earnings coverage of net charge-offs (x) | 2.4457% | 3,513 |
| Efficiency ratio | 58.2560% | 6,658 |
| Assets per employee ($millions) | 4.0434% | 3,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 5,577 |
| Loan loss allowance to noncurrent loans | 351.8519% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.1541% | 7,098 |
| Noncurrent loans to loans | 0.3085% | 6,662 |
| Net loans and leases to total assets | 49.4121% | 6,908 |
| Net loans and leases to deposits | 56.5898% | 7,124 |
| Net loans and leases to core deposits | 65.0985% | 7,273 |
| Total domestic deposits to total assets | 87.3164% | 2,057 |
| Equity capital to assets | 12.3564% | 2,052 |
| Core capital (leverage) ratio | 12.8536% | 1,533 |
| Tier 1 risk-based capital ratio | 19.4870% | 1,723 |
| Total risk-based capital ratio | 20.3140% | 1,764 |
| Memoranda: | ||
| Average total assets | $51,819,000 | 6,792 |
| Average earning assets | $49,984,500 | 6,660 |
| Average equity | $6,434,500 | 6,601 |
| Average total loans | $25,748,000 | 7,013 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3316% | 3,776 |
| Cost of funding earning assets | 2.3818% | 4,803 |
| Net interest margin | 3.9499% | 3,361 |
| Noninterest income to average assets | 0.1909% | 7,090 |
| Noninterest expense to average assets | 2.5940% | 5,678 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1758% | 1,855 |
| Return on assets (ROA) | 0.7464% | 3,528 |
| Pretax return on assets | 0.8447% | 3,907 |
| Return on Equity (ROE) | 6.0386% | 3,925 |
| Retained earnings to average equity (ytd only) | 3.6980% | 2,844 |
| Net charge-offs to loans | 0.2019% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 13.8200% | 2,102 |
| Efficiency ratio | 66.0609% | 5,115 |
| Assets per employee ($millions) | 3.6481% | 4,290 |
| Cash dividends to net income (ytd only)* | 38.7597% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3749% | 3,334 |
| Loan loss allowance to noncurrent loans | 296.5812% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 6,655 |
| Noncurrent loans to loans | 0.4636% | 5,954 |
| Net loans and leases to total assets | 48.7352% | 7,128 |
| Net loans and leases to deposits | 55.9160% | 7,325 |
| Net loans and leases to core deposits | 64.8947% | 7,405 |
| Total domestic deposits to total assets | 87.1578% | 1,860 |
| Equity capital to assets | 12.4799% | 2,026 |
| Core capital (leverage) ratio | 12.7796% | 1,631 |
| Tier 1 risk-based capital ratio | 19.9720% | 1,624 |
| Total risk-based capital ratio | 21.0287% | 1,611 |
| Memoranda: | ||
| Average total assets | $51,851,000 | 6,700 |
| Average earning assets | $49,039,400 | 6,633 |
| Average equity | $6,408,800 | 6,675 |
| Average total loans | $24,759,600 | 7,040 |