Home > The State Bank of Wynnewood > Performance and Condition Ratios
The State Bank of Wynnewood, 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 | 4.1875% | 3,648 |
| Cost of funding earning assets | 1.4626% | 2,042 |
| Net interest margin | 2.7249% | 3,782 |
| Noninterest income to average assets | 0.2700% | 3,317 |
| Noninterest expense to average assets | 2.0170% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8706% | 2,632 |
| Return on assets (ROA) | 0.8495% | 2,683 |
| Pretax return on assets | 0.8495% | 3,093 |
| Return on Equity (ROE) | 7.8000% | 3,081 |
| Retained earnings to average equity (ytd only) | 6.4808% | 2,066 |
| Net charge-offs to loans | 0.0129% | 2,169 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 151.5000% | 702 |
| Efficiency ratio | 69.8507% | 1,899 |
| Assets per employee ($millions) | 8.4844% | 1,191 |
| Cash dividends to net income (ytd only)* | 16.9109% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4404% | 1,233 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1061% | 2,826 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 44.4200% | 3,881 |
| Net loans and leases to deposits | 51.1397% | 3,907 |
| Net loans and leases to core deposits | 65.9777% | 3,499 |
| Total domestic deposits to total assets | 86.8700% | 1,725 |
| Equity capital to assets | 12.6821% | 949 |
| Core capital (leverage) ratio | 15.1167% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $104,411,800 | 3,792 |
| Average earning assets | $100,369,400 | 3,742 |
| Average equity | $11,372,000 | 3,584 |
| Average total loans | $46,378,200 | 3,894 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1242% | 3,615 |
| Cost of funding earning assets | 1.3769% | 1,928 |
| Net interest margin | 2.7473% | 3,815 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.0153% | 3,554 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9010% | 2,673 |
| Return on assets (ROA) | 0.8731% | 2,769 |
| Pretax return on assets | 0.8731% | 3,166 |
| Return on Equity (ROE) | 8.3500% | 3,103 |
| Retained earnings to average equity (ytd only) | 6.5288% | 2,450 |
| Net charge-offs to loans | 0.0086% | 2,093 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 236.6667% | 534 |
| Efficiency ratio | 69.1036% | 1,888 |
| Assets per employee ($millions) | 7.9852% | 1,351 |
| Cash dividends to net income (ytd only)* | 21.8023% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 1,324 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 2,879 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 44.0400% | 3,910 |
| Net loans and leases to deposits | 49.4291% | 3,960 |
| Net loans and leases to core deposits | 64.2624% | 3,512 |
| Total domestic deposits to total assets | 89.0900% | 1,217 |
| Equity capital to assets | 10.3191% | 1,636 |
| Core capital (leverage) ratio | 14.5356% | 704 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $105,061,500 | 3,794 |
| Average earning assets | $100,993,750 | 3,748 |
| Average equity | $10,987,000 | 3,614 |
| Average total loans | $46,500,250 | 3,902 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9928% | 3,703 |
| Cost of funding earning assets | 1.2599% | 1,824 |
| Net interest margin | 2.7328% | 3,932 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 1.9814% | 3,635 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9063% | 2,734 |
| Return on assets (ROA) | 0.8646% | 2,872 |
| Pretax return on assets | 0.8646% | 3,252 |
| Return on Equity (ROE) | 8.2300% | 3,177 |
| Retained earnings to average equity (ytd only) | 5.9754% | 2,632 |
| Net charge-offs to loans | 0.0129% | 1,709 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 159.3333% | 720 |
| Efficiency ratio | 68.6146% | 1,906 |
| Assets per employee ($millions) | 8.2773% | 1,198 |
| Cash dividends to net income (ytd only)* | 27.4123% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 1,583 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.1004% | 2,831 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 43.9500% | 3,879 |
| Net loans and leases to deposits | 49.2021% | 3,949 |
| Net loans and leases to core deposits | 63.7322% | 3,465 |
| Total domestic deposits to total assets | 89.3300% | 1,126 |
| Equity capital to assets | 10.1873% | 1,752 |
| Core capital (leverage) ratio | 14.2244% | 730 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $105,479,667 | 3,809 |
| Average earning assets | $101,433,000 | 3,762 |
| Average equity | $11,078,667 | 3,629 |
| Average total loans | $46,540,667 | 3,916 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 3,748 |
| Cost of funding earning assets | 1.1076% | 1,730 |
| Net interest margin | 2.7571% | 4,004 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.0380% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8926% | 2,883 |
| Return on assets (ROA) | 0.8275% | 3,060 |
| Pretax return on assets | 0.8275% | 3,402 |
| Return on Equity (ROE) | 7.7600% | 3,356 |
| Retained earnings to average equity (ytd only) | 6.8600% | 2,536 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 69.5425% | 1,798 |
| Assets per employee ($millions) | 7.6038% | 1,555 |
| Cash dividends to net income (ytd only)* | 11.5741% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 1,429 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 2,818 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 42.5400% | 3,928 |
| Net loans and leases to deposits | 47.8716% | 3,965 |
| Net loans and leases to core deposits | 62.1844% | 3,438 |
| Total domestic deposits to total assets | 88.8700% | 1,592 |
| Equity capital to assets | 10.6873% | 1,463 |
| Core capital (leverage) ratio | 14.1435% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $104,417,000 | 3,868 |
| Average earning assets | $100,396,000 | 3,818 |
| Average equity | $11,137,000 | 3,662 |
| Average total loans | $45,831,500 | 3,963 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3805% | 3,394 |
| Cost of funding earning assets | 0.3554% | 2,438 |
| Net interest margin | 3.0252% | 3,380 |
| Noninterest income to average assets | 0.2700% | 3,524 |
| Noninterest expense to average assets | 2.0729% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0707% | 2,297 |
| Return on assets (ROA) | 1.0698% | 2,242 |
| Pretax return on assets | 1.0978% | 2,780 |
| Return on Equity (ROE) | 9.0800% | 3,112 |
| Retained earnings to average equity (ytd only) | 4.1588% | 3,341 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.3565% | 2,313 |
| Assets per employee ($millions) | 7.3129% | 1,746 |
| Cash dividends to net income (ytd only)* | 54.2005% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4592% | 1,311 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 2,790 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 43.9900% | 3,894 |
| Net loans and leases to deposits | 49.4185% | 3,924 |
| Net loans and leases to core deposits | 61.5118% | 3,420 |
| Total domestic deposits to total assets | 89.0200% | 1,712 |
| Equity capital to assets | 10.6436% | 1,393 |
| Core capital (leverage) ratio | 14.5614% | 628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $103,476,800 | 3,896 |
| Average earning assets | $99,333,800 | 3,844 |
| Average equity | $12,191,000 | 3,653 |
| Average total loans | $46,166,200 | 3,958 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3076% | 3,157 |
| Cost of funding earning assets | 0.2610% | 2,593 |
| Net interest margin | 3.0466% | 3,090 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.9688% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2324% | 1,578 |
| Return on assets (ROA) | 1.2311% | 1,561 |
| Pretax return on assets | 1.2311% | 2,254 |
| Return on Equity (ROE) | 10.2100% | 2,659 |
| Retained earnings to average equity (ytd only) | 7.0104% | 2,357 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 61.5014% | 2,898 |
| Assets per employee ($millions) | 7.2239% | 1,798 |
| Cash dividends to net income (ytd only)* | 31.3152% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 1,241 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 2,900 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 42.7200% | 3,955 |
| Net loans and leases to deposits | 47.4657% | 3,972 |
| Net loans and leases to core deposits | 58.7691% | 3,462 |
| Total domestic deposits to total assets | 89.9900% | 1,669 |
| Equity capital to assets | 9.6249% | 1,811 |
| Core capital (leverage) ratio | 14.2248% | 646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $103,750,750 | 3,923 |
| Average earning assets | $99,607,000 | 3,867 |
| Average equity | $12,514,500 | 3,655 |
| Average total loans | $46,280,500 | 3,979 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1893% | 3,079 |
| Cost of funding earning assets | 0.2386% | 2,410 |
| Net interest margin | 2.9507% | 3,030 |
| Noninterest income to average assets | 0.2657% | 3,580 |
| Noninterest expense to average assets | 1.9097% | 3,678 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1929% | 1,451 |
| Return on assets (ROA) | 1.2445% | 1,278 |
| Pretax return on assets | 1.2445% | 1,917 |
| Return on Equity (ROE) | 9.6865% | 2,460 |
| Retained earnings to average equity (ytd only) | 6.7106% | 2,084 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5527% | 3,100 |
| Assets per employee ($millions) | 7.2980% | 1,742 |
| Cash dividends to net income (ytd only)* | 30.7220% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 1,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 2,972 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 42.5606% | 3,935 |
| Net loans and leases to deposits | 47.5729% | 3,940 |
| Net loans and leases to core deposits | 57.3575% | 3,473 |
| Total domestic deposits to total assets | 89.4638% | 1,967 |
| Equity capital to assets | 10.1730% | 1,610 |
| Core capital (leverage) ratio | 14.4753% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,623,000 | 3,950 |
| Average earning assets | $100,586,000 | 3,910 |
| Average equity | $13,441,333 | 3,641 |
| Average total loans | $47,085,000 | 4,011 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1623% | 2,792 |
| Cost of funding earning assets | 0.2357% | 2,311 |
| Net interest margin | 2.9266% | 2,745 |
| Noninterest income to average assets | 0.2645% | 3,538 |
| Noninterest expense to average assets | 1.9235% | 3,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1564% | 1,363 |
| Return on assets (ROA) | 1.2584% | 1,084 |
| Pretax return on assets | 1.2584% | 1,628 |
| Return on Equity (ROE) | 8.9008% | 2,354 |
| Retained earnings to average equity (ytd only) | 6.2279% | 2,167 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4540% | 3,211 |
| Assets per employee ($millions) | 7.0227% | 1,978 |
| Cash dividends to net income (ytd only)* | 30.0300% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 1,919 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 3,090 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.7404% | 3,681 |
| Net loans and leases to deposits | 51.4301% | 3,611 |
| Net loans and leases to core deposits | 61.4769% | 3,023 |
| Total domestic deposits to total assets | 86.9927% | 2,931 |
| Equity capital to assets | 12.6788% | 765 |
| Core capital (leverage) ratio | 14.2056% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,848,500 | 3,960 |
| Average earning assets | $101,825,500 | 3,918 |
| Average equity | $14,965,000 | 3,567 |
| Average total loans | $48,551,500 | 3,994 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6150% | 2,339 |
| Cost of funding earning assets | 0.2793% | 2,609 |
| Net interest margin | 3.3357% | 2,218 |
| Noninterest income to average assets | 0.3313% | 3,429 |
| Noninterest expense to average assets | 2.2780% | 2,857 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1986% | 1,927 |
| Return on assets (ROA) | 1.4993% | 1,069 |
| Pretax return on assets | 1.5750% | 1,495 |
| Return on Equity (ROE) | 9.0401% | 2,900 |
| Retained earnings to average equity (ytd only) | 4.2978% | 3,088 |
| Net charge-offs to loans | 0.0737% | 1,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 41.2903% | 1,417 |
| Efficiency ratio | 64.4148% | 2,497 |
| Assets per employee ($millions) | 7.0904% | 1,867 |
| Cash dividends to net income (ytd only)* | 52.4590% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 2,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 3,227 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 45.7323% | 3,714 |
| Net loans and leases to deposits | 56.9250% | 3,344 |
| Net loans and leases to core deposits | 67.7112% | 2,679 |
| Total domestic deposits to total assets | 80.3377% | 4,185 |
| Equity capital to assets | 15.5835% | 424 |
| Core capital (leverage) ratio | 14.5939% | 520 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,713,400 | 3,971 |
| Average earning assets | $97,731,200 | 3,932 |
| Average equity | $16,869,200 | 3,476 |
| Average total loans | $42,038,000 | 4,146 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7704% | 2,090 |
| Cost of funding earning assets | 0.2828% | 2,771 |
| Net interest margin | 3.4876% | 1,900 |
| Noninterest income to average assets | 0.2917% | 3,705 |
| Noninterest expense to average assets | 1.9598% | 3,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.6042% | 1,021 |
| Return on assets (ROA) | 2.0274% | 466 |
| Pretax return on assets | 2.1295% | 643 |
| Return on Equity (ROE) | 12.0322% | 2,036 |
| Retained earnings to average equity (ytd only) | 9.6714% | 1,420 |
| Net charge-offs to loans | 0.0994% | 738 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 42.3333% | 1,332 |
| Efficiency ratio | 53.7846% | 3,838 |
| Assets per employee ($millions) | 7.3750% | 1,638 |
| Cash dividends to net income (ytd only)* | 19.6207% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7130% | 1,089 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 2,273 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 37.1206% | 4,335 |
| Net loans and leases to deposits | 44.9025% | 4,279 |
| Net loans and leases to core deposits | 53.6372% | 3,937 |
| Total domestic deposits to total assets | 82.6692% | 3,782 |
| Equity capital to assets | 16.8775% | 342 |
| Core capital (leverage) ratio | 15.2953% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,552,750 | 4,034 |
| Average earning assets | $96,644,250 | 3,992 |
| Average equity | $16,943,000 | 3,512 |
| Average total loans | $40,221,000 | 4,239 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1867% | 1,213 |
| Cost of funding earning assets | 0.2883% | 2,890 |
| Net interest margin | 3.8984% | 976 |
| Noninterest income to average assets | 0.2689% | 3,791 |
| Noninterest expense to average assets | 1.9006% | 3,964 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1013% | 406 |
| Return on assets (ROA) | 2.5167% | 230 |
| Pretax return on assets | 2.5288% | 343 |
| Return on Equity (ROE) | 14.9446% | 1,174 |
| Retained earnings to average equity (ytd only) | 12.5611% | 801 |
| Net charge-offs to loans | 0.0738% | 906 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 70.2000% | 898 |
| Efficiency ratio | 47.3500% | 4,437 |
| Assets per employee ($millions) | 7.3604% | 1,553 |
| Cash dividends to net income (ytd only)* | 15.9490% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7002% | 1,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3008% | 2,416 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 38.3221% | 4,373 |
| Net loans and leases to deposits | 46.2829% | 4,299 |
| Net loans and leases to core deposits | 55.2827% | 3,944 |
| Total domestic deposits to total assets | 82.7997% | 3,751 |
| Equity capital to assets | 16.8383% | 339 |
| Core capital (leverage) ratio | 15.3525% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,653,667 | 4,069 |
| Average earning assets | $95,731,333 | 4,023 |
| Average equity | $16,782,000 | 3,533 |
| Average total loans | $40,629,667 | 4,266 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 737 |
| Cost of funding earning assets | 0.2982% | 3,014 |
| Net interest margin | 4.2389% | 568 |
| Noninterest income to average assets | 0.2981% | 3,623 |
| Noninterest expense to average assets | 1.9764% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.3713% | 328 |
| Return on assets (ROA) | 3.0625% | 160 |
| Pretax return on assets | 3.0830% | 216 |
| Return on Equity (ROE) | 18.1846% | 711 |
| Retained earnings to average equity (ytd only) | 15.7600% | 546 |
| Net charge-offs to loans | 0.1468% | 525 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 38.9333% | 987 |
| Efficiency ratio | 45.3184% | 4,510 |
| Assets per employee ($millions) | 7.7116% | 1,335 |
| Cash dividends to net income (ytd only)* | 13.3333% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6715% | 1,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 2,590 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 40.0784% | 4,334 |
| Net loans and leases to deposits | 48.0840% | 4,261 |
| Net loans and leases to core deposits | 57.6820% | 3,858 |
| Total domestic deposits to total assets | 83.3508% | 3,602 |
| Equity capital to assets | 16.2901% | 362 |
| Core capital (leverage) ratio | 15.4722% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,958,000 | 4,095 |
| Average earning assets | $93,893,000 | 4,051 |
| Average equity | $16,497,500 | 3,557 |
| Average total loans | $40,858,500 | 4,284 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6743% | 3,644 |
| Cost of funding earning assets | 0.5340% | 2,724 |
| Net interest margin | 3.1403% | 3,521 |
| Noninterest income to average assets | 0.3008% | 3,673 |
| Noninterest expense to average assets | 2.3404% | 3,296 |
| Loan and lease loss provision to assets | 0.2209% | 1,770 |
| Net operating income to assets | 0.7142% | 3,386 |
| Return on assets (ROA) | 1.3538% | 1,213 |
| Pretax return on assets | 1.4253% | 1,579 |
| Return on Equity (ROE) | 8.1562% | 2,755 |
| Retained earnings to average equity (ytd only) | 3.7200% | 2,969 |
| Net charge-offs to loans | 0.0045% | 3,197 |
| Credit loss provision to net charge-offs | 10,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 462.5000% | 251 |
| Efficiency ratio | 70.6349% | 1,863 |
| Assets per employee ($millions) | 7.9721% | 1,051 |
| Cash dividends to net income (ytd only)* | 54.3901% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7085% | 1,019 |
| Loan loss allowance to noncurrent loans | 4,985.7143% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.3387% | 2,639 |
| Noncurrent loans to loans | 0.0343% | 4,168 |
| Net loans and leases to total assets | 41.9767% | 4,352 |
| Net loans and leases to deposits | 52.2646% | 4,205 |
| Net loans and leases to core deposits | 61.8095% | 3,838 |
| Total domestic deposits to total assets | 80.3157% | 3,995 |
| Equity capital to assets | 17.4191% | 304 |
| Core capital (leverage) ratio | 15.5631% | 436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,068,400 | 4,054 |
| Average earning assets | $91,200,200 | 4,011 |
| Average equity | $15,779,400 | 3,580 |
| Average total loans | $44,511,200 | 4,212 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7799% | 3,620 |
| Cost of funding earning assets | 0.6000% | 2,616 |
| Net interest margin | 3.1799% | 3,544 |
| Noninterest income to average assets | 0.2866% | 3,772 |
| Noninterest expense to average assets | 2.1267% | 3,879 |
| Loan and lease loss provision to assets | 0.2950% | 1,373 |
| Net operating income to assets | 0.8973% | 2,721 |
| Return on assets (ROA) | 1.7783% | 529 |
| Pretax return on assets | 1.8162% | 755 |
| Return on Equity (ROE) | 10.8493% | 1,731 |
| Retained earnings to average equity (ytd only) | 8.2784% | 1,216 |
| Net charge-offs to loans | 0.0059% | 2,929 |
| Credit loss provision to net charge-offs | 10,500.0000% | 116 |
| Earnings coverage of net charge-offs (x) | 431.5000% | 264 |
| Efficiency ratio | 63.6937% | 2,788 |
| Assets per employee ($millions) | 7.2592% | 1,346 |
| Cash dividends to net income (ytd only)* | 23.6967% | 2,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6066% | 1,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3285% | 2,825 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 45.2994% | 4,351 |
| Net loans and leases to deposits | 55.4865% | 4,284 |
| Net loans and leases to core deposits | 65.8640% | 3,897 |
| Total domestic deposits to total assets | 81.6404% | 3,507 |
| Equity capital to assets | 17.9665% | 307 |
| Core capital (leverage) ratio | 15.8277% | 434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,919,250 | 4,056 |
| Average earning assets | $91,111,750 | 4,008 |
| Average equity | $15,558,250 | 3,603 |
| Average total loans | $45,425,250 | 4,219 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 3,518 |
| Cost of funding earning assets | 0.6974% | 2,395 |
| Net interest margin | 3.2368% | 3,562 |
| Noninterest income to average assets | 0.2566% | 3,936 |
| Noninterest expense to average assets | 2.1997% | 3,788 |
| Loan and lease loss provision to assets | 0.4416% | 873 |
| Net operating income to assets | 0.7061% | 3,377 |
| Return on assets (ROA) | 1.9179% | 438 |
| Pretax return on assets | 1.9558% | 600 |
| Return on Equity (ROE) | 12.0853% | 1,316 |
| Retained earnings to average equity (ytd only) | 9.4350% | 898 |
| Net charge-offs to loans | 0.0087% | 2,636 |
| Credit loss provision to net charge-offs | 10,500.0000% | 113 |
| Earnings coverage of net charge-offs (x) | 276.0000% | 341 |
| Efficiency ratio | 65.4568% | 2,595 |
| Assets per employee ($millions) | 7.4195% | 1,218 |
| Cash dividends to net income (ytd only)* | 21.9298% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 861 |
| Loan loss allowance to noncurrent loans | 220.8861% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 2,488 |
| Noncurrent loans to loans | 0.7587% | 1,987 |
| Net loans and leases to total assets | 42.4559% | 4,517 |
| Net loans and leases to deposits | 51.3338% | 4,471 |
| Net loans and leases to core deposits | 62.9342% | 4,132 |
| Total domestic deposits to total assets | 82.7056% | 3,179 |
| Equity capital to assets | 16.9409% | 378 |
| Core capital (leverage) ratio | 15.3287% | 525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,102,333 | 4,056 |
| Average earning assets | $91,201,000 | 4,006 |
| Average equity | $15,092,667 | 3,648 |
| Average total loans | $46,084,667 | 4,213 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 3,565 |
| Cost of funding earning assets | 0.8322% | 2,212 |
| Net interest margin | 3.2537% | 3,710 |
| Noninterest income to average assets | 0.3050% | 3,689 |
| Noninterest expense to average assets | 2.3171% | 3,735 |
| Loan and lease loss provision to assets | 0.8896% | 262 |
| Net operating income to assets | 0.2088% | 4,510 |
| Return on assets (ROA) | 1.9317% | 338 |
| Pretax return on assets | 1.9698% | 485 |
| Return on Equity (ROE) | 12.6063% | 955 |
| Retained earnings to average equity (ytd only) | 9.8417% | 775 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7819% | 2,709 |
| Assets per employee ($millions) | 7.1808% | 1,012 |
| Cash dividends to net income (ytd only)* | 21.9298% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,471 |
| Loan loss allowance to noncurrent loans | 222.2222% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 2,582 |
| Noncurrent loans to loans | 0.6587% | 2,339 |
| Net loans and leases to total assets | 50.4815% | 4,218 |
| Net loans and leases to deposits | 59.3753% | 4,223 |
| Net loans and leases to core deposits | 77.6308% | 3,381 |
| Total domestic deposits to total assets | 85.0210% | 2,403 |
| Equity capital to assets | 14.6554% | 845 |
| Core capital (leverage) ratio | 15.0126% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,427,000 | 4,070 |
| Average earning assets | $90,357,500 | 4,020 |
| Average equity | $14,469,000 | 3,721 |
| Average total loans | $48,303,000 | 4,184 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 4,099 |
| Cost of funding earning assets | 0.9193% | 2,118 |
| Net interest margin | 3.1520% | 4,284 |
| Noninterest income to average assets | 0.3062% | 3,855 |
| Noninterest expense to average assets | 2.1420% | 4,286 |
| Loan and lease loss provision to assets | 0.0210% | 3,599 |
| Net operating income to assets | 1.1731% | 2,161 |
| Return on assets (ROA) | 1.3740% | 1,508 |
| Pretax return on assets | 1.3740% | 2,251 |
| Return on Equity (ROE) | 9.0252% | 2,743 |
| Retained earnings to average equity (ytd only) | 2.2874% | 3,875 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2069% | 3,046 |
| Assets per employee ($millions) | 7.3464% | 915 |
| Cash dividends to net income (ytd only)* | 74.6554% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,481 |
| Loan loss allowance to noncurrent loans | 159.6091% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 2,590 |
| Noncurrent loans to loans | 0.6293% | 2,311 |
| Net loans and leases to total assets | 50.5649% | 4,303 |
| Net loans and leases to deposits | 60.6678% | 4,260 |
| Net loans and leases to core deposits | 81.4076% | 3,190 |
| Total domestic deposits to total assets | 83.3471% | 3,086 |
| Equity capital to assets | 15.9754% | 607 |
| Core capital (leverage) ratio | 14.8259% | 724 |
| Tier 1 risk-based capital ratio | 21.8225% | 1,048 |
| Total risk-based capital ratio | 22.6004% | 1,088 |
| Memoranda: | ||
| Average total assets | $95,050,600 | 4,073 |
| Average earning assets | $91,369,400 | 4,025 |
| Average equity | $14,470,600 | 3,690 |
| Average total loans | $47,901,400 | 4,223 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0577% | 4,240 |
| Cost of funding earning assets | 0.9327% | 2,073 |
| Net interest margin | 3.1250% | 4,435 |
| Noninterest income to average assets | 0.3146% | 3,871 |
| Noninterest expense to average assets | 2.1291% | 4,310 |
| Loan and lease loss provision to assets | 0.0281% | 3,344 |
| Net operating income to assets | 1.1643% | 2,321 |
| Return on assets (ROA) | 1.4072% | 1,509 |
| Pretax return on assets | 1.4072% | 2,285 |
| Return on Equity (ROE) | 9.3595% | 2,734 |
| Retained earnings to average equity (ytd only) | 4.4555% | 3,166 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1015% | 2,991 |
| Assets per employee ($millions) | 7.1140% | 984 |
| Cash dividends to net income (ytd only)* | 52.3949% | 1,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 3,464 |
| Loan loss allowance to noncurrent loans | 134.6154% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 2,935 |
| Noncurrent loans to loans | 0.7567% | 2,075 |
| Net loans and leases to total assets | 51.4835% | 4,341 |
| Net loans and leases to deposits | 62.1685% | 4,281 |
| Net loans and leases to core deposits | 76.8559% | 3,638 |
| Total domestic deposits to total assets | 82.8129% | 3,225 |
| Equity capital to assets | 16.7600% | 510 |
| Core capital (leverage) ratio | 14.8784% | 763 |
| Tier 1 risk-based capital ratio | 22.7861% | 969 |
| Total risk-based capital ratio | 23.5898% | 1,001 |
| Memoranda: | ||
| Average total assets | $94,937,500 | 4,121 |
| Average earning assets | $91,347,250 | 4,071 |
| Average equity | $14,274,000 | 3,745 |
| Average total loans | $47,681,500 | 4,281 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9951% | 4,388 |
| Cost of funding earning assets | 0.9153% | 2,076 |
| Net interest margin | 3.0798% | 4,572 |
| Noninterest income to average assets | 0.2778% | 4,078 |
| Noninterest expense to average assets | 2.0615% | 4,487 |
| Loan and lease loss provision to assets | 0.0418% | 2,980 |
| Net operating income to assets | 1.1404% | 2,370 |
| Return on assets (ROA) | 1.3576% | 1,615 |
| Pretax return on assets | 1.3576% | 2,359 |
| Return on Equity (ROE) | 9.3759% | 2,691 |
| Retained earnings to average equity (ytd only) | 3.2455% | 3,601 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5544% | 3,207 |
| Assets per employee ($millions) | 7.3358% | 873 |
| Cash dividends to net income (ytd only)* | 65.3846% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9998% | 3,625 |
| Loan loss allowance to noncurrent loans | 123.1156% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 0.4173% | 2,843 |
| Noncurrent loans to loans | 0.8121% | 1,967 |
| Net loans and leases to total assets | 50.8756% | 4,419 |
| Net loans and leases to deposits | 62.0617% | 4,330 |
| Net loans and leases to core deposits | 76.2754% | 3,705 |
| Total domestic deposits to total assets | 81.9758% | 3,516 |
| Equity capital to assets | 15.6230% | 684 |
| Core capital (leverage) ratio | 14.2620% | 892 |
| Tier 1 risk-based capital ratio | 21.9621% | 1,056 |
| Total risk-based capital ratio | 22.7511% | 1,097 |
| Memoranda: | ||
| Average total assets | $95,756,000 | 4,131 |
| Average earning assets | $92,212,670 | 4,071 |
| Average equity | $13,865,330 | 3,804 |
| Average total loans | $47,541,000 | 4,312 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9272% | 4,506 |
| Cost of funding earning assets | 0.8746% | 2,127 |
| Net interest margin | 3.0525% | 4,664 |
| Noninterest income to average assets | 0.3043% | 3,846 |
| Noninterest expense to average assets | 2.0469% | 4,564 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1964% | 2,070 |
| Return on assets (ROA) | 1.3715% | 1,490 |
| Pretax return on assets | 1.3715% | 2,184 |
| Return on Equity (ROE) | 9.8588% | 2,429 |
| Retained earnings to average equity (ytd only) | 0.1199% | 4,504 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1105% | 3,371 |
| Assets per employee ($millions) | 6.9241% | 1,032 |
| Cash dividends to net income (ytd only)* | 98.7842% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 3,801 |
| Loan loss allowance to noncurrent loans | 96.5092% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 2,614 |
| Noncurrent loans to loans | 1.0207% | 1,634 |
| Net loans and leases to total assets | 48.7358% | 4,541 |
| Net loans and leases to deposits | 58.3211% | 4,487 |
| Net loans and leases to core deposits | 73.2438% | 3,843 |
| Total domestic deposits to total assets | 83.5646% | 3,197 |
| Equity capital to assets | 14.1154% | 1,000 |
| Core capital (leverage) ratio | 14.0943% | 925 |
| Tier 1 risk-based capital ratio | 21.7997% | 1,075 |
| Total risk-based capital ratio | 22.5632% | 1,112 |
| Memoranda: | ||
| Average total assets | $95,951,000 | 4,171 |
| Average earning assets | $92,382,000 | 4,104 |
| Average equity | $13,348,500 | 3,896 |
| Average total loans | $46,807,500 | 4,369 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 4,192 |
| Cost of funding earning assets | 0.5763% | 2,877 |
| Net interest margin | 3.3621% | 4,100 |
| Noninterest income to average assets | 0.3485% | 3,780 |
| Noninterest expense to average assets | 2.2936% | 4,135 |
| Loan and lease loss provision to assets | 0.1345% | 1,609 |
| Net operating income to assets | 1.1563% | 2,356 |
| Return on assets (ROA) | 1.1675% | 2,318 |
| Pretax return on assets | 1.1675% | 3,029 |
| Return on Equity (ROE) | 8.1765% | 3,362 |
| Retained earnings to average equity (ytd only) | 4.2530% | 3,212 |
| Net charge-offs to loans | 0.5430% | 326 |
| Credit loss provision to net charge-offs | 48.5830% | 3,210 |
| Earnings coverage of net charge-offs (x) | 4.6640% | 3,268 |
| Efficiency ratio | 63.9887% | 3,196 |
| Assets per employee ($millions) | 6.3310% | 1,302 |
| Cash dividends to net income (ytd only)* | 47.9846% | 2,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0239% | 3,534 |
| Loan loss allowance to noncurrent loans | 92.5197% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 2,456 |
| Noncurrent loans to loans | 1.1067% | 1,466 |
| Net loans and leases to total assets | 47.8408% | 4,649 |
| Net loans and leases to deposits | 56.9437% | 4,621 |
| Net loans and leases to core deposits | 72.3347% | 3,970 |
| Total domestic deposits to total assets | 84.0141% | 2,993 |
| Equity capital to assets | 13.7040% | 1,064 |
| Core capital (leverage) ratio | 14.6800% | 760 |
| Tier 1 risk-based capital ratio | 22.5572% | 962 |
| Total risk-based capital ratio | 23.3475% | 998 |
| Memoranda: | ||
| Average total assets | $89,246,800 | 4,282 |
| Average earning assets | $85,898,200 | 4,221 |
| Average equity | $12,743,800 | 3,925 |
| Average total loans | $45,484,400 | 4,422 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9455% | 4,092 |
| Cost of funding earning assets | 0.5238% | 3,033 |
| Net interest margin | 3.4218% | 3,941 |
| Noninterest income to average assets | 0.3644% | 3,696 |
| Noninterest expense to average assets | 2.3108% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3467% | 1,675 |
| Return on assets (ROA) | 1.3680% | 1,598 |
| Pretax return on assets | 1.3680% | 2,349 |
| Return on Equity (ROE) | 9.4768% | 2,863 |
| Retained earnings to average equity (ytd only) | 6.3213% | 2,477 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1797% | 3,304 |
| Assets per employee ($millions) | 5.9465% | 1,527 |
| Cash dividends to net income (ytd only)* | 33.2964% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,143 |
| Loan loss allowance to noncurrent loans | 9,950.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,988 |
| Noncurrent loans to loans | 0.0130% | 4,860 |
| Net loans and leases to total assets | 51.2198% | 4,518 |
| Net loans and leases to deposits | 62.8994% | 4,399 |
| Net loans and leases to core deposits | 77.2732% | 3,713 |
| Total domestic deposits to total assets | 81.4312% | 3,756 |
| Equity capital to assets | 14.0665% | 939 |
| Core capital (leverage) ratio | 15.1261% | 673 |
| Tier 1 risk-based capital ratio | 22.9199% | 943 |
| Total risk-based capital ratio | 23.9355% | 951 |
| Memoranda: | ||
| Average total assets | $87,817,250 | 4,353 |
| Average earning assets | $84,515,000 | 4,287 |
| Average equity | $12,676,250 | 3,963 |
| Average total loans | $45,380,000 | 4,470 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9236% | 4,010 |
| Cost of funding earning assets | 0.4759% | 3,188 |
| Net interest margin | 3.4477% | 3,804 |
| Noninterest income to average assets | 0.3343% | 3,946 |
| Noninterest expense to average assets | 2.3032% | 4,132 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3485% | 1,603 |
| Return on assets (ROA) | 1.3851% | 1,489 |
| Pretax return on assets | 1.3851% | 2,202 |
| Return on Equity (ROE) | 9.5131% | 2,795 |
| Retained earnings to average equity (ytd only) | 6.3683% | 2,375 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0721% | 3,456 |
| Assets per employee ($millions) | 5.5115% | 1,871 |
| Cash dividends to net income (ytd only)* | 33.0579% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 2,036 |
| Loan loss allowance to noncurrent loans | 7,462.5000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 5,004 |
| Noncurrent loans to loans | 0.0178% | 4,863 |
| Net loans and leases to total assets | 50.2756% | 4,591 |
| Net loans and leases to deposits | 60.9885% | 4,478 |
| Net loans and leases to core deposits | 73.9496% | 3,882 |
| Total domestic deposits to total assets | 82.4345% | 3,584 |
| Equity capital to assets | 14.4641% | 814 |
| Core capital (leverage) ratio | 14.9448% | 684 |
| Tier 1 risk-based capital ratio | 23.1979% | 913 |
| Total risk-based capital ratio | 24.2409% | 918 |
| Memoranda: | ||
| Average total assets | $87,357,000 | 4,391 |
| Average earning assets | $84,055,670 | 4,329 |
| Average equity | $12,719,330 | 3,981 |
| Average total loans | $45,078,670 | 4,521 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8749% | 4,003 |
| Cost of funding earning assets | 0.4396% | 3,289 |
| Net interest margin | 3.4354% | 3,760 |
| Noninterest income to average assets | 0.3451% | 3,840 |
| Noninterest expense to average assets | 2.3418% | 4,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3112% | 1,605 |
| Return on assets (ROA) | 1.3434% | 1,515 |
| Pretax return on assets | 1.3434% | 2,209 |
| Return on Equity (ROE) | 9.1958% | 2,808 |
| Retained earnings to average equity (ytd only) | 6.0465% | 2,694 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1058% | 3,468 |
| Assets per employee ($millions) | 5.4929% | 1,951 |
| Cash dividends to net income (ytd only)* | 34.2466% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 2,013 |
| Loan loss allowance to noncurrent loans | 6,633.3333% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,074 |
| Noncurrent loans to loans | 0.0204% | 4,896 |
| Net loans and leases to total assets | 49.5836% | 4,591 |
| Net loans and leases to deposits | 57.8889% | 4,590 |
| Net loans and leases to core deposits | 69.0613% | 4,143 |
| Total domestic deposits to total assets | 85.6530% | 2,693 |
| Equity capital to assets | 14.1422% | 852 |
| Core capital (leverage) ratio | 14.6521% | 729 |
| Tier 1 risk-based capital ratio | 23.0199% | 941 |
| Total risk-based capital ratio | 24.0718% | 940 |
| Memoranda: | ||
| Average total assets | $86,943,500 | 4,448 |
| Average earning assets | $83,717,500 | 4,379 |
| Average equity | $12,701,500 | 4,017 |
| Average total loans | $45,152,000 | 4,561 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 3,763 |
| Cost of funding earning assets | 0.3873% | 3,362 |
| Net interest margin | 3.5022% | 3,520 |
| Noninterest income to average assets | 0.3638% | 3,864 |
| Noninterest expense to average assets | 2.4062% | 4,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3220% | 1,178 |
| Return on assets (ROA) | 1.4468% | 929 |
| Pretax return on assets | 1.4468% | 1,828 |
| Return on Equity (ROE) | 9.5029% | 2,097 |
| Retained earnings to average equity (ytd only) | 3.1390% | 3,414 |
| Net charge-offs to loans | -0.0511% | 5,192 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5408% | 3,524 |
| Assets per employee ($millions) | 5.7334% | 1,728 |
| Cash dividends to net income (ytd only)* | 66.9680% | 1,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2942% | 2,246 |
| Loan loss allowance to noncurrent loans | 5,970.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0116% | 5,109 |
| Noncurrent loans to loans | 0.0217% | 4,918 |
| Net loans and leases to total assets | 52.9447% | 4,448 |
| Net loans and leases to deposits | 62.4484% | 4,416 |
| Net loans and leases to core deposits | 73.6422% | 3,904 |
| Total domestic deposits to total assets | 84.7816% | 2,918 |
| Equity capital to assets | 15.0859% | 662 |
| Core capital (leverage) ratio | 14.9580% | 630 |
| Tier 1 risk-based capital ratio | 22.5362% | 959 |
| Total risk-based capital ratio | 23.5814% | 957 |
| Memoranda: | ||
| Average total assets | $84,115,600 | 4,509 |
| Average earning assets | $80,807,200 | 4,450 |
| Average equity | $12,806,600 | 4,013 |
| Average total loans | $43,066,800 | 4,642 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8686% | 3,771 |
| Cost of funding earning assets | 0.3751% | 3,419 |
| Net interest margin | 3.4935% | 3,524 |
| Noninterest income to average assets | 0.3586% | 3,964 |
| Noninterest expense to average assets | 2.2683% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4458% | 1,000 |
| Return on assets (ROA) | 1.5844% | 764 |
| Pretax return on assets | 1.5844% | 1,475 |
| Return on Equity (ROE) | 10.3825% | 1,955 |
| Retained earnings to average equity (ytd only) | 4.4810% | 3,234 |
| Net charge-offs to loans | -0.0693% | 5,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0730% | 4,032 |
| Assets per employee ($millions) | 5.3661% | 2,050 |
| Cash dividends to net income (ytd only)* | 56.8407% | 1,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3347% | 2,185 |
| Loan loss allowance to noncurrent loans | 5,427.2727% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 5,194 |
| Noncurrent loans to loans | 0.0246% | 5,011 |
| Net loans and leases to total assets | 51.4000% | 4,619 |
| Net loans and leases to deposits | 61.2114% | 4,574 |
| Net loans and leases to core deposits | 73.6548% | 4,004 |
| Total domestic deposits to total assets | 83.9712% | 3,135 |
| Equity capital to assets | 15.7644% | 586 |
| Core capital (leverage) ratio | 15.0729% | 649 |
| Tier 1 risk-based capital ratio | 22.7891% | 961 |
| Total risk-based capital ratio | 23.8438% | 970 |
| Memoranda: | ||
| Average total assets | $83,644,250 | 4,567 |
| Average earning assets | $80,337,750 | 4,504 |
| Average equity | $12,764,750 | 4,054 |
| Average total loans | $42,301,000 | 4,705 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8087% | 3,858 |
| Cost of funding earning assets | 0.3563% | 3,514 |
| Net interest margin | 3.4524% | 3,581 |
| Noninterest income to average assets | 0.3401% | 4,116 |
| Noninterest expense to average assets | 2.2314% | 4,499 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4281% | 1,002 |
| Return on assets (ROA) | 1.6356% | 665 |
| Pretax return on assets | 1.6356% | 1,238 |
| Return on Equity (ROE) | 10.8411% | 1,700 |
| Retained earnings to average equity (ytd only) | 6.0441% | 2,087 |
| Net charge-offs to loans | -0.1060% | 5,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9756% | 4,170 |
| Assets per employee ($millions) | 5.7233% | 1,679 |
| Cash dividends to net income (ytd only)* | 44.2478% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 2,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 49.4438% | 4,741 |
| Net loans and leases to deposits | 60.4718% | 4,592 |
| Net loans and leases to core deposits | 70.7191% | 4,181 |
| Total domestic deposits to total assets | 81.7633% | 3,954 |
| Equity capital to assets | 15.6880% | 572 |
| Core capital (leverage) ratio | 15.4550% | 554 |
| Tier 1 risk-based capital ratio | 23.4325% | 903 |
| Total risk-based capital ratio | 24.5213% | 905 |
| Memoranda: | ||
| Average total assets | $82,906,330 | 4,608 |
| Average earning assets | $79,711,670 | 4,537 |
| Average equity | $12,508,000 | 4,108 |
| Average total loans | $41,492,000 | 4,760 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7881% | 3,801 |
| Cost of funding earning assets | 0.3527% | 3,497 |
| Net interest margin | 3.4353% | 3,501 |
| Noninterest income to average assets | 0.3930% | 3,716 |
| Noninterest expense to average assets | 2.1907% | 4,670 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5030% | 804 |
| Return on assets (ROA) | 1.5325% | 788 |
| Pretax return on assets | 1.5325% | 1,437 |
| Return on Equity (ROE) | 10.3758% | 1,788 |
| Retained earnings to average equity (ytd only) | 7.0502% | 1,829 |
| Net charge-offs to loans | -0.0098% | 4,415 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3085% | 4,558 |
| Assets per employee ($millions) | 5.4334% | 1,951 |
| Cash dividends to net income (ytd only)* | 32.0513% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 2,046 |
| Loan loss allowance to noncurrent loans | 7,200.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 5,321 |
| Noncurrent loans to loans | 0.0195% | 5,147 |
| Net loans and leases to total assets | 49.5883% | 4,706 |
| Net loans and leases to deposits | 58.5216% | 4,664 |
| Net loans and leases to core deposits | 66.9278% | 4,366 |
| Total domestic deposits to total assets | 84.7352% | 3,195 |
| Equity capital to assets | 15.0563% | 645 |
| Core capital (leverage) ratio | 15.5212% | 521 |
| Tier 1 risk-based capital ratio | 23.3788% | 931 |
| Total risk-based capital ratio | 24.4406% | 939 |
| Memoranda: | ||
| Average total assets | $81,435,000 | 4,686 |
| Average earning assets | $78,246,000 | 4,605 |
| Average equity | $12,028,000 | 4,208 |
| Average total loans | $40,716,000 | 4,825 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 3,744 |
| Cost of funding earning assets | 0.3309% | 3,738 |
| Net interest margin | 3.5183% | 3,365 |
| Noninterest income to average assets | 0.5645% | 2,841 |
| Noninterest expense to average assets | 2.5798% | 3,742 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3519% | 1,094 |
| Return on assets (ROA) | 1.5208% | 825 |
| Pretax return on assets | 1.5208% | 1,526 |
| Return on Equity (ROE) | 9.5391% | 2,173 |
| Retained earnings to average equity (ytd only) | 4.6322% | 2,603 |
| Net charge-offs to loans | -0.0272% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6160% | 3,660 |
| Assets per employee ($millions) | 5.4246% | 1,928 |
| Cash dividends to net income (ytd only)* | 51.4403% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4218% | 1,996 |
| Loan loss allowance to noncurrent loans | 7,187.5000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 5,367 |
| Noncurrent loans to loans | 0.0198% | 5,197 |
| Net loans and leases to total assets | 48.9941% | 4,834 |
| Net loans and leases to deposits | 60.0102% | 4,665 |
| Net loans and leases to core deposits | 69.9772% | 4,248 |
| Total domestic deposits to total assets | 81.6429% | 4,162 |
| Equity capital to assets | 14.4834% | 737 |
| Core capital (leverage) ratio | 15.6163% | 515 |
| Tier 1 risk-based capital ratio | 23.1850% | 951 |
| Total risk-based capital ratio | 24.2540% | 951 |
| Memoranda: | ||
| Average total assets | $79,890,400 | 4,733 |
| Average earning assets | $76,458,200 | 4,661 |
| Average equity | $12,737,000 | 4,131 |
| Average total loans | $40,371,400 | 4,867 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8698% | 3,698 |
| Cost of funding earning assets | 0.3279% | 3,798 |
| Net interest margin | 3.5419% | 3,310 |
| Noninterest income to average assets | 0.6355% | 2,492 |
| Noninterest expense to average assets | 2.7447% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2776% | 1,358 |
| Return on assets (ROA) | 1.5056% | 920 |
| Pretax return on assets | 1.5056% | 1,693 |
| Return on Equity (ROE) | 9.2277% | 2,388 |
| Retained earnings to average equity (ytd only) | 4.3467% | 3,234 |
| Net charge-offs to loans | -0.0264% | 5,108 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2368% | 3,184 |
| Assets per employee ($millions) | 5.3317% | 2,013 |
| Cash dividends to net income (ytd only)* | 52.8957% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4580% | 1,944 |
| Loan loss allowance to noncurrent loans | 7,150.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 5,487 |
| Noncurrent loans to loans | 0.0204% | 5,309 |
| Net loans and leases to total assets | 48.3383% | 4,939 |
| Net loans and leases to deposits | 59.9011% | 4,768 |
| Net loans and leases to core deposits | 65.9969% | 4,606 |
| Total domestic deposits to total assets | 80.6967% | 4,324 |
| Equity capital to assets | 16.6537% | 467 |
| Core capital (leverage) ratio | 15.7261% | 523 |
| Tier 1 risk-based capital ratio | 23.4423% | 954 |
| Total risk-based capital ratio | 24.5322% | 956 |
| Memoranda: | ||
| Average total assets | $79,520,750 | 4,782 |
| Average earning assets | $76,040,000 | 4,714 |
| Average equity | $12,975,000 | 4,129 |
| Average total loans | $40,354,000 | 4,908 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8958% | 3,624 |
| Cost of funding earning assets | 0.3271% | 3,824 |
| Net interest margin | 3.5688% | 3,218 |
| Noninterest income to average assets | 0.4259% | 3,686 |
| Noninterest expense to average assets | 2.6358% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1995% | 1,604 |
| Return on assets (ROA) | 1.4666% | 996 |
| Pretax return on assets | 1.4666% | 1,785 |
| Return on Equity (ROE) | 9.0511% | 2,478 |
| Retained earnings to average equity (ytd only) | 3.2192% | 3,845 |
| Net charge-offs to loans | -0.0344% | 5,195 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7254% | 3,208 |
| Assets per employee ($millions) | 5.2811% | 2,001 |
| Cash dividends to net income (ytd only)* | 64.4330% | 1,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 2,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 51.0654% | 4,760 |
| Net loans and leases to deposits | 61.5633% | 4,691 |
| Net loans and leases to core deposits | 67.6840% | 4,500 |
| Total domestic deposits to total assets | 82.9479% | 3,675 |
| Equity capital to assets | 16.8236% | 450 |
| Core capital (leverage) ratio | 15.1450% | 587 |
| Tier 1 risk-based capital ratio | 22.9840% | 1,019 |
| Total risk-based capital ratio | 24.0697% | 1,019 |
| Memoranda: | ||
| Average total assets | $79,369,000 | 4,831 |
| Average earning assets | $75,824,670 | 4,762 |
| Average equity | $12,860,330 | 4,166 |
| Average total loans | $40,728,330 | 4,945 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8992% | 3,590 |
| Cost of funding earning assets | 0.3223% | 3,919 |
| Net interest margin | 3.5769% | 3,178 |
| Noninterest income to average assets | 0.4783% | 3,274 |
| Noninterest expense to average assets | 2.6232% | 3,680 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2638% | 1,360 |
| Return on assets (ROA) | 1.3544% | 1,195 |
| Pretax return on assets | 1.3544% | 2,072 |
| Return on Equity (ROE) | 8.5214% | 2,655 |
| Retained earnings to average equity (ytd only) | -1.7740% | 5,364 |
| Net charge-offs to loans | -0.0591% | 5,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4870% | 3,549 |
| Assets per employee ($millions) | 5.4217% | 1,903 |
| Cash dividends to net income (ytd only)* | 120.8178% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4034% | 2,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3258% | 4,264 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 49.2426% | 4,867 |
| Net loans and leases to deposits | 58.4747% | 4,824 |
| Net loans and leases to core deposits | 64.0137% | 4,691 |
| Total domestic deposits to total assets | 84.2117% | 3,445 |
| Equity capital to assets | 15.6395% | 574 |
| Core capital (leverage) ratio | 14.8463% | 631 |
| Tier 1 risk-based capital ratio | 22.7393% | 1,049 |
| Total risk-based capital ratio | 23.8355% | 1,050 |
| Memoranda: | ||
| Average total assets | $79,445,500 | 4,870 |
| Average earning assets | $75,707,500 | 4,806 |
| Average equity | $12,627,000 | 4,221 |
| Average total loans | $40,581,000 | 4,992 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0322% | 3,186 |
| Cost of funding earning assets | 0.3207% | 4,020 |
| Net interest margin | 3.7115% | 2,706 |
| Noninterest income to average assets | 0.4151% | 3,924 |
| Noninterest expense to average assets | 2.6245% | 3,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3433% | 1,168 |
| Return on assets (ROA) | 1.4266% | 1,029 |
| Pretax return on assets | 1.4266% | 1,800 |
| Return on Equity (ROE) | 9.4340% | 2,252 |
| Retained earnings to average equity (ytd only) | 0.9040% | 5,161 |
| Net charge-offs to loans | 0.1778% | 1,614 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 14.2237% | 2,319 |
| Efficiency ratio | 66.1447% | 3,883 |
| Assets per employee ($millions) | 5.5404% | 1,755 |
| Cash dividends to net income (ytd only)* | 90.4181% | 600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3910% | 2,469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3416% | 4,221 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 51.5452% | 4,732 |
| Net loans and leases to deposits | 61.5282% | 4,666 |
| Net loans and leases to core deposits | 67.1645% | 4,497 |
| Total domestic deposits to total assets | 83.7749% | 3,573 |
| Equity capital to assets | 16.1606% | 500 |
| Core capital (leverage) ratio | 15.2641% | 572 |
| Tier 1 risk-based capital ratio | 22.8362% | 1,033 |
| Total risk-based capital ratio | 23.9203% | 1,045 |
| Memoranda: | ||
| Average total assets | $80,471,000 | 4,861 |
| Average earning assets | $77,030,000 | 4,786 |
| Average equity | $12,168,800 | 4,276 |
| Average total loans | $42,736,800 | 4,908 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0298% | 3,213 |
| Cost of funding earning assets | 0.3153% | 4,165 |
| Net interest margin | 3.7146% | 2,698 |
| Noninterest income to average assets | 0.4269% | 3,892 |
| Noninterest expense to average assets | 2.6930% | 3,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2939% | 1,358 |
| Return on assets (ROA) | 1.3416% | 1,287 |
| Pretax return on assets | 1.3416% | 2,243 |
| Return on Equity (ROE) | 9.0195% | 2,566 |
| Retained earnings to average equity (ytd only) | -1.1923% | 5,779 |
| Net charge-offs to loans | 0.2249% | 1,162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 10.7946% | 2,562 |
| Efficiency ratio | 67.5453% | 3,622 |
| Assets per employee ($millions) | 5.6558% | 1,628 |
| Cash dividends to net income (ytd only)* | 113.2185% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3405% | 2,902 |
| Loan loss allowance to noncurrent loans | 112.5000% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 3,354 |
| Noncurrent loans to loans | 1.1915% | 2,143 |
| Net loans and leases to total assets | 52.7046% | 4,692 |
| Net loans and leases to deposits | 64.6166% | 4,504 |
| Net loans and leases to core deposits | 70.5338% | 4,319 |
| Total domestic deposits to total assets | 81.5650% | 4,299 |
| Equity capital to assets | 15.1059% | 716 |
| Core capital (leverage) ratio | 14.5046% | 736 |
| Tier 1 risk-based capital ratio | 21.8177% | 1,223 |
| Total risk-based capital ratio | 22.8785% | 1,224 |
| Memoranda: | ||
| Average total assets | $81,197,500 | 4,899 |
| Average earning assets | $77,818,000 | 4,823 |
| Average equity | $12,077,250 | 4,342 |
| Average total loans | $43,284,750 | 4,936 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 3,250 |
| Cost of funding earning assets | 0.3108% | 4,269 |
| Net interest margin | 3.6988% | 2,716 |
| Noninterest income to average assets | 0.4006% | 4,079 |
| Noninterest expense to average assets | 2.6359% | 3,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.3118% | 1,286 |
| Return on assets (ROA) | 1.3265% | 1,298 |
| Pretax return on assets | 1.3265% | 2,255 |
| Return on Equity (ROE) | 8.9634% | 2,567 |
| Retained earnings to average equity (ytd only) | -1.3536% | 5,749 |
| Net charge-offs to loans | 0.3623% | 717 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 6.7975% | 2,739 |
| Efficiency ratio | 66.7698% | 3,875 |
| Assets per employee ($millions) | 5.3458% | 1,886 |
| Cash dividends to net income (ytd only)* | 115.1013% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 3,228 |
| Loan loss allowance to noncurrent loans | 110.8696% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.6310% | 3,529 |
| Noncurrent loans to loans | 1.1757% | 2,302 |
| Net loans and leases to total assets | 52.9749% | 4,664 |
| Net loans and leases to deposits | 62.2102% | 4,688 |
| Net loans and leases to core deposits | 67.8698% | 4,501 |
| Total domestic deposits to total assets | 85.1547% | 3,064 |
| Equity capital to assets | 14.6158% | 794 |
| Core capital (leverage) ratio | 14.2985% | 762 |
| Tier 1 risk-based capital ratio | 21.4522% | 1,290 |
| Total risk-based capital ratio | 22.4818% | 1,297 |
| Memoranda: | ||
| Average total assets | $81,869,670 | 4,939 |
| Average earning assets | $78,512,330 | 4,858 |
| Average equity | $12,116,000 | 4,358 |
| Average total loans | $43,613,330 | 4,965 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9704% | 3,336 |
| Cost of funding earning assets | 0.2973% | 4,472 |
| Net interest margin | 3.6731% | 2,722 |
| Noninterest income to average assets | 0.4643% | 3,540 |
| Noninterest expense to average assets | 2.6454% | 3,759 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.3444% | 1,152 |
| Return on assets (ROA) | 1.3783% | 1,129 |
| Pretax return on assets | 1.3783% | 1,966 |
| Return on Equity (ROE) | 9.2578% | 2,334 |
| Retained earnings to average equity (ytd only) | 7.6336% | 1,709 |
| Net charge-offs to loans | -0.0182% | 4,999 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3030% | 4,098 |
| Assets per employee ($millions) | 5.2070% | 2,103 |
| Cash dividends to net income (ytd only)* | 17.5439% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4828% | 2,518 |
| Loan loss allowance to noncurrent loans | 123.9382% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6218% | 3,624 |
| Noncurrent loans to loans | 1.1964% | 2,381 |
| Net loans and leases to total assets | 51.1979% | 4,731 |
| Net loans and leases to deposits | 60.3865% | 4,715 |
| Net loans and leases to core deposits | 65.6458% | 4,553 |
| Total domestic deposits to total assets | 84.7837% | 3,519 |
| Equity capital to assets | 15.0687% | 705 |
| Core capital (leverage) ratio | 14.4310% | 708 |
| Tier 1 risk-based capital ratio | 21.8862% | 1,261 |
| Total risk-based capital ratio | 23.0566% | 1,250 |
| Memoranda: | ||
| Average total assets | $82,711,000 | 4,967 |
| Average earning assets | $79,387,500 | 4,881 |
| Average equity | $12,314,000 | 4,355 |
| Average total loans | $43,900,000 | 4,988 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,905 |
| Cost of funding earning assets | 0.3245% | 4,544 |
| Net interest margin | 3.8903% | 2,279 |
| Noninterest income to average assets | 0.5168% | 3,383 |
| Noninterest expense to average assets | 2.6108% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6201% | 683 |
| Return on assets (ROA) | 1.6079% | 730 |
| Pretax return on assets | 1.6079% | 1,217 |
| Return on Equity (ROE) | 11.5820% | 1,531 |
| Retained earnings to average equity (ytd only) | 8.4946% | 833 |
| Net charge-offs to loans | 0.1262% | 2,763 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 23.2105% | 1,596 |
| Efficiency ratio | 61.7077% | 4,952 |
| Assets per employee ($millions) | 5.1319% | 2,151 |
| Cash dividends to net income (ytd only)* | 26.6565% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 2,755 |
| Loan loss allowance to noncurrent loans | 121.2121% | 3,283 |
| Noncurrent assets plus other real estate owned to assets | 0.6430% | 3,645 |
| Noncurrent loans to loans | 1.1864% | 2,463 |
| Net loans and leases to total assets | 53.4210% | 4,647 |
| Net loans and leases to deposits | 62.9814% | 4,639 |
| Net loans and leases to core deposits | 67.9967% | 4,503 |
| Total domestic deposits to total assets | 84.8204% | 3,360 |
| Equity capital to assets | 14.7047% | 758 |
| Core capital (leverage) ratio | 14.4426% | 714 |
| Tier 1 risk-based capital ratio | 21.4351% | 1,319 |
| Total risk-based capital ratio | 22.6006% | 1,310 |
| Memoranda: | ||
| Average total assets | $81,659,400 | 5,026 |
| Average earning assets | $77,963,200 | 4,924 |
| Average equity | $11,336,600 | 4,490 |
| Average total loans | $45,160,600 | 4,990 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 2,762 |
| Cost of funding earning assets | 0.3258% | 4,603 |
| Net interest margin | 3.9388% | 2,081 |
| Noninterest income to average assets | 0.5559% | 3,165 |
| Noninterest expense to average assets | 2.6683% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6432% | 680 |
| Return on assets (ROA) | 1.6236% | 738 |
| Pretax return on assets | 1.6236% | 1,249 |
| Return on Equity (ROE) | 11.8718% | 1,509 |
| Retained earnings to average equity (ytd only) | 10.6762% | 562 |
| Net charge-offs to loans | 0.0883% | 2,950 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 33.4993% | 1,276 |
| Efficiency ratio | 61.8885% | 4,902 |
| Assets per employee ($millions) | 5.3593% | 1,849 |
| Cash dividends to net income (ytd only)* | 10.0705% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4654% | 2,877 |
| Loan loss allowance to noncurrent loans | 340.3061% | 1,369 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 5,250 |
| Noncurrent loans to loans | 0.4306% | 4,612 |
| Net loans and leases to total assets | 55.7912% | 4,357 |
| Net loans and leases to deposits | 65.7914% | 4,354 |
| Net loans and leases to core deposits | 70.8307% | 4,258 |
| Total domestic deposits to total assets | 84.8002% | 3,423 |
| Equity capital to assets | 14.8043% | 771 |
| Core capital (leverage) ratio | 14.4359% | 743 |
| Tier 1 risk-based capital ratio | 21.3395% | 1,386 |
| Total risk-based capital ratio | 22.5560% | 1,364 |
| Memoranda: | ||
| Average total assets | $81,546,750 | 5,077 |
| Average earning assets | $77,753,500 | 4,985 |
| Average equity | $11,152,250 | 4,563 |
| Average total loans | $45,324,750 | 5,033 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 2,747 |
| Cost of funding earning assets | 0.3254% | 4,698 |
| Net interest margin | 3.9324% | 2,035 |
| Noninterest income to average assets | 0.4833% | 3,607 |
| Noninterest expense to average assets | 2.6558% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5745% | 746 |
| Return on assets (ROA) | 1.5916% | 749 |
| Pretax return on assets | 1.5916% | 1,271 |
| Return on Equity (ROE) | 11.9604% | 1,433 |
| Retained earnings to average equity (ytd only) | 11.9604% | 429 |
| Net charge-offs to loans | 0.0663% | 3,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 1,003 |
| Efficiency ratio | 62.7813% | 4,894 |
| Assets per employee ($millions) | 4.2431% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5277% | 2,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 54.5293% | 4,477 |
| Net loans and leases to deposits | 63.7957% | 4,524 |
| Net loans and leases to core deposits | 70.0094% | 4,268 |
| Total domestic deposits to total assets | 85.4749% | 3,297 |
| Equity capital to assets | 14.2460% | 879 |
| Core capital (leverage) ratio | 13.9289% | 856 |
| Tier 1 risk-based capital ratio | 21.8142% | 1,287 |
| Total risk-based capital ratio | 23.0649% | 1,264 |
| Memoranda: | ||
| Average total assets | $81,932,670 | 5,112 |
| Average earning assets | $78,069,000 | 5,019 |
| Average equity | $10,902,670 | 4,634 |
| Average total loans | $45,260,670 | 5,064 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,638 |
| Cost of funding earning assets | 0.3252% | 4,788 |
| Net interest margin | 3.9433% | 1,947 |
| Noninterest income to average assets | 0.5618% | 2,972 |
| Noninterest expense to average assets | 2.6928% | 3,950 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6273% | 646 |
| Return on assets (ROA) | 1.6612% | 634 |
| Pretax return on assets | 1.6612% | 1,047 |
| Return on Equity (ROE) | 12.9294% | 1,176 |
| Retained earnings to average equity (ytd only) | 12.9294% | 490 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3318% | 5,079 |
| Assets per employee ($millions) | 4.3978% | 3,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5060% | 3,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 54.5549% | 4,344 |
| Net loans and leases to deposits | 62.8776% | 4,447 |
| Net loans and leases to core deposits | 69.3181% | 4,170 |
| Total domestic deposits to total assets | 86.7637% | 2,960 |
| Equity capital to assets | 13.0628% | 1,285 |
| Core capital (leverage) ratio | 13.4421% | 987 |
| Tier 1 risk-based capital ratio | 21.0020% | 1,474 |
| Total risk-based capital ratio | 22.2526% | 1,453 |
| Memoranda: | ||
| Average total assets | $82,589,500 | 5,144 |
| Average earning assets | $78,715,500 | 5,057 |
| Average equity | $10,611,500 | 4,703 |
| Average total loans | $45,569,500 | 5,093 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3558% | 2,751 |
| Cost of funding earning assets | 0.3721% | 4,926 |
| Net interest margin | 3.9837% | 1,998 |
| Noninterest income to average assets | 0.4719% | 3,946 |
| Noninterest expense to average assets | 2.6531% | 4,267 |
| Loan and lease loss provision to assets | 0.1031% | 3,075 |
| Net operating income to assets | 1.5213% | 783 |
| Return on assets (ROA) | 1.5249% | 820 |
| Pretax return on assets | 1.5249% | 1,364 |
| Return on Equity (ROE) | 12.0455% | 1,408 |
| Retained earnings to average equity (ytd only) | 6.3438% | 1,777 |
| Net charge-offs to loans | 0.0672% | 4,274 |
| Credit loss provision to net charge-offs | 283.3333% | 801 |
| Earnings coverage of net charge-offs (x) | 44.6333% | 865 |
| Efficiency ratio | 62.0250% | 5,213 |
| Assets per employee ($millions) | 4.8012% | 2,443 |
| Cash dividends to net income (ytd only)* | 47.3349% | 2,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5538% | 2,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 54.1037% | 4,569 |
| Net loans and leases to deposits | 62.7843% | 4,638 |
| Net loans and leases to core deposits | 66.7624% | 4,633 |
| Total domestic deposits to total assets | 86.1739% | 3,166 |
| Equity capital to assets | 12.6291% | 1,450 |
| Core capital (leverage) ratio | 12.9604% | 1,156 |
| Tier 1 risk-based capital ratio | 19.6573% | 1,735 |
| Total risk-based capital ratio | 20.9087% | 1,706 |
| Memoranda: | ||
| Average total assets | $82,432,000 | 5,182 |
| Average earning assets | $78,746,000 | 5,067 |
| Average equity | $10,435,400 | 4,757 |
| Average total loans | $44,646,200 | 5,161 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 2,926 |
| Cost of funding earning assets | 0.3759% | 5,039 |
| Net interest margin | 3.9394% | 2,148 |
| Noninterest income to average assets | 0.4615% | 4,068 |
| Noninterest expense to average assets | 2.6574% | 4,166 |
| Loan and lease loss provision to assets | 0.0807% | 3,448 |
| Net operating income to assets | 1.4941% | 912 |
| Return on assets (ROA) | 1.5038% | 934 |
| Pretax return on assets | 1.5038% | 1,595 |
| Return on Equity (ROE) | 11.8717% | 1,512 |
| Retained earnings to average equity (ytd only) | 5.8848% | 2,485 |
| Net charge-offs to loans | 0.0419% | 4,314 |
| Credit loss provision to net charge-offs | 357.1429% | 736 |
| Earnings coverage of net charge-offs (x) | 69.7001% | 668 |
| Efficiency ratio | 62.7907% | 5,016 |
| Assets per employee ($millions) | 5.1469% | 1,996 |
| Cash dividends to net income (ytd only)* | 50.4289% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5359% | 3,302 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 52.7820% | 4,779 |
| Net loans and leases to deposits | 60.4425% | 4,919 |
| Net loans and leases to core deposits | 63.3606% | 4,970 |
| Total domestic deposits to total assets | 87.3260% | 2,495 |
| Equity capital to assets | 12.3182% | 1,696 |
| Core capital (leverage) ratio | 12.8808% | 1,252 |
| Tier 1 risk-based capital ratio | 19.2835% | 1,910 |
| Total risk-based capital ratio | 20.5158% | 1,880 |
| Memoranda: | ||
| Average total assets | $82,634,750 | 5,227 |
| Average earning assets | $79,095,750 | 5,108 |
| Average equity | $10,467,250 | 4,800 |
| Average total loans | $44,593,500 | 5,218 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 3,039 |
| Cost of funding earning assets | 0.3788% | 5,151 |
| Net interest margin | 3.9013% | 2,205 |
| Noninterest income to average assets | 0.3989% | 4,539 |
| Noninterest expense to average assets | 2.6012% | 4,382 |
| Loan and lease loss provision to assets | 0.1209% | 2,810 |
| Net operating income to assets | 1.4118% | 1,055 |
| Return on assets (ROA) | 1.4167% | 1,130 |
| Pretax return on assets | 1.4167% | 1,873 |
| Return on Equity (ROE) | 11.0827% | 1,787 |
| Retained earnings to average equity (ytd only) | 8.3404% | 1,350 |
| Net charge-offs to loans | 0.0581% | 3,873 |
| Credit loss provision to net charge-offs | 384.6154% | 680 |
| Earnings coverage of net charge-offs (x) | 48.7692% | 813 |
| Efficiency ratio | 62.9240% | 5,028 |
| Assets per employee ($millions) | 4.7801% | 2,409 |
| Cash dividends to net income (ytd only)* | 24.7440% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 53.8480% | 4,609 |
| Net loans and leases to deposits | 61.7040% | 4,774 |
| Net loans and leases to core deposits | 64.6810% | 4,820 |
| Total domestic deposits to total assets | 87.2683% | 2,680 |
| Equity capital to assets | 12.4818% | 1,584 |
| Core capital (leverage) ratio | 12.7516% | 1,265 |
| Tier 1 risk-based capital ratio | 19.2048% | 1,937 |
| Total risk-based capital ratio | 20.4364% | 1,910 |
| Memoranda: | ||
| Average total assets | $82,729,670 | 5,254 |
| Average earning assets | $79,204,330 | 5,137 |
| Average equity | $10,575,000 | 4,814 |
| Average total loans | $44,743,330 | 5,234 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1890% | 3,349 |
| Cost of funding earning assets | 0.3804% | 5,282 |
| Net interest margin | 3.8087% | 2,415 |
| Noninterest income to average assets | 0.4169% | 4,333 |
| Noninterest expense to average assets | 2.6982% | 4,068 |
| Loan and lease loss provision to assets | 0.2396% | 1,516 |
| Net operating income to assets | 1.1262% | 1,759 |
| Return on assets (ROA) | 1.1406% | 1,828 |
| Pretax return on assets | 1.1406% | 2,809 |
| Return on Equity (ROE) | 8.8222% | 2,565 |
| Retained earnings to average equity (ytd only) | 3.4473% | 4,185 |
| Net charge-offs to loans | 0.7929% | 772 |
| Credit loss provision to net charge-offs | 56.1798% | 2,504 |
| Earnings coverage of net charge-offs (x) | 3.2022% | 2,818 |
| Efficiency ratio | 66.3915% | 4,595 |
| Assets per employee ($millions) | 4.4492% | 3,064 |
| Cash dividends to net income (ytd only)* | 60.9244% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 4,463 |
| Loan loss allowance to noncurrent loans | 1,722.8571% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0414% | 6,479 |
| Noncurrent loans to loans | 0.0784% | 6,250 |
| Net loans and leases to total assets | 52.0979% | 4,694 |
| Net loans and leases to deposits | 59.7912% | 4,815 |
| Net loans and leases to core deposits | 62.7910% | 4,874 |
| Total domestic deposits to total assets | 87.1331% | 2,879 |
| Equity capital to assets | 12.7083% | 1,585 |
| Core capital (leverage) ratio | 12.0129% | 1,554 |
| Tier 1 risk-based capital ratio | 19.2644% | 1,962 |
| Total risk-based capital ratio | 20.3988% | 1,974 |
| Memoranda: | ||
| Average total assets | $83,463,500 | 5,285 |
| Average earning assets | $79,923,000 | 5,158 |
| Average equity | $10,791,000 | 4,815 |
| Average total loans | $44,896,500 | 5,256 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9676% | 1,644 |
| Cost of funding earning assets | 0.4932% | 5,268 |
| Net interest margin | 4.4744% | 990 |
| Noninterest income to average assets | 0.5447% | 3,616 |
| Noninterest expense to average assets | 2.9027% | 3,629 |
| Loan and lease loss provision to assets | 0.0407% | 5,355 |
| Net operating income to assets | 1.8650% | 457 |
| Return on assets (ROA) | 2.8456% | 113 |
| Pretax return on assets | 2.8456% | 165 |
| Return on Equity (ROE) | 19.6570% | 315 |
| Retained earnings to average equity (ytd only) | 10.1334% | 572 |
| Net charge-offs to loans | 0.0113% | 5,769 |
| Credit loss provision to net charge-offs | 600.0000% | 404 |
| Earnings coverage of net charge-offs (x) | 280.6000% | 139 |
| Efficiency ratio | 60.3672% | 5,491 |
| Assets per employee ($millions) | 4.5773% | 2,825 |
| Cash dividends to net income (ytd only)* | 48.4487% | 2,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4220% | 4,057 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 54.0186% | 4,616 |
| Net loans and leases to deposits | 62.2467% | 4,758 |
| Net loans and leases to core deposits | 64.7808% | 4,868 |
| Total domestic deposits to total assets | 86.7815% | 2,949 |
| Equity capital to assets | 13.1554% | 1,375 |
| Core capital (leverage) ratio | 13.4506% | 963 |
| Tier 1 risk-based capital ratio | 18.8005% | 2,011 |
| Total risk-based capital ratio | 19.9900% | 1,997 |
| Memoranda: | ||
| Average total assets | $73,621,200 | 5,523 |
| Average earning assets | $70,155,200 | 5,427 |
| Average equity | $10,657,800 | 4,825 |
| Average total loans | $44,168,600 | 5,323 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1716% | 1,253 |
| Cost of funding earning assets | 0.5293% | 5,254 |
| Net interest margin | 4.6423% | 755 |
| Noninterest income to average assets | 0.5861% | 3,376 |
| Noninterest expense to average assets | 2.9175% | 3,527 |
| Loan and lease loss provision to assets | 0.0560% | 5,035 |
| Net operating income to assets | 2.0327% | 372 |
| Return on assets (ROA) | 2.5087% | 179 |
| Pretax return on assets | 2.5087% | 282 |
| Return on Equity (ROE) | 16.8854% | 622 |
| Retained earnings to average equity (ytd only) | 11.8600% | 554 |
| Net charge-offs to loans | 0.0212% | 5,369 |
| Credit loss provision to net charge-offs | 428.5714% | 626 |
| Earnings coverage of net charge-offs (x) | 159.9100% | 276 |
| Efficiency ratio | 58.2774% | 5,751 |
| Assets per employee ($millions) | 4.5424% | 2,839 |
| Cash dividends to net income (ytd only)* | 29.7618% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 4,180 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 60.0980% | 3,763 |
| Net loans and leases to deposits | 71.2610% | 3,710 |
| Net loans and leases to core deposits | 74.7131% | 3,888 |
| Total domestic deposits to total assets | 84.3350% | 4,062 |
| Equity capital to assets | 15.2660% | 760 |
| Core capital (leverage) ratio | 13.8957% | 867 |
| Tier 1 risk-based capital ratio | 19.4313% | 1,890 |
| Total risk-based capital ratio | 20.6735% | 1,868 |
| Memoranda: | ||
| Average total assets | $71,428,500 | 5,653 |
| Average earning assets | $68,010,250 | 5,553 |
| Average equity | $10,612,500 | 4,885 |
| Average total loans | $43,923,500 | 5,394 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 1,193 |
| Cost of funding earning assets | 0.5560% | 5,258 |
| Net interest margin | 4.6666% | 717 |
| Noninterest income to average assets | 0.5858% | 3,349 |
| Noninterest expense to average assets | 3.0248% | 3,167 |
| Loan and lease loss provision to assets | 0.0845% | 4,537 |
| Net operating income to assets | 1.9208% | 445 |
| Return on assets (ROA) | 2.6390% | 155 |
| Pretax return on assets | 2.6390% | 246 |
| Return on Equity (ROE) | 17.9301% | 518 |
| Retained earnings to average equity (ytd only) | 13.1462% | 424 |
| Net charge-offs to loans | 0.0183% | 5,156 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 259 |
| Efficiency ratio | 60.1344% | 5,554 |
| Assets per employee ($millions) | 4.1031% | 3,658 |
| Cash dividends to net income (ytd only)* | 26.6809% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4481% | 4,255 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 62.7357% | 3,280 |
| Net loans and leases to deposits | 75.9155% | 3,008 |
| Net loans and leases to core deposits | 79.4813% | 3,294 |
| Total domestic deposits to total assets | 82.6387% | 4,893 |
| Equity capital to assets | 15.4760% | 681 |
| Core capital (leverage) ratio | 13.6030% | 936 |
| Tier 1 risk-based capital ratio | 19.3686% | 1,883 |
| Total risk-based capital ratio | 20.6135% | 1,853 |
| Memoranda: | ||
| Average total assets | $71,012,000 | 5,701 |
| Average earning assets | $67,630,000 | 5,602 |
| Average equity | $10,451,670 | 4,923 |
| Average total loans | $43,792,000 | 5,437 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2324% | 1,247 |
| Cost of funding earning assets | 0.5749% | 5,320 |
| Net interest margin | 4.6576% | 738 |
| Noninterest income to average assets | 0.6700% | 2,815 |
| Noninterest expense to average assets | 3.1713% | 2,695 |
| Loan and lease loss provision to assets | 0.1675% | 3,300 |
| Net operating income to assets | 1.7643% | 643 |
| Return on assets (ROA) | 3.2048% | 104 |
| Pretax return on assets | 3.2048% | 156 |
| Return on Equity (ROE) | 22.3346% | 267 |
| Retained earnings to average equity (ytd only) | 14.5525% | 503 |
| Net charge-offs to loans | 0.0368% | 4,184 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 86.5000% | 393 |
| Efficiency ratio | 62.1444% | 5,258 |
| Assets per employee ($millions) | 4.1803% | 3,621 |
| Cash dividends to net income (ytd only)* | 34.8432% | 1,928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4821% | 4,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 60.2378% | 3,614 |
| Net loans and leases to deposits | 70.5797% | 3,642 |
| Net loans and leases to core deposits | 74.3659% | 3,854 |
| Total domestic deposits to total assets | 85.3472% | 3,859 |
| Equity capital to assets | 14.4431% | 875 |
| Core capital (leverage) ratio | 12.9696% | 1,138 |
| Tier 1 risk-based capital ratio | 18.8542% | 2,031 |
| Total risk-based capital ratio | 20.1022% | 1,997 |
| Memoranda: | ||
| Average total assets | $71,641,500 | 5,725 |
| Average earning assets | $68,190,000 | 5,620 |
| Average equity | $10,280,000 | 4,978 |
| Average total loans | $43,486,500 | 5,489 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3454% | 1,578 |
| Cost of funding earning assets | 0.8163% | 4,736 |
| Net interest margin | 4.5290% | 1,070 |
| Noninterest income to average assets | 0.6618% | 2,825 |
| Noninterest expense to average assets | 2.9904% | 3,626 |
| Loan and lease loss provision to assets | 0.0287% | 6,211 |
| Net operating income to assets | 1.9438% | 347 |
| Return on assets (ROA) | 1.9438% | 372 |
| Pretax return on assets | 1.9438% | 603 |
| Return on Equity (ROE) | 14.6657% | 802 |
| Retained earnings to average equity (ytd only) | 10.9289% | 414 |
| Net charge-offs to loans | 0.0266% | 6,061 |
| Credit loss provision to net charge-offs | 181.8182% | 1,422 |
| Earnings coverage of net charge-offs (x) | 124.9091% | 261 |
| Efficiency ratio | 60.2546% | 5,714 |
| Assets per employee ($millions) | 4.0121% | 3,826 |
| Cash dividends to net income (ytd only)* | 25.4801% | 3,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 4,381 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 59.4090% | 4,111 |
| Net loans and leases to deposits | 69.3723% | 4,225 |
| Net loans and leases to core deposits | 72.4913% | 4,446 |
| Total domestic deposits to total assets | 85.6379% | 3,518 |
| Equity capital to assets | 14.2568% | 986 |
| Core capital (leverage) ratio | 12.3013% | 1,439 |
| Tier 1 risk-based capital ratio | 17.7654% | 2,274 |
| Total risk-based capital ratio | 18.9742% | 2,268 |
| Memoranda: | ||
| Average total assets | $69,657,000 | 5,751 |
| Average earning assets | $66,150,800 | 5,661 |
| Average equity | $9,232,400 | 5,221 |
| Average total loans | $41,427,600 | 5,618 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3373% | 1,728 |
| Cost of funding earning assets | 0.8746% | 4,597 |
| Net interest margin | 4.4627% | 1,239 |
| Noninterest income to average assets | 0.6897% | 2,669 |
| Noninterest expense to average assets | 2.9074% | 3,901 |
| Loan and lease loss provision to assets | 0.0290% | 6,074 |
| Net operating income to assets | 1.9917% | 348 |
| Return on assets (ROA) | 1.9917% | 381 |
| Pretax return on assets | 1.9917% | 637 |
| Return on Equity (ROE) | 15.3307% | 781 |
| Retained earnings to average equity (ytd only) | 14.2155% | 286 |
| Net charge-offs to loans | 0.0196% | 5,879 |
| Credit loss provision to net charge-offs | 250.0000% | 1,141 |
| Earnings coverage of net charge-offs (x) | 174.3288% | 220 |
| Efficiency ratio | 58.9965% | 5,866 |
| Assets per employee ($millions) | 4.1311% | 3,581 |
| Cash dividends to net income (ytd only)* | 7.2747% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 4,210 |
| Loan loss allowance to noncurrent loans | 670.6522% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1237% | 6,735 |
| Noncurrent loans to loans | 0.2206% | 6,435 |
| Net loans and leases to total assets | 55.2630% | 4,963 |
| Net loans and leases to deposits | 64.0986% | 5,156 |
| Net loans and leases to core deposits | 66.4785% | 5,366 |
| Total domestic deposits to total assets | 86.2155% | 3,084 |
| Equity capital to assets | 13.4604% | 1,388 |
| Core capital (leverage) ratio | 12.0157% | 1,695 |
| Tier 1 risk-based capital ratio | 18.1170% | 2,212 |
| Total risk-based capital ratio | 19.3569% | 2,178 |
| Memoranda: | ||
| Average total assets | $69,016,750 | 5,813 |
| Average earning assets | $65,549,500 | 5,730 |
| Average equity | $8,966,500 | 5,316 |
| Average total loans | $40,904,250 | 5,701 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4068% | 1,544 |
| Cost of funding earning assets | 0.9722% | 4,153 |
| Net interest margin | 4.4346% | 1,282 |
| Noninterest income to average assets | 0.6782% | 2,663 |
| Noninterest expense to average assets | 2.9538% | 3,817 |
| Loan and lease loss provision to assets | 0.0446% | 5,754 |
| Net operating income to assets | 1.8859% | 421 |
| Return on assets (ROA) | 1.8799% | 455 |
| Pretax return on assets | 1.8799% | 744 |
| Return on Equity (ROE) | 14.6653% | 863 |
| Retained earnings to average equity (ytd only) | 14.6653% | 269 |
| Net charge-offs to loans | 0.0345% | 5,372 |
| Credit loss provision to net charge-offs | 214.2857% | 1,393 |
| Earnings coverage of net charge-offs (x) | 92.7143% | 388 |
| Efficiency ratio | 60.4750% | 5,804 |
| Assets per employee ($millions) | 4.0494% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 4,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 6,847 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 56.8103% | 4,848 |
| Net loans and leases to deposits | 65.2686% | 5,102 |
| Net loans and leases to core deposits | 67.9560% | 5,293 |
| Total domestic deposits to total assets | 87.0407% | 2,720 |
| Equity capital to assets | 12.6931% | 1,682 |
| Core capital (leverage) ratio | 12.2521% | 1,479 |
| Tier 1 risk-based capital ratio | 17.4375% | 2,362 |
| Total risk-based capital ratio | 18.6754% | 2,334 |
| Memoranda: | ||
| Average total assets | $67,236,000 | 5,912 |
| Average earning assets | $63,771,000 | 5,834 |
| Average equity | $8,619,000 | 5,423 |
| Average total loans | $40,635,670 | 5,772 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5940% | 1,067 |
| Cost of funding earning assets | 1.0952% | 3,558 |
| Net interest margin | 4.4988% | 1,076 |
| Noninterest income to average assets | 0.8011% | 2,031 |
| Noninterest expense to average assets | 3.1548% | 3,052 |
| Loan and lease loss provision to assets | 0.0932% | 4,851 |
| Net operating income to assets | 1.8134% | 482 |
| Return on assets (ROA) | 1.8072% | 508 |
| Pretax return on assets | 1.8072% | 804 |
| Return on Equity (ROE) | 14.0199% | 987 |
| Retained earnings to average equity (ytd only) | 14.0199% | 471 |
| Net charge-offs to loans | 0.1402% | 3,666 |
| Credit loss provision to net charge-offs | 107.1429% | 2,486 |
| Earnings coverage of net charge-offs (x) | 21.9286% | 1,067 |
| Efficiency ratio | 62.3313% | 5,629 |
| Assets per employee ($millions) | 3.8146% | 4,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 4,178 |
| Loan loss allowance to noncurrent loans | 4,066.6667% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 6,826 |
| Noncurrent loans to loans | 0.0370% | 6,957 |
| Net loans and leases to total assets | 61.5038% | 3,965 |
| Net loans and leases to deposits | 71.0995% | 4,186 |
| Net loans and leases to core deposits | 75.2287% | 4,391 |
| Total domestic deposits to total assets | 86.5038% | 3,231 |
| Equity capital to assets | 13.2587% | 1,277 |
| Core capital (leverage) ratio | 12.7789% | 1,206 |
| Tier 1 risk-based capital ratio | 17.7917% | 2,185 |
| Total risk-based capital ratio | 18.7612% | 2,257 |
| Memoranda: | ||
| Average total assets | $64,409,000 | 6,051 |
| Average earning assets | $60,993,500 | 5,965 |
| Average equity | $8,302,500 | 5,520 |
| Average total loans | $39,940,500 | 5,852 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7382% | 1,443 |
| Cost of funding earning assets | 1.3043% | 3,856 |
| Net interest margin | 4.4339% | 1,391 |
| Noninterest income to average assets | 0.6889% | 2,909 |
| Noninterest expense to average assets | 3.0414% | 3,689 |
| Loan and lease loss provision to assets | 0.1349% | 5,824 |
| Net operating income to assets | 1.7271% | 488 |
| Return on assets (ROA) | 2.1001% | 247 |
| Pretax return on assets | 2.1001% | 388 |
| Return on Equity (ROE) | 16.1389% | 569 |
| Retained earnings to average equity (ytd only) | 7.1118% | 1,270 |
| Net charge-offs to loans | 0.1820% | 5,217 |
| Credit loss provision to net charge-offs | 121.4286% | 3,462 |
| Earnings coverage of net charge-offs (x) | 16.7571% | 1,190 |
| Efficiency ratio | 62.0265% | 5,727 |
| Assets per employee ($millions) | 3.7629% | 4,336 |
| Cash dividends to net income (ytd only)* | 55.9335% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5462% | 3,792 |
| Loan loss allowance to noncurrent loans | 8,700.0000% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 6,933 |
| Noncurrent loans to loans | 0.0178% | 7,102 |
| Net loans and leases to total assets | 60.6190% | 4,561 |
| Net loans and leases to deposits | 70.7008% | 4,728 |
| Net loans and leases to core deposits | 73.0104% | 5,096 |
| Total domestic deposits to total assets | 85.7402% | 3,479 |
| Equity capital to assets | 12.5168% | 1,622 |
| Core capital (leverage) ratio | 12.4053% | 1,343 |
| Tier 1 risk-based capital ratio | 17.6172% | 2,122 |
| Total risk-based capital ratio | 18.8676% | 2,093 |
| Memoranda: | ||
| Average total assets | $62,997,200 | 6,088 |
| Average earning assets | $59,879,600 | 6,000 |
| Average equity | $8,197,600 | 5,654 |
| Average total loans | $38,467,800 | 5,988 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7216% | 1,638 |
| Cost of funding earning assets | 1.3159% | 4,129 |
| Net interest margin | 4.4057% | 1,508 |
| Noninterest income to average assets | 0.7096% | 2,769 |
| Noninterest expense to average assets | 2.8619% | 4,234 |
| Loan and lease loss provision to assets | 0.1062% | 5,974 |
| Net operating income to assets | 1.9313% | 381 |
| Return on assets (ROA) | 2.4051% | 169 |
| Pretax return on assets | 2.4051% | 268 |
| Return on Equity (ROE) | 18.3051% | 455 |
| Retained earnings to average equity (ytd only) | 11.7560% | 486 |
| Net charge-offs to loans | 0.1221% | 5,326 |
| Credit loss provision to net charge-offs | 142.8571% | 2,754 |
| Earnings coverage of net charge-offs (x) | 27.3973% | 934 |
| Efficiency ratio | 58.4128% | 6,201 |
| Assets per employee ($millions) | 3.8337% | 4,184 |
| Cash dividends to net income (ytd only)* | 35.7775% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4978% | 3,976 |
| Loan loss allowance to noncurrent loans | 290.9091% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 6,583 |
| Noncurrent loans to loans | 0.5149% | 6,170 |
| Net loans and leases to total assets | 61.3536% | 4,657 |
| Net loans and leases to deposits | 75.2055% | 4,317 |
| Net loans and leases to core deposits | 78.9941% | 4,664 |
| Total domestic deposits to total assets | 81.5813% | 5,166 |
| Equity capital to assets | 13.5562% | 1,330 |
| Core capital (leverage) ratio | 12.6952% | 1,334 |
| Tier 1 risk-based capital ratio | 17.7086% | 2,109 |
| Total risk-based capital ratio | 18.9586% | 2,076 |
| Memoranda: | ||
| Average total assets | $62,754,000 | 6,165 |
| Average earning assets | $59,678,500 | 6,070 |
| Average equity | $8,245,250 | 5,716 |
| Average total loans | $38,238,000 | 6,084 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7432% | 1,584 |
| Cost of funding earning assets | 1.3256% | 4,375 |
| Net interest margin | 4.4176% | 1,404 |
| Noninterest income to average assets | 0.7200% | 2,576 |
| Noninterest expense to average assets | 2.8153% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.1115% | 275 |
| Return on assets (ROA) | 2.6700% | 118 |
| Pretax return on assets | 2.6700% | 179 |
| Return on Equity (ROE) | 20.5500% | 285 |
| Retained earnings to average equity (ytd only) | 13.8408% | 316 |
| Net charge-offs to loans | -0.0694% | 7,500 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1429% | 6,491 |
| Assets per employee ($millions) | 3.8637% | 4,066 |
| Cash dividends to net income (ytd only)* | 32.6481% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5578% | 3,633 |
| Loan loss allowance to noncurrent loans | 1,893.7500% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 7,261 |
| Noncurrent loans to loans | 0.0823% | 7,102 |
| Net loans and leases to total assets | 61.9486% | 4,693 |
| Net loans and leases to deposits | 77.9943% | 3,964 |
| Net loans and leases to core deposits | 82.2420% | 4,383 |
| Total domestic deposits to total assets | 79.4270% | 5,911 |
| Equity capital to assets | 13.2532% | 1,454 |
| Core capital (leverage) ratio | 12.7934% | 1,285 |
| Tier 1 risk-based capital ratio | 17.9492% | 1,973 |
| Total risk-based capital ratio | 19.2005% | 1,938 |
| Memoranda: | ||
| Average total assets | $61,947,670 | 6,238 |
| Average earning assets | $58,991,000 | 6,142 |
| Average equity | $8,048,670 | 5,783 |
| Average total loans | $37,452,670 | 6,167 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6219% | 2,061 |
| Cost of funding earning assets | 1.3379% | 4,576 |
| Net interest margin | 4.2840% | 1,737 |
| Noninterest income to average assets | 0.7418% | 2,351 |
| Noninterest expense to average assets | 2.8317% | 4,364 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9996% | 348 |
| Return on assets (ROA) | 2.5737% | 148 |
| Pretax return on assets | 2.5737% | 226 |
| Return on Equity (ROE) | 20.0088% | 383 |
| Retained earnings to average equity (ytd only) | 13.2389% | 590 |
| Net charge-offs to loans | -0.1416% | 7,598 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6115% | 6,390 |
| Assets per employee ($millions) | 3.7886% | 4,342 |
| Cash dividends to net income (ytd only)* | 33.8346% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6454% | 3,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 59.8552% | 5,143 |
| Net loans and leases to deposits | 72.8355% | 4,940 |
| Net loans and leases to core deposits | 76.7245% | 5,163 |
| Total domestic deposits to total assets | 82.1786% | 4,996 |
| Equity capital to assets | 13.4152% | 1,355 |
| Core capital (leverage) ratio | 12.3658% | 1,463 |
| Tier 1 risk-based capital ratio | 18.0934% | 1,925 |
| Total risk-based capital ratio | 19.3464% | 1,893 |
| Memoranda: | ||
| Average total assets | $62,012,000 | 6,307 |
| Average earning assets | $59,197,500 | 6,202 |
| Average equity | $7,976,500 | 5,857 |
| Average total loans | $36,728,000 | 6,274 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0580% | 1,649 |
| Cost of funding earning assets | 1.5492% | 5,287 |
| Net interest margin | 4.5087% | 1,160 |
| Noninterest income to average assets | 0.7369% | 2,754 |
| Noninterest expense to average assets | 2.9379% | 4,396 |
| Loan and lease loss provision to assets | 0.0808% | 6,799 |
| Net operating income to assets | 2.0167% | 225 |
| Return on assets (ROA) | 2.3448% | 120 |
| Pretax return on assets | 2.3448% | 204 |
| Return on Equity (ROE) | 19.6666% | 261 |
| Retained earnings to average equity (ytd only) | 9.7723% | 391 |
| Net charge-offs to loans | 0.1454% | 5,788 |
| Credit loss provision to net charge-offs | 92.5926% | 5,911 |
| Earnings coverage of net charge-offs (x) | 24.0370% | 917 |
| Efficiency ratio | 58.3440% | 6,717 |
| Assets per employee ($millions) | 3.9629% | 3,893 |
| Cash dividends to net income (ytd only)* | 50.3101% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 3,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 56.7344% | 5,867 |
| Net loans and leases to deposits | 71.2577% | 5,434 |
| Net loans and leases to core deposits | 92.4732% | 4,831 |
| Total domestic deposits to total assets | 79.6186% | 5,808 |
| Equity capital to assets | 12.3348% | 1,830 |
| Core capital (leverage) ratio | 11.7769% | 1,768 |
| Tier 1 risk-based capital ratio | 17.4030% | 2,055 |
| Total risk-based capital ratio | 18.6554% | 2,010 |
| Memoranda: | ||
| Average total assets | $61,881,800 | 6,276 |
| Average earning assets | $58,996,800 | 6,161 |
| Average equity | $7,378,000 | 6,139 |
| Average total loans | $37,138,600 | 6,245 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1148% | 1,595 |
| Cost of funding earning assets | 1.6065% | 5,371 |
| Net interest margin | 4.5083% | 1,173 |
| Noninterest income to average assets | 0.7631% | 2,632 |
| Noninterest expense to average assets | 2.9701% | 4,164 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0942% | 239 |
| Return on assets (ROA) | 2.3370% | 157 |
| Pretax return on assets | 2.3370% | 270 |
| Return on Equity (ROE) | 19.7778% | 324 |
| Retained earnings to average equity (ytd only) | 12.3473% | 314 |
| Net charge-offs to loans | -0.0036% | 7,612 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6473% | 6,624 |
| Assets per employee ($millions) | 4.2260% | 3,328 |
| Cash dividends to net income (ytd only)* | 37.5697% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6056% | 2,967 |
| Loan loss allowance to noncurrent loans | 2,392.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0394% | 7,480 |
| Noncurrent loans to loans | 0.0671% | 7,334 |
| Net loans and leases to total assets | 57.8104% | 5,916 |
| Net loans and leases to deposits | 73.8980% | 5,376 |
| Net loans and leases to core deposits | 95.9872% | 4,814 |
| Total domestic deposits to total assets | 78.2300% | 6,015 |
| Equity capital to assets | 12.5177% | 1,943 |
| Core capital (leverage) ratio | 11.7765% | 1,918 |
| Tier 1 risk-based capital ratio | 17.2144% | 2,209 |
| Total risk-based capital ratio | 18.4658% | 2,154 |
| Memoranda: | ||
| Average total assets | $61,500,750 | 6,334 |
| Average earning assets | $58,676,000 | 6,228 |
| Average equity | $7,267,250 | 6,240 |
| Average total loans | $37,281,750 | 6,275 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1501% | 1,615 |
| Cost of funding earning assets | 1.6858% | 5,342 |
| Net interest margin | 4.4643% | 1,256 |
| Noninterest income to average assets | 0.7426% | 2,741 |
| Noninterest expense to average assets | 2.9374% | 4,348 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0601% | 256 |
| Return on assets (ROA) | 2.3755% | 151 |
| Pretax return on assets | 2.3755% | 262 |
| Return on Equity (ROE) | 20.5262% | 302 |
| Retained earnings to average equity (ytd only) | 12.8608% | 344 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7771% | 6,726 |
| Assets per employee ($millions) | 3.7843% | 4,137 |
| Cash dividends to net income (ytd only)* | 37.3444% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6214% | 2,651 |
| Loan loss allowance to noncurrent loans | 2,388.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 7,504 |
| Noncurrent loans to loans | 0.0679% | 7,356 |
| Net loans and leases to total assets | 59.8243% | 5,704 |
| Net loans and leases to deposits | 73.9652% | 5,458 |
| Net loans and leases to core deposits | 95.0136% | 5,003 |
| Total domestic deposits to total assets | 80.8816% | 5,118 |
| Equity capital to assets | 11.9341% | 2,245 |
| Core capital (leverage) ratio | 11.8009% | 1,920 |
| Tier 1 risk-based capital ratio | 17.1897% | 2,241 |
| Total risk-based capital ratio | 18.4418% | 2,180 |
| Memoranda: | ||
| Average total assets | $60,871,000 | 6,418 |
| Average earning assets | $58,015,670 | 6,312 |
| Average equity | $7,044,670 | 6,354 |
| Average total loans | $37,294,330 | 6,328 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1469% | 1,775 |
| Cost of funding earning assets | 1.8289% | 4,984 |
| Net interest margin | 4.3179% | 1,553 |
| Noninterest income to average assets | 0.7537% | 2,576 |
| Noninterest expense to average assets | 2.9493% | 3,977 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9203% | 407 |
| Return on assets (ROA) | 2.1366% | 303 |
| Pretax return on assets | 2.1366% | 507 |
| Return on Equity (ROE) | 18.7518% | 528 |
| Retained earnings to average equity (ytd only) | 10.9865% | 972 |
| Net charge-offs to loans | -0.0107% | 7,286 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5653% | 6,313 |
| Assets per employee ($millions) | 3.8234% | 4,032 |
| Cash dividends to net income (ytd only)* | 41.4110% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6031% | 2,505 |
| Loan loss allowance to noncurrent loans | 460.0000% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.2125% | 6,885 |
| Noncurrent loans to loans | 0.3485% | 6,559 |
| Net loans and leases to total assets | 59.9993% | 5,649 |
| Net loans and leases to deposits | 72.7763% | 5,646 |
| Net loans and leases to core deposits | 93.4253% | 5,212 |
| Total domestic deposits to total assets | 82.4435% | 4,392 |
| Equity capital to assets | 11.6324% | 2,492 |
| Core capital (leverage) ratio | 11.2384% | 2,310 |
| Tier 1 risk-based capital ratio | 16.4469% | 2,535 |
| Total risk-based capital ratio | 17.6994% | 2,472 |
| Memoranda: | ||
| Average total assets | $61,032,000 | 6,438 |
| Average earning assets | $58,176,000 | 6,332 |
| Average equity | $6,954,000 | 6,429 |
| Average total loans | $37,531,500 | 6,354 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7890% | 1,714 |
| Cost of funding earning assets | 2.4881% | 4,268 |
| Net interest margin | 4.3008% | 1,966 |
| Noninterest income to average assets | 0.7587% | 2,732 |
| Noninterest expense to average assets | 2.9903% | 4,108 |
| Loan and lease loss provision to assets | 0.4110% | 3,231 |
| Net operating income to assets | 1.4249% | 1,180 |
| Return on assets (ROA) | 1.5551% | 890 |
| Pretax return on assets | 1.5551% | 1,525 |
| Return on Equity (ROE) | 15.6893% | 815 |
| Retained earnings to average equity (ytd only) | 7.7410% | 919 |
| Net charge-offs to loans | 0.0972% | 5,353 |
| Credit loss provision to net charge-offs | 631.5789% | 678 |
| Earnings coverage of net charge-offs (x) | 28.2105% | 1,220 |
| Efficiency ratio | 61.9588% | 5,957 |
| Assets per employee ($millions) | 3.8056% | 3,944 |
| Cash dividends to net income (ytd only)* | 50.6608% | 3,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 2,326 |
| Loan loss allowance to noncurrent loans | 459.2308% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 6,718 |
| Noncurrent loans to loans | 0.3443% | 6,345 |
| Net loans and leases to total assets | 61.0347% | 5,766 |
| Net loans and leases to deposits | 73.4699% | 5,899 |
| Net loans and leases to core deposits | 95.6602% | 5,283 |
| Total domestic deposits to total assets | 83.0744% | 3,733 |
| Equity capital to assets | 11.1545% | 2,916 |
| Core capital (leverage) ratio | 11.2139% | 2,421 |
| Tier 1 risk-based capital ratio | 15.9893% | 2,667 |
| Total risk-based capital ratio | 17.2415% | 2,614 |
| Memoranda: | ||
| Average total assets | $58,388,600 | 6,435 |
| Average earning assets | $55,222,000 | 6,361 |
| Average equity | $5,787,400 | 6,882 |
| Average total loans | $39,076,600 | 6,222 |