Home > The Stockgrowers State Bank > Performance and Condition Ratios
The Stockgrowers State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1481% | 1,762 |
| Cost of funding earning assets | 1.6197% | 1,639 |
| Net interest margin | 3.5284% | 2,124 |
| Noninterest income to average assets | 0.1900% | 3,826 |
| Noninterest expense to average assets | 2.1732% | 3,195 |
| Loan and lease loss provision to assets | 0.0700% | 1,699 |
| Net operating income to assets | 1.2053% | 1,638 |
| Return on assets (ROA) | 1.2081% | 1,603 |
| Pretax return on assets | 1.2569% | 1,991 |
| Return on Equity (ROE) | 11.2900% | 2,148 |
| Retained earnings to average equity (ytd only) | 3.6920% | 3,057 |
| Net charge-offs to loans | -0.0029% | 3,739 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 62.1955% | 2,811 |
| Assets per employee ($millions) | 7.3058% | 1,863 |
| Cash dividends to net income (ytd only)* | 67.3001% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4907% | 1,083 |
| Loan loss allowance to noncurrent loans | 52,200.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 3,839 |
| Noncurrent loans to loans | 0.0029% | 3,776 |
| Net loans and leases to total assets | 62.9600% | 2,578 |
| Net loans and leases to deposits | 82.4285% | 1,912 |
| Net loans and leases to core deposits | 87.1451% | 2,236 |
| Total domestic deposits to total assets | 76.3800% | 3,908 |
| Equity capital to assets | 10.7741% | 1,597 |
| Core capital (leverage) ratio | 11.7628% | 1,530 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $104,544,200 | 3,785 |
| Average earning assets | $97,919,800 | 3,765 |
| Average equity | $11,186,200 | 3,600 |
| Average total loans | $68,333,800 | 3,575 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0510% | 1,730 |
| Cost of funding earning assets | 1.5077% | 1,582 |
| Net interest margin | 3.5433% | 2,126 |
| Noninterest income to average assets | 0.2000% | 3,768 |
| Noninterest expense to average assets | 2.2023% | 3,063 |
| Loan and lease loss provision to assets | 0.0600% | 1,749 |
| Net operating income to assets | 1.2047% | 1,785 |
| Return on assets (ROA) | 1.2122% | 1,751 |
| Pretax return on assets | 1.2586% | 2,151 |
| Return on Equity (ROE) | 11.3500% | 2,291 |
| Retained earnings to average equity (ytd only) | 1.7405% | 3,782 |
| Net charge-offs to loans | -0.0020% | 3,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 62.6055% | 2,650 |
| Assets per employee ($millions) | 6.5726% | 2,272 |
| Cash dividends to net income (ytd only)* | 84.6645% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4731% | 1,186 |
| Loan loss allowance to noncurrent loans | 51,100.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 3,324 |
| Noncurrent loans to loans | 0.0029% | 3,799 |
| Net loans and leases to total assets | 65.0000% | 2,347 |
| Net loans and leases to deposits | 92.4891% | 1,014 |
| Net loans and leases to core deposits | 98.4857% | 1,419 |
| Total domestic deposits to total assets | 70.2800% | 4,318 |
| Equity capital to assets | 10.0417% | 1,812 |
| Core capital (leverage) ratio | 11.7530% | 1,553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $103,283,500 | 3,814 |
| Average earning assets | $96,744,500 | 3,788 |
| Average equity | $11,031,000 | 3,613 |
| Average total loans | $67,908,500 | 3,593 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9652% | 1,620 |
| Cost of funding earning assets | 1.3764% | 1,514 |
| Net interest margin | 3.5889% | 2,062 |
| Noninterest income to average assets | 0.2000% | 3,770 |
| Noninterest expense to average assets | 2.1723% | 3,161 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.2608% | 1,662 |
| Return on assets (ROA) | 1.2683% | 1,639 |
| Pretax return on assets | 1.3151% | 2,039 |
| Return on Equity (ROE) | 11.6400% | 2,262 |
| Retained earnings to average equity (ytd only) | 0.2860% | 4,025 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.7298% | 2,864 |
| Assets per employee ($millions) | 6.0536% | 2,668 |
| Cash dividends to net income (ytd only)* | 97.5422% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,087 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 3,301 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 63.8800% | 2,399 |
| Net loans and leases to deposits | 84.2202% | 1,652 |
| Net loans and leases to core deposits | 87.5641% | 1,961 |
| Total domestic deposits to total assets | 75.8500% | 4,057 |
| Equity capital to assets | 10.7180% | 1,503 |
| Core capital (leverage) ratio | 11.6333% | 1,549 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $102,657,667 | 3,833 |
| Average earning assets | $96,632,000 | 3,806 |
| Average equity | $11,188,000 | 3,616 |
| Average total loans | $67,419,000 | 3,604 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8384% | 1,531 |
| Cost of funding earning assets | 1.1185% | 1,701 |
| Net interest margin | 3.7200% | 1,852 |
| Noninterest income to average assets | 0.2100% | 3,716 |
| Noninterest expense to average assets | 2.1652% | 3,206 |
| Loan and lease loss provision to assets | 0.1200% | 916 |
| Net operating income to assets | 1.3970% | 1,417 |
| Return on assets (ROA) | 1.4123% | 1,346 |
| Pretax return on assets | 1.4474% | 1,777 |
| Return on Equity (ROE) | 12.8500% | 2,014 |
| Retained earnings to average equity (ytd only) | 9.6565% | 1,781 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 58.2983% | 3,164 |
| Assets per employee ($millions) | 6.0459% | 2,725 |
| Cash dividends to net income (ytd only)* | 24.8619% | 1,860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 1,265 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 3,310 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 64.0800% | 2,245 |
| Net loans and leases to deposits | 85.6392% | 1,384 |
| Net loans and leases to core deposits | 88.9471% | 1,679 |
| Total domestic deposits to total assets | 74.8200% | 4,239 |
| Equity capital to assets | 11.1987% | 1,267 |
| Core capital (leverage) ratio | 12.8776% | 1,021 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $102,531,000 | 3,886 |
| Average earning assets | $96,560,000 | 3,856 |
| Average equity | $11,267,000 | 3,648 |
| Average total loans | $67,745,500 | 3,645 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 1,064 |
| Cost of funding earning assets | 0.6155% | 842 |
| Net interest margin | 3.6787% | 1,427 |
| Noninterest income to average assets | 0.2100% | 3,885 |
| Noninterest expense to average assets | 2.0722% | 3,380 |
| Loan and lease loss provision to assets | 0.2900% | 299 |
| Net operating income to assets | 1.2480% | 1,610 |
| Return on assets (ROA) | 1.2526% | 1,541 |
| Pretax return on assets | 1.3106% | 2,055 |
| Return on Equity (ROE) | 11.9200% | 2,167 |
| Retained earnings to average equity (ytd only) | 11.0876% | 865 |
| Net charge-offs to loans | -0.0062% | 3,673 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 56.4954% | 3,527 |
| Assets per employee ($millions) | 6.0166% | 2,749 |
| Cash dividends to net income (ytd only)* | 6.9444% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,446 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0479% | 3,329 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 66.1500% | 2,025 |
| Net loans and leases to deposits | 83.4592% | 1,503 |
| Net loans and leases to core deposits | 86.5002% | 1,711 |
| Total domestic deposits to total assets | 79.2600% | 3,972 |
| Equity capital to assets | 10.7780% | 1,344 |
| Core capital (leverage) ratio | 13.0232% | 931 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $103,464,200 | 3,897 |
| Average earning assets | $97,154,800 | 3,865 |
| Average equity | $10,877,000 | 3,774 |
| Average total loans | $64,582,200 | 3,665 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 984 |
| Cost of funding earning assets | 0.5120% | 714 |
| Net interest margin | 3.6331% | 1,312 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 2.0097% | 3,459 |
| Loan and lease loss provision to assets | 0.3500% | 176 |
| Net operating income to assets | 1.2363% | 1,568 |
| Return on assets (ROA) | 1.2426% | 1,521 |
| Pretax return on assets | 1.2734% | 2,128 |
| Return on Equity (ROE) | 11.8900% | 2,073 |
| Retained earnings to average equity (ytd only) | 11.4017% | 945 |
| Net charge-offs to loans | -0.0021% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 55.3628% | 3,682 |
| Assets per employee ($millions) | 6.3318% | 2,454 |
| Cash dividends to net income (ytd only)* | 4.1365% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 1,654 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0484% | 3,413 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 66.3400% | 1,852 |
| Net loans and leases to deposits | 86.3005% | 1,150 |
| Net loans and leases to core deposits | 88.9716% | 1,360 |
| Total domestic deposits to total assets | 76.8700% | 4,328 |
| Equity capital to assets | 10.1896% | 1,529 |
| Core capital (leverage) ratio | 12.4331% | 1,074 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5928% | 1,537 |
| Memoranda: | ||
| Average total assets | $103,759,750 | 3,922 |
| Average earning assets | $97,398,250 | 3,885 |
| Average equity | $10,840,250 | 3,828 |
| Average total loans | $63,570,500 | 3,697 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0431% | 867 |
| Cost of funding earning assets | 0.4791% | 592 |
| Net interest margin | 3.5640% | 1,148 |
| Noninterest income to average assets | 0.2238% | 3,853 |
| Noninterest expense to average assets | 2.2051% | 2,838 |
| Loan and lease loss provision to assets | 0.2869% | 234 |
| Net operating income to assets | 1.0634% | 1,925 |
| Return on assets (ROA) | 1.0729% | 1,858 |
| Pretax return on assets | 1.0844% | 2,462 |
| Return on Equity (ROE) | 10.1883% | 2,270 |
| Retained earnings to average equity (ytd only) | 10.1883% | 971 |
| Net charge-offs to loans | -0.0032% | 3,221 |
| Credit loss provision to net charge-offs | -15,000.0000% | 3,870 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8231% | 3,063 |
| Assets per employee ($millions) | 6.4651% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,565 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 3,515 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 63.9389% | 1,919 |
| Net loans and leases to deposits | 82.3177% | 1,224 |
| Net loans and leases to core deposits | 84.6157% | 1,415 |
| Total domestic deposits to total assets | 77.6733% | 4,371 |
| Equity capital to assets | 10.2919% | 1,538 |
| Core capital (leverage) ratio | 11.7607% | 1,232 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,576,667 | 3,952 |
| Average earning assets | $98,092,667 | 3,930 |
| Average equity | $11,012,667 | 3,890 |
| Average total loans | $62,042,333 | 3,755 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8120% | 1,063 |
| Cost of funding earning assets | 0.4765% | 561 |
| Net interest margin | 3.3355% | 1,482 |
| Noninterest income to average assets | 0.2206% | 3,831 |
| Noninterest expense to average assets | 2.0695% | 3,252 |
| Loan and lease loss provision to assets | 0.2853% | 216 |
| Net operating income to assets | 1.0272% | 1,773 |
| Return on assets (ROA) | 1.0462% | 1,699 |
| Pretax return on assets | 1.0272% | 2,360 |
| Return on Equity (ROE) | 9.8249% | 2,036 |
| Retained earnings to average equity (ytd only) | 9.8249% | 1,066 |
| Net charge-offs to loans | -0.0067% | 3,444 |
| Credit loss provision to net charge-offs | -7,500.0000% | 3,542 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 3,319 |
| Assets per employee ($millions) | 6.5882% | 2,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1943% | 2,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 58.4702% | 2,250 |
| Net loans and leases to deposits | 75.8778% | 1,457 |
| Net loans and leases to core deposits | 76.7365% | 1,728 |
| Total domestic deposits to total assets | 77.0584% | 4,458 |
| Equity capital to assets | 10.3642% | 1,648 |
| Core capital (leverage) ratio | 11.2526% | 1,376 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,144,500 | 3,967 |
| Average earning assets | $99,055,500 | 3,938 |
| Average equity | $11,196,000 | 3,939 |
| Average total loans | $59,584,000 | 3,798 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8920% | 1,635 |
| Cost of funding earning assets | 0.5447% | 735 |
| Net interest margin | 3.3473% | 2,181 |
| Noninterest income to average assets | 0.2145% | 4,086 |
| Noninterest expense to average assets | 2.0834% | 3,427 |
| Loan and lease loss provision to assets | 0.1481% | 812 |
| Net operating income to assets | 1.1159% | 2,224 |
| Return on assets (ROA) | 1.1683% | 2,089 |
| Pretax return on assets | 1.2265% | 2,581 |
| Return on Equity (ROE) | 10.0964% | 2,489 |
| Retained earnings to average equity (ytd only) | 3.2125% | 3,546 |
| Net charge-offs to loans | 0.4584% | 180 |
| Credit loss provision to net charge-offs | 58.4677% | 2,075 |
| Earnings coverage of net charge-offs (x) | 5.2097% | 2,460 |
| Efficiency ratio | 61.2245% | 2,973 |
| Assets per employee ($millions) | 6.1693% | 2,595 |
| Cash dividends to net income (ytd only)* | 68.1818% | 799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1780% | 2,984 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 53.5098% | 2,910 |
| Net loans and leases to deposits | 70.1167% | 2,121 |
| Net loans and leases to core deposits | 71.3713% | 2,313 |
| Total domestic deposits to total assets | 76.3153% | 4,494 |
| Equity capital to assets | 10.9337% | 1,829 |
| Core capital (leverage) ratio | 11.6546% | 1,223 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,919,200 | 4,014 |
| Average earning assets | $93,269,000 | 3,985 |
| Average equity | $11,330,800 | 4,001 |
| Average total loans | $54,104,200 | 3,930 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0016% | 1,529 |
| Cost of funding earning assets | 0.5687% | 748 |
| Net interest margin | 3.4328% | 2,060 |
| Noninterest income to average assets | 0.2384% | 3,974 |
| Noninterest expense to average assets | 2.1556% | 3,207 |
| Loan and lease loss provision to assets | 0.0676% | 1,653 |
| Net operating income to assets | 1.2326% | 2,053 |
| Return on assets (ROA) | 1.3045% | 1,871 |
| Pretax return on assets | 1.3613% | 2,462 |
| Return on Equity (ROE) | 11.1062% | 2,342 |
| Retained earnings to average equity (ytd only) | 1.9002% | 4,217 |
| Net charge-offs to loans | -0.0050% | 3,437 |
| Credit loss provision to net charge-offs | -2,450.0000% | 4,033 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4139% | 2,777 |
| Assets per employee ($millions) | 5.6966% | 2,998 |
| Cash dividends to net income (ytd only)* | 82.8905% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5787% | 1,395 |
| Loan loss allowance to noncurrent loans | 658.4000% | 1,098 |
| Noncurrent assets plus other real estate owned to assets | 0.1291% | 3,256 |
| Noncurrent loans to loans | 0.2398% | 2,972 |
| Net loans and leases to total assets | 52.9832% | 3,082 |
| Net loans and leases to deposits | 71.4933% | 2,104 |
| Net loans and leases to core deposits | 72.9187% | 2,328 |
| Total domestic deposits to total assets | 74.1094% | 4,632 |
| Equity capital to assets | 11.7821% | 1,497 |
| Core capital (leverage) ratio | 11.4363% | 1,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,179,500 | 4,081 |
| Average earning assets | $91,661,250 | 4,045 |
| Average equity | $11,296,750 | 4,056 |
| Average total loans | $53,433,000 | 3,995 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0008% | 1,559 |
| Cost of funding earning assets | 0.5772% | 827 |
| Net interest margin | 3.4236% | 2,078 |
| Noninterest income to average assets | 0.2418% | 3,952 |
| Noninterest expense to average assets | 2.1092% | 3,356 |
| Loan and lease loss provision to assets | 0.0771% | 1,551 |
| Net operating income to assets | 1.2655% | 1,974 |
| Return on assets (ROA) | 1.3735% | 1,720 |
| Pretax return on assets | 1.4319% | 2,236 |
| Return on Equity (ROE) | 11.7062% | 2,161 |
| Retained earnings to average equity (ytd only) | -2.1494% | 4,675 |
| Net charge-offs to loans | -0.0037% | 3,341 |
| Credit loss provision to net charge-offs | -3,700.0000% | 3,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1665% | 3,000 |
| Assets per employee ($millions) | 5.1630% | 3,494 |
| Cash dividends to net income (ytd only)* | 118.3612% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 1,613 |
| Loan loss allowance to noncurrent loans | 16,200.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0051% | 4,285 |
| Noncurrent loans to loans | 0.0092% | 4,195 |
| Net loans and leases to total assets | 54.4828% | 3,081 |
| Net loans and leases to deposits | 72.7107% | 2,145 |
| Net loans and leases to core deposits | 73.6120% | 2,449 |
| Total domestic deposits to total assets | 74.9309% | 4,621 |
| Equity capital to assets | 11.4203% | 1,684 |
| Core capital (leverage) ratio | 11.3754% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7915% | 992 |
| Memoranda: | ||
| Average total assets | $95,958,667 | 4,107 |
| Average earning assets | $91,481,667 | 4,069 |
| Average equity | $11,259,000 | 4,069 |
| Average total loans | $53,866,333 | 4,007 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 1,427 |
| Cost of funding earning assets | 0.5836% | 945 |
| Net interest margin | 3.5018% | 1,820 |
| Noninterest income to average assets | 0.2276% | 4,014 |
| Noninterest expense to average assets | 2.1035% | 3,416 |
| Loan and lease loss provision to assets | 0.0927% | 1,441 |
| Net operating income to assets | 1.3451% | 1,695 |
| Return on assets (ROA) | 1.5681% | 1,240 |
| Pretax return on assets | 1.5976% | 1,733 |
| Return on Equity (ROE) | 13.1833% | 1,619 |
| Retained earnings to average equity (ytd only) | -5.5994% | 4,719 |
| Net charge-offs to loans | -0.0149% | 3,854 |
| Credit loss provision to net charge-offs | -1,100.0000% | 3,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9835% | 3,160 |
| Assets per employee ($millions) | 5.9393% | 2,656 |
| Cash dividends to net income (ytd only)* | 142.4731% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 1,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 55.9671% | 3,042 |
| Net loans and leases to deposits | 75.6533% | 1,948 |
| Net loans and leases to core deposits | 76.6321% | 2,296 |
| Total domestic deposits to total assets | 73.9785% | 4,673 |
| Equity capital to assets | 11.7490% | 1,414 |
| Core capital (leverage) ratio | 11.6733% | 1,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3634% | 1,015 |
| Memoranda: | ||
| Average total assets | $94,889,500 | 4,130 |
| Average earning assets | $90,467,000 | 4,092 |
| Average equity | $11,287,000 | 4,077 |
| Average total loans | $53,671,500 | 4,027 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 1,689 |
| Cost of funding earning assets | 0.7546% | 1,427 |
| Net interest margin | 3.6072% | 2,120 |
| Noninterest income to average assets | 0.1919% | 4,327 |
| Noninterest expense to average assets | 2.0402% | 4,063 |
| Loan and lease loss provision to assets | 0.1101% | 2,968 |
| Net operating income to assets | 1.4090% | 1,000 |
| Return on assets (ROA) | 1.4090% | 1,083 |
| Pretax return on assets | 1.4714% | 1,434 |
| Return on Equity (ROE) | 11.3522% | 1,509 |
| Retained earnings to average equity (ytd only) | 5.1776% | 2,200 |
| Net charge-offs to loans | -0.0040% | 4,082 |
| Credit loss provision to net charge-offs | -4,850.0000% | 4,322 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3323% | 3,946 |
| Assets per employee ($millions) | 5.9219% | 2,409 |
| Cash dividends to net income (ytd only)* | 54.3916% | 1,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 1,795 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.5061% | 3,345 |
| Net loans and leases to deposits | 75.5101% | 2,331 |
| Net loans and leases to core deposits | 76.4919% | 2,677 |
| Total domestic deposits to total assets | 73.5082% | 4,656 |
| Equity capital to assets | 12.0412% | 1,547 |
| Core capital (leverage) ratio | 12.2812% | 1,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0068% | 1,055 |
| Memoranda: | ||
| Average total assets | $88,077,600 | 4,139 |
| Average earning assets | $83,750,200 | 4,104 |
| Average equity | $10,931,800 | 4,088 |
| Average total loans | $49,834,800 | 4,112 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 1,593 |
| Cost of funding earning assets | 0.7926% | 1,536 |
| Net interest margin | 3.6983% | 1,948 |
| Noninterest income to average assets | 0.1975% | 4,294 |
| Noninterest expense to average assets | 2.0615% | 4,024 |
| Loan and lease loss provision to assets | 0.0775% | 3,347 |
| Net operating income to assets | 1.5152% | 883 |
| Return on assets (ROA) | 1.5152% | 956 |
| Pretax return on assets | 1.5723% | 1,265 |
| Return on Equity (ROE) | 12.1091% | 1,339 |
| Retained earnings to average equity (ytd only) | 4.7105% | 2,689 |
| Net charge-offs to loans | 0.0109% | 2,717 |
| Credit loss provision to net charge-offs | 1,250.0000% | 710 |
| Earnings coverage of net charge-offs (x) | 267.2500% | 396 |
| Efficiency ratio | 55.5509% | 3,978 |
| Assets per employee ($millions) | 6.3787% | 1,928 |
| Cash dividends to net income (ytd only)* | 61.0998% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3186% | 2,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 60.1711% | 3,211 |
| Net loans and leases to deposits | 85.5691% | 1,752 |
| Net loans and leases to core deposits | 87.2319% | 2,212 |
| Total domestic deposits to total assets | 70.3187% | 4,746 |
| Equity capital to assets | 12.5764% | 1,388 |
| Core capital (leverage) ratio | 12.1815% | 1,253 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0118% | 1,246 |
| Memoranda: | ||
| Average total assets | $86,409,500 | 4,169 |
| Average earning assets | $82,090,500 | 4,134 |
| Average equity | $10,812,500 | 4,109 |
| Average total loans | $48,952,750 | 4,151 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 1,884 |
| Cost of funding earning assets | 0.8356% | 1,652 |
| Net interest margin | 3.6750% | 2,257 |
| Noninterest income to average assets | 0.2083% | 4,239 |
| Noninterest expense to average assets | 2.0879% | 4,054 |
| Loan and lease loss provision to assets | 0.0819% | 3,260 |
| Net operating income to assets | 1.4746% | 971 |
| Return on assets (ROA) | 1.4746% | 1,058 |
| Pretax return on assets | 1.5285% | 1,393 |
| Return on Equity (ROE) | 11.8055% | 1,381 |
| Retained earnings to average equity (ytd only) | 0.5622% | 4,199 |
| Net charge-offs to loans | 0.0170% | 2,385 |
| Credit loss provision to net charge-offs | 875.0000% | 863 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 499 |
| Efficiency ratio | 56.4557% | 3,890 |
| Assets per employee ($millions) | 6.1882% | 2,035 |
| Cash dividends to net income (ytd only)* | 95.2381% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 1,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 54.5299% | 3,830 |
| Net loans and leases to deposits | 75.9603% | 2,874 |
| Net loans and leases to core deposits | 77.4459% | 3,157 |
| Total domestic deposits to total assets | 71.7874% | 4,721 |
| Equity capital to assets | 12.5319% | 1,361 |
| Core capital (leverage) ratio | 11.7783% | 1,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.2601% | 1,425 |
| Memoranda: | ||
| Average total assets | $85,445,333 | 4,189 |
| Average earning assets | $81,143,000 | 4,150 |
| Average equity | $10,673,000 | 4,141 |
| Average total loans | $47,119,667 | 4,190 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 1,946 |
| Cost of funding earning assets | 0.9229% | 1,760 |
| Net interest margin | 3.6967% | 2,333 |
| Noninterest income to average assets | 0.2310% | 4,165 |
| Noninterest expense to average assets | 2.0837% | 4,252 |
| Loan and lease loss provision to assets | 0.0943% | 2,502 |
| Net operating income to assets | 1.5227% | 739 |
| Return on assets (ROA) | 1.5227% | 809 |
| Pretax return on assets | 1.5651% | 1,143 |
| Return on Equity (ROE) | 12.2106% | 1,051 |
| Retained earnings to average equity (ytd only) | -10.4716% | 4,780 |
| Net charge-offs to loans | -0.0171% | 4,278 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,547 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6675% | 4,240 |
| Assets per employee ($millions) | 5.9103% | 1,751 |
| Cash dividends to net income (ytd only)* | 185.7585% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 1,347 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0955% | 4,142 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 54.9961% | 3,907 |
| Net loans and leases to deposits | 77.7123% | 2,918 |
| Net loans and leases to core deposits | 79.3244% | 3,255 |
| Total domestic deposits to total assets | 70.7689% | 4,826 |
| Equity capital to assets | 12.6003% | 1,675 |
| Core capital (leverage) ratio | 11.2028% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.0650% | 976 |
| Memoranda: | ||
| Average total assets | $84,850,500 | 4,200 |
| Average earning assets | $80,613,500 | 4,162 |
| Average equity | $10,581,000 | 4,171 |
| Average total loans | $46,707,000 | 4,217 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 2,484 |
| Cost of funding earning assets | 1.0013% | 1,715 |
| Net interest margin | 3.6443% | 2,981 |
| Noninterest income to average assets | 0.2218% | 4,338 |
| Noninterest expense to average assets | 2.1623% | 4,236 |
| Loan and lease loss provision to assets | 0.0716% | 2,568 |
| Net operating income to assets | 1.3784% | 1,421 |
| Return on assets (ROA) | 1.3990% | 1,415 |
| Pretax return on assets | 1.4646% | 1,920 |
| Return on Equity (ROE) | 11.3460% | 1,750 |
| Retained earnings to average equity (ytd only) | 5.5424% | 2,135 |
| Net charge-offs to loans | 0.0115% | 3,279 |
| Credit loss provision to net charge-offs | 1,200.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 254.0000% | 324 |
| Efficiency ratio | 58.8064% | 3,865 |
| Assets per employee ($millions) | 6.2112% | 1,478 |
| Cash dividends to net income (ytd only)* | 51.1509% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 1,441 |
| Loan loss allowance to noncurrent loans | 159.6200% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.4841% | 2,474 |
| Noncurrent loans to loans | 0.8917% | 1,724 |
| Net loans and leases to total assets | 53.5242% | 4,108 |
| Net loans and leases to deposits | 74.4974% | 3,305 |
| Net loans and leases to core deposits | 75.9377% | 3,579 |
| Total domestic deposits to total assets | 71.8470% | 4,874 |
| Equity capital to assets | 12.3463% | 1,920 |
| Core capital (leverage) ratio | 11.7400% | 1,932 |
| Tier 1 risk-based capital ratio | 17.3390% | 1,944 |
| Total risk-based capital ratio | 18.5471% | 1,908 |
| Memoranda: | ||
| Average total assets | $83,845,200 | 4,231 |
| Average earning assets | $79,494,000 | 4,195 |
| Average equity | $10,338,400 | 4,195 |
| Average total loans | $43,497,400 | 4,320 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6995% | 2,420 |
| Cost of funding earning assets | 1.0351% | 1,604 |
| Net interest margin | 3.6644% | 3,048 |
| Noninterest income to average assets | 0.2392% | 4,302 |
| Noninterest expense to average assets | 2.1749% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4762% | 1,251 |
| Return on assets (ROA) | 1.5040% | 1,231 |
| Pretax return on assets | 1.5650% | 1,765 |
| Return on Equity (ROE) | 12.2014% | 1,546 |
| Retained earnings to average equity (ytd only) | 5.0395% | 2,873 |
| Net charge-offs to loans | 0.0157% | 2,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 191.2999% | 452 |
| Efficiency ratio | 58.6073% | 3,848 |
| Assets per employee ($millions) | 5.8075% | 1,755 |
| Cash dividends to net income (ytd only)* | 58.6985% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3796% | 1,651 |
| Loan loss allowance to noncurrent loans | 1,224.0000% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 4,405 |
| Noncurrent loans to loans | 0.1127% | 4,134 |
| Net loans and leases to total assets | 53.8085% | 4,197 |
| Net loans and leases to deposits | 77.1138% | 3,188 |
| Net loans and leases to core deposits | 79.1880% | 3,451 |
| Total domestic deposits to total assets | 69.7780% | 5,003 |
| Equity capital to assets | 12.9734% | 1,644 |
| Core capital (leverage) ratio | 11.5684% | 2,168 |
| Tier 1 risk-based capital ratio | 18.3808% | 1,718 |
| Total risk-based capital ratio | 19.5704% | 1,696 |
| Memoranda: | ||
| Average total assets | $83,067,250 | 4,293 |
| Average earning assets | $78,701,000 | 4,261 |
| Average equity | $10,239,000 | 4,252 |
| Average total loans | $42,568,000 | 4,403 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7254% | 2,287 |
| Cost of funding earning assets | 1.0450% | 1,513 |
| Net interest margin | 3.6803% | 2,988 |
| Noninterest income to average assets | 0.2558% | 4,225 |
| Noninterest expense to average assets | 2.1493% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5318% | 1,059 |
| Return on assets (ROA) | 1.5731% | 1,001 |
| Pretax return on assets | 1.6353% | 1,440 |
| Return on Equity (ROE) | 12.9834% | 1,251 |
| Retained earnings to average equity (ytd only) | 2.1310% | 4,075 |
| Net charge-offs to loans | 0.0048% | 2,992 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 666.0000% | 120 |
| Efficiency ratio | 57.4441% | 4,077 |
| Assets per employee ($millions) | 5.9792% | 1,562 |
| Cash dividends to net income (ytd only)* | 83.5866% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4059% | 1,589 |
| Loan loss allowance to noncurrent loans | 962.5000% | 617 |
| Noncurrent assets plus other real estate owned to assets | 0.0765% | 4,379 |
| Noncurrent loans to loans | 0.1461% | 4,034 |
| Net loans and leases to total assets | 51.6074% | 4,378 |
| Net loans and leases to deposits | 74.4443% | 3,484 |
| Net loans and leases to core deposits | 76.3926% | 3,693 |
| Total domestic deposits to total assets | 69.3235% | 5,067 |
| Equity capital to assets | 12.2508% | 2,022 |
| Core capital (leverage) ratio | 11.0367% | 2,564 |
| Tier 1 risk-based capital ratio | 17.5875% | 1,911 |
| Total risk-based capital ratio | 18.7681% | 1,898 |
| Memoranda: | ||
| Average total assets | $83,654,670 | 4,313 |
| Average earning assets | $79,232,000 | 4,278 |
| Average equity | $10,136,000 | 4,283 |
| Average total loans | $41,970,330 | 4,444 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7431% | 2,068 |
| Cost of funding earning assets | 1.0608% | 1,334 |
| Net interest margin | 3.6824% | 2,962 |
| Noninterest income to average assets | 0.2583% | 4,161 |
| Noninterest expense to average assets | 2.0807% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6071% | 881 |
| Return on assets (ROA) | 1.6071% | 913 |
| Pretax return on assets | 1.6645% | 1,299 |
| Return on Equity (ROE) | 13.3380% | 1,129 |
| Retained earnings to average equity (ytd only) | 13.3380% | 425 |
| Net charge-offs to loans | 0.0097% | 2,342 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 348.0000% | 229 |
| Efficiency ratio | 55.5556% | 4,386 |
| Assets per employee ($millions) | 5.8463% | 1,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4890% | 1,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 49.7129% | 4,488 |
| Net loans and leases to deposits | 71.1707% | 3,670 |
| Net loans and leases to core deposits | 74.5411% | 3,766 |
| Total domestic deposits to total assets | 69.8502% | 5,115 |
| Equity capital to assets | 12.6637% | 1,647 |
| Core capital (leverage) ratio | 10.5163% | 3,034 |
| Tier 1 risk-based capital ratio | 19.1034% | 1,528 |
| Total risk-based capital ratio | 20.3526% | 1,498 |
| Memoranda: | ||
| Average total assets | $83,627,500 | 4,359 |
| Average earning assets | $79,188,500 | 4,320 |
| Average equity | $10,076,500 | 4,315 |
| Average total loans | $41,047,500 | 4,511 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 2,247 |
| Cost of funding earning assets | 0.8495% | 1,306 |
| Net interest margin | 3.7157% | 2,974 |
| Noninterest income to average assets | 0.2474% | 4,439 |
| Noninterest expense to average assets | 2.0958% | 4,576 |
| Loan and lease loss provision to assets | 0.2945% | 547 |
| Net operating income to assets | 1.3348% | 1,672 |
| Return on assets (ROA) | 1.3348% | 1,658 |
| Pretax return on assets | 1.3713% | 2,231 |
| Return on Equity (ROE) | 11.5591% | 1,881 |
| Retained earnings to average equity (ytd only) | 1.3059% | 4,612 |
| Net charge-offs to loans | 0.5693% | 303 |
| Credit loss provision to net charge-offs | 101.2146% | 2,487 |
| Earnings coverage of net charge-offs (x) | 5.7247% | 3,158 |
| Efficiency ratio | 55.7156% | 4,442 |
| Assets per employee ($millions) | 6.1005% | 1,454 |
| Cash dividends to net income (ytd only)* | 88.7026% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5126% | 1,251 |
| Loan loss allowance to noncurrent loans | 314.7959% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.2295% | 3,685 |
| Noncurrent loans to loans | 0.4805% | 2,837 |
| Net loans and leases to total assets | 47.0383% | 4,695 |
| Net loans and leases to deposits | 63.0309% | 4,313 |
| Net loans and leases to core deposits | 65.9552% | 4,360 |
| Total domestic deposits to total assets | 74.6274% | 4,904 |
| Equity capital to assets | 11.4604% | 2,283 |
| Core capital (leverage) ratio | 10.4335% | 3,105 |
| Tier 1 risk-based capital ratio | 18.1050% | 1,730 |
| Total risk-based capital ratio | 19.3368% | 1,692 |
| Memoranda: | ||
| Average total assets | $84,883,800 | 4,343 |
| Average earning assets | $80,280,200 | 4,313 |
| Average equity | $9,801,800 | 4,334 |
| Average total loans | $43,387,000 | 4,464 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5926% | 1,998 |
| Cost of funding earning assets | 0.8203% | 1,241 |
| Net interest margin | 3.7722% | 2,745 |
| Noninterest income to average assets | 0.2517% | 4,465 |
| Noninterest expense to average assets | 2.0593% | 4,628 |
| Loan and lease loss provision to assets | 0.1573% | 1,240 |
| Net operating income to assets | 1.5700% | 1,026 |
| Return on assets (ROA) | 1.5700% | 1,030 |
| Pretax return on assets | 1.6015% | 1,580 |
| Return on Equity (ROE) | 13.5706% | 1,245 |
| Retained earnings to average equity (ytd only) | 0.8567% | 4,889 |
| Net charge-offs to loans | -0.0121% | 4,448 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9349% | 4,615 |
| Assets per employee ($millions) | 5.9457% | 1,529 |
| Cash dividends to net income (ytd only)* | 93.6880% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 1,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 52.1372% | 4,476 |
| Net loans and leases to deposits | 76.0119% | 3,417 |
| Net loans and leases to core deposits | 77.9492% | 3,658 |
| Total domestic deposits to total assets | 68.5908% | 5,268 |
| Equity capital to assets | 11.4500% | 2,302 |
| Core capital (leverage) ratio | 10.2659% | 3,337 |
| Tier 1 risk-based capital ratio | 17.4550% | 1,950 |
| Total risk-based capital ratio | 18.7058% | 1,902 |
| Memoranda: | ||
| Average total assets | $84,753,000 | 4,393 |
| Average earning assets | $80,127,750 | 4,363 |
| Average equity | $9,805,250 | 4,368 |
| Average total loans | $44,036,000 | 4,502 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5743% | 1,859 |
| Cost of funding earning assets | 0.7748% | 1,260 |
| Net interest margin | 3.7995% | 2,567 |
| Noninterest income to average assets | 0.2674% | 4,398 |
| Noninterest expense to average assets | 2.0503% | 4,705 |
| Loan and lease loss provision to assets | 0.1759% | 1,031 |
| Net operating income to assets | 1.6163% | 890 |
| Return on assets (ROA) | 1.6163% | 895 |
| Pretax return on assets | 1.6304% | 1,401 |
| Return on Equity (ROE) | 13.9239% | 1,090 |
| Retained earnings to average equity (ytd only) | 2.3038% | 4,353 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1630% | 4,767 |
| Assets per employee ($millions) | 6.2350% | 1,313 |
| Cash dividends to net income (ytd only)* | 83.4543% | 632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4856% | 1,443 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 52.3416% | 4,453 |
| Net loans and leases to deposits | 77.4390% | 3,209 |
| Net loans and leases to core deposits | 79.3418% | 3,470 |
| Total domestic deposits to total assets | 67.5908% | 5,348 |
| Equity capital to assets | 11.1662% | 2,485 |
| Core capital (leverage) ratio | 10.2581% | 3,281 |
| Tier 1 risk-based capital ratio | 16.8563% | 2,146 |
| Total risk-based capital ratio | 18.1073% | 2,095 |
| Memoranda: | ||
| Average total assets | $85,257,330 | 4,423 |
| Average earning assets | $80,537,000 | 4,392 |
| Average equity | $9,896,670 | 4,393 |
| Average total loans | $44,009,330 | 4,542 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5061% | 1,851 |
| Cost of funding earning assets | 0.7393% | 1,247 |
| Net interest margin | 3.7668% | 2,561 |
| Noninterest income to average assets | 0.2659% | 4,400 |
| Noninterest expense to average assets | 2.0608% | 4,740 |
| Loan and lease loss provision to assets | 0.1187% | 1,590 |
| Net operating income to assets | 1.6666% | 742 |
| Return on assets (ROA) | 1.6666% | 745 |
| Pretax return on assets | 1.6429% | 1,264 |
| Return on Equity (ROE) | 14.0801% | 997 |
| Retained earnings to average equity (ytd only) | 13.0773% | 507 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9130% | 4,808 |
| Assets per employee ($millions) | 6.0467% | 1,478 |
| Cash dividends to net income (ytd only)* | 7.1225% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4539% | 1,641 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.1636% | 4,489 |
| Net loans and leases to deposits | 72.9514% | 3,517 |
| Net loans and leases to core deposits | 74.4065% | 3,786 |
| Total domestic deposits to total assets | 70.1337% | 5,358 |
| Equity capital to assets | 11.8057% | 1,911 |
| Core capital (leverage) ratio | 10.7003% | 2,739 |
| Tier 1 risk-based capital ratio | 18.0848% | 1,814 |
| Total risk-based capital ratio | 19.3296% | 1,763 |
| Memoranda: | ||
| Average total assets | $84,241,000 | 4,493 |
| Average earning assets | $79,537,500 | 4,454 |
| Average equity | $9,971,500 | 4,431 |
| Average total loans | $42,825,000 | 4,618 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1652% | 2,819 |
| Cost of funding earning assets | 0.7433% | 841 |
| Net interest margin | 3.4219% | 3,780 |
| Noninterest income to average assets | 0.2294% | 4,769 |
| Noninterest expense to average assets | 2.0947% | 4,776 |
| Loan and lease loss provision to assets | 0.0630% | 2,971 |
| Net operating income to assets | 1.3145% | 1,192 |
| Return on assets (ROA) | 1.3145% | 1,209 |
| Pretax return on assets | 1.3095% | 2,309 |
| Return on Equity (ROE) | 10.6162% | 1,628 |
| Retained earnings to average equity (ytd only) | 2.9721% | 3,520 |
| Net charge-offs to loans | -0.0111% | 4,809 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4144% | 4,199 |
| Assets per employee ($millions) | 5.9877% | 1,524 |
| Cash dividends to net income (ytd only)* | 72.0038% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4725% | 1,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 49.0111% | 4,702 |
| Net loans and leases to deposits | 66.0531% | 4,187 |
| Net loans and leases to core deposits | 67.3061% | 4,339 |
| Total domestic deposits to total assets | 74.1996% | 5,164 |
| Equity capital to assets | 11.8683% | 1,928 |
| Core capital (leverage) ratio | 10.2693% | 3,104 |
| Tier 1 risk-based capital ratio | 19.0034% | 1,505 |
| Total risk-based capital ratio | 20.2550% | 1,465 |
| Memoranda: | ||
| Average total assets | $79,344,000 | 4,606 |
| Average earning assets | $75,074,200 | 4,561 |
| Average equity | $9,824,600 | 4,483 |
| Average total loans | $36,061,800 | 4,842 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1626% | 2,742 |
| Cost of funding earning assets | 0.7423% | 787 |
| Net interest margin | 3.4203% | 3,774 |
| Noninterest income to average assets | 0.2386% | 4,777 |
| Noninterest expense to average assets | 2.0164% | 4,918 |
| Loan and lease loss provision to assets | 0.0426% | 3,252 |
| Net operating income to assets | 1.4556% | 979 |
| Return on assets (ROA) | 1.4556% | 996 |
| Pretax return on assets | 1.4233% | 2,050 |
| Return on Equity (ROE) | 11.6265% | 1,449 |
| Retained earnings to average equity (ytd only) | 2.4369% | 4,430 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9050% | 4,514 |
| Assets per employee ($millions) | 5.7116% | 1,705 |
| Cash dividends to net income (ytd only)* | 79.0399% | 668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5759% | 1,291 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 45.6930% | 4,956 |
| Net loans and leases to deposits | 66.0968% | 4,244 |
| Net loans and leases to core deposits | 68.7755% | 4,314 |
| Total domestic deposits to total assets | 69.1303% | 5,505 |
| Equity capital to assets | 12.7198% | 1,533 |
| Core capital (leverage) ratio | 10.9018% | 2,545 |
| Tier 1 risk-based capital ratio | 20.7818% | 1,236 |
| Total risk-based capital ratio | 22.0337% | 1,203 |
| Memoranda: | ||
| Average total assets | $78,223,000 | 4,669 |
| Average earning assets | $74,183,000 | 4,626 |
| Average equity | $9,793,500 | 4,531 |
| Average total loans | $34,652,500 | 4,927 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0781% | 2,897 |
| Cost of funding earning assets | 0.7245% | 787 |
| Net interest margin | 3.3537% | 3,937 |
| Noninterest income to average assets | 0.2112% | 4,991 |
| Noninterest expense to average assets | 1.9602% | 5,058 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5069% | 850 |
| Return on assets (ROA) | 1.5069% | 878 |
| Pretax return on assets | 1.4348% | 1,876 |
| Return on Equity (ROE) | 12.1022% | 1,271 |
| Retained earnings to average equity (ytd only) | 0.2069% | 5,024 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7390% | 4,632 |
| Assets per employee ($millions) | 5.7384% | 1,662 |
| Cash dividends to net income (ytd only)* | 98.2906% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4602% | 1,724 |
| 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 | 47.0388% | 4,881 |
| Net loans and leases to deposits | 69.1618% | 3,972 |
| Net loans and leases to core deposits | 71.3477% | 4,137 |
| Total domestic deposits to total assets | 68.0126% | 5,594 |
| Equity capital to assets | 12.3926% | 1,675 |
| Core capital (leverage) ratio | 10.8433% | 2,560 |
| Tier 1 risk-based capital ratio | 19.3819% | 1,501 |
| Total risk-based capital ratio | 20.6351% | 1,449 |
| Memoranda: | ||
| Average total assets | $77,643,330 | 4,710 |
| Average earning assets | $73,710,000 | 4,664 |
| Average equity | $9,667,670 | 4,567 |
| Average total loans | $33,829,330 | 4,985 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0573% | 2,814 |
| Cost of funding earning assets | 0.7095% | 803 |
| Net interest margin | 3.3479% | 3,853 |
| Noninterest income to average assets | 0.2359% | 4,853 |
| Noninterest expense to average assets | 2.0132% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5728% | 713 |
| Return on assets (ROA) | 1.5728% | 732 |
| Pretax return on assets | 1.3893% | 1,924 |
| Return on Equity (ROE) | 12.6004% | 1,087 |
| Retained earnings to average equity (ytd only) | -8.4003% | 5,539 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1680% | 4,570 |
| Assets per employee ($millions) | 5.8128% | 1,644 |
| Cash dividends to net income (ytd only)* | 166.6667% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7797% | 997 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 40.8988% | 5,214 |
| Net loans and leases to deposits | 55.9749% | 4,818 |
| Net loans and leases to core deposits | 57.7218% | 4,892 |
| Total domestic deposits to total assets | 73.0663% | 5,485 |
| Equity capital to assets | 12.5915% | 1,470 |
| Core capital (leverage) ratio | 10.8864% | 2,496 |
| Tier 1 risk-based capital ratio | 20.8034% | 1,247 |
| Total risk-based capital ratio | 22.0551% | 1,224 |
| Memoranda: | ||
| Average total assets | $76,296,000 | 4,786 |
| Average earning assets | $72,165,500 | 4,743 |
| Average equity | $9,523,500 | 4,621 |
| Average total loans | $31,569,000 | 5,107 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9456% | 3,402 |
| Cost of funding earning assets | 0.6681% | 961 |
| Net interest margin | 3.2775% | 4,212 |
| Noninterest income to average assets | 0.2490% | 4,935 |
| Noninterest expense to average assets | 2.0399% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.2116% | 1,467 |
| Return on assets (ROA) | 1.2370% | 1,474 |
| Pretax return on assets | 1.3529% | 2,092 |
| Return on Equity (ROE) | 8.9757% | 2,434 |
| Retained earnings to average equity (ytd only) | -4.0869% | 5,638 |
| Net charge-offs to loans | -0.0334% | 5,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6252% | 4,489 |
| Assets per employee ($millions) | 5.9250% | 1,534 |
| Cash dividends to net income (ytd only)* | 145.5328% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 1,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 40.3921% | 5,298 |
| Net loans and leases to deposits | 53.0487% | 5,058 |
| Net loans and leases to core deposits | 54.8413% | 5,104 |
| Total domestic deposits to total assets | 76.1415% | 5,229 |
| Equity capital to assets | 12.3752% | 1,593 |
| Core capital (leverage) ratio | 11.5800% | 1,874 |
| Tier 1 risk-based capital ratio | 21.5115% | 1,139 |
| Total risk-based capital ratio | 22.7628% | 1,123 |
| Memoranda: | ||
| Average total assets | $75,100,400 | 4,831 |
| Average earning assets | $71,396,400 | 4,772 |
| Average equity | $10,350,200 | 4,515 |
| Average total loans | $29,911,800 | 5,189 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0925% | 2,901 |
| Cost of funding earning assets | 0.6605% | 1,004 |
| Net interest margin | 3.4320% | 3,733 |
| Noninterest income to average assets | 0.2716% | 4,832 |
| Noninterest expense to average assets | 2.0763% | 5,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3310% | 1,211 |
| Return on assets (ROA) | 1.3651% | 1,207 |
| Pretax return on assets | 1.5009% | 1,708 |
| Return on Equity (ROE) | 9.6510% | 2,205 |
| Retained earnings to average equity (ytd only) | -7.3646% | 5,801 |
| Net charge-offs to loans | -0.0181% | 4,975 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6572% | 4,728 |
| Assets per employee ($millions) | 5.2236% | 2,120 |
| Cash dividends to net income (ytd only)* | 176.3096% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 40.1895% | 5,367 |
| Net loans and leases to deposits | 56.3445% | 4,968 |
| Net loans and leases to core deposits | 58.1770% | 5,043 |
| Total domestic deposits to total assets | 71.3282% | 5,627 |
| Equity capital to assets | 14.0187% | 1,024 |
| Core capital (leverage) ratio | 11.5428% | 1,992 |
| Tier 1 risk-based capital ratio | 21.7508% | 1,163 |
| Total risk-based capital ratio | 23.0028% | 1,148 |
| Memoranda: | ||
| Average total assets | $74,619,250 | 4,872 |
| Average earning assets | $71,054,750 | 4,815 |
| Average equity | $10,554,750 | 4,530 |
| Average total loans | $29,471,750 | 5,257 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1211% | 2,777 |
| Cost of funding earning assets | 0.6398% | 1,091 |
| Net interest margin | 3.4813% | 3,559 |
| Noninterest income to average assets | 0.3168% | 4,516 |
| Noninterest expense to average assets | 2.0395% | 5,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.4218% | 1,028 |
| Return on assets (ROA) | 1.4218% | 1,068 |
| Pretax return on assets | 1.5949% | 1,387 |
| Return on Equity (ROE) | 10.0228% | 2,043 |
| Retained earnings to average equity (ytd only) | 2.9843% | 4,015 |
| Net charge-offs to loans | -0.0273% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1172% | 5,136 |
| Assets per employee ($millions) | 4.9751% | 2,325 |
| Cash dividends to net income (ytd only)* | 70.2247% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7365% | 1,199 |
| Loan loss allowance to noncurrent loans | 4,616.6667% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0161% | 5,540 |
| Noncurrent loans to loans | 0.0376% | 5,314 |
| Net loans and leases to total assets | 42.0076% | 5,340 |
| Net loans and leases to deposits | 58.0957% | 4,897 |
| Net loans and leases to core deposits | 59.0710% | 5,019 |
| Total domestic deposits to total assets | 72.3076% | 5,651 |
| Equity capital to assets | 14.6944% | 815 |
| Core capital (leverage) ratio | 12.3827% | 1,411 |
| Tier 1 risk-based capital ratio | 23.6344% | 944 |
| Total risk-based capital ratio | 24.8862% | 919 |
| Memoranda: | ||
| Average total assets | $75,115,330 | 4,910 |
| Average earning assets | $71,583,330 | 4,847 |
| Average equity | $10,655,670 | 4,541 |
| Average total loans | $29,314,000 | 5,317 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0136% | 3,178 |
| Cost of funding earning assets | 0.6364% | 1,121 |
| Net interest margin | 3.3772% | 3,952 |
| Noninterest income to average assets | 0.1911% | 5,360 |
| Noninterest expense to average assets | 1.7304% | 5,725 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.4278% | 986 |
| Return on assets (ROA) | 1.4278% | 1,032 |
| Pretax return on assets | 1.6720% | 1,128 |
| Return on Equity (ROE) | 10.2471% | 1,874 |
| Retained earnings to average equity (ytd only) | 8.3425% | 1,328 |
| Net charge-offs to loans | 0.0714% | 1,764 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 63.0000% | 752 |
| Efficiency ratio | 50.8580% | 5,576 |
| Assets per employee ($millions) | 4.3289% | 3,365 |
| Cash dividends to net income (ytd only)* | 18.5874% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9132% | 951 |
| Loan loss allowance to noncurrent loans | 4,616.6667% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0163% | 5,593 |
| Noncurrent loans to loans | 0.0414% | 5,329 |
| Net loans and leases to total assets | 38.5958% | 5,530 |
| Net loans and leases to deposits | 52.8634% | 5,174 |
| Net loans and leases to core deposits | 53.7528% | 5,269 |
| Total domestic deposits to total assets | 73.0103% | 5,706 |
| Equity capital to assets | 14.5643% | 818 |
| Core capital (leverage) ratio | 12.4943% | 1,342 |
| Tier 1 risk-based capital ratio | 25.8693% | 745 |
| Total risk-based capital ratio | 27.1206% | 732 |
| Memoranda: | ||
| Average total assets | $75,359,500 | 4,950 |
| Average earning assets | $71,656,000 | 4,881 |
| Average equity | $10,500,500 | 4,582 |
| Average total loans | $28,019,500 | 5,413 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 3,694 |
| Cost of funding earning assets | 0.6890% | 870 |
| Net interest margin | 3.2145% | 4,579 |
| Noninterest income to average assets | 0.1470% | 5,675 |
| Noninterest expense to average assets | 1.9796% | 5,499 |
| Loan and lease loss provision to assets | 0.0662% | 2,961 |
| Net operating income to assets | 1.1034% | 1,911 |
| Return on assets (ROA) | 1.1123% | 1,930 |
| Pretax return on assets | 1.1560% | 2,822 |
| Return on Equity (ROE) | 8.0794% | 2,919 |
| Retained earnings to average equity (ytd only) | -3.4626% | 5,846 |
| Net charge-offs to loans | 0.0337% | 3,536 |
| Credit loss provision to net charge-offs | 500.0000% | 638 |
| Earnings coverage of net charge-offs (x) | 91.6000% | 625 |
| Efficiency ratio | 62.0075% | 4,600 |
| Assets per employee ($millions) | 4.8205% | 2,578 |
| Cash dividends to net income (ytd only)* | 142.8571% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0309% | 762 |
| Loan loss allowance to noncurrent loans | 662.6506% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1439% | 5,017 |
| Noncurrent loans to loans | 0.3065% | 4,361 |
| Net loans and leases to total assets | 34.4000% | 5,763 |
| Net loans and leases to deposits | 45.9015% | 5,571 |
| Net loans and leases to core deposits | 46.6161% | 5,620 |
| Total domestic deposits to total assets | 74.9430% | 5,559 |
| Equity capital to assets | 13.3324% | 1,193 |
| Core capital (leverage) ratio | 12.3803% | 1,407 |
| Tier 1 risk-based capital ratio | 25.8909% | 747 |
| Total risk-based capital ratio | 27.1492% | 728 |
| Memoranda: | ||
| Average total assets | $75,522,000 | 4,958 |
| Average earning assets | $71,551,200 | 4,903 |
| Average equity | $10,396,800 | 4,584 |
| Average total loans | $29,692,600 | 5,370 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9562% | 3,520 |
| Cost of funding earning assets | 0.7031% | 828 |
| Net interest margin | 3.2531% | 4,516 |
| Noninterest income to average assets | 0.1544% | 5,715 |
| Noninterest expense to average assets | 1.8139% | 5,757 |
| Loan and lease loss provision to assets | 0.0888% | 2,381 |
| Net operating income to assets | 1.2820% | 1,387 |
| Return on assets (ROA) | 1.2939% | 1,411 |
| Pretax return on assets | 1.3436% | 2,233 |
| Return on Equity (ROE) | 9.3233% | 2,406 |
| Retained earnings to average equity (ytd only) | -2.1869% | 5,874 |
| Net charge-offs to loans | 0.1362% | 1,770 |
| Credit loss provision to net charge-offs | 161.2903% | 1,592 |
| Earnings coverage of net charge-offs (x) | 25.8079% | 1,644 |
| Efficiency ratio | 56.0922% | 5,340 |
| Assets per employee ($millions) | 4.8470% | 2,494 |
| Cash dividends to net income (ytd only)* | 123.4562% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2711% | 591 |
| Loan loss allowance to noncurrent loans | 386.1314% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 4,998 |
| Noncurrent loans to loans | 0.5882% | 3,566 |
| Net loans and leases to total assets | 31.3101% | 5,938 |
| Net loans and leases to deposits | 42.7172% | 5,775 |
| Net loans and leases to core deposits | 43.4378% | 5,810 |
| Total domestic deposits to total assets | 73.2962% | 5,762 |
| Equity capital to assets | 14.2494% | 929 |
| Core capital (leverage) ratio | 12.7702% | 1,288 |
| Tier 1 risk-based capital ratio | 28.3894% | 594 |
| Total risk-based capital ratio | 29.6451% | 589 |
| Memoranda: | ||
| Average total assets | $75,120,500 | 5,022 |
| Average earning assets | $71,110,500 | 4,968 |
| Average equity | $10,425,250 | 4,635 |
| Average total loans | $30,345,250 | 5,409 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0821% | 2,965 |
| Cost of funding earning assets | 0.7007% | 842 |
| Net interest margin | 3.3813% | 3,967 |
| Noninterest income to average assets | 0.1660% | 5,704 |
| Noninterest expense to average assets | 1.7939% | 5,857 |
| Loan and lease loss provision to assets | 0.1317% | 1,669 |
| Net operating income to assets | 1.3810% | 1,130 |
| Return on assets (ROA) | 1.3987% | 1,128 |
| Pretax return on assets | 1.4620% | 1,761 |
| Return on Equity (ROE) | 10.1656% | 1,994 |
| Retained earnings to average equity (ytd only) | -7.0642% | 6,094 |
| Net charge-offs to loans | -0.0184% | 5,144 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,454 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2447% | 5,631 |
| Assets per employee ($millions) | 5.6717% | 1,600 |
| Cash dividends to net income (ytd only)* | 169.4915% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3211% | 622 |
| Loan loss allowance to noncurrent loans | 96.9072% | 3,782 |
| Noncurrent assets plus other real estate owned to assets | 0.7893% | 3,018 |
| Noncurrent loans to loans | 2.3952% | 960 |
| Net loans and leases to total assets | 32.1909% | 5,968 |
| Net loans and leases to deposits | 43.6305% | 5,780 |
| Net loans and leases to core deposits | 44.3496% | 5,825 |
| Total domestic deposits to total assets | 73.7807% | 5,810 |
| Equity capital to assets | 13.6074% | 1,125 |
| Core capital (leverage) ratio | 12.1240% | 1,584 |
| Tier 1 risk-based capital ratio | 27.1966% | 696 |
| Total risk-based capital ratio | 28.4536% | 677 |
| Memoranda: | ||
| Average total assets | $75,925,670 | 5,056 |
| Average earning assets | $71,924,330 | 5,001 |
| Average equity | $10,447,000 | 4,660 |
| Average total loans | $32,696,000 | 5,384 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 2,126 |
| Cost of funding earning assets | 0.7098% | 820 |
| Net interest margin | 3.5821% | 3,072 |
| Noninterest income to average assets | 0.1818% | 5,626 |
| Noninterest expense to average assets | 1.7190% | 5,992 |
| Loan and lease loss provision to assets | 0.2597% | 620 |
| Net operating income to assets | 1.5231% | 811 |
| Return on assets (ROA) | 1.5580% | 808 |
| Pretax return on assets | 1.6203% | 1,219 |
| Return on Equity (ROE) | 11.2634% | 1,565 |
| Retained earnings to average equity (ytd only) | -7.5089% | 6,056 |
| Net charge-offs to loans | -0.0108% | 4,752 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,260 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2507% | 6,010 |
| Assets per employee ($millions) | 6.1745% | 1,272 |
| Cash dividends to net income (ytd only)* | 166.6667% | 312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6403% | 1,921 |
| Loan loss allowance to noncurrent loans | 70.6918% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 1.0730% | 2,469 |
| Noncurrent loans to loans | 2.3203% | 1,064 |
| Net loans and leases to total assets | 45.4841% | 5,239 |
| Net loans and leases to deposits | 64.2022% | 4,351 |
| Net loans and leases to core deposits | 65.2930% | 4,590 |
| Total domestic deposits to total assets | 70.8451% | 6,090 |
| Equity capital to assets | 14.2805% | 896 |
| Core capital (leverage) ratio | 11.9899% | 1,645 |
| Tier 1 risk-based capital ratio | 22.4393% | 1,177 |
| Total risk-based capital ratio | 23.6908% | 1,162 |
| Memoranda: | ||
| Average total assets | $77,022,500 | 5,088 |
| Average earning assets | $72,694,500 | 5,038 |
| Average equity | $10,654,000 | 4,665 |
| Average total loans | $36,894,500 | 5,253 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 3,005 |
| Cost of funding earning assets | 0.7830% | 707 |
| Net interest margin | 3.4002% | 4,201 |
| Noninterest income to average assets | 0.1608% | 5,899 |
| Noninterest expense to average assets | 1.9134% | 5,911 |
| Loan and lease loss provision to assets | 0.1340% | 1,952 |
| Net operating income to assets | 1.2689% | 1,375 |
| Return on assets (ROA) | 1.2689% | 1,426 |
| Pretax return on assets | 1.3252% | 2,160 |
| Return on Equity (ROE) | 9.3126% | 2,432 |
| Retained earnings to average equity (ytd only) | 7.7392% | 1,114 |
| Net charge-offs to loans | 0.5867% | 684 |
| Credit loss provision to net charge-offs | 52.6316% | 3,426 |
| Earnings coverage of net charge-offs (x) | 5.7316% | 3,368 |
| Efficiency ratio | 56.7342% | 5,594 |
| Assets per employee ($millions) | 5.3301% | 1,927 |
| Cash dividends to net income (ytd only)* | 16.8955% | 3,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 3,479 |
| Loan loss allowance to noncurrent loans | 82.5243% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 0.7730% | 3,281 |
| Noncurrent loans to loans | 1.5635% | 1,871 |
| Net loans and leases to total assets | 48.7999% | 5,091 |
| Net loans and leases to deposits | 67.4760% | 4,176 |
| Net loans and leases to core deposits | 68.5104% | 4,450 |
| Total domestic deposits to total assets | 72.3218% | 6,061 |
| Equity capital to assets | 13.4170% | 1,186 |
| Core capital (leverage) ratio | 12.3373% | 1,429 |
| Tier 1 risk-based capital ratio | 20.7218% | 1,463 |
| Total risk-based capital ratio | 21.8420% | 1,464 |
| Memoranda: | ||
| Average total assets | $74,631,600 | 5,179 |
| Average earning assets | $70,495,000 | 5,112 |
| Average equity | $10,169,000 | 4,718 |
| Average total loans | $32,382,800 | 5,469 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1159% | 3,315 |
| Cost of funding earning assets | 0.8016% | 676 |
| Net interest margin | 3.3143% | 4,553 |
| Noninterest income to average assets | 0.1692% | 5,908 |
| Noninterest expense to average assets | 1.7553% | 6,150 |
| Loan and lease loss provision to assets | 0.0910% | 2,536 |
| Net operating income to assets | 1.3897% | 1,156 |
| Return on assets (ROA) | 1.3897% | 1,195 |
| Pretax return on assets | 1.4515% | 1,800 |
| Return on Equity (ROE) | 10.1564% | 2,143 |
| Retained earnings to average equity (ytd only) | 8.9068% | 1,032 |
| Net charge-offs to loans | 0.0349% | 3,792 |
| Credit loss provision to net charge-offs | 625.0000% | 476 |
| Earnings coverage of net charge-offs (x) | 105.9644% | 560 |
| Efficiency ratio | 53.2267% | 5,900 |
| Assets per employee ($millions) | 4.6504% | 2,732 |
| Cash dividends to net income (ytd only)* | 12.3037% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 1,330 |
| Loan loss allowance to noncurrent loans | 95.9762% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.6477% | 1,839 |
| Noncurrent loans to loans | 2.0428% | 1,536 |
| Net loans and leases to total assets | 43.2801% | 5,576 |
| Net loans and leases to deposits | 60.4037% | 4,904 |
| Net loans and leases to core deposits | 61.4034% | 5,081 |
| Total domestic deposits to total assets | 71.6515% | 6,191 |
| Equity capital to assets | 14.0634% | 978 |
| Core capital (leverage) ratio | 12.9491% | 1,203 |
| Tier 1 risk-based capital ratio | 23.6059% | 1,035 |
| Total risk-based capital ratio | 24.8423% | 1,021 |
| Memoranda: | ||
| Average total assets | $73,301,750 | 5,258 |
| Average earning assets | $69,193,000 | 5,202 |
| Average equity | $10,029,500 | 4,779 |
| Average total loans | $30,597,000 | 5,596 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 3,027 |
| Cost of funding earning assets | 0.8067% | 678 |
| Net interest margin | 3.3742% | 4,290 |
| Noninterest income to average assets | 0.1755% | 5,899 |
| Noninterest expense to average assets | 1.6398% | 6,325 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6590% | 629 |
| Return on assets (ROA) | 1.6590% | 664 |
| Pretax return on assets | 1.7358% | 954 |
| Return on Equity (ROE) | 12.2412% | 1,360 |
| Retained earnings to average equity (ytd only) | 10.9058% | 549 |
| Net charge-offs to loans | -0.0067% | 5,232 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5784% | 6,255 |
| Assets per employee ($millions) | 4.8248% | 2,439 |
| Cash dividends to net income (ytd only)* | 10.9091% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0841% | 1,212 |
| Loan loss allowance to noncurrent loans | 107.1174% | 3,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7765% | 3,640 |
| Noncurrent loans to loans | 1.9456% | 1,741 |
| Net loans and leases to total assets | 39.0814% | 5,891 |
| Net loans and leases to deposits | 53.6882% | 5,382 |
| Net loans and leases to core deposits | 54.5833% | 5,515 |
| Total domestic deposits to total assets | 72.7933% | 6,201 |
| Equity capital to assets | 14.2210% | 891 |
| Core capital (leverage) ratio | 12.7135% | 1,281 |
| Tier 1 risk-based capital ratio | 26.1085% | 763 |
| Total risk-based capital ratio | 27.3647% | 749 |
| Memoranda: | ||
| Average total assets | $72,933,670 | 5,314 |
| Average earning assets | $69,171,330 | 5,234 |
| Average equity | $9,884,670 | 4,830 |
| Average total loans | $29,847,000 | 5,664 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 2,682 |
| Cost of funding earning assets | 0.8067% | 726 |
| Net interest margin | 3.4460% | 3,917 |
| Noninterest income to average assets | 0.2021% | 5,738 |
| Noninterest expense to average assets | 1.5953% | 6,433 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.7920% | 492 |
| Return on assets (ROA) | 1.7920% | 507 |
| Pretax return on assets | 1.8739% | 686 |
| Return on Equity (ROE) | 13.5523% | 1,027 |
| Retained earnings to average equity (ytd only) | 13.5523% | 429 |
| Net charge-offs to loans | -0.0264% | 5,491 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9843% | 6,429 |
| Assets per employee ($millions) | 5.1419% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0131% | 1,494 |
| Loan loss allowance to noncurrent loans | 114.6388% | 3,295 |
| Noncurrent assets plus other real estate owned to assets | 0.7307% | 3,931 |
| Noncurrent loans to loans | 1.7560% | 2,202 |
| Net loans and leases to total assets | 40.7732% | 5,760 |
| Net loans and leases to deposits | 56.1162% | 5,106 |
| Net loans and leases to core deposits | 57.4721% | 5,240 |
| Total domestic deposits to total assets | 72.6586% | 6,327 |
| Equity capital to assets | 13.9861% | 920 |
| Core capital (leverage) ratio | 12.4425% | 1,408 |
| Tier 1 risk-based capital ratio | 24.9036% | 898 |
| Total risk-based capital ratio | 26.1578% | 885 |
| Memoranda: | ||
| Average total assets | $73,214,500 | 5,362 |
| Average earning assets | $69,414,500 | 5,284 |
| Average equity | $9,681,000 | 4,893 |
| Average total loans | $30,327,500 | 5,705 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 3,067 |
| Cost of funding earning assets | 0.8762% | 837 |
| Net interest margin | 3.3947% | 4,291 |
| Noninterest income to average assets | 0.1787% | 6,012 |
| Noninterest expense to average assets | 1.8531% | 6,254 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4563% | 904 |
| Return on assets (ROA) | 1.4795% | 904 |
| Pretax return on assets | 1.5467% | 1,310 |
| Return on Equity (ROE) | 10.8870% | 1,802 |
| Retained earnings to average equity (ytd only) | 4.4992% | 2,980 |
| Net charge-offs to loans | 0.1592% | 3,210 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 24.1064% | 1,379 |
| Efficiency ratio | 54.8965% | 6,062 |
| Assets per employee ($millions) | 5.3174% | 1,828 |
| Cash dividends to net income (ytd only)* | 58.6739% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9576% | 1,653 |
| Loan loss allowance to noncurrent loans | 174.7093% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 4,854 |
| Noncurrent loans to loans | 1.1205% | 3,295 |
| Net loans and leases to total assets | 40.4336% | 5,929 |
| Net loans and leases to deposits | 54.0230% | 5,467 |
| Net loans and leases to core deposits | 55.2415% | 5,597 |
| Total domestic deposits to total assets | 74.8452% | 6,212 |
| Equity capital to assets | 12.4847% | 1,517 |
| Core capital (leverage) ratio | 12.1039% | 1,533 |
| Tier 1 risk-based capital ratio | 23.2317% | 1,065 |
| Total risk-based capital ratio | 24.4862% | 1,042 |
| Memoranda: | ||
| Average total assets | $74,415,800 | 5,369 |
| Average earning assets | $70,079,000 | 5,308 |
| Average equity | $10,113,000 | 4,819 |
| Average total loans | $29,518,400 | 5,786 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 2,511 |
| Cost of funding earning assets | 0.8883% | 866 |
| Net interest margin | 3.5359% | 3,730 |
| Noninterest income to average assets | 0.1774% | 6,128 |
| Noninterest expense to average assets | 1.7435% | 6,420 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.6805% | 639 |
| Return on assets (ROA) | 1.7596% | 597 |
| Pretax return on assets | 1.8402% | 824 |
| Return on Equity (ROE) | 12.6898% | 1,318 |
| Retained earnings to average equity (ytd only) | 10.9323% | 588 |
| Net charge-offs to loans | 0.2145% | 2,543 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 20.8708% | 1,569 |
| Efficiency ratio | 49.7953% | 6,411 |
| Assets per employee ($millions) | 5.1964% | 1,936 |
| Cash dividends to net income (ytd only)* | 13.8494% | 3,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0107% | 1,695 |
| Loan loss allowance to noncurrent loans | 112.5468% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 0.7340% | 4,273 |
| Noncurrent loans to loans | 1.7866% | 2,516 |
| Net loans and leases to total assets | 40.2603% | 6,012 |
| Net loans and leases to deposits | 57.6850% | 5,219 |
| Net loans and leases to core deposits | 59.1100% | 5,363 |
| Total domestic deposits to total assets | 69.7934% | 6,609 |
| Equity capital to assets | 13.2153% | 1,236 |
| Core capital (leverage) ratio | 12.5713% | 1,382 |
| Tier 1 risk-based capital ratio | 24.9077% | 881 |
| Total risk-based capital ratio | 26.1615% | 870 |
| Memoranda: | ||
| Average total assets | $74,409,000 | 5,420 |
| Average earning assets | $69,947,250 | 5,365 |
| Average equity | $10,317,750 | 4,827 |
| Average total loans | $29,222,750 | 5,857 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 2,614 |
| Cost of funding earning assets | 0.8957% | 916 |
| Net interest margin | 3.4920% | 3,814 |
| Noninterest income to average assets | 0.1788% | 6,139 |
| Noninterest expense to average assets | 1.7262% | 6,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6622% | 672 |
| Return on assets (ROA) | 1.6622% | 736 |
| Pretax return on assets | 1.7395% | 1,040 |
| Return on Equity (ROE) | 11.8078% | 1,551 |
| Retained earnings to average equity (ytd only) | 10.5190% | 740 |
| Net charge-offs to loans | -0.0069% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.8075% | 6,444 |
| Assets per employee ($millions) | 5.1785% | 1,902 |
| Cash dividends to net income (ytd only)* | 10.9149% | 3,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2532% | 1,332 |
| Loan loss allowance to noncurrent loans | 82.2560% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 1.0883% | 3,558 |
| Noncurrent loans to loans | 2.7392% | 1,664 |
| Net loans and leases to total assets | 38.8350% | 6,122 |
| Net loans and leases to deposits | 53.8872% | 5,528 |
| Net loans and leases to core deposits | 55.1756% | 5,663 |
| Total domestic deposits to total assets | 72.0672% | 6,561 |
| Equity capital to assets | 14.1078% | 937 |
| Core capital (leverage) ratio | 11.9278% | 1,654 |
| Tier 1 risk-based capital ratio | 24.6173% | 919 |
| Total risk-based capital ratio | 25.8752% | 901 |
| Memoranda: | ||
| Average total assets | $74,962,330 | 5,438 |
| Average earning assets | $70,562,000 | 5,374 |
| Average equity | $10,552,330 | 4,820 |
| Average total loans | $29,000,330 | 5,893 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3163% | 2,820 |
| Cost of funding earning assets | 0.9002% | 986 |
| Net interest margin | 3.4162% | 4,058 |
| Noninterest income to average assets | 0.2047% | 6,014 |
| Noninterest expense to average assets | 1.6274% | 6,648 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7062% | 578 |
| Return on assets (ROA) | 1.7062% | 639 |
| Pretax return on assets | 1.7849% | 909 |
| Return on Equity (ROE) | 12.1331% | 1,383 |
| Retained earnings to average equity (ytd only) | 12.1331% | 685 |
| Net charge-offs to loans | -0.0275% | 5,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6923% | 6,621 |
| Assets per employee ($millions) | 5.3639% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2312% | 1,524 |
| Loan loss allowance to noncurrent loans | 70.9607% | 4,295 |
| Noncurrent assets plus other real estate owned to assets | 1.2198% | 3,530 |
| Noncurrent loans to loans | 3.1443% | 1,574 |
| Net loans and leases to total assets | 37.9285% | 6,153 |
| Net loans and leases to deposits | 53.2056% | 5,503 |
| Net loans and leases to core deposits | 54.4412% | 5,640 |
| Total domestic deposits to total assets | 71.2867% | 6,691 |
| Equity capital to assets | 14.4872% | 881 |
| Core capital (leverage) ratio | 11.4190% | 1,932 |
| Tier 1 risk-based capital ratio | 23.5317% | 1,081 |
| Total risk-based capital ratio | 24.7887% | 1,062 |
| Memoranda: | ||
| Average total assets | $76,194,000 | 5,458 |
| Average earning assets | $71,542,000 | 5,395 |
| Average equity | $10,714,500 | 4,833 |
| Average total loans | $29,098,500 | 5,927 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6332% | 2,868 |
| Cost of funding earning assets | 1.0301% | 1,208 |
| Net interest margin | 3.6031% | 4,067 |
| Noninterest income to average assets | 0.2008% | 5,978 |
| Noninterest expense to average assets | 1.7270% | 6,695 |
| Loan and lease loss provision to assets | 0.2442% | 2,702 |
| Net operating income to assets | 1.5425% | 844 |
| Return on assets (ROA) | 1.5425% | 926 |
| Pretax return on assets | 1.6131% | 1,349 |
| Return on Equity (ROE) | 10.8996% | 1,835 |
| Retained earnings to average equity (ytd only) | 4.6110% | 2,979 |
| Net charge-offs to loans | 0.4348% | 2,496 |
| Credit loss provision to net charge-offs | 139.5349% | 1,976 |
| Earnings coverage of net charge-offs (x) | 10.6124% | 2,126 |
| Efficiency ratio | 48.1832% | 6,698 |
| Assets per employee ($millions) | 5.5210% | 1,672 |
| Cash dividends to net income (ytd only)* | 57.6957% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2295% | 1,505 |
| Loan loss allowance to noncurrent loans | 179.0055% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.4683% | 5,303 |
| Noncurrent loans to loans | 1.2455% | 3,757 |
| Net loans and leases to total assets | 36.7648% | 6,387 |
| Net loans and leases to deposits | 49.6488% | 5,978 |
| Net loans and leases to core deposits | 51.8558% | 6,023 |
| Total domestic deposits to total assets | 74.0497% | 6,524 |
| Equity capital to assets | 13.6492% | 1,172 |
| Core capital (leverage) ratio | 11.2606% | 2,051 |
| Tier 1 risk-based capital ratio | 22.3681% | 1,203 |
| Total risk-based capital ratio | 23.6240% | 1,174 |
| Memoranda: | ||
| Average total assets | $73,709,800 | 5,521 |
| Average earning assets | $69,218,000 | 5,457 |
| Average equity | $10,431,600 | 4,884 |
| Average total loans | $29,665,600 | 5,966 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7184% | 2,725 |
| Cost of funding earning assets | 1.0596% | 1,236 |
| Net interest margin | 3.6588% | 3,966 |
| Noninterest income to average assets | 0.1978% | 6,113 |
| Noninterest expense to average assets | 1.5729% | 6,896 |
| Loan and lease loss provision to assets | 0.0916% | 4,455 |
| Net operating income to assets | 1.8806% | 476 |
| Return on assets (ROA) | 1.8806% | 559 |
| Pretax return on assets | 1.9666% | 755 |
| Return on Equity (ROE) | 13.1638% | 1,297 |
| Retained earnings to average equity (ytd only) | 8.7929% | 1,307 |
| Net charge-offs to loans | -0.0090% | 6,351 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3182% | 6,918 |
| Assets per employee ($millions) | 5.0780% | 2,074 |
| Cash dividends to net income (ytd only)* | 33.2038% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3174% | 1,486 |
| Loan loss allowance to noncurrent loans | 618.0952% | 640 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 6,344 |
| Noncurrent loans to loans | 0.3749% | 5,728 |
| Net loans and leases to total assets | 38.4797% | 6,390 |
| Net loans and leases to deposits | 54.2584% | 5,791 |
| Net loans and leases to core deposits | 57.0012% | 5,811 |
| Total domestic deposits to total assets | 70.9194% | 6,801 |
| Equity capital to assets | 15.2816% | 757 |
| Core capital (leverage) ratio | 11.8298% | 1,758 |
| Tier 1 risk-based capital ratio | 24.2892% | 984 |
| Total risk-based capital ratio | 25.5474% | 964 |
| Memoranda: | ||
| Average total assets | $72,813,750 | 5,609 |
| Average earning assets | $68,326,000 | 5,545 |
| Average equity | $10,402,000 | 4,939 |
| Average total loans | $29,815,750 | 6,032 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7314% | 2,790 |
| Cost of funding earning assets | 1.0731% | 1,344 |
| Net interest margin | 3.6583% | 3,994 |
| Noninterest income to average assets | 0.2153% | 6,025 |
| Noninterest expense to average assets | 1.7142% | 6,827 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8450% | 518 |
| Return on assets (ROA) | 1.8450% | 586 |
| Pretax return on assets | 1.9295% | 805 |
| Return on Equity (ROE) | 13.2123% | 1,307 |
| Retained earnings to average equity (ytd only) | 7.7869% | 1,724 |
| Net charge-offs to loans | -0.0131% | 6,338 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0456% | 6,832 |
| Assets per employee ($millions) | 5.1428% | 1,980 |
| Cash dividends to net income (ytd only)* | 41.0635% | 2,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0004% | 2,228 |
| Loan loss allowance to noncurrent loans | 1,302.1739% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0639% | 6,656 |
| Noncurrent loans to loans | 0.1536% | 6,278 |
| Net loans and leases to total assets | 40.7575% | 6,291 |
| Net loans and leases to deposits | 56.7547% | 5,576 |
| Net loans and leases to core deposits | 59.5366% | 5,640 |
| Total domestic deposits to total assets | 71.8135% | 6,810 |
| Equity capital to assets | 14.7405% | 849 |
| Core capital (leverage) ratio | 11.2426% | 2,094 |
| Tier 1 risk-based capital ratio | 22.4163% | 1,216 |
| Total risk-based capital ratio | 23.6902% | 1,195 |
| Memoranda: | ||
| Average total assets | $73,387,670 | 5,623 |
| Average earning assets | $68,774,670 | 5,565 |
| Average equity | $10,248,000 | 4,975 |
| Average total loans | $30,419,330 | 6,044 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 3,188 |
| Cost of funding earning assets | 1.0901% | 1,453 |
| Net interest margin | 3.5760% | 4,370 |
| Noninterest income to average assets | 0.2322% | 5,966 |
| Noninterest expense to average assets | 1.7278% | 6,875 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7710% | 633 |
| Return on assets (ROA) | 1.7710% | 714 |
| Pretax return on assets | 1.8520% | 970 |
| Return on Equity (ROE) | 13.0346% | 1,395 |
| Retained earnings to average equity (ytd only) | 4.6893% | 3,752 |
| Net charge-offs to loans | -0.0261% | 6,286 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2655% | 6,785 |
| Assets per employee ($millions) | 5.1704% | 2,031 |
| Cash dividends to net income (ytd only)* | 64.0244% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 2,498 |
| Loan loss allowance to noncurrent loans | 311.9792% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 6,223 |
| Noncurrent loans to loans | 0.6275% | 5,390 |
| Net loans and leases to total assets | 41.4423% | 6,240 |
| Net loans and leases to deposits | 57.5148% | 5,433 |
| Net loans and leases to core deposits | 60.2951% | 5,502 |
| Total domestic deposits to total assets | 72.0550% | 6,874 |
| Equity capital to assets | 14.1549% | 966 |
| Core capital (leverage) ratio | 10.7770% | 2,468 |
| Tier 1 risk-based capital ratio | 21.2322% | 1,444 |
| Total risk-based capital ratio | 22.5066% | 1,410 |
| Memoranda: | ||
| Average total assets | $74,082,000 | 5,646 |
| Average earning assets | $69,351,500 | 5,584 |
| Average equity | $10,065,500 | 5,027 |
| Average total loans | $30,657,000 | 6,078 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9182% | 3,272 |
| Cost of funding earning assets | 1.2703% | 1,621 |
| Net interest margin | 3.6479% | 4,532 |
| Noninterest income to average assets | 0.2077% | 6,029 |
| Noninterest expense to average assets | 1.8489% | 6,901 |
| Loan and lease loss provision to assets | 0.4884% | 2,166 |
| Net operating income to assets | 1.2367% | 1,417 |
| Return on assets (ROA) | 1.2367% | 1,516 |
| Pretax return on assets | 1.2876% | 2,182 |
| Return on Equity (ROE) | 9.8329% | 2,115 |
| Retained earnings to average equity (ytd only) | 4.2985% | 3,123 |
| Net charge-offs to loans | 0.8055% | 2,145 |
| Credit loss provision to net charge-offs | 143.7247% | 2,016 |
| Earnings coverage of net charge-offs (x) | 5.2267% | 2,858 |
| Efficiency ratio | 51.0057% | 6,775 |
| Assets per employee ($millions) | 5.4128% | 1,730 |
| Cash dividends to net income (ytd only)* | 56.2848% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 2,438 |
| 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 | 39.7472% | 6,557 |
| Net loans and leases to deposits | 54.3722% | 6,033 |
| Net loans and leases to core deposits | 56.8291% | 6,092 |
| Total domestic deposits to total assets | 73.1020% | 6,800 |
| Equity capital to assets | 13.0445% | 1,462 |
| Core capital (leverage) ratio | 10.5995% | 2,622 |
| Tier 1 risk-based capital ratio | 20.4676% | 1,533 |
| Total risk-based capital ratio | 21.7203% | 1,501 |
| Memoranda: | ||
| Average total assets | $72,693,400 | 5,676 |
| Average earning assets | $68,094,200 | 5,612 |
| Average equity | $9,142,800 | 5,241 |
| Average total loans | $30,662,400 | 6,134 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9766% | 3,205 |
| Cost of funding earning assets | 1.3154% | 1,620 |
| Net interest margin | 3.6613% | 4,520 |
| Noninterest income to average assets | 0.2132% | 6,089 |
| Noninterest expense to average assets | 1.7315% | 7,066 |
| Loan and lease loss provision to assets | 0.4635% | 2,136 |
| Net operating income to assets | 1.3922% | 1,173 |
| Return on assets (ROA) | 1.3922% | 1,251 |
| Pretax return on assets | 1.4497% | 1,786 |
| Return on Equity (ROE) | 11.1788% | 1,792 |
| Retained earnings to average equity (ytd only) | 9.0056% | 1,143 |
| Net charge-offs to loans | 1.0615% | 1,499 |
| Credit loss provision to net charge-offs | 102.4590% | 3,254 |
| Earnings coverage of net charge-offs (x) | 4.2295% | 3,138 |
| Efficiency ratio | 47.5076% | 6,985 |
| Assets per employee ($millions) | 5.1661% | 1,971 |
| Cash dividends to net income (ytd only)* | 19.4405% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6212% | 3,568 |
| Loan loss allowance to noncurrent loans | 225.0000% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 6,309 |
| Noncurrent loans to loans | 0.7205% | 5,434 |
| Net loans and leases to total assets | 41.5314% | 6,526 |
| Net loans and leases to deposits | 59.1742% | 5,736 |
| Net loans and leases to core deposits | 62.0915% | 5,804 |
| Total domestic deposits to total assets | 70.1850% | 7,033 |
| Equity capital to assets | 13.8982% | 1,198 |
| Core capital (leverage) ratio | 11.1788% | 2,255 |
| Tier 1 risk-based capital ratio | 21.4696% | 1,374 |
| Total risk-based capital ratio | 22.7214% | 1,346 |
| Memoranda: | ||
| Average total assets | $71,922,000 | 5,736 |
| Average earning assets | $67,406,500 | 5,671 |
| Average equity | $8,957,250 | 5,320 |
| Average total loans | $30,648,750 | 6,191 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9823% | 3,243 |
| Cost of funding earning assets | 1.3326% | 1,743 |
| Net interest margin | 3.6497% | 4,525 |
| Noninterest income to average assets | 0.2173% | 6,115 |
| Noninterest expense to average assets | 1.7245% | 7,155 |
| Loan and lease loss provision to assets | 0.6965% | 1,363 |
| Net operating income to assets | 1.1701% | 1,659 |
| Return on assets (ROA) | 1.1701% | 1,741 |
| Pretax return on assets | 1.2147% | 2,424 |
| Return on Equity (ROE) | 9.7762% | 2,198 |
| Retained earnings to average equity (ytd only) | 6.6105% | 2,076 |
| Net charge-offs to loans | 1.5902% | 924 |
| Credit loss provision to net charge-offs | 102.4590% | 3,018 |
| Earnings coverage of net charge-offs (x) | 2.8115% | 3,442 |
| Efficiency ratio | 47.4330% | 7,088 |
| Assets per employee ($millions) | 5.1593% | 1,923 |
| Cash dividends to net income (ytd only)* | 32.3810% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6350% | 3,561 |
| Loan loss allowance to noncurrent loans | 303.6810% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2257% | 6,559 |
| Noncurrent loans to loans | 0.5384% | 5,837 |
| Net loans and leases to total assets | 41.2294% | 6,652 |
| Net loans and leases to deposits | 56.6666% | 6,077 |
| Net loans and leases to core deposits | 59.3487% | 6,153 |
| Total domestic deposits to total assets | 72.7579% | 6,949 |
| Equity capital to assets | 12.6942% | 1,680 |
| Core capital (leverage) ratio | 10.6377% | 2,577 |
| Tier 1 risk-based capital ratio | 20.6016% | 1,496 |
| Total risk-based capital ratio | 21.8537% | 1,470 |
| Memoranda: | ||
| Average total assets | $71,787,330 | 5,786 |
| Average earning assets | $67,238,670 | 5,721 |
| Average equity | $8,592,330 | 5,435 |
| Average total loans | $30,687,330 | 6,249 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 3,074 |
| Cost of funding earning assets | 1.3387% | 1,960 |
| Net interest margin | 3.6693% | 4,249 |
| Noninterest income to average assets | 0.2347% | 6,035 |
| Noninterest expense to average assets | 1.7047% | 7,225 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.8948% | 406 |
| Return on assets (ROA) | 1.8948% | 430 |
| Pretax return on assets | 1.9618% | 593 |
| Return on Equity (ROE) | 16.3295% | 643 |
| Retained earnings to average equity (ytd only) | 13.4393% | 526 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4939% | 7,182 |
| Assets per employee ($millions) | 5.0486% | 2,094 |
| Cash dividends to net income (ytd only)* | 17.6991% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 3,619 |
| Loan loss allowance to noncurrent loans | 87.9496% | 3,244 |
| Noncurrent assets plus other real estate owned to assets | 1.6780% | 3,734 |
| Noncurrent loans to loans | 1.8511% | 3,754 |
| Net loans and leases to total assets | 41.8039% | 6,642 |
| Net loans and leases to deposits | 57.1664% | 6,006 |
| Net loans and leases to core deposits | 59.9075% | 6,100 |
| Total domestic deposits to total assets | 73.1268% | 6,989 |
| Equity capital to assets | 12.1703% | 1,814 |
| Core capital (leverage) ratio | 10.7391% | 2,408 |
| Tier 1 risk-based capital ratio | 20.7482% | 1,441 |
| Total risk-based capital ratio | 21.9989% | 1,417 |
| Memoranda: | ||
| Average total assets | $71,566,000 | 5,828 |
| Average earning assets | $66,933,000 | 5,768 |
| Average equity | $8,304,000 | 5,519 |
| Average total loans | $30,893,500 | 6,293 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2073% | 3,572 |
| Cost of funding earning assets | 1.5407% | 2,406 |
| Net interest margin | 3.6666% | 4,506 |
| Noninterest income to average assets | 0.2293% | 6,161 |
| Noninterest expense to average assets | 1.9264% | 7,121 |
| Loan and lease loss provision to assets | 0.0699% | 6,443 |
| Net operating income to assets | 1.5825% | 640 |
| Return on assets (ROA) | 1.5825% | 700 |
| Pretax return on assets | 1.6496% | 1,038 |
| Return on Equity (ROE) | 13.6675% | 949 |
| Retained earnings to average equity (ytd only) | 5.5057% | 2,107 |
| Net charge-offs to loans | 0.2979% | 4,528 |
| Credit loss provision to net charge-offs | 52.6316% | 6,223 |
| Earnings coverage of net charge-offs (x) | 12.9474% | 1,454 |
| Efficiency ratio | 52.7224% | 6,928 |
| Assets per employee ($millions) | 4.8301% | 2,385 |
| Cash dividends to net income (ytd only)* | 59.7173% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 3,819 |
| Loan loss allowance to noncurrent loans | 136.9748% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.3899% | 4,257 |
| Noncurrent loans to loans | 1.1244% | 4,862 |
| Net loans and leases to total assets | 43.1486% | 6,775 |
| Net loans and leases to deposits | 58.0625% | 6,249 |
| Net loans and leases to core deposits | 60.7159% | 6,336 |
| Total domestic deposits to total assets | 74.3140% | 6,851 |
| Equity capital to assets | 11.0501% | 2,642 |
| Core capital (leverage) ratio | 10.5581% | 2,500 |
| Tier 1 risk-based capital ratio | 19.0495% | 1,710 |
| Total risk-based capital ratio | 20.2988% | 1,677 |
| Memoranda: | ||
| Average total assets | $71,531,600 | 5,837 |
| Average earning assets | $66,656,600 | 5,780 |
| Average equity | $8,282,400 | 5,621 |
| Average total loans | $31,886,400 | 6,322 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3030% | 3,342 |
| Cost of funding earning assets | 1.5917% | 2,436 |
| Net interest margin | 3.7113% | 4,350 |
| Noninterest income to average assets | 0.2337% | 6,212 |
| Noninterest expense to average assets | 1.7708% | 7,359 |
| Loan and lease loss provision to assets | 0.0935% | 6,091 |
| Net operating income to assets | 1.7540% | 563 |
| Return on assets (ROA) | 1.7540% | 613 |
| Pretax return on assets | 1.8269% | 881 |
| Return on Equity (ROE) | 14.9750% | 861 |
| Retained earnings to average equity (ytd only) | 5.1567% | 2,867 |
| Net charge-offs to loans | 0.1921% | 4,802 |
| Credit loss provision to net charge-offs | 108.6957% | 3,915 |
| Earnings coverage of net charge-offs (x) | 22.3268% | 1,099 |
| Efficiency ratio | 47.8217% | 7,282 |
| Assets per employee ($millions) | 4.2779% | 3,296 |
| Cash dividends to net income (ytd only)* | 65.5648% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6840% | 3,204 |
| Loan loss allowance to noncurrent loans | 61.2756% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.2828% | 4,579 |
| Noncurrent loans to loans | 2.7483% | 2,888 |
| Net loans and leases to total assets | 45.8887% | 6,704 |
| Net loans and leases to deposits | 64.0922% | 5,903 |
| Net loans and leases to core deposits | 67.0187% | 6,033 |
| Total domestic deposits to total assets | 71.5980% | 7,172 |
| Equity capital to assets | 12.9474% | 1,605 |
| Core capital (leverage) ratio | 10.3108% | 2,899 |
| Tier 1 risk-based capital ratio | 19.3468% | 1,676 |
| Total risk-based capital ratio | 20.5907% | 1,645 |
| Memoranda: | ||
| Average total assets | $71,301,500 | 5,907 |
| Average earning assets | $66,426,500 | 5,850 |
| Average equity | $8,351,500 | 5,675 |
| Average total loans | $31,920,250 | 6,398 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 4,211 |
| Cost of funding earning assets | 1.6042% | 2,630 |
| Net interest margin | 3.5418% | 5,083 |
| Noninterest income to average assets | 0.2408% | 6,181 |
| Noninterest expense to average assets | 1.6636% | 7,528 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8020% | 485 |
| Return on assets (ROA) | 1.8020% | 526 |
| Pretax return on assets | 1.8712% | 776 |
| Return on Equity (ROE) | 15.9143% | 713 |
| Retained earnings to average equity (ytd only) | 2.8357% | 4,338 |
| Net charge-offs to loans | 0.1755% | 4,560 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 24.1429% | 1,084 |
| Efficiency ratio | 46.8285% | 7,401 |
| Assets per employee ($millions) | 4.4989% | 2,878 |
| Cash dividends to net income (ytd only)* | 82.1813% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 3,594 |
| Loan loss allowance to noncurrent loans | 56.7901% | 4,527 |
| Noncurrent assets plus other real estate owned to assets | 1.2767% | 4,593 |
| Noncurrent loans to loans | 2.7598% | 2,897 |
| Net loans and leases to total assets | 44.1485% | 6,909 |
| Net loans and leases to deposits | 60.5026% | 6,368 |
| Net loans and leases to core deposits | 66.6422% | 6,193 |
| Total domestic deposits to total assets | 72.9696% | 7,102 |
| Equity capital to assets | 11.4862% | 2,457 |
| Core capital (leverage) ratio | 9.6252% | 3,647 |
| Tier 1 risk-based capital ratio | 18.1816% | 1,906 |
| Total risk-based capital ratio | 19.4012% | 1,890 |
| Memoranda: | ||
| Average total assets | $72,253,330 | 5,910 |
| Average earning assets | $67,197,000 | 5,855 |
| Average equity | $8,181,330 | 5,736 |
| Average total loans | $31,911,330 | 6,442 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9745% | 5,139 |
| Cost of funding earning assets | 1.6248% | 2,803 |
| Net interest margin | 3.3497% | 5,788 |
| Noninterest income to average assets | 0.2818% | 5,889 |
| Noninterest expense to average assets | 1.7351% | 7,542 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6411% | 698 |
| Return on assets (ROA) | 1.6411% | 744 |
| Pretax return on assets | 1.6909% | 1,077 |
| Return on Equity (ROE) | 14.5982% | 941 |
| Retained earnings to average equity (ytd only) | 10.9118% | 937 |
| Net charge-offs to loans | -0.0378% | 7,264 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1613% | 7,306 |
| Assets per employee ($millions) | 4.4744% | 3,001 |
| Cash dividends to net income (ytd only)* | 25.2525% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7290% | 2,964 |
| Loan loss allowance to noncurrent loans | 44.3435% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 1.8257% | 3,745 |
| Noncurrent loans to loans | 3.8990% | 2,027 |
| Net loans and leases to total assets | 42.6344% | 7,084 |
| Net loans and leases to deposits | 58.9581% | 6,556 |
| Net loans and leases to core deposits | 58.9581% | 6,820 |
| Total domestic deposits to total assets | 72.3132% | 7,234 |
| Equity capital to assets | 11.6720% | 2,247 |
| Core capital (leverage) ratio | 9.9271% | 3,255 |
| Tier 1 risk-based capital ratio | 18.8596% | 1,751 |
| Total risk-based capital ratio | 20.0868% | 1,723 |
| Memoranda: | ||
| Average total assets | $72,389,000 | 5,987 |
| Average earning assets | $67,946,500 | 5,911 |
| Average equity | $8,138,000 | 5,796 |
| Average total loans | $31,724,500 | 6,531 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5677% | 3,766 |
| Cost of funding earning assets | 1.9219% | 3,346 |
| Net interest margin | 3.6457% | 4,368 |
| Noninterest income to average assets | 0.2888% | 6,044 |
| Noninterest expense to average assets | 2.0372% | 7,305 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6011% | 550 |
| Return on assets (ROA) | 1.6011% | 583 |
| Pretax return on assets | 1.6531% | 861 |
| Return on Equity (ROE) | 14.8707% | 688 |
| Retained earnings to average equity (ytd only) | 8.0857% | 674 |
| Net charge-offs to loans | -0.0896% | 7,877 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2034% | 7,106 |
| Assets per employee ($millions) | 4.5743% | 2,801 |
| Cash dividends to net income (ytd only)* | 45.6267% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6487% | 3,090 |
| Loan loss allowance to noncurrent loans | 59.6648% | 4,406 |
| Noncurrent assets plus other real estate owned to assets | 1.3540% | 4,389 |
| Noncurrent loans to loans | 2.7632% | 2,794 |
| Net loans and leases to total assets | 43.5263% | 7,146 |
| Net loans and leases to deposits | 58.8335% | 6,716 |
| Net loans and leases to core deposits | 70.5512% | 6,733 |
| Total domestic deposits to total assets | 73.9821% | 7,017 |
| Equity capital to assets | 10.8214% | 2,846 |
| Core capital (leverage) ratio | 9.8781% | 3,229 |
| Tier 1 risk-based capital ratio | 17.7582% | 1,955 |
| Total risk-based capital ratio | 19.0105% | 1,910 |
| Memoranda: | ||
| Average total assets | $69,263,200 | 6,026 |
| Average earning assets | $64,623,200 | 5,971 |
| Average equity | $7,457,600 | 6,105 |
| Average total loans | $33,475,200 | 6,431 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8790% | 2,538 |
| Cost of funding earning assets | 1.9729% | 3,502 |
| Net interest margin | 3.9061% | 3,218 |
| Noninterest income to average assets | 0.2968% | 6,098 |
| Noninterest expense to average assets | 1.9644% | 7,449 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8960% | 362 |
| Return on assets (ROA) | 1.8960% | 390 |
| Pretax return on assets | 1.9819% | 560 |
| Return on Equity (ROE) | 17.6332% | 489 |
| Retained earnings to average equity (ytd only) | 9.8063% | 672 |
| Net charge-offs to loans | -0.1185% | 7,933 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7773% | 7,575 |
| Assets per employee ($millions) | 4.1853% | 3,403 |
| Cash dividends to net income (ytd only)* | 44.3872% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5869% | 3,040 |
| Loan loss allowance to noncurrent loans | 62.0930% | 4,243 |
| Noncurrent assets plus other real estate owned to assets | 1.5695% | 4,008 |
| Noncurrent loans to loans | 2.5557% | 2,956 |
| Net loans and leases to total assets | 49.4527% | 6,826 |
| Net loans and leases to deposits | 68.2579% | 6,109 |
| Net loans and leases to core deposits | 83.9421% | 6,042 |
| Total domestic deposits to total assets | 72.4498% | 7,155 |
| Equity capital to assets | 11.9107% | 2,288 |
| Core capital (leverage) ratio | 10.0616% | 3,219 |
| Tier 1 risk-based capital ratio | 17.9751% | 1,996 |
| Total risk-based capital ratio | 19.2258% | 1,940 |
| Memoranda: | ||
| Average total assets | $68,282,000 | 6,096 |
| Average earning assets | $63,796,500 | 6,043 |
| Average equity | $7,342,000 | 6,210 |
| Average total loans | $33,746,500 | 6,461 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0304% | 2,056 |
| Cost of funding earning assets | 1.9893% | 3,826 |
| Net interest margin | 4.0411% | 2,536 |
| Noninterest income to average assets | 0.3056% | 6,073 |
| Noninterest expense to average assets | 1.9208% | 7,599 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0983% | 238 |
| Return on assets (ROA) | 2.0983% | 261 |
| Pretax return on assets | 2.1507% | 396 |
| Return on Equity (ROE) | 20.2225% | 327 |
| Retained earnings to average equity (ytd only) | 10.2375% | 681 |
| Net charge-offs to loans | -0.2072% | 8,031 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1766% | 7,795 |
| Assets per employee ($millions) | 4.8796% | 2,221 |
| Cash dividends to net income (ytd only)* | 49.3759% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5498% | 2,954 |
| Loan loss allowance to noncurrent loans | 190.4594% | 1,585 |
| Noncurrent assets plus other real estate owned to assets | 0.6939% | 5,674 |
| Noncurrent loans to loans | 0.8137% | 5,597 |
| Net loans and leases to total assets | 50.1200% | 6,861 |
| Net loans and leases to deposits | 70.3594% | 5,948 |
| Net loans and leases to core deposits | 86.4294% | 5,859 |
| Total domestic deposits to total assets | 71.2343% | 7,335 |
| Equity capital to assets | 10.6084% | 3,290 |
| Core capital (leverage) ratio | 9.7421% | 3,584 |
| Tier 1 risk-based capital ratio | 16.9573% | 2,319 |
| Total risk-based capital ratio | 18.2093% | 2,269 |
| Memoranda: | ||
| Average total assets | $68,721,000 | 6,123 |
| Average earning assets | $64,042,330 | 6,076 |
| Average equity | $7,130,670 | 6,328 |
| Average total loans | $33,778,670 | 6,516 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0255% | 2,249 |
| Cost of funding earning assets | 2.0314% | 3,979 |
| Net interest margin | 3.9941% | 2,668 |
| Noninterest income to average assets | 0.3308% | 5,803 |
| Noninterest expense to average assets | 1.7236% | 7,796 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2982% | 189 |
| Return on assets (ROA) | 2.2982% | 225 |
| Pretax return on assets | 2.3156% | 352 |
| Return on Equity (ROE) | 22.3966% | 289 |
| Retained earnings to average equity (ytd only) | 16.1753% | 325 |
| Net charge-offs to loans | -0.6611% | 8,133 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.6724% | 7,980 |
| Assets per employee ($millions) | 4.5486% | 2,647 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6396% | 2,355 |
| Loan loss allowance to noncurrent loans | 128.2110% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 5,574 |
| Noncurrent loans to loans | 1.2788% | 4,421 |
| Net loans and leases to total assets | 49.1507% | 6,934 |
| Net loans and leases to deposits | 67.5428% | 6,225 |
| Net loans and leases to core deposits | 84.7314% | 6,003 |
| Total domestic deposits to total assets | 72.7696% | 7,085 |
| Equity capital to assets | 10.6406% | 3,339 |
| Core capital (leverage) ratio | 9.6782% | 3,785 |
| Tier 1 risk-based capital ratio | 17.0692% | 2,315 |
| Total risk-based capital ratio | 18.3212% | 2,256 |
| Memoranda: | ||
| Average total assets | $68,924,500 | 6,145 |
| Average earning assets | $63,994,500 | 6,109 |
| Average equity | $7,072,500 | 6,378 |
| Average total loans | $33,279,000 | 6,576 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5360% | 2,780 |
| Cost of funding earning assets | 2.6473% | 3,450 |
| Net interest margin | 3.8887% | 3,618 |
| Noninterest income to average assets | 0.3310% | 6,077 |
| Noninterest expense to average assets | 2.0053% | 7,430 |
| Loan and lease loss provision to assets | 0.3819% | 3,408 |
| Net operating income to assets | 1.6758% | 709 |
| Return on assets (ROA) | 1.6893% | 667 |
| Pretax return on assets | 1.5695% | 1,482 |
| Return on Equity (ROE) | 16.7344% | 669 |
| Retained earnings to average equity (ytd only) | 7.8331% | 892 |
| Net charge-offs to loans | 0.5601% | 2,136 |
| Credit loss provision to net charge-offs | 138.5870% | 3,834 |
| Earnings coverage of net charge-offs (x) | 7.0326% | 3,204 |
| Efficiency ratio | 50.8545% | 7,600 |
| Assets per employee ($millions) | 4.3513% | 2,881 |
| Cash dividends to net income (ytd only)* | 53.1915% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5525% | 2,439 |
| Loan loss allowance to noncurrent loans | 193.8462% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 5,177 |
| Noncurrent loans to loans | 0.8009% | 5,042 |
| Net loans and leases to total assets | 45.9063% | 7,341 |
| Net loans and leases to deposits | 59.8143% | 7,104 |
| Net loans and leases to core deposits | 73.5846% | 6,988 |
| Total domestic deposits to total assets | 76.7481% | 6,054 |
| Equity capital to assets | 9.8894% | 4,171 |
| Core capital (leverage) ratio | 9.3798% | 4,186 |
| Tier 1 risk-based capital ratio | 16.6454% | 2,437 |
| Total risk-based capital ratio | 17.8503% | 2,382 |
| Memoranda: | ||
| Average total assets | $66,774,400 | 6,133 |
| Average earning assets | $62,025,600 | 6,085 |
| Average equity | $6,740,600 | 6,553 |
| Average total loans | $32,848,600 | 6,561 |