Home > Union Bank and Trust Company > Performance and Condition Ratios
Union Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2171% | 3,593 |
| Cost of funding earning assets | 0.1055% | 4,482 |
| Net interest margin | 4.1116% | 1,056 |
| Noninterest income to average assets | 1.9800% | 269 |
| Noninterest expense to average assets | 3.7962% | 428 |
| Loan and lease loss provision to assets | 0.4200% | 228 |
| Net operating income to assets | 1.1570% | 1,761 |
| Return on assets (ROA) | 1.1570% | 1,738 |
| Pretax return on assets | 1.6830% | 1,094 |
| Return on Equity (ROE) | 14.4900% | 1,386 |
| Retained earnings to average equity (ytd only) | 12.6771% | 547 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.3283% | 2,565 |
| Assets per employee ($millions) | 5.3671% | 3,345 |
| Cash dividends to net income (ytd only)* | 12.5351% | 3,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8271% | 517 |
| Loan loss allowance to noncurrent loans | 59.0986% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.6292% | 217 |
| Noncurrent loans to loans | 3.0917% | 137 |
| Net loans and leases to total assets | 51.7300% | 3,495 |
| Net loans and leases to deposits | 57.1449% | 3,660 |
| Net loans and leases to core deposits | 57.1449% | 3,869 |
| Total domestic deposits to total assets | 90.5300% | 623 |
| Equity capital to assets | 8.9641% | 2,698 |
| Core capital (leverage) ratio | 9.7501% | 3,017 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0985% | 899 |
| Memoranda: | ||
| Average total assets | $184,789,200 | 3,090 |
| Average earning assets | $176,329,800 | 3,040 |
| Average equity | $14,751,000 | 3,289 |
| Average total loans | $94,833,000 | 3,232 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1390% | 3,583 |
| Cost of funding earning assets | 0.1166% | 4,502 |
| Net interest margin | 4.0224% | 1,187 |
| Noninterest income to average assets | 1.9300% | 291 |
| Noninterest expense to average assets | 3.7194% | 439 |
| Loan and lease loss provision to assets | 0.1000% | 1,184 |
| Net operating income to assets | 1.3299% | 1,472 |
| Return on assets (ROA) | 1.3299% | 1,455 |
| Pretax return on assets | 1.9341% | 827 |
| Return on Equity (ROE) | 17.1800% | 1,048 |
| Retained earnings to average equity (ytd only) | 14.6903% | 594 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.6779% | 2,422 |
| Assets per employee ($millions) | 5.8187% | 2,909 |
| Cash dividends to net income (ytd only)* | 14.4943% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 2,702 |
| Loan loss allowance to noncurrent loans | 38.5175% | 3,716 |
| Noncurrent assets plus other real estate owned to assets | 1.6005% | 222 |
| Noncurrent loans to loans | 2.9480% | 142 |
| Net loans and leases to total assets | 53.6800% | 3,386 |
| Net loans and leases to deposits | 58.8229% | 3,567 |
| Net loans and leases to core deposits | 58.8229% | 3,750 |
| Total domestic deposits to total assets | 91.2500% | 609 |
| Equity capital to assets | 8.2637% | 2,876 |
| Core capital (leverage) ratio | 9.6790% | 3,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5326% | 1,015 |
| Memoranda: | ||
| Average total assets | $185,365,750 | 3,091 |
| Average earning assets | $176,109,500 | 3,047 |
| Average equity | $14,349,250 | 3,313 |
| Average total loans | $94,501,000 | 3,238 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9517% | 3,786 |
| Cost of funding earning assets | 0.0881% | 4,524 |
| Net interest margin | 3.8636% | 1,502 |
| Noninterest income to average assets | 1.8900% | 254 |
| Noninterest expense to average assets | 3.6882% | 443 |
| Loan and lease loss provision to assets | 0.1000% | 1,140 |
| Net operating income to assets | 1.2362% | 1,729 |
| Return on assets (ROA) | 1.2362% | 1,724 |
| Pretax return on assets | 1.8072% | 996 |
| Return on Equity (ROE) | 16.3200% | 1,213 |
| Retained earnings to average equity (ytd only) | 12.5391% | 878 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 65.9591% | 2,241 |
| Assets per employee ($millions) | 5.7645% | 2,914 |
| Cash dividends to net income (ytd only)* | 23.1834% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 2,948 |
| Loan loss allowance to noncurrent loans | 36.9588% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.6694% | 198 |
| Noncurrent loans to loans | 2.9839% | 143 |
| Net loans and leases to total assets | 55.3300% | 3,164 |
| Net loans and leases to deposits | 63.3366% | 3,235 |
| Net loans and leases to core deposits | 64.0823% | 3,443 |
| Total domestic deposits to total assets | 87.3600% | 1,815 |
| Equity capital to assets | 8.4366% | 2,915 |
| Core capital (leverage) ratio | 9.7260% | 3,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2053% | 1,084 |
| Memoranda: | ||
| Average total assets | $187,028,000 | 3,088 |
| Average earning assets | $179,314,000 | 3,035 |
| Average equity | $14,163,667 | 3,340 |
| Average total loans | $93,357,667 | 3,251 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8700% | 3,739 |
| Cost of funding earning assets | 0.0367% | 4,594 |
| Net interest margin | 3.8333% | 1,614 |
| Noninterest income to average assets | 1.8300% | 256 |
| Noninterest expense to average assets | 3.2874% | 711 |
| Loan and lease loss provision to assets | 0.0900% | 1,196 |
| Net operating income to assets | 1.4324% | 1,322 |
| Return on assets (ROA) | 1.4324% | 1,291 |
| Pretax return on assets | 2.1064% | 649 |
| Return on Equity (ROE) | 19.9300% | 774 |
| Retained earnings to average equity (ytd only) | 12.2433% | 1,225 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 59.9174% | 2,967 |
| Assets per employee ($millions) | 5.7311% | 2,998 |
| Cash dividends to net income (ytd only)* | 38.5612% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1232% | 2,942 |
| Loan loss allowance to noncurrent loans | 35.3878% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 1.6797% | 175 |
| Noncurrent loans to loans | 3.1740% | 137 |
| Net loans and leases to total assets | 52.3300% | 3,327 |
| Net loans and leases to deposits | 57.3563% | 3,483 |
| Net loans and leases to core deposits | 57.6352% | 3,652 |
| Total domestic deposits to total assets | 91.2300% | 724 |
| Equity capital to assets | 8.3591% | 2,998 |
| Core capital (leverage) ratio | 8.8381% | 3,864 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6118% | 1,054 |
| Memoranda: | ||
| Average total assets | $194,074,000 | 3,074 |
| Average earning assets | $185,325,000 | 3,025 |
| Average equity | $13,950,500 | 3,393 |
| Average total loans | $91,659,500 | 3,308 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0398% | 4,087 |
| Cost of funding earning assets | 0.0110% | 4,637 |
| Net interest margin | 3.0289% | 3,365 |
| Noninterest income to average assets | 1.6600% | 307 |
| Noninterest expense to average assets | 3.3314% | 600 |
| Loan and lease loss provision to assets | 0.0800% | 1,457 |
| Net operating income to assets | 0.8265% | 3,230 |
| Return on assets (ROA) | 0.8265% | 3,160 |
| Pretax return on assets | 1.1829% | 2,498 |
| Return on Equity (ROE) | 12.8000% | 1,878 |
| Retained earnings to average equity (ytd only) | 11.0442% | 877 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 72.5585% | 1,378 |
| Assets per employee ($millions) | 6.7568% | 2,150 |
| Cash dividends to net income (ytd only)* | 13.6946% | 3,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0582% | 3,085 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 42.2500% | 3,962 |
| Net loans and leases to deposits | 45.2545% | 4,077 |
| Net loans and leases to core deposits | 45.4253% | 4,137 |
| Total domestic deposits to total assets | 93.3600% | 335 |
| Equity capital to assets | 6.2572% | 3,997 |
| Core capital (leverage) ratio | 7.6566% | 4,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0450% | 1,122 |
| Memoranda: | ||
| Average total assets | $207,632,800 | 2,994 |
| Average earning assets | $200,867,400 | 2,927 |
| Average equity | $13,409,800 | 3,533 |
| Average total loans | $89,829,600 | 3,293 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7225% | 4,276 |
| Cost of funding earning assets | 0.0067% | 4,678 |
| Net interest margin | 2.7158% | 3,897 |
| Noninterest income to average assets | 1.6800% | 322 |
| Noninterest expense to average assets | 3.4168% | 518 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.5963% | 3,846 |
| Return on assets (ROA) | 0.5963% | 3,805 |
| Pretax return on assets | 0.8643% | 3,437 |
| Return on Equity (ROE) | 9.1600% | 2,988 |
| Retained earnings to average equity (ytd only) | 6.8160% | 2,441 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.2714% | 816 |
| Assets per employee ($millions) | 6.0904% | 2,680 |
| Cash dividends to net income (ytd only)* | 25.5713% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9426% | 3,721 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 43.7500% | 3,889 |
| Net loans and leases to deposits | 46.6887% | 4,001 |
| Net loans and leases to core deposits | 46.9995% | 4,061 |
| Total domestic deposits to total assets | 93.7000% | 415 |
| Equity capital to assets | 5.8979% | 4,002 |
| Core capital (leverage) ratio | 7.4059% | 4,595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5206% | 1,279 |
| Memoranda: | ||
| Average total assets | $205,487,000 | 3,027 |
| Average earning assets | $199,171,750 | 2,959 |
| Average equity | $13,380,000 | 3,573 |
| Average total loans | $89,204,750 | 3,314 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4666% | 4,406 |
| Cost of funding earning assets | 0.0070% | 4,743 |
| Net interest margin | 2.4596% | 4,150 |
| Noninterest income to average assets | 1.6530% | 290 |
| Noninterest expense to average assets | 3.3080% | 542 |
| Loan and lease loss provision to assets | 0.0293% | 2,069 |
| Net operating income to assets | 0.4850% | 3,937 |
| Return on assets (ROA) | 0.4850% | 3,888 |
| Pretax return on assets | 0.7036% | 3,563 |
| Return on Equity (ROE) | 7.2191% | 3,244 |
| Retained earnings to average equity (ytd only) | 3.8057% | 3,154 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8643% | 812 |
| Assets per employee ($millions) | 6.1201% | 2,636 |
| Cash dividends to net income (ytd only)* | 47.2837% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 3,802 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 41.2987% | 4,019 |
| Net loans and leases to deposits | 44.0963% | 4,112 |
| Net loans and leases to core deposits | 44.3802% | 4,178 |
| Total domestic deposits to total assets | 93.6556% | 358 |
| Equity capital to assets | 6.0494% | 4,185 |
| Core capital (leverage) ratio | 7.9630% | 4,354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5321% | 1,298 |
| Memoranda: | ||
| Average total assets | $204,958,333 | 3,066 |
| Average earning assets | $198,978,667 | 3,002 |
| Average equity | $13,769,000 | 3,608 |
| Average total loans | $88,457,333 | 3,348 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3549% | 4,412 |
| Cost of funding earning assets | 0.0102% | 4,756 |
| Net interest margin | 2.3447% | 4,161 |
| Noninterest income to average assets | 1.6233% | 321 |
| Noninterest expense to average assets | 3.3424% | 499 |
| Loan and lease loss provision to assets | 0.0299% | 1,829 |
| Net operating income to assets | 0.3714% | 4,017 |
| Return on assets (ROA) | 0.3714% | 3,980 |
| Pretax return on assets | 0.5371% | 3,795 |
| Return on Equity (ROE) | 5.2489% | 3,557 |
| Retained earnings to average equity (ytd only) | -1.3828% | 4,180 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4954% | 767 |
| Assets per employee ($millions) | 6.1727% | 2,649 |
| Cash dividends to net income (ytd only)* | 126.3441% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9196% | 3,990 |
| 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 | 44.0098% | 3,737 |
| Net loans and leases to deposits | 47.2018% | 3,918 |
| Net loans and leases to core deposits | 47.5225% | 4,006 |
| Total domestic deposits to total assets | 93.2375% | 218 |
| Equity capital to assets | 6.5445% | 4,411 |
| Core capital (leverage) ratio | 7.9509% | 4,338 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7714% | 1,320 |
| Memoranda: | ||
| Average total assets | $200,336,000 | 3,102 |
| Average earning assets | $195,335,500 | 3,040 |
| Average equity | $14,174,500 | 3,637 |
| Average total loans | $88,031,000 | 3,358 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4339% | 4,525 |
| Cost of funding earning assets | 0.0118% | 4,792 |
| Net interest margin | 2.4221% | 4,300 |
| Noninterest income to average assets | 1.6063% | 435 |
| Noninterest expense to average assets | 3.2946% | 638 |
| Loan and lease loss provision to assets | 0.0304% | 2,450 |
| Net operating income to assets | 0.3911% | 4,286 |
| Return on assets (ROA) | 0.3911% | 4,318 |
| Pretax return on assets | 0.5671% | 4,160 |
| Return on Equity (ROE) | 5.1340% | 3,966 |
| Retained earnings to average equity (ytd only) | 3.5732% | 3,396 |
| Net charge-offs to loans | -0.0612% | 4,415 |
| Credit loss provision to net charge-offs | -130.4348% | 3,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6484% | 539 |
| Assets per employee ($millions) | 5.9689% | 2,811 |
| Cash dividends to net income (ytd only)* | 30.4010% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 3,917 |
| 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 | 43.0341% | 3,910 |
| Net loans and leases to deposits | 46.7607% | 4,059 |
| Net loans and leases to core deposits | 47.1609% | 4,132 |
| Total domestic deposits to total assets | 92.0304% | 168 |
| Equity capital to assets | 7.6244% | 4,547 |
| Core capital (leverage) ratio | 7.4083% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9051% | 1,064 |
| Memoranda: | ||
| Average total assets | $197,657,800 | 3,082 |
| Average earning assets | $186,535,200 | 3,051 |
| Average equity | $15,056,400 | 3,627 |
| Average total loans | $75,107,600 | 3,558 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4827% | 4,579 |
| Cost of funding earning assets | 0.0130% | 4,871 |
| Net interest margin | 2.4697% | 4,327 |
| Noninterest income to average assets | 1.5953% | 491 |
| Noninterest expense to average assets | 3.2970% | 604 |
| Loan and lease loss provision to assets | 0.0303% | 2,387 |
| Net operating income to assets | 0.3970% | 4,376 |
| Return on assets (ROA) | 0.3970% | 4,408 |
| Pretax return on assets | 0.5756% | 4,265 |
| Return on Equity (ROE) | 5.2125% | 4,087 |
| Retained earnings to average equity (ytd only) | 3.1328% | 3,859 |
| Net charge-offs to loans | -0.0846% | 4,548 |
| Credit loss provision to net charge-offs | -97.8261% | 3,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4759% | 497 |
| Assets per employee ($millions) | 7.6055% | 1,506 |
| Cash dividends to net income (ytd only)* | 39.8981% | 1,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,757 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.3606% | 4,374 |
| Net loans and leases to deposits | 39.2786% | 4,479 |
| Net loans and leases to core deposits | 39.5874% | 4,526 |
| Total domestic deposits to total assets | 92.5711% | 66 |
| Equity capital to assets | 7.1049% | 4,792 |
| Core capital (leverage) ratio | 7.5872% | 4,664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9533% | 1,363 |
| Memoranda: | ||
| Average total assets | $197,828,750 | 3,117 |
| Average earning assets | $184,848,250 | 3,102 |
| Average equity | $15,066,000 | 3,672 |
| Average total loans | $72,488,750 | 3,659 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6339% | 4,519 |
| Cost of funding earning assets | 0.0135% | 4,907 |
| Net interest margin | 2.6204% | 4,132 |
| Noninterest income to average assets | 1.6412% | 458 |
| Noninterest expense to average assets | 3.3674% | 560 |
| Loan and lease loss provision to assets | 0.0311% | 2,358 |
| Net operating income to assets | 0.4606% | 4,286 |
| Return on assets (ROA) | 0.4606% | 4,328 |
| Pretax return on assets | 0.6671% | 4,133 |
| Return on Equity (ROE) | 5.9024% | 3,924 |
| Retained earnings to average equity (ytd only) | 2.7784% | 3,918 |
| Net charge-offs to loans | -0.1304% | 4,696 |
| Credit loss provision to net charge-offs | -65.2174% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8273% | 624 |
| Assets per employee ($millions) | 6.7020% | 2,021 |
| Cash dividends to net income (ytd only)* | 52.9279% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 3,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 38.7196% | 4,356 |
| Net loans and leases to deposits | 41.9679% | 4,460 |
| Net loans and leases to core deposits | 42.3188% | 4,510 |
| Total domestic deposits to total assets | 92.2601% | 85 |
| Equity capital to assets | 7.4913% | 4,743 |
| Core capital (leverage) ratio | 8.1989% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1524% | 1,084 |
| Memoranda: | ||
| Average total assets | $192,787,333 | 3,154 |
| Average earning assets | $178,368,333 | 3,149 |
| Average equity | $15,044,667 | 3,676 |
| Average total loans | $70,574,000 | 3,712 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7577% | 4,418 |
| Cost of funding earning assets | 0.0165% | 4,936 |
| Net interest margin | 2.7413% | 3,882 |
| Noninterest income to average assets | 1.6517% | 514 |
| Noninterest expense to average assets | 3.5452% | 440 |
| Loan and lease loss provision to assets | 0.0318% | 2,353 |
| Net operating income to assets | 0.3753% | 4,404 |
| Return on assets (ROA) | 0.3753% | 4,433 |
| Pretax return on assets | 0.5428% | 4,288 |
| Return on Equity (ROE) | 4.7087% | 4,151 |
| Retained earnings to average equity (ytd only) | -1.5430% | 4,511 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0525% | 509 |
| Assets per employee ($millions) | 5.9491% | 2,651 |
| Cash dividends to net income (ytd only)* | 132.7684% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 3,544 |
| 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 | 33.0301% | 4,602 |
| Net loans and leases to deposits | 35.7053% | 4,686 |
| Net loans and leases to core deposits | 36.0010% | 4,724 |
| Total domestic deposits to total assets | 92.5075% | 69 |
| Equity capital to assets | 7.3639% | 4,753 |
| Core capital (leverage) ratio | 8.3314% | 4,276 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.5015% | 853 |
| Memoranda: | ||
| Average total assets | $188,650,500 | 3,179 |
| Average earning assets | $169,849,000 | 3,216 |
| Average equity | $15,036,000 | 3,681 |
| Average total loans | $66,542,500 | 3,804 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8486% | 4,731 |
| Cost of funding earning assets | 0.0391% | 4,951 |
| Net interest margin | 2.8095% | 4,250 |
| Noninterest income to average assets | 1.8522% | 372 |
| Noninterest expense to average assets | 3.7383% | 504 |
| Loan and lease loss provision to assets | 0.0380% | 3,938 |
| Net operating income to assets | 0.5259% | 3,972 |
| Return on assets (ROA) | 0.5259% | 4,060 |
| Pretax return on assets | 0.7272% | 3,820 |
| Return on Equity (ROE) | 6.0578% | 3,566 |
| Retained earnings to average equity (ytd only) | 4.4675% | 2,554 |
| Net charge-offs to loans | -0.0051% | 4,136 |
| Credit loss provision to net charge-offs | -2,166.6667% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0086% | 690 |
| Assets per employee ($millions) | 5.1480% | 3,232 |
| Cash dividends to net income (ytd only)* | 26.2514% | 3,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0847% | 3,532 |
| 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 | 37.0437% | 4,563 |
| Net loans and leases to deposits | 40.6947% | 4,643 |
| Net loans and leases to core deposits | 41.0903% | 4,672 |
| Total domestic deposits to total assets | 91.0284% | 220 |
| Equity capital to assets | 8.6710% | 4,322 |
| Core capital (leverage) ratio | 8.3729% | 4,330 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.4365% | 726 |
| Memoranda: | ||
| Average total assets | $170,932,600 | 3,186 |
| Average earning assets | $161,308,200 | 3,156 |
| Average equity | $14,840,400 | 3,666 |
| Average total loans | $59,321,400 | 3,935 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8739% | 4,805 |
| Cost of funding earning assets | 0.0451% | 4,991 |
| Net interest margin | 2.8288% | 4,291 |
| Noninterest income to average assets | 1.8935% | 342 |
| Noninterest expense to average assets | 3.7902% | 462 |
| Loan and lease loss provision to assets | 0.0277% | 3,989 |
| Net operating income to assets | 0.5728% | 3,852 |
| Return on assets (ROA) | 0.5728% | 3,946 |
| Pretax return on assets | 0.7831% | 3,692 |
| Return on Equity (ROE) | 6.5959% | 3,345 |
| Retained earnings to average equity (ytd only) | 4.4635% | 2,819 |
| Net charge-offs to loans | -0.0069% | 4,138 |
| Credit loss provision to net charge-offs | -1,166.6667% | 3,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3810% | 711 |
| Assets per employee ($millions) | 5.4319% | 2,768 |
| Cash dividends to net income (ytd only)* | 32.3288% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 3,559 |
| 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 | 35.4014% | 4,705 |
| Net loans and leases to deposits | 38.6952% | 4,782 |
| Net loans and leases to core deposits | 38.9333% | 4,810 |
| Total domestic deposits to total assets | 91.4877% | 103 |
| Equity capital to assets | 8.1593% | 4,652 |
| Core capital (leverage) ratio | 8.4892% | 4,308 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $169,908,000 | 3,176 |
| Average earning assets | $162,607,500 | 3,129 |
| Average equity | $14,756,250 | 3,681 |
| Average total loans | $57,764,500 | 3,974 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1630% | 4,745 |
| Cost of funding earning assets | 0.0522% | 5,025 |
| Net interest margin | 3.1108% | 3,879 |
| Noninterest income to average assets | 2.0366% | 283 |
| Noninterest expense to average assets | 3.8440% | 478 |
| Loan and lease loss provision to assets | 0.0121% | 4,068 |
| Net operating income to assets | 0.8389% | 2,903 |
| Return on assets (ROA) | 0.8389% | 3,020 |
| Pretax return on assets | 1.1432% | 2,572 |
| Return on Equity (ROE) | 9.4458% | 2,181 |
| Retained earnings to average equity (ytd only) | 6.2244% | 1,973 |
| Net charge-offs to loans | -0.0073% | 4,115 |
| Credit loss provision to net charge-offs | -500.0000% | 3,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8914% | 1,169 |
| Assets per employee ($millions) | 4.9495% | 3,234 |
| Cash dividends to net income (ytd only)* | 34.1040% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0691% | 3,235 |
| 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 | 35.0414% | 4,750 |
| Net loans and leases to deposits | 38.5152% | 4,822 |
| Net loans and leases to core deposits | 38.6400% | 4,846 |
| Total domestic deposits to total assets | 90.9809% | 150 |
| Equity capital to assets | 8.7016% | 4,350 |
| Core capital (leverage) ratio | 9.3147% | 3,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.0547% | 447 |
| Memoranda: | ||
| Average total assets | $164,982,333 | 3,200 |
| Average earning assets | $157,129,333 | 3,162 |
| Average equity | $14,652,000 | 3,692 |
| Average total loans | $54,998,667 | 4,034 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8141% | 4,998 |
| Cost of funding earning assets | 0.0662% | 5,066 |
| Net interest margin | 2.7480% | 4,621 |
| Noninterest income to average assets | 2.0490% | 261 |
| Noninterest expense to average assets | 3.8941% | 559 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6838% | 3,327 |
| Return on assets (ROA) | 0.6838% | 3,395 |
| Pretax return on assets | 0.8405% | 3,309 |
| Return on Equity (ROE) | 7.6172% | 2,673 |
| Retained earnings to average equity (ytd only) | 1.0803% | 3,721 |
| Net charge-offs to loans | -0.0154% | 4,229 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2479% | 961 |
| Assets per employee ($millions) | 5.2461% | 2,378 |
| Cash dividends to net income (ytd only)* | 85.8182% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 2,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 30.7282% | 4,894 |
| Net loans and leases to deposits | 33.7733% | 4,936 |
| Net loans and leases to core deposits | 33.8862% | 4,950 |
| Total domestic deposits to total assets | 90.9838% | 109 |
| Equity capital to assets | 8.7517% | 4,712 |
| Core capital (leverage) ratio | 9.5617% | 3,919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.8836% | 569 |
| Memoranda: | ||
| Average total assets | $160,857,500 | 3,207 |
| Average earning assets | $157,206,500 | 3,135 |
| Average equity | $14,441,000 | 3,725 |
| Average total loans | $51,818,500 | 4,119 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9473% | 5,072 |
| Cost of funding earning assets | 0.0684% | 5,133 |
| Net interest margin | 2.8789% | 4,678 |
| Noninterest income to average assets | 2.2267% | 227 |
| Noninterest expense to average assets | 3.9679% | 548 |
| Loan and lease loss provision to assets | -0.0475% | 5,016 |
| Net operating income to assets | 0.7850% | 3,601 |
| Return on assets (ROA) | 0.7845% | 3,680 |
| Pretax return on assets | 1.1023% | 3,154 |
| Return on Equity (ROE) | 9.1959% | 2,662 |
| Retained earnings to average equity (ytd only) | 7.5259% | 1,155 |
| Net charge-offs to loans | 0.0043% | 3,529 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,651 |
| Earnings coverage of net charge-offs (x) | 833.5000% | 125 |
| Efficiency ratio | 78.9892% | 1,037 |
| Assets per employee ($millions) | 4.8075% | 2,831 |
| Cash dividends to net income (ytd only)* | 18.1598% | 3,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 2,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 32.9979% | 4,920 |
| Net loans and leases to deposits | 36.4789% | 4,970 |
| Net loans and leases to core deposits | 36.6123% | 4,986 |
| Total domestic deposits to total assets | 90.4576% | 206 |
| Equity capital to assets | 9.2239% | 4,552 |
| Core capital (leverage) ratio | 9.1881% | 4,369 |
| Tier 1 risk-based capital ratio | 21.2937% | 1,115 |
| Total risk-based capital ratio | 22.2766% | 1,132 |
| Memoranda: | ||
| Average total assets | $157,943,400 | 3,220 |
| Average earning assets | $153,429,000 | 3,150 |
| Average equity | $13,473,400 | 3,821 |
| Average total loans | $46,928,000 | 4,238 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9215% | 5,164 |
| Cost of funding earning assets | 0.0674% | 5,212 |
| Net interest margin | 2.8541% | 4,805 |
| Noninterest income to average assets | 2.1035% | 243 |
| Noninterest expense to average assets | 3.5956% | 854 |
| Loan and lease loss provision to assets | -0.0629% | 5,133 |
| Net operating income to assets | 0.9568% | 3,141 |
| Return on assets (ROA) | 0.9561% | 3,221 |
| Pretax return on assets | 1.3403% | 2,526 |
| Return on Equity (ROE) | 11.4332% | 1,825 |
| Retained earnings to average equity (ytd only) | 9.1767% | 997 |
| Net charge-offs to loans | 0.0029% | 3,320 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,663 |
| Earnings coverage of net charge-offs (x) | 1,527.7820% | 51 |
| Efficiency ratio | 73.7739% | 1,605 |
| Assets per employee ($millions) | 5.6051% | 1,932 |
| Cash dividends to net income (ytd only)* | 19.7367% | 3,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3516% | 1,764 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 27.9531% | 5,092 |
| Net loans and leases to deposits | 30.6443% | 5,120 |
| Net loans and leases to core deposits | 30.7459% | 5,129 |
| Total domestic deposits to total assets | 91.2181% | 79 |
| Equity capital to assets | 8.3745% | 5,040 |
| Core capital (leverage) ratio | 8.8849% | 4,722 |
| Tier 1 risk-based capital ratio | 21.5661% | 1,127 |
| Total risk-based capital ratio | 22.5703% | 1,128 |
| Memoranda: | ||
| Average total assets | $158,969,250 | 3,240 |
| Average earning assets | $154,302,500 | 3,176 |
| Average equity | $13,294,250 | 3,890 |
| Average total loans | $45,808,250 | 4,318 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8610% | 5,235 |
| Cost of funding earning assets | 0.0623% | 5,258 |
| Net interest margin | 2.7987% | 4,933 |
| Noninterest income to average assets | 2.1192% | 243 |
| Noninterest expense to average assets | 3.4957% | 966 |
| Loan and lease loss provision to assets | -0.0962% | 5,208 |
| Net operating income to assets | 0.9798% | 2,994 |
| Return on assets (ROA) | 0.9788% | 3,067 |
| Pretax return on assets | 1.4278% | 2,112 |
| Return on Equity (ROE) | 11.7099% | 1,690 |
| Retained earnings to average equity (ytd only) | 8.2568% | 1,294 |
| Net charge-offs to loans | 0.0089% | 2,822 |
| Credit loss provision to net charge-offs | -3,750.0000% | 4,456 |
| Earnings coverage of net charge-offs (x) | 519.5000% | 145 |
| Efficiency ratio | 72.3964% | 1,862 |
| Assets per employee ($millions) | 4.8232% | 2,714 |
| Cash dividends to net income (ytd only)* | 29.4889% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 1,558 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 28.1736% | 5,121 |
| Net loans and leases to deposits | 30.9858% | 5,162 |
| Net loans and leases to core deposits | 31.0948% | 5,171 |
| Total domestic deposits to total assets | 90.9240% | 114 |
| Equity capital to assets | 8.6067% | 5,002 |
| Core capital (leverage) ratio | 9.2191% | 4,436 |
| Tier 1 risk-based capital ratio | 22.8681% | 957 |
| Total risk-based capital ratio | 23.9599% | 956 |
| Memoranda: | ||
| Average total assets | $155,908,000 | 3,282 |
| Average earning assets | $150,926,330 | 3,218 |
| Average equity | $13,031,670 | 3,932 |
| Average total loans | $45,195,000 | 4,364 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8387% | 5,302 |
| Cost of funding earning assets | 0.0668% | 5,318 |
| Net interest margin | 2.7720% | 5,012 |
| Noninterest income to average assets | 2.1831% | 217 |
| Noninterest expense to average assets | 3.9565% | 565 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6274% | 4,154 |
| Return on assets (ROA) | 0.6274% | 4,196 |
| Pretax return on assets | 0.9178% | 3,705 |
| Return on Equity (ROE) | 7.6232% | 3,414 |
| Retained earnings to average equity (ytd only) | 0.5355% | 4,426 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1702% | 954 |
| Assets per employee ($millions) | 5.4516% | 2,029 |
| Cash dividends to net income (ytd only)* | 92.9752% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5679% | 1,134 |
| 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 | 28.5915% | 5,171 |
| Net loans and leases to deposits | 31.2272% | 5,206 |
| Net loans and leases to core deposits | 31.3367% | 5,223 |
| Total domestic deposits to total assets | 91.5596% | 94 |
| Equity capital to assets | 8.1451% | 5,141 |
| Core capital (leverage) ratio | 9.1462% | 4,526 |
| Tier 1 risk-based capital ratio | 20.2579% | 1,296 |
| Total risk-based capital ratio | 21.3844% | 1,283 |
| Memoranda: | ||
| Average total assets | $154,278,500 | 3,346 |
| Average earning assets | $149,785,500 | 3,268 |
| Average equity | $12,698,000 | 3,982 |
| Average total loans | $45,049,500 | 4,407 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8463% | 5,277 |
| Cost of funding earning assets | 0.0535% | 5,360 |
| Net interest margin | 2.7928% | 5,026 |
| Noninterest income to average assets | 1.9938% | 271 |
| Noninterest expense to average assets | 3.5653% | 911 |
| Loan and lease loss provision to assets | 0.0475% | 3,233 |
| Net operating income to assets | 0.7989% | 3,811 |
| Return on assets (ROA) | 0.7969% | 3,821 |
| Pretax return on assets | 1.0942% | 3,292 |
| Return on Equity (ROE) | 10.5187% | 2,274 |
| Retained earnings to average equity (ytd only) | 9.0124% | 858 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7033% | 1,405 |
| Assets per employee ($millions) | 5.0154% | 2,482 |
| Cash dividends to net income (ytd only)* | 14.3198% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 28.8826% | 5,224 |
| Net loans and leases to deposits | 31.6164% | 5,249 |
| Net loans and leases to core deposits | 31.6751% | 5,261 |
| Total domestic deposits to total assets | 91.3532% | 141 |
| Equity capital to assets | 8.3204% | 5,035 |
| Core capital (leverage) ratio | 8.2466% | 5,151 |
| Tier 1 risk-based capital ratio | 24.6483% | 772 |
| Total risk-based capital ratio | 25.8989% | 755 |
| Memoranda: | ||
| Average total assets | $157,741,600 | 3,307 |
| Average earning assets | $153,393,000 | 3,202 |
| Average equity | $11,950,200 | 4,037 |
| Average total loans | $45,610,000 | 4,417 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7807% | 5,361 |
| Cost of funding earning assets | 0.0566% | 5,425 |
| Net interest margin | 2.7241% | 5,150 |
| Noninterest income to average assets | 1.9662% | 283 |
| Noninterest expense to average assets | 3.3675% | 1,168 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9050% | 3,503 |
| Return on assets (ROA) | 0.9050% | 3,508 |
| Pretax return on assets | 1.2509% | 2,806 |
| Return on Equity (ROE) | 12.2287% | 1,711 |
| Retained earnings to average equity (ytd only) | 10.1962% | 857 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9148% | 1,746 |
| Assets per employee ($millions) | 5.7097% | 1,727 |
| Cash dividends to net income (ytd only)* | 16.6203% | 3,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 1,652 |
| 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 | 26.2969% | 5,318 |
| Net loans and leases to deposits | 28.4498% | 5,359 |
| Net loans and leases to core deposits | 28.4957% | 5,360 |
| Total domestic deposits to total assets | 92.4327% | 58 |
| Equity capital to assets | 7.0734% | 5,380 |
| Core capital (leverage) ratio | 7.4927% | 5,394 |
| Tier 1 risk-based capital ratio | 21.7162% | 1,085 |
| Total risk-based capital ratio | 22.8143% | 1,085 |
| Memoranda: | ||
| Average total assets | $159,561,750 | 3,310 |
| Average earning assets | $155,352,750 | 3,212 |
| Average equity | $11,808,000 | 4,093 |
| Average total loans | $45,968,250 | 4,451 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7172% | 5,430 |
| Cost of funding earning assets | 0.0593% | 5,478 |
| Net interest margin | 2.6579% | 5,244 |
| Noninterest income to average assets | 2.0687% | 262 |
| Noninterest expense to average assets | 3.4294% | 1,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8917% | 3,490 |
| Return on assets (ROA) | 0.8917% | 3,502 |
| Pretax return on assets | 1.2309% | 2,812 |
| Return on Equity (ROE) | 11.8578% | 1,775 |
| Retained earnings to average equity (ytd only) | 8.7823% | 1,287 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5870% | 1,778 |
| Assets per employee ($millions) | 5.0372% | 2,368 |
| Cash dividends to net income (ytd only)* | 25.9366% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,638 |
| 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 | 28.4476% | 5,356 |
| Net loans and leases to deposits | 30.9369% | 5,387 |
| Net loans and leases to core deposits | 30.9919% | 5,398 |
| Total domestic deposits to total assets | 91.9535% | 94 |
| Equity capital to assets | 7.5759% | 5,358 |
| Core capital (leverage) ratio | 7.9259% | 5,370 |
| Tier 1 risk-based capital ratio | 22.1720% | 1,016 |
| Total risk-based capital ratio | 23.3281% | 1,012 |
| Memoranda: | ||
| Average total assets | $155,652,330 | 3,373 |
| Average earning assets | $151,773,000 | 3,266 |
| Average equity | $11,705,330 | 4,126 |
| Average total loans | $46,061,330 | 4,489 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6559% | 5,496 |
| Cost of funding earning assets | 0.0579% | 5,544 |
| Net interest margin | 2.5980% | 5,326 |
| Noninterest income to average assets | 2.1750% | 246 |
| Noninterest expense to average assets | 3.4260% | 1,120 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8906% | 3,335 |
| Return on assets (ROA) | 0.8906% | 3,346 |
| Pretax return on assets | 1.2896% | 2,409 |
| Return on Equity (ROE) | 11.8870% | 1,619 |
| Retained earnings to average equity (ytd only) | 5.7030% | 2,853 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6528% | 2,097 |
| Assets per employee ($millions) | 5.2092% | 2,241 |
| Cash dividends to net income (ytd only)* | 52.0231% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3949% | 1,864 |
| 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 | 29.1759% | 5,385 |
| Net loans and leases to deposits | 31.6375% | 5,427 |
| Net loans and leases to core deposits | 31.6936% | 5,439 |
| Total domestic deposits to total assets | 92.2195% | 84 |
| Equity capital to assets | 7.4439% | 5,432 |
| Core capital (leverage) ratio | 7.9852% | 5,393 |
| Tier 1 risk-based capital ratio | 21.3609% | 1,146 |
| Total risk-based capital ratio | 22.5053% | 1,134 |
| Memoranda: | ||
| Average total assets | $155,401,500 | 3,412 |
| Average earning assets | $151,963,500 | 3,301 |
| Average equity | $11,643,000 | 4,174 |
| Average total loans | $46,558,500 | 4,520 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8509% | 5,439 |
| Cost of funding earning assets | 0.0755% | 5,563 |
| Net interest margin | 2.7754% | 5,200 |
| Noninterest income to average assets | 2.2751% | 248 |
| Noninterest expense to average assets | 3.7800% | 708 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5572% | 4,200 |
| Return on assets (ROA) | 0.5577% | 4,234 |
| Pretax return on assets | 0.9459% | 3,753 |
| Return on Equity (ROE) | 7.0131% | 3,275 |
| Retained earnings to average equity (ytd only) | 5.7380% | 1,689 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9971% | 1,102 |
| Assets per employee ($millions) | 5.3285% | 2,121 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3759% | 1,854 |
| 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 | 29.9184% | 5,439 |
| Net loans and leases to deposits | 32.4912% | 5,487 |
| Net loans and leases to core deposits | 32.5493% | 5,501 |
| Total domestic deposits to total assets | 92.0816% | 74 |
| Equity capital to assets | 7.5411% | 5,529 |
| Core capital (leverage) ratio | 7.4119% | 5,569 |
| Tier 1 risk-based capital ratio | 20.2004% | 1,281 |
| Total risk-based capital ratio | 21.2978% | 1,272 |
| Memoranda: | ||
| Average total assets | $143,993,000 | 3,550 |
| Average earning assets | $127,118,800 | 3,625 |
| Average equity | $11,450,000 | 4,229 |
| Average total loans | $46,139,400 | 4,564 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0977% | 5,335 |
| Cost of funding earning assets | 0.0843% | 5,607 |
| Net interest margin | 3.0134% | 4,887 |
| Noninterest income to average assets | 2.2024% | 274 |
| Noninterest expense to average assets | 3.4681% | 1,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6851% | 4,047 |
| Return on assets (ROA) | 0.6857% | 4,116 |
| Pretax return on assets | 1.1620% | 3,056 |
| Return on Equity (ROE) | 8.5033% | 2,878 |
| Retained earnings to average equity (ytd only) | 6.7956% | 1,798 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9185% | 1,757 |
| Assets per employee ($millions) | 4.8975% | 2,576 |
| Cash dividends to net income (ytd only)* | 20.0823% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3677% | 2,033 |
| 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 | 30.6370% | 5,483 |
| Net loans and leases to deposits | 33.3697% | 5,540 |
| Net loans and leases to core deposits | 33.4306% | 5,559 |
| Total domestic deposits to total assets | 91.8109% | 72 |
| Equity capital to assets | 7.7650% | 5,583 |
| Core capital (leverage) ratio | 7.9963% | 5,514 |
| Tier 1 risk-based capital ratio | 20.4927% | 1,281 |
| Total risk-based capital ratio | 21.6126% | 1,271 |
| Memoranda: | ||
| Average total assets | $141,359,500 | 3,630 |
| Average earning assets | $113,845,250 | 3,887 |
| Average equity | $11,399,250 | 4,279 |
| Average total loans | $45,955,000 | 4,613 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0063% | 5,430 |
| Cost of funding earning assets | 0.0864% | 5,641 |
| Net interest margin | 2.9199% | 5,059 |
| Noninterest income to average assets | 2.2673% | 262 |
| Noninterest expense to average assets | 3.4917% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.6939% | 3,871 |
| Return on assets (ROA) | 0.6948% | 3,935 |
| Pretax return on assets | 1.1779% | 2,862 |
| Return on Equity (ROE) | 8.5009% | 2,776 |
| Retained earnings to average equity (ytd only) | 5.9098% | 2,170 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7980% | 1,880 |
| Assets per employee ($millions) | 4.4450% | 3,203 |
| Cash dividends to net income (ytd only)* | 30.4802% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 2,125 |
| 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 | 33.9862% | 5,447 |
| Net loans and leases to deposits | 37.2775% | 5,518 |
| Net loans and leases to core deposits | 37.6053% | 5,548 |
| Total domestic deposits to total assets | 91.1709% | 181 |
| Equity capital to assets | 8.3821% | 5,362 |
| Core capital (leverage) ratio | 8.3231% | 5,333 |
| Tier 1 risk-based capital ratio | 20.1802% | 1,331 |
| Total risk-based capital ratio | 21.3067% | 1,325 |
| Memoranda: | ||
| Average total assets | $137,871,670 | 3,696 |
| Average earning assets | $113,360,670 | 3,918 |
| Average equity | $11,269,330 | 4,312 |
| Average total loans | $45,553,670 | 4,644 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9437% | 5,512 |
| Cost of funding earning assets | 0.0671% | 5,752 |
| Net interest margin | 2.8766% | 5,126 |
| Noninterest income to average assets | 2.2565% | 266 |
| Noninterest expense to average assets | 3.5095% | 1,024 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6526% | 3,925 |
| Return on assets (ROA) | 0.6526% | 3,961 |
| Pretax return on assets | 1.1080% | 2,948 |
| Return on Equity (ROE) | 8.0870% | 2,883 |
| Retained earnings to average equity (ytd only) | 2.8394% | 3,991 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0050% | 1,904 |
| Assets per employee ($millions) | 4.6628% | 2,901 |
| Cash dividends to net income (ytd only)* | 64.8889% | 1,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 2,107 |
| 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 | 35.0026% | 5,440 |
| Net loans and leases to deposits | 38.4542% | 5,512 |
| Net loans and leases to core deposits | 38.8118% | 5,548 |
| Total domestic deposits to total assets | 91.0240% | 296 |
| Equity capital to assets | 8.5869% | 5,173 |
| Core capital (leverage) ratio | 8.2783% | 5,392 |
| Tier 1 risk-based capital ratio | 20.0974% | 1,371 |
| Total risk-based capital ratio | 21.2444% | 1,362 |
| Memoranda: | ||
| Average total assets | $137,910,500 | 3,727 |
| Average earning assets | $113,190,500 | 3,961 |
| Average equity | $11,129,000 | 4,362 |
| Average total loans | $44,592,500 | 4,713 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7873% | 5,651 |
| Cost of funding earning assets | 0.0953% | 5,723 |
| Net interest margin | 2.6920% | 5,428 |
| Noninterest income to average assets | 2.3331% | 276 |
| Noninterest expense to average assets | 3.6786% | 907 |
| Loan and lease loss provision to assets | 0.0781% | 2,801 |
| Net operating income to assets | 0.5144% | 4,574 |
| Return on assets (ROA) | 0.5149% | 4,655 |
| Pretax return on assets | 0.8728% | 3,931 |
| Return on Equity (ROE) | 6.0099% | 3,977 |
| Retained earnings to average equity (ytd only) | 4.9794% | 2,358 |
| Net charge-offs to loans | -0.3375% | 5,802 |
| Credit loss provision to net charge-offs | -67.5676% | 4,840 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4733% | 1,483 |
| Assets per employee ($millions) | 5.0090% | 2,379 |
| Cash dividends to net income (ytd only)* | 17.1472% | 3,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5056% | 1,642 |
| 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 | 29.0482% | 5,658 |
| Net loans and leases to deposits | 31.6302% | 5,716 |
| Net loans and leases to core deposits | 31.8918% | 5,733 |
| Total domestic deposits to total assets | 91.8368% | 123 |
| Equity capital to assets | 7.6049% | 5,692 |
| Core capital (leverage) ratio | 7.8213% | 5,677 |
| Tier 1 risk-based capital ratio | 19.9786% | 1,376 |
| Total risk-based capital ratio | 21.1268% | 1,366 |
| Memoranda: | ||
| Average total assets | $127,984,400 | 3,863 |
| Average earning assets | $109,137,000 | 4,019 |
| Average equity | $10,965,200 | 4,427 |
| Average total loans | $43,847,000 | 4,759 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7987% | 5,714 |
| Cost of funding earning assets | 0.1027% | 5,758 |
| Net interest margin | 2.6960% | 5,497 |
| Noninterest income to average assets | 2.3321% | 286 |
| Noninterest expense to average assets | 3.7132% | 833 |
| Loan and lease loss provision to assets | 0.0809% | 2,587 |
| Net operating income to assets | 0.5233% | 4,602 |
| Return on assets (ROA) | 0.5240% | 4,702 |
| Pretax return on assets | 0.8884% | 4,019 |
| Return on Equity (ROE) | 5.9205% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.5439% | 3,105 |
| Net charge-offs to loans | -0.0212% | 5,022 |
| Credit loss provision to net charge-offs | -1,071.4286% | 5,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3183% | 1,521 |
| Assets per employee ($millions) | 4.9124% | 2,476 |
| Cash dividends to net income (ytd only)* | 23.2507% | 3,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 3,918 |
| 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 | 32.9398% | 5,658 |
| Net loans and leases to deposits | 36.8543% | 5,710 |
| Net loans and leases to core deposits | 37.7654% | 5,727 |
| Total domestic deposits to total assets | 89.3784% | 733 |
| Equity capital to assets | 8.4623% | 5,549 |
| Core capital (leverage) ratio | 8.2626% | 5,527 |
| Tier 1 risk-based capital ratio | 21.2773% | 1,223 |
| Total risk-based capital ratio | 22.1995% | 1,262 |
| Memoranda: | ||
| Average total assets | $123,665,000 | 3,956 |
| Average earning assets | $107,762,000 | 4,070 |
| Average equity | $10,944,750 | 4,476 |
| Average total loans | $44,098,500 | 4,784 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7167% | 5,834 |
| Cost of funding earning assets | 0.1057% | 5,830 |
| Net interest margin | 2.6110% | 5,659 |
| Noninterest income to average assets | 2.3319% | 281 |
| Noninterest expense to average assets | 3.8318% | 738 |
| Loan and lease loss provision to assets | 0.0829% | 2,478 |
| Net operating income to assets | 0.4680% | 4,809 |
| Return on assets (ROA) | 0.4690% | 4,897 |
| Pretax return on assets | 0.7939% | 4,306 |
| Return on Equity (ROE) | 5.2158% | 4,420 |
| Retained earnings to average equity (ytd only) | 3.1332% | 3,909 |
| Net charge-offs to loans | -0.0363% | 5,221 |
| Credit loss provision to net charge-offs | -625.0000% | 4,994 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4085% | 1,338 |
| Assets per employee ($millions) | 4.3525% | 3,293 |
| Cash dividends to net income (ytd only)* | 39.9293% | 2,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9903% | 4,578 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 37.3264% | 5,543 |
| Net loans and leases to deposits | 42.1375% | 5,617 |
| Net loans and leases to core deposits | 43.5966% | 5,638 |
| Total domestic deposits to total assets | 88.5822% | 1,125 |
| Equity capital to assets | 9.0768% | 5,185 |
| Core capital (leverage) ratio | 9.3404% | 4,407 |
| Tier 1 risk-based capital ratio | 19.4887% | 1,571 |
| Total risk-based capital ratio | 20.3062% | 1,650 |
| Memoranda: | ||
| Average total assets | $120,674,670 | 4,029 |
| Average earning assets | $109,766,000 | 4,061 |
| Average equity | $10,851,670 | 4,516 |
| Average total loans | $44,075,000 | 4,830 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6947% | 5,910 |
| Cost of funding earning assets | 0.1160% | 5,842 |
| Net interest margin | 2.5787% | 5,741 |
| Noninterest income to average assets | 2.3385% | 275 |
| Noninterest expense to average assets | 3.8309% | 741 |
| Loan and lease loss provision to assets | 0.0833% | 2,289 |
| Net operating income to assets | 0.4243% | 4,924 |
| Return on assets (ROA) | 0.4264% | 4,992 |
| Pretax return on assets | 0.7229% | 4,441 |
| Return on Equity (ROE) | 4.7643% | 4,597 |
| Retained earnings to average equity (ytd only) | 0.5583% | 4,978 |
| Net charge-offs to loans | -0.0371% | 5,169 |
| Credit loss provision to net charge-offs | -625.0000% | 4,623 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6743% | 1,297 |
| Assets per employee ($millions) | 3.8467% | 4,215 |
| Cash dividends to net income (ytd only)* | 88.2813% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 4,794 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 37.9957% | 5,558 |
| Net loans and leases to deposits | 42.2854% | 5,644 |
| Net loans and leases to core deposits | 43.0573% | 5,686 |
| Total domestic deposits to total assets | 89.8553% | 652 |
| Equity capital to assets | 9.3795% | 4,797 |
| Core capital (leverage) ratio | 9.2382% | 4,559 |
| Tier 1 risk-based capital ratio | 20.5962% | 1,385 |
| Total risk-based capital ratio | 21.4150% | 1,444 |
| Memoranda: | ||
| Average total assets | $120,076,500 | 4,069 |
| Average earning assets | $106,877,500 | 4,147 |
| Average equity | $10,746,500 | 4,550 |
| Average total loans | $43,140,000 | 4,893 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6064% | 5,961 |
| Cost of funding earning assets | 0.0775% | 6,045 |
| Net interest margin | 2.5289% | 5,811 |
| Noninterest income to average assets | 2.0886% | 341 |
| Noninterest expense to average assets | 3.4429% | 1,402 |
| Loan and lease loss provision to assets | 0.0790% | 2,704 |
| Net operating income to assets | 0.3706% | 5,141 |
| Return on assets (ROA) | 0.3711% | 5,225 |
| Pretax return on assets | 0.6286% | 4,753 |
| Return on Equity (ROE) | 4.4641% | 4,756 |
| Retained earnings to average equity (ytd only) | 3.3908% | 3,637 |
| Net charge-offs to loans | 0.3799% | 759 |
| Credit loss provision to net charge-offs | 67.5676% | 3,166 |
| Earnings coverage of net charge-offs (x) | 6.0473% | 3,288 |
| Efficiency ratio | 82.9686% | 1,277 |
| Assets per employee ($millions) | 4.1584% | 3,645 |
| Cash dividends to net income (ytd only)* | 24.0426% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 4,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 33.3539% | 5,794 |
| Net loans and leases to deposits | 36.7343% | 5,871 |
| Net loans and leases to core deposits | 37.4359% | 5,893 |
| Total domestic deposits to total assets | 90.7978% | 335 |
| Equity capital to assets | 8.5521% | 5,517 |
| Core capital (leverage) ratio | 8.2335% | 5,661 |
| Tier 1 risk-based capital ratio | 21.6313% | 1,198 |
| Total risk-based capital ratio | 22.4338% | 1,245 |
| Memoranda: | ||
| Average total assets | $126,638,000 | 3,950 |
| Average earning assets | $103,207,200 | 4,206 |
| Average equity | $10,528,400 | 4,561 |
| Average total loans | $38,958,800 | 5,051 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5302% | 6,077 |
| Cost of funding earning assets | 0.0748% | 6,139 |
| Net interest margin | 2.4554% | 5,941 |
| Noninterest income to average assets | 2.0863% | 339 |
| Noninterest expense to average assets | 3.3828% | 1,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3004% | 5,449 |
| Return on assets (ROA) | 0.3010% | 5,529 |
| Pretax return on assets | 0.7007% | 4,679 |
| Return on Equity (ROE) | 3.6467% | 5,160 |
| Retained earnings to average equity (ytd only) | 2.2108% | 4,775 |
| Net charge-offs to loans | 0.5271% | 448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.4172% | 3,355 |
| Efficiency ratio | 82.8623% | 1,282 |
| Assets per employee ($millions) | 5.3007% | 1,953 |
| Cash dividends to net income (ytd only)* | 39.3718% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7115% | 5,706 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 28.6683% | 6,013 |
| Net loans and leases to deposits | 31.2464% | 6,061 |
| Net loans and leases to core deposits | 31.7594% | 6,072 |
| Total domestic deposits to total assets | 91.7489% | 118 |
| Equity capital to assets | 7.4287% | 6,080 |
| Core capital (leverage) ratio | 7.8513% | 5,966 |
| Tier 1 risk-based capital ratio | 20.6800% | 1,406 |
| Total risk-based capital ratio | 21.2575% | 1,510 |
| Memoranda: | ||
| Average total assets | $127,109,250 | 3,992 |
| Average earning assets | $103,335,250 | 4,256 |
| Average equity | $10,493,250 | 4,620 |
| Average total loans | $38,196,750 | 5,135 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5185% | 6,156 |
| Cost of funding earning assets | 0.0760% | 6,206 |
| Net interest margin | 2.4425% | 6,010 |
| Noninterest income to average assets | 2.1828% | 325 |
| Noninterest expense to average assets | 3.4967% | 1,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3071% | 5,419 |
| Return on assets (ROA) | 0.3071% | 5,520 |
| Pretax return on assets | 0.6915% | 4,678 |
| Return on Equity (ROE) | 3.5800% | 5,187 |
| Retained earnings to average equity (ytd only) | 1.4167% | 4,981 |
| Net charge-offs to loans | 0.8344% | 249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 2.7161% | 3,297 |
| Efficiency ratio | 83.4902% | 1,316 |
| Assets per employee ($millions) | 4.5066% | 2,977 |
| Cash dividends to net income (ytd only)* | 60.4278% | 1,518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 5,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 29.3104% | 6,060 |
| Net loans and leases to deposits | 32.1184% | 6,120 |
| Net loans and leases to core deposits | 32.5587% | 6,132 |
| Total domestic deposits to total assets | 91.2572% | 241 |
| Equity capital to assets | 8.0067% | 5,979 |
| Core capital (leverage) ratio | 9.2197% | 4,662 |
| Tier 1 risk-based capital ratio | 21.4978% | 1,284 |
| Total risk-based capital ratio | 22.0956% | 1,369 |
| Memoranda: | ||
| Average total assets | $121,772,330 | 4,124 |
| Average earning assets | $99,981,330 | 4,369 |
| Average equity | $10,447,000 | 4,660 |
| Average total loans | $37,154,330 | 5,213 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5168% | 6,218 |
| Cost of funding earning assets | 0.0817% | 6,261 |
| Net interest margin | 2.4351% | 6,078 |
| Noninterest income to average assets | 2.2640% | 309 |
| Noninterest expense to average assets | 3.5290% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3989% | 5,069 |
| Return on assets (ROA) | 0.3989% | 5,183 |
| Pretax return on assets | 0.7672% | 4,363 |
| Return on Equity (ROE) | 4.4834% | 4,765 |
| Retained earnings to average equity (ytd only) | 0.1533% | 5,322 |
| Net charge-offs to loans | 1.8005% | 100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.3720% | 2,927 |
| Efficiency ratio | 82.1429% | 1,597 |
| Assets per employee ($millions) | 4.3151% | 3,345 |
| Cash dividends to net income (ytd only)* | 96.5812% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7622% | 5,779 |
| Loan loss allowance to noncurrent loans | 906.4516% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,834 |
| Noncurrent loans to loans | 0.0841% | 5,446 |
| Net loans and leases to total assets | 30.2804% | 6,062 |
| Net loans and leases to deposits | 34.1026% | 6,120 |
| Net loans and leases to core deposits | 35.3454% | 6,116 |
| Total domestic deposits to total assets | 88.7920% | 1,397 |
| Equity capital to assets | 8.6812% | 5,589 |
| Core capital (leverage) ratio | 10.0688% | 3,512 |
| Tier 1 risk-based capital ratio | 22.1705% | 1,210 |
| Total risk-based capital ratio | 22.7709% | 1,293 |
| Memoranda: | ||
| Average total assets | $117,313,000 | 4,231 |
| Average earning assets | $97,901,000 | 4,464 |
| Average equity | $10,438,500 | 4,700 |
| Average total loans | $36,433,500 | 5,278 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6413% | 6,287 |
| Cost of funding earning assets | 0.1046% | 6,311 |
| Net interest margin | 2.5367% | 6,123 |
| Noninterest income to average assets | 2.5495% | 234 |
| Noninterest expense to average assets | 4.2458% | 582 |
| Loan and lease loss provision to assets | -0.0601% | 6,065 |
| Net operating income to assets | 0.3965% | 5,237 |
| Return on assets (ROA) | 0.3965% | 5,301 |
| Pretax return on assets | 0.6719% | 4,719 |
| Return on Equity (ROE) | 3.8783% | 5,169 |
| Retained earnings to average equity (ytd only) | 2.9871% | 4,113 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4047% | 1,046 |
| Assets per employee ($millions) | 4.0644% | 3,795 |
| Cash dividends to net income (ytd only)* | 22.9798% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2361% | 3,785 |
| Loan loss allowance to noncurrent loans | 223.6181% | 2,055 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 5,326 |
| Noncurrent loans to loans | 0.5528% | 4,005 |
| Net loans and leases to total assets | 31.2429% | 6,139 |
| Net loans and leases to deposits | 35.3552% | 6,187 |
| Net loans and leases to core deposits | 37.0515% | 6,180 |
| Total domestic deposits to total assets | 88.3684% | 1,586 |
| Equity capital to assets | 9.1281% | 5,154 |
| Core capital (leverage) ratio | 9.7336% | 3,924 |
| Tier 1 risk-based capital ratio | 21.2865% | 1,343 |
| Total risk-based capital ratio | 22.1999% | 1,383 |
| Memoranda: | ||
| Average total assets | $99,864,000 | 4,603 |
| Average earning assets | $90,864,600 | 4,635 |
| Average equity | $10,210,600 | 4,706 |
| Average total loans | $33,827,400 | 5,405 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6678% | 6,352 |
| Cost of funding earning assets | 0.1113% | 6,373 |
| Net interest margin | 2.5564% | 6,177 |
| Noninterest income to average assets | 2.6589% | 222 |
| Noninterest expense to average assets | 4.3909% | 510 |
| Loan and lease loss provision to assets | -0.0830% | 6,247 |
| Net operating income to assets | 0.4136% | 5,199 |
| Return on assets (ROA) | 0.4136% | 5,272 |
| Pretax return on assets | 0.7014% | 4,696 |
| Return on Equity (ROE) | 3.9214% | 5,197 |
| Retained earnings to average equity (ytd only) | 2.7279% | 4,650 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6553% | 1,034 |
| Assets per employee ($millions) | 3.6526% | 4,570 |
| Cash dividends to net income (ytd only)* | 30.4345% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 4,147 |
| Loan loss allowance to noncurrent loans | 260.2339% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 5,539 |
| Noncurrent loans to loans | 0.4669% | 4,510 |
| Net loans and leases to total assets | 34.1591% | 6,105 |
| Net loans and leases to deposits | 39.0517% | 6,152 |
| Net loans and leases to core deposits | 40.9741% | 6,151 |
| Total domestic deposits to total assets | 87.4713% | 2,048 |
| Equity capital to assets | 9.7239% | 4,530 |
| Core capital (leverage) ratio | 10.3924% | 3,168 |
| Tier 1 risk-based capital ratio | 21.8462% | 1,288 |
| Total risk-based capital ratio | 22.7916% | 1,313 |
| Memoranda: | ||
| Average total assets | $96,379,500 | 4,736 |
| Average earning assets | $88,610,500 | 4,735 |
| Average equity | $10,166,250 | 4,752 |
| Average total loans | $33,284,250 | 5,479 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7002% | 6,393 |
| Cost of funding earning assets | 0.1147% | 6,433 |
| Net interest margin | 2.5855% | 6,188 |
| Noninterest income to average assets | 2.7705% | 207 |
| Noninterest expense to average assets | 4.4035% | 496 |
| Loan and lease loss provision to assets | 0.0322% | 3,641 |
| Net operating income to assets | 0.4163% | 5,152 |
| Return on assets (ROA) | 0.4163% | 5,233 |
| Pretax return on assets | 0.7060% | 4,620 |
| Return on Equity (ROE) | 3.8334% | 5,214 |
| Retained earnings to average equity (ytd only) | 2.0352% | 4,873 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6427% | 1,299 |
| Assets per employee ($millions) | 3.4990% | 4,849 |
| Cash dividends to net income (ytd only)* | 46.9072% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 2,803 |
| Loan loss allowance to noncurrent loans | 295.4545% | 1,538 |
| Noncurrent assets plus other real estate owned to assets | 0.1863% | 5,574 |
| Noncurrent loans to loans | 0.5145% | 4,460 |
| Net loans and leases to total assets | 35.6624% | 6,066 |
| Net loans and leases to deposits | 40.1141% | 6,148 |
| Net loans and leases to core deposits | 42.9371% | 6,116 |
| Total domestic deposits to total assets | 88.9025% | 1,416 |
| Equity capital to assets | 10.8297% | 3,054 |
| Core capital (leverage) ratio | 11.1945% | 2,250 |
| Tier 1 risk-based capital ratio | 23.4052% | 1,059 |
| Total risk-based capital ratio | 24.6010% | 1,049 |
| Memoranda: | ||
| Average total assets | $93,197,670 | 4,843 |
| Average earning assets | $85,476,000 | 4,839 |
| Average equity | $10,121,670 | 4,774 |
| Average total loans | $32,169,670 | 5,570 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6651% | 6,489 |
| Cost of funding earning assets | 0.1134% | 6,516 |
| Net interest margin | 2.5517% | 6,284 |
| Noninterest income to average assets | 2.8219% | 202 |
| Noninterest expense to average assets | 4.3863% | 507 |
| Loan and lease loss provision to assets | 0.0303% | 3,427 |
| Net operating income to assets | 0.4365% | 4,989 |
| Return on assets (ROA) | 0.4365% | 5,047 |
| Pretax return on assets | 0.7390% | 4,353 |
| Return on Equity (ROE) | 4.0131% | 5,028 |
| Retained earnings to average equity (ytd only) | 0.3973% | 5,416 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0796% | 1,536 |
| Assets per employee ($millions) | 3.4273% | 5,085 |
| Cash dividends to net income (ytd only)* | 90.0990% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5995% | 2,707 |
| Loan loss allowance to noncurrent loans | 284.4444% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.1945% | 5,637 |
| Noncurrent loans to loans | 0.5623% | 4,475 |
| Net loans and leases to total assets | 34.0386% | 6,180 |
| Net loans and leases to deposits | 38.3117% | 6,234 |
| Net loans and leases to core deposits | 40.7868% | 6,208 |
| Total domestic deposits to total assets | 88.8465% | 1,752 |
| Equity capital to assets | 10.9168% | 2,799 |
| Core capital (leverage) ratio | 11.4206% | 2,027 |
| Tier 1 risk-based capital ratio | 24.5730% | 929 |
| Total risk-based capital ratio | 25.8230% | 909 |
| Memoranda: | ||
| Average total assets | $92,560,500 | 4,903 |
| Average earning assets | $84,649,000 | 4,899 |
| Average equity | $10,067,000 | 4,800 |
| Average total loans | $31,149,000 | 5,668 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8963% | 6,428 |
| Cost of funding earning assets | 0.1705% | 6,437 |
| Net interest margin | 2.7258% | 6,105 |
| Noninterest income to average assets | 3.1244% | 218 |
| Noninterest expense to average assets | 4.8618% | 386 |
| Loan and lease loss provision to assets | 0.1440% | 2,503 |
| Net operating income to assets | 0.2556% | 5,675 |
| Return on assets (ROA) | 0.2556% | 5,745 |
| Pretax return on assets | 0.3816% | 5,533 |
| Return on Equity (ROE) | 2.1159% | 5,799 |
| Retained earnings to average equity (ytd only) | 1.2119% | 5,286 |
| Net charge-offs to loans | -0.0072% | 5,980 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,380 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2450% | 1,006 |
| Assets per employee ($millions) | 3.3066% | 5,279 |
| Cash dividends to net income (ytd only)* | 42.7230% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6673% | 2,508 |
| Loan loss allowance to noncurrent loans | 119.6682% | 3,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 4,874 |
| Noncurrent loans to loans | 1.3933% | 2,806 |
| Net loans and leases to total assets | 32.1683% | 6,372 |
| Net loans and leases to deposits | 36.0984% | 6,423 |
| Net loans and leases to core deposits | 37.3834% | 6,435 |
| Total domestic deposits to total assets | 89.1127% | 1,544 |
| Equity capital to assets | 10.8354% | 2,782 |
| Core capital (leverage) ratio | 10.8940% | 2,481 |
| Tier 1 risk-based capital ratio | 25.3721% | 824 |
| Total risk-based capital ratio | 26.6212% | 810 |
| Memoranda: | ||
| Average total assets | $83,343,400 | 5,153 |
| Average earning assets | $69,190,600 | 5,325 |
| Average equity | $10,066,800 | 4,829 |
| Average total loans | $27,705,800 | 5,861 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9938% | 6,429 |
| Cost of funding earning assets | 0.1829% | 6,486 |
| Net interest margin | 2.8109% | 5,998 |
| Noninterest income to average assets | 3.2710% | 215 |
| Noninterest expense to average assets | 5.1073% | 315 |
| Loan and lease loss provision to assets | 0.1596% | 2,266 |
| Net operating income to assets | 0.1925% | 5,930 |
| Return on assets (ROA) | 0.1925% | 6,007 |
| Pretax return on assets | 0.2550% | 5,965 |
| Return on Equity (ROE) | 1.5483% | 6,058 |
| Retained earnings to average equity (ytd only) | 0.3441% | 5,829 |
| Net charge-offs to loans | -0.0099% | 5,889 |
| Credit loss provision to net charge-offs | -4,850.0000% | 6,353 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4911% | 825 |
| Assets per employee ($millions) | 3.2360% | 5,415 |
| Cash dividends to net income (ytd only)* | 77.7756% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7818% | 2,361 |
| Loan loss allowance to noncurrent loans | 232.8502% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 5,762 |
| Noncurrent loans to loans | 0.7652% | 4,315 |
| Net loans and leases to total assets | 29.3241% | 6,556 |
| Net loans and leases to deposits | 33.0987% | 6,589 |
| Net loans and leases to core deposits | 34.3082% | 6,602 |
| Total domestic deposits to total assets | 88.5959% | 1,785 |
| Equity capital to assets | 11.0829% | 2,687 |
| Core capital (leverage) ratio | 13.1517% | 1,145 |
| Tier 1 risk-based capital ratio | 28.1638% | 620 |
| Total risk-based capital ratio | 29.4141% | 607 |
| Memoranda: | ||
| Average total assets | $81,033,000 | 5,259 |
| Average earning assets | $64,888,250 | 5,494 |
| Average equity | $10,075,500 | 4,879 |
| Average total loans | $27,060,250 | 5,945 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1113% | 6,329 |
| Cost of funding earning assets | 0.1973% | 6,489 |
| Net interest margin | 2.9140% | 5,771 |
| Noninterest income to average assets | 3.4737% | 210 |
| Noninterest expense to average assets | 5.4213% | 270 |
| Loan and lease loss provision to assets | 0.1927% | 1,971 |
| Net operating income to assets | 0.1644% | 5,989 |
| Return on assets (ROA) | 0.1644% | 6,107 |
| Pretax return on assets | 0.1747% | 6,116 |
| Return on Equity (ROE) | 1.2690% | 6,151 |
| Retained earnings to average equity (ytd only) | -0.5354% | 5,967 |
| Net charge-offs to loans | -0.0074% | 5,708 |
| Credit loss provision to net charge-offs | -7,500.0000% | 6,256 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6529% | 778 |
| Assets per employee ($millions) | 2.7346% | 6,243 |
| Cash dividends to net income (ytd only)* | 142.1875% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7009% | 2,778 |
| Loan loss allowance to noncurrent loans | 241.5789% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 5,770 |
| Noncurrent loans to loans | 0.7041% | 4,528 |
| Net loans and leases to total assets | 33.4498% | 6,441 |
| Net loans and leases to deposits | 38.3699% | 6,472 |
| Net loans and leases to core deposits | 39.0298% | 6,508 |
| Total domestic deposits to total assets | 87.1772% | 2,719 |
| Equity capital to assets | 12.5694% | 1,535 |
| Core capital (leverage) ratio | 14.5812% | 681 |
| Tier 1 risk-based capital ratio | 28.9025% | 576 |
| Total risk-based capital ratio | 30.1546% | 566 |
| Memoranda: | ||
| Average total assets | $77,841,330 | 5,373 |
| Average earning assets | $61,839,330 | 5,636 |
| Average equity | $10,086,670 | 4,921 |
| Average total loans | $27,063,000 | 5,977 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3412% | 6,064 |
| Cost of funding earning assets | 0.2204% | 6,473 |
| Net interest margin | 3.1207% | 5,189 |
| Noninterest income to average assets | 3.4392% | 213 |
| Noninterest expense to average assets | 5.5401% | 262 |
| Loan and lease loss provision to assets | 0.1971% | 1,880 |
| Net operating income to assets | 0.1556% | 6,022 |
| Return on assets (ROA) | 0.1556% | 6,118 |
| Pretax return on assets | 0.0519% | 6,334 |
| Return on Equity (ROE) | 1.1827% | 6,175 |
| Retained earnings to average equity (ytd only) | -2.4049% | 6,125 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6989% | 746 |
| Assets per employee ($millions) | 2.6012% | 6,492 |
| Cash dividends to net income (ytd only)* | 303.3333% | 84 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5477% | 3,632 |
| Loan loss allowance to noncurrent loans | 217.5258% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2486% | 5,830 |
| Noncurrent loans to loans | 0.7115% | 4,703 |
| Net loans and leases to total assets | 34.4003% | 6,397 |
| Net loans and leases to deposits | 39.6131% | 6,437 |
| Net loans and leases to core deposits | 40.6835% | 6,457 |
| Total domestic deposits to total assets | 86.8409% | 3,052 |
| Equity capital to assets | 12.9439% | 1,458 |
| Core capital (leverage) ratio | 14.8526% | 613 |
| Tier 1 risk-based capital ratio | 30.0815% | 527 |
| Total risk-based capital ratio | 31.3313% | 520 |
| Memoranda: | ||
| Average total assets | $77,110,000 | 5,434 |
| Average earning assets | $58,063,500 | 5,797 |
| Average equity | $10,146,000 | 4,957 |
| Average total loans | $27,101,500 | 6,022 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3890% | 6,498 |
| Cost of funding earning assets | 0.3005% | 6,448 |
| Net interest margin | 3.0885% | 5,844 |
| Noninterest income to average assets | 3.4273% | 214 |
| Noninterest expense to average assets | 5.3334% | 302 |
| Loan and lease loss provision to assets | 0.1314% | 3,977 |
| Net operating income to assets | 0.2798% | 5,541 |
| Return on assets (ROA) | 0.2798% | 5,753 |
| Pretax return on assets | 0.4742% | 5,356 |
| Return on Equity (ROE) | 2.1022% | 5,870 |
| Retained earnings to average equity (ytd only) | 2.1022% | 4,746 |
| Net charge-offs to loans | 0.5638% | 2,043 |
| Credit loss provision to net charge-offs | 70.9220% | 4,130 |
| Earnings coverage of net charge-offs (x) | 3.2695% | 3,795 |
| Efficiency ratio | 89.8031% | 1,084 |
| Assets per employee ($millions) | 2.6270% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 4,058 |
| Loan loss allowance to noncurrent loans | 193.4343% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.2599% | 5,897 |
| Noncurrent loans to loans | 0.7351% | 4,709 |
| Net loans and leases to total assets | 34.8542% | 6,499 |
| Net loans and leases to deposits | 40.3106% | 6,534 |
| Net loans and leases to core deposits | 41.3579% | 6,569 |
| Total domestic deposits to total assets | 86.4642% | 3,118 |
| Equity capital to assets | 13.3770% | 1,278 |
| Core capital (leverage) ratio | 13.9785% | 809 |
| Tier 1 risk-based capital ratio | 30.5091% | 495 |
| Total risk-based capital ratio | 31.6832% | 489 |
| Memoranda: | ||
| Average total assets | $76,124,200 | 5,454 |
| Average earning assets | $61,906,400 | 5,675 |
| Average equity | $10,132,400 | 4,955 |
| Average total loans | $25,008,000 | 6,194 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3636% | 6,664 |
| Cost of funding earning assets | 0.3164% | 6,531 |
| Net interest margin | 3.0472% | 6,071 |
| Noninterest income to average assets | 3.4949% | 206 |
| Noninterest expense to average assets | 5.4622% | 273 |
| Loan and lease loss provision to assets | 0.1314% | 3,906 |
| Net operating income to assets | 0.2505% | 5,781 |
| Return on assets (ROA) | 0.2505% | 5,970 |
| Pretax return on assets | 0.4152% | 5,682 |
| Return on Equity (ROE) | 1.8844% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.8844% | 5,395 |
| Net charge-offs to loans | 0.7937% | 1,391 |
| Credit loss provision to net charge-offs | 51.3699% | 4,373 |
| Earnings coverage of net charge-offs (x) | 2.1370% | 4,196 |
| Efficiency ratio | 90.9038% | 971 |
| Assets per employee ($millions) | 2.5115% | 6,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2886% | 4,864 |
| Loan loss allowance to noncurrent loans | 174.7525% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.8056% | 4,691 |
| Noncurrent loans to loans | 0.7374% | 4,948 |
| Net loans and leases to total assets | 35.8909% | 6,557 |
| Net loans and leases to deposits | 41.7083% | 6,612 |
| Net loans and leases to core deposits | 42.5383% | 6,652 |
| Total domestic deposits to total assets | 86.0522% | 3,227 |
| Equity capital to assets | 13.5191% | 1,341 |
| Core capital (leverage) ratio | 14.5968% | 686 |
| Tier 1 risk-based capital ratio | 29.1833% | 570 |
| Total risk-based capital ratio | 30.2245% | 579 |
| Memoranda: | ||
| Average total assets | $76,109,500 | 5,513 |
| Average earning assets | $62,788,500 | 5,705 |
| Average equity | $10,117,750 | 5,001 |
| Average total loans | $24,526,000 | 6,306 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4081% | 6,719 |
| Cost of funding earning assets | 0.3494% | 6,512 |
| Net interest margin | 3.0587% | 6,107 |
| Noninterest income to average assets | 3.5147% | 205 |
| Noninterest expense to average assets | 5.4895% | 274 |
| Loan and lease loss provision to assets | 0.1310% | 3,889 |
| Net operating income to assets | 0.2540% | 5,756 |
| Return on assets (ROA) | 0.2540% | 5,945 |
| Pretax return on assets | 0.4164% | 5,665 |
| Return on Equity (ROE) | 1.9217% | 6,065 |
| Retained earnings to average equity (ytd only) | 1.9217% | 5,238 |
| Net charge-offs to loans | 1.2389% | 870 |
| Credit loss provision to net charge-offs | 34.2466% | 4,371 |
| Earnings coverage of net charge-offs (x) | 1.4315% | 4,284 |
| Efficiency ratio | 90.9328% | 1,003 |
| Assets per employee ($millions) | 2.5681% | 6,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 4,667 |
| Loan loss allowance to noncurrent loans | 157.6923% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 0.8841% | 4,604 |
| Noncurrent loans to loans | 0.8565% | 4,798 |
| Net loans and leases to total assets | 34.5496% | 6,695 |
| Net loans and leases to deposits | 40.6089% | 6,713 |
| Net loans and leases to core deposits | 41.3198% | 6,761 |
| Total domestic deposits to total assets | 85.0789% | 3,821 |
| Equity capital to assets | 14.6197% | 882 |
| Core capital (leverage) ratio | 14.4807% | 698 |
| Tier 1 risk-based capital ratio | 31.8333% | 446 |
| Total risk-based capital ratio | 32.8937% | 449 |
| Memoranda: | ||
| Average total assets | $76,364,330 | 5,537 |
| Average earning assets | $62,968,000 | 5,739 |
| Average equity | $10,095,000 | 5,013 |
| Average total loans | $23,569,670 | 6,385 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4207% | 6,784 |
| Cost of funding earning assets | 0.3904% | 6,455 |
| Net interest margin | 3.0303% | 6,229 |
| Noninterest income to average assets | 3.4303% | 198 |
| Noninterest expense to average assets | 5.2681% | 307 |
| Loan and lease loss provision to assets | 0.1252% | 3,783 |
| Net operating income to assets | 0.2854% | 5,703 |
| Return on assets (ROA) | 0.2854% | 5,871 |
| Pretax return on assets | 0.4857% | 5,476 |
| Return on Equity (ROE) | 2.2633% | 5,983 |
| Retained earnings to average equity (ytd only) | 2.2633% | 5,124 |
| Net charge-offs to loans | 0.0345% | 4,210 |
| Credit loss provision to net charge-offs | 1,250.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 544 |
| Efficiency ratio | 89.6082% | 1,130 |
| Assets per employee ($millions) | 2.6203% | 6,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9281% | 2,593 |
| Loan loss allowance to noncurrent loans | 117.3228% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 1.0713% | 4,349 |
| Noncurrent loans to loans | 1.6434% | 3,636 |
| Net loans and leases to total assets | 30.9886% | 6,870 |
| Net loans and leases to deposits | 36.0380% | 6,890 |
| Net loans and leases to core deposits | 36.7986% | 6,916 |
| Total domestic deposits to total assets | 85.9886% | 3,530 |
| Equity capital to assets | 13.7674% | 1,106 |
| Core capital (leverage) ratio | 13.2986% | 1,027 |
| Tier 1 risk-based capital ratio | 32.2823% | 422 |
| Total risk-based capital ratio | 33.5363% | 416 |
| Memoranda: | ||
| Average total assets | $79,877,500 | 5,480 |
| Average earning assets | $64,547,500 | 5,740 |
| Average equity | $10,074,000 | 5,026 |
| Average total loans | $23,212,500 | 6,453 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0807% | 7,156 |
| Cost of funding earning assets | 0.4844% | 6,598 |
| Net interest margin | 2.5963% | 7,002 |
| Noninterest income to average assets | 3.1056% | 204 |
| Noninterest expense to average assets | 5.1513% | 348 |
| Loan and lease loss provision to assets | 0.5645% | 1,848 |
| Net operating income to assets | -0.0966% | 6,161 |
| Return on assets (ROA) | -0.0918% | 6,233 |
| Pretax return on assets | -0.2779% | 6,337 |
| Return on Equity (ROE) | -0.7136% | 6,219 |
| Retained earnings to average equity (ytd only) | -2.5023% | 6,213 |
| Net charge-offs to loans | 1.8454% | 788 |
| Credit loss provision to net charge-offs | 111.1386% | 2,997 |
| Earnings coverage of net charge-offs (x) | 0.5495% | 5,417 |
| Efficiency ratio | 94.8599% | 872 |
| Assets per employee ($millions) | 3.1995% | 5,705 |
| Cash dividends to net income (ytd only)* | -250.6849% | 7,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8243% | 2,792 |
| Loan loss allowance to noncurrent loans | 148.7719% | 2,145 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 3,482 |
| Noncurrent loans to loans | 1.2262% | 4,319 |
| Net loans and leases to total assets | 26.4140% | 7,110 |
| Net loans and leases to deposits | 29.9712% | 7,133 |
| Net loans and leases to core deposits | 30.8147% | 7,136 |
| Total domestic deposits to total assets | 88.1312% | 2,071 |
| Equity capital to assets | 11.6304% | 2,405 |
| Core capital (leverage) ratio | 11.2933% | 2,046 |
| Tier 1 risk-based capital ratio | 30.1904% | 510 |
| Total risk-based capital ratio | 31.4414% | 501 |
| Memoranda: | ||
| Average total assets | $79,533,000 | 5,466 |
| Average earning assets | $71,218,000 | 5,500 |
| Average equity | $10,230,400 | 4,963 |
| Average total loans | $21,892,600 | 6,563 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0641% | 7,245 |
| Cost of funding earning assets | 0.4934% | 6,722 |
| Net interest margin | 2.5707% | 7,094 |
| Noninterest income to average assets | 3.2022% | 197 |
| Noninterest expense to average assets | 5.2804% | 291 |
| Loan and lease loss provision to assets | 0.6254% | 1,565 |
| Net operating income to assets | -0.0905% | 6,272 |
| Return on assets (ROA) | -0.0840% | 6,354 |
| Pretax return on assets | -0.3101% | 6,499 |
| Return on Equity (ROE) | -0.6357% | 6,336 |
| Retained earnings to average equity (ytd only) | -3.0101% | 6,421 |
| Net charge-offs to loans | 1.2062% | 1,298 |
| Credit loss provision to net charge-offs | 187.1795% | 1,569 |
| Earnings coverage of net charge-offs (x) | 0.9128% | 4,939 |
| Efficiency ratio | 94.5399% | 889 |
| Assets per employee ($millions) | 2.6114% | 6,770 |
| Cash dividends to net income (ytd only)* | -373.4731% | 7,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6107% | 1,250 |
| Loan loss allowance to noncurrent loans | 57.7287% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 2.2237% | 2,862 |
| Noncurrent loans to loans | 4.5223% | 1,427 |
| Net loans and leases to total assets | 27.0431% | 7,173 |
| Net loans and leases to deposits | 31.4501% | 7,183 |
| Net loans and leases to core deposits | 33.0142% | 7,183 |
| Total domestic deposits to total assets | 85.9872% | 3,220 |
| Equity capital to assets | 13.5361% | 1,354 |
| Core capital (leverage) ratio | 13.0911% | 1,192 |
| Tier 1 risk-based capital ratio | 32.6942% | 428 |
| Total risk-based capital ratio | 33.9505% | 421 |
| Memoranda: | ||
| Average total assets | $77,819,750 | 5,555 |
| Average earning assets | $72,145,250 | 5,510 |
| Average equity | $10,276,250 | 4,974 |
| Average total loans | $21,555,250 | 6,643 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 7,310 |
| Cost of funding earning assets | 0.5101% | 6,814 |
| Net interest margin | 2.6024% | 7,115 |
| Noninterest income to average assets | 3.3038% | 198 |
| Noninterest expense to average assets | 5.1888% | 314 |
| Loan and lease loss provision to assets | 0.7463% | 1,251 |
| Net operating income to assets | 0.0208% | 6,188 |
| Return on assets (ROA) | 0.0306% | 6,247 |
| Pretax return on assets | -0.1987% | 6,450 |
| Return on Equity (ROE) | 0.2334% | 6,256 |
| Retained earnings to average equity (ytd only) | -3.3253% | 6,408 |
| Net charge-offs to loans | 1.7947% | 781 |
| Credit loss provision to net charge-offs | 150.2564% | 2,035 |
| Earnings coverage of net charge-offs (x) | 1.0718% | 4,488 |
| Efficiency ratio | 90.6946% | 1,195 |
| Assets per employee ($millions) | 2.6419% | 6,730 |
| Cash dividends to net income (ytd only)* | 1,525.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2776% | 1,785 |
| Loan loss allowance to noncurrent loans | 56.4497% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 2.0596% | 3,161 |
| Noncurrent loans to loans | 4.0348% | 1,718 |
| Net loans and leases to total assets | 26.7128% | 7,269 |
| Net loans and leases to deposits | 30.9837% | 7,293 |
| Net loans and leases to core deposits | 32.6510% | 7,288 |
| Total domestic deposits to total assets | 86.2155% | 3,210 |
| Equity capital to assets | 13.4647% | 1,315 |
| Core capital (leverage) ratio | 14.3306% | 801 |
| Tier 1 risk-based capital ratio | 32.6208% | 430 |
| Total risk-based capital ratio | 33.8732% | 422 |
| Memoranda: | ||
| Average total assets | $78,516,000 | 5,585 |
| Average earning assets | $72,932,000 | 5,527 |
| Average equity | $10,284,670 | 4,975 |
| Average total loans | $21,730,670 | 6,702 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1198% | 7,366 |
| Cost of funding earning assets | 0.5128% | 6,928 |
| Net interest margin | 2.6070% | 7,116 |
| Noninterest income to average assets | 3.2769% | 195 |
| Noninterest expense to average assets | 5.0537% | 352 |
| Loan and lease loss provision to assets | 0.5436% | 1,594 |
| Net operating income to assets | 0.3977% | 4,959 |
| Return on assets (ROA) | 0.3977% | 5,051 |
| Pretax return on assets | 0.1107% | 6,146 |
| Return on Equity (ROE) | 3.0772% | 5,327 |
| Retained earnings to average equity (ytd only) | -4.0510% | 6,419 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5362% | 1,458 |
| Assets per employee ($millions) | 2.5391% | 6,932 |
| Cash dividends to net income (ytd only)* | 231.6456% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2102% | 1,940 |
| Loan loss allowance to noncurrent loans | 51.9744% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.2680% | 2,983 |
| Noncurrent loans to loans | 4.2525% | 1,675 |
| Net loans and leases to total assets | 29.2627% | 7,253 |
| Net loans and leases to deposits | 34.0896% | 7,271 |
| Net loans and leases to core deposits | 36.1630% | 7,259 |
| Total domestic deposits to total assets | 85.8406% | 3,618 |
| Equity capital to assets | 13.8511% | 1,047 |
| Core capital (leverage) ratio | 13.4856% | 972 |
| Tier 1 risk-based capital ratio | 29.7901% | 531 |
| Total risk-based capital ratio | 31.0419% | 520 |
| Memoranda: | ||
| Average total assets | $79,466,500 | 5,603 |
| Average earning assets | $74,107,500 | 5,534 |
| Average equity | $10,269,000 | 4,972 |
| Average total loans | $22,124,500 | 6,733 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2539% | 7,455 |
| Cost of funding earning assets | 0.5686% | 7,185 |
| Net interest margin | 2.6853% | 7,135 |
| Noninterest income to average assets | 3.1175% | 224 |
| Noninterest expense to average assets | 4.8376% | 481 |
| Loan and lease loss provision to assets | 0.2549% | 4,749 |
| Net operating income to assets | 0.3066% | 4,913 |
| Return on assets (ROA) | 0.3066% | 5,083 |
| Pretax return on assets | 0.5196% | 4,552 |
| Return on Equity (ROE) | 2.3933% | 5,223 |
| Retained earnings to average equity (ytd only) | 0.1922% | 5,474 |
| Net charge-offs to loans | 1.0899% | 2,043 |
| Credit loss provision to net charge-offs | 84.4898% | 5,367 |
| Earnings coverage of net charge-offs (x) | 2.5673% | 3,827 |
| Efficiency ratio | 86.2001% | 1,676 |
| Assets per employee ($millions) | 2.9414% | 6,229 |
| Cash dividends to net income (ytd only)* | 91.9679% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7061% | 3,197 |
| Loan loss allowance to noncurrent loans | 45.1190% | 5,315 |
| Noncurrent assets plus other real estate owned to assets | 1.8441% | 3,570 |
| Noncurrent loans to loans | 3.7812% | 1,957 |
| Net loans and leases to total assets | 25.5991% | 7,442 |
| Net loans and leases to deposits | 29.2367% | 7,470 |
| Net loans and leases to core deposits | 31.1640% | 7,461 |
| Total domestic deposits to total assets | 87.5580% | 2,512 |
| Equity capital to assets | 12.1208% | 1,843 |
| Core capital (leverage) ratio | 12.8200% | 1,189 |
| Tier 1 risk-based capital ratio | 27.9382% | 612 |
| Total risk-based capital ratio | 28.9843% | 617 |
| Memoranda: | ||
| Average total assets | $81,218,000 | 5,564 |
| Average earning assets | $75,447,600 | 5,495 |
| Average equity | $10,404,200 | 5,008 |
| Average total loans | $22,478,400 | 6,797 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3106% | 7,581 |
| Cost of funding earning assets | 0.5747% | 7,334 |
| Net interest margin | 2.7359% | 7,194 |
| Noninterest income to average assets | 3.1555% | 215 |
| Noninterest expense to average assets | 4.9792% | 390 |
| Loan and lease loss provision to assets | 0.1330% | 5,697 |
| Net operating income to assets | 0.3491% | 4,978 |
| Return on assets (ROA) | 0.3491% | 5,147 |
| Pretax return on assets | 0.5919% | 4,626 |
| Return on Equity (ROE) | 2.6869% | 5,357 |
| Retained earnings to average equity (ytd only) | -0.2431% | 5,837 |
| Net charge-offs to loans | 1.4076% | 1,447 |
| Credit loss provision to net charge-offs | 33.6134% | 6,111 |
| Earnings coverage of net charge-offs (x) | 1.8319% | 4,336 |
| Efficiency ratio | 87.2923% | 1,505 |
| Assets per employee ($millions) | 2.8771% | 6,430 |
| Cash dividends to net income (ytd only)* | 109.0503% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 5,602 |
| Loan loss allowance to noncurrent loans | 74.4253% | 3,603 |
| Noncurrent assets plus other real estate owned to assets | 1.2524% | 4,645 |
| Noncurrent loans to loans | 1.5825% | 4,269 |
| Net loans and leases to total assets | 25.1784% | 7,548 |
| Net loans and leases to deposits | 28.9509% | 7,581 |
| Net loans and leases to core deposits | 30.4127% | 7,573 |
| Total domestic deposits to total assets | 86.9694% | 2,550 |
| Equity capital to assets | 12.2393% | 2,015 |
| Core capital (leverage) ratio | 13.0011% | 1,232 |
| Tier 1 risk-based capital ratio | 27.9641% | 632 |
| Total risk-based capital ratio | 28.6824% | 658 |
| Memoranda: | ||
| Average total assets | $80,197,500 | 5,656 |
| Average earning assets | $74,708,000 | 5,583 |
| Average equity | $10,420,500 | 5,081 |
| Average total loans | $22,544,250 | 6,878 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4572% | 7,621 |
| Cost of funding earning assets | 0.5794% | 7,440 |
| Net interest margin | 2.8778% | 7,034 |
| Noninterest income to average assets | 3.3675% | 199 |
| Noninterest expense to average assets | 5.2124% | 321 |
| Loan and lease loss provision to assets | 0.0512% | 6,460 |
| Net operating income to assets | 0.4708% | 4,459 |
| Return on assets (ROA) | 0.4708% | 4,615 |
| Pretax return on assets | 0.7984% | 3,888 |
| Return on Equity (ROE) | 3.5478% | 4,995 |
| Retained earnings to average equity (ytd only) | -0.8677% | 5,942 |
| Net charge-offs to loans | 1.0735% | 1,753 |
| Credit loss provision to net charge-offs | 16.3934% | 5,884 |
| Earnings coverage of net charge-offs (x) | 2.7213% | 3,636 |
| Efficiency ratio | 85.9856% | 1,708 |
| Assets per employee ($millions) | 2.6761% | 6,814 |
| Cash dividends to net income (ytd only)* | 124.4565% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4375% | 4,251 |
| Loan loss allowance to noncurrent loans | 67.8879% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 4,223 |
| Noncurrent loans to loans | 2.1175% | 3,571 |
| Net loans and leases to total assets | 26.9020% | 7,601 |
| Net loans and leases to deposits | 31.2101% | 7,621 |
| Net loans and leases to core deposits | 32.9253% | 7,619 |
| Total domestic deposits to total assets | 86.1965% | 2,977 |
| Equity capital to assets | 13.0574% | 1,549 |
| Core capital (leverage) ratio | 13.5144% | 1,051 |
| Tier 1 risk-based capital ratio | 29.1136% | 563 |
| Total risk-based capital ratio | 30.0255% | 568 |
| Memoranda: | ||
| Average total assets | $78,159,330 | 5,753 |
| Average earning assets | $73,179,670 | 5,669 |
| Average equity | $10,372,670 | 5,093 |
| Average total loans | $22,728,670 | 6,924 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4583% | 7,717 |
| Cost of funding earning assets | 0.5682% | 7,581 |
| Net interest margin | 2.8901% | 7,033 |
| Noninterest income to average assets | 3.2842% | 195 |
| Noninterest expense to average assets | 5.4062% | 286 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3684% | 4,984 |
| Return on assets (ROA) | 0.3684% | 5,107 |
| Pretax return on assets | 0.6226% | 4,515 |
| Return on Equity (ROE) | 2.7526% | 5,455 |
| Retained earnings to average equity (ytd only) | -6.1255% | 6,673 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6730% | 1,455 |
| Assets per employee ($millions) | 2.6120% | 7,017 |
| Cash dividends to net income (ytd only)* | 322.5352% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7895% | 2,768 |
| Loan loss allowance to noncurrent loans | 134.5161% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 1.3311% | 4,526 |
| Noncurrent loans to loans | 1.3303% | 4,759 |
| Net loans and leases to total assets | 29.2066% | 7,645 |
| Net loans and leases to deposits | 33.7218% | 7,665 |
| Net loans and leases to core deposits | 35.0668% | 7,668 |
| Total domestic deposits to total assets | 86.6103% | 2,837 |
| Equity capital to assets | 13.0362% | 1,511 |
| Core capital (leverage) ratio | 14.3916% | 880 |
| Tier 1 risk-based capital ratio | 28.1931% | 625 |
| Total risk-based capital ratio | 29.3754% | 615 |
| Memoranda: | ||
| Average total assets | $77,097,000 | 5,849 |
| Average earning assets | $73,214,500 | 5,737 |
| Average equity | $10,317,500 | 5,145 |
| Average total loans | $23,136,500 | 6,982 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8435% | 7,754 |
| Cost of funding earning assets | 0.5495% | 7,803 |
| Net interest margin | 3.2940% | 5,772 |
| Noninterest income to average assets | 3.8979% | 174 |
| Noninterest expense to average assets | 6.0418% | 300 |
| Loan and lease loss provision to assets | 0.2329% | 5,512 |
| Net operating income to assets | 0.5531% | 3,513 |
| Return on assets (ROA) | 0.5531% | 3,599 |
| Pretax return on assets | 0.6768% | 3,660 |
| Return on Equity (ROE) | 3.6517% | 4,230 |
| Retained earnings to average equity (ytd only) | -0.7496% | 5,190 |
| Net charge-offs to loans | 0.7105% | 3,052 |
| Credit loss provision to net charge-offs | 98.7654% | 5,639 |
| Earnings coverage of net charge-offs (x) | 3.8580% | 3,167 |
| Efficiency ratio | 86.9137% | 2,003 |
| Assets per employee ($millions) | 2.5278% | 7,154 |
| Cash dividends to net income (ytd only)* | 120.5263% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8154% | 2,496 |
| Loan loss allowance to noncurrent loans | 203.4146% | 1,465 |
| Noncurrent assets plus other real estate owned to assets | 1.2290% | 4,642 |
| Noncurrent loans to loans | 0.8925% | 5,521 |
| Net loans and leases to total assets | 29.7396% | 7,712 |
| Net loans and leases to deposits | 34.5862% | 7,750 |
| Net loans and leases to core deposits | 38.2254% | 7,787 |
| Total domestic deposits to total assets | 85.9867% | 3,027 |
| Equity capital to assets | 13.7404% | 1,243 |
| Core capital (leverage) ratio | 14.7679% | 830 |
| Tier 1 risk-based capital ratio | 29.3325% | 564 |
| Total risk-based capital ratio | 30.5432% | 551 |
| Memoranda: | ||
| Average total assets | $68,704,400 | 6,048 |
| Average earning assets | $63,691,400 | 6,010 |
| Average equity | $10,406,000 | 5,189 |
| Average total loans | $22,800,200 | 7,038 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9412% | 7,824 |
| Cost of funding earning assets | 0.5289% | 7,924 |
| Net interest margin | 3.4123% | 5,205 |
| Noninterest income to average assets | 4.0663% | 166 |
| Noninterest expense to average assets | 6.2460% | 283 |
| Loan and lease loss provision to assets | 0.1494% | 5,857 |
| Net operating income to assets | 0.6475% | 3,419 |
| Return on assets (ROA) | 0.6475% | 3,479 |
| Pretax return on assets | 0.8328% | 3,431 |
| Return on Equity (ROE) | 4.1655% | 4,317 |
| Retained earnings to average equity (ytd only) | -1.7047% | 5,659 |
| Net charge-offs to loans | 0.9491% | 2,075 |
| Credit loss provision to net charge-offs | 46.2963% | 6,362 |
| Earnings coverage of net charge-offs (x) | 3.0433% | 3,709 |
| Efficiency ratio | 86.4112% | 2,019 |
| Assets per employee ($millions) | 2.3363% | 7,462 |
| Cash dividends to net income (ytd only)* | 140.9236% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4395% | 3,742 |
| Loan loss allowance to noncurrent loans | 85.3470% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.4953% | 4,129 |
| Noncurrent loans to loans | 1.6867% | 4,116 |
| Net loans and leases to total assets | 32.4321% | 7,733 |
| Net loans and leases to deposits | 38.3646% | 7,776 |
| Net loans and leases to core deposits | 41.5201% | 7,834 |
| Total domestic deposits to total assets | 84.5366% | 3,459 |
| Equity capital to assets | 14.8528% | 1,049 |
| Core capital (leverage) ratio | 15.5801% | 746 |
| Tier 1 risk-based capital ratio | 30.3178% | 551 |
| Total risk-based capital ratio | 31.3196% | 550 |
| Memoranda: | ||
| Average total assets | $66,921,750 | 6,157 |
| Average earning assets | $62,009,500 | 6,106 |
| Average equity | $10,402,500 | 5,229 |
| Average total loans | $22,757,750 | 7,108 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0164% | 7,906 |
| Cost of funding earning assets | 0.5132% | 8,038 |
| Net interest margin | 3.5033% | 4,784 |
| Noninterest income to average assets | 4.3482% | 154 |
| Noninterest expense to average assets | 6.3674% | 283 |
| Loan and lease loss provision to assets | 0.1518% | 5,553 |
| Net operating income to assets | 0.7621% | 3,002 |
| Return on assets (ROA) | 0.7621% | 3,111 |
| Pretax return on assets | 1.0628% | 2,763 |
| Return on Equity (ROE) | 4.8269% | 4,155 |
| Retained earnings to average equity (ytd only) | -3.9808% | 6,135 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9808% | 2,474 |
| Assets per employee ($millions) | 2.2002% | 7,672 |
| Cash dividends to net income (ytd only)* | 182.4701% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 1,549 |
| Loan loss allowance to noncurrent loans | 129.2011% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 1.5483% | 3,903 |
| Noncurrent loans to loans | 1.5541% | 4,163 |
| Net loans and leases to total assets | 34.6756% | 7,750 |
| Net loans and leases to deposits | 41.3238% | 7,779 |
| Net loans and leases to core deposits | 43.6328% | 7,875 |
| Total domestic deposits to total assets | 83.9121% | 3,820 |
| Equity capital to assets | 15.5365% | 923 |
| Core capital (leverage) ratio | 16.3377% | 697 |
| Tier 1 risk-based capital ratio | 30.6741% | 561 |
| Total risk-based capital ratio | 31.9258% | 547 |
| Memoranda: | ||
| Average total assets | $65,866,330 | 6,231 |
| Average earning assets | $60,800,670 | 6,193 |
| Average equity | $10,400,000 | 5,245 |
| Average total loans | $22,656,000 | 7,170 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1821% | 7,914 |
| Cost of funding earning assets | 0.4947% | 8,102 |
| Net interest margin | 3.6874% | 3,949 |
| Noninterest income to average assets | 4.6142% | 142 |
| Noninterest expense to average assets | 6.3408% | 258 |
| Loan and lease loss provision to assets | 0.1520% | 4,984 |
| Net operating income to assets | 1.0639% | 2,092 |
| Return on assets (ROA) | 1.0639% | 2,222 |
| Pretax return on assets | 1.5198% | 1,611 |
| Return on Equity (ROE) | 6.6842% | 3,726 |
| Retained earnings to average equity (ytd only) | -10.8093% | 7,186 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1351% | 2,976 |
| Assets per employee ($millions) | 2.2024% | 7,712 |
| Cash dividends to net income (ytd only)* | 261.7143% | 198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0140% | 1,385 |
| Loan loss allowance to noncurrent loans | 154.1667% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 1.4333% | 3,786 |
| Noncurrent loans to loans | 1.3064% | 4,363 |
| Net loans and leases to total assets | 32.6946% | 7,844 |
| Net loans and leases to deposits | 39.0083% | 7,873 |
| Net loans and leases to core deposits | 40.8982% | 7,961 |
| Total domestic deposits to total assets | 83.8146% | 3,794 |
| Equity capital to assets | 15.5558% | 958 |
| Core capital (leverage) ratio | 16.0110% | 782 |
| Tier 1 risk-based capital ratio | 31.3993% | 563 |
| Total risk-based capital ratio | 32.6523% | 548 |
| Memoranda: | ||
| Average total assets | $65,796,500 | 6,259 |
| Average earning assets | $60,639,500 | 6,230 |
| Average equity | $10,472,500 | 5,240 |
| Average total loans | $22,305,500 | 7,232 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 7,879 |
| Cost of funding earning assets | 0.6133% | 8,172 |
| Net interest margin | 4.3197% | 1,920 |
| Noninterest income to average assets | 4.9290% | 128 |
| Noninterest expense to average assets | 6.2775% | 365 |
| Loan and lease loss provision to assets | 0.0897% | 6,260 |
| Net operating income to assets | 1.4068% | 1,211 |
| Return on assets (ROA) | 1.4068% | 1,169 |
| Pretax return on assets | 2.3950% | 250 |
| Return on Equity (ROE) | 9.0573% | 2,626 |
| Retained earnings to average equity (ytd only) | -0.6545% | 5,492 |
| Net charge-offs to loans | 0.0093% | 6,800 |
| Credit loss provision to net charge-offs | 3,000.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 831.0000% | 60 |
| Efficiency ratio | 71.6431% | 4,006 |
| Assets per employee ($millions) | 2.1840% | 7,737 |
| Cash dividends to net income (ytd only)* | 107.2264% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 1,514 |
| Loan loss allowance to noncurrent loans | 154.0441% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 1.4209% | 3,358 |
| Noncurrent loans to loans | 1.2054% | 4,103 |
| Net loans and leases to total assets | 33.7999% | 7,895 |
| Net loans and leases to deposits | 40.6557% | 7,929 |
| Net loans and leases to core deposits | 42.0315% | 8,025 |
| Total domestic deposits to total assets | 83.1367% | 3,709 |
| Equity capital to assets | 16.2803% | 888 |
| Core capital (leverage) ratio | 16.3534% | 774 |
| Tier 1 risk-based capital ratio | 31.9695% | 550 |
| Total risk-based capital ratio | 33.2192% | 538 |
| Memoranda: | ||
| Average total assets | $66,890,200 | 6,127 |
| Average earning assets | $59,355,800 | 6,198 |
| Average equity | $10,389,400 | 5,293 |
| Average total loans | $21,569,200 | 7,221 |