Home > Victor State Bank > Performance and Condition Ratios
Victor State Bank, Performance and Condition Ratios
| 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 | 3.7860% | 3,896 |
| Cost of funding earning assets | 0.7448% | 2,155 |
| Net interest margin | 3.0412% | 4,035 |
| Noninterest income to average assets | 0.5060% | 2,537 |
| Noninterest expense to average assets | 1.7010% | 4,682 |
| Loan and lease loss provision to assets | 0.3230% | 1,323 |
| Net operating income to assets | 0.8046% | 3,032 |
| Return on assets (ROA) | 0.8343% | 3,042 |
| Pretax return on assets | 1.1573% | 2,513 |
| Return on Equity (ROE) | 4.5289% | 3,965 |
| Retained earnings to average equity (ytd only) | 4.5289% | 2,695 |
| Net charge-offs to loans | 0.0156% | 2,428 |
| Credit loss provision to net charge-offs | 6,000.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 351 |
| Efficiency ratio | 32.3630% | 5,003 |
| Assets per employee ($millions) | 14.1937% | 194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7800% | 688 |
| Loan loss allowance to noncurrent loans | 61.3300% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.9535% | 1,270 |
| Noncurrent loans to loans | 2.9023% | 350 |
| Net loans and leases to total assets | 32.2679% | 4,815 |
| Net loans and leases to deposits | 46.4472% | 4,640 |
| Net loans and leases to core deposits | 51.0117% | 4,600 |
| Total domestic deposits to total assets | 69.4723% | 4,803 |
| Equity capital to assets | 17.0405% | 374 |
| Core capital (leverage) ratio | 12.6405% | 1,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $37,155,333 | 4,849 |
| Average earning assets | $32,223,667 | 4,871 |
| Average equity | $6,845,000 | 4,585 |
| Average total loans | $12,814,667 | 4,907 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2829% | 2,977 |
| Cost of funding earning assets | 0.7398% | 2,723 |
| Net interest margin | 3.5432% | 2,835 |
| Noninterest income to average assets | 0.2090% | 4,297 |
| Noninterest expense to average assets | 1.8582% | 4,594 |
| Loan and lease loss provision to assets | 0.3484% | 880 |
| Net operating income to assets | 0.7317% | 3,160 |
| Return on assets (ROA) | 0.7317% | 3,247 |
| Pretax return on assets | 1.1730% | 2,294 |
| Return on Equity (ROE) | 3.7955% | 4,004 |
| Retained earnings to average equity (ytd only) | 3.7955% | 2,759 |
| Net charge-offs to loans | 0.0327% | 1,736 |
| Credit loss provision to net charge-offs | 3,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 131.0000% | 476 |
| Efficiency ratio | 32.9897% | 5,049 |
| Assets per employee ($millions) | 11.0787% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8037% | 703 |
| Loan loss allowance to noncurrent loans | 51.7730% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.2727% | 936 |
| Noncurrent loans to loans | 3.4838% | 272 |
| Net loans and leases to total assets | 35.8738% | 4,782 |
| Net loans and leases to deposits | 46.8303% | 4,697 |
| Net loans and leases to core deposits | 51.8617% | 4,633 |
| Total domestic deposits to total assets | 76.6037% | 4,409 |
| Equity capital to assets | 19.3014% | 275 |
| Core capital (leverage) ratio | 13.8702% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $34,442,500 | 4,921 |
| Average earning assets | $30,820,000 | 4,925 |
| Average equity | $6,639,500 | 4,642 |
| Average total loans | $12,227,500 | 4,960 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2218% | 3,759 |
| Cost of funding earning assets | 0.6514% | 3,407 |
| Net interest margin | 3.5703% | 3,227 |
| Noninterest income to average assets | 0.1821% | 4,580 |
| Noninterest expense to average assets | 2.0644% | 4,415 |
| Loan and lease loss provision to assets | 0.3361% | 467 |
| Net operating income to assets | 0.8515% | 3,385 |
| Return on assets (ROA) | 0.8515% | 3,474 |
| Pretax return on assets | 0.9748% | 3,526 |
| Return on Equity (ROE) | 4.6104% | 4,320 |
| Retained earnings to average equity (ytd only) | 4.6104% | 2,642 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1618% | 3,512 |
| Assets per employee ($millions) | 11.8830% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5431% | 1,111 |
| Loan loss allowance to noncurrent loans | 33.0435% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.6129% | 598 |
| Noncurrent loans to loans | 4.6699% | 117 |
| Net loans and leases to total assets | 34.0066% | 4,898 |
| Net loans and leases to deposits | 42.6986% | 4,855 |
| Net loans and leases to core deposits | 47.1932% | 4,811 |
| Total domestic deposits to total assets | 79.6432% | 4,047 |
| Equity capital to assets | 19.2544% | 286 |
| Core capital (leverage) ratio | 11.5423% | 2,079 |
| Tier 1 risk-based capital ratio | 21.3796% | 1,102 |
| Total risk-based capital ratio | 22.3313% | 1,127 |
| Memoranda: | ||
| Average total assets | $35,700,200 | 4,961 |
| Average earning assets | $31,929,800 | 4,963 |
| Average equity | $6,593,800 | 4,685 |
| Average total loans | $13,033,000 | 5,004 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1896% | 3,940 |
| Cost of funding earning assets | 0.6355% | 3,512 |
| Net interest margin | 3.5540% | 3,393 |
| Noninterest income to average assets | 0.1829% | 4,628 |
| Noninterest expense to average assets | 1.8480% | 4,764 |
| Loan and lease loss provision to assets | 0.3360% | 407 |
| Net operating income to assets | 1.0677% | 2,703 |
| Return on assets (ROA) | 1.0677% | 2,788 |
| Pretax return on assets | 1.1723% | 3,066 |
| Return on Equity (ROE) | 5.8429% | 4,091 |
| Retained earnings to average equity (ytd only) | 5.8429% | 2,439 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0612% | 4,277 |
| Assets per employee ($millions) | 12.4163% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 2,823 |
| Loan loss allowance to noncurrent loans | 52.2876% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 0.8215% | 1,681 |
| Noncurrent loans to loans | 2.1807% | 589 |
| Net loans and leases to total assets | 37.2413% | 4,890 |
| Net loans and leases to deposits | 46.2138% | 4,868 |
| Net loans and leases to core deposits | 50.7593% | 4,821 |
| Total domestic deposits to total assets | 80.5847% | 3,850 |
| Equity capital to assets | 18.4273% | 356 |
| Core capital (leverage) ratio | 12.2056% | 1,729 |
| Tier 1 risk-based capital ratio | 22.0763% | 1,062 |
| Total risk-based capital ratio | 22.9200% | 1,086 |
| Memoranda: | ||
| Average total assets | $35,713,000 | 5,034 |
| Average earning assets | $31,888,000 | 5,039 |
| Average equity | $6,526,250 | 4,755 |
| Average total loans | $13,213,000 | 5,075 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8555% | 4,630 |
| Cost of funding earning assets | 0.6245% | 3,531 |
| Net interest margin | 3.2309% | 4,289 |
| Noninterest income to average assets | 0.1932% | 4,596 |
| Noninterest expense to average assets | 1.9715% | 4,654 |
| Loan and lease loss provision to assets | 0.3409% | 381 |
| Net operating income to assets | 0.6534% | 4,154 |
| Return on assets (ROA) | 0.6534% | 4,205 |
| Pretax return on assets | 0.7613% | 4,192 |
| Return on Equity (ROE) | 3.5861% | 4,670 |
| Retained earnings to average equity (ytd only) | 3.5861% | 3,456 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1405% | 3,108 |
| Assets per employee ($millions) | 6.9934% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,639 |
| Loan loss allowance to noncurrent loans | 58.0357% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 0.6406% | 2,122 |
| Noncurrent loans to loans | 1.7207% | 885 |
| Net loans and leases to total assets | 36.8576% | 4,949 |
| Net loans and leases to deposits | 46.0812% | 4,897 |
| Net loans and leases to core deposits | 50.8744% | 4,846 |
| Total domestic deposits to total assets | 79.9840% | 4,043 |
| Equity capital to assets | 18.9436% | 293 |
| Core capital (leverage) ratio | 11.9348% | 1,867 |
| Tier 1 risk-based capital ratio | 22.6185% | 982 |
| Total risk-based capital ratio | 23.3627% | 1,019 |
| Memoranda: | ||
| Average total assets | $35,201,000 | 5,078 |
| Average earning assets | $31,384,000 | 5,084 |
| Average equity | $6,413,670 | 4,791 |
| Average total loans | $12,940,000 | 5,132 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9731% | 4,426 |
| Cost of funding earning assets | 0.5730% | 3,714 |
| Net interest margin | 3.4000% | 3,881 |
| Noninterest income to average assets | 0.2039% | 4,532 |
| Noninterest expense to average assets | 2.3784% | 3,824 |
| Loan and lease loss provision to assets | 0.3398% | 358 |
| Net operating income to assets | 0.7475% | 3,777 |
| Return on assets (ROA) | 0.7475% | 3,825 |
| Pretax return on assets | 0.5097% | 4,660 |
| Return on Equity (ROE) | 4.1848% | 4,535 |
| Retained earnings to average equity (ytd only) | 4.1848% | 3,248 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6842% | 1,789 |
| Assets per employee ($millions) | 8.9405% | 490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7876% | 4,557 |
| Loan loss allowance to noncurrent loans | 11.0497% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 2.5306% | 307 |
| Noncurrent loans to loans | 7.1277% | 52 |
| Net loans and leases to total assets | 35.2245% | 5,040 |
| Net loans and leases to deposits | 43.3811% | 5,002 |
| Net loans and leases to core deposits | 46.9127% | 4,963 |
| Total domestic deposits to total assets | 81.1979% | 3,930 |
| Equity capital to assets | 17.8877% | 357 |
| Core capital (leverage) ratio | 11.9875% | 1,782 |
| Tier 1 risk-based capital ratio | 22.6080% | 979 |
| Total risk-based capital ratio | 23.1925% | 1,031 |
| Memoranda: | ||
| Average total assets | $35,318,000 | 5,130 |
| Average earning assets | $31,411,500 | 5,134 |
| Average equity | $6,308,500 | 4,844 |
| Average total loans | $12,901,000 | 5,194 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0395% | 5,366 |
| Cost of funding earning assets | 0.4303% | 3,800 |
| Net interest margin | 1.6092% | 5,367 |
| Noninterest income to average assets | 0.0766% | 5,213 |
| Noninterest expense to average assets | 1.0247% | 5,350 |
| Loan and lease loss provision to assets | 0.1576% | 1,313 |
| Net operating income to assets | 0.3198% | 4,981 |
| Return on assets (ROA) | 0.3198% | 4,976 |
| Pretax return on assets | 0.3851% | 4,947 |
| Return on Equity (ROE) | 1.4691% | 5,115 |
| Retained earnings to average equity (ytd only) | 1.4691% | 4,546 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4080% | 5,109 |
| Assets per employee ($millions) | 8.7185% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5341% | 5,087 |
| Loan loss allowance to noncurrent loans | 6.1566% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 3.2603% | 173 |
| Noncurrent loans to loans | 8.6761% | 38 |
| Net loans and leases to total assets | 37.3774% | 5,031 |
| Net loans and leases to deposits | 45.9788% | 4,985 |
| Net loans and leases to core deposits | 49.7994% | 4,948 |
| Total domestic deposits to total assets | 81.2927% | 3,827 |
| Equity capital to assets | 17.8356% | 355 |
| Core capital (leverage) ratio | 11.0055% | 2,523 |
| Tier 1 risk-based capital ratio | 19.4392% | 1,418 |
| Total risk-based capital ratio | 19.8040% | 1,558 |
| Memoranda: | ||
| Average total assets | $44,402,400 | 5,043 |
| Average earning assets | $41,138,000 | 5,031 |
| Average equity | $9,666,000 | 4,355 |
| Average total loans | $20,227,200 | 5,071 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7634% | 5,452 |
| Cost of funding earning assets | 0.3936% | 3,909 |
| Net interest margin | 1.3698% | 5,457 |
| Noninterest income to average assets | 0.0256% | 5,390 |
| Noninterest expense to average assets | 0.3192% | 5,466 |
| Loan and lease loss provision to assets | 0.1140% | 1,778 |
| Net operating income to assets | 0.8379% | 3,783 |
| Return on assets (ROA) | 0.8379% | 3,789 |
| Pretax return on assets | 0.8721% | 4,113 |
| Return on Equity (ROE) | 3.7235% | 4,881 |
| Retained earnings to average equity (ytd only) | 3.7235% | 3,911 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.7424% | 5,453 |
| Assets per employee ($millions) | 9.2498% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3010% | 5,355 |
| Loan loss allowance to noncurrent loans | 114.2857% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 4,503 |
| Noncurrent loans to loans | 0.2634% | 3,742 |
| Net loans and leases to total assets | 35.8037% | 5,150 |
| Net loans and leases to deposits | 43.6029% | 5,121 |
| Net loans and leases to core deposits | 46.9652% | 5,086 |
| Total domestic deposits to total assets | 82.1130% | 3,580 |
| Equity capital to assets | 17.1302% | 411 |
| Core capital (leverage) ratio | 10.8149% | 2,778 |
| Tier 1 risk-based capital ratio | 19.7468% | 1,391 |
| Total risk-based capital ratio | 19.9535% | 1,577 |
| Memoranda: | ||
| Average total assets | $46,784,500 | 5,054 |
| Average earning assets | $43,703,250 | 5,034 |
| Average equity | $10,527,500 | 4,267 |
| Average total loans | $22,007,750 | 5,090 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3987% | 5,536 |
| Cost of funding earning assets | 0.0551% | 5,483 |
| Net interest margin | 0.3436% | 5,535 |
| Noninterest income to average assets | 0.0240% | 5,454 |
| Noninterest expense to average assets | 0.0559% | 5,540 |
| Loan and lease loss provision to assets | 0.0400% | 3,108 |
| Net operating income to assets | 0.2398% | 5,188 |
| Return on assets (ROA) | 0.2398% | 5,183 |
| Pretax return on assets | 0.2518% | 5,204 |
| Return on Equity (ROE) | 1.0064% | 5,272 |
| Retained earnings to average equity (ytd only) | 1.0064% | 4,756 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.4943% | 5,530 |
| Assets per employee ($millions) | 10.0418% | 310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0540% | 5,484 |
| 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 | 46.0751% | 4,822 |
| Net loans and leases to deposits | 55.9987% | 4,756 |
| Net loans and leases to core deposits | 60.1052% | 4,700 |
| Total domestic deposits to total assets | 82.2790% | 3,636 |
| Equity capital to assets | 14.8132% | 726 |
| Core capital (leverage) ratio | 8.8482% | 4,842 |
| Tier 1 risk-based capital ratio | 13.9465% | 3,380 |
| Total risk-based capital ratio | 13.9872% | 3,951 |
| Memoranda: | ||
| Average total assets | $50,046,330 | 5,046 |
| Average earning assets | $47,151,000 | 5,021 |
| Average equity | $11,924,000 | 4,096 |
| Average total loans | $24,914,670 | 5,061 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0406% | 3,463 |
| Cost of funding earning assets | 0.5013% | 2,785 |
| Net interest margin | 3.5393% | 3,393 |
| Noninterest income to average assets | 0.0873% | 5,372 |
| Noninterest expense to average assets | 0.6984% | 5,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.7789% | 94 |
| Return on assets (ROA) | 2.7789% | 94 |
| Pretax return on assets | 2.7789% | 141 |
| Return on Equity (ROE) | 10.2475% | 2,303 |
| Retained earnings to average equity (ytd only) | 10.2475% | 1,086 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.0837% | 5,589 |
| Assets per employee ($millions) | 13.7705% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4572% | 5,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 51.7810% | 4,449 |
| Net loans and leases to deposits | 89.0533% | 1,805 |
| Net loans and leases to core deposits | 95.3498% | 2,027 |
| Total domestic deposits to total assets | 58.1460% | 5,530 |
| Equity capital to assets | 27.4137% | 81 |
| Core capital (leverage) ratio | 27.4440% | 83 |
| Tier 1 risk-based capital ratio | 41.5186% | 207 |
| Total risk-based capital ratio | 41.8790% | 218 |
| Memoranda: | ||
| Average total assets | $54,986,000 | 5,022 |
| Average earning assets | $52,665,500 | 4,980 |
| Average equity | $14,911,000 | 3,719 |
| Average total loans | $28,113,500 | 5,018 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,321 |
| Cost of funding earning assets | 0.5202% | 2,175 |
| Net interest margin | 3.5062% | 3,507 |
| Noninterest income to average assets | 0.2623% | 4,568 |
| Noninterest expense to average assets | 0.9650% | 5,618 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.4714% | 122 |
| Return on assets (ROA) | 2.4714% | 121 |
| Pretax return on assets | 2.6438% | 149 |
| Return on Equity (ROE) | 9.2355% | 2,197 |
| Retained earnings to average equity (ytd only) | 6.4348% | 1,313 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.7394% | 5,634 |
| Assets per employee ($millions) | 13.7225% | 122 |
| Cash dividends to net income (ytd only)* | 30.3260% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4751% | 5,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 49.9964% | 4,648 |
| Net loans and leases to deposits | 81.7242% | 2,747 |
| Net loans and leases to core deposits | 89.6274% | 2,602 |
| Total domestic deposits to total assets | 61.1769% | 5,578 |
| Equity capital to assets | 26.8209% | 82 |
| Core capital (leverage) ratio | 27.1880% | 81 |
| Tier 1 risk-based capital ratio | 41.3860% | 194 |
| Total risk-based capital ratio | 41.7546% | 204 |
| Memoranda: | ||
| Average total assets | $53,370,200 | 5,095 |
| Average earning assets | $50,938,200 | 5,043 |
| Average equity | $14,281,800 | 3,813 |
| Average total loans | $26,281,800 | 5,119 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 3,448 |
| Cost of funding earning assets | 0.4372% | 2,836 |
| Net interest margin | 3.5371% | 3,360 |
| Noninterest income to average assets | 0.0855% | 5,519 |
| Noninterest expense to average assets | 0.8127% | 5,700 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.4683% | 140 |
| Return on assets (ROA) | 2.4683% | 142 |
| Pretax return on assets | 2.6520% | 166 |
| Return on Equity (ROE) | 9.2294% | 2,482 |
| Retained earnings to average equity (ytd only) | 6.4070% | 2,006 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.4568% | 5,708 |
| Assets per employee ($millions) | 13.3523% | 126 |
| Cash dividends to net income (ytd only)* | 30.5810% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4926% | 5,478 |
| 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 | 49.5516% | 4,731 |
| Net loans and leases to deposits | 78.6011% | 3,109 |
| Net loans and leases to core deposits | 86.1771% | 2,947 |
| Total domestic deposits to total assets | 63.0418% | 5,626 |
| Equity capital to assets | 27.1228% | 80 |
| Core capital (leverage) ratio | 26.9023% | 82 |
| Tier 1 risk-based capital ratio | 41.7501% | 199 |
| Total risk-based capital ratio | 42.1280% | 204 |
| Memoranda: | ||
| Average total assets | $52,990,250 | 5,154 |
| Average earning assets | $50,623,250 | 5,108 |
| Average equity | $14,171,750 | 3,861 |
| Average total loans | $25,958,750 | 5,181 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0079% | 3,177 |
| Cost of funding earning assets | 0.4718% | 2,398 |
| Net interest margin | 3.5362% | 3,272 |
| Noninterest income to average assets | 0.0757% | 5,582 |
| Noninterest expense to average assets | 0.8325% | 5,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.4787% | 136 |
| Return on assets (ROA) | 2.4787% | 135 |
| Pretax return on assets | 2.6187% | 175 |
| Return on Equity (ROE) | 9.3126% | 2,353 |
| Retained earnings to average equity (ytd only) | 6.4690% | 1,865 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.1228% | 5,761 |
| Assets per employee ($millions) | 13.4185% | 118 |
| Cash dividends to net income (ytd only)* | 30.5344% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4666% | 5,550 |
| 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 | 52.0606% | 4,565 |
| Net loans and leases to deposits | 84.4965% | 2,404 |
| Net loans and leases to core deposits | 91.0878% | 2,417 |
| Total domestic deposits to total assets | 61.6127% | 5,688 |
| Equity capital to assets | 26.5697% | 82 |
| Core capital (leverage) ratio | 26.7980% | 81 |
| Tier 1 risk-based capital ratio | 40.2310% | 210 |
| Total risk-based capital ratio | 40.6010% | 217 |
| Memoranda: | ||
| Average total assets | $52,850,670 | 5,193 |
| Average earning assets | $50,450,330 | 5,150 |
| Average equity | $14,067,000 | 3,882 |
| Average total loans | $25,746,330 | 5,223 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0392% | 2,905 |
| Cost of funding earning assets | 0.2954% | 4,096 |
| Net interest margin | 3.7439% | 2,334 |
| Noninterest income to average assets | 0.0839% | 5,632 |
| Noninterest expense to average assets | 0.9382% | 5,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.5859% | 123 |
| Return on assets (ROA) | 2.5859% | 128 |
| Pretax return on assets | 2.7232% | 163 |
| Return on Equity (ROE) | 9.7065% | 2,097 |
| Retained earnings to average equity (ytd only) | 9.7065% | 881 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.6250% | 5,817 |
| Assets per employee ($millions) | 12.9550% | 138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5086% | 5,592 |
| 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 | 49.4500% | 4,718 |
| Net loans and leases to deposits | 76.6756% | 3,114 |
| Net loans and leases to core deposits | 83.2981% | 2,967 |
| Total domestic deposits to total assets | 64.4925% | 5,737 |
| Equity capital to assets | 27.2868% | 75 |
| Core capital (leverage) ratio | 27.2692% | 76 |
| Tier 1 risk-based capital ratio | 41.5010% | 206 |
| Total risk-based capital ratio | 41.8857% | 212 |
| Memoranda: | ||
| Average total assets | $52,439,000 | 5,259 |
| Average earning assets | $50,108,500 | 5,211 |
| Average equity | $13,970,000 | 3,927 |
| Average total loans | $24,582,500 | 5,315 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,322 |
| Cost of funding earning assets | 0.6128% | 1,255 |
| Net interest margin | 3.6346% | 2,940 |
| Noninterest income to average assets | 0.2395% | 4,990 |
| Noninterest expense to average assets | 0.9045% | 5,870 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.6254% | 125 |
| Return on assets (ROA) | 2.6254% | 127 |
| Pretax return on assets | 2.7902% | 139 |
| Return on Equity (ROE) | 10.2309% | 1,870 |
| Retained earnings to average equity (ytd only) | 7.2438% | 1,139 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.4813% | 5,888 |
| Assets per employee ($millions) | 13.2645% | 122 |
| Cash dividends to net income (ytd only)* | 29.1971% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5596% | 5,592 |
| 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 | 43.8727% | 5,126 |
| Net loans and leases to deposits | 64.5356% | 4,362 |
| Net loans and leases to core deposits | 68.6343% | 4,352 |
| Total domestic deposits to total assets | 67.9822% | 5,717 |
| Equity capital to assets | 26.0093% | 88 |
| Core capital (leverage) ratio | 27.0249% | 83 |
| Tier 1 risk-based capital ratio | 42.8407% | 191 |
| Total risk-based capital ratio | 43.2477% | 199 |
| Memoranda: | ||
| Average total assets | $52,182,800 | 5,304 |
| Average earning assets | $49,606,800 | 5,254 |
| Average equity | $13,390,800 | 4,045 |
| Average total loans | $23,684,800 | 5,402 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3558% | 1,984 |
| Cost of funding earning assets | 0.6639% | 986 |
| Net interest margin | 3.6919% | 2,748 |
| Noninterest income to average assets | 0.0949% | 5,728 |
| Noninterest expense to average assets | 0.7903% | 5,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.6377% | 135 |
| Return on assets (ROA) | 2.6377% | 135 |
| Pretax return on assets | 2.8147% | 142 |
| Return on Equity (ROE) | 10.3144% | 1,924 |
| Retained earnings to average equity (ytd only) | 8.8094% | 875 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.9217% | 5,959 |
| Assets per employee ($millions) | 12.6235% | 142 |
| Cash dividends to net income (ytd only)* | 14.5918% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5662% | 5,649 |
| 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 | 45.5599% | 5,116 |
| Net loans and leases to deposits | 65.8546% | 4,358 |
| Net loans and leases to core deposits | 69.1235% | 4,389 |
| Total domestic deposits to total assets | 69.1825% | 5,732 |
| Equity capital to assets | 27.1656% | 76 |
| Core capital (leverage) ratio | 26.9609% | 79 |
| Tier 1 risk-based capital ratio | 43.4857% | 190 |
| Total risk-based capital ratio | 43.9016% | 193 |
| Memoranda: | ||
| Average total assets | $51,964,000 | 5,361 |
| Average earning assets | $49,404,500 | 5,309 |
| Average equity | $13,288,500 | 4,084 |
| Average total loans | $23,753,750 | 5,455 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 2,752 |
| Cost of funding earning assets | 0.5617% | 1,599 |
| Net interest margin | 3.5668% | 3,227 |
| Noninterest income to average assets | 0.0915% | 5,809 |
| Noninterest expense to average assets | 0.7855% | 6,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.5012% | 151 |
| Return on assets (ROA) | 2.5012% | 153 |
| Pretax return on assets | 2.6957% | 167 |
| Return on Equity (ROE) | 9.9805% | 2,060 |
| Retained earnings to average equity (ytd only) | 9.2198% | 790 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.5630% | 6,033 |
| Assets per employee ($millions) | 13.3090% | 115 |
| Cash dividends to net income (ytd only)* | 7.6220% | 3,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5155% | 5,786 |
| 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 | 47.4885% | 5,035 |
| Net loans and leases to deposits | 73.4294% | 3,660 |
| Net loans and leases to core deposits | 78.0784% | 3,634 |
| Total domestic deposits to total assets | 64.6724% | 5,922 |
| Equity capital to assets | 25.2743% | 95 |
| Core capital (leverage) ratio | 24.7438% | 97 |
| Tier 1 risk-based capital ratio | 39.4013% | 240 |
| Total risk-based capital ratio | 39.7858% | 250 |
| Memoranda: | ||
| Average total assets | $52,454,000 | 5,410 |
| Average earning assets | $49,848,330 | 5,356 |
| Average equity | $13,145,670 | 4,133 |
| Average total loans | $23,959,670 | 5,504 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7552% | 4,123 |
| Cost of funding earning assets | 0.2839% | 4,345 |
| Net interest margin | 3.4713% | 3,584 |
| Noninterest income to average assets | 0.0999% | 5,821 |
| Noninterest expense to average assets | 0.8298% | 6,087 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.2742% | 209 |
| Return on assets (ROA) | 2.2742% | 220 |
| Pretax return on assets | 2.5584% | 218 |
| Return on Equity (ROE) | 9.1140% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.1140% | 1,078 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.4898% | 6,093 |
| Assets per employee ($millions) | 13.4545% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5107% | 5,856 |
| 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 | 47.4172% | 5,011 |
| Net loans and leases to deposits | 73.2400% | 3,524 |
| Net loans and leases to core deposits | 77.8137% | 3,508 |
| Total domestic deposits to total assets | 64.7423% | 5,987 |
| Equity capital to assets | 24.4138% | 103 |
| Core capital (leverage) ratio | 25.3190% | 90 |
| Tier 1 risk-based capital ratio | 37.8353% | 270 |
| Total risk-based capital ratio | 38.2132% | 285 |
| Memoranda: | ||
| Average total assets | $52,063,000 | 5,470 |
| Average earning assets | $49,318,000 | 5,417 |
| Average equity | $12,991,000 | 4,166 |
| Average total loans | $23,233,500 | 5,576 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 1,714 |
| Cost of funding earning assets | 0.5978% | 1,369 |
| Net interest margin | 3.8634% | 2,150 |
| Noninterest income to average assets | 0.2256% | 5,249 |
| Noninterest expense to average assets | 1.0349% | 6,117 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.7545% | 110 |
| Return on assets (ROA) | 2.7545% | 110 |
| Pretax return on assets | 2.8356% | 130 |
| Return on Equity (ROE) | 11.2912% | 1,511 |
| Retained earnings to average equity (ytd only) | 9.2633% | 595 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.7382% | 6,151 |
| Assets per employee ($millions) | 12.5770% | 132 |
| Cash dividends to net income (ytd only)* | 17.9598% | 3,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6293% | 5,756 |
| 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 | 41.1187% | 5,459 |
| Net loans and leases to deposits | 60.0447% | 4,774 |
| Net loans and leases to core deposits | 62.5824% | 4,839 |
| Total domestic deposits to total assets | 68.4802% | 5,957 |
| Equity capital to assets | 25.5287% | 86 |
| Core capital (leverage) ratio | 25.4603% | 86 |
| Tier 1 risk-based capital ratio | 42.3550% | 200 |
| Total risk-based capital ratio | 42.7878% | 206 |
| Memoranda: | ||
| Average total assets | $50,536,200 | 5,527 |
| Average earning assets | $47,677,800 | 5,489 |
| Average equity | $12,328,200 | 4,239 |
| Average total loans | $21,220,400 | 5,674 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 1,577 |
| Cost of funding earning assets | 0.6396% | 1,151 |
| Net interest margin | 3.8654% | 2,135 |
| Noninterest income to average assets | 0.0922% | 5,985 |
| Noninterest expense to average assets | 0.9777% | 6,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.6538% | 131 |
| Return on assets (ROA) | 2.6538% | 136 |
| Pretax return on assets | 2.7618% | 155 |
| Return on Equity (ROE) | 11.0056% | 1,711 |
| Retained earnings to average equity (ytd only) | 11.0056% | 478 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.1452% | 6,240 |
| Assets per employee ($millions) | 12.1215% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 5,765 |
| 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 | 39.3495% | 5,627 |
| Net loans and leases to deposits | 54.5613% | 5,215 |
| Net loans and leases to core deposits | 58.5731% | 5,154 |
| Total domestic deposits to total assets | 72.1198% | 5,852 |
| Equity capital to assets | 26.1746% | 82 |
| Core capital (leverage) ratio | 25.1099% | 89 |
| Tier 1 risk-based capital ratio | 44.1356% | 192 |
| Total risk-based capital ratio | 44.5914% | 203 |
| Memoranda: | ||
| Average total assets | $50,593,250 | 5,598 |
| Average earning assets | $47,738,250 | 5,558 |
| Average equity | $12,199,500 | 4,318 |
| Average total loans | $21,321,250 | 5,737 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4550% | 1,679 |
| Cost of funding earning assets | 0.5926% | 1,464 |
| Net interest margin | 3.8624% | 2,096 |
| Noninterest income to average assets | 0.0936% | 6,050 |
| Noninterest expense to average assets | 0.9825% | 6,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.5850% | 151 |
| Return on assets (ROA) | 2.5850% | 156 |
| Pretax return on assets | 2.7449% | 175 |
| Return on Equity (ROE) | 11.0173% | 1,672 |
| Retained earnings to average equity (ytd only) | 11.0173% | 505 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.3598% | 6,312 |
| Assets per employee ($millions) | 12.9683% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6060% | 5,968 |
| 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 | 41.4204% | 5,539 |
| Net loans and leases to deposits | 59.7132% | 4,873 |
| Net loans and leases to core deposits | 65.5261% | 4,692 |
| Total domestic deposits to total assets | 69.3656% | 6,063 |
| Equity capital to assets | 23.8178% | 113 |
| Core capital (leverage) ratio | 23.8962% | 104 |
| Tier 1 risk-based capital ratio | 40.3822% | 248 |
| Total risk-based capital ratio | 40.8109% | 266 |
| Memoranda: | ||
| Average total assets | $51,295,670 | 5,650 |
| Average earning assets | $48,260,330 | 5,601 |
| Average equity | $12,035,670 | 4,376 |
| Average total loans | $22,025,000 | 5,775 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3884% | 1,806 |
| Cost of funding earning assets | 0.3862% | 3,451 |
| Net interest margin | 4.0021% | 1,546 |
| Noninterest income to average assets | 0.1019% | 6,072 |
| Noninterest expense to average assets | 1.1528% | 6,337 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.7682% | 100 |
| Return on assets (ROA) | 2.7682% | 110 |
| Pretax return on assets | 2.7682% | 171 |
| Return on Equity (ROE) | 11.8895% | 1,377 |
| Retained earnings to average equity (ytd only) | 11.8895% | 583 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4000% | 6,369 |
| Assets per employee ($millions) | 12.5048% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5960% | 6,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 43.6814% | 5,373 |
| Net loans and leases to deposits | 62.2036% | 4,558 |
| Net loans and leases to core deposits | 67.9934% | 4,323 |
| Total domestic deposits to total assets | 70.2233% | 6,122 |
| Equity capital to assets | 24.0988% | 106 |
| Core capital (leverage) ratio | 24.0774% | 102 |
| Tier 1 risk-based capital ratio | 39.3618% | 269 |
| Total risk-based capital ratio | 39.7897% | 274 |
| Memoranda: | ||
| Average total assets | $51,007,000 | 5,702 |
| Average earning assets | $48,674,000 | 5,644 |
| Average equity | $11,876,000 | 4,431 |
| Average total loans | $22,229,000 | 5,815 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5393% | 1,727 |
| Cost of funding earning assets | 0.7784% | 725 |
| Net interest margin | 3.7609% | 2,767 |
| Noninterest income to average assets | 0.2132% | 5,579 |
| Noninterest expense to average assets | 1.0082% | 6,447 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.6597% | 123 |
| Return on assets (ROA) | 2.6597% | 122 |
| Pretax return on assets | 2.7865% | 139 |
| Return on Equity (ROE) | 12.3749% | 1,302 |
| Retained earnings to average equity (ytd only) | 9.6944% | 570 |
| Net charge-offs to loans | -0.0266% | 5,762 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.5688% | 6,479 |
| Assets per employee ($millions) | 10.3990% | 220 |
| Cash dividends to net income (ytd only)* | 21.6606% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5828% | 6,163 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 42.9791% | 5,540 |
| Net loans and leases to deposits | 62.7108% | 4,665 |
| Net loans and leases to core deposits | 68.3353% | 4,467 |
| Total domestic deposits to total assets | 68.5354% | 6,250 |
| Equity capital to assets | 22.4983% | 140 |
| Core capital (leverage) ratio | 23.6560% | 111 |
| Tier 1 risk-based capital ratio | 37.6515% | 269 |
| Total risk-based capital ratio | 38.0739% | 282 |
| Memoranda: | ||
| Average total assets | $52,073,200 | 5,739 |
| Average earning assets | $49,588,800 | 5,688 |
| Average equity | $11,192,000 | 4,525 |
| Average total loans | $22,524,000 | 5,873 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7259% | 1,248 |
| Cost of funding earning assets | 0.8690% | 492 |
| Net interest margin | 3.8569% | 2,404 |
| Noninterest income to average assets | 0.0870% | 6,290 |
| Noninterest expense to average assets | 0.9368% | 6,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.7054% | 116 |
| Return on assets (ROA) | 2.7054% | 116 |
| Pretax return on assets | 2.8308% | 137 |
| Return on Equity (ROE) | 12.7360% | 1,289 |
| Retained earnings to average equity (ytd only) | 10.9286% | 527 |
| Net charge-offs to loans | -0.0355% | 5,796 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.8641% | 6,562 |
| Assets per employee ($millions) | 9.9708% | 243 |
| Cash dividends to net income (ytd only)* | 14.1914% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6646% | 6,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 39.2747% | 5,860 |
| Net loans and leases to deposits | 56.3713% | 5,218 |
| Net loans and leases to core deposits | 60.5180% | 5,159 |
| Total domestic deposits to total assets | 69.6714% | 6,296 |
| Equity capital to assets | 23.1015% | 130 |
| Core capital (leverage) ratio | 24.1170% | 102 |
| Tier 1 risk-based capital ratio | 40.4154% | 237 |
| Total risk-based capital ratio | 40.8759% | 247 |
| Memoranda: | ||
| Average total assets | $52,092,750 | 5,802 |
| Average earning assets | $49,710,500 | 5,748 |
| Average equity | $11,065,500 | 4,582 |
| Average total loans | $22,535,500 | 5,932 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2764% | 2,678 |
| Cost of funding earning assets | 0.6222% | 1,716 |
| Net interest margin | 3.6542% | 3,126 |
| Noninterest income to average assets | 0.0833% | 6,339 |
| Noninterest expense to average assets | 0.8479% | 6,613 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.6041% | 122 |
| Return on assets (ROA) | 2.6041% | 126 |
| Pretax return on assets | 2.7253% | 151 |
| Return on Equity (ROE) | 12.6065% | 1,280 |
| Retained earnings to average equity (ytd only) | 10.7742% | 571 |
| Net charge-offs to loans | -0.0511% | 5,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.7288% | 6,630 |
| Assets per employee ($millions) | 10.9042% | 185 |
| Cash dividends to net income (ytd only)* | 14.5349% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5309% | 6,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 45.0175% | 5,464 |
| Net loans and leases to deposits | 67.5976% | 4,095 |
| Net loans and leases to core deposits | 74.4051% | 3,796 |
| Total domestic deposits to total assets | 66.5964% | 6,466 |
| Equity capital to assets | 20.5334% | 198 |
| Core capital (leverage) ratio | 20.1199% | 193 |
| Tier 1 risk-based capital ratio | 33.4620% | 397 |
| Total risk-based capital ratio | 33.8541% | 412 |
| Memoranda: | ||
| Average total assets | $52,839,000 | 5,834 |
| Average earning assets | $50,462,670 | 5,772 |
| Average equity | $10,915,000 | 4,629 |
| Average total loans | $23,477,000 | 5,949 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4130% | 2,092 |
| Cost of funding earning assets | 0.5496% | 2,421 |
| Net interest margin | 3.8634% | 2,218 |
| Noninterest income to average assets | 0.0923% | 6,360 |
| Noninterest expense to average assets | 0.9462% | 6,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.8232% | 107 |
| Return on assets (ROA) | 2.8232% | 111 |
| Pretax return on assets | 2.8232% | 160 |
| Return on Equity (ROE) | 13.6241% | 1,011 |
| Retained earnings to average equity (ytd only) | 13.6241% | 423 |
| Net charge-offs to loans | -0.1049% | 6,136 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.1020% | 6,696 |
| Assets per employee ($millions) | 11.1352% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4915% | 6,512 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 47.6363% | 5,173 |
| Net loans and leases to deposits | 72.2375% | 3,309 |
| Net loans and leases to core deposits | 81.1194% | 2,840 |
| Total domestic deposits to total assets | 65.9440% | 6,559 |
| Equity capital to assets | 19.6925% | 226 |
| Core capital (leverage) ratio | 21.4915% | 143 |
| Tier 1 risk-based capital ratio | 30.6436% | 501 |
| Total risk-based capital ratio | 31.0099% | 531 |
| Memoranda: | ||
| Average total assets | $51,998,000 | 5,913 |
| Average earning assets | $49,490,000 | 5,854 |
| Average equity | $10,775,000 | 4,673 |
| Average total loans | $22,878,000 | 6,023 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3704% | 2,687 |
| Cost of funding earning assets | 0.4251% | 4,378 |
| Net interest margin | 3.9453% | 2,118 |
| Noninterest income to average assets | 0.2370% | 5,652 |
| Noninterest expense to average assets | 0.9603% | 6,755 |
| Loan and lease loss provision to assets | 0.0020% | 5,071 |
| Net operating income to assets | 2.8338% | 123 |
| Return on assets (ROA) | 2.8338% | 124 |
| Pretax return on assets | 2.9911% | 123 |
| Return on Equity (ROE) | 13.8440% | 983 |
| Retained earnings to average equity (ytd only) | 11.5982% | 361 |
| Net charge-offs to loans | 0.0049% | 5,377 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1,465.0000% | 27 |
| Efficiency ratio | 24.2894% | 6,783 |
| Assets per employee ($millions) | 9.6640% | 257 |
| Cash dividends to net income (ytd only)* | 16.2221% | 3,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6543% | 6,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 39.2757% | 6,013 |
| Net loans and leases to deposits | 53.3150% | 5,525 |
| Net loans and leases to core deposits | 59.0773% | 5,298 |
| Total domestic deposits to total assets | 73.6672% | 6,306 |
| Equity capital to assets | 21.9081% | 145 |
| Core capital (leverage) ratio | 22.6011% | 124 |
| Tier 1 risk-based capital ratio | 37.3668% | 271 |
| Total risk-based capital ratio | 37.8078% | 281 |
| Memoranda: | ||
| Average total assets | $48,944,800 | 6,039 |
| Average earning assets | $46,105,600 | 5,988 |
| Average equity | $10,018,800 | 4,845 |
| Average total loans | $20,500,400 | 6,174 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 2,814 |
| Cost of funding earning assets | 0.4388% | 4,399 |
| Net interest margin | 3.9057% | 2,253 |
| Noninterest income to average assets | 0.0950% | 6,491 |
| Noninterest expense to average assets | 0.8717% | 6,840 |
| Loan and lease loss provision to assets | 0.0027% | 4,905 |
| Net operating income to assets | 2.7317% | 139 |
| Return on assets (ROA) | 2.7317% | 143 |
| Pretax return on assets | 2.8946% | 152 |
| Return on Equity (ROE) | 13.5800% | 1,104 |
| Retained earnings to average equity (ytd only) | 11.5551% | 497 |
| Net charge-offs to loans | 0.0064% | 5,044 |
| Credit loss provision to net charge-offs | 100.0000% | 2,333 |
| Earnings coverage of net charge-offs (x) | 1,069.6466% | 40 |
| Efficiency ratio | 23.1268% | 6,862 |
| Assets per employee ($millions) | 9.5220% | 267 |
| Cash dividends to net income (ytd only)* | 14.9109% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6455% | 6,506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 40.4138% | 6,001 |
| Net loans and leases to deposits | 54.4161% | 5,497 |
| Net loans and leases to core deposits | 60.4303% | 5,264 |
| Total domestic deposits to total assets | 74.2680% | 6,352 |
| Equity capital to assets | 21.5921% | 156 |
| Core capital (leverage) ratio | 22.5131% | 123 |
| Tier 1 risk-based capital ratio | 36.4055% | 299 |
| Total risk-based capital ratio | 36.8479% | 316 |
| Memoranda: | ||
| Average total assets | $49,101,000 | 6,102 |
| Average earning assets | $46,187,250 | 6,051 |
| Average equity | $9,877,000 | 4,935 |
| Average total loans | $20,849,750 | 6,220 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2845% | 3,024 |
| Cost of funding earning assets | 0.4465% | 4,467 |
| Net interest margin | 3.8380% | 2,416 |
| Noninterest income to average assets | 0.1008% | 6,527 |
| Noninterest expense to average assets | 0.8791% | 6,891 |
| Loan and lease loss provision to assets | 0.0040% | 4,736 |
| Net operating income to assets | 2.6533% | 147 |
| Return on assets (ROA) | 2.6533% | 156 |
| Pretax return on assets | 2.8227% | 176 |
| Return on Equity (ROE) | 13.5076% | 1,122 |
| Retained earnings to average equity (ytd only) | 11.4548% | 575 |
| Net charge-offs to loans | 0.0094% | 4,699 |
| Credit loss provision to net charge-offs | 100.0000% | 2,196 |
| Earnings coverage of net charge-offs (x) | 701.0000% | 58 |
| Efficiency ratio | 23.7214% | 6,908 |
| Assets per employee ($millions) | 10.4160% | 197 |
| Cash dividends to net income (ytd only)* | 15.1976% | 3,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5101% | 6,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 46.8145% | 5,442 |
| Net loans and leases to deposits | 68.7040% | 3,907 |
| Net loans and leases to core deposits | 73.1854% | 3,904 |
| Total domestic deposits to total assets | 68.1394% | 6,715 |
| Equity capital to assets | 19.1571% | 249 |
| Core capital (leverage) ratio | 22.0374% | 125 |
| Tier 1 risk-based capital ratio | 30.2447% | 507 |
| Total risk-based capital ratio | 30.6232% | 546 |
| Memoranda: | ||
| Average total assets | $49,598,000 | 6,133 |
| Average earning assets | $46,587,000 | 6,081 |
| Average equity | $9,742,670 | 4,997 |
| Average total loans | $21,344,330 | 6,240 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3133% | 2,841 |
| Cost of funding earning assets | 0.4665% | 4,412 |
| Net interest margin | 3.8467% | 2,298 |
| Noninterest income to average assets | 0.1075% | 6,543 |
| Noninterest expense to average assets | 0.9347% | 6,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.7876% | 121 |
| Return on assets (ROA) | 2.7876% | 127 |
| Pretax return on assets | 2.7876% | 189 |
| Return on Equity (ROE) | 14.0045% | 962 |
| Retained earnings to average equity (ytd only) | 14.0045% | 448 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.1111% | 6,979 |
| Assets per employee ($millions) | 10.0856% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5533% | 6,752 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 44.5546% | 5,604 |
| Net loans and leases to deposits | 63.3490% | 4,380 |
| Net loans and leases to core deposits | 67.1669% | 4,398 |
| Total domestic deposits to total assets | 70.3320% | 6,747 |
| Equity capital to assets | 19.4118% | 242 |
| Core capital (leverage) ratio | 21.8052% | 141 |
| Tier 1 risk-based capital ratio | 31.3276% | 476 |
| Total risk-based capital ratio | 31.7285% | 501 |
| Memoranda: | ||
| Average total assets | $48,357,000 | 6,226 |
| Average earning assets | $45,441,000 | 6,176 |
| Average equity | $9,625,500 | 5,084 |
| Average total loans | $19,763,500 | 6,370 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6989% | 2,598 |
| Cost of funding earning assets | 0.5731% | 4,606 |
| Net interest margin | 4.1257% | 1,897 |
| Noninterest income to average assets | 0.5306% | 3,705 |
| Noninterest expense to average assets | 1.0785% | 6,998 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 3.2139% | 90 |
| Return on assets (ROA) | 3.2139% | 90 |
| Pretax return on assets | 3.3649% | 112 |
| Return on Equity (ROE) | 16.5633% | 591 |
| Retained earnings to average equity (ytd only) | 11.7610% | 347 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.2718% | 7,040 |
| Assets per employee ($millions) | 9.2572% | 303 |
| Cash dividends to net income (ytd only)* | 28.9933% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7382% | 6,586 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 36.3155% | 6,408 |
| Net loans and leases to deposits | 48.0710% | 6,106 |
| Net loans and leases to core deposits | 52.0451% | 6,013 |
| Total domestic deposits to total assets | 75.5455% | 6,405 |
| Equity capital to assets | 20.4425% | 209 |
| Core capital (leverage) ratio | 20.9523% | 166 |
| Tier 1 risk-based capital ratio | 36.7055% | 296 |
| Total risk-based capital ratio | 37.1920% | 310 |
| Memoranda: | ||
| Average total assets | $46,361,400 | 6,317 |
| Average earning assets | $43,968,000 | 6,235 |
| Average equity | $8,995,800 | 5,231 |
| Average total loans | $20,368,600 | 6,406 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6829% | 2,871 |
| Cost of funding earning assets | 0.6087% | 4,555 |
| Net interest margin | 4.0742% | 2,196 |
| Noninterest income to average assets | 0.4829% | 4,039 |
| Noninterest expense to average assets | 0.8969% | 7,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 3.3174% | 82 |
| Return on assets (ROA) | 3.3174% | 85 |
| Pretax return on assets | 3.4727% | 104 |
| Return on Equity (ROE) | 17.3284% | 571 |
| Retained earnings to average equity (ytd only) | 13.4693% | 352 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.5263% | 7,153 |
| Assets per employee ($millions) | 9.8450% | 254 |
| Cash dividends to net income (ytd only)* | 22.2705% | 2,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5641% | 6,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 44.7638% | 5,898 |
| Net loans and leases to deposits | 62.7188% | 4,886 |
| Net loans and leases to core deposits | 67.3544% | 4,799 |
| Total domestic deposits to total assets | 71.3723% | 6,770 |
| Equity capital to assets | 18.9050% | 305 |
| Core capital (leverage) ratio | 21.1510% | 164 |
| Tier 1 risk-based capital ratio | 31.1573% | 475 |
| Total risk-based capital ratio | 31.5775% | 503 |
| Memoranda: | ||
| Average total assets | $46,380,250 | 6,386 |
| Average earning assets | $44,245,000 | 6,303 |
| Average equity | $8,879,250 | 5,302 |
| Average total loans | $21,227,250 | 6,454 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 3,238 |
| Cost of funding earning assets | 0.6473% | 4,466 |
| Net interest margin | 3.9807% | 2,588 |
| Noninterest income to average assets | 0.6735% | 2,812 |
| Noninterest expense to average assets | 0.9333% | 7,196 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 3.3633% | 81 |
| Return on assets (ROA) | 3.3633% | 83 |
| Pretax return on assets | 3.5306% | 106 |
| Return on Equity (ROE) | 17.4888% | 576 |
| Retained earnings to average equity (ytd only) | 12.8648% | 451 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.9073% | 7,212 |
| Assets per employee ($millions) | 9.7124% | 257 |
| Cash dividends to net income (ytd only)* | 26.4398% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5439% | 6,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 47.0718% | 5,713 |
| Net loans and leases to deposits | 68.1138% | 4,176 |
| Net loans and leases to core deposits | 72.4670% | 4,246 |
| Total domestic deposits to total assets | 69.1075% | 6,948 |
| Equity capital to assets | 18.4651% | 309 |
| Core capital (leverage) ratio | 21.1616% | 157 |
| Tier 1 risk-based capital ratio | 29.5349% | 540 |
| Total risk-based capital ratio | 29.9481% | 580 |
| Memoranda: | ||
| Average total assets | $45,432,000 | 6,452 |
| Average earning assets | $43,259,000 | 6,371 |
| Average equity | $8,737,000 | 5,343 |
| Average total loans | $20,916,330 | 6,512 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8070% | 2,609 |
| Cost of funding earning assets | 0.7114% | 4,185 |
| Net interest margin | 4.0956% | 2,107 |
| Noninterest income to average assets | 1.2857% | 857 |
| Noninterest expense to average assets | 1.0122% | 7,253 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 4.1580% | 59 |
| Return on assets (ROA) | 4.1580% | 64 |
| Pretax return on assets | 4.1580% | 80 |
| Return on Equity (ROE) | 21.1552% | 311 |
| Retained earnings to average equity (ytd only) | 21.1552% | 156 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.5767% | 7,277 |
| Assets per employee ($millions) | 8.8486% | 340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6143% | 6,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 45.7134% | 5,815 |
| Net loans and leases to deposits | 63.5207% | 4,705 |
| Net loans and leases to core deposits | 67.4706% | 4,736 |
| Total domestic deposits to total assets | 71.9662% | 6,882 |
| Equity capital to assets | 20.0032% | 227 |
| Core capital (leverage) ratio | 21.5013% | 146 |
| Tier 1 risk-based capital ratio | 32.7424% | 403 |
| Total risk-based capital ratio | 33.2060% | 428 |
| Memoranda: | ||
| Average total assets | $43,867,000 | 6,539 |
| Average earning assets | $41,606,000 | 6,466 |
| Average equity | $8,622,000 | 5,394 |
| Average total loans | $19,882,500 | 6,618 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3103% | 1,669 |
| Cost of funding earning assets | 0.9360% | 3,830 |
| Net interest margin | 4.3743% | 1,466 |
| Noninterest income to average assets | 0.6270% | 3,025 |
| Noninterest expense to average assets | 1.2096% | 7,266 |
| Loan and lease loss provision to assets | 0.1234% | 5,062 |
| Net operating income to assets | 3.2511% | 71 |
| Return on assets (ROA) | 3.2511% | 72 |
| Pretax return on assets | 3.4239% | 96 |
| Return on Equity (ROE) | 16.5224% | 532 |
| Retained earnings to average equity (ytd only) | 7.6778% | 1,199 |
| Net charge-offs to loans | 0.2920% | 3,948 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 28.7400% | 864 |
| Efficiency ratio | 25.4281% | 7,311 |
| Assets per employee ($millions) | 8.6982% | 364 |
| Cash dividends to net income (ytd only)* | 53.5308% | 1,882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6438% | 6,971 |
| Loan loss allowance to noncurrent loans | 2,083.3333% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0138% | 6,948 |
| Noncurrent loans to loans | 0.0309% | 6,746 |
| Net loans and leases to total assets | 44.3540% | 6,177 |
| Net loans and leases to deposits | 60.6604% | 5,415 |
| Net loans and leases to core deposits | 63.8996% | 5,474 |
| Total domestic deposits to total assets | 73.1186% | 6,799 |
| Equity capital to assets | 19.3005% | 269 |
| Core capital (leverage) ratio | 20.4160% | 185 |
| Tier 1 risk-based capital ratio | 31.7856% | 435 |
| Total risk-based capital ratio | 32.2601% | 461 |
| Memoranda: | ||
| Average total assets | $40,509,400 | 6,657 |
| Average earning assets | $38,246,400 | 6,595 |
| Average equity | $7,971,000 | 5,578 |
| Average total loans | $17,123,800 | 6,798 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3653% | 1,624 |
| Cost of funding earning assets | 0.9969% | 3,693 |
| Net interest margin | 4.3685% | 1,500 |
| Noninterest income to average assets | 0.1442% | 6,531 |
| Noninterest expense to average assets | 1.0059% | 7,372 |
| Loan and lease loss provision to assets | 0.1609% | 4,456 |
| Net operating income to assets | 2.9071% | 99 |
| Return on assets (ROA) | 2.9071% | 101 |
| Pretax return on assets | 3.0915% | 130 |
| Return on Equity (ROE) | 14.6972% | 895 |
| Retained earnings to average equity (ytd only) | 4.4413% | 3,564 |
| Net charge-offs to loans | 0.3867% | 3,183 |
| Credit loss provision to net charge-offs | 100.0000% | 3,366 |
| Earnings coverage of net charge-offs (x) | 20.2078% | 1,230 |
| Efficiency ratio | 23.6220% | 7,390 |
| Assets per employee ($millions) | 8.1758% | 442 |
| Cash dividends to net income (ytd only)* | 69.7812% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8294% | 6,760 |
| Loan loss allowance to noncurrent loans | 6,250.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 7,071 |
| Noncurrent loans to loans | 0.0133% | 6,916 |
| Net loans and leases to total assets | 36.5640% | 6,841 |
| Net loans and leases to deposits | 46.3962% | 6,723 |
| Net loans and leases to core deposits | 48.9921% | 6,713 |
| Total domestic deposits to total assets | 78.8082% | 6,024 |
| Equity capital to assets | 19.6800% | 262 |
| Core capital (leverage) ratio | 19.9681% | 223 |
| Tier 1 risk-based capital ratio | 35.8317% | 322 |
| Total risk-based capital ratio | 36.3900% | 340 |
| Memoranda: | ||
| Average total assets | $39,764,000 | 6,738 |
| Average earning assets | $37,449,250 | 6,684 |
| Average equity | $7,865,250 | 5,640 |
| Average total loans | $16,551,000 | 6,888 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3495% | 1,721 |
| Cost of funding earning assets | 1.0277% | 3,755 |
| Net interest margin | 4.3218% | 1,589 |
| Noninterest income to average assets | 0.1523% | 6,561 |
| Noninterest expense to average assets | 1.2287% | 7,417 |
| Loan and lease loss provision to assets | 0.2437% | 3,468 |
| Net operating income to assets | 2.5335% | 158 |
| Return on assets (ROA) | 2.5335% | 164 |
| Pretax return on assets | 2.7366% | 184 |
| Return on Equity (ROE) | 12.7861% | 1,246 |
| Retained earnings to average equity (ytd only) | -2.7161% | 6,338 |
| Net charge-offs to loans | 0.5632% | 2,419 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 12.2292% | 1,644 |
| Efficiency ratio | 29.1918% | 7,445 |
| Assets per employee ($millions) | 7.9518% | 468 |
| Cash dividends to net income (ytd only)* | 121.2425% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7687% | 6,923 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 7,039 |
| Noncurrent loans to loans | 0.0615% | 6,832 |
| Net loans and leases to total assets | 40.5870% | 6,696 |
| Net loans and leases to deposits | 51.0551% | 6,530 |
| Net loans and leases to core deposits | 54.3297% | 6,539 |
| Total domestic deposits to total assets | 79.4965% | 5,952 |
| Equity capital to assets | 19.2837% | 300 |
| Core capital (leverage) ratio | 19.0280% | 275 |
| Tier 1 risk-based capital ratio | 33.3319% | 408 |
| Total risk-based capital ratio | 33.8762% | 421 |
| Memoranda: | ||
| Average total assets | $39,392,330 | 6,812 |
| Average earning assets | $36,975,330 | 6,765 |
| Average equity | $7,805,330 | 5,670 |
| Average total loans | $17,044,000 | 6,939 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9154% | 3,507 |
| Cost of funding earning assets | 1.0549% | 3,817 |
| Net interest margin | 3.8606% | 3,335 |
| Noninterest income to average assets | 0.1836% | 6,410 |
| Noninterest expense to average assets | 1.2038% | 7,486 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.6014% | 157 |
| Return on assets (ROA) | 2.6014% | 165 |
| Pretax return on assets | 2.6014% | 221 |
| Return on Equity (ROE) | 12.9532% | 1,207 |
| Retained earnings to average equity (ytd only) | 11.4293% | 824 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.6354% | 7,487 |
| Assets per employee ($millions) | 9.8328% | 259 |
| Cash dividends to net income (ytd only)* | 11.7647% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7075% | 7,069 |
| Loan loss allowance to noncurrent loans | 6,250.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 5,775 |
| Noncurrent loans to loans | 0.0113% | 7,045 |
| Net loans and leases to total assets | 44.6035% | 6,418 |
| Net loans and leases to deposits | 57.6390% | 5,962 |
| Net loans and leases to core deposits | 61.6908% | 5,951 |
| Total domestic deposits to total assets | 77.3843% | 6,468 |
| Equity capital to assets | 20.3071% | 240 |
| Core capital (leverage) ratio | 20.3144% | 214 |
| Tier 1 risk-based capital ratio | 33.4058% | 392 |
| Total risk-based capital ratio | 33.9288% | 405 |
| Memoranda: | ||
| Average total assets | $39,209,000 | 6,860 |
| Average earning assets | $36,782,000 | 6,813 |
| Average equity | $7,874,500 | 5,655 |
| Average total loans | $17,435,000 | 6,970 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8986% | 1,049 |
| Cost of funding earning assets | 1.3339% | 3,666 |
| Net interest margin | 4.5647% | 1,093 |
| Noninterest income to average assets | 0.2967% | 5,670 |
| Noninterest expense to average assets | 1.3709% | 7,497 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 3.0642% | 70 |
| Return on assets (ROA) | 3.0642% | 72 |
| Pretax return on assets | 3.1972% | 101 |
| Return on Equity (ROE) | 14.9686% | 720 |
| Retained earnings to average equity (ytd only) | -2.8363% | 6,086 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.0112% | 7,586 |
| Assets per employee ($millions) | 7.8174% | 514 |
| Cash dividends to net income (ytd only)* | 118.9482% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7267% | 7,093 |
| Loan loss allowance to noncurrent loans | 52.9661% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 0.6038% | 5,816 |
| Noncurrent loans to loans | 1.3719% | 4,427 |
| Net loans and leases to total assets | 43.6897% | 6,738 |
| Net loans and leases to deposits | 58.3610% | 6,220 |
| Net loans and leases to core deposits | 62.1886% | 6,222 |
| Total domestic deposits to total assets | 74.8612% | 6,788 |
| Equity capital to assets | 19.8583% | 267 |
| Core capital (leverage) ratio | 19.4901% | 262 |
| Tier 1 risk-based capital ratio | 32.7869% | 413 |
| Total risk-based capital ratio | 33.3150% | 418 |
| Memoranda: | ||
| Average total assets | $39,097,000 | 6,900 |
| Average earning assets | $36,584,800 | 6,857 |
| Average equity | $8,003,400 | 5,711 |
| Average total loans | $16,643,400 | 7,085 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8565% | 1,239 |
| Cost of funding earning assets | 1.3532% | 3,875 |
| Net interest margin | 4.5033% | 1,251 |
| Noninterest income to average assets | 0.1432% | 6,833 |
| Noninterest expense to average assets | 1.1696% | 7,668 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 3.0588% | 75 |
| Return on assets (ROA) | 3.0588% | 78 |
| Pretax return on assets | 3.1952% | 102 |
| Return on Equity (ROE) | 14.8314% | 892 |
| Retained earnings to average equity (ytd only) | -0.4629% | 5,905 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.7969% | 7,699 |
| Assets per employee ($millions) | 8.0280% | 503 |
| Cash dividends to net income (ytd only)* | 103.1213% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7241% | 7,158 |
| Loan loss allowance to noncurrent loans | 52.9661% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 0.5879% | 5,968 |
| Noncurrent loans to loans | 1.3670% | 4,572 |
| Net loans and leases to total assets | 42.6981% | 6,928 |
| Net loans and leases to deposits | 57.1433% | 6,529 |
| Net loans and leases to core deposits | 61.0037% | 6,539 |
| Total domestic deposits to total assets | 74.7210% | 6,824 |
| Equity capital to assets | 19.8879% | 294 |
| Core capital (leverage) ratio | 20.2359% | 241 |
| Tier 1 risk-based capital ratio | 33.3879% | 396 |
| Total risk-based capital ratio | 33.9122% | 405 |
| Memoranda: | ||
| Average total assets | $39,099,500 | 6,981 |
| Average earning assets | $36,653,500 | 6,929 |
| Average equity | $8,063,750 | 5,766 |
| Average total loans | $16,503,750 | 7,189 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7884% | 1,450 |
| Cost of funding earning assets | 1.3514% | 4,187 |
| Net interest margin | 4.4370% | 1,358 |
| Noninterest income to average assets | 0.1497% | 6,816 |
| Noninterest expense to average assets | 1.2283% | 7,728 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.9675% | 86 |
| Return on assets (ROA) | 2.9675% | 87 |
| Pretax return on assets | 3.1069% | 115 |
| Return on Equity (ROE) | 14.2139% | 996 |
| Retained earnings to average equity (ytd only) | -2.4720% | 6,221 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3333% | 7,758 |
| Assets per employee ($millions) | 7.6484% | 581 |
| Cash dividends to net income (ytd only)* | 117.3913% | 308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7321% | 7,183 |
| Loan loss allowance to noncurrent loans | 4,166.6667% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 7,399 |
| Noncurrent loans to loans | 0.0176% | 7,286 |
| Net loans and leases to total assets | 44.3204% | 6,894 |
| Net loans and leases to deposits | 60.2160% | 6,391 |
| Net loans and leases to core deposits | 63.8380% | 6,412 |
| Total domestic deposits to total assets | 73.6023% | 7,028 |
| Equity capital to assets | 20.6448% | 253 |
| Core capital (leverage) ratio | 20.2194% | 237 |
| Tier 1 risk-based capital ratio | 34.0236% | 377 |
| Total risk-based capital ratio | 34.5628% | 387 |
| Memoranda: | ||
| Average total assets | $38,752,670 | 7,038 |
| Average earning assets | $36,556,000 | 6,981 |
| Average equity | $8,090,670 | 5,766 |
| Average total loans | $16,250,330 | 7,254 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7263% | 1,680 |
| Cost of funding earning assets | 1.4179% | 4,061 |
| Net interest margin | 4.3083% | 1,664 |
| Noninterest income to average assets | 0.1743% | 6,721 |
| Noninterest expense to average assets | 1.1382% | 7,848 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.0865% | 89 |
| Return on assets (ROA) | 3.0865% | 94 |
| Pretax return on assets | 3.0865% | 130 |
| Return on Equity (ROE) | 14.7035% | 925 |
| Retained earnings to average equity (ytd only) | 14.7035% | 439 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.9417% | 7,871 |
| Assets per employee ($millions) | 7.8610% | 544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 7,265 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,462 |
| Noncurrent loans to loans | 0.0297% | 7,342 |
| Net loans and leases to total assets | 42.4755% | 7,095 |
| Net loans and leases to deposits | 57.9748% | 6,624 |
| Net loans and leases to core deposits | 63.4887% | 6,493 |
| Total domestic deposits to total assets | 73.2655% | 7,133 |
| Equity capital to assets | 21.2161% | 235 |
| Core capital (leverage) ratio | 21.1358% | 208 |
| Tier 1 risk-based capital ratio | 35.4795% | 345 |
| Total risk-based capital ratio | 36.0146% | 356 |
| Memoranda: | ||
| Average total assets | $39,008,000 | 7,114 |
| Average earning assets | $36,673,000 | 7,072 |
| Average equity | $8,188,500 | 5,777 |
| Average total loans | $15,838,500 | 7,357 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7287% | 2,966 |
| Cost of funding earning assets | 1.8079% | 3,946 |
| Net interest margin | 3.9208% | 3,187 |
| Noninterest income to average assets | 0.2380% | 6,388 |
| Noninterest expense to average assets | 1.1501% | 7,923 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.6572% | 76 |
| Return on assets (ROA) | 2.6572% | 81 |
| Pretax return on assets | 2.7920% | 113 |
| Return on Equity (ROE) | 13.2167% | 912 |
| Retained earnings to average equity (ytd only) | 8.9427% | 505 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.1751% | 7,938 |
| Assets per employee ($millions) | 7.7422% | 568 |
| Cash dividends to net income (ytd only)* | 32.3383% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 7,009 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 7,406 |
| Noncurrent loans to loans | 0.0337% | 7,346 |
| Net loans and leases to total assets | 38.0564% | 7,447 |
| Net loans and leases to deposits | 52.9699% | 7,111 |
| Net loans and leases to core deposits | 66.1340% | 6,973 |
| Total domestic deposits to total assets | 71.8452% | 7,256 |
| Equity capital to assets | 20.7641% | 258 |
| Core capital (leverage) ratio | 21.0628% | 233 |
| Tier 1 risk-based capital ratio | 37.0403% | 301 |
| Total risk-based capital ratio | 37.6200% | 311 |
| Memoranda: | ||
| Average total assets | $37,821,800 | 7,176 |
| Average earning assets | $35,732,200 | 7,111 |
| Average equity | $7,604,000 | 6,052 |
| Average total loans | $15,350,800 | 7,431 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8202% | 2,798 |
| Cost of funding earning assets | 1.8628% | 4,086 |
| Net interest margin | 3.9574% | 3,000 |
| Noninterest income to average assets | 0.1631% | 7,034 |
| Noninterest expense to average assets | 0.9291% | 8,043 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.8439% | 68 |
| Return on assets (ROA) | 2.8439% | 76 |
| Pretax return on assets | 2.9858% | 108 |
| Return on Equity (ROE) | 14.2660% | 886 |
| Retained earnings to average equity (ytd only) | 8.4848% | 981 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.7319% | 8,041 |
| Assets per employee ($millions) | 7.6422% | 597 |
| Cash dividends to net income (ytd only)* | 40.5233% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8404% | 6,990 |
| Loan loss allowance to noncurrent loans | 1,136.3636% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 7,512 |
| Noncurrent loans to loans | 0.0740% | 7,310 |
| Net loans and leases to total assets | 38.5962% | 7,529 |
| Net loans and leases to deposits | 52.4915% | 7,282 |
| Net loans and leases to core deposits | 64.4496% | 7,228 |
| Total domestic deposits to total assets | 73.5286% | 7,024 |
| Equity capital to assets | 20.5203% | 303 |
| Core capital (leverage) ratio | 20.4471% | 286 |
| Tier 1 risk-based capital ratio | 36.4505% | 349 |
| Total risk-based capital ratio | 37.0358% | 356 |
| Memoranda: | ||
| Average total assets | $37,599,500 | 7,247 |
| Average earning assets | $35,645,000 | 7,179 |
| Average equity | $7,495,500 | 6,149 |
| Average total loans | $15,474,250 | 7,494 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8171% | 2,970 |
| Cost of funding earning assets | 1.9353% | 4,087 |
| Net interest margin | 3.8819% | 3,197 |
| Noninterest income to average assets | 0.1658% | 7,095 |
| Noninterest expense to average assets | 0.9573% | 8,131 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.7329% | 81 |
| Return on assets (ROA) | 2.7329% | 91 |
| Pretax return on assets | 2.8880% | 117 |
| Return on Equity (ROE) | 13.8476% | 1,023 |
| Retained earnings to average equity (ytd only) | 5.7179% | 2,150 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.8957% | 8,125 |
| Assets per employee ($millions) | 7.5110% | 611 |
| Cash dividends to net income (ytd only)* | 58.7084% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7889% | 7,189 |
| Loan loss allowance to noncurrent loans | 53.6481% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 0.6204% | 5,867 |
| Noncurrent loans to loans | 1.4706% | 4,290 |
| Net loans and leases to total assets | 41.8559% | 7,453 |
| Net loans and leases to deposits | 57.6527% | 7,050 |
| Net loans and leases to core deposits | 71.0303% | 6,963 |
| Total domestic deposits to total assets | 72.6002% | 7,169 |
| Equity capital to assets | 20.0959% | 381 |
| Core capital (leverage) ratio | 19.9459% | 363 |
| Tier 1 risk-based capital ratio | 34.1417% | 443 |
| Total risk-based capital ratio | 34.7094% | 451 |
| Memoranda: | ||
| Average total assets | $37,395,670 | 7,319 |
| Average earning assets | $35,447,000 | 7,242 |
| Average equity | $7,380,330 | 6,233 |
| Average total loans | $15,674,670 | 7,554 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9106% | 2,745 |
| Cost of funding earning assets | 1.9136% | 4,562 |
| Net interest margin | 3.9970% | 2,657 |
| Noninterest income to average assets | 0.1822% | 6,989 |
| Noninterest expense to average assets | 0.8790% | 8,185 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.9692% | 68 |
| Return on assets (ROA) | 2.9692% | 83 |
| Pretax return on assets | 3.0871% | 118 |
| Return on Equity (ROE) | 15.1843% | 942 |
| Retained earnings to average equity (ytd only) | 1.4801% | 5,022 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.1622% | 8,183 |
| Assets per employee ($millions) | 7.4178% | 646 |
| Cash dividends to net income (ytd only)* | 90.2527% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8018% | 7,154 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 41.6943% | 7,483 |
| Net loans and leases to deposits | 57.2613% | 7,088 |
| Net loans and leases to core deposits | 70.1665% | 7,010 |
| Total domestic deposits to total assets | 72.8140% | 7,080 |
| Equity capital to assets | 19.7660% | 432 |
| Core capital (leverage) ratio | 19.7789% | 405 |
| Tier 1 risk-based capital ratio | 34.2278% | 463 |
| Total risk-based capital ratio | 34.8112% | 469 |
| Memoranda: | ||
| Average total assets | $37,316,000 | 7,358 |
| Average earning assets | $35,326,500 | 7,288 |
| Average equity | $7,297,000 | 6,300 |
| Average total loans | $15,590,000 | 7,602 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4290% | 3,283 |
| Cost of funding earning assets | 2.4870% | 4,275 |
| Net interest margin | 3.9421% | 3,396 |
| Noninterest income to average assets | 0.3065% | 6,260 |
| Noninterest expense to average assets | 1.2015% | 8,163 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.6743% | 92 |
| Return on assets (ROA) | 2.6743% | 93 |
| Pretax return on assets | 2.7937% | 120 |
| Return on Equity (ROE) | 14.1777% | 1,070 |
| Retained earnings to average equity (ytd only) | 11.9345% | 230 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.0747% | 8,235 |
| Assets per employee ($millions) | 7.5086% | 560 |
| Cash dividends to net income (ytd only)* | 15.8215% | 4,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8017% | 7,102 |
| Loan loss allowance to noncurrent loans | 2,083.3333% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 7,543 |
| Noncurrent loans to loans | 0.0385% | 7,349 |
| Net loans and leases to total assets | 41.1954% | 7,620 |
| Net loans and leases to deposits | 56.4576% | 7,288 |
| Net loans and leases to core deposits | 69.5445% | 7,219 |
| Total domestic deposits to total assets | 72.9670% | 6,836 |
| Equity capital to assets | 19.3458% | 515 |
| Core capital (leverage) ratio | 19.7257% | 457 |
| Tier 1 risk-based capital ratio | 34.7787% | 451 |
| Total risk-based capital ratio | 35.3736% | 468 |
| Memoranda: | ||
| Average total assets | $36,869,200 | 7,349 |
| Average earning assets | $34,499,800 | 7,305 |
| Average equity | $6,954,600 | 6,473 |
| Average total loans | $16,062,600 | 7,584 |