Home > Wahoo State Bank > Performance and Condition Ratios
Wahoo State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2088% | 3,610 |
| Cost of funding earning assets | 1.4587% | 2,054 |
| Net interest margin | 2.7502% | 3,750 |
| Noninterest income to average assets | 0.3600% | 2,733 |
| Noninterest expense to average assets | 2.3612% | 2,695 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4291% | 3,809 |
| Return on assets (ROA) | 0.4291% | 3,810 |
| Pretax return on assets | 0.4405% | 3,906 |
| Return on Equity (ROE) | 7.3900% | 3,191 |
| Retained earnings to average equity (ytd only) | 5.3676% | 2,460 |
| Net charge-offs to loans | 0.0055% | 2,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 108.2000% | 868 |
| Efficiency ratio | 84.2778% | 648 |
| Assets per employee ($millions) | 7.5504% | 1,698 |
| Cash dividends to net income (ytd only)* | 27.3245% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 3,609 |
| Loan loss allowance to noncurrent loans | 83,300.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 3,856 |
| Noncurrent loans to loans | 0.0011% | 3,795 |
| Net loans and leases to total assets | 73.4300% | 1,427 |
| Net loans and leases to deposits | 92.3544% | 1,061 |
| Net loans and leases to core deposits | 103.7398% | 1,231 |
| Total domestic deposits to total assets | 79.5100% | 3,539 |
| Equity capital to assets | 6.2745% | 4,174 |
| Core capital (leverage) ratio | 7.1744% | 4,502 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.4282% | 2,441 |
| Memoranda: | ||
| Average total assets | $122,816,400 | 3,623 |
| Average earning assets | $108,866,600 | 3,658 |
| Average equity | $7,135,400 | 4,030 |
| Average total loans | $90,479,400 | 3,285 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,732 |
| Cost of funding earning assets | 1.3966% | 1,877 |
| Net interest margin | 2.6643% | 3,929 |
| Noninterest income to average assets | 0.3600% | 2,741 |
| Noninterest expense to average assets | 2.2770% | 2,867 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4346% | 3,902 |
| Return on assets (ROA) | 0.4346% | 3,904 |
| Pretax return on assets | 0.4519% | 3,987 |
| Return on Equity (ROE) | 7.6300% | 3,284 |
| Retained earnings to average equity (ytd only) | 5.4666% | 2,787 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 83.4390% | 648 |
| Assets per employee ($millions) | 7.9526% | 1,370 |
| Cash dividends to net income (ytd only)* | 28.3582% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9230% | 3,654 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 70.7000% | 1,740 |
| Net loans and leases to deposits | 87.4208% | 1,435 |
| Net loans and leases to core deposits | 97.3718% | 1,481 |
| Total domestic deposits to total assets | 80.8700% | 3,405 |
| Equity capital to assets | 5.5493% | 4,130 |
| Core capital (leverage) ratio | 6.8284% | 4,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2260% | 2,539 |
| Memoranda: | ||
| Average total assets | $123,318,750 | 3,628 |
| Average earning assets | $109,594,000 | 3,663 |
| Average equity | $7,024,250 | 4,044 |
| Average total loans | $90,713,250 | 3,282 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8434% | 3,965 |
| Cost of funding earning assets | 1.2793% | 1,766 |
| Net interest margin | 2.5641% | 4,146 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.2883% | 2,848 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3098% | 4,138 |
| Return on assets (ROA) | 0.3098% | 4,165 |
| Pretax return on assets | 0.3229% | 4,204 |
| Return on Equity (ROE) | 5.3900% | 3,823 |
| Retained earnings to average equity (ytd only) | 2.9949% | 3,479 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.6334% | 440 |
| Assets per employee ($millions) | 7.8731% | 1,377 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9203% | 3,714 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 71.6200% | 1,572 |
| Net loans and leases to deposits | 88.7401% | 1,283 |
| Net loans and leases to core deposits | 98.9503% | 1,293 |
| Total domestic deposits to total assets | 80.7000% | 3,472 |
| Equity capital to assets | 5.6196% | 4,262 |
| Core capital (leverage) ratio | 7.0623% | 4,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0090% | 2,622 |
| Memoranda: | ||
| Average total assets | $122,011,333 | 3,657 |
| Average earning assets | $108,497,000 | 3,680 |
| Average equity | $7,012,000 | 4,075 |
| Average total loans | $90,686,333 | 3,290 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7078% | 4,007 |
| Cost of funding earning assets | 1.1748% | 1,521 |
| Net interest margin | 2.5330% | 4,273 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.2494% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2333% | 4,322 |
| Return on assets (ROA) | 0.2333% | 4,286 |
| Pretax return on assets | 0.2499% | 4,292 |
| Return on Equity (ROE) | 4.0100% | 4,036 |
| Retained earnings to average equity (ytd only) | 0.9171% | 3,880 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 90.0000% | 359 |
| Assets per employee ($millions) | 7.4962% | 1,622 |
| Cash dividends to net income (ytd only)* | 77.1429% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9267% | 3,782 |
| Loan loss allowance to noncurrent loans | 2,618.7500% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 3,519 |
| Noncurrent loans to loans | 0.0354% | 3,491 |
| Net loans and leases to total assets | 74.6900% | 1,115 |
| Net loans and leases to deposits | 95.3703% | 691 |
| Net loans and leases to core deposits | 98.0551% | 1,171 |
| Total domestic deposits to total assets | 78.3200% | 3,969 |
| Equity capital to assets | 5.8863% | 4,243 |
| Core capital (leverage) ratio | 7.0851% | 4,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0442% | 2,719 |
| Memoranda: | ||
| Average total assets | $120,032,000 | 3,723 |
| Average earning assets | $106,910,000 | 3,749 |
| Average equity | $6,978,500 | 4,129 |
| Average total loans | $90,503,000 | 3,327 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5214% | 3,023 |
| Cost of funding earning assets | 0.4275% | 1,881 |
| Net interest margin | 3.0939% | 3,192 |
| Noninterest income to average assets | 0.2600% | 3,579 |
| Noninterest expense to average assets | 2.3720% | 2,509 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5855% | 3,913 |
| Return on assets (ROA) | 0.5855% | 3,877 |
| Pretax return on assets | 0.5997% | 4,028 |
| Return on Equity (ROE) | 10.0800% | 2,781 |
| Retained earnings to average equity (ytd only) | 6.9146% | 2,275 |
| Net charge-offs to loans | -0.0012% | 3,374 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.8209% | 727 |
| Assets per employee ($millions) | 7.5078% | 1,611 |
| Cash dividends to net income (ytd only)* | 31.3920% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 3,686 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 74.7100% | 1,153 |
| Net loans and leases to deposits | 96.4480% | 614 |
| Net loans and leases to core deposits | 98.9896% | 1,053 |
| Total domestic deposits to total assets | 77.4600% | 4,131 |
| Equity capital to assets | 5.7415% | 4,171 |
| Core capital (leverage) ratio | 7.0727% | 4,646 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.0161% | 2,731 |
| Memoranda: | ||
| Average total assets | $120,235,200 | 3,726 |
| Average earning assets | $105,498,000 | 3,782 |
| Average equity | $6,985,200 | 4,219 |
| Average total loans | $84,211,200 | 3,352 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4105% | 2,886 |
| Cost of funding earning assets | 0.3172% | 1,993 |
| Net interest margin | 3.0933% | 2,957 |
| Noninterest income to average assets | 0.2700% | 3,561 |
| Noninterest expense to average assets | 2.3504% | 2,474 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5965% | 3,845 |
| Return on assets (ROA) | 0.5965% | 3,804 |
| Pretax return on assets | 0.6208% | 3,949 |
| Return on Equity (ROE) | 10.2400% | 2,652 |
| Retained earnings to average equity (ytd only) | 6.0317% | 2,742 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.1045% | 831 |
| Assets per employee ($millions) | 7.4909% | 1,616 |
| Cash dividends to net income (ytd only)* | 41.0781% | 1,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9427% | 3,719 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 73.4700% | 1,142 |
| Net loans and leases to deposits | 86.1112% | 1,163 |
| Net loans and leases to core deposits | 86.9951% | 1,466 |
| Total domestic deposits to total assets | 85.3200% | 3,211 |
| Equity capital to assets | 5.4449% | 4,147 |
| Core capital (leverage) ratio | 7.0063% | 4,672 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4650% | 2,957 |
| Memoranda: | ||
| Average total assets | $120,262,750 | 3,750 |
| Average earning assets | $105,084,250 | 3,807 |
| Average equity | $7,007,250 | 4,253 |
| Average total loans | $82,619,000 | 3,386 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2942% | 2,757 |
| Cost of funding earning assets | 0.2958% | 1,755 |
| Net interest margin | 2.9984% | 2,882 |
| Noninterest income to average assets | 0.2388% | 3,740 |
| Noninterest expense to average assets | 2.3328% | 2,449 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4908% | 3,921 |
| Return on assets (ROA) | 0.4908% | 3,868 |
| Pretax return on assets | 0.5107% | 3,977 |
| Return on Equity (ROE) | 8.0047% | 3,017 |
| Retained earnings to average equity (ytd only) | 2.0282% | 3,744 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0408% | 796 |
| Assets per employee ($millions) | 7.3559% | 1,695 |
| Cash dividends to net income (ytd only)* | 74.6622% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 3,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 70.8365% | 1,216 |
| Net loans and leases to deposits | 83.4653% | 1,156 |
| Net loans and leases to core deposits | 84.9944% | 1,394 |
| Total domestic deposits to total assets | 84.8694% | 3,509 |
| Equity capital to assets | 6.1311% | 4,166 |
| Core capital (leverage) ratio | 6.8982% | 4,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.4959% | 2,926 |
| Memoranda: | ||
| Average total assets | $120,626,000 | 3,794 |
| Average earning assets | $104,789,333 | 3,859 |
| Average equity | $7,395,667 | 4,266 |
| Average total loans | $80,528,333 | 3,449 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1501% | 2,825 |
| Cost of funding earning assets | 0.2943% | 1,706 |
| Net interest margin | 2.8558% | 2,970 |
| Noninterest income to average assets | 0.2293% | 3,778 |
| Noninterest expense to average assets | 2.3163% | 2,438 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3768% | 4,003 |
| Return on assets (ROA) | 0.3768% | 3,968 |
| Pretax return on assets | 0.3931% | 4,044 |
| Return on Equity (ROE) | 6.1452% | 3,309 |
| Retained earnings to average equity (ytd only) | 6.1452% | 2,199 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4897% | 768 |
| Assets per employee ($millions) | 8.0406% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.7586% | 1,987 |
| Net loans and leases to deposits | 69.9353% | 1,974 |
| Net loans and leases to core deposits | 71.0774% | 2,202 |
| Total domestic deposits to total assets | 86.8784% | 2,971 |
| Equity capital to assets | 5.4131% | 4,676 |
| Core capital (leverage) ratio | 7.0588% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2511% | 2,837 |
| Memoranda: | ||
| Average total assets | $122,091,500 | 3,795 |
| Average earning assets | $106,030,000 | 3,857 |
| Average equity | $7,485,500 | 4,319 |
| Average total loans | $78,688,000 | 3,477 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5572% | 2,497 |
| Cost of funding earning assets | 0.3799% | 1,684 |
| Net interest margin | 3.1773% | 2,662 |
| Noninterest income to average assets | 0.4976% | 2,577 |
| Noninterest expense to average assets | 2.4758% | 2,256 |
| Loan and lease loss provision to assets | 0.0211% | 2,647 |
| Net operating income to assets | 0.6233% | 3,826 |
| Return on assets (ROA) | 0.6233% | 3,867 |
| Pretax return on assets | 0.6480% | 4,035 |
| Return on Equity (ROE) | 9.0401% | 2,901 |
| Retained earnings to average equity (ytd only) | 9.0401% | 1,190 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7252% | 889 |
| Assets per employee ($millions) | 6.7961% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 3,486 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 67.1107% | 1,363 |
| Net loans and leases to deposits | 79.8935% | 1,229 |
| Net loans and leases to core deposits | 81.1426% | 1,511 |
| Total domestic deposits to total assets | 84.0002% | 3,563 |
| Equity capital to assets | 6.9305% | 4,732 |
| Core capital (leverage) ratio | 6.9085% | 4,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1173% | 2,861 |
| Memoranda: | ||
| Average total assets | $113,742,000 | 3,859 |
| Average earning assets | $94,766,000 | 3,967 |
| Average equity | $7,842,800 | 4,342 |
| Average total loans | $73,052,800 | 3,601 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5515% | 2,690 |
| Cost of funding earning assets | 0.3971% | 1,712 |
| Net interest margin | 3.1544% | 2,880 |
| Noninterest income to average assets | 0.5637% | 2,359 |
| Noninterest expense to average assets | 2.4019% | 2,432 |
| Loan and lease loss provision to assets | 0.0212% | 2,567 |
| Net operating income to assets | 0.7214% | 3,717 |
| Return on assets (ROA) | 0.7214% | 3,781 |
| Pretax return on assets | 0.7485% | 3,994 |
| Return on Equity (ROE) | 10.4760% | 2,562 |
| Retained earnings to average equity (ytd only) | 10.4760% | 1,182 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7328% | 1,053 |
| Assets per employee ($millions) | 6.8326% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1058% | 3,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 63.9832% | 1,778 |
| Net loans and leases to deposits | 77.7290% | 1,506 |
| Net loans and leases to core deposits | 78.9620% | 1,825 |
| Total domestic deposits to total assets | 82.3157% | 3,860 |
| Equity capital to assets | 6.9382% | 4,820 |
| Core capital (leverage) ratio | 6.8177% | 4,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.2912% | 2,907 |
| Memoranda: | ||
| Average total assets | $113,294,250 | 3,910 |
| Average earning assets | $93,666,500 | 4,028 |
| Average equity | $7,801,750 | 4,413 |
| Average total loans | $71,723,000 | 3,671 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5320% | 2,812 |
| Cost of funding earning assets | 0.4090% | 1,808 |
| Net interest margin | 3.1230% | 2,976 |
| Noninterest income to average assets | 0.6961% | 1,823 |
| Noninterest expense to average assets | 2.4960% | 2,156 |
| Loan and lease loss provision to assets | 0.0214% | 2,544 |
| Net operating income to assets | 0.7281% | 3,689 |
| Return on assets (ROA) | 0.7281% | 3,757 |
| Pretax return on assets | 0.7477% | 3,976 |
| Return on Equity (ROE) | 10.6013% | 2,556 |
| Retained earnings to average equity (ytd only) | 10.6013% | 1,216 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4449% | 1,043 |
| Assets per employee ($millions) | 6.8255% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1279% | 3,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 62.3288% | 2,143 |
| Net loans and leases to deposits | 73.8424% | 2,017 |
| Net loans and leases to core deposits | 74.9839% | 2,331 |
| Total domestic deposits to total assets | 84.4079% | 3,309 |
| Equity capital to assets | 6.7903% | 4,876 |
| Core capital (leverage) ratio | 6.9812% | 4,860 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.9473% | 2,971 |
| Memoranda: | ||
| Average total assets | $112,341,000 | 3,944 |
| Average earning assets | $92,412,000 | 4,062 |
| Average equity | $7,716,000 | 4,448 |
| Average total loans | $70,580,667 | 3,711 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5850% | 2,691 |
| Cost of funding earning assets | 0.4420% | 1,783 |
| Net interest margin | 3.1430% | 2,863 |
| Noninterest income to average assets | 0.8290% | 1,515 |
| Noninterest expense to average assets | 2.5522% | 2,018 |
| Loan and lease loss provision to assets | 0.0217% | 2,496 |
| Net operating income to assets | 0.7783% | 3,490 |
| Return on assets (ROA) | 0.7783% | 3,556 |
| Pretax return on assets | 0.8037% | 3,806 |
| Return on Equity (ROE) | 11.2647% | 2,286 |
| Retained earnings to average equity (ytd only) | 11.2647% | 1,331 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5627% | 1,174 |
| Assets per employee ($millions) | 6.6353% | 2,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 3,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 60.8147% | 2,428 |
| Net loans and leases to deposits | 72.2856% | 2,283 |
| Net loans and leases to core deposits | 73.4378% | 2,564 |
| Total domestic deposits to total assets | 84.1312% | 3,393 |
| Equity capital to assets | 6.7394% | 4,884 |
| Core capital (leverage) ratio | 6.9667% | 4,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1345% | 2,902 |
| Memoranda: | ||
| Average total assets | $110,495,000 | 3,969 |
| Average earning assets | $89,596,500 | 4,102 |
| Average equity | $7,634,500 | 4,468 |
| Average total loans | $69,297,500 | 3,756 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9795% | 2,793 |
| Cost of funding earning assets | 0.6139% | 2,216 |
| Net interest margin | 3.3656% | 2,881 |
| Noninterest income to average assets | 0.3347% | 3,456 |
| Noninterest expense to average assets | 2.8213% | 1,890 |
| Loan and lease loss provision to assets | 0.0196% | 4,142 |
| Net operating income to assets | 0.2916% | 4,444 |
| Return on assets (ROA) | 0.2916% | 4,510 |
| Pretax return on assets | 0.3033% | 4,539 |
| Return on Equity (ROE) | 3.9462% | 4,172 |
| Retained earnings to average equity (ytd only) | 3.9462% | 2,856 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7284% | 386 |
| Assets per employee ($millions) | 6.3641% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1752% | 3,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 63.1888% | 2,466 |
| Net loans and leases to deposits | 75.8168% | 2,299 |
| Net loans and leases to core deposits | 76.6559% | 2,662 |
| Total domestic deposits to total assets | 83.3441% | 3,314 |
| Equity capital to assets | 7.0866% | 4,909 |
| Core capital (leverage) ratio | 6.8562% | 4,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5850% | 3,012 |
| Memoranda: | ||
| Average total assets | $101,868,200 | 3,970 |
| Average earning assets | $85,036,600 | 4,086 |
| Average equity | $7,526,200 | 4,475 |
| Average total loans | $60,606,200 | 3,905 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9149% | 3,204 |
| Cost of funding earning assets | 0.6446% | 2,359 |
| Net interest margin | 3.2703% | 3,276 |
| Noninterest income to average assets | 0.3310% | 3,502 |
| Noninterest expense to average assets | 2.8424% | 1,843 |
| Loan and lease loss provision to assets | 0.0110% | 4,167 |
| Net operating income to assets | 0.2313% | 4,548 |
| Return on assets (ROA) | 0.2313% | 4,584 |
| Pretax return on assets | 0.2433% | 4,610 |
| Return on Equity (ROE) | 3.0970% | 4,373 |
| Retained earnings to average equity (ytd only) | 3.0970% | 3,482 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7991% | 319 |
| Assets per employee ($millions) | 6.1317% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2234% | 2,538 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 4,293 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 62.0420% | 3,007 |
| Net loans and leases to deposits | 75.1729% | 2,833 |
| Net loans and leases to core deposits | 76.0427% | 3,161 |
| Total domestic deposits to total assets | 82.5324% | 3,271 |
| Equity capital to assets | 7.3610% | 4,887 |
| Core capital (leverage) ratio | 6.7105% | 4,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8500% | 2,951 |
| Memoranda: | ||
| Average total assets | $100,287,750 | 3,987 |
| Average earning assets | $84,801,500 | 4,103 |
| Average equity | $7,491,000 | 4,501 |
| Average total loans | $58,463,500 | 3,967 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9698% | 3,402 |
| Cost of funding earning assets | 0.6939% | 2,426 |
| Net interest margin | 3.2758% | 3,445 |
| Noninterest income to average assets | 0.3456% | 3,404 |
| Noninterest expense to average assets | 2.8978% | 1,834 |
| Loan and lease loss provision to assets | 0.0162% | 4,031 |
| Net operating income to assets | 0.1859% | 4,590 |
| Return on assets (ROA) | 0.1859% | 4,631 |
| Pretax return on assets | 0.1980% | 4,634 |
| Return on Equity (ROE) | 2.4763% | 4,451 |
| Retained earnings to average equity (ytd only) | 2.4763% | 3,589 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1169% | 317 |
| Assets per employee ($millions) | 6.3339% | 1,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2239% | 2,390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 60.0375% | 3,323 |
| Net loans and leases to deposits | 72.2786% | 3,230 |
| Net loans and leases to core deposits | 73.2898% | 3,499 |
| Total domestic deposits to total assets | 83.0640% | 3,070 |
| Equity capital to assets | 7.0898% | 4,959 |
| Core capital (leverage) ratio | 7.0539% | 5,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.3164% | 3,121 |
| Memoranda: | ||
| Average total assets | $98,970,667 | 4,008 |
| Average earning assets | $83,582,000 | 4,118 |
| Average equity | $7,430,333 | 4,526 |
| Average total loans | $56,127,000 | 4,015 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8854% | 4,061 |
| Cost of funding earning assets | 0.7872% | 2,464 |
| Net interest margin | 3.0982% | 4,098 |
| Noninterest income to average assets | 0.3636% | 3,336 |
| Noninterest expense to average assets | 2.9339% | 2,040 |
| Loan and lease loss provision to assets | 0.0169% | 3,584 |
| Net operating income to assets | 0.0085% | 4,746 |
| Return on assets (ROA) | 0.0085% | 4,732 |
| Pretax return on assets | 0.0085% | 4,727 |
| Return on Equity (ROE) | 0.1092% | 4,729 |
| Retained earnings to average equity (ytd only) | 0.1092% | 3,966 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1429% | 251 |
| Assets per employee ($millions) | 6.0800% | 1,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,297 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 53.3388% | 4,036 |
| Net loans and leases to deposits | 65.5317% | 3,894 |
| Net loans and leases to core deposits | 66.5640% | 4,050 |
| Total domestic deposits to total assets | 81.3939% | 3,575 |
| Equity capital to assets | 7.6398% | 5,023 |
| Core capital (leverage) ratio | 7.7228% | 5,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.0884% | 3,317 |
| Memoranda: | ||
| Average total assets | $94,618,000 | 4,069 |
| Average earning assets | $79,271,500 | 4,182 |
| Average equity | $7,328,500 | 4,571 |
| Average total loans | $51,467,000 | 4,126 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4300% | 3,159 |
| Cost of funding earning assets | 0.8252% | 2,562 |
| Net interest margin | 3.6048% | 3,123 |
| Noninterest income to average assets | 0.8785% | 1,223 |
| Noninterest expense to average assets | 3.4568% | 1,023 |
| Loan and lease loss provision to assets | 0.0327% | 3,359 |
| Net operating income to assets | 0.3423% | 4,692 |
| Return on assets (ROA) | 0.3423% | 4,721 |
| Pretax return on assets | 0.3540% | 4,765 |
| Return on Equity (ROE) | 4.1277% | 4,432 |
| Retained earnings to average equity (ytd only) | 2.0991% | 3,947 |
| Net charge-offs to loans | 0.0060% | 3,467 |
| Credit loss provision to net charge-offs | 933.3333% | 367 |
| Earnings coverage of net charge-offs (x) | 110.3333% | 628 |
| Efficiency ratio | 89.9392% | 355 |
| Assets per employee ($millions) | 5.7473% | 1,835 |
| Cash dividends to net income (ytd only)* | 49.1468% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5781% | 1,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 53.7822% | 4,087 |
| Net loans and leases to deposits | 65.0309% | 4,005 |
| Net loans and leases to core deposits | 65.8711% | 4,194 |
| Total domestic deposits to total assets | 82.7026% | 3,305 |
| Equity capital to assets | 7.8570% | 5,073 |
| Core capital (leverage) ratio | 7.6220% | 5,090 |
| Tier 1 risk-based capital ratio | 10.9996% | 4,858 |
| Total risk-based capital ratio | 12.2223% | 4,773 |
| Memoranda: | ||
| Average total assets | $85,599,600 | 4,209 |
| Average earning assets | $70,406,600 | 4,339 |
| Average equity | $7,098,400 | 4,628 |
| Average total loans | $50,296,200 | 4,173 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 3,190 |
| Cost of funding earning assets | 0.8125% | 2,645 |
| Net interest margin | 3.6435% | 3,117 |
| Noninterest income to average assets | 0.5936% | 2,238 |
| Noninterest expense to average assets | 3.1456% | 1,591 |
| Loan and lease loss provision to assets | 0.0349% | 3,201 |
| Net operating income to assets | 0.3999% | 4,726 |
| Return on assets (ROA) | 0.3999% | 4,749 |
| Pretax return on assets | 0.4095% | 4,804 |
| Return on Equity (ROE) | 4.7545% | 4,401 |
| Retained earnings to average equity (ytd only) | 2.0377% | 4,255 |
| Net charge-offs to loans | 0.0026% | 3,335 |
| Credit loss provision to net charge-offs | 2,200.0000% | 189 |
| Earnings coverage of net charge-offs (x) | 280.6917% | 328 |
| Efficiency ratio | 87.6216% | 416 |
| Assets per employee ($millions) | 5.6613% | 1,876 |
| Cash dividends to net income (ytd only)* | 57.1446% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5541% | 1,107 |
| Loan loss allowance to noncurrent loans | 830.5263% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1049% | 4,184 |
| Noncurrent loans to loans | 0.1871% | 3,866 |
| Net loans and leases to total assets | 55.1782% | 4,095 |
| Net loans and leases to deposits | 67.0139% | 3,997 |
| Net loans and leases to core deposits | 67.3435% | 4,198 |
| Total domestic deposits to total assets | 82.3385% | 3,376 |
| Equity capital to assets | 7.9741% | 5,136 |
| Core capital (leverage) ratio | 8.0602% | 5,104 |
| Tier 1 risk-based capital ratio | 10.9424% | 4,939 |
| Total risk-based capital ratio | 12.1596% | 4,835 |
| Memoranda: | ||
| Average total assets | $84,010,500 | 4,278 |
| Average earning assets | $69,088,750 | 4,413 |
| Average equity | $7,066,750 | 4,689 |
| Average total loans | $50,308,000 | 4,219 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 3,067 |
| Cost of funding earning assets | 0.7649% | 2,826 |
| Net interest margin | 3.7176% | 2,876 |
| Noninterest income to average assets | 0.6429% | 1,956 |
| Noninterest expense to average assets | 3.2706% | 1,342 |
| Loan and lease loss provision to assets | 0.0391% | 3,036 |
| Net operating income to assets | 0.3862% | 4,756 |
| Return on assets (ROA) | 0.3862% | 4,776 |
| Pretax return on assets | 0.3984% | 4,831 |
| Return on Equity (ROE) | 4.5048% | 4,465 |
| Retained earnings to average equity (ytd only) | 4.5048% | 3,018 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2004% | 433 |
| Assets per employee ($millions) | 5.2581% | 2,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5047% | 1,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.0004% | 3,651 |
| Net loans and leases to deposits | 75.3826% | 3,383 |
| Net loans and leases to core deposits | 75.7868% | 3,749 |
| Total domestic deposits to total assets | 80.9210% | 3,836 |
| Equity capital to assets | 8.6451% | 4,983 |
| Core capital (leverage) ratio | 8.5631% | 4,936 |
| Tier 1 risk-based capital ratio | 10.8839% | 4,963 |
| Total risk-based capital ratio | 12.0785% | 4,896 |
| Memoranda: | ||
| Average total assets | $81,820,330 | 4,350 |
| Average earning assets | $67,462,670 | 4,470 |
| Average equity | $7,014,670 | 4,724 |
| Average total loans | $50,154,000 | 4,252 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 3,189 |
| Cost of funding earning assets | 0.7270% | 2,905 |
| Net interest margin | 3.6831% | 2,957 |
| Noninterest income to average assets | 0.5554% | 2,257 |
| Noninterest expense to average assets | 3.1537% | 1,607 |
| Loan and lease loss provision to assets | 0.0496% | 2,664 |
| Net operating income to assets | 0.3818% | 4,762 |
| Return on assets (ROA) | 0.3818% | 4,775 |
| Pretax return on assets | 0.3917% | 4,849 |
| Return on Equity (ROE) | 4.4732% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.4732% | 3,135 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7241% | 501 |
| Assets per employee ($millions) | 5.0935% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5415% | 1,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 60.9748% | 3,604 |
| Net loans and leases to deposits | 72.8558% | 3,540 |
| Net loans and leases to core deposits | 73.2423% | 3,844 |
| Total domestic deposits to total assets | 83.6925% | 3,152 |
| Equity capital to assets | 8.5562% | 4,958 |
| Core capital (leverage) ratio | 8.6396% | 4,923 |
| Tier 1 risk-based capital ratio | 11.0822% | 4,938 |
| Total risk-based capital ratio | 12.3029% | 4,853 |
| Memoranda: | ||
| Average total assets | $80,666,000 | 4,409 |
| Average earning assets | $66,573,500 | 4,535 |
| Average equity | $6,885,500 | 4,776 |
| Average total loans | $49,179,500 | 4,320 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0966% | 3,752 |
| Cost of funding earning assets | 0.4910% | 3,416 |
| Net interest margin | 3.6056% | 3,367 |
| Noninterest income to average assets | 0.7130% | 1,800 |
| Noninterest expense to average assets | 3.0924% | 1,821 |
| Loan and lease loss provision to assets | 0.0493% | 3,198 |
| Net operating income to assets | 0.6451% | 4,297 |
| Return on assets (ROA) | 0.6451% | 4,304 |
| Pretax return on assets | 0.6784% | 4,464 |
| Return on Equity (ROE) | 7.8858% | 3,487 |
| Retained earnings to average equity (ytd only) | 5.5638% | 2,446 |
| Net charge-offs to loans | -0.0647% | 5,044 |
| Credit loss provision to net charge-offs | -129.0323% | 4,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9493% | 875 |
| Assets per employee ($millions) | 4.9898% | 2,519 |
| Cash dividends to net income (ytd only)* | 29.4455% | 3,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6037% | 1,025 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 59.0222% | 3,868 |
| Net loans and leases to deposits | 70.6049% | 3,783 |
| Net loans and leases to core deposits | 70.9857% | 4,056 |
| Total domestic deposits to total assets | 83.5951% | 3,128 |
| Equity capital to assets | 8.5150% | 4,925 |
| Core capital (leverage) ratio | 8.6254% | 4,941 |
| Tier 1 risk-based capital ratio | 11.6755% | 4,636 |
| Total risk-based capital ratio | 12.9258% | 4,520 |
| Memoranda: | ||
| Average total assets | $81,069,800 | 4,413 |
| Average earning assets | $69,863,000 | 4,497 |
| Average equity | $6,632,200 | 4,805 |
| Average total loans | $47,903,800 | 4,356 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 3,869 |
| Cost of funding earning assets | 0.4497% | 3,524 |
| Net interest margin | 3.5693% | 3,460 |
| Noninterest income to average assets | 0.6898% | 1,901 |
| Noninterest expense to average assets | 2.8181% | 2,577 |
| Loan and lease loss provision to assets | 0.0459% | 3,069 |
| Net operating income to assets | 0.8978% | 3,538 |
| Return on assets (ROA) | 0.8978% | 3,543 |
| Pretax return on assets | 0.9339% | 3,915 |
| Return on Equity (ROE) | 11.0860% | 2,144 |
| Retained earnings to average equity (ytd only) | 11.0860% | 635 |
| Net charge-offs to loans | -0.0863% | 5,122 |
| Credit loss provision to net charge-offs | -90.3226% | 4,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2019% | 1,561 |
| Assets per employee ($millions) | 5.0466% | 2,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5842% | 1,115 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 58.1651% | 4,022 |
| Net loans and leases to deposits | 69.4918% | 3,959 |
| Net loans and leases to core deposits | 69.4918% | 4,222 |
| Total domestic deposits to total assets | 83.7007% | 3,048 |
| Equity capital to assets | 8.3794% | 4,992 |
| Core capital (leverage) ratio | 8.6129% | 5,024 |
| Tier 1 risk-based capital ratio | 12.6160% | 4,147 |
| Total risk-based capital ratio | 13.8663% | 4,035 |
| Memoranda: | ||
| Average total assets | $81,378,250 | 4,454 |
| Average earning assets | $70,861,000 | 4,523 |
| Average equity | $6,590,750 | 4,864 |
| Average total loans | $47,907,500 | 4,402 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8498% | 4,216 |
| Cost of funding earning assets | 0.4060% | 3,680 |
| Net interest margin | 3.4438% | 3,822 |
| Noninterest income to average assets | 0.4486% | 3,161 |
| Noninterest expense to average assets | 2.8068% | 2,642 |
| Loan and lease loss provision to assets | 0.0392% | 3,121 |
| Net operating income to assets | 0.5932% | 4,513 |
| Return on assets (ROA) | 0.5932% | 4,516 |
| Pretax return on assets | 0.6177% | 4,712 |
| Return on Equity (ROE) | 7.4093% | 3,761 |
| Retained earnings to average equity (ytd only) | 7.4093% | 1,883 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0333% | 915 |
| Assets per employee ($millions) | 5.2194% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 1,564 |
| Loan loss allowance to noncurrent loans | 35,650.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,054 |
| Noncurrent loans to loans | 0.0041% | 4,951 |
| Net loans and leases to total assets | 58.0570% | 3,985 |
| Net loans and leases to deposits | 68.6966% | 3,968 |
| Net loans and leases to core deposits | 68.6966% | 4,218 |
| Total domestic deposits to total assets | 84.5122% | 2,868 |
| Equity capital to assets | 7.8553% | 5,275 |
| Core capital (leverage) ratio | 8.2965% | 5,214 |
| Tier 1 risk-based capital ratio | 11.8850% | 4,569 |
| Total risk-based capital ratio | 13.1206% | 4,459 |
| Memoranda: | ||
| Average total assets | $81,589,000 | 4,486 |
| Average earning assets | $71,432,000 | 4,562 |
| Average equity | $6,532,330 | 4,924 |
| Average total loans | $47,969,330 | 4,440 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 4,266 |
| Cost of funding earning assets | 0.3773% | 3,756 |
| Net interest margin | 3.4074% | 3,860 |
| Noninterest income to average assets | 0.4167% | 3,337 |
| Noninterest expense to average assets | 2.7633% | 2,834 |
| Loan and lease loss provision to assets | 0.0198% | 3,278 |
| Net operating income to assets | 0.6102% | 4,398 |
| Return on assets (ROA) | 0.6102% | 4,403 |
| Pretax return on assets | 0.6350% | 4,599 |
| Return on Equity (ROE) | 7.5477% | 3,564 |
| Retained earnings to average equity (ytd only) | 7.5477% | 2,021 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8418% | 1,059 |
| Assets per employee ($millions) | 5.0731% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,591 |
| Loan loss allowance to noncurrent loans | 70,100.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,146 |
| Noncurrent loans to loans | 0.0021% | 5,018 |
| Net loans and leases to total assets | 58.0111% | 3,939 |
| Net loans and leases to deposits | 68.9940% | 3,875 |
| Net loans and leases to core deposits | 68.9940% | 4,150 |
| Total domestic deposits to total assets | 84.0814% | 3,291 |
| Equity capital to assets | 7.9907% | 5,273 |
| Core capital (leverage) ratio | 8.4211% | 5,187 |
| Tier 1 risk-based capital ratio | 12.0983% | 4,495 |
| Total risk-based capital ratio | 13.3478% | 4,384 |
| Memoranda: | ||
| Average total assets | $80,628,000 | 4,551 |
| Average earning assets | $71,022,500 | 4,616 |
| Average equity | $6,518,500 | 4,975 |
| Average total loans | $47,355,500 | 4,502 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8984% | 3,730 |
| Cost of funding earning assets | 0.2990% | 4,155 |
| Net interest margin | 3.5995% | 3,168 |
| Noninterest income to average assets | 1.0120% | 994 |
| Noninterest expense to average assets | 3.1428% | 1,736 |
| Loan and lease loss provision to assets | 0.0422% | 3,405 |
| Net operating income to assets | 0.9923% | 2,283 |
| Return on assets (ROA) | 0.9923% | 2,314 |
| Pretax return on assets | 1.0318% | 3,452 |
| Return on Equity (ROE) | 11.8170% | 1,264 |
| Retained earnings to average equity (ytd only) | 6.9207% | 1,112 |
| Net charge-offs to loans | -0.0534% | 5,211 |
| Credit loss provision to net charge-offs | -128.0000% | 4,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5313% | 1,824 |
| Assets per employee ($millions) | 5.0054% | 2,468 |
| Cash dividends to net income (ytd only)* | 41.4343% | 2,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,456 |
| Loan loss allowance to noncurrent loans | 69,700.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,198 |
| Noncurrent loans to loans | 0.0021% | 5,063 |
| Net loans and leases to total assets | 57.7197% | 4,029 |
| Net loans and leases to deposits | 68.8338% | 3,958 |
| Net loans and leases to core deposits | 68.8338% | 4,244 |
| Total domestic deposits to total assets | 83.8538% | 3,256 |
| Equity capital to assets | 8.1799% | 5,313 |
| Core capital (leverage) ratio | 8.2279% | 5,335 |
| Tier 1 risk-based capital ratio | 12.3290% | 4,308 |
| Total risk-based capital ratio | 13.5794% | 4,221 |
| Memoranda: | ||
| Average total assets | $75,887,800 | 4,671 |
| Average earning assets | $67,565,400 | 4,714 |
| Average equity | $6,372,200 | 5,049 |
| Average total loans | $46,823,800 | 4,540 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8766% | 3,748 |
| Cost of funding earning assets | 0.2742% | 4,367 |
| Net interest margin | 3.6024% | 3,137 |
| Noninterest income to average assets | 0.5184% | 2,908 |
| Noninterest expense to average assets | 2.9628% | 2,209 |
| Loan and lease loss provision to assets | 0.0428% | 3,247 |
| Net operating income to assets | 0.7180% | 3,883 |
| Return on assets (ROA) | 0.7180% | 3,945 |
| Pretax return on assets | 0.7429% | 4,506 |
| Return on Equity (ROE) | 8.4918% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.4918% | 1,019 |
| Net charge-offs to loans | -0.0114% | 4,667 |
| Credit loss provision to net charge-offs | -600.0000% | 4,842 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0399% | 1,210 |
| Assets per employee ($millions) | 5.0693% | 2,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 1,758 |
| Loan loss allowance to noncurrent loans | 66,800.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,277 |
| Noncurrent loans to loans | 0.0021% | 5,153 |
| Net loans and leases to total assets | 56.5412% | 4,191 |
| Net loans and leases to deposits | 67.4471% | 4,150 |
| Net loans and leases to core deposits | 67.4471% | 4,385 |
| Total domestic deposits to total assets | 83.8304% | 3,184 |
| Equity capital to assets | 8.1224% | 5,472 |
| Core capital (leverage) ratio | 8.5023% | 5,245 |
| Tier 1 risk-based capital ratio | 12.4711% | 4,336 |
| Total risk-based capital ratio | 13.7205% | 4,251 |
| Memoranda: | ||
| Average total assets | $74,838,000 | 4,744 |
| Average earning assets | $67,101,250 | 4,771 |
| Average equity | $6,327,500 | 5,112 |
| Average total loans | $46,799,000 | 4,584 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 3,576 |
| Cost of funding earning assets | 0.2526% | 4,519 |
| Net interest margin | 3.6396% | 2,877 |
| Noninterest income to average assets | 0.5114% | 2,952 |
| Noninterest expense to average assets | 3.0764% | 1,893 |
| Loan and lease loss provision to assets | 0.0330% | 3,331 |
| Net operating income to assets | 0.6626% | 4,014 |
| Return on assets (ROA) | 0.6626% | 4,073 |
| Pretax return on assets | 0.6901% | 4,577 |
| Return on Equity (ROE) | 7.7235% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.7235% | 1,274 |
| Net charge-offs to loans | -0.0171% | 4,714 |
| Credit loss provision to net charge-offs | -300.0000% | 4,549 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9696% | 1,110 |
| Assets per employee ($millions) | 4.6694% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3882% | 1,998 |
| Loan loss allowance to noncurrent loans | 10,933.3333% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0080% | 5,271 |
| Noncurrent loans to loans | 0.0127% | 5,125 |
| Net loans and leases to total assets | 62.3745% | 3,586 |
| Net loans and leases to deposits | 73.1026% | 3,635 |
| Net loans and leases to core deposits | 74.4207% | 3,906 |
| Total domestic deposits to total assets | 85.3246% | 2,685 |
| Equity capital to assets | 8.6334% | 5,202 |
| Core capital (leverage) ratio | 8.9065% | 4,834 |
| Tier 1 risk-based capital ratio | 12.1593% | 4,519 |
| Total risk-based capital ratio | 13.4026% | 4,410 |
| Memoranda: | ||
| Average total assets | $72,747,670 | 4,805 |
| Average earning assets | $65,721,000 | 4,836 |
| Average equity | $6,240,670 | 5,153 |
| Average total loans | $46,889,330 | 4,611 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8548% | 3,567 |
| Cost of funding earning assets | 0.2390% | 4,646 |
| Net interest margin | 3.6158% | 2,830 |
| Noninterest income to average assets | 0.4570% | 3,275 |
| Noninterest expense to average assets | 3.1268% | 1,796 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5964% | 4,180 |
| Return on assets (ROA) | 0.5964% | 4,227 |
| Pretax return on assets | 0.6187% | 4,687 |
| Return on Equity (ROE) | 6.9752% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.9752% | 1,858 |
| Net charge-offs to loans | -0.0343% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4821% | 1,018 |
| Assets per employee ($millions) | 4.4528% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 2,125 |
| Loan loss allowance to noncurrent loans | 12,880.0000% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 5,343 |
| Noncurrent loans to loans | 0.0108% | 5,200 |
| Net loans and leases to total assets | 64.2459% | 3,238 |
| Net loans and leases to deposits | 72.6470% | 3,551 |
| Net loans and leases to core deposits | 74.4575% | 3,797 |
| Total domestic deposits to total assets | 88.4357% | 1,466 |
| Equity capital to assets | 8.7038% | 5,073 |
| Core capital (leverage) ratio | 8.6221% | 5,129 |
| Tier 1 risk-based capital ratio | 12.0901% | 4,656 |
| Total risk-based capital ratio | 13.3295% | 4,560 |
| Memoranda: | ||
| Average total assets | $71,766,500 | 4,874 |
| Average earning assets | $65,268,500 | 4,898 |
| Average equity | $6,136,000 | 5,215 |
| Average total loans | $46,706,000 | 4,657 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9170% | 3,510 |
| Cost of funding earning assets | 0.2477% | 4,589 |
| Net interest margin | 3.6693% | 2,820 |
| Noninterest income to average assets | 3.2326% | 180 |
| Noninterest expense to average assets | 3.3468% | 1,477 |
| Loan and lease loss provision to assets | 0.3736% | 440 |
| Net operating income to assets | 2.8336% | 93 |
| Return on assets (ROA) | 2.8336% | 97 |
| Pretax return on assets | 2.8745% | 126 |
| Return on Equity (ROE) | 37.6264% | 16 |
| Retained earnings to average equity (ytd only) | 21.7522% | 39 |
| Net charge-offs to loans | 0.4866% | 508 |
| Credit loss provision to net charge-offs | 117.7778% | 2,252 |
| Earnings coverage of net charge-offs (x) | 10.2400% | 2,661 |
| Efficiency ratio | 50.7482% | 5,452 |
| Assets per employee ($millions) | 4.5180% | 3,090 |
| Cash dividends to net income (ytd only)* | 42.1891% | 2,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 2,255 |
| Loan loss allowance to noncurrent loans | 12,800.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 5,390 |
| Noncurrent loans to loans | 0.0106% | 5,250 |
| Net loans and leases to total assets | 64.1268% | 3,344 |
| Net loans and leases to deposits | 72.2112% | 3,693 |
| Net loans and leases to core deposits | 72.2112% | 4,071 |
| Total domestic deposits to total assets | 88.8045% | 1,204 |
| Equity capital to assets | 8.3984% | 5,346 |
| Core capital (leverage) ratio | 8.4847% | 5,276 |
| Tier 1 risk-based capital ratio | 12.0939% | 4,664 |
| Total risk-based capital ratio | 13.3434% | 4,544 |
| Memoranda: | ||
| Average total assets | $70,933,400 | 4,916 |
| Average earning assets | $64,998,200 | 4,917 |
| Average equity | $5,342,000 | 5,401 |
| Average total loans | $46,240,200 | 4,683 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 3,468 |
| Cost of funding earning assets | 0.2470% | 4,628 |
| Net interest margin | 3.6902% | 2,753 |
| Noninterest income to average assets | 0.5760% | 2,786 |
| Noninterest expense to average assets | 3.2749% | 1,615 |
| Loan and lease loss provision to assets | 0.0680% | 2,859 |
| Net operating income to assets | 0.5949% | 4,314 |
| Return on assets (ROA) | 0.5949% | 4,424 |
| Pretax return on assets | 0.6195% | 4,827 |
| Return on Equity (ROE) | 8.1397% | 2,937 |
| Retained earnings to average equity (ytd only) | 1.3954% | 4,951 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6501% | 1,109 |
| Assets per employee ($millions) | 4.4959% | 3,092 |
| Cash dividends to net income (ytd only)* | 82.8567% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3632% | 2,372 |
| Loan loss allowance to noncurrent loans | 1,587.5000% | 383 |
| Noncurrent assets plus other real estate owned to assets | 0.0556% | 5,235 |
| Noncurrent loans to loans | 0.0859% | 5,002 |
| Net loans and leases to total assets | 63.8702% | 3,420 |
| Net loans and leases to deposits | 71.0761% | 3,880 |
| Net loans and leases to core deposits | 71.0761% | 4,243 |
| Total domestic deposits to total assets | 89.8617% | 528 |
| Equity capital to assets | 7.1787% | 5,874 |
| Core capital (leverage) ratio | 7.0113% | 5,880 |
| Tier 1 risk-based capital ratio | 10.0341% | 5,785 |
| Total risk-based capital ratio | 11.2856% | 5,731 |
| Memoranda: | ||
| Average total assets | $70,594,750 | 4,962 |
| Average earning assets | $64,783,000 | 4,967 |
| Average equity | $5,159,750 | 5,496 |
| Average total loans | $46,051,250 | 4,731 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9150% | 3,559 |
| Cost of funding earning assets | 0.2443% | 4,714 |
| Net interest margin | 3.6707% | 2,824 |
| Noninterest income to average assets | 0.5788% | 2,733 |
| Noninterest expense to average assets | 3.2731% | 1,643 |
| Loan and lease loss provision to assets | 0.0684% | 2,770 |
| Net operating income to assets | 0.5987% | 4,277 |
| Return on assets (ROA) | 0.5987% | 4,395 |
| Pretax return on assets | 0.6215% | 4,835 |
| Return on Equity (ROE) | 8.1422% | 2,917 |
| Retained earnings to average equity (ytd only) | 5.2730% | 2,567 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5899% | 1,203 |
| Assets per employee ($millions) | 4.4344% | 3,150 |
| Cash dividends to net income (ytd only)* | 35.2381% | 2,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3092% | 2,735 |
| Loan loss allowance to noncurrent loans | 1,485.7143% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0592% | 5,322 |
| Noncurrent loans to loans | 0.0881% | 5,099 |
| Net loans and leases to total assets | 66.2974% | 3,042 |
| Net loans and leases to deposits | 74.0394% | 3,591 |
| Net loans and leases to core deposits | 74.0394% | 3,979 |
| Total domestic deposits to total assets | 89.5433% | 658 |
| Equity capital to assets | 7.4531% | 5,921 |
| Core capital (leverage) ratio | 7.2524% | 5,918 |
| Tier 1 risk-based capital ratio | 10.1163% | 5,813 |
| Total risk-based capital ratio | 11.3423% | 5,763 |
| Memoranda: | ||
| Average total assets | $70,148,000 | 5,019 |
| Average earning assets | $64,674,330 | 5,014 |
| Average equity | $5,158,330 | 5,556 |
| Average total loans | $45,875,000 | 4,776 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 3,633 |
| Cost of funding earning assets | 0.2422% | 4,785 |
| Net interest margin | 3.6448% | 2,910 |
| Noninterest income to average assets | 0.5047% | 3,084 |
| Noninterest expense to average assets | 3.2116% | 1,816 |
| Loan and lease loss provision to assets | 0.0688% | 2,578 |
| Net operating income to assets | 0.5678% | 4,332 |
| Return on assets (ROA) | 0.5678% | 4,435 |
| Pretax return on assets | 0.5907% | 4,844 |
| Return on Equity (ROE) | 7.7746% | 3,046 |
| Retained earnings to average equity (ytd only) | 7.7746% | 1,554 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9630% | 1,263 |
| Assets per employee ($millions) | 4.3223% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 2,653 |
| Loan loss allowance to noncurrent loans | 1,530.0000% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0578% | 5,373 |
| Noncurrent loans to loans | 0.0883% | 5,120 |
| Net loans and leases to total assets | 64.6350% | 3,161 |
| Net loans and leases to deposits | 72.2455% | 3,626 |
| Net loans and leases to core deposits | 72.2455% | 4,050 |
| Total domestic deposits to total assets | 89.4658% | 854 |
| Equity capital to assets | 7.4816% | 5,950 |
| Core capital (leverage) ratio | 7.3595% | 5,952 |
| Tier 1 risk-based capital ratio | 10.4950% | 5,751 |
| Total risk-based capital ratio | 11.7453% | 5,666 |
| Memoranda: | ||
| Average total assets | $69,747,000 | 5,072 |
| Average earning assets | $64,420,500 | 5,066 |
| Average equity | $5,093,500 | 5,610 |
| Average total loans | $44,981,500 | 4,831 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8321% | 3,942 |
| Cost of funding earning assets | 0.2512% | 4,777 |
| Net interest margin | 3.5809% | 3,204 |
| Noninterest income to average assets | 0.5927% | 2,757 |
| Noninterest expense to average assets | 3.2468% | 1,844 |
| Loan and lease loss provision to assets | 0.0799% | 2,682 |
| Net operating income to assets | 0.4968% | 4,701 |
| Return on assets (ROA) | 0.4968% | 4,798 |
| Pretax return on assets | 0.5172% | 5,073 |
| Return on Equity (ROE) | 6.7594% | 3,645 |
| Retained earnings to average equity (ytd only) | 0.3953% | 5,353 |
| Net charge-offs to loans | -0.0023% | 4,889 |
| Credit loss provision to net charge-offs | -5,500.0000% | 5,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4671% | 1,137 |
| Assets per employee ($millions) | 4.3961% | 3,223 |
| Cash dividends to net income (ytd only)* | 94.1520% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 2,694 |
| Loan loss allowance to noncurrent loans | 370.3704% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2303% | 4,676 |
| Noncurrent loans to loans | 0.3628% | 4,150 |
| Net loans and leases to total assets | 62.6290% | 3,474 |
| Net loans and leases to deposits | 69.7091% | 3,957 |
| Net loans and leases to core deposits | 69.7091% | 4,313 |
| Total domestic deposits to total assets | 89.8433% | 699 |
| Equity capital to assets | 7.1270% | 6,037 |
| Core capital (leverage) ratio | 7.0595% | 6,046 |
| Tier 1 risk-based capital ratio | 10.5914% | 5,736 |
| Total risk-based capital ratio | 11.8400% | 5,658 |
| Memoranda: | ||
| Average total assets | $68,836,400 | 5,113 |
| Average earning assets | $62,498,800 | 5,114 |
| Average equity | $5,059,600 | 5,644 |
| Average total loans | $42,662,800 | 4,913 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8309% | 3,994 |
| Cost of funding earning assets | 0.2540% | 4,834 |
| Net interest margin | 3.5770% | 3,251 |
| Noninterest income to average assets | 0.6135% | 2,671 |
| Noninterest expense to average assets | 3.2290% | 1,889 |
| Loan and lease loss provision to assets | 0.0876% | 2,402 |
| Net operating income to assets | 0.5141% | 4,741 |
| Return on assets (ROA) | 0.5141% | 4,826 |
| Pretax return on assets | 0.5336% | 5,139 |
| Return on Equity (ROE) | 6.9409% | 3,655 |
| Retained earnings to average equity (ytd only) | 0.1315% | 5,567 |
| Net charge-offs to loans | -0.0095% | 4,972 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8644% | 1,190 |
| Assets per employee ($millions) | 4.1489% | 3,622 |
| Cash dividends to net income (ytd only)* | 98.1051% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3878% | 2,663 |
| Loan loss allowance to noncurrent loans | 1,259.5745% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.6437% | 3,334 |
| Noncurrent loans to loans | 0.1102% | 5,190 |
| Net loans and leases to total assets | 59.6390% | 3,925 |
| Net loans and leases to deposits | 66.5433% | 4,332 |
| Net loans and leases to core deposits | 66.5433% | 4,650 |
| Total domestic deposits to total assets | 89.6244% | 720 |
| Equity capital to assets | 7.1699% | 6,123 |
| Core capital (leverage) ratio | 7.1799% | 6,106 |
| Tier 1 risk-based capital ratio | 10.9041% | 5,704 |
| Total risk-based capital ratio | 12.1542% | 5,623 |
| Memoranda: | ||
| Average total assets | $68,461,000 | 5,184 |
| Average earning assets | $61,950,500 | 5,193 |
| Average equity | $5,071,250 | 5,705 |
| Average total loans | $42,165,500 | 4,988 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 3,609 |
| Cost of funding earning assets | 0.2588% | 4,849 |
| Net interest margin | 3.6623% | 2,868 |
| Noninterest income to average assets | 0.6168% | 2,644 |
| Noninterest expense to average assets | 3.2698% | 1,790 |
| Loan and lease loss provision to assets | 0.0885% | 2,334 |
| Net operating income to assets | 0.5371% | 4,623 |
| Return on assets (ROA) | 0.5371% | 4,731 |
| Pretax return on assets | 0.5578% | 5,084 |
| Return on Equity (ROE) | 7.1710% | 3,511 |
| Retained earnings to average equity (ytd only) | 0.9456% | 5,194 |
| Net charge-offs to loans | -0.0143% | 5,042 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4966% | 1,315 |
| Assets per employee ($millions) | 4.2888% | 3,325 |
| Cash dividends to net income (ytd only)* | 86.8132% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3526% | 2,973 |
| Loan loss allowance to noncurrent loans | 1,341.8605% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.6558% | 3,439 |
| Noncurrent loans to loans | 0.1008% | 5,340 |
| Net loans and leases to total assets | 61.3261% | 3,647 |
| Net loans and leases to deposits | 68.6280% | 4,072 |
| Net loans and leases to core deposits | 68.6280% | 4,446 |
| Total domestic deposits to total assets | 89.3602% | 968 |
| Equity capital to assets | 7.3273% | 6,141 |
| Core capital (leverage) ratio | 7.4741% | 6,106 |
| Tier 1 risk-based capital ratio | 11.1576% | 5,639 |
| Total risk-based capital ratio | 12.4077% | 5,558 |
| Memoranda: | ||
| Average total assets | $67,771,000 | 5,258 |
| Average earning assets | $61,054,670 | 5,277 |
| Average equity | $5,076,000 | 5,765 |
| Average total loans | $42,002,000 | 5,031 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9739% | 3,321 |
| Cost of funding earning assets | 0.2636% | 4,867 |
| Net interest margin | 3.7103% | 2,584 |
| Noninterest income to average assets | 0.5999% | 2,654 |
| Noninterest expense to average assets | 3.1538% | 2,113 |
| Loan and lease loss provision to assets | 0.0891% | 2,206 |
| Net operating income to assets | 0.6712% | 3,946 |
| Return on assets (ROA) | 0.6712% | 4,066 |
| Pretax return on assets | 0.7009% | 4,587 |
| Return on Equity (ROE) | 8.8627% | 2,514 |
| Retained earnings to average equity (ytd only) | 5.0980% | 3,004 |
| Net charge-offs to loans | -0.0288% | 5,222 |
| Credit loss provision to net charge-offs | -500.0000% | 4,817 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9699% | 1,900 |
| Assets per employee ($millions) | 4.2536% | 3,457 |
| Cash dividends to net income (ytd only)* | 42.4779% | 1,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 3,243 |
| Loan loss allowance to noncurrent loans | 1,221.7391% | 455 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 3,488 |
| Noncurrent loans to loans | 0.1088% | 5,371 |
| Net loans and leases to total assets | 61.2771% | 3,485 |
| Net loans and leases to deposits | 68.7878% | 3,884 |
| Net loans and leases to core deposits | 68.7878% | 4,260 |
| Total domestic deposits to total assets | 89.0814% | 1,214 |
| Equity capital to assets | 7.5553% | 6,162 |
| Core capital (leverage) ratio | 7.5586% | 6,123 |
| Tier 1 risk-based capital ratio | 11.2213% | 5,702 |
| Total risk-based capital ratio | 12.4684% | 5,621 |
| Memoranda: | ||
| Average total assets | $67,346,500 | 5,322 |
| Average earning assets | $60,695,500 | 5,339 |
| Average equity | $5,100,000 | 5,811 |
| Average total loans | $41,673,500 | 5,079 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1183% | 3,255 |
| Cost of funding earning assets | 0.3257% | 4,532 |
| Net interest margin | 3.7927% | 2,651 |
| Noninterest income to average assets | 0.6159% | 2,763 |
| Noninterest expense to average assets | 3.2572% | 2,050 |
| Loan and lease loss provision to assets | 0.0897% | 2,675 |
| Net operating income to assets | 0.6383% | 4,198 |
| Return on assets (ROA) | 0.6383% | 4,300 |
| Pretax return on assets | 0.6637% | 4,746 |
| Return on Equity (ROE) | 8.4324% | 2,889 |
| Retained earnings to average equity (ytd only) | 0.5727% | 5,512 |
| Net charge-offs to loans | 0.1094% | 2,953 |
| Credit loss provision to net charge-offs | 127.6596% | 1,874 |
| Earnings coverage of net charge-offs (x) | 10.7234% | 2,589 |
| Efficiency ratio | 81.2151% | 1,747 |
| Assets per employee ($millions) | 4.1647% | 3,606 |
| Cash dividends to net income (ytd only)* | 93.2084% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 3,299 |
| Loan loss allowance to noncurrent loans | 1,208.8889% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.6783% | 3,542 |
| Noncurrent loans to loans | 0.1095% | 5,456 |
| Net loans and leases to total assets | 60.8344% | 3,664 |
| Net loans and leases to deposits | 68.5604% | 4,070 |
| Net loans and leases to core deposits | 68.5604% | 4,446 |
| Total domestic deposits to total assets | 88.7311% | 1,401 |
| Equity capital to assets | 7.5906% | 6,210 |
| Core capital (leverage) ratio | 7.3803% | 6,241 |
| Tier 1 risk-based capital ratio | 11.4220% | 5,701 |
| Total risk-based capital ratio | 12.6664% | 5,628 |
| Memoranda: | ||
| Average total assets | $66,898,800 | 5,373 |
| Average earning assets | $59,878,400 | 5,395 |
| Average equity | $5,063,800 | 5,841 |
| Average total loans | $42,954,000 | 5,071 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 3,145 |
| Cost of funding earning assets | 0.3451% | 4,392 |
| Net interest margin | 3.8114% | 2,570 |
| Noninterest income to average assets | 0.6172% | 2,764 |
| Noninterest expense to average assets | 3.2514% | 2,028 |
| Loan and lease loss provision to assets | 0.0896% | 2,563 |
| Net operating income to assets | 0.6590% | 4,166 |
| Return on assets (ROA) | 0.6590% | 4,270 |
| Pretax return on assets | 0.6849% | 4,749 |
| Return on Equity (ROE) | 8.7127% | 2,832 |
| Retained earnings to average equity (ytd only) | 2.0268% | 5,037 |
| Net charge-offs to loans | 0.1290% | 2,504 |
| Credit loss provision to net charge-offs | 107.1429% | 2,076 |
| Earnings coverage of net charge-offs (x) | 9.2616% | 2,693 |
| Efficiency ratio | 80.7616% | 1,799 |
| Assets per employee ($millions) | 4.2383% | 3,406 |
| Cash dividends to net income (ytd only)* | 76.7380% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 3,788 |
| Loan loss allowance to noncurrent loans | 847.6190% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.6931% | 3,741 |
| Noncurrent loans to loans | 0.1502% | 5,465 |
| Net loans and leases to total assets | 61.0556% | 3,618 |
| Net loans and leases to deposits | 68.6480% | 4,060 |
| Net loans and leases to core deposits | 68.6480% | 4,446 |
| Total domestic deposits to total assets | 88.9400% | 1,273 |
| Equity capital to assets | 7.4662% | 6,314 |
| Core capital (leverage) ratio | 7.4289% | 6,303 |
| Tier 1 risk-based capital ratio | 11.3562% | 5,859 |
| Total risk-based capital ratio | 12.5591% | 5,813 |
| Memoranda: | ||
| Average total assets | $66,964,750 | 5,429 |
| Average earning assets | $59,889,250 | 5,460 |
| Average equity | $5,065,250 | 5,899 |
| Average total loans | $43,422,250 | 5,113 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 2,651 |
| Cost of funding earning assets | 0.3807% | 4,099 |
| Net interest margin | 3.9014% | 2,160 |
| Noninterest income to average assets | 0.6119% | 2,756 |
| Noninterest expense to average assets | 3.2812% | 1,966 |
| Loan and lease loss provision to assets | 0.0900% | 2,526 |
| Net operating income to assets | 0.6868% | 3,913 |
| Return on assets (ROA) | 0.6868% | 4,006 |
| Pretax return on assets | 0.7138% | 4,594 |
| Return on Equity (ROE) | 9.0407% | 2,573 |
| Retained earnings to average equity (ytd only) | 6.3956% | 2,093 |
| Net charge-offs to loans | -0.0046% | 5,159 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3231% | 1,978 |
| Assets per employee ($millions) | 3.7959% | 4,264 |
| Cash dividends to net income (ytd only)* | 29.2576% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3171% | 3,765 |
| Loan loss allowance to noncurrent loans | 181.8770% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 1.1095% | 2,855 |
| Noncurrent loans to loans | 0.7242% | 3,886 |
| Net loans and leases to total assets | 65.2508% | 2,874 |
| Net loans and leases to deposits | 73.9719% | 3,319 |
| Net loans and leases to core deposits | 73.9719% | 3,845 |
| Total domestic deposits to total assets | 88.2103% | 1,785 |
| Equity capital to assets | 7.9946% | 6,158 |
| Core capital (leverage) ratio | 7.7665% | 6,226 |
| Tier 1 risk-based capital ratio | 11.3626% | 5,873 |
| Total risk-based capital ratio | 12.6083% | 5,821 |
| Memoranda: | ||
| Average total assets | $66,682,330 | 5,482 |
| Average earning assets | $59,363,000 | 5,522 |
| Average equity | $5,066,000 | 5,942 |
| Average total loans | $43,917,330 | 5,129 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0992% | 3,288 |
| Cost of funding earning assets | 0.3967% | 4,013 |
| Net interest margin | 3.7025% | 2,858 |
| Noninterest income to average assets | 0.5372% | 3,132 |
| Noninterest expense to average assets | 3.1937% | 2,259 |
| Loan and lease loss provision to assets | 0.0826% | 2,515 |
| Net operating income to assets | 0.5431% | 4,487 |
| Return on assets (ROA) | 0.5431% | 4,559 |
| Pretax return on assets | 0.5667% | 4,950 |
| Return on Equity (ROE) | 7.3314% | 3,298 |
| Retained earnings to average equity (ytd only) | 7.3314% | 1,893 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1029% | 1,782 |
| Assets per employee ($millions) | 3.9138% | 4,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 4,653 |
| Loan loss allowance to noncurrent loans | 356.2092% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8326% | 3,643 |
| Noncurrent loans to loans | 0.3355% | 5,107 |
| Net loans and leases to total assets | 67.7177% | 2,266 |
| Net loans and leases to deposits | 79.7099% | 2,337 |
| Net loans and leases to core deposits | 79.7099% | 3,004 |
| Total domestic deposits to total assets | 84.9553% | 3,890 |
| Equity capital to assets | 7.6261% | 6,263 |
| Core capital (leverage) ratio | 7.5752% | 6,311 |
| Tier 1 risk-based capital ratio | 10.8357% | 6,225 |
| Total risk-based capital ratio | 12.0034% | 6,220 |
| Memoranda: | ||
| Average total assets | $67,758,000 | 5,513 |
| Average earning assets | $60,500,000 | 5,551 |
| Average equity | $5,019,500 | 5,990 |
| Average total loans | $44,541,500 | 5,141 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0262% | 3,999 |
| Cost of funding earning assets | 0.4808% | 3,808 |
| Net interest margin | 3.5454% | 3,708 |
| Noninterest income to average assets | 0.6009% | 3,095 |
| Noninterest expense to average assets | 3.1671% | 2,525 |
| Loan and lease loss provision to assets | 0.0873% | 3,358 |
| Net operating income to assets | 0.5032% | 4,722 |
| Return on assets (ROA) | 0.5032% | 4,851 |
| Pretax return on assets | 0.5224% | 5,135 |
| Return on Equity (ROE) | 6.7458% | 3,700 |
| Retained earnings to average equity (ytd only) | 2.2618% | 4,638 |
| Net charge-offs to loans | 0.1425% | 3,378 |
| Credit loss provision to net charge-offs | 96.7213% | 2,584 |
| Earnings coverage of net charge-offs (x) | 6.7541% | 2,992 |
| Efficiency ratio | 83.8558% | 1,642 |
| Assets per employee ($millions) | 4.0577% | 3,748 |
| Cash dividends to net income (ytd only)* | 66.4706% | 1,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2212% | 4,536 |
| Loan loss allowance to noncurrent loans | 342.5806% | 1,321 |
| Noncurrent assets plus other real estate owned to assets | 0.8060% | 3,868 |
| Noncurrent loans to loans | 0.3565% | 5,120 |
| Net loans and leases to total assets | 62.2650% | 3,322 |
| Net loans and leases to deposits | 72.7342% | 3,425 |
| Net loans and leases to core deposits | 72.7342% | 3,985 |
| Total domestic deposits to total assets | 85.6062% | 3,454 |
| Equity capital to assets | 7.1976% | 6,402 |
| Core capital (leverage) ratio | 7.2594% | 6,457 |
| Tier 1 risk-based capital ratio | 11.0392% | 6,154 |
| Total risk-based capital ratio | 12.2201% | 6,137 |
| Memoranda: | ||
| Average total assets | $67,570,600 | 5,550 |
| Average earning assets | $60,528,400 | 5,576 |
| Average equity | $5,040,200 | 6,053 |
| Average total loans | $42,820,000 | 5,240 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 3,967 |
| Cost of funding earning assets | 0.4980% | 3,786 |
| Net interest margin | 3.5435% | 3,692 |
| Noninterest income to average assets | 0.5891% | 3,227 |
| Noninterest expense to average assets | 3.1657% | 2,460 |
| Loan and lease loss provision to assets | 0.0893% | 3,275 |
| Net operating income to assets | 0.4879% | 4,848 |
| Return on assets (ROA) | 0.4879% | 5,005 |
| Pretax return on assets | 0.5098% | 5,328 |
| Return on Equity (ROE) | 6.4833% | 3,941 |
| Retained earnings to average equity (ytd only) | 6.4833% | 2,144 |
| Net charge-offs to loans | 0.1844% | 2,752 |
| Credit loss provision to net charge-offs | 76.2712% | 2,941 |
| Earnings coverage of net charge-offs (x) | 5.1190% | 3,278 |
| Efficiency ratio | 84.0885% | 1,584 |
| Assets per employee ($millions) | 4.0378% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 4,641 |
| Loan loss allowance to noncurrent loans | 362.9371% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.7925% | 4,122 |
| Noncurrent loans to loans | 0.3445% | 5,354 |
| Net loans and leases to total assets | 59.7133% | 3,741 |
| Net loans and leases to deposits | 70.1182% | 3,770 |
| Net loans and leases to core deposits | 70.1182% | 4,307 |
| Total domestic deposits to total assets | 85.1609% | 3,654 |
| Equity capital to assets | 7.4239% | 6,419 |
| Core capital (leverage) ratio | 7.3958% | 6,483 |
| Tier 1 risk-based capital ratio | 11.9411% | 5,811 |
| Total risk-based capital ratio | 13.1573% | 5,778 |
| Memoranda: | ||
| Average total assets | $67,218,000 | 5,618 |
| Average earning assets | $60,240,000 | 5,642 |
| Average equity | $5,059,000 | 6,122 |
| Average total loans | $42,654,500 | 5,291 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 3,590 |
| Cost of funding earning assets | 0.5194% | 3,706 |
| Net interest margin | 3.6190% | 3,288 |
| Noninterest income to average assets | 0.6173% | 3,088 |
| Noninterest expense to average assets | 3.1554% | 2,497 |
| Loan and lease loss provision to assets | 0.0899% | 3,287 |
| Net operating income to assets | 0.5843% | 4,377 |
| Return on assets (ROA) | 0.5843% | 4,557 |
| Pretax return on assets | 0.6083% | 4,986 |
| Return on Equity (ROE) | 7.7279% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.7279% | 1,585 |
| Net charge-offs to loans | 0.2695% | 2,131 |
| Credit loss provision to net charge-offs | 51.7241% | 3,179 |
| Earnings coverage of net charge-offs (x) | 4.0172% | 3,236 |
| Efficiency ratio | 81.8818% | 1,902 |
| Assets per employee ($millions) | 4.0434% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 5,041 |
| Loan loss allowance to noncurrent loans | 413.9344% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.7478% | 4,341 |
| Noncurrent loans to loans | 0.2873% | 5,584 |
| Net loans and leases to total assets | 61.0492% | 3,472 |
| Net loans and leases to deposits | 71.9128% | 3,459 |
| Net loans and leases to core deposits | 71.9128% | 4,052 |
| Total domestic deposits to total assets | 84.8934% | 3,946 |
| Equity capital to assets | 7.4457% | 6,465 |
| Core capital (leverage) ratio | 7.6425% | 6,395 |
| Tier 1 risk-based capital ratio | 11.5964% | 6,058 |
| Total risk-based capital ratio | 12.7572% | 6,071 |
| Memoranda: | ||
| Average total assets | $66,743,000 | 5,664 |
| Average earning assets | $59,685,330 | 5,704 |
| Average equity | $5,046,670 | 6,169 |
| Average total loans | $43,036,670 | 5,301 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1741% | 3,408 |
| Cost of funding earning assets | 0.5525% | 3,552 |
| Net interest margin | 3.6216% | 3,178 |
| Noninterest income to average assets | 0.6023% | 3,127 |
| Noninterest expense to average assets | 3.1029% | 2,663 |
| Loan and lease loss provision to assets | 0.0913% | 3,137 |
| Net operating income to assets | 0.6145% | 4,144 |
| Return on assets (ROA) | 0.6145% | 4,304 |
| Pretax return on assets | 0.6388% | 4,810 |
| Return on Equity (ROE) | 8.0623% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.0623% | 1,733 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,189 |
| Assets per employee ($millions) | 3.9776% | 4,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2628% | 4,880 |
| Loan loss allowance to noncurrent loans | 311.3636% | 1,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8925% | 4,157 |
| Noncurrent loans to loans | 0.4056% | 5,406 |
| Net loans and leases to total assets | 67.3245% | 2,136 |
| Net loans and leases to deposits | 80.0860% | 2,058 |
| Net loans and leases to core deposits | 80.0860% | 2,797 |
| Total domestic deposits to total assets | 84.0653% | 4,446 |
| Equity capital to assets | 7.9477% | 6,408 |
| Core capital (leverage) ratio | 7.6015% | 6,423 |
| Tier 1 risk-based capital ratio | 11.3803% | 6,244 |
| Total risk-based capital ratio | 12.6284% | 6,221 |
| Memoranda: | ||
| Average total assets | $65,745,500 | 5,747 |
| Average earning assets | $58,647,500 | 5,785 |
| Average equity | $5,011,000 | 6,241 |
| Average total loans | $43,320,500 | 5,326 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 3,191 |
| Cost of funding earning assets | 0.7029% | 3,470 |
| Net interest margin | 3.8517% | 3,019 |
| Noninterest income to average assets | 0.6943% | 2,750 |
| Noninterest expense to average assets | 3.1986% | 2,619 |
| Loan and lease loss provision to assets | 0.0910% | 4,547 |
| Net operating income to assets | 0.8065% | 3,253 |
| Return on assets (ROA) | 0.8065% | 3,504 |
| Pretax return on assets | 0.8353% | 4,165 |
| Return on Equity (ROE) | 10.8139% | 1,869 |
| Retained earnings to average equity (ytd only) | 4.5735% | 3,006 |
| Net charge-offs to loans | 0.0187% | 5,654 |
| Credit loss provision to net charge-offs | 750.0000% | 327 |
| Earnings coverage of net charge-offs (x) | 76.3750% | 497 |
| Efficiency ratio | 77.5450% | 2,517 |
| Assets per employee ($millions) | 4.2406% | 3,477 |
| Cash dividends to net income (ytd only)* | 57.7068% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 4,968 |
| Loan loss allowance to noncurrent loans | 112.4473% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 1.2763% | 3,520 |
| Noncurrent loans to loans | 1.0960% | 4,017 |
| Net loans and leases to total assets | 62.9536% | 3,064 |
| Net loans and leases to deposits | 75.2166% | 2,921 |
| Net loans and leases to core deposits | 75.2166% | 3,630 |
| Total domestic deposits to total assets | 83.6964% | 4,450 |
| Equity capital to assets | 7.3161% | 6,691 |
| Core capital (leverage) ratio | 7.3073% | 6,581 |
| Tier 1 risk-based capital ratio | 11.2542% | 6,244 |
| Total risk-based capital ratio | 12.4910% | 6,216 |
| Memoranda: | ||
| Average total assets | $65,966,000 | 5,742 |
| Average earning assets | $58,753,200 | 5,789 |
| Average equity | $4,919,600 | 6,320 |
| Average total loans | $42,844,000 | 5,390 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5840% | 3,271 |
| Cost of funding earning assets | 0.7256% | 3,552 |
| Net interest margin | 3.8584% | 3,084 |
| Noninterest income to average assets | 0.7105% | 2,656 |
| Noninterest expense to average assets | 3.1269% | 2,803 |
| Loan and lease loss provision to assets | 0.0916% | 4,451 |
| Net operating income to assets | 0.9039% | 2,969 |
| Return on assets (ROA) | 0.9039% | 3,195 |
| Pretax return on assets | 0.9344% | 3,981 |
| Return on Equity (ROE) | 12.0605% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.2727% | 641 |
| Net charge-offs to loans | -0.0374% | 6,633 |
| Credit loss provision to net charge-offs | -375.0000% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2941% | 2,779 |
| Assets per employee ($millions) | 4.1145% | 3,656 |
| Cash dividends to net income (ytd only)* | 6.5322% | 3,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 5,080 |
| Loan loss allowance to noncurrent loans | 103.4615% | 3,138 |
| Noncurrent assets plus other real estate owned to assets | 1.3626% | 3,573 |
| Noncurrent loans to loans | 1.2015% | 4,046 |
| Net loans and leases to total assets | 64.9274% | 2,856 |
| Net loans and leases to deposits | 78.5255% | 2,597 |
| Net loans and leases to core deposits | 78.5255% | 3,388 |
| Total domestic deposits to total assets | 82.6832% | 4,760 |
| Equity capital to assets | 7.8032% | 6,674 |
| Core capital (leverage) ratio | 7.5940% | 6,568 |
| Tier 1 risk-based capital ratio | 13.6473% | 4,785 |
| Total risk-based capital ratio | 14.8986% | 4,742 |
| Memoranda: | ||
| Average total assets | $65,495,000 | 5,829 |
| Average earning assets | $58,434,250 | 5,862 |
| Average equity | $4,908,500 | 6,386 |
| Average total loans | $42,743,250 | 5,456 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6530% | 3,131 |
| Cost of funding earning assets | 0.7428% | 3,663 |
| Net interest margin | 3.9102% | 2,865 |
| Noninterest income to average assets | 0.6638% | 2,876 |
| Noninterest expense to average assets | 3.1232% | 2,841 |
| Loan and lease loss provision to assets | 0.0918% | 4,420 |
| Net operating income to assets | 0.8993% | 2,913 |
| Return on assets (ROA) | 0.8993% | 3,181 |
| Pretax return on assets | 0.9269% | 3,977 |
| Return on Equity (ROE) | 12.1680% | 1,617 |
| Retained earnings to average equity (ytd only) | 11.5886% | 649 |
| Net charge-offs to loans | -0.0564% | 6,695 |
| Credit loss provision to net charge-offs | -250.0000% | 6,182 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4062% | 2,838 |
| Assets per employee ($millions) | 4.2348% | 3,391 |
| Cash dividends to net income (ytd only)* | 4.7619% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1677% | 5,491 |
| Loan loss allowance to noncurrent loans | 94.2342% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.3711% | 3,693 |
| Noncurrent loans to loans | 1.2392% | 4,071 |
| Net loans and leases to total assets | 65.3290% | 2,800 |
| Net loans and leases to deposits | 79.8114% | 2,409 |
| Net loans and leases to core deposits | 79.8114% | 3,245 |
| Total domestic deposits to total assets | 81.8543% | 5,187 |
| Equity capital to assets | 7.3498% | 6,836 |
| Core capital (leverage) ratio | 7.5067% | 6,627 |
| Tier 1 risk-based capital ratio | 12.8239% | 5,320 |
| Total risk-based capital ratio | 14.0739% | 5,293 |
| Memoranda: | ||
| Average total assets | $65,382,670 | 5,869 |
| Average earning assets | $58,156,000 | 5,903 |
| Average equity | $4,832,330 | 6,438 |
| Average total loans | $42,564,000 | 5,490 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6478% | 3,277 |
| Cost of funding earning assets | 0.7467% | 3,889 |
| Net interest margin | 3.9010% | 2,915 |
| Noninterest income to average assets | 0.6169% | 3,121 |
| Noninterest expense to average assets | 3.1030% | 2,906 |
| Loan and lease loss provision to assets | 0.0935% | 4,178 |
| Net operating income to assets | 0.8661% | 3,071 |
| Return on assets (ROA) | 0.8661% | 3,301 |
| Pretax return on assets | 0.9035% | 4,015 |
| Return on Equity (ROE) | 11.6844% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.5075% | 1,159 |
| Net charge-offs to loans | -0.1158% | 6,839 |
| Credit loss provision to net charge-offs | -125.0000% | 5,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6839% | 2,827 |
| Assets per employee ($millions) | 4.1166% | 3,759 |
| Cash dividends to net income (ytd only)* | 10.0719% | 2,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 5,539 |
| Loan loss allowance to noncurrent loans | 91.3669% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 1.5061% | 3,597 |
| Noncurrent loans to loans | 1.3023% | 4,167 |
| Net loans and leases to total assets | 64.0497% | 2,841 |
| Net loans and leases to deposits | 78.5488% | 2,410 |
| Net loans and leases to core deposits | 78.5488% | 3,252 |
| Total domestic deposits to total assets | 81.5413% | 5,450 |
| Equity capital to assets | 7.3194% | 6,843 |
| Core capital (leverage) ratio | 7.6457% | 6,535 |
| Tier 1 risk-based capital ratio | 12.9186% | 5,269 |
| Total risk-based capital ratio | 14.1699% | 5,244 |
| Memoranda: | ||
| Average total assets | $64,195,500 | 5,953 |
| Average earning assets | $57,318,000 | 5,962 |
| Average equity | $4,758,500 | 6,497 |
| Average total loans | $41,452,000 | 5,571 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8953% | 3,381 |
| Cost of funding earning assets | 0.8953% | 4,156 |
| Net interest margin | 3.9999% | 2,873 |
| Noninterest income to average assets | 0.6164% | 3,080 |
| Noninterest expense to average assets | 3.2002% | 2,870 |
| Loan and lease loss provision to assets | 0.1133% | 5,175 |
| Net operating income to assets | 0.8106% | 2,991 |
| Return on assets (ROA) | 0.8106% | 3,164 |
| Pretax return on assets | 0.8591% | 3,747 |
| Return on Equity (ROE) | 11.0309% | 1,689 |
| Retained earnings to average equity (ytd only) | 6.2750% | 1,864 |
| Net charge-offs to loans | 0.4988% | 2,997 |
| Credit loss provision to net charge-offs | 34.4828% | 5,719 |
| Earnings coverage of net charge-offs (x) | 2.9606% | 3,724 |
| Efficiency ratio | 76.6964% | 2,792 |
| Assets per employee ($millions) | 3.9078% | 4,056 |
| Cash dividends to net income (ytd only)* | 43.1138% | 2,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1962% | 5,409 |
| Loan loss allowance to noncurrent loans | 233.4951% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 1.0268% | 4,555 |
| Noncurrent loans to loans | 0.5123% | 5,686 |
| Net loans and leases to total assets | 63.5394% | 3,283 |
| Net loans and leases to deposits | 75.8892% | 3,190 |
| Net loans and leases to core deposits | 75.8892% | 3,996 |
| Total domestic deposits to total assets | 83.7265% | 4,440 |
| Equity capital to assets | 7.5106% | 6,808 |
| Core capital (leverage) ratio | 7.3834% | 6,707 |
| Tier 1 risk-based capital ratio | 13.2919% | 4,842 |
| Total risk-based capital ratio | 14.5424% | 4,826 |
| Memoranda: | ||
| Average total assets | $61,808,800 | 5,987 |
| Average earning assets | $54,951,000 | 6,020 |
| Average equity | $4,541,800 | 6,579 |
| Average total loans | $40,695,400 | 5,663 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 3,321 |
| Cost of funding earning assets | 0.9236% | 4,244 |
| Net interest margin | 4.0275% | 2,791 |
| Noninterest income to average assets | 0.6101% | 3,104 |
| Noninterest expense to average assets | 3.2062% | 2,812 |
| Loan and lease loss provision to assets | 0.0974% | 5,239 |
| Net operating income to assets | 0.8567% | 2,917 |
| Return on assets (ROA) | 0.8567% | 3,066 |
| Pretax return on assets | 0.8913% | 3,805 |
| Return on Equity (ROE) | 11.7246% | 1,612 |
| Retained earnings to average equity (ytd only) | 9.2968% | 1,042 |
| Net charge-offs to loans | 0.0686% | 5,273 |
| Credit loss provision to net charge-offs | 214.2857% | 1,345 |
| Earnings coverage of net charge-offs (x) | 21.7614% | 1,173 |
| Efficiency ratio | 76.4312% | 2,780 |
| Assets per employee ($millions) | 3.9099% | 4,049 |
| Cash dividends to net income (ytd only)* | 20.7068% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 3,785 |
| Loan loss allowance to noncurrent loans | 130.4703% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 1.4786% | 3,902 |
| Noncurrent loans to loans | 1.2059% | 4,527 |
| Net loans and leases to total assets | 63.8000% | 3,349 |
| Net loans and leases to deposits | 76.2786% | 3,286 |
| Net loans and leases to core deposits | 76.9032% | 4,070 |
| Total domestic deposits to total assets | 83.6408% | 4,410 |
| Equity capital to assets | 7.4859% | 6,934 |
| Core capital (leverage) ratio | 7.5432% | 6,742 |
| Tier 1 risk-based capital ratio | 13.3129% | 4,873 |
| Total risk-based capital ratio | 14.5690% | 4,842 |
| Memoranda: | ||
| Average total assets | $61,629,750 | 6,044 |
| Average earning assets | $54,855,500 | 6,071 |
| Average equity | $4,503,250 | 6,637 |
| Average total loans | $40,817,000 | 5,707 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9884% | 3,210 |
| Cost of funding earning assets | 0.9721% | 4,156 |
| Net interest margin | 4.0163% | 2,766 |
| Noninterest income to average assets | 0.5479% | 3,486 |
| Noninterest expense to average assets | 3.1768% | 2,983 |
| Loan and lease loss provision to assets | 0.0978% | 5,098 |
| Net operating income to assets | 0.8219% | 2,970 |
| Return on assets (ROA) | 0.8219% | 3,088 |
| Pretax return on assets | 0.8578% | 3,800 |
| Return on Equity (ROE) | 11.3428% | 1,686 |
| Retained earnings to average equity (ytd only) | 8.3271% | 1,331 |
| Net charge-offs to loans | 0.1027% | 4,661 |
| Credit loss provision to net charge-offs | 142.8571% | 2,134 |
| Earnings coverage of net charge-offs (x) | 13.9524% | 1,508 |
| Efficiency ratio | 76.8745% | 2,879 |
| Assets per employee ($millions) | 3.8348% | 4,116 |
| Cash dividends to net income (ytd only)* | 26.5873% | 2,602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 3,957 |
| Loan loss allowance to noncurrent loans | 100.4839% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 1.7211% | 3,616 |
| Noncurrent loans to loans | 1.5289% | 4,129 |
| Net loans and leases to total assets | 65.0792% | 3,240 |
| Net loans and leases to deposits | 77.7544% | 3,167 |
| Net loans and leases to core deposits | 78.4033% | 4,007 |
| Total domestic deposits to total assets | 83.6984% | 4,476 |
| Equity capital to assets | 7.4337% | 6,977 |
| Core capital (leverage) ratio | 7.4846% | 6,752 |
| Tier 1 risk-based capital ratio | 12.9032% | 4,996 |
| Total risk-based capital ratio | 14.1582% | 4,968 |
| Memoranda: | ||
| Average total assets | $61,320,330 | 6,097 |
| Average earning assets | $54,727,330 | 6,122 |
| Average equity | $4,443,330 | 6,701 |
| Average total loans | $40,906,000 | 5,761 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9932% | 3,132 |
| Cost of funding earning assets | 1.0278% | 4,003 |
| Net interest margin | 3.9654% | 2,846 |
| Noninterest income to average assets | 0.5351% | 3,617 |
| Noninterest expense to average assets | 3.2495% | 2,706 |
| Loan and lease loss provision to assets | 0.0979% | 4,783 |
| Net operating income to assets | 0.7047% | 3,500 |
| Return on assets (ROA) | 0.7047% | 3,569 |
| Pretax return on assets | 0.7373% | 4,157 |
| Return on Equity (ROE) | 9.8529% | 2,152 |
| Retained earnings to average equity (ytd only) | 3.7404% | 3,927 |
| Net charge-offs to loans | 0.0097% | 4,965 |
| Credit loss provision to net charge-offs | 1,500.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 248 |
| Efficiency ratio | 79.5527% | 2,614 |
| Assets per employee ($millions) | 3.8136% | 4,274 |
| Cash dividends to net income (ytd only)* | 62.0370% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 4,028 |
| Loan loss allowance to noncurrent loans | 174.4444% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 1.3045% | 4,358 |
| Noncurrent loans to loans | 0.8797% | 5,289 |
| Net loans and leases to total assets | 66.0346% | 2,999 |
| Net loans and leases to deposits | 79.3747% | 2,832 |
| Net loans and leases to core deposits | 80.7588% | 3,635 |
| Total domestic deposits to total assets | 83.1935% | 4,855 |
| Equity capital to assets | 7.2077% | 7,008 |
| Core capital (leverage) ratio | 7.1042% | 6,957 |
| Tier 1 risk-based capital ratio | 12.4093% | 5,344 |
| Total risk-based capital ratio | 13.6644% | 5,323 |
| Memoranda: | ||
| Average total assets | $61,302,500 | 6,145 |
| Average earning assets | $54,875,000 | 6,173 |
| Average equity | $4,384,500 | 6,755 |
| Average total loans | $41,082,500 | 5,807 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6755% | 1,660 |
| Cost of funding earning assets | 1.3616% | 3,505 |
| Net interest margin | 4.3139% | 1,776 |
| Noninterest income to average assets | 1.3681% | 781 |
| Noninterest expense to average assets | 3.5996% | 1,925 |
| Loan and lease loss provision to assets | 0.3186% | 4,262 |
| Net operating income to assets | 1.1401% | 1,577 |
| Return on assets (ROA) | 1.1401% | 1,659 |
| Pretax return on assets | 1.1736% | 2,321 |
| Return on Equity (ROE) | 16.5177% | 526 |
| Retained earnings to average equity (ytd only) | 10.3478% | 459 |
| Net charge-offs to loans | 0.2966% | 4,535 |
| Credit loss provision to net charge-offs | 146.1538% | 2,519 |
| Earnings coverage of net charge-offs (x) | 6.8462% | 2,257 |
| Efficiency ratio | 70.6948% | 4,037 |
| Assets per employee ($millions) | 4.1058% | 3,565 |
| Cash dividends to net income (ytd only)* | 37.3529% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 4,068 |
| Loan loss allowance to noncurrent loans | 147.5962% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 1.3834% | 4,272 |
| Noncurrent loans to loans | 1.0086% | 5,047 |
| Net loans and leases to total assets | 65.9717% | 3,473 |
| Net loans and leases to deposits | 79.9048% | 3,192 |
| Net loans and leases to core deposits | 81.2958% | 4,008 |
| Total domestic deposits to total assets | 82.5629% | 4,989 |
| Equity capital to assets | 7.0973% | 7,079 |
| Core capital (leverage) ratio | 7.0428% | 7,007 |
| Tier 1 risk-based capital ratio | 12.2108% | 5,287 |
| Total risk-based capital ratio | 13.4660% | 5,250 |
| Memoranda: | ||
| Average total assets | $59,645,000 | 6,217 |
| Average earning assets | $51,484,600 | 6,311 |
| Average equity | $4,116,800 | 6,954 |
| Average total loans | $43,834,200 | 5,754 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8670% | 1,211 |
| Cost of funding earning assets | 1.4200% | 3,458 |
| Net interest margin | 4.4470% | 1,382 |
| Noninterest income to average assets | 0.6446% | 3,156 |
| Noninterest expense to average assets | 3.2747% | 2,661 |
| Loan and lease loss provision to assets | 0.2705% | 4,422 |
| Net operating income to assets | 0.8677% | 2,750 |
| Return on assets (ROA) | 0.8677% | 2,879 |
| Pretax return on assets | 0.9037% | 3,541 |
| Return on Equity (ROE) | 12.6644% | 1,345 |
| Retained earnings to average equity (ytd only) | 4.3091% | 3,467 |
| Net charge-offs to loans | 0.3717% | 3,823 |
| Credit loss provision to net charge-offs | 96.7742% | 4,479 |
| Earnings coverage of net charge-offs (x) | 4.2016% | 3,154 |
| Efficiency ratio | 73.6069% | 3,397 |
| Assets per employee ($millions) | 3.9191% | 3,993 |
| Cash dividends to net income (ytd only)* | 65.9744% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3022% | 4,952 |
| Loan loss allowance to noncurrent loans | 93.3786% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 1.7436% | 3,828 |
| Noncurrent loans to loans | 1.3945% | 4,528 |
| Net loans and leases to total assets | 70.9102% | 2,510 |
| Net loans and leases to deposits | 86.2761% | 2,278 |
| Net loans and leases to core deposits | 88.1740% | 3,347 |
| Total domestic deposits to total assets | 82.1899% | 4,920 |
| Equity capital to assets | 6.9539% | 7,355 |
| Core capital (leverage) ratio | 6.7738% | 7,261 |
| Tier 1 risk-based capital ratio | 11.2190% | 6,176 |
| Total risk-based capital ratio | 12.4730% | 6,166 |
| Memoranda: | ||
| Average total assets | $59,159,500 | 6,301 |
| Average earning assets | $50,609,250 | 6,418 |
| Average equity | $4,053,250 | 7,066 |
| Average total loans | $44,481,750 | 5,809 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9845% | 985 |
| Cost of funding earning assets | 1.4342% | 3,647 |
| Net interest margin | 4.5503% | 1,103 |
| Noninterest income to average assets | 0.5904% | 3,411 |
| Noninterest expense to average assets | 3.2117% | 2,858 |
| Loan and lease loss provision to assets | 0.2699% | 4,233 |
| Net operating income to assets | 0.9142% | 2,500 |
| Return on assets (ROA) | 0.9142% | 2,604 |
| Pretax return on assets | 0.9514% | 3,305 |
| Return on Equity (ROE) | 13.4103% | 1,156 |
| Retained earnings to average equity (ytd only) | 6.1856% | 2,234 |
| Net charge-offs to loans | 0.5483% | 2,886 |
| Credit loss provision to net charge-offs | 64.5161% | 5,109 |
| Earnings coverage of net charge-offs (x) | 2.9194% | 3,534 |
| Efficiency ratio | 72.4505% | 3,748 |
| Assets per employee ($millions) | 3.8101% | 4,202 |
| Cash dividends to net income (ytd only)* | 53.8745% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 5,720 |
| Loan loss allowance to noncurrent loans | 750.0000% | 444 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 5,470 |
| Noncurrent loans to loans | 0.1525% | 6,957 |
| Net loans and leases to total assets | 72.2893% | 2,329 |
| Net loans and leases to deposits | 88.8542% | 2,023 |
| Net loans and leases to core deposits | 90.7573% | 3,158 |
| Total domestic deposits to total assets | 81.3572% | 5,265 |
| Equity capital to assets | 6.6960% | 7,440 |
| Core capital (leverage) ratio | 6.8673% | 7,252 |
| Tier 1 risk-based capital ratio | 10.5900% | 6,616 |
| Total risk-based capital ratio | 11.8255% | 6,626 |
| Memoranda: | ||
| Average total assets | $59,283,670 | 6,338 |
| Average earning assets | $50,063,000 | 6,474 |
| Average equity | $4,041,670 | 7,109 |
| Average total loans | $45,230,330 | 5,809 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2206% | 615 |
| Cost of funding earning assets | 1.5283% | 3,380 |
| Net interest margin | 4.6923% | 793 |
| Noninterest income to average assets | 0.5681% | 3,502 |
| Noninterest expense to average assets | 3.1825% | 2,933 |
| Loan and lease loss provision to assets | 0.1369% | 5,196 |
| Net operating income to assets | 1.0882% | 1,869 |
| Return on assets (ROA) | 1.0882% | 1,949 |
| Pretax return on assets | 1.1361% | 2,603 |
| Return on Equity (ROE) | 15.8150% | 746 |
| Retained earnings to average equity (ytd only) | 14.8203% | 428 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4286% | 4,039 |
| Assets per employee ($millions) | 3.6412% | 4,717 |
| Cash dividends to net income (ytd only)* | 6.2893% | 2,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2697% | 5,092 |
| Loan loss allowance to noncurrent loans | 466.6667% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.9595% | 5,234 |
| Noncurrent loans to loans | 0.2721% | 6,777 |
| Net loans and leases to total assets | 76.6113% | 1,413 |
| Net loans and leases to deposits | 95.0528% | 1,224 |
| Net loans and leases to core deposits | 96.0552% | 2,586 |
| Total domestic deposits to total assets | 80.5987% | 5,586 |
| Equity capital to assets | 7.0272% | 7,357 |
| Core capital (leverage) ratio | 7.0743% | 7,203 |
| Tier 1 risk-based capital ratio | 10.5258% | 6,608 |
| Total risk-based capital ratio | 11.7774% | 6,597 |
| Memoranda: | ||
| Average total assets | $58,444,500 | 6,451 |
| Average earning assets | $48,419,500 | 6,613 |
| Average equity | $4,021,500 | 7,180 |
| Average total loans | $45,556,000 | 5,861 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0852% | 1,560 |
| Cost of funding earning assets | 1.9440% | 3,242 |
| Net interest margin | 4.1412% | 2,277 |
| Noninterest income to average assets | 0.6359% | 3,377 |
| Noninterest expense to average assets | 3.2434% | 3,214 |
| Loan and lease loss provision to assets | 0.0904% | 6,704 |
| Net operating income to assets | 0.8675% | 2,288 |
| Return on assets (ROA) | 0.8675% | 2,353 |
| Pretax return on assets | 0.9037% | 2,912 |
| Return on Equity (ROE) | 13.5642% | 860 |
| Retained earnings to average equity (ytd only) | 6.1655% | 1,290 |
| Net charge-offs to loans | -0.0022% | 7,694 |
| Credit loss provision to net charge-offs | -5,500.0000% | 7,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5413% | 3,432 |
| Assets per employee ($millions) | 3.6644% | 4,608 |
| Cash dividends to net income (ytd only)* | 54.5455% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 5,314 |
| Loan loss allowance to noncurrent loans | 651.7647% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.8886% | 5,324 |
| Noncurrent loans to loans | 0.1852% | 6,960 |
| Net loans and leases to total assets | 77.3512% | 1,511 |
| Net loans and leases to deposits | 98.4393% | 1,057 |
| Net loans and leases to core deposits | 106.9120% | 3,224 |
| Total domestic deposits to total assets | 78.5775% | 6,101 |
| Equity capital to assets | 6.7355% | 7,485 |
| Core capital (leverage) ratio | 6.5028% | 7,493 |
| Tier 1 risk-based capital ratio | 9.9893% | 6,878 |
| Total risk-based capital ratio | 11.2402% | 6,853 |
| Memoranda: | ||
| Average total assets | $60,862,400 | 6,315 |
| Average earning assets | $52,931,600 | 6,416 |
| Average equity | $3,892,600 | 7,333 |
| Average total loans | $46,355,200 | 5,827 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9997% | 2,043 |
| Cost of funding earning assets | 2.0247% | 3,235 |
| Net interest margin | 3.9750% | 2,919 |
| Noninterest income to average assets | 0.5883% | 3,788 |
| Noninterest expense to average assets | 3.1433% | 3,488 |
| Loan and lease loss provision to assets | 0.0977% | 6,389 |
| Net operating income to assets | 0.7902% | 2,858 |
| Return on assets (ROA) | 0.7902% | 2,919 |
| Pretax return on assets | 0.8292% | 3,446 |
| Return on Equity (ROE) | 12.5131% | 1,233 |
| Retained earnings to average equity (ytd only) | 11.6880% | 383 |
| Net charge-offs to loans | -0.0029% | 7,602 |
| Credit loss provision to net charge-offs | -4,500.0000% | 7,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2267% | 3,282 |
| Assets per employee ($millions) | 3.9619% | 3,800 |
| Cash dividends to net income (ytd only)* | 6.5936% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1794% | 5,229 |
| Loan loss allowance to noncurrent loans | 18,133.3333% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 5,499 |
| Noncurrent loans to loans | 0.0065% | 7,516 |
| Net loans and leases to total assets | 71.9057% | 3,059 |
| Net loans and leases to deposits | 90.1630% | 2,546 |
| Net loans and leases to core deposits | 101.4851% | 4,215 |
| Total domestic deposits to total assets | 79.7507% | 5,543 |
| Equity capital to assets | 6.3811% | 7,792 |
| Core capital (leverage) ratio | 6.2627% | 7,742 |
| Tier 1 risk-based capital ratio | 9.9588% | 7,015 |
| Total risk-based capital ratio | 11.2068% | 6,973 |
| Memoranda: | ||
| Average total assets | $61,420,500 | 6,341 |
| Average earning assets | $53,801,000 | 6,431 |
| Average equity | $3,878,500 | 7,390 |
| Average total loans | $46,467,750 | 5,867 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9407% | 2,415 |
| Cost of funding earning assets | 2.0541% | 3,504 |
| Net interest margin | 3.8866% | 3,171 |
| Noninterest income to average assets | 0.6023% | 3,674 |
| Noninterest expense to average assets | 3.0544% | 3,865 |
| Loan and lease loss provision to assets | 0.0987% | 6,184 |
| Net operating income to assets | 0.8722% | 2,565 |
| Return on assets (ROA) | 0.8722% | 2,671 |
| Pretax return on assets | 0.9117% | 3,298 |
| Return on Equity (ROE) | 13.8635% | 1,017 |
| Retained earnings to average equity (ytd only) | 13.8635% | 268 |
| Net charge-offs to loans | -0.0086% | 7,589 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1417% | 3,852 |
| Assets per employee ($millions) | 3.8022% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1242% | 5,429 |
| Loan loss allowance to noncurrent loans | 8,833.3333% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 5,411 |
| Noncurrent loans to loans | 0.0127% | 7,530 |
| Net loans and leases to total assets | 72.1150% | 3,192 |
| Net loans and leases to deposits | 92.5136% | 2,366 |
| Net loans and leases to core deposits | 104.3801% | 4,022 |
| Total domestic deposits to total assets | 77.9507% | 6,088 |
| Equity capital to assets | 6.1374% | 7,907 |
| Core capital (leverage) ratio | 6.3607% | 7,843 |
| Tier 1 risk-based capital ratio | 9.4499% | 7,434 |
| Total risk-based capital ratio | 10.6998% | 7,389 |
| Memoranda: | ||
| Average total assets | $60,764,000 | 6,422 |
| Average earning assets | $54,135,000 | 6,461 |
| Average equity | $3,823,000 | 7,467 |
| Average total loans | $46,582,000 | 5,909 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1702% | 1,694 |
| Cost of funding earning assets | 2.1921% | 3,204 |
| Net interest margin | 3.9780% | 2,738 |
| Noninterest income to average assets | 0.6868% | 2,965 |
| Noninterest expense to average assets | 3.0530% | 3,549 |
| Loan and lease loss provision to assets | 0.1020% | 5,660 |
| Net operating income to assets | 1.0199% | 2,230 |
| Return on assets (ROA) | 1.0199% | 2,368 |
| Pretax return on assets | 1.0607% | 3,144 |
| Return on Equity (ROE) | 15.9957% | 826 |
| Retained earnings to average equity (ytd only) | 15.9957% | 340 |
| Net charge-offs to loans | -0.0173% | 7,399 |
| Credit loss provision to net charge-offs | -750.0000% | 6,477 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4194% | 4,120 |
| Assets per employee ($millions) | 3.2768% | 5,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,296 |
| Loan loss allowance to noncurrent loans | 294.2857% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1546% | 4,362 |
| Noncurrent loans to loans | 0.3821% | 6,466 |
| Net loans and leases to total assets | 76.7811% | 2,092 |
| Net loans and leases to deposits | 95.3872% | 2,058 |
| Net loans and leases to core deposits | 109.2517% | 3,532 |
| Total domestic deposits to total assets | 80.4940% | 5,173 |
| Equity capital to assets | 6.4867% | 7,873 |
| Core capital (leverage) ratio | 6.4486% | 7,902 |
| Tier 1 risk-based capital ratio | 9.4106% | 7,503 |
| Total risk-based capital ratio | 10.6583% | 7,458 |
| Memoranda: | ||
| Average total assets | $58,827,500 | 6,512 |
| Average earning assets | $52,186,500 | 6,567 |
| Average equity | $3,751,000 | 7,539 |
| Average total loans | $46,301,500 | 5,946 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7873% | 1,723 |
| Cost of funding earning assets | 2.6667% | 3,328 |
| Net interest margin | 4.1206% | 2,625 |
| Noninterest income to average assets | 0.7899% | 2,574 |
| Noninterest expense to average assets | 3.2195% | 3,260 |
| Loan and lease loss provision to assets | 0.4117% | 3,228 |
| Net operating income to assets | 0.7477% | 3,685 |
| Return on assets (ROA) | 0.7477% | 3,523 |
| Pretax return on assets | 0.7688% | 4,183 |
| Return on Equity (ROE) | 11.1076% | 1,869 |
| Retained earnings to average equity (ytd only) | -5.8805% | 6,649 |
| Net charge-offs to loans | 0.5379% | 2,215 |
| Credit loss provision to net charge-offs | 95.1220% | 5,544 |
| Earnings coverage of net charge-offs (x) | 2.7276% | 4,719 |
| Efficiency ratio | 73.1707% | 3,715 |
| Assets per employee ($millions) | 3.2596% | 5,312 |
| Cash dividends to net income (ytd only)* | 152.9412% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0641% | 5,523 |
| Loan loss allowance to noncurrent loans | 201.6194% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 1.2834% | 3,662 |
| Noncurrent loans to loans | 0.5278% | 5,773 |
| Net loans and leases to total assets | 78.9170% | 1,912 |
| Net loans and leases to deposits | 98.1079% | 2,109 |
| Net loans and leases to core deposits | 112.4869% | 3,512 |
| Total domestic deposits to total assets | 80.4390% | 4,856 |
| Equity capital to assets | 6.2652% | 8,004 |
| Core capital (leverage) ratio | 6.2376% | 8,009 |
| Tier 1 risk-based capital ratio | 8.8219% | 7,890 |
| Total risk-based capital ratio | 10.0180% | 7,996 |
| Memoranda: | ||
| Average total assets | $56,841,200 | 6,497 |
| Average earning assets | $49,798,600 | 6,598 |
| Average equity | $3,826,200 | 7,568 |
| Average total loans | $45,731,000 | 5,893 |