Home > Alliant Bank > Performance and Condition Ratios
Alliant Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3659% | 1,365 |
| Cost of funding earning assets | 0.9062% | 3,510 |
| Net interest margin | 4.4597% | 651 |
| Noninterest income to average assets | 0.8200% | 901 |
| Noninterest expense to average assets | 3.6474% | 482 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.2175% | 1,610 |
| Return on assets (ROA) | 1.2389% | 1,540 |
| Pretax return on assets | 1.2931% | 1,884 |
| Return on Equity (ROE) | 13.2500% | 1,665 |
| Retained earnings to average equity (ytd only) | 4.7302% | 2,703 |
| Net charge-offs to loans | -0.0006% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.8198% | 1,479 |
| Assets per employee ($millions) | 3.5109% | 4,289 |
| Cash dividends to net income (ytd only)* | 64.2969% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 1,930 |
| Loan loss allowance to noncurrent loans | 1,113.9037% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 2,916 |
| Noncurrent loans to loans | 0.1139% | 2,957 |
| Net loans and leases to total assets | 79.5900% | 688 |
| Net loans and leases to deposits | 88.6437% | 1,381 |
| Net loans and leases to core deposits | 93.7452% | 1,788 |
| Total domestic deposits to total assets | 89.7900% | 814 |
| Equity capital to assets | 9.8102% | 2,116 |
| Core capital (leverage) ratio | 10.0938% | 2,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4314% | 1,409 |
| Memoranda: | ||
| Average total assets | $206,639,800 | 2,943 |
| Average earning assets | $190,796,400 | 2,938 |
| Average equity | $19,322,800 | 2,919 |
| Average total loans | $163,770,600 | 2,568 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2283% | 1,401 |
| Cost of funding earning assets | 0.8528% | 3,392 |
| Net interest margin | 4.3755% | 723 |
| Noninterest income to average assets | 0.8800% | 797 |
| Noninterest expense to average assets | 3.5897% | 504 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 1.2393% | 1,680 |
| Return on assets (ROA) | 1.2570% | 1,631 |
| Pretax return on assets | 1.3226% | 1,970 |
| Return on Equity (ROE) | 13.6000% | 1,768 |
| Retained earnings to average equity (ytd only) | 5.3515% | 2,825 |
| Net charge-offs to loans | -0.0024% | 3,606 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.9042% | 1,462 |
| Assets per employee ($millions) | 3.7799% | 4,250 |
| Cash dividends to net income (ytd only)* | 60.6650% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 1,998 |
| Loan loss allowance to noncurrent loans | 1,047.7387% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 2,924 |
| Noncurrent loans to loans | 0.1215% | 2,952 |
| Net loans and leases to total assets | 79.2000% | 741 |
| Net loans and leases to deposits | 87.8061% | 1,406 |
| Net loans and leases to core deposits | 92.4246% | 1,768 |
| Total domestic deposits to total assets | 90.2000% | 887 |
| Equity capital to assets | 9.4426% | 2,132 |
| Core capital (leverage) ratio | 9.9145% | 2,902 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3029% | 1,473 |
| Memoranda: | ||
| Average total assets | $207,367,000 | 2,943 |
| Average earning assets | $191,516,750 | 2,944 |
| Average equity | $19,159,250 | 2,921 |
| Average total loans | $163,673,250 | 2,576 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0574% | 1,441 |
| Cost of funding earning assets | 0.7654% | 3,313 |
| Net interest margin | 4.2920% | 813 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 3.5395% | 517 |
| Loan and lease loss provision to assets | 0.0500% | 1,895 |
| Net operating income to assets | 1.1050% | 2,114 |
| Return on assets (ROA) | 1.1264% | 2,042 |
| Pretax return on assets | 1.2137% | 2,323 |
| Return on Equity (ROE) | 12.2800% | 2,071 |
| Retained earnings to average equity (ytd only) | 4.7696% | 3,003 |
| Net charge-offs to loans | -0.0122% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 74.1210% | 1,334 |
| Assets per employee ($millions) | 3.8250% | 4,251 |
| Cash dividends to net income (ytd only)* | 61.1584% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 2,076 |
| Loan loss allowance to noncurrent loans | 1,802.5862% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.0812% | 2,968 |
| Noncurrent loans to loans | 0.0704% | 3,194 |
| Net loans and leases to total assets | 75.9300% | 1,058 |
| Net loans and leases to deposits | 83.7875% | 1,688 |
| Net loans and leases to core deposits | 87.4840% | 1,970 |
| Total domestic deposits to total assets | 90.6200% | 752 |
| Equity capital to assets | 9.0253% | 2,500 |
| Core capital (leverage) ratio | 9.8053% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0243% | 1,572 |
| Memoranda: | ||
| Average total assets | $208,450,333 | 2,942 |
| Average earning assets | $192,311,667 | 2,948 |
| Average equity | $19,121,000 | 2,933 |
| Average total loans | $163,649,667 | 2,566 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9273% | 1,369 |
| Cost of funding earning assets | 0.6167% | 3,330 |
| Net interest margin | 4.3106% | 790 |
| Noninterest income to average assets | 0.7000% | 1,089 |
| Noninterest expense to average assets | 3.6094% | 480 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 0.9097% | 2,819 |
| Return on assets (ROA) | 0.9398% | 2,674 |
| Pretax return on assets | 1.0955% | 2,719 |
| Return on Equity (ROE) | 10.1600% | 2,741 |
| Retained earnings to average equity (ytd only) | 2.8608% | 3,534 |
| Net charge-offs to loans | -0.0294% | 4,213 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.0349% | 1,081 |
| Assets per employee ($millions) | 3.9211% | 4,284 |
| Cash dividends to net income (ytd only)* | 71.8427% | 763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3199% | 1,951 |
| Loan loss allowance to noncurrent loans | 2,905.4054% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 3,287 |
| Noncurrent loans to loans | 0.0454% | 3,413 |
| Net loans and leases to total assets | 75.9100% | 981 |
| Net loans and leases to deposits | 83.6524% | 1,523 |
| Net loans and leases to core deposits | 86.4174% | 1,840 |
| Total domestic deposits to total assets | 90.7500% | 889 |
| Equity capital to assets | 9.0399% | 2,488 |
| Core capital (leverage) ratio | 9.8067% | 2,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0303% | 1,619 |
| Memoranda: | ||
| Average total assets | $205,576,000 | 2,997 |
| Average earning assets | $190,044,000 | 3,001 |
| Average equity | $19,015,500 | 2,975 |
| Average total loans | $163,106,500 | 2,601 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 1,538 |
| Cost of funding earning assets | 0.2418% | 3,395 |
| Net interest margin | 3.8296% | 1,102 |
| Noninterest income to average assets | 0.9700% | 682 |
| Noninterest expense to average assets | 3.2598% | 668 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.1619% | 1,929 |
| Return on assets (ROA) | 1.1409% | 1,951 |
| Pretax return on assets | 1.1428% | 2,630 |
| Return on Equity (ROE) | 13.1000% | 1,776 |
| Retained earnings to average equity (ytd only) | 6.0193% | 2,642 |
| Net charge-offs to loans | 0.0196% | 1,705 |
| Credit loss provision to net charge-offs | 660.0000% | 559 |
| Earnings coverage of net charge-offs (x) | 89.9000% | 1,022 |
| Efficiency ratio | 72.1873% | 1,420 |
| Assets per employee ($millions) | 3.4382% | 4,453 |
| Cash dividends to net income (ytd only)* | 54.0408% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 1,872 |
| Loan loss allowance to noncurrent loans | 2,088.2353% | 581 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 3,067 |
| Noncurrent loans to loans | 0.0625% | 3,303 |
| Net loans and leases to total assets | 80.8300% | 515 |
| Net loans and leases to deposits | 89.4504% | 1,093 |
| Net loans and leases to core deposits | 90.6629% | 1,469 |
| Total domestic deposits to total assets | 90.3700% | 1,214 |
| Equity capital to assets | 9.4728% | 2,032 |
| Core capital (leverage) ratio | 9.2608% | 3,386 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9209% | 1,651 |
| Memoranda: | ||
| Average total assets | $214,738,600 | 2,944 |
| Average earning assets | $198,900,200 | 2,944 |
| Average equity | $18,706,400 | 3,063 |
| Average total loans | $153,387,600 | 2,606 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7985% | 1,773 |
| Cost of funding earning assets | 0.2133% | 3,112 |
| Net interest margin | 3.5852% | 1,426 |
| Noninterest income to average assets | 1.0100% | 645 |
| Noninterest expense to average assets | 3.0543% | 843 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1968% | 1,701 |
| Return on assets (ROA) | 1.1670% | 1,805 |
| Pretax return on assets | 1.1694% | 2,494 |
| Return on Equity (ROE) | 13.6700% | 1,518 |
| Retained earnings to average equity (ytd only) | 7.7952% | 2,083 |
| Net charge-offs to loans | 0.0044% | 2,034 |
| Credit loss provision to net charge-offs | 2,640.0000% | 197 |
| Earnings coverage of net charge-offs (x) | 419.6000% | 366 |
| Efficiency ratio | 70.4715% | 1,701 |
| Assets per employee ($millions) | 4.1558% | 4,253 |
| Cash dividends to net income (ytd only)* | 42.9692% | 1,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3154% | 1,964 |
| Loan loss allowance to noncurrent loans | 1,322.1519% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.0704% | 3,192 |
| Noncurrent loans to loans | 0.0995% | 3,168 |
| Net loans and leases to total assets | 69.8400% | 1,491 |
| Net loans and leases to deposits | 76.3320% | 1,851 |
| Net loans and leases to core deposits | 77.3022% | 2,093 |
| Total domestic deposits to total assets | 91.4900% | 1,052 |
| Equity capital to assets | 8.2718% | 2,706 |
| Core capital (leverage) ratio | 8.6311% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1961% | 1,649 |
| Memoranda: | ||
| Average total assets | $218,570,000 | 2,937 |
| Average earning assets | $202,531,500 | 2,934 |
| Average equity | $18,660,500 | 3,102 |
| Average total loans | $150,903,250 | 2,633 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 1,905 |
| Cost of funding earning assets | 0.2215% | 2,629 |
| Net interest margin | 3.3580% | 1,732 |
| Noninterest income to average assets | 1.0461% | 606 |
| Noninterest expense to average assets | 2.9812% | 866 |
| Loan and lease loss provision to assets | 0.1219% | 815 |
| Net operating income to assets | 1.0461% | 1,991 |
| Return on assets (ROA) | 0.9999% | 2,126 |
| Pretax return on assets | 1.0036% | 2,718 |
| Return on Equity (ROE) | 11.5872% | 1,800 |
| Retained earnings to average equity (ytd only) | 6.4837% | 2,177 |
| Net charge-offs to loans | 0.0243% | 1,235 |
| Credit loss provision to net charge-offs | 733.3333% | 503 |
| Earnings coverage of net charge-offs (x) | 70.5000% | 1,000 |
| Efficiency ratio | 71.7875% | 1,748 |
| Assets per employee ($millions) | 4.4130% | 4,144 |
| Cash dividends to net income (ytd only)* | 44.0443% | 1,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 2,148 |
| Loan loss allowance to noncurrent loans | 1,265.8537% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 3,268 |
| Noncurrent loans to loans | 0.1034% | 3,231 |
| Net loans and leases to total assets | 66.8971% | 1,596 |
| Net loans and leases to deposits | 72.7751% | 1,972 |
| Net loans and leases to core deposits | 74.0088% | 2,173 |
| Total domestic deposits to total assets | 91.9231% | 868 |
| Equity capital to assets | 7.9273% | 3,178 |
| Core capital (leverage) ratio | 8.7097% | 3,744 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9592% | 1,716 |
| Memoranda: | ||
| Average total assets | $216,622,000 | 2,975 |
| Average earning assets | $200,416,000 | 2,987 |
| Average equity | $18,693,000 | 3,171 |
| Average total loans | $148,267,667 | 2,665 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5720% | 1,582 |
| Cost of funding earning assets | 0.2312% | 2,382 |
| Net interest margin | 3.3408% | 1,469 |
| Noninterest income to average assets | 1.2385% | 463 |
| Noninterest expense to average assets | 3.0136% | 801 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.3011% | 1,004 |
| Return on assets (ROA) | 1.2174% | 1,192 |
| Pretax return on assets | 1.2251% | 1,717 |
| Return on Equity (ROE) | 13.4903% | 940 |
| Retained earnings to average equity (ytd only) | 9.5903% | 1,124 |
| Net charge-offs to loans | 0.0335% | 969 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 56.7500% | 874 |
| Efficiency ratio | 69.7064% | 2,274 |
| Assets per employee ($millions) | 4.1385% | 4,337 |
| Cash dividends to net income (ytd only)* | 28.9100% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3705% | 2,027 |
| Loan loss allowance to noncurrent loans | 1,147.0588% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.0962% | 3,134 |
| Noncurrent loans to loans | 0.1195% | 3,227 |
| Net loans and leases to total assets | 65.2121% | 1,494 |
| Net loans and leases to deposits | 71.5413% | 1,819 |
| Net loans and leases to core deposits | 72.9796% | 2,022 |
| Total domestic deposits to total assets | 91.1530% | 954 |
| Equity capital to assets | 8.6931% | 2,980 |
| Core capital (leverage) ratio | 9.1151% | 3,230 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4825% | 1,389 |
| Memoranda: | ||
| Average total assets | $207,988,500 | 3,056 |
| Average earning assets | $192,050,000 | 3,062 |
| Average equity | $18,769,000 | 3,251 |
| Average total loans | $143,131,000 | 2,714 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3610% | 766 |
| Cost of funding earning assets | 0.3171% | 2,227 |
| Net interest margin | 4.0439% | 649 |
| Noninterest income to average assets | 1.1853% | 756 |
| Noninterest expense to average assets | 3.4799% | 491 |
| Loan and lease loss provision to assets | 0.0643% | 1,782 |
| Net operating income to assets | 1.4099% | 1,244 |
| Return on assets (ROA) | 1.4238% | 1,266 |
| Pretax return on assets | 1.4048% | 2,039 |
| Return on Equity (ROE) | 14.7137% | 1,019 |
| Retained earnings to average equity (ytd only) | 4.8550% | 2,839 |
| Net charge-offs to loans | 0.0046% | 2,432 |
| Credit loss provision to net charge-offs | 2,083.3333% | 301 |
| Earnings coverage of net charge-offs (x) | 471.8333% | 287 |
| Efficiency ratio | 70.5135% | 1,677 |
| Assets per employee ($millions) | 4.0974% | 4,386 |
| Cash dividends to net income (ytd only)* | 67.0036% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,083 |
| Loan loss allowance to noncurrent loans | 757.5290% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 3,032 |
| Noncurrent loans to loans | 0.1799% | 3,044 |
| Net loans and leases to total assets | 70.7321% | 954 |
| Net loans and leases to deposits | 78.2115% | 1,379 |
| Net loans and leases to core deposits | 80.0003% | 1,591 |
| Total domestic deposits to total assets | 90.4370% | 742 |
| Equity capital to assets | 9.3788% | 3,246 |
| Core capital (leverage) ratio | 9.1062% | 3,287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1091% | 1,479 |
| Memoranda: | ||
| Average total assets | $194,548,000 | 3,102 |
| Average earning assets | $180,393,800 | 3,088 |
| Average equity | $18,826,000 | 3,314 |
| Average total loans | $130,239,000 | 2,851 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 556 |
| Cost of funding earning assets | 0.3363% | 2,237 |
| Net interest margin | 4.2737% | 480 |
| Noninterest income to average assets | 1.3506% | 653 |
| Noninterest expense to average assets | 3.3596% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.9938% | 471 |
| Return on assets (ROA) | 2.0063% | 482 |
| Pretax return on assets | 1.9807% | 827 |
| Return on Equity (ROE) | 20.5679% | 387 |
| Retained earnings to average equity (ytd only) | 8.7683% | 1,778 |
| Net charge-offs to loans | 0.0011% | 2,408 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 2,849.0000% | 49 |
| Efficiency ratio | 63.0576% | 2,532 |
| Assets per employee ($millions) | 4.0407% | 4,426 |
| Cash dividends to net income (ytd only)* | 57.3691% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 1,993 |
| Loan loss allowance to noncurrent loans | 649.2958% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.1434% | 3,154 |
| Noncurrent loans to loans | 0.2169% | 3,083 |
| Net loans and leases to total assets | 65.2070% | 1,633 |
| Net loans and leases to deposits | 72.3757% | 2,015 |
| Net loans and leases to core deposits | 75.3358% | 2,113 |
| Total domestic deposits to total assets | 90.0952% | 735 |
| Equity capital to assets | 9.7074% | 3,181 |
| Core capital (leverage) ratio | 9.4288% | 3,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0688% | 1,340 |
| Memoranda: | ||
| Average total assets | $192,991,750 | 3,152 |
| Average earning assets | $179,606,500 | 3,136 |
| Average equity | $18,825,000 | 3,356 |
| Average total loans | $126,805,500 | 2,926 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5534% | 672 |
| Cost of funding earning assets | 0.3596% | 2,238 |
| Net interest margin | 4.1938% | 592 |
| Noninterest income to average assets | 1.4959% | 545 |
| Noninterest expense to average assets | 3.3733% | 555 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.0625% | 438 |
| Return on assets (ROA) | 2.0750% | 446 |
| Pretax return on assets | 2.0363% | 774 |
| Return on Equity (ROE) | 21.2375% | 369 |
| Retained earnings to average equity (ytd only) | 15.4173% | 380 |
| Net charge-offs to loans | -0.0128% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5024% | 2,662 |
| Assets per employee ($millions) | 4.1250% | 4,378 |
| Cash dividends to net income (ytd only)* | 27.4055% | 2,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 1,802 |
| Loan loss allowance to noncurrent loans | 638.6207% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 0.1435% | 3,290 |
| Noncurrent loans to loans | 0.2258% | 3,154 |
| Net loans and leases to total assets | 62.6155% | 2,107 |
| Net loans and leases to deposits | 69.6358% | 2,451 |
| Net loans and leases to core deposits | 72.1301% | 2,594 |
| Total domestic deposits to total assets | 89.9186% | 819 |
| Equity capital to assets | 9.6198% | 3,230 |
| Core capital (leverage) ratio | 9.4716% | 2,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9524% | 1,132 |
| Memoranda: | ||
| Average total assets | $191,324,333 | 3,167 |
| Average earning assets | $177,977,667 | 3,152 |
| Average equity | $18,693,333 | 3,365 |
| Average total loans | $125,424,000 | 2,953 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7043% | 2,346 |
| Cost of funding earning assets | 0.3830% | 2,238 |
| Net interest margin | 3.3213% | 2,328 |
| Noninterest income to average assets | 1.8889% | 411 |
| Noninterest expense to average assets | 3.5176% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5297% | 1,268 |
| Return on assets (ROA) | 1.5555% | 1,272 |
| Pretax return on assets | 1.4759% | 2,056 |
| Return on Equity (ROE) | 15.7877% | 1,063 |
| Retained earnings to average equity (ytd only) | 11.2676% | 1,329 |
| Net charge-offs to loans | -0.0097% | 3,653 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8099% | 1,621 |
| Assets per employee ($millions) | 4.1833% | 4,357 |
| Cash dividends to net income (ytd only)* | 28.6307% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 1,759 |
| Loan loss allowance to noncurrent loans | 626.1017% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.2396% | 2,939 |
| Noncurrent loans to loans | 0.2321% | 3,275 |
| Net loans and leases to total assets | 63.7023% | 2,086 |
| Net loans and leases to deposits | 70.9164% | 2,427 |
| Net loans and leases to core deposits | 73.2330% | 2,590 |
| Total domestic deposits to total assets | 89.8274% | 900 |
| Equity capital to assets | 9.4270% | 3,266 |
| Core capital (leverage) ratio | 9.8055% | 2,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2379% | 1,035 |
| Memoranda: | ||
| Average total assets | $185,924,500 | 3,193 |
| Average earning assets | $172,341,000 | 3,190 |
| Average equity | $18,318,000 | 3,394 |
| Average total loans | $123,929,500 | 2,976 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7748% | 767 |
| Cost of funding earning assets | 0.6799% | 1,822 |
| Net interest margin | 4.0949% | 790 |
| Noninterest income to average assets | 1.7389% | 416 |
| Noninterest expense to average assets | 3.7100% | 521 |
| Loan and lease loss provision to assets | 0.3169% | 1,172 |
| Net operating income to assets | 1.4865% | 841 |
| Return on assets (ROA) | 1.4865% | 912 |
| Pretax return on assets | 1.4787% | 1,413 |
| Return on Equity (ROE) | 14.2997% | 745 |
| Retained earnings to average equity (ytd only) | 6.6935% | 1,511 |
| Net charge-offs to loans | 0.1213% | 1,281 |
| Credit loss provision to net charge-offs | 342.5806% | 1,600 |
| Earnings coverage of net charge-offs (x) | 19.4129% | 1,980 |
| Efficiency ratio | 67.3856% | 2,316 |
| Assets per employee ($millions) | 3.5762% | 4,622 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5270% | 1,493 |
| Loan loss allowance to noncurrent loans | 528.3668% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2996% | 2,804 |
| Noncurrent loans to loans | 0.2890% | 3,165 |
| Net loans and leases to total assets | 67.8634% | 1,843 |
| Net loans and leases to deposits | 75.8818% | 2,296 |
| Net loans and leases to core deposits | 78.5333% | 2,503 |
| Total domestic deposits to total assets | 89.4329% | 795 |
| Equity capital to assets | 10.3297% | 2,808 |
| Core capital (leverage) ratio | 10.0170% | 2,598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5672% | 1,134 |
| Memoranda: | ||
| Average total assets | $167,574,400 | 3,219 |
| Average earning assets | $154,144,000 | 3,220 |
| Average equity | $17,420,000 | 3,428 |
| Average total loans | $127,743,600 | 2,892 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7003% | 1,064 |
| Cost of funding earning assets | 0.7369% | 1,817 |
| Net interest margin | 3.9634% | 1,202 |
| Noninterest income to average assets | 1.5686% | 483 |
| Noninterest expense to average assets | 3.6653% | 568 |
| Loan and lease loss provision to assets | 0.2505% | 1,615 |
| Net operating income to assets | 1.3014% | 1,356 |
| Return on assets (ROA) | 1.2966% | 1,458 |
| Pretax return on assets | 1.2974% | 2,059 |
| Return on Equity (ROE) | 12.4520% | 1,257 |
| Retained earnings to average equity (ytd only) | 7.9845% | 1,306 |
| Net charge-offs to loans | 0.1565% | 941 |
| Credit loss provision to net charge-offs | 204.6053% | 2,100 |
| Earnings coverage of net charge-offs (x) | 12.6908% | 2,238 |
| Efficiency ratio | 70.2453% | 1,852 |
| Assets per employee ($millions) | 3.4692% | 4,680 |
| Cash dividends to net income (ytd only)* | 35.8783% | 2,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2366% | 2,466 |
| Loan loss allowance to noncurrent loans | 452.9248% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 2,920 |
| Noncurrent loans to loans | 0.2730% | 3,316 |
| Net loans and leases to total assets | 74.8670% | 1,258 |
| Net loans and leases to deposits | 83.9626% | 1,916 |
| Net loans and leases to core deposits | 87.0946% | 2,225 |
| Total domestic deposits to total assets | 89.1670% | 698 |
| Equity capital to assets | 10.3597% | 2,915 |
| Core capital (leverage) ratio | 10.9220% | 1,942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4436% | 1,150 |
| Memoranda: | ||
| Average total assets | $165,659,750 | 3,211 |
| Average earning assets | $152,526,250 | 3,215 |
| Average equity | $17,249,750 | 3,442 |
| Average total loans | $129,488,750 | 2,874 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8328% | 1,092 |
| Cost of funding earning assets | 0.7892% | 1,881 |
| Net interest margin | 4.0436% | 1,237 |
| Noninterest income to average assets | 1.1984% | 699 |
| Noninterest expense to average assets | 3.6981% | 577 |
| Loan and lease loss provision to assets | 0.3815% | 1,081 |
| Net operating income to assets | 0.8316% | 2,933 |
| Return on assets (ROA) | 0.8230% | 3,082 |
| Pretax return on assets | 0.8242% | 3,523 |
| Return on Equity (ROE) | 7.8873% | 2,793 |
| Retained earnings to average equity (ytd only) | 5.7245% | 2,185 |
| Net charge-offs to loans | 0.1987% | 769 |
| Credit loss provision to net charge-offs | 242.9688% | 1,768 |
| Earnings coverage of net charge-offs (x) | 7.7344% | 2,344 |
| Efficiency ratio | 75.2809% | 1,339 |
| Assets per employee ($millions) | 3.5260% | 4,648 |
| Cash dividends to net income (ytd only)* | 27.4218% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 2,460 |
| Loan loss allowance to noncurrent loans | 405.4054% | 1,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3374% | 2,955 |
| Noncurrent loans to loans | 0.2986% | 3,316 |
| Net loans and leases to total assets | 77.9284% | 853 |
| Net loans and leases to deposits | 87.1575% | 1,646 |
| Net loans and leases to core deposits | 90.3612% | 2,047 |
| Total domestic deposits to total assets | 89.4110% | 607 |
| Equity capital to assets | 10.0681% | 3,146 |
| Core capital (leverage) ratio | 10.5506% | 2,318 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3323% | 1,406 |
| Memoranda: | ||
| Average total assets | $163,057,333 | 3,217 |
| Average earning assets | $149,769,000 | 3,221 |
| Average equity | $17,014,667 | 3,466 |
| Average total loans | $128,821,333 | 2,874 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8471% | 1,315 |
| Cost of funding earning assets | 0.8331% | 2,206 |
| Net interest margin | 4.0140% | 1,351 |
| Noninterest income to average assets | 0.7307% | 1,529 |
| Noninterest expense to average assets | 3.7017% | 700 |
| Loan and lease loss provision to assets | 0.2528% | 1,228 |
| Net operating income to assets | 0.4551% | 4,007 |
| Return on assets (ROA) | 0.4273% | 4,112 |
| Pretax return on assets | 0.4273% | 4,248 |
| Return on Equity (ROE) | 4.0180% | 3,947 |
| Retained earnings to average equity (ytd only) | -0.3566% | 4,047 |
| Net charge-offs to loans | 0.0064% | 2,346 |
| Credit loss provision to net charge-offs | 5,000.0000% | 154 |
| Earnings coverage of net charge-offs (x) | 140.0000% | 454 |
| Efficiency ratio | 83.9450% | 835 |
| Assets per employee ($millions) | 3.2501% | 4,666 |
| Cash dividends to net income (ytd only)* | 108.8757% | 686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2579% | 2,349 |
| Loan loss allowance to noncurrent loans | 169.9240% | 2,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5904% | 2,229 |
| Noncurrent loans to loans | 0.7403% | 2,153 |
| Net loans and leases to total assets | 78.7485% | 869 |
| Net loans and leases to deposits | 88.5552% | 1,685 |
| Net loans and leases to core deposits | 92.9654% | 2,071 |
| Total domestic deposits to total assets | 88.9259% | 696 |
| Equity capital to assets | 10.7902% | 3,060 |
| Core capital (leverage) ratio | 10.5635% | 2,884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8571% | 1,640 |
| Memoranda: | ||
| Average total assets | $158,199,000 | 3,231 |
| Average earning assets | $144,992,500 | 3,239 |
| Average equity | $16,824,500 | 3,487 |
| Average total loans | $125,087,000 | 2,898 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1570% | 1,093 |
| Cost of funding earning assets | 0.8880% | 2,243 |
| Net interest margin | 4.2690% | 1,168 |
| Noninterest income to average assets | 1.0022% | 968 |
| Noninterest expense to average assets | 3.6717% | 789 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2247% | 1,964 |
| Return on assets (ROA) | 1.2607% | 1,917 |
| Pretax return on assets | 1.2607% | 2,641 |
| Return on Equity (ROE) | 12.3790% | 1,373 |
| Retained earnings to average equity (ytd only) | 3.6942% | 3,149 |
| Net charge-offs to loans | -0.0015% | 4,204 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9873% | 1,489 |
| Assets per employee ($millions) | 3.3416% | 4,616 |
| Cash dividends to net income (ytd only)* | 70.1573% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 2,604 |
| Loan loss allowance to noncurrent loans | 236.0129% | 1,849 |
| Noncurrent assets plus other real estate owned to assets | 0.3878% | 2,855 |
| Noncurrent loans to loans | 0.4946% | 2,701 |
| Net loans and leases to total assets | 77.4906% | 1,162 |
| Net loans and leases to deposits | 86.7942% | 1,996 |
| Net loans and leases to core deposits | 90.9444% | 2,326 |
| Total domestic deposits to total assets | 89.2808% | 567 |
| Equity capital to assets | 10.4841% | 3,465 |
| Core capital (leverage) ratio | 10.5411% | 2,912 |
| Tier 1 risk-based capital ratio | 14.4106% | 3,065 |
| Total risk-based capital ratio | 15.6608% | 2,974 |
| Memoranda: | ||
| Average total assets | $161,340,400 | 3,193 |
| Average earning assets | $147,177,800 | 3,200 |
| Average equity | $16,431,000 | 3,504 |
| Average total loans | $130,257,800 | 2,819 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1853% | 1,070 |
| Cost of funding earning assets | 0.8798% | 2,321 |
| Net interest margin | 4.3055% | 1,156 |
| Noninterest income to average assets | 0.8796% | 1,191 |
| Noninterest expense to average assets | 3.6258% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1792% | 2,266 |
| Return on assets (ROA) | 1.2270% | 2,180 |
| Pretax return on assets | 1.2270% | 2,893 |
| Return on Equity (ROE) | 12.1374% | 1,564 |
| Retained earnings to average equity (ytd only) | 3.6812% | 3,559 |
| Net charge-offs to loans | -0.0030% | 4,106 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4594% | 1,394 |
| Assets per employee ($millions) | 3.2360% | 4,722 |
| Cash dividends to net income (ytd only)* | 69.6704% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 2,872 |
| Loan loss allowance to noncurrent loans | 226.5023% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.4011% | 2,901 |
| Noncurrent loans to loans | 0.4989% | 2,796 |
| Net loans and leases to total assets | 79.4858% | 918 |
| Net loans and leases to deposits | 88.8784% | 1,826 |
| Net loans and leases to core deposits | 95.9854% | 1,995 |
| Total domestic deposits to total assets | 89.4320% | 467 |
| Equity capital to assets | 10.3035% | 3,727 |
| Core capital (leverage) ratio | 10.3335% | 3,280 |
| Tier 1 risk-based capital ratio | 13.8632% | 3,394 |
| Total risk-based capital ratio | 15.0966% | 3,312 |
| Memoranda: | ||
| Average total assets | $161,576,750 | 3,222 |
| Average earning assets | $147,310,750 | 3,233 |
| Average equity | $16,334,750 | 3,537 |
| Average total loans | $131,382,500 | 2,839 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1336% | 1,144 |
| Cost of funding earning assets | 0.8348% | 2,480 |
| Net interest margin | 4.2988% | 1,150 |
| Noninterest income to average assets | 0.7282% | 1,610 |
| Noninterest expense to average assets | 3.6148% | 840 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0353% | 2,784 |
| Return on assets (ROA) | 1.0353% | 2,858 |
| Pretax return on assets | 1.0353% | 3,434 |
| Return on Equity (ROE) | 10.3066% | 2,249 |
| Retained earnings to average equity (ytd only) | 3.0574% | 3,691 |
| Net charge-offs to loans | -0.0076% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7364% | 1,188 |
| Assets per employee ($millions) | 3.3689% | 4,644 |
| Cash dividends to net income (ytd only)* | 70.3349% | 1,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1120% | 3,011 |
| Loan loss allowance to noncurrent loans | 268.4307% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.3914% | 2,936 |
| Noncurrent loans to loans | 0.4143% | 3,050 |
| Net loans and leases to total assets | 80.8933% | 746 |
| Net loans and leases to deposits | 90.3229% | 1,701 |
| Net loans and leases to core deposits | 97.6559% | 1,912 |
| Total domestic deposits to total assets | 89.5602% | 462 |
| Equity capital to assets | 10.1541% | 3,833 |
| Core capital (leverage) ratio | 10.2723% | 3,311 |
| Tier 1 risk-based capital ratio | 13.5480% | 3,551 |
| Total risk-based capital ratio | 14.7691% | 3,472 |
| Memoranda: | ||
| Average total assets | $161,502,330 | 3,244 |
| Average earning assets | $147,344,330 | 3,250 |
| Average equity | $16,222,670 | 3,545 |
| Average total loans | $131,817,330 | 2,843 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1448% | 1,014 |
| Cost of funding earning assets | 0.8361% | 2,345 |
| Net interest margin | 4.3087% | 1,075 |
| Noninterest income to average assets | 0.6320% | 1,899 |
| Noninterest expense to average assets | 3.6828% | 767 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8699% | 3,351 |
| Return on assets (ROA) | 0.8699% | 3,401 |
| Pretax return on assets | 0.8699% | 3,862 |
| Return on Equity (ROE) | 8.7075% | 2,945 |
| Retained earnings to average equity (ytd only) | 2.9025% | 3,777 |
| Net charge-offs to loans | -0.0091% | 4,196 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8928% | 976 |
| Assets per employee ($millions) | 3.4048% | 4,650 |
| Cash dividends to net income (ytd only)* | 66.6667% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,021 |
| Loan loss allowance to noncurrent loans | 235.0400% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 2,771 |
| Noncurrent loans to loans | 0.4764% | 2,885 |
| Net loans and leases to total assets | 79.3689% | 927 |
| Net loans and leases to deposits | 88.3482% | 1,830 |
| Net loans and leases to core deposits | 94.0105% | 2,121 |
| Total domestic deposits to total assets | 89.8365% | 517 |
| Equity capital to assets | 9.9261% | 3,894 |
| Core capital (leverage) ratio | 10.1069% | 3,485 |
| Tier 1 risk-based capital ratio | 13.5649% | 3,574 |
| Total risk-based capital ratio | 14.7957% | 3,493 |
| Memoranda: | ||
| Average total assets | $161,399,500 | 3,283 |
| Average earning assets | $146,867,000 | 3,297 |
| Average equity | $16,124,000 | 3,563 |
| Average total loans | $131,585,000 | 2,886 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9014% | 1,284 |
| Cost of funding earning assets | 0.6681% | 2,281 |
| Net interest margin | 4.2333% | 1,316 |
| Noninterest income to average assets | 1.0617% | 829 |
| Noninterest expense to average assets | 3.6306% | 835 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2574% | 1,952 |
| Return on assets (ROA) | 1.2574% | 1,947 |
| Pretax return on assets | 1.2574% | 2,669 |
| Return on Equity (ROE) | 12.6964% | 1,468 |
| Retained earnings to average equity (ytd only) | 4.6937% | 2,937 |
| Net charge-offs to loans | 0.0101% | 3,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 153.7692% | 553 |
| Efficiency ratio | 74.2762% | 1,592 |
| Assets per employee ($millions) | 3.3909% | 4,666 |
| Cash dividends to net income (ytd only)* | 63.0315% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1107% | 3,032 |
| Loan loss allowance to noncurrent loans | 315.2688% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.3401% | 3,192 |
| Noncurrent loans to loans | 0.3523% | 3,283 |
| Net loans and leases to total assets | 81.8995% | 667 |
| Net loans and leases to deposits | 91.2864% | 1,630 |
| Net loans and leases to core deposits | 99.5030% | 1,754 |
| Total domestic deposits to total assets | 89.7171% | 570 |
| Equity capital to assets | 10.0558% | 3,622 |
| Core capital (leverage) ratio | 10.1176% | 3,436 |
| Tier 1 risk-based capital ratio | 13.2535% | 3,692 |
| Total risk-based capital ratio | 14.4613% | 3,604 |
| Memoranda: | ||
| Average total assets | $158,983,800 | 3,296 |
| Average earning assets | $143,693,200 | 3,326 |
| Average equity | $15,744,600 | 3,543 |
| Average total loans | $128,811,600 | 2,886 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8050% | 1,413 |
| Cost of funding earning assets | 0.6369% | 2,230 |
| Net interest margin | 4.1680% | 1,448 |
| Noninterest income to average assets | 1.1018% | 779 |
| Noninterest expense to average assets | 3.5395% | 933 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3292% | 1,745 |
| Return on assets (ROA) | 1.3292% | 1,754 |
| Pretax return on assets | 1.3292% | 2,508 |
| Return on Equity (ROE) | 13.4740% | 1,274 |
| Retained earnings to average equity (ytd only) | 5.8949% | 2,709 |
| Net charge-offs to loans | 0.0104% | 3,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 158.4359% | 517 |
| Efficiency ratio | 72.6991% | 1,777 |
| Assets per employee ($millions) | 3.5048% | 4,560 |
| Cash dividends to net income (ytd only)* | 56.2499% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1017% | 3,180 |
| Loan loss allowance to noncurrent loans | 716.5854% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.2835% | 3,553 |
| Noncurrent loans to loans | 0.1537% | 4,188 |
| Net loans and leases to total assets | 81.7951% | 749 |
| Net loans and leases to deposits | 90.9888% | 1,758 |
| Net loans and leases to core deposits | 99.2198% | 1,852 |
| Total domestic deposits to total assets | 89.8958% | 542 |
| Equity capital to assets | 9.8840% | 3,754 |
| Core capital (leverage) ratio | 10.2595% | 3,343 |
| Tier 1 risk-based capital ratio | 13.0861% | 3,856 |
| Total risk-based capital ratio | 14.2845% | 3,795 |
| Memoranda: | ||
| Average total assets | $158,887,000 | 3,320 |
| Average earning assets | $143,597,500 | 3,353 |
| Average equity | $15,674,250 | 3,570 |
| Average total loans | $128,017,000 | 2,924 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7830% | 1,298 |
| Cost of funding earning assets | 0.6379% | 1,997 |
| Net interest margin | 4.1450% | 1,424 |
| Noninterest income to average assets | 1.1195% | 763 |
| Noninterest expense to average assets | 3.5444% | 935 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3067% | 1,743 |
| Return on assets (ROA) | 1.3067% | 1,740 |
| Pretax return on assets | 1.3067% | 2,479 |
| Return on Equity (ROE) | 13.2544% | 1,281 |
| Retained earnings to average equity (ytd only) | 6.7362% | 2,194 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0639% | 1,840 |
| Assets per employee ($millions) | 3.3963% | 4,719 |
| Cash dividends to net income (ytd only)* | 49.1772% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 2,982 |
| Loan loss allowance to noncurrent loans | 1,057.1429% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 3,739 |
| Noncurrent loans to loans | 0.1087% | 4,422 |
| Net loans and leases to total assets | 81.4580% | 778 |
| Net loans and leases to deposits | 90.8462% | 1,729 |
| Net loans and leases to core deposits | 98.7285% | 1,834 |
| Total domestic deposits to total assets | 89.6658% | 682 |
| Equity capital to assets | 10.1114% | 3,532 |
| Core capital (leverage) ratio | 10.0681% | 3,505 |
| Tier 1 risk-based capital ratio | 13.3657% | 3,697 |
| Total risk-based capital ratio | 14.6119% | 3,620 |
| Memoranda: | ||
| Average total assets | $158,109,330 | 3,341 |
| Average earning assets | $142,338,670 | 3,384 |
| Average equity | $15,587,330 | 3,602 |
| Average total loans | $126,243,000 | 2,964 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6798% | 1,353 |
| Cost of funding earning assets | 0.6296% | 1,848 |
| Net interest margin | 4.0502% | 1,563 |
| Noninterest income to average assets | 1.1393% | 719 |
| Noninterest expense to average assets | 3.6014% | 873 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1619% | 2,169 |
| Return on assets (ROA) | 1.1619% | 2,182 |
| Pretax return on assets | 1.1619% | 2,925 |
| Return on Equity (ROE) | 11.9361% | 1,599 |
| Retained earnings to average equity (ytd only) | 7.5957% | 1,991 |
| Net charge-offs to loans | 0.0064% | 2,505 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 289 |
| Efficiency ratio | 75.6072% | 1,651 |
| Assets per employee ($millions) | 3.2750% | 4,925 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1855% | 2,897 |
| Loan loss allowance to noncurrent loans | 998.6486% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.2542% | 3,846 |
| Noncurrent loans to loans | 0.1187% | 4,430 |
| Net loans and leases to total assets | 76.7668% | 1,415 |
| Net loans and leases to deposits | 86.7719% | 2,075 |
| Net loans and leases to core deposits | 96.9168% | 1,909 |
| Total domestic deposits to total assets | 88.4697% | 1,369 |
| Equity capital to assets | 9.7157% | 3,870 |
| Core capital (leverage) ratio | 9.7361% | 3,814 |
| Tier 1 risk-based capital ratio | 13.5200% | 3,643 |
| Total risk-based capital ratio | 14.7707% | 3,552 |
| Memoranda: | ||
| Average total assets | $159,049,500 | 3,373 |
| Average earning assets | $142,312,500 | 3,419 |
| Average equity | $15,482,500 | 3,649 |
| Average total loans | $124,994,000 | 2,999 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6712% | 1,255 |
| Cost of funding earning assets | 0.5911% | 1,664 |
| Net interest margin | 4.0801% | 1,506 |
| Noninterest income to average assets | 1.2626% | 667 |
| Noninterest expense to average assets | 3.7147% | 777 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2254% | 1,443 |
| Return on assets (ROA) | 1.2254% | 1,462 |
| Pretax return on assets | 1.2254% | 2,661 |
| Return on Equity (ROE) | 12.5864% | 1,061 |
| Retained earnings to average equity (ytd only) | 4.4306% | 2,500 |
| Net charge-offs to loans | 0.0008% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1,909.0000% | 33 |
| Efficiency ratio | 75.1949% | 1,734 |
| Assets per employee ($millions) | 3.3540% | 4,871 |
| Cash dividends to net income (ytd only)* | 64.7983% | 1,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1810% | 2,894 |
| Loan loss allowance to noncurrent loans | 886.2275% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.3305% | 3,549 |
| Noncurrent loans to loans | 0.1333% | 4,394 |
| Net loans and leases to total assets | 78.5597% | 1,210 |
| Net loans and leases to deposits | 88.8953% | 1,910 |
| Net loans and leases to core deposits | 97.0434% | 1,945 |
| Total domestic deposits to total assets | 88.3734% | 1,315 |
| Equity capital to assets | 9.7591% | 3,955 |
| Core capital (leverage) ratio | 9.7898% | 3,709 |
| Tier 1 risk-based capital ratio | 13.2789% | 3,749 |
| Total risk-based capital ratio | 14.5292% | 3,670 |
| Memoranda: | ||
| Average total assets | $155,787,600 | 3,406 |
| Average earning assets | $140,414,600 | 3,445 |
| Average equity | $15,167,200 | 3,701 |
| Average total loans | $119,788,800 | 3,065 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6531% | 1,241 |
| Cost of funding earning assets | 0.5901% | 1,603 |
| Net interest margin | 4.0631% | 1,503 |
| Noninterest income to average assets | 1.2807% | 650 |
| Noninterest expense to average assets | 3.6147% | 852 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3365% | 1,232 |
| Return on assets (ROA) | 1.3365% | 1,259 |
| Pretax return on assets | 1.3365% | 2,339 |
| Return on Equity (ROE) | 13.7362% | 891 |
| Retained earnings to average equity (ytd only) | 6.5373% | 1,947 |
| Net charge-offs to loans | -0.0023% | 4,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0062% | 2,041 |
| Assets per employee ($millions) | 3.2468% | 5,014 |
| Cash dividends to net income (ytd only)* | 52.4083% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2190% | 2,814 |
| Loan loss allowance to noncurrent loans | 899.3939% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.3869% | 3,475 |
| Noncurrent loans to loans | 0.1355% | 4,514 |
| Net loans and leases to total assets | 77.1650% | 1,402 |
| Net loans and leases to deposits | 87.5794% | 2,121 |
| Net loans and leases to core deposits | 96.1464% | 2,055 |
| Total domestic deposits to total assets | 88.1086% | 1,307 |
| Equity capital to assets | 9.9548% | 3,956 |
| Core capital (leverage) ratio | 10.0202% | 3,543 |
| Tier 1 risk-based capital ratio | 13.7017% | 3,576 |
| Total risk-based capital ratio | 14.9522% | 3,508 |
| Memoranda: | ||
| Average total assets | $155,325,000 | 3,441 |
| Average earning assets | $140,317,750 | 3,477 |
| Average equity | $15,113,000 | 3,741 |
| Average total loans | $118,406,000 | 3,103 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5371% | 1,420 |
| Cost of funding earning assets | 0.5884% | 1,522 |
| Net interest margin | 3.9488% | 1,781 |
| Noninterest income to average assets | 1.1550% | 757 |
| Noninterest expense to average assets | 3.5630% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1563% | 1,759 |
| Return on assets (ROA) | 1.1563% | 1,800 |
| Pretax return on assets | 1.1563% | 2,952 |
| Return on Equity (ROE) | 11.9765% | 1,307 |
| Retained earnings to average equity (ytd only) | 5.8748% | 2,187 |
| Net charge-offs to loans | -0.0034% | 4,254 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4985% | 1,800 |
| Assets per employee ($millions) | 3.1938% | 5,107 |
| Cash dividends to net income (ytd only)* | 50.9476% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2363% | 2,783 |
| Loan loss allowance to noncurrent loans | 842.6136% | 656 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 3,500 |
| Noncurrent loans to loans | 0.1467% | 4,524 |
| Net loans and leases to total assets | 77.2780% | 1,352 |
| Net loans and leases to deposits | 87.7593% | 2,017 |
| Net loans and leases to core deposits | 94.4713% | 2,110 |
| Total domestic deposits to total assets | 88.0568% | 1,428 |
| Equity capital to assets | 9.9419% | 3,985 |
| Core capital (leverage) ratio | 9.9674% | 3,576 |
| Tier 1 risk-based capital ratio | 13.2043% | 3,876 |
| Total risk-based capital ratio | 14.4543% | 3,777 |
| Memoranda: | ||
| Average total assets | $155,152,000 | 3,451 |
| Average earning assets | $140,044,000 | 3,496 |
| Average equity | $14,979,330 | 3,765 |
| Average total loans | $117,294,330 | 3,130 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4103% | 1,618 |
| Cost of funding earning assets | 0.5903% | 1,439 |
| Net interest margin | 3.8200% | 2,042 |
| Noninterest income to average assets | 1.0687% | 876 |
| Noninterest expense to average assets | 3.5188% | 1,017 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9995% | 2,307 |
| Return on assets (ROA) | 0.9995% | 2,356 |
| Pretax return on assets | 0.9995% | 3,374 |
| Return on Equity (ROE) | 10.5061% | 1,737 |
| Retained earnings to average equity (ytd only) | 6.1690% | 2,244 |
| Net charge-offs to loans | 0.0103% | 2,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 130.0000% | 423 |
| Efficiency ratio | 77.8786% | 1,646 |
| Assets per employee ($millions) | 3.2104% | 5,151 |
| Cash dividends to net income (ytd only)* | 41.2821% | 1,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 2,637 |
| Loan loss allowance to noncurrent loans | 786.7021% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.3589% | 3,765 |
| Noncurrent loans to loans | 0.1627% | 4,533 |
| Net loans and leases to total assets | 74.0260% | 1,738 |
| Net loans and leases to deposits | 84.4555% | 2,225 |
| Net loans and leases to core deposits | 89.6047% | 2,387 |
| Total domestic deposits to total assets | 87.6509% | 1,917 |
| Equity capital to assets | 9.7190% | 4,048 |
| Core capital (leverage) ratio | 9.5108% | 4,115 |
| Tier 1 risk-based capital ratio | 13.2373% | 3,919 |
| Total risk-based capital ratio | 14.4878% | 3,842 |
| Memoranda: | ||
| Average total assets | $156,077,500 | 3,473 |
| Average earning assets | $140,943,500 | 3,513 |
| Average equity | $14,848,500 | 3,800 |
| Average total loans | $115,966,000 | 3,169 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6515% | 1,165 |
| Cost of funding earning assets | 0.6056% | 1,297 |
| Net interest margin | 4.0458% | 1,508 |
| Noninterest income to average assets | 1.3846% | 595 |
| Noninterest expense to average assets | 3.7281% | 849 |
| Loan and lease loss provision to assets | 0.0151% | 4,070 |
| Net operating income to assets | 1.2626% | 1,320 |
| Return on assets (ROA) | 1.2626% | 1,397 |
| Pretax return on assets | 1.2626% | 2,425 |
| Return on Equity (ROE) | 13.2609% | 933 |
| Retained earnings to average equity (ytd only) | 4.7144% | 2,543 |
| Net charge-offs to loans | 0.0043% | 4,097 |
| Credit loss provision to net charge-offs | 460.0000% | 704 |
| Earnings coverage of net charge-offs (x) | 389.4000% | 209 |
| Efficiency ratio | 74.4756% | 2,228 |
| Assets per employee ($millions) | 3.1611% | 5,205 |
| Cash dividends to net income (ytd only)* | 64.4491% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,688 |
| Loan loss allowance to noncurrent loans | 741.0000% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 3,693 |
| Noncurrent loans to loans | 0.1719% | 4,548 |
| Net loans and leases to total assets | 72.6940% | 2,065 |
| Net loans and leases to deposits | 82.4530% | 2,613 |
| Net loans and leases to core deposits | 90.7493% | 2,435 |
| Total domestic deposits to total assets | 88.1641% | 1,553 |
| Equity capital to assets | 9.3348% | 4,438 |
| Core capital (leverage) ratio | 9.4703% | 4,124 |
| Tier 1 risk-based capital ratio | 12.9049% | 4,129 |
| Total risk-based capital ratio | 14.1551% | 4,027 |
| Memoranda: | ||
| Average total assets | $152,385,200 | 3,480 |
| Average earning assets | $136,387,200 | 3,549 |
| Average equity | $14,508,800 | 3,872 |
| Average total loans | $117,211,200 | 3,109 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7142% | 1,038 |
| Cost of funding earning assets | 0.6005% | 1,325 |
| Net interest margin | 4.1137% | 1,361 |
| Noninterest income to average assets | 1.2974% | 688 |
| Noninterest expense to average assets | 3.6810% | 880 |
| Loan and lease loss provision to assets | 0.0327% | 3,577 |
| Net operating income to assets | 1.2559% | 1,433 |
| Return on assets (ROA) | 1.2559% | 1,540 |
| Pretax return on assets | 1.2559% | 2,597 |
| Return on Equity (ROE) | 13.1230% | 1,019 |
| Retained earnings to average equity (ytd only) | 4.9834% | 2,841 |
| Net charge-offs to loans | 0.0238% | 3,194 |
| Credit loss provision to net charge-offs | 176.1905% | 1,584 |
| Earnings coverage of net charge-offs (x) | 69.4743% | 862 |
| Efficiency ratio | 74.0714% | 2,269 |
| Assets per employee ($millions) | 3.0570% | 5,333 |
| Cash dividends to net income (ytd only)* | 62.0254% | 1,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2275% | 3,079 |
| Loan loss allowance to noncurrent loans | 697.6415% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.4704% | 3,547 |
| Noncurrent loans to loans | 0.1760% | 4,645 |
| Net loans and leases to total assets | 77.8597% | 1,225 |
| Net loans and leases to deposits | 88.7026% | 1,930 |
| Net loans and leases to core deposits | 97.9965% | 1,818 |
| Total domestic deposits to total assets | 87.7761% | 1,515 |
| Equity capital to assets | 9.6436% | 4,522 |
| Core capital (leverage) ratio | 9.7374% | 3,891 |
| Tier 1 risk-based capital ratio | 12.4161% | 4,525 |
| Total risk-based capital ratio | 13.6665% | 4,426 |
| Memoranda: | ||
| Average total assets | $150,968,250 | 3,524 |
| Average earning assets | $134,765,500 | 3,592 |
| Average equity | $14,447,500 | 3,919 |
| Average total loans | $117,419,750 | 3,112 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7521% | 953 |
| Cost of funding earning assets | 0.6002% | 1,312 |
| Net interest margin | 4.1519% | 1,217 |
| Noninterest income to average assets | 1.1467% | 848 |
| Noninterest expense to average assets | 3.7129% | 861 |
| Loan and lease loss provision to assets | 0.0266% | 3,597 |
| Net operating income to assets | 1.1068% | 1,933 |
| Return on assets (ROA) | 1.1068% | 2,057 |
| Pretax return on assets | 1.1068% | 3,171 |
| Return on Equity (ROE) | 11.5958% | 1,448 |
| Retained earnings to average equity (ytd only) | 3.9861% | 3,366 |
| Net charge-offs to loans | 0.0481% | 2,520 |
| Credit loss provision to net charge-offs | 71.4286% | 2,459 |
| Earnings coverage of net charge-offs (x) | 30.4286% | 1,380 |
| Efficiency ratio | 76.6127% | 1,993 |
| Assets per employee ($millions) | 3.0294% | 5,393 |
| Cash dividends to net income (ytd only)* | 65.6250% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2401% | 3,132 |
| Loan loss allowance to noncurrent loans | 822.0339% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.4516% | 3,705 |
| Noncurrent loans to loans | 0.1509% | 4,833 |
| Net loans and leases to total assets | 76.5021% | 1,412 |
| Net loans and leases to deposits | 87.2285% | 2,106 |
| Net loans and leases to core deposits | 97.3462% | 1,858 |
| Total domestic deposits to total assets | 87.7031% | 1,568 |
| Equity capital to assets | 9.5756% | 4,695 |
| Core capital (leverage) ratio | 9.3651% | 4,382 |
| Tier 1 risk-based capital ratio | 12.4385% | 4,566 |
| Total risk-based capital ratio | 13.6890% | 4,479 |
| Memoranda: | ||
| Average total assets | $150,341,670 | 3,556 |
| Average earning assets | $133,963,000 | 3,630 |
| Average equity | $14,350,000 | 3,948 |
| Average total loans | $116,397,670 | 3,134 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 922 |
| Cost of funding earning assets | 0.6098% | 1,277 |
| Net interest margin | 4.1517% | 1,213 |
| Noninterest income to average assets | 0.9961% | 1,082 |
| Noninterest expense to average assets | 3.7095% | 885 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9774% | 2,382 |
| Return on assets (ROA) | 0.9774% | 2,493 |
| Pretax return on assets | 0.9774% | 3,560 |
| Return on Equity (ROE) | 10.2571% | 1,871 |
| Retained earnings to average equity (ytd only) | 5.1005% | 2,872 |
| Net charge-offs to loans | 0.0069% | 2,884 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 183.0000% | 332 |
| Efficiency ratio | 79.1453% | 1,722 |
| Assets per employee ($millions) | 3.0336% | 5,475 |
| Cash dividends to net income (ytd only)* | 50.2732% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 3,083 |
| Loan loss allowance to noncurrent loans | 297.1545% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.7331% | 2,885 |
| Noncurrent loans to loans | 0.4258% | 3,918 |
| Net loans and leases to total assets | 75.2087% | 1,516 |
| Net loans and leases to deposits | 86.2219% | 2,039 |
| Net loans and leases to core deposits | 94.4462% | 1,944 |
| Total domestic deposits to total assets | 87.2269% | 2,088 |
| Equity capital to assets | 9.4786% | 4,682 |
| Core capital (leverage) ratio | 9.5017% | 4,193 |
| Tier 1 risk-based capital ratio | 12.3670% | 4,679 |
| Total risk-based capital ratio | 13.6177% | 4,576 |
| Memoranda: | ||
| Average total assets | $149,778,000 | 3,585 |
| Average earning assets | $133,149,500 | 3,665 |
| Average equity | $14,273,000 | 3,972 |
| Average total loans | $115,930,500 | 3,147 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7387% | 1,027 |
| Cost of funding earning assets | 0.5983% | 1,363 |
| Net interest margin | 4.1403% | 1,308 |
| Noninterest income to average assets | 1.4215% | 596 |
| Noninterest expense to average assets | 3.9930% | 676 |
| Loan and lease loss provision to assets | 0.0405% | 3,526 |
| Net operating income to assets | 1.1075% | 1,887 |
| Return on assets (ROA) | 1.1075% | 1,954 |
| Pretax return on assets | 1.1075% | 3,013 |
| Return on Equity (ROE) | 11.7133% | 1,380 |
| Retained earnings to average equity (ytd only) | 4.0211% | 3,161 |
| Net charge-offs to loans | 0.0845% | 2,629 |
| Credit loss provision to net charge-offs | 62.5000% | 3,231 |
| Earnings coverage of net charge-offs (x) | 17.7083% | 2,056 |
| Efficiency ratio | 77.3283% | 2,071 |
| Assets per employee ($millions) | 2.8996% | 5,614 |
| Cash dividends to net income (ytd only)* | 65.6707% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2577% | 3,123 |
| Loan loss allowance to noncurrent loans | 162.7364% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.9271% | 2,348 |
| Noncurrent loans to loans | 0.7728% | 2,859 |
| Net loans and leases to total assets | 77.6728% | 1,170 |
| Net loans and leases to deposits | 89.1979% | 1,720 |
| Net loans and leases to core deposits | 97.7432% | 1,691 |
| Total domestic deposits to total assets | 87.0792% | 2,088 |
| Equity capital to assets | 9.5815% | 4,461 |
| Core capital (leverage) ratio | 9.3253% | 4,433 |
| Tier 1 risk-based capital ratio | 12.1703% | 4,845 |
| Total risk-based capital ratio | 13.4206% | 4,749 |
| Memoranda: | ||
| Average total assets | $148,083,600 | 3,601 |
| Average earning assets | $133,033,000 | 3,647 |
| Average equity | $14,001,200 | 3,974 |
| Average total loans | $113,637,600 | 3,142 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6865% | 1,121 |
| Cost of funding earning assets | 0.5930% | 1,450 |
| Net interest margin | 4.0936% | 1,421 |
| Noninterest income to average assets | 1.4239% | 611 |
| Noninterest expense to average assets | 3.8964% | 748 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1998% | 1,654 |
| Return on assets (ROA) | 1.1998% | 1,716 |
| Pretax return on assets | 1.1998% | 2,821 |
| Return on Equity (ROE) | 12.7320% | 1,190 |
| Retained earnings to average equity (ytd only) | 5.5016% | 2,575 |
| Net charge-offs to loans | 0.0071% | 3,922 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 222.1613% | 325 |
| Efficiency ratio | 76.0155% | 2,250 |
| Assets per employee ($millions) | 2.9470% | 5,604 |
| Cash dividends to net income (ytd only)* | 56.7893% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2724% | 3,246 |
| Loan loss allowance to noncurrent loans | 186.3636% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.7565% | 3,008 |
| Noncurrent loans to loans | 0.6828% | 3,274 |
| Net loans and leases to total assets | 76.1973% | 1,359 |
| Net loans and leases to deposits | 87.7934% | 1,931 |
| Net loans and leases to core deposits | 95.9524% | 1,887 |
| Total domestic deposits to total assets | 86.7916% | 2,143 |
| Equity capital to assets | 9.4665% | 4,793 |
| Core capital (leverage) ratio | 9.5155% | 4,283 |
| Tier 1 risk-based capital ratio | 12.2483% | 4,927 |
| Total risk-based capital ratio | 13.4984% | 4,822 |
| Memoranda: | ||
| Average total assets | $148,135,000 | 3,629 |
| Average earning assets | $132,887,750 | 3,679 |
| Average equity | $13,959,250 | 4,026 |
| Average total loans | $112,966,000 | 3,182 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 1,113 |
| Cost of funding earning assets | 0.5953% | 1,450 |
| Net interest margin | 4.0856% | 1,384 |
| Noninterest income to average assets | 1.3839% | 653 |
| Noninterest expense to average assets | 3.9820% | 689 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0610% | 2,094 |
| Return on assets (ROA) | 1.0610% | 2,205 |
| Pretax return on assets | 1.0610% | 3,337 |
| Return on Equity (ROE) | 11.2764% | 1,596 |
| Retained earnings to average equity (ytd only) | 5.4219% | 2,586 |
| Net charge-offs to loans | 0.0036% | 3,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 391.0000% | 174 |
| Efficiency ratio | 78.4504% | 1,993 |
| Assets per employee ($millions) | 2.8265% | 5,794 |
| Cash dividends to net income (ytd only)* | 51.9182% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 3,212 |
| Loan loss allowance to noncurrent loans | 253.4247% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.7130% | 3,257 |
| Noncurrent loans to loans | 0.5155% | 3,910 |
| Net loans and leases to total assets | 76.0752% | 1,359 |
| Net loans and leases to deposits | 88.1153% | 1,824 |
| Net loans and leases to core deposits | 95.5152% | 1,845 |
| Total domestic deposits to total assets | 86.3360% | 2,512 |
| Equity capital to assets | 9.5586% | 4,585 |
| Core capital (leverage) ratio | 9.3001% | 4,552 |
| Tier 1 risk-based capital ratio | 12.5498% | 4,775 |
| Total risk-based capital ratio | 13.8008% | 4,692 |
| Memoranda: | ||
| Average total assets | $147,414,000 | 3,666 |
| Average earning assets | $132,024,330 | 3,721 |
| Average equity | $13,869,670 | 4,066 |
| Average total loans | $111,955,000 | 3,209 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6381% | 1,150 |
| Cost of funding earning assets | 0.5915% | 1,493 |
| Net interest margin | 4.0466% | 1,421 |
| Noninterest income to average assets | 1.1109% | 919 |
| Noninterest expense to average assets | 3.9829% | 707 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7424% | 3,585 |
| Return on assets (ROA) | 0.7424% | 3,711 |
| Pretax return on assets | 0.7424% | 4,459 |
| Return on Equity (ROE) | 7.9536% | 2,979 |
| Retained earnings to average equity (ytd only) | 3.9768% | 3,613 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7729% | 1,405 |
| Assets per employee ($millions) | 2.9324% | 5,751 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 3,204 |
| Loan loss allowance to noncurrent loans | 260.9155% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 3,546 |
| Noncurrent loans to loans | 0.5128% | 4,037 |
| Net loans and leases to total assets | 73.0806% | 1,641 |
| Net loans and leases to deposits | 84.3322% | 2,024 |
| Net loans and leases to core deposits | 92.9085% | 1,861 |
| Total domestic deposits to total assets | 86.6580% | 2,570 |
| Equity capital to assets | 9.2618% | 5,012 |
| Core capital (leverage) ratio | 9.1628% | 4,773 |
| Tier 1 risk-based capital ratio | 12.5774% | 4,850 |
| Total risk-based capital ratio | 13.8287% | 4,768 |
| Memoranda: | ||
| Average total assets | $147,632,500 | 3,687 |
| Average earning assets | $131,864,500 | 3,750 |
| Average equity | $13,780,000 | 4,113 |
| Average total loans | $111,286,000 | 3,243 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0992% | 636 |
| Cost of funding earning assets | 0.5939% | 1,813 |
| Net interest margin | 4.5053% | 740 |
| Noninterest income to average assets | 1.3758% | 648 |
| Noninterest expense to average assets | 4.3590% | 521 |
| Loan and lease loss provision to assets | 0.1371% | 1,918 |
| Net operating income to assets | 0.8683% | 3,029 |
| Return on assets (ROA) | 0.8683% | 3,122 |
| Pretax return on assets | 0.8683% | 4,008 |
| Return on Equity (ROE) | 8.7086% | 2,726 |
| Retained earnings to average equity (ytd only) | 2.4052% | 4,524 |
| Net charge-offs to loans | 0.0673% | 3,518 |
| Credit loss provision to net charge-offs | 267.1429% | 959 |
| Earnings coverage of net charge-offs (x) | 19.5857% | 1,774 |
| Efficiency ratio | 80.7382% | 1,817 |
| Assets per employee ($millions) | 2.8572% | 5,881 |
| Cash dividends to net income (ytd only)* | 72.3818% | 1,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3256% | 3,291 |
| Loan loss allowance to noncurrent loans | 270.4380% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.6986% | 3,476 |
| Noncurrent loans to loans | 0.4902% | 4,191 |
| Net loans and leases to total assets | 75.7067% | 1,314 |
| Net loans and leases to deposits | 87.6177% | 1,780 |
| Net loans and leases to core deposits | 96.8126% | 1,652 |
| Total domestic deposits to total assets | 86.4057% | 2,617 |
| Equity capital to assets | 9.4081% | 4,829 |
| Core capital (leverage) ratio | 9.2235% | 4,645 |
| Tier 1 risk-based capital ratio | 12.3817% | 5,103 |
| Total risk-based capital ratio | 13.6332% | 5,027 |
| Memoranda: | ||
| Average total assets | $136,361,600 | 3,870 |
| Average earning assets | $120,725,800 | 3,949 |
| Average equity | $13,595,800 | 4,090 |
| Average total loans | $103,978,400 | 3,344 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1436% | 586 |
| Cost of funding earning assets | 0.5813% | 2,008 |
| Net interest margin | 4.5623% | 666 |
| Noninterest income to average assets | 1.4286% | 617 |
| Noninterest expense to average assets | 4.3792% | 516 |
| Loan and lease loss provision to assets | 0.1273% | 1,968 |
| Net operating income to assets | 0.9590% | 2,647 |
| Return on assets (ROA) | 0.9590% | 2,723 |
| Pretax return on assets | 0.9590% | 3,763 |
| Return on Equity (ROE) | 9.4734% | 2,459 |
| Retained earnings to average equity (ytd only) | 3.6753% | 4,027 |
| Net charge-offs to loans | 0.0928% | 2,886 |
| Credit loss provision to net charge-offs | 180.2817% | 1,384 |
| Earnings coverage of net charge-offs (x) | 15.3809% | 2,054 |
| Efficiency ratio | 79.6141% | 1,976 |
| Assets per employee ($millions) | 2.7781% | 5,991 |
| Cash dividends to net income (ytd only)* | 61.2036% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3010% | 3,639 |
| Loan loss allowance to noncurrent loans | 461.3636% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 4,208 |
| Noncurrent loans to loans | 0.2820% | 5,065 |
| Net loans and leases to total assets | 76.0871% | 1,212 |
| Net loans and leases to deposits | 88.7806% | 1,578 |
| Net loans and leases to core deposits | 98.1026% | 1,522 |
| Total domestic deposits to total assets | 85.7024% | 3,013 |
| Equity capital to assets | 9.7282% | 4,518 |
| Core capital (leverage) ratio | 9.5930% | 4,255 |
| Tier 1 risk-based capital ratio | 12.8887% | 4,924 |
| Total risk-based capital ratio | 14.1407% | 4,840 |
| Memoranda: | ||
| Average total assets | $134,023,250 | 3,938 |
| Average earning assets | $118,592,000 | 4,026 |
| Average equity | $13,567,500 | 4,116 |
| Average total loans | $102,023,500 | 3,411 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0292% | 712 |
| Cost of funding earning assets | 0.5555% | 2,301 |
| Net interest margin | 4.4737% | 744 |
| Noninterest income to average assets | 1.1470% | 897 |
| Noninterest expense to average assets | 4.1834% | 612 |
| Loan and lease loss provision to assets | 0.1293% | 1,907 |
| Net operating income to assets | 0.7789% | 3,431 |
| Return on assets (ROA) | 0.7789% | 3,534 |
| Pretax return on assets | 0.7789% | 4,351 |
| Return on Equity (ROE) | 7.5876% | 3,325 |
| Retained earnings to average equity (ytd only) | 2.8602% | 4,386 |
| Net charge-offs to loans | 0.0161% | 3,907 |
| Credit loss provision to net charge-offs | 1,062.5000% | 312 |
| Earnings coverage of net charge-offs (x) | 74.6250% | 702 |
| Efficiency ratio | 81.5955% | 1,795 |
| Assets per employee ($millions) | 2.8136% | 6,013 |
| Cash dividends to net income (ytd only)* | 62.3047% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 3,676 |
| Loan loss allowance to noncurrent loans | 76.8657% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.5944% | 2,055 |
| Noncurrent loans to loans | 1.7349% | 1,988 |
| Net loans and leases to total assets | 75.8395% | 1,191 |
| Net loans and leases to deposits | 88.4316% | 1,543 |
| Net loans and leases to core deposits | 94.7623% | 1,707 |
| Total domestic deposits to total assets | 85.7606% | 3,174 |
| Equity capital to assets | 9.7029% | 4,489 |
| Core capital (leverage) ratio | 10.3268% | 3,171 |
| Tier 1 risk-based capital ratio | 12.7007% | 5,087 |
| Total risk-based capital ratio | 13.9523% | 5,030 |
| Memoranda: | ||
| Average total assets | $131,470,670 | 4,006 |
| Average earning assets | $115,922,000 | 4,111 |
| Average equity | $13,495,670 | 4,133 |
| Average total loans | $99,624,000 | 3,461 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0409% | 671 |
| Cost of funding earning assets | 0.5625% | 2,317 |
| Net interest margin | 4.4784% | 683 |
| Noninterest income to average assets | 1.0468% | 1,020 |
| Noninterest expense to average assets | 4.3479% | 528 |
| Loan and lease loss provision to assets | 0.0158% | 3,621 |
| Net operating income to assets | 0.5991% | 4,206 |
| Return on assets (ROA) | 0.5991% | 4,286 |
| Pretax return on assets | 0.5991% | 4,834 |
| Return on Equity (ROE) | 5.6638% | 4,200 |
| Retained earnings to average equity (ytd only) | 2.3251% | 4,670 |
| Net charge-offs to loans | 0.0461% | 2,741 |
| Credit loss provision to net charge-offs | 45.4545% | 2,254 |
| Earnings coverage of net charge-offs (x) | 17.7273% | 1,446 |
| Efficiency ratio | 87.0394% | 1,335 |
| Assets per employee ($millions) | 2.6632% | 6,238 |
| Cash dividends to net income (ytd only)* | 58.9474% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 3,521 |
| Loan loss allowance to noncurrent loans | 51.8900% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 2.3218% | 1,408 |
| Noncurrent loans to loans | 2.7287% | 1,233 |
| Net loans and leases to total assets | 74.0179% | 1,263 |
| Net loans and leases to deposits | 84.0462% | 1,816 |
| Net loans and leases to core deposits | 88.4233% | 2,050 |
| Total domestic deposits to total assets | 88.0681% | 2,197 |
| Equity capital to assets | 10.5410% | 3,209 |
| Core capital (leverage) ratio | 10.4012% | 3,042 |
| Tier 1 risk-based capital ratio | 14.0471% | 4,306 |
| Total risk-based capital ratio | 15.1822% | 4,315 |
| Memoranda: | ||
| Average total assets | $126,866,000 | 4,127 |
| Average earning assets | $110,932,000 | 4,250 |
| Average equity | $13,418,500 | 4,164 |
| Average total loans | $95,369,500 | 3,575 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3625% | 470 |
| Cost of funding earning assets | 0.5660% | 2,967 |
| Net interest margin | 4.7965% | 434 |
| Noninterest income to average assets | 1.9956% | 391 |
| Noninterest expense to average assets | 4.4662% | 539 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.6331% | 647 |
| Return on assets (ROA) | 1.6331% | 663 |
| Pretax return on assets | 1.6331% | 1,095 |
| Return on Equity (ROE) | 14.6585% | 820 |
| Retained earnings to average equity (ytd only) | 6.5458% | 1,656 |
| Net charge-offs to loans | 0.1957% | 2,898 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 11.5833% | 2,223 |
| Efficiency ratio | 72.7023% | 3,349 |
| Assets per employee ($millions) | 2.6787% | 6,244 |
| Cash dividends to net income (ytd only)* | 55.3443% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 3,461 |
| Loan loss allowance to noncurrent loans | 52.4798% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 2.3185% | 1,511 |
| Noncurrent loans to loans | 2.7448% | 1,306 |
| Net loans and leases to total assets | 74.1831% | 1,316 |
| Net loans and leases to deposits | 84.3616% | 1,882 |
| Net loans and leases to core deposits | 89.1148% | 2,127 |
| Total domestic deposits to total assets | 87.9347% | 2,213 |
| Equity capital to assets | 10.6134% | 3,030 |
| Core capital (leverage) ratio | 10.8533% | 2,520 |
| Tier 1 risk-based capital ratio | 14.0006% | 4,298 |
| Total risk-based capital ratio | 15.2535% | 4,233 |
| Memoranda: | ||
| Average total assets | $119,161,800 | 4,292 |
| Average earning assets | $101,948,800 | 4,460 |
| Average equity | $13,275,600 | 4,210 |
| Average total loans | $85,826,800 | 3,782 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4911% | 380 |
| Cost of funding earning assets | 0.5859% | 2,940 |
| Net interest margin | 4.9053% | 363 |
| Noninterest income to average assets | 2.1643% | 372 |
| Noninterest expense to average assets | 4.3389% | 606 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.0066% | 360 |
| Return on assets (ROA) | 2.0066% | 370 |
| Pretax return on assets | 2.0066% | 570 |
| Return on Equity (ROE) | 17.7853% | 458 |
| Retained earnings to average equity (ytd only) | 9.2247% | 991 |
| Net charge-offs to loans | -0.0064% | 5,813 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8769% | 4,121 |
| Assets per employee ($millions) | 2.3681% | 6,561 |
| Cash dividends to net income (ytd only)* | 48.1336% | 1,955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8024% | 2,298 |
| Loan loss allowance to noncurrent loans | 67.9329% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 2.2631% | 1,752 |
| Noncurrent loans to loans | 2.6532% | 1,589 |
| Net loans and leases to total assets | 72.2132% | 1,568 |
| Net loans and leases to deposits | 83.1034% | 1,988 |
| Net loans and leases to core deposits | 87.1012% | 2,272 |
| Total domestic deposits to total assets | 86.8956% | 2,750 |
| Equity capital to assets | 11.5687% | 2,249 |
| Core capital (leverage) ratio | 11.2881% | 2,207 |
| Tier 1 risk-based capital ratio | 13.3122% | 4,896 |
| Total risk-based capital ratio | 14.4537% | 4,925 |
| Memoranda: | ||
| Average total assets | $117,477,750 | 4,370 |
| Average earning assets | $100,135,000 | 4,557 |
| Average equity | $13,254,000 | 4,260 |
| Average total loans | $83,593,500 | 3,867 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4300% | 423 |
| Cost of funding earning assets | 0.6138% | 2,813 |
| Net interest margin | 4.8162% | 423 |
| Noninterest income to average assets | 2.3992% | 340 |
| Noninterest expense to average assets | 4.2642% | 648 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.2059% | 254 |
| Return on assets (ROA) | 2.2059% | 270 |
| Pretax return on assets | 2.2059% | 408 |
| Return on Equity (ROE) | 19.7161% | 326 |
| Retained earnings to average equity (ytd only) | 10.8961% | 662 |
| Net charge-offs to loans | -0.0120% | 5,815 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4088% | 4,651 |
| Assets per employee ($millions) | 2.3841% | 6,589 |
| Cash dividends to net income (ytd only)* | 44.7348% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8824% | 2,164 |
| Loan loss allowance to noncurrent loans | 78.9636% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.9782% | 2,178 |
| Noncurrent loans to loans | 2.3839% | 1,973 |
| Net loans and leases to total assets | 68.6674% | 2,112 |
| Net loans and leases to deposits | 79.6106% | 2,379 |
| Net loans and leases to core deposits | 83.5778% | 2,615 |
| Total domestic deposits to total assets | 86.2542% | 3,231 |
| Equity capital to assets | 11.4842% | 2,309 |
| Core capital (leverage) ratio | 11.0185% | 2,337 |
| Tier 1 risk-based capital ratio | 13.4523% | 4,805 |
| Total risk-based capital ratio | 14.7074% | 4,756 |
| Memoranda: | ||
| Average total assets | $117,958,000 | 4,391 |
| Average earning assets | $99,706,000 | 4,591 |
| Average equity | $13,197,330 | 4,298 |
| Average total loans | $83,014,000 | 3,899 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4115% | 427 |
| Cost of funding earning assets | 0.6452% | 2,705 |
| Net interest margin | 4.7663% | 425 |
| Noninterest income to average assets | 2.4805% | 324 |
| Noninterest expense to average assets | 4.3535% | 604 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1160% | 283 |
| Return on assets (ROA) | 2.1160% | 309 |
| Pretax return on assets | 2.1160% | 474 |
| Return on Equity (ROE) | 19.1626% | 347 |
| Retained earnings to average equity (ytd only) | 12.1944% | 671 |
| Net charge-offs to loans | 0.0096% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 313.5000% | 123 |
| Efficiency ratio | 66.8232% | 4,515 |
| Assets per employee ($millions) | 2.3790% | 6,672 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7989% | 2,626 |
| Loan loss allowance to noncurrent loans | 101.3236% | 3,321 |
| Noncurrent assets plus other real estate owned to assets | 1.7243% | 2,707 |
| Noncurrent loans to loans | 1.7754% | 2,899 |
| Net loans and leases to total assets | 71.6983% | 1,400 |
| Net loans and leases to deposits | 83.0696% | 1,703 |
| Net loans and leases to core deposits | 87.2112% | 1,989 |
| Total domestic deposits to total assets | 86.3111% | 3,349 |
| Equity capital to assets | 11.4138% | 2,499 |
| Core capital (leverage) ratio | 10.6870% | 2,564 |
| Tier 1 risk-based capital ratio | 12.6660% | 5,457 |
| Total risk-based capital ratio | 13.9203% | 5,409 |
| Memoranda: | ||
| Average total assets | $118,526,500 | 4,426 |
| Average earning assets | $99,197,000 | 4,652 |
| Average equity | $13,088,000 | 4,367 |
| Average total loans | $83,642,500 | 3,909 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8480% | 341 |
| Cost of funding earning assets | 0.7847% | 2,783 |
| Net interest margin | 5.0632% | 342 |
| Noninterest income to average assets | 2.2198% | 377 |
| Noninterest expense to average assets | 4.4290% | 612 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.0309% | 337 |
| Return on assets (ROA) | 2.0309% | 371 |
| Pretax return on assets | 2.0309% | 568 |
| Return on Equity (ROE) | 18.6671% | 385 |
| Retained earnings to average equity (ytd only) | 10.9638% | 445 |
| Net charge-offs to loans | 0.1134% | 4,541 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 26.3218% | 1,104 |
| Efficiency ratio | 68.0395% | 4,138 |
| Assets per employee ($millions) | 2.5101% | 6,607 |
| Cash dividends to net income (ytd only)* | 41.2664% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 2,400 |
| Loan loss allowance to noncurrent loans | 76.3066% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 2.0999% | 2,334 |
| Noncurrent loans to loans | 2.4448% | 2,169 |
| Net loans and leases to total assets | 66.9325% | 2,376 |
| Net loans and leases to deposits | 76.8416% | 2,676 |
| Net loans and leases to core deposits | 81.4370% | 2,832 |
| Total domestic deposits to total assets | 87.1045% | 2,775 |
| Equity capital to assets | 10.6827% | 3,307 |
| Core capital (leverage) ratio | 10.1021% | 3,273 |
| Tier 1 risk-based capital ratio | 12.4965% | 5,485 |
| Total risk-based capital ratio | 13.7508% | 5,431 |
| Memoranda: | ||
| Average total assets | $112,755,800 | 4,527 |
| Average earning assets | $94,426,200 | 4,747 |
| Average equity | $12,267,600 | 4,512 |
| Average total loans | $76,729,000 | 4,130 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8275% | 384 |
| Cost of funding earning assets | 0.7870% | 3,054 |
| Net interest margin | 5.0405% | 377 |
| Noninterest income to average assets | 2.1920% | 375 |
| Noninterest expense to average assets | 4.3539% | 625 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.1222% | 319 |
| Return on assets (ROA) | 2.1222% | 355 |
| Pretax return on assets | 2.1222% | 543 |
| Return on Equity (ROE) | 19.4107% | 373 |
| Retained earnings to average equity (ytd only) | 13.6667% | 329 |
| Net charge-offs to loans | 0.0778% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 40.0876% | 882 |
| Efficiency ratio | 66.7100% | 4,310 |
| Assets per employee ($millions) | 2.4330% | 6,752 |
| Cash dividends to net income (ytd only)* | 29.5917% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 2,289 |
| Loan loss allowance to noncurrent loans | 79.2254% | 3,864 |
| Noncurrent assets plus other real estate owned to assets | 2.1690% | 2,467 |
| Noncurrent loans to loans | 2.4735% | 2,325 |
| Net loans and leases to total assets | 67.4716% | 2,373 |
| Net loans and leases to deposits | 77.8978% | 2,669 |
| Net loans and leases to core deposits | 82.7341% | 2,869 |
| Total domestic deposits to total assets | 86.6155% | 2,910 |
| Equity capital to assets | 10.9707% | 3,306 |
| Core capital (leverage) ratio | 10.7976% | 2,603 |
| Tier 1 risk-based capital ratio | 12.6512% | 5,524 |
| Total risk-based capital ratio | 13.9055% | 5,480 |
| Memoranda: | ||
| Average total assets | $110,823,750 | 4,619 |
| Average earning assets | $94,195,500 | 4,791 |
| Average equity | $12,116,750 | 4,585 |
| Average total loans | $75,367,250 | 4,223 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7951% | 405 |
| Cost of funding earning assets | 0.7870% | 3,303 |
| Net interest margin | 5.0081% | 396 |
| Noninterest income to average assets | 2.0655% | 382 |
| Noninterest expense to average assets | 4.3478% | 622 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.0324% | 373 |
| Return on assets (ROA) | 2.0324% | 418 |
| Pretax return on assets | 2.0324% | 651 |
| Return on Equity (ROE) | 18.6117% | 443 |
| Retained earnings to average equity (ytd only) | 13.0921% | 430 |
| Net charge-offs to loans | 0.0461% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 65.0588% | 599 |
| Efficiency ratio | 67.5979% | 4,213 |
| Assets per employee ($millions) | 2.3122% | 6,900 |
| Cash dividends to net income (ytd only)* | 29.6564% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0709% | 2,058 |
| Loan loss allowance to noncurrent loans | 71.8512% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 2.6868% | 2,054 |
| Noncurrent loans to loans | 2.8822% | 2,079 |
| Net loans and leases to total assets | 68.2996% | 2,236 |
| Net loans and leases to deposits | 79.1660% | 2,497 |
| Net loans and leases to core deposits | 82.2676% | 2,930 |
| Total domestic deposits to total assets | 86.2739% | 3,212 |
| Equity capital to assets | 11.1320% | 2,983 |
| Core capital (leverage) ratio | 10.7350% | 2,556 |
| Tier 1 risk-based capital ratio | 12.4786% | 5,578 |
| Total risk-based capital ratio | 13.7336% | 5,557 |
| Memoranda: | ||
| Average total assets | $108,837,000 | 4,695 |
| Average earning assets | $93,768,670 | 4,825 |
| Average equity | $11,885,000 | 4,630 |
| Average total loans | $73,699,330 | 4,291 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9223% | 348 |
| Cost of funding earning assets | 0.8052% | 3,432 |
| Net interest margin | 5.1171% | 334 |
| Noninterest income to average assets | 1.6741% | 527 |
| Noninterest expense to average assets | 4.3058% | 655 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7557% | 658 |
| Return on assets (ROA) | 1.7557% | 734 |
| Pretax return on assets | 1.7557% | 1,184 |
| Return on Equity (ROE) | 16.2403% | 771 |
| Retained earnings to average equity (ytd only) | 13.8369% | 581 |
| Net charge-offs to loans | -0.0278% | 6,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4838% | 3,722 |
| Assets per employee ($millions) | 2.2759% | 7,008 |
| Cash dividends to net income (ytd only)* | 14.7992% | 2,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2489% | 1,780 |
| Loan loss allowance to noncurrent loans | 62.0229% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 3.8539% | 1,449 |
| Noncurrent loans to loans | 3.6260% | 1,714 |
| Net loans and leases to total assets | 64.6561% | 2,727 |
| Net loans and leases to deposits | 74.8956% | 2,987 |
| Net loans and leases to core deposits | 77.6540% | 3,376 |
| Total domestic deposits to total assets | 86.3284% | 3,343 |
| Equity capital to assets | 10.9721% | 2,935 |
| Core capital (leverage) ratio | 10.5636% | 2,682 |
| Tier 1 risk-based capital ratio | 10.7300% | 6,654 |
| Total risk-based capital ratio | 11.9612% | 6,653 |
| Memoranda: | ||
| Average total assets | $107,762,500 | 4,755 |
| Average earning assets | $92,396,500 | 4,894 |
| Average equity | $11,650,000 | 4,691 |
| Average total loans | $71,846,000 | 4,389 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0082% | 427 |
| Cost of funding earning assets | 1.1521% | 2,341 |
| Net interest margin | 4.8560% | 563 |
| Noninterest income to average assets | 1.7018% | 487 |
| Noninterest expense to average assets | 4.4130% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4600% | 908 |
| Return on assets (ROA) | 1.4864% | 927 |
| Pretax return on assets | 1.5060% | 1,449 |
| Return on Equity (ROE) | 15.9464% | 611 |
| Retained earnings to average equity (ytd only) | 13.6069% | 190 |
| Net charge-offs to loans | 0.1338% | 5,077 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 17.1340% | 1,290 |
| Efficiency ratio | 74.8943% | 3,072 |
| Assets per employee ($millions) | 2.2614% | 7,043 |
| Cash dividends to net income (ytd only)* | 14.6707% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2678% | 1,681 |
| Loan loss allowance to noncurrent loans | 48.3149% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 4.3064% | 1,295 |
| Noncurrent loans to loans | 4.6937% | 1,255 |
| Net loans and leases to total assets | 65.6882% | 2,841 |
| Net loans and leases to deposits | 75.9505% | 3,188 |
| Net loans and leases to core deposits | 78.5845% | 3,619 |
| Total domestic deposits to total assets | 86.4881% | 3,036 |
| Equity capital to assets | 10.6451% | 3,369 |
| Core capital (leverage) ratio | 10.1414% | 3,180 |
| Tier 1 risk-based capital ratio | 10.5716% | 6,654 |
| Total risk-based capital ratio | 11.8257% | 6,629 |
| Memoranda: | ||
| Average total assets | $112,350,200 | 4,584 |
| Average earning assets | $96,951,600 | 4,714 |
| Average equity | $10,472,600 | 4,910 |
| Average total loans | $72,508,200 | 4,398 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0015% | 457 |
| Cost of funding earning assets | 1.2331% | 2,099 |
| Net interest margin | 4.7684% | 667 |
| Noninterest income to average assets | 1.8454% | 429 |
| Noninterest expense to average assets | 4.2669% | 741 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7037% | 625 |
| Return on assets (ROA) | 1.7142% | 665 |
| Pretax return on assets | 1.7142% | 1,111 |
| Return on Equity (ROE) | 19.0207% | 381 |
| Retained earnings to average equity (ytd only) | 16.7470% | 155 |
| Net charge-offs to loans | 0.1759% | 4,398 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 15.1559% | 1,487 |
| Efficiency ratio | 71.4650% | 3,659 |
| Assets per employee ($millions) | 2.2471% | 7,114 |
| Cash dividends to net income (ytd only)* | 11.9537% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2933% | 1,697 |
| Loan loss allowance to noncurrent loans | 52.4919% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 4.1248% | 1,486 |
| Noncurrent loans to loans | 4.3689% | 1,494 |
| Net loans and leases to total assets | 64.0698% | 3,294 |
| Net loans and leases to deposits | 73.9281% | 3,666 |
| Net loans and leases to core deposits | 77.8560% | 3,929 |
| Total domestic deposits to total assets | 86.6650% | 2,840 |
| Equity capital to assets | 10.4182% | 3,802 |
| Core capital (leverage) ratio | 9.8798% | 3,605 |
| Tier 1 risk-based capital ratio | 10.5105% | 6,774 |
| Total risk-based capital ratio | 11.7642% | 6,760 |
| Memoranda: | ||
| Average total assets | $113,866,750 | 4,582 |
| Average earning assets | $98,506,500 | 4,706 |
| Average equity | $10,262,250 | 4,976 |
| Average total loans | $72,776,250 | 4,431 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9783% | 499 |
| Cost of funding earning assets | 1.3228% | 1,807 |
| Net interest margin | 4.6555% | 809 |
| Noninterest income to average assets | 1.2946% | 751 |
| Noninterest expense to average assets | 4.1046% | 910 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2238% | 1,502 |
| Return on assets (ROA) | 1.2152% | 1,610 |
| Pretax return on assets | 1.2152% | 2,420 |
| Return on Equity (ROE) | 14.1688% | 940 |
| Retained earnings to average equity (ytd only) | 10.6467% | 728 |
| Net charge-offs to loans | 0.4492% | 2,780 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 4.2970% | 2,903 |
| Efficiency ratio | 77.0327% | 2,858 |
| Assets per employee ($millions) | 2.3325% | 7,088 |
| Cash dividends to net income (ytd only)* | 24.8580% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1700% | 1,976 |
| Loan loss allowance to noncurrent loans | 55.1332% | 4,720 |
| Noncurrent assets plus other real estate owned to assets | 3.9151% | 1,649 |
| Noncurrent loans to loans | 3.9359% | 1,759 |
| Net loans and leases to total assets | 63.8252% | 3,504 |
| Net loans and leases to deposits | 72.7397% | 3,988 |
| Net loans and leases to core deposits | 76.4622% | 4,255 |
| Total domestic deposits to total assets | 87.7447% | 2,318 |
| Equity capital to assets | 9.4266% | 4,927 |
| Core capital (leverage) ratio | 8.7196% | 5,194 |
| Tier 1 risk-based capital ratio | 9.8245% | 7,024 |
| Total risk-based capital ratio | 11.0832% | 7,024 |
| Memoranda: | ||
| Average total assets | $115,869,330 | 4,563 |
| Average earning assets | $100,396,670 | 4,701 |
| Average equity | $9,937,330 | 5,060 |
| Average total loans | $73,459,330 | 4,444 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7525% | 801 |
| Cost of funding earning assets | 1.4391% | 1,436 |
| Net interest margin | 4.3134% | 1,523 |
| Noninterest income to average assets | 1.3816% | 681 |
| Noninterest expense to average assets | 3.8658% | 1,226 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2539% | 1,377 |
| Return on assets (ROA) | 1.2472% | 1,445 |
| Pretax return on assets | 1.2472% | 2,202 |
| Return on Equity (ROE) | 15.2377% | 786 |
| Retained earnings to average equity (ytd only) | 8.0501% | 1,711 |
| Net charge-offs to loans | 0.5267% | 2,173 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 3.8061% | 2,628 |
| Efficiency ratio | 75.5089% | 3,242 |
| Assets per employee ($millions) | 2.6378% | 6,787 |
| Cash dividends to net income (ytd only)* | 47.1698% | 1,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2416% | 1,875 |
| Loan loss allowance to noncurrent loans | 44.6251% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 3.9098% | 1,706 |
| Noncurrent loans to loans | 5.0231% | 1,340 |
| Net loans and leases to total assets | 59.4826% | 4,367 |
| Net loans and leases to deposits | 66.8146% | 4,860 |
| Net loans and leases to core deposits | 70.6119% | 4,969 |
| Total domestic deposits to total assets | 89.0263% | 1,758 |
| Equity capital to assets | 8.3158% | 6,144 |
| Core capital (leverage) ratio | 8.2305% | 5,935 |
| Tier 1 risk-based capital ratio | 8.9555% | 7,225 |
| Total risk-based capital ratio | 10.2075% | 7,230 |
| Memoranda: | ||
| Average total assets | $118,991,000 | 4,513 |
| Average earning assets | $103,120,000 | 4,655 |
| Average equity | $9,739,000 | 5,111 |
| Average total loans | $74,428,500 | 4,443 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5047% | 317 |
| Cost of funding earning assets | 1.8885% | 881 |
| Net interest margin | 4.6163% | 980 |
| Noninterest income to average assets | 1.6019% | 564 |
| Noninterest expense to average assets | 4.0057% | 1,153 |
| Loan and lease loss provision to assets | 0.6153% | 2,674 |
| Net operating income to assets | 0.9857% | 2,084 |
| Return on assets (ROA) | 0.9857% | 2,196 |
| Pretax return on assets | 0.9857% | 2,977 |
| Return on Equity (ROE) | 11.1310% | 1,546 |
| Retained earnings to average equity (ytd only) | 5.9201% | 1,866 |
| Net charge-offs to loans | 0.4314% | 3,893 |
| Credit loss provision to net charge-offs | 215.9744% | 1,401 |
| Earnings coverage of net charge-offs (x) | 5.6198% | 2,579 |
| Efficiency ratio | 71.4448% | 3,902 |
| Assets per employee ($millions) | 2.7740% | 6,559 |
| Cash dividends to net income (ytd only)* | 46.8144% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2406% | 1,793 |
| Loan loss allowance to noncurrent loans | 101.4775% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 2.2368% | 3,044 |
| Noncurrent loans to loans | 2.2080% | 3,313 |
| Net loans and leases to total assets | 62.8052% | 4,114 |
| Net loans and leases to deposits | 72.9615% | 4,358 |
| Net loans and leases to core deposits | 80.3626% | 4,160 |
| Total domestic deposits to total assets | 86.0798% | 3,317 |
| Equity capital to assets | 8.0542% | 6,438 |
| Core capital (leverage) ratio | 7.9104% | 6,304 |
| Tier 1 risk-based capital ratio | 8.3545% | 7,323 |
| Total risk-based capital ratio | 9.6071% | 7,332 |
| Memoranda: | ||
| Average total assets | $109,867,200 | 4,715 |
| Average earning assets | $95,315,400 | 4,857 |
| Average equity | $9,729,600 | 5,202 |
| Average total loans | $72,557,800 | 4,586 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5858% | 296 |
| Cost of funding earning assets | 1.9747% | 812 |
| Net interest margin | 4.6110% | 1,017 |
| Noninterest income to average assets | 1.8676% | 421 |
| Noninterest expense to average assets | 3.8431% | 1,291 |
| Loan and lease loss provision to assets | 0.5308% | 2,812 |
| Net operating income to assets | 1.5043% | 918 |
| Return on assets (ROA) | 1.5043% | 997 |
| Pretax return on assets | 1.5043% | 1,607 |
| Return on Equity (ROE) | 16.5702% | 641 |
| Retained earnings to average equity (ytd only) | 12.6087% | 386 |
| Net charge-offs to loans | 0.2572% | 4,404 |
| Credit loss provision to net charge-offs | 310.1449% | 1,025 |
| Earnings coverage of net charge-offs (x) | 11.8910% | 1,746 |
| Efficiency ratio | 65.3797% | 4,980 |
| Assets per employee ($millions) | 2.7123% | 6,759 |
| Cash dividends to net income (ytd only)* | 23.9079% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1851% | 1,835 |
| Loan loss allowance to noncurrent loans | 42.1107% | 5,485 |
| Noncurrent assets plus other real estate owned to assets | 4.3497% | 1,562 |
| Noncurrent loans to loans | 5.1890% | 1,314 |
| Net loans and leases to total assets | 63.0998% | 4,301 |
| Net loans and leases to deposits | 72.3306% | 4,787 |
| Net loans and leases to core deposits | 80.1848% | 4,491 |
| Total domestic deposits to total assets | 87.2381% | 2,405 |
| Equity capital to assets | 8.7938% | 5,866 |
| Core capital (leverage) ratio | 8.3237% | 5,825 |
| Tier 1 risk-based capital ratio | 10.2764% | 6,915 |
| Total risk-based capital ratio | 11.5369% | 6,894 |
| Memoranda: | ||
| Average total assets | $107,514,000 | 4,846 |
| Average earning assets | $93,512,250 | 4,964 |
| Average equity | $9,760,250 | 5,265 |
| Average total loans | $71,539,500 | 4,698 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7364% | 229 |
| Cost of funding earning assets | 1.9943% | 923 |
| Net interest margin | 4.7422% | 740 |
| Noninterest income to average assets | 1.5276% | 549 |
| Noninterest expense to average assets | 3.7884% | 1,376 |
| Loan and lease loss provision to assets | 0.1914% | 4,966 |
| Net operating income to assets | 1.6674% | 623 |
| Return on assets (ROA) | 1.6674% | 671 |
| Pretax return on assets | 1.6674% | 1,122 |
| Return on Equity (ROE) | 18.1553% | 452 |
| Retained earnings to average equity (ytd only) | 14.4033% | 287 |
| Net charge-offs to loans | -0.0910% | 7,540 |
| Credit loss provision to net charge-offs | -312.5000% | 6,774 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0847% | 4,746 |
| Assets per employee ($millions) | 2.7815% | 6,613 |
| Cash dividends to net income (ytd only)* | 20.6659% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0914% | 1,976 |
| Loan loss allowance to noncurrent loans | 73.7103% | 3,663 |
| Noncurrent assets plus other real estate owned to assets | 3.2256% | 2,188 |
| Noncurrent loans to loans | 2.8373% | 2,820 |
| Net loans and leases to total assets | 64.1316% | 4,241 |
| Net loans and leases to deposits | 73.2958% | 4,796 |
| Net loans and leases to core deposits | 76.2013% | 5,170 |
| Total domestic deposits to total assets | 87.4969% | 2,256 |
| Equity capital to assets | 9.1522% | 5,210 |
| Core capital (leverage) ratio | 9.1003% | 4,462 |
| Tier 1 risk-based capital ratio | 10.9673% | 6,269 |
| Total risk-based capital ratio | 12.2264% | 6,250 |
| Memoranda: | ||
| Average total assets | $104,476,000 | 4,953 |
| Average earning assets | $90,760,330 | 5,066 |
| Average equity | $9,595,000 | 5,317 |
| Average total loans | $70,307,330 | 4,785 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7698% | 231 |
| Cost of funding earning assets | 2.0395% | 976 |
| Net interest margin | 4.7304% | 732 |
| Noninterest income to average assets | 1.4442% | 575 |
| Noninterest expense to average assets | 3.7629% | 1,387 |
| Loan and lease loss provision to assets | 0.3318% | 3,407 |
| Net operating income to assets | 1.4599% | 964 |
| Return on assets (ROA) | 1.4599% | 1,039 |
| Pretax return on assets | 1.4599% | 1,618 |
| Return on Equity (ROE) | 15.8668% | 736 |
| Retained earnings to average equity (ytd only) | 15.8668% | 350 |
| Net charge-offs to loans | 0.0343% | 5,095 |
| Credit loss provision to net charge-offs | 1,416.6667% | 353 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 403 |
| Efficiency ratio | 67.7442% | 4,773 |
| Assets per employee ($millions) | 2.7829% | 6,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0304% | 2,104 |
| Loan loss allowance to noncurrent loans | 46.0649% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 4.1559% | 1,639 |
| Noncurrent loans to loans | 4.4077% | 1,709 |
| Net loans and leases to total assets | 65.4285% | 4,013 |
| Net loans and leases to deposits | 75.3479% | 4,522 |
| Net loans and leases to core deposits | 78.4392% | 4,971 |
| Total domestic deposits to total assets | 86.8352% | 2,716 |
| Equity capital to assets | 9.1090% | 5,121 |
| Core capital (leverage) ratio | 9.1761% | 4,265 |
| Tier 1 risk-based capital ratio | 10.6420% | 6,502 |
| Total risk-based capital ratio | 11.8968% | 6,485 |
| Memoranda: | ||
| Average total assets | $102,475,500 | 5,077 |
| Average earning assets | $89,042,000 | 5,190 |
| Average equity | $9,428,500 | 5,417 |
| Average total loans | $69,934,000 | 4,864 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7390% | 426 |
| Cost of funding earning assets | 2.7623% | 497 |
| Net interest margin | 3.9767% | 2,959 |
| Noninterest income to average assets | 1.2901% | 903 |
| Noninterest expense to average assets | 3.9141% | 1,491 |
| Loan and lease loss provision to assets | 0.3807% | 4,504 |
| Net operating income to assets | 0.4927% | 3,757 |
| Return on assets (ROA) | 0.5516% | 3,609 |
| Pretax return on assets | 0.5516% | 4,045 |
| Return on Equity (ROE) | 6.6908% | 2,911 |
| Retained earnings to average equity (ytd only) | 4.6755% | 1,988 |
| Net charge-offs to loans | 1.1537% | 2,123 |
| Credit loss provision to net charge-offs | 48.5472% | 6,763 |
| Earnings coverage of net charge-offs (x) | 1.1138% | 4,997 |
| Efficiency ratio | 81.7569% | 2,636 |
| Assets per employee ($millions) | 2.6105% | 7,025 |
| Cash dividends to net income (ytd only)* | 30.1205% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9555% | 2,126 |
| Loan loss allowance to noncurrent loans | 51.4047% | 4,939 |
| Noncurrent assets plus other real estate owned to assets | 3.9224% | 1,688 |
| Noncurrent loans to loans | 3.8040% | 1,964 |
| Net loans and leases to total assets | 68.4362% | 3,599 |
| Net loans and leases to deposits | 79.5351% | 4,083 |
| Net loans and leases to core deposits | 97.1369% | 4,337 |
| Total domestic deposits to total assets | 86.0452% | 2,993 |
| Equity capital to assets | 9.2985% | 4,700 |
| Core capital (leverage) ratio | 8.9734% | 4,468 |
| Tier 1 risk-based capital ratio | 10.8669% | 6,047 |
| Total risk-based capital ratio | 12.1327% | 6,002 |
| Memoranda: | ||
| Average total assets | $105,337,200 | 4,949 |
| Average earning assets | $92,639,800 | 5,040 |
| Average equity | $8,683,600 | 5,708 |
| Average total loans | $71,593,400 | 4,813 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6146% | 600 |
| Cost of funding earning assets | 2.8770% | 494 |
| Net interest margin | 3.7376% | 3,920 |
| Noninterest income to average assets | 1.2139% | 1,045 |
| Noninterest expense to average assets | 3.7502% | 1,705 |
| Loan and lease loss provision to assets | 0.4329% | 3,739 |
| Net operating income to assets | 0.3356% | 4,658 |
| Return on assets (ROA) | 0.4129% | 4,445 |
| Pretax return on assets | 0.4129% | 4,763 |
| Return on Equity (ROE) | 5.1625% | 3,897 |
| Retained earnings to average equity (ytd only) | 3.6029% | 3,270 |
| Net charge-offs to loans | 1.4371% | 1,440 |
| Credit loss provision to net charge-offs | 44.6015% | 6,379 |
| Earnings coverage of net charge-offs (x) | 0.7918% | 5,261 |
| Efficiency ratio | 82.9928% | 2,432 |
| Assets per employee ($millions) | 2.6254% | 7,003 |
| Cash dividends to net income (ytd only)* | 30.2116% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8961% | 2,044 |
| Loan loss allowance to noncurrent loans | 45.0384% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 4.2239% | 1,483 |
| Noncurrent loans to loans | 4.2099% | 1,713 |
| Net loans and leases to total assets | 69.9096% | 3,539 |
| Net loans and leases to deposits | 85.4113% | 3,430 |
| Net loans and leases to core deposits | 106.2958% | 3,668 |
| Total domestic deposits to total assets | 81.8505% | 4,741 |
| Equity capital to assets | 9.0843% | 5,365 |
| Core capital (leverage) ratio | 8.7744% | 5,012 |
| Tier 1 risk-based capital ratio | 10.7197% | 6,229 |
| Total risk-based capital ratio | 11.9742% | 6,198 |
| Memoranda: | ||
| Average total assets | $106,871,750 | 4,936 |
| Average earning assets | $94,495,750 | 5,022 |
| Average equity | $8,548,500 | 5,805 |
| Average total loans | $72,181,250 | 4,836 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4867% | 848 |
| Cost of funding earning assets | 2.9419% | 557 |
| Net interest margin | 3.5448% | 4,594 |
| Noninterest income to average assets | 1.2029% | 1,078 |
| Noninterest expense to average assets | 3.6726% | 1,892 |
| Loan and lease loss provision to assets | 0.2874% | 4,276 |
| Net operating income to assets | 0.3753% | 4,600 |
| Return on assets (ROA) | 0.4888% | 4,251 |
| Pretax return on assets | 0.4888% | 4,660 |
| Return on Equity (ROE) | 6.3746% | 3,488 |
| Retained earnings to average equity (ytd only) | 3.9871% | 3,067 |
| Net charge-offs to loans | 1.8086% | 1,042 |
| Credit loss provision to net charge-offs | 23.9329% | 6,088 |
| Earnings coverage of net charge-offs (x) | 0.5518% | 5,158 |
| Efficiency ratio | 84.7128% | 2,394 |
| Assets per employee ($millions) | 2.8166% | 6,585 |
| Cash dividends to net income (ytd only)* | 37.4532% | 2,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 2,101 |
| Loan loss allowance to noncurrent loans | 47.8163% | 5,169 |
| Noncurrent assets plus other real estate owned to assets | 3.6460% | 1,694 |
| Noncurrent loans to loans | 3.7281% | 1,864 |
| Net loans and leases to total assets | 64.2527% | 4,930 |
| Net loans and leases to deposits | 79.5086% | 4,620 |
| Net loans and leases to core deposits | 104.0359% | 4,058 |
| Total domestic deposits to total assets | 80.8122% | 5,144 |
| Equity capital to assets | 8.0322% | 6,715 |
| Core capital (leverage) ratio | 8.0780% | 6,202 |
| Tier 1 risk-based capital ratio | 10.5396% | 6,338 |
| Total risk-based capital ratio | 11.7928% | 6,292 |
| Memoranda: | ||
| Average total assets | $109,240,330 | 4,904 |
| Average earning assets | $96,536,000 | 4,991 |
| Average equity | $8,377,000 | 5,889 |
| Average total loans | $72,543,670 | 4,862 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4483% | 960 |
| Cost of funding earning assets | 3.0345% | 554 |
| Net interest margin | 3.4138% | 5,083 |
| Noninterest income to average assets | 1.1015% | 1,233 |
| Noninterest expense to average assets | 3.7343% | 1,587 |
| Loan and lease loss provision to assets | 0.0734% | 6,037 |
| Net operating income to assets | 0.3011% | 5,294 |
| Return on assets (ROA) | 0.3011% | 5,471 |
| Pretax return on assets | 0.3011% | 5,682 |
| Return on Equity (ROE) | 4.0226% | 4,926 |
| Retained earnings to average equity (ytd only) | 4.0226% | 3,665 |
| Net charge-offs to loans | 2.3160% | 629 |
| Credit loss provision to net charge-offs | 4.7393% | 5,226 |
| Earnings coverage of net charge-offs (x) | 0.2417% | 4,787 |
| Efficiency ratio | 90.8847% | 1,657 |
| Assets per employee ($millions) | 2.7313% | 6,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9612% | 1,498 |
| Loan loss allowance to noncurrent loans | 164.5161% | 1,961 |
| Noncurrent assets plus other real estate owned to assets | 1.4371% | 3,781 |
| Noncurrent loans to loans | 1.1921% | 4,589 |
| Net loans and leases to total assets | 63.0063% | 5,161 |
| Net loans and leases to deposits | 77.4619% | 5,011 |
| Net loans and leases to core deposits | 104.0401% | 4,135 |
| Total domestic deposits to total assets | 81.3384% | 4,816 |
| Equity capital to assets | 7.5340% | 7,323 |
| Core capital (leverage) ratio | 7.4189% | 7,256 |
| Tier 1 risk-based capital ratio | 10.2691% | 6,620 |
| Total risk-based capital ratio | 11.4779% | 6,597 |
| Memoranda: | ||
| Average total assets | $108,937,500 | 4,929 |
| Average earning assets | $95,964,000 | 5,025 |
| Average equity | $8,154,000 | 5,999 |
| Average total loans | $72,885,500 | 4,874 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4684% | 435 |
| Cost of funding earning assets | 3.3555% | 794 |
| Net interest margin | 4.1129% | 2,655 |
| Noninterest income to average assets | 1.0992% | 1,300 |
| Noninterest expense to average assets | 3.5964% | 2,157 |
| Loan and lease loss provision to assets | 0.9419% | 1,571 |
| Net operating income to assets | 0.2084% | 5,822 |
| Return on assets (ROA) | 0.2290% | 5,588 |
| Pretax return on assets | 0.2476% | 5,635 |
| Return on Equity (ROE) | 3.1167% | 5,188 |
| Retained earnings to average equity (ytd only) | -2.2678% | 5,942 |
| Net charge-offs to loans | 0.4291% | 2,674 |
| Credit loss provision to net charge-offs | 308.5366% | 1,465 |
| Earnings coverage of net charge-offs (x) | 3.8232% | 4,215 |
| Efficiency ratio | 75.4982% | 3,328 |
| Assets per employee ($millions) | 2.5261% | 7,159 |
| Cash dividends to net income (ytd only)* | 172.7642% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3545% | 795 |
| Loan loss allowance to noncurrent loans | 143.9320% | 2,560 |
| Noncurrent assets plus other real estate owned to assets | 1.8127% | 2,715 |
| Noncurrent loans to loans | 1.6358% | 3,319 |
| Net loans and leases to total assets | 67.9224% | 4,478 |
| Net loans and leases to deposits | 83.4663% | 4,504 |
| Net loans and leases to core deposits | 111.3240% | 3,634 |
| Total domestic deposits to total assets | 81.3770% | 4,474 |
| Equity capital to assets | 7.4357% | 7,441 |
| Core capital (leverage) ratio | 7.7926% | 6,813 |
| Tier 1 risk-based capital ratio | 10.3490% | 6,366 |
| Total risk-based capital ratio | 11.6118% | 6,227 |
| Memoranda: | ||
| Average total assets | $107,440,800 | 4,846 |
| Average earning assets | $95,723,600 | 4,932 |
| Average equity | $7,893,000 | 6,126 |
| Average total loans | $76,437,400 | 4,637 |