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Banner Banks, 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 | 3.9662% | 4,016 |
| Cost of funding earning assets | 0.7948% | 3,746 |
| Net interest margin | 3.1714% | 2,940 |
| Noninterest income to average assets | 0.1500% | 4,057 |
| Noninterest expense to average assets | 1.8117% | 3,988 |
| Loan and lease loss provision to assets | -0.0400% | 4,399 |
| Net operating income to assets | 1.4124% | 1,195 |
| Return on assets (ROA) | 1.4493% | 1,088 |
| Pretax return on assets | 1.4755% | 1,479 |
| Return on Equity (ROE) | 13.8200% | 1,522 |
| Retained earnings to average equity (ytd only) | 8.8439% | 1,295 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 56.3613% | 3,462 |
| Assets per employee ($millions) | 5.3772% | 3,339 |
| Cash dividends to net income (ytd only)* | 36.0045% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5558% | 924 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 27.3900% | 4,335 |
| Net loans and leases to deposits | 31.1055% | 4,344 |
| Net loans and leases to core deposits | 32.3256% | 4,374 |
| Total domestic deposits to total assets | 88.0400% | 1,341 |
| Equity capital to assets | 11.7601% | 1,212 |
| Core capital (leverage) ratio | 12.8328% | 1,104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $122,264,200 | 3,631 |
| Average earning assets | $118,022,400 | 3,564 |
| Average equity | $12,822,400 | 3,451 |
| Average total loans | $35,136,200 | 4,069 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9288% | 3,960 |
| Cost of funding earning assets | 0.7406% | 3,675 |
| Net interest margin | 3.1882% | 2,944 |
| Noninterest income to average assets | 0.0900% | 4,338 |
| Noninterest expense to average assets | 1.8076% | 3,961 |
| Loan and lease loss provision to assets | -0.0200% | 4,368 |
| Net operating income to assets | 1.3583% | 1,405 |
| Return on assets (ROA) | 1.3944% | 1,317 |
| Pretax return on assets | 1.4192% | 1,735 |
| Return on Equity (ROE) | 13.6900% | 1,737 |
| Retained earnings to average equity (ytd only) | 9.2640% | 1,617 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.9530% | 3,318 |
| Assets per employee ($millions) | 5.6835% | 3,037 |
| Cash dividends to net income (ytd only)* | 32.3507% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5768% | 925 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 27.9800% | 4,350 |
| Net loans and leases to deposits | 31.3783% | 4,364 |
| Net loans and leases to core deposits | 32.4358% | 4,362 |
| Total domestic deposits to total assets | 89.1700% | 1,195 |
| Equity capital to assets | 10.6290% | 1,499 |
| Core capital (leverage) ratio | 12.4244% | 1,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $123,255,750 | 3,630 |
| Average earning assets | $119,186,250 | 3,570 |
| Average equity | $12,550,000 | 3,470 |
| Average total loans | $35,693,000 | 4,076 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7441% | 4,090 |
| Cost of funding earning assets | 0.6777% | 3,547 |
| Net interest margin | 3.0664% | 3,288 |
| Noninterest income to average assets | 0.1000% | 4,323 |
| Noninterest expense to average assets | 1.8032% | 3,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2405% | 1,714 |
| Return on assets (ROA) | 1.2862% | 1,589 |
| Pretax return on assets | 1.3102% | 2,054 |
| Return on Equity (ROE) | 12.8100% | 1,943 |
| Retained earnings to average equity (ytd only) | 8.4129% | 1,847 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.8883% | 3,089 |
| Assets per employee ($millions) | 5.2443% | 3,363 |
| Cash dividends to net income (ytd only)* | 34.3321% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4354% | 1,403 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 30.4600% | 4,319 |
| Net loans and leases to deposits | 34.0982% | 4,330 |
| Net loans and leases to core deposits | 35.2319% | 4,343 |
| Total domestic deposits to total assets | 89.3200% | 1,131 |
| Equity capital to assets | 10.5107% | 1,599 |
| Core capital (leverage) ratio | 11.7446% | 1,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $124,556,667 | 3,631 |
| Average earning assets | $120,402,333 | 3,562 |
| Average equity | $12,504,667 | 3,489 |
| Average total loans | $36,281,000 | 4,078 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6544% | 4,094 |
| Cost of funding earning assets | 0.6222% | 3,316 |
| Net interest margin | 3.0323% | 3,520 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 1.7325% | 4,152 |
| Loan and lease loss provision to assets | -0.0200% | 4,456 |
| Net operating income to assets | 1.2819% | 1,717 |
| Return on assets (ROA) | 1.3563% | 1,488 |
| Pretax return on assets | 1.3784% | 1,941 |
| Return on Equity (ROE) | 13.8200% | 1,811 |
| Retained earnings to average equity (ytd only) | 13.8187% | 964 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 57.5026% | 3,242 |
| Assets per employee ($millions) | 5.7184% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 1,305 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 28.1100% | 4,402 |
| Net loans and leases to deposits | 31.3575% | 4,418 |
| Net loans and leases to core deposits | 32.3557% | 4,415 |
| Total domestic deposits to total assets | 89.6600% | 1,276 |
| Equity capital to assets | 10.2031% | 1,722 |
| Core capital (leverage) ratio | 11.2236% | 1,713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $126,525,000 | 3,654 |
| Average earning assets | $122,153,500 | 3,579 |
| Average equity | $12,418,000 | 3,534 |
| Average total loans | $35,786,000 | 4,136 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5842% | 4,467 |
| Cost of funding earning assets | 0.2087% | 3,688 |
| Net interest margin | 2.3755% | 4,376 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 1.6225% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7481% | 3,487 |
| Return on assets (ROA) | 0.7605% | 3,393 |
| Pretax return on assets | 0.7754% | 3,681 |
| Return on Equity (ROE) | 7.8600% | 3,419 |
| Retained earnings to average equity (ytd only) | 4.7623% | 3,152 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 68.0198% | 1,963 |
| Assets per employee ($millions) | 5.7839% | 2,964 |
| Cash dividends to net income (ytd only)* | 39.4410% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 782 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 27.5500% | 4,445 |
| Net loans and leases to deposits | 30.4613% | 4,466 |
| Net loans and leases to core deposits | 31.2882% | 4,464 |
| Total domestic deposits to total assets | 90.4400% | 1,175 |
| Equity capital to assets | 9.4306% | 2,064 |
| Core capital (leverage) ratio | 10.9057% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $127,024,400 | 3,661 |
| Average earning assets | $122,670,400 | 3,589 |
| Average equity | $12,284,000 | 3,646 |
| Average total loans | $38,604,600 | 4,088 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3462% | 4,521 |
| Cost of funding earning assets | 0.1434% | 3,909 |
| Net interest margin | 2.2028% | 4,461 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.6340% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5788% | 3,889 |
| Return on assets (ROA) | 0.5902% | 3,814 |
| Pretax return on assets | 0.6028% | 3,984 |
| Return on Equity (ROE) | 6.0600% | 3,789 |
| Retained earnings to average equity (ytd only) | 4.1224% | 3,403 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 73.4309% | 1,336 |
| Assets per employee ($millions) | 5.2868% | 3,431 |
| Cash dividends to net income (ytd only)* | 32.0285% | 1,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6996% | 877 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 27.9400% | 4,461 |
| Net loans and leases to deposits | 30.7628% | 4,486 |
| Net loans and leases to core deposits | 31.5922% | 4,486 |
| Total domestic deposits to total assets | 90.8300% | 1,306 |
| Equity capital to assets | 9.0587% | 2,171 |
| Core capital (leverage) ratio | 10.6212% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $126,969,250 | 3,691 |
| Average earning assets | $122,749,750 | 3,613 |
| Average equity | $12,355,000 | 3,675 |
| Average total loans | $39,339,000 | 4,096 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1482% | 4,587 |
| Cost of funding earning assets | 0.1203% | 3,958 |
| Net interest margin | 2.0278% | 4,542 |
| Noninterest income to average assets | 0.0992% | 4,487 |
| Noninterest expense to average assets | 1.6300% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4224% | 4,070 |
| Return on assets (ROA) | 0.4394% | 3,980 |
| Pretax return on assets | 0.4504% | 4,081 |
| Return on Equity (ROE) | 4.4139% | 3,928 |
| Retained earnings to average equity (ytd only) | 3.1166% | 3,410 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0076% | 1,020 |
| Assets per employee ($millions) | 5.3159% | 3,417 |
| Cash dividends to net income (ytd only)* | 29.3907% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5937% | 1,167 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 29.6682% | 4,473 |
| Net loans and leases to deposits | 32.8345% | 4,477 |
| Net loans and leases to core deposits | 33.6199% | 4,485 |
| Total domestic deposits to total assets | 90.3567% | 1,543 |
| Equity capital to assets | 9.5375% | 1,992 |
| Core capital (leverage) ratio | 10.5616% | 1,895 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,997,667 | 3,730 |
| Average earning assets | $122,988,000 | 3,663 |
| Average equity | $12,642,000 | 3,716 |
| Average total loans | $40,429,333 | 4,129 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0036% | 4,617 |
| Cost of funding earning assets | 0.1138% | 3,962 |
| Net interest margin | 1.8898% | 4,586 |
| Noninterest income to average assets | 0.0916% | 4,539 |
| Noninterest expense to average assets | 1.6542% | 4,204 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2661% | 4,209 |
| Return on assets (ROA) | 0.3094% | 4,092 |
| Pretax return on assets | 0.3157% | 4,167 |
| Return on Equity (ROE) | 3.0437% | 4,077 |
| Retained earnings to average equity (ytd only) | 3.0437% | 3,243 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9016% | 744 |
| Assets per employee ($millions) | 5.5419% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 31.7698% | 4,388 |
| Net loans and leases to deposits | 35.2311% | 4,410 |
| Net loans and leases to core deposits | 36.0754% | 4,425 |
| Total domestic deposits to total assets | 90.1753% | 1,458 |
| Equity capital to assets | 9.7353% | 2,100 |
| Core capital (leverage) ratio | 10.4541% | 1,897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,706,000 | 3,746 |
| Average earning assets | $122,979,000 | 3,682 |
| Average equity | $12,879,000 | 3,768 |
| Average total loans | $41,412,000 | 4,136 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2812% | 4,598 |
| Cost of funding earning assets | 0.1421% | 4,046 |
| Net interest margin | 2.1391% | 4,518 |
| Noninterest income to average assets | 0.1082% | 4,570 |
| Noninterest expense to average assets | 1.6597% | 4,352 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.5206% | 4,034 |
| Return on assets (ROA) | 0.5635% | 4,000 |
| Pretax return on assets | 0.5718% | 4,151 |
| Return on Equity (ROE) | 5.0798% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.1590% | 3,562 |
| Net charge-offs to loans | -0.0418% | 4,240 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8463% | 1,121 |
| Assets per employee ($millions) | 5.2478% | 3,520 |
| Cash dividends to net income (ytd only)* | 37.8139% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4695% | 1,665 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 32.6349% | 4,424 |
| Net loans and leases to deposits | 36.5630% | 4,457 |
| Net loans and leases to core deposits | 37.6057% | 4,471 |
| Total domestic deposits to total assets | 89.2567% | 1,377 |
| Equity capital to assets | 10.5988% | 2,089 |
| Core capital (leverage) ratio | 10.7854% | 1,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,144,600 | 3,798 |
| Average earning assets | $116,827,000 | 3,725 |
| Average equity | $13,327,200 | 3,801 |
| Average total loans | $40,681,000 | 4,173 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3377% | 4,659 |
| Cost of funding earning assets | 0.1500% | 4,106 |
| Net interest margin | 2.1877% | 4,580 |
| Noninterest income to average assets | 0.1078% | 4,639 |
| Noninterest expense to average assets | 1.6558% | 4,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.5744% | 4,052 |
| Return on assets (ROA) | 0.6156% | 4,028 |
| Pretax return on assets | 0.6234% | 4,197 |
| Return on Equity (ROE) | 5.4846% | 4,023 |
| Retained earnings to average equity (ytd only) | 3.6331% | 3,702 |
| Net charge-offs to loans | -0.0561% | 4,405 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9960% | 1,215 |
| Assets per employee ($millions) | 5.0620% | 3,640 |
| Cash dividends to net income (ytd only)* | 33.7591% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 1,523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 32.4718% | 4,529 |
| Net loans and leases to deposits | 36.5709% | 4,559 |
| Net loans and leases to core deposits | 37.5048% | 4,581 |
| Total domestic deposits to total assets | 88.7914% | 1,404 |
| Equity capital to assets | 11.0662% | 1,969 |
| Core capital (leverage) ratio | 10.6524% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,693,750 | 3,860 |
| Average earning assets | $115,550,000 | 3,781 |
| Average equity | $13,321,750 | 3,851 |
| Average total loans | $40,422,250 | 4,237 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3763% | 4,685 |
| Cost of funding earning assets | 0.1557% | 4,161 |
| Net interest margin | 2.2206% | 4,581 |
| Noninterest income to average assets | 0.1206% | 4,595 |
| Noninterest expense to average assets | 1.7425% | 4,297 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5272% | 4,165 |
| Return on assets (ROA) | 0.5961% | 4,046 |
| Pretax return on assets | 0.6029% | 4,232 |
| Return on Equity (ROE) | 5.2857% | 4,078 |
| Retained earnings to average equity (ytd only) | 4.1714% | 3,467 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5672% | 1,025 |
| Assets per employee ($millions) | 4.8367% | 3,800 |
| Cash dividends to net income (ytd only)* | 21.0826% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5075% | 1,567 |
| Loan loss allowance to noncurrent loans | 269.6833% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 1,336 |
| Noncurrent loans to loans | 0.5590% | 2,000 |
| Net loans and leases to total assets | 32.2036% | 4,584 |
| Net loans and leases to deposits | 36.3111% | 4,624 |
| Net loans and leases to core deposits | 37.3418% | 4,639 |
| Total domestic deposits to total assets | 88.6882% | 1,460 |
| Equity capital to assets | 11.1208% | 1,898 |
| Core capital (leverage) ratio | 10.8776% | 1,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,762,667 | 3,883 |
| Average earning assets | $114,296,000 | 3,806 |
| Average equity | $13,281,000 | 3,865 |
| Average total loans | $40,542,333 | 4,267 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3532% | 4,738 |
| Cost of funding earning assets | 0.1706% | 4,159 |
| Net interest margin | 2.1825% | 4,623 |
| Noninterest income to average assets | 0.1033% | 4,671 |
| Noninterest expense to average assets | 1.8453% | 4,120 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3664% | 4,418 |
| Return on assets (ROA) | 0.5095% | 4,195 |
| Pretax return on assets | 0.5164% | 4,314 |
| Return on Equity (ROE) | 4.4855% | 4,192 |
| Retained earnings to average equity (ytd only) | 4.4855% | 3,367 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2298% | 636 |
| Assets per employee ($millions) | 4.5773% | 4,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,658 |
| Loan loss allowance to noncurrent loans | 100.1681% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.9461% | 888 |
| Noncurrent loans to loans | 1.4829% | 845 |
| Net loans and leases to total assets | 33.2140% | 4,596 |
| Net loans and leases to deposits | 37.4446% | 4,645 |
| Net loans and leases to core deposits | 38.5233% | 4,657 |
| Total domestic deposits to total assets | 88.7018% | 1,502 |
| Equity capital to assets | 11.0890% | 1,795 |
| Core capital (leverage) ratio | 10.9785% | 1,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,185,000 | 3,904 |
| Average earning assets | $112,530,000 | 3,833 |
| Average equity | $13,198,000 | 3,882 |
| Average total loans | $41,045,500 | 4,280 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7012% | 4,794 |
| Cost of funding earning assets | 0.2856% | 4,216 |
| Net interest margin | 2.4156% | 4,646 |
| Noninterest income to average assets | 0.1184% | 4,678 |
| Noninterest expense to average assets | 1.8405% | 4,405 |
| Loan and lease loss provision to assets | 0.0073% | 4,262 |
| Net operating income to assets | 0.5852% | 3,801 |
| Return on assets (ROA) | 0.7270% | 3,468 |
| Pretax return on assets | 0.7353% | 3,802 |
| Return on Equity (ROE) | 6.1412% | 3,534 |
| Retained earnings to average equity (ytd only) | 4.1251% | 2,749 |
| Net charge-offs to loans | 0.3969% | 435 |
| Credit loss provision to net charge-offs | 5.0314% | 3,259 |
| Earnings coverage of net charge-offs (x) | 4.1069% | 3,027 |
| Efficiency ratio | 75.4327% | 1,297 |
| Assets per employee ($millions) | 4.3600% | 4,063 |
| Cash dividends to net income (ytd only)* | 32.8283% | 2,719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4202% | 1,888 |
| Loan loss allowance to noncurrent loans | 88.8227% | 3,483 |
| Noncurrent assets plus other real estate owned to assets | 1.0603% | 880 |
| Noncurrent loans to loans | 1.5989% | 825 |
| Net loans and leases to total assets | 36.4952% | 4,575 |
| Net loans and leases to deposits | 41.3867% | 4,622 |
| Net loans and leases to core deposits | 42.6461% | 4,640 |
| Total domestic deposits to total assets | 88.1810% | 1,389 |
| Equity capital to assets | 11.6434% | 1,775 |
| Core capital (leverage) ratio | 11.2933% | 1,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,940,000 | 3,889 |
| Average earning assets | $104,692,800 | 3,837 |
| Average equity | $12,896,600 | 3,870 |
| Average total loans | $40,063,400 | 4,308 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7916% | 4,837 |
| Cost of funding earning assets | 0.3105% | 4,264 |
| Net interest margin | 2.4812% | 4,667 |
| Noninterest income to average assets | 0.1224% | 4,674 |
| Noninterest expense to average assets | 1.8744% | 4,375 |
| Loan and lease loss provision to assets | 0.0102% | 4,173 |
| Net operating income to assets | 0.6127% | 3,723 |
| Return on assets (ROA) | 0.7975% | 3,221 |
| Pretax return on assets | 0.8061% | 3,627 |
| Return on Equity (ROE) | 6.7076% | 3,310 |
| Retained earnings to average equity (ytd only) | 4.6901% | 2,700 |
| Net charge-offs to loans | 0.2829% | 560 |
| Credit loss provision to net charge-offs | 9.5238% | 2,998 |
| Earnings coverage of net charge-offs (x) | 6.0595% | 2,680 |
| Efficiency ratio | 74.8642% | 1,318 |
| Assets per employee ($millions) | 4.4369% | 3,918 |
| Cash dividends to net income (ytd only)* | 30.0775% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6968% | 901 |
| Loan loss allowance to noncurrent loans | 128.2983% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 1,132 |
| Noncurrent loans to loans | 1.3225% | 1,115 |
| Net loans and leases to total assets | 35.0462% | 4,713 |
| Net loans and leases to deposits | 39.8601% | 4,754 |
| Net loans and leases to core deposits | 41.2334% | 4,766 |
| Total domestic deposits to total assets | 87.9230% | 1,248 |
| Equity capital to assets | 11.8705% | 1,756 |
| Core capital (leverage) ratio | 11.2717% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,835,000 | 3,901 |
| Average earning assets | $103,497,000 | 3,853 |
| Average equity | $12,821,000 | 3,884 |
| Average total loans | $39,587,500 | 4,344 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8662% | 4,888 |
| Cost of funding earning assets | 0.3441% | 4,296 |
| Net interest margin | 2.5221% | 4,721 |
| Noninterest income to average assets | 0.1273% | 4,667 |
| Noninterest expense to average assets | 1.8782% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6582% | 3,553 |
| Return on assets (ROA) | 0.9381% | 2,678 |
| Pretax return on assets | 0.9475% | 3,187 |
| Return on Equity (ROE) | 7.8862% | 2,795 |
| Retained earnings to average equity (ytd only) | 6.0918% | 2,039 |
| Net charge-offs to loans | 0.0404% | 1,936 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 44.3750% | 1,177 |
| Efficiency ratio | 73.8586% | 1,476 |
| Assets per employee ($millions) | 4.2860% | 4,017 |
| Cash dividends to net income (ytd only)* | 22.7545% | 2,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7432% | 742 |
| Loan loss allowance to noncurrent loans | 68.1106% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 1.0984% | 1,043 |
| Noncurrent loans to loans | 2.5594% | 447 |
| Net loans and leases to total assets | 37.3796% | 4,691 |
| Net loans and leases to deposits | 42.4530% | 4,735 |
| Net loans and leases to core deposits | 43.3345% | 4,766 |
| Total domestic deposits to total assets | 88.0495% | 1,149 |
| Equity capital to assets | 11.7405% | 1,810 |
| Core capital (leverage) ratio | 11.5797% | 1,621 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $106,806,000 | 3,904 |
| Average earning assets | $102,295,667 | 3,859 |
| Average equity | $12,705,667 | 3,904 |
| Average total loans | $39,601,667 | 4,360 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0533% | 4,932 |
| Cost of funding earning assets | 0.3907% | 4,391 |
| Net interest margin | 2.6626% | 4,698 |
| Noninterest income to average assets | 0.1263% | 4,734 |
| Noninterest expense to average assets | 1.9638% | 4,466 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.6871% | 3,312 |
| Return on assets (ROA) | 1.2479% | 1,483 |
| Pretax return on assets | 1.2594% | 1,994 |
| Return on Equity (ROE) | 10.4178% | 1,608 |
| Retained earnings to average equity (ytd only) | 10.4178% | 664 |
| Net charge-offs to loans | 0.0838% | 1,198 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 22.6250% | 1,347 |
| Efficiency ratio | 73.9193% | 1,830 |
| Assets per employee ($millions) | 3.9652% | 3,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9377% | 562 |
| Loan loss allowance to noncurrent loans | 68.1106% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 1.1911% | 1,049 |
| Noncurrent loans to loans | 2.8449% | 393 |
| Net loans and leases to total assets | 36.2766% | 4,768 |
| Net loans and leases to deposits | 41.4858% | 4,809 |
| Net loans and leases to core deposits | 42.4241% | 4,837 |
| Total domestic deposits to total assets | 87.4435% | 1,363 |
| Equity capital to assets | 12.3547% | 1,829 |
| Core capital (leverage) ratio | 12.0326% | 1,720 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,491,500 | 3,923 |
| Average earning assets | $99,303,000 | 3,886 |
| Average equity | $12,517,000 | 3,942 |
| Average total loans | $38,206,000 | 4,408 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2571% | 4,981 |
| Cost of funding earning assets | 0.4851% | 4,153 |
| Net interest margin | 2.7720% | 4,777 |
| Noninterest income to average assets | 0.1437% | 4,760 |
| Noninterest expense to average assets | 2.0227% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7580% | 3,679 |
| Return on assets (ROA) | 0.7888% | 3,668 |
| Pretax return on assets | 0.7989% | 3,973 |
| Return on Equity (ROE) | 6.6014% | 3,708 |
| Retained earnings to average equity (ytd only) | 4.0365% | 2,943 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4883% | 1,795 |
| Assets per employee ($millions) | 3.9218% | 4,007 |
| Cash dividends to net income (ytd only)* | 38.8535% | 2,662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 495 |
| Loan loss allowance to noncurrent loans | 63.7372% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 982 |
| Noncurrent loans to loans | 3.0621% | 306 |
| Net loans and leases to total assets | 35.4399% | 4,854 |
| Net loans and leases to deposits | 40.1784% | 4,901 |
| Net loans and leases to core deposits | 40.9205% | 4,929 |
| Total domestic deposits to total assets | 88.2065% | 1,030 |
| Equity capital to assets | 11.6131% | 2,417 |
| Core capital (leverage) ratio | 12.2050% | 1,651 |
| Tier 1 risk-based capital ratio | 25.3296% | 728 |
| Total risk-based capital ratio | 26.5828% | 711 |
| Memoranda: | ||
| Average total assets | $99,518,000 | 4,009 |
| Average earning assets | $95,022,200 | 3,950 |
| Average equity | $11,891,400 | 4,010 |
| Average total loans | $37,952,000 | 4,451 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3026% | 5,065 |
| Cost of funding earning assets | 0.4987% | 4,146 |
| Net interest margin | 2.8038% | 4,858 |
| Noninterest income to average assets | 0.1525% | 4,786 |
| Noninterest expense to average assets | 2.0219% | 4,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.8156% | 3,622 |
| Return on assets (ROA) | 0.8156% | 3,704 |
| Pretax return on assets | 0.8251% | 4,061 |
| Return on Equity (ROE) | 6.7740% | 3,779 |
| Retained earnings to average equity (ytd only) | 4.3312% | 3,229 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0187% | 1,969 |
| Assets per employee ($millions) | 3.6710% | 4,312 |
| Cash dividends to net income (ytd only)* | 36.0596% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0354% | 429 |
| Loan loss allowance to noncurrent loans | 66.9355% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 1.2248% | 1,027 |
| Noncurrent loans to loans | 3.0409% | 316 |
| Net loans and leases to total assets | 36.2733% | 4,929 |
| Net loans and leases to deposits | 41.4511% | 4,964 |
| Net loans and leases to core deposits | 42.2763% | 4,990 |
| Total domestic deposits to total assets | 87.5087% | 1,248 |
| Equity capital to assets | 12.2592% | 2,071 |
| Core capital (leverage) ratio | 12.0992% | 1,792 |
| Tier 1 risk-based capital ratio | 26.4590% | 678 |
| Total risk-based capital ratio | 27.7147% | 663 |
| Memoranda: | ||
| Average total assets | $97,925,250 | 4,072 |
| Average earning assets | $94,106,500 | 4,011 |
| Average equity | $11,790,000 | 4,062 |
| Average total loans | $37,871,500 | 4,509 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3175% | 5,120 |
| Cost of funding earning assets | 0.4968% | 4,128 |
| Net interest margin | 2.8207% | 4,903 |
| Noninterest income to average assets | 0.1538% | 4,809 |
| Noninterest expense to average assets | 2.0056% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8531% | 3,460 |
| Return on assets (ROA) | 0.8531% | 3,518 |
| Pretax return on assets | 0.8613% | 3,950 |
| Return on Equity (ROE) | 7.1296% | 3,625 |
| Retained earnings to average equity (ytd only) | 4.7473% | 2,890 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9571% | 2,234 |
| Assets per employee ($millions) | 3.5062% | 4,493 |
| Cash dividends to net income (ytd only)* | 33.4135% | 2,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0538% | 426 |
| Loan loss allowance to noncurrent loans | 66.9355% | 3,895 |
| Noncurrent assets plus other real estate owned to assets | 1.2366% | 1,057 |
| Noncurrent loans to loans | 3.0684% | 325 |
| Net loans and leases to total assets | 36.2870% | 4,965 |
| Net loans and leases to deposits | 41.4295% | 5,013 |
| Net loans and leases to core deposits | 42.4596% | 5,036 |
| Total domestic deposits to total assets | 87.5872% | 1,292 |
| Equity capital to assets | 12.2264% | 2,038 |
| Core capital (leverage) ratio | 12.1602% | 1,718 |
| Tier 1 risk-based capital ratio | 26.2149% | 671 |
| Total risk-based capital ratio | 27.4702% | 659 |
| Memoranda: | ||
| Average total assets | $97,528,000 | 4,105 |
| Average earning assets | $93,805,670 | 4,041 |
| Average equity | $11,669,670 | 4,092 |
| Average total loans | $38,262,000 | 4,540 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2800% | 5,179 |
| Cost of funding earning assets | 0.4704% | 4,202 |
| Net interest margin | 2.8096% | 4,980 |
| Noninterest income to average assets | 0.1358% | 4,917 |
| Noninterest expense to average assets | 2.0163% | 4,609 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8148% | 3,568 |
| Return on assets (ROA) | 0.8148% | 3,606 |
| Pretax return on assets | 0.8230% | 3,987 |
| Return on Equity (ROE) | 6.8852% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.8852% | 2,085 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0145% | 2,186 |
| Assets per employee ($millions) | 3.6219% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8806% | 607 |
| Loan loss allowance to noncurrent loans | 67.1763% | 3,935 |
| Noncurrent assets plus other real estate owned to assets | 1.2394% | 1,076 |
| Noncurrent loans to loans | 2.7995% | 422 |
| Net loans and leases to total assets | 39.8540% | 4,892 |
| Net loans and leases to deposits | 45.3899% | 4,947 |
| Net loans and leases to core deposits | 46.5189% | 4,973 |
| Total domestic deposits to total assets | 87.8037% | 1,439 |
| Equity capital to assets | 11.9938% | 2,025 |
| Core capital (leverage) ratio | 12.2938% | 1,609 |
| Tier 1 risk-based capital ratio | 25.7732% | 701 |
| Total risk-based capital ratio | 27.0287% | 687 |
| Memoranda: | ||
| Average total assets | $97,205,500 | 4,147 |
| Average earning assets | $93,535,500 | 4,086 |
| Average equity | $11,503,000 | 4,128 |
| Average total loans | $39,207,500 | 4,564 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1688% | 5,167 |
| Cost of funding earning assets | 0.4266% | 3,819 |
| Net interest margin | 2.7421% | 5,068 |
| Noninterest income to average assets | 0.1631% | 4,906 |
| Noninterest expense to average assets | 1.9242% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8774% | 3,508 |
| Return on assets (ROA) | 0.8774% | 3,501 |
| Pretax return on assets | 0.8827% | 3,940 |
| Return on Equity (ROE) | 7.5860% | 3,625 |
| Retained earnings to average equity (ytd only) | 4.6025% | 2,995 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5532% | 2,458 |
| Assets per employee ($millions) | 3.5785% | 4,469 |
| Cash dividends to net income (ytd only)* | 39.3285% | 2,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 543 |
| Loan loss allowance to noncurrent loans | 67.1763% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.2565% | 1,023 |
| Noncurrent loans to loans | 2.8738% | 372 |
| Net loans and leases to total assets | 39.2749% | 4,968 |
| Net loans and leases to deposits | 44.5685% | 5,017 |
| Net loans and leases to core deposits | 45.7419% | 5,044 |
| Total domestic deposits to total assets | 88.1224% | 1,246 |
| Equity capital to assets | 11.6716% | 2,120 |
| Core capital (leverage) ratio | 12.3514% | 1,539 |
| Tier 1 risk-based capital ratio | 25.0931% | 733 |
| Total risk-based capital ratio | 26.3473% | 720 |
| Memoranda: | ||
| Average total assets | $95,054,400 | 4,184 |
| Average earning assets | $91,644,400 | 4,117 |
| Average equity | $10,994,000 | 4,158 |
| Average total loans | $38,360,000 | 4,604 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1125% | 5,240 |
| Cost of funding earning assets | 0.4180% | 3,736 |
| Net interest margin | 2.6945% | 5,168 |
| Noninterest income to average assets | 0.1704% | 4,937 |
| Noninterest expense to average assets | 1.9113% | 4,886 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8606% | 3,697 |
| Return on assets (ROA) | 0.8606% | 3,701 |
| Pretax return on assets | 0.8648% | 4,128 |
| Return on Equity (ROE) | 7.4579% | 3,767 |
| Retained earnings to average equity (ytd only) | 5.0533% | 3,210 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8483% | 2,378 |
| Assets per employee ($millions) | 3.7909% | 4,182 |
| Cash dividends to net income (ytd only)* | 32.2421% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8237% | 692 |
| Loan loss allowance to noncurrent loans | 66.5183% | 4,060 |
| Noncurrent assets plus other real estate owned to assets | 1.2926% | 1,062 |
| Noncurrent loans to loans | 2.7416% | 440 |
| Net loans and leases to total assets | 42.4324% | 4,938 |
| Net loans and leases to deposits | 48.1374% | 5,007 |
| Net loans and leases to core deposits | 49.3423% | 5,039 |
| Total domestic deposits to total assets | 88.1484% | 1,176 |
| Equity capital to assets | 11.5920% | 2,187 |
| Core capital (leverage) ratio | 12.1473% | 1,697 |
| Tier 1 risk-based capital ratio | 24.0048% | 845 |
| Total risk-based capital ratio | 25.2579% | 826 |
| Memoranda: | ||
| Average total assets | $94,663,250 | 4,230 |
| Average earning assets | $91,541,750 | 4,153 |
| Average equity | $10,923,250 | 4,209 |
| Average total loans | $38,276,500 | 4,653 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0381% | 5,322 |
| Cost of funding earning assets | 0.3994% | 3,722 |
| Net interest margin | 2.6387% | 5,256 |
| Noninterest income to average assets | 0.1775% | 4,934 |
| Noninterest expense to average assets | 1.9191% | 4,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8095% | 3,825 |
| Return on assets (ROA) | 0.8095% | 3,827 |
| Pretax return on assets | 0.8137% | 4,207 |
| Return on Equity (ROE) | 7.0260% | 3,896 |
| Retained earnings to average equity (ytd only) | 4.8980% | 3,125 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2243% | 2,274 |
| Assets per employee ($millions) | 3.7771% | 4,243 |
| Cash dividends to net income (ytd only)* | 30.2872% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 702 |
| Loan loss allowance to noncurrent loans | 108.8921% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 2,059 |
| Noncurrent loans to loans | 1.6880% | 942 |
| Net loans and leases to total assets | 42.2459% | 4,976 |
| Net loans and leases to deposits | 47.8970% | 5,031 |
| Net loans and leases to core deposits | 48.9370% | 5,064 |
| Total domestic deposits to total assets | 88.2016% | 1,273 |
| Equity capital to assets | 11.6131% | 2,114 |
| Core capital (leverage) ratio | 12.1150% | 1,641 |
| Tier 1 risk-based capital ratio | 23.8442% | 848 |
| Total risk-based capital ratio | 25.0988% | 816 |
| Memoranda: | ||
| Average total assets | $94,627,000 | 4,269 |
| Average earning assets | $91,635,670 | 4,191 |
| Average equity | $10,902,330 | 4,243 |
| Average total loans | $37,381,670 | 4,721 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9330% | 5,402 |
| Cost of funding earning assets | 0.3672% | 3,857 |
| Net interest margin | 2.5659% | 5,342 |
| Noninterest income to average assets | 0.1689% | 5,012 |
| Noninterest expense to average assets | 1.9129% | 5,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7347% | 3,968 |
| Return on assets (ROA) | 0.7347% | 3,974 |
| Pretax return on assets | 0.7347% | 4,337 |
| Return on Equity (ROE) | 6.4026% | 4,022 |
| Retained earnings to average equity (ytd only) | 6.4026% | 2,547 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2488% | 2,153 |
| Assets per employee ($millions) | 3.6785% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0860% | 471 |
| Loan loss allowance to noncurrent loans | 111.1607% | 3,257 |
| Noncurrent assets plus other real estate owned to assets | 0.7026% | 2,218 |
| Noncurrent loans to loans | 1.8766% | 874 |
| Net loans and leases to total assets | 36.6607% | 5,188 |
| Net loans and leases to deposits | 41.4559% | 5,237 |
| Net loans and leases to core deposits | 42.3420% | 5,258 |
| Total domestic deposits to total assets | 88.4329% | 1,389 |
| Equity capital to assets | 11.3726% | 2,238 |
| Core capital (leverage) ratio | 11.8782% | 1,733 |
| Tier 1 risk-based capital ratio | 26.2142% | 666 |
| Total risk-based capital ratio | 27.4697% | 655 |
| Memoranda: | ||
| Average total assets | $94,726,500 | 4,312 |
| Average earning assets | $91,509,000 | 4,242 |
| Average equity | $10,870,500 | 4,291 |
| Average total loans | $35,753,000 | 4,806 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8818% | 5,425 |
| Cost of funding earning assets | 0.2759% | 4,353 |
| Net interest margin | 2.6059% | 5,346 |
| Noninterest income to average assets | 0.1877% | 5,019 |
| Noninterest expense to average assets | 1.8990% | 5,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8070% | 3,125 |
| Return on assets (ROA) | 0.8154% | 3,135 |
| Pretax return on assets | 0.8207% | 4,195 |
| Return on Equity (ROE) | 7.1072% | 3,213 |
| Retained earnings to average equity (ytd only) | 3.6044% | 3,100 |
| Net charge-offs to loans | 0.0054% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 383.0000% | 230 |
| Efficiency ratio | 70.0430% | 2,538 |
| Assets per employee ($millions) | 3.4745% | 4,735 |
| Cash dividends to net income (ytd only)* | 49.2848% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 452 |
| Loan loss allowance to noncurrent loans | 732.3529% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 4,585 |
| Noncurrent loans to loans | 0.2857% | 3,755 |
| Net loans and leases to total assets | 37.2547% | 5,252 |
| Net loans and leases to deposits | 42.2181% | 5,289 |
| Net loans and leases to core deposits | 43.3707% | 5,311 |
| Total domestic deposits to total assets | 88.2434% | 1,380 |
| Equity capital to assets | 11.5807% | 2,129 |
| Core capital (leverage) ratio | 11.9361% | 1,639 |
| Tier 1 risk-based capital ratio | 26.3715% | 634 |
| Total risk-based capital ratio | 27.6282% | 625 |
| Memoranda: | ||
| Average total assets | $94,313,600 | 4,340 |
| Average earning assets | $91,330,400 | 4,258 |
| Average equity | $10,820,000 | 4,332 |
| Average total loans | $36,905,200 | 4,822 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8420% | 5,505 |
| Cost of funding earning assets | 0.2622% | 4,463 |
| Net interest margin | 2.5798% | 5,419 |
| Noninterest income to average assets | 0.1977% | 5,019 |
| Noninterest expense to average assets | 1.9144% | 5,115 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7780% | 3,605 |
| Return on assets (ROA) | 0.7892% | 3,622 |
| Pretax return on assets | 0.7948% | 4,361 |
| Return on Equity (ROE) | 6.8953% | 3,721 |
| Retained earnings to average equity (ytd only) | 4.1323% | 3,451 |
| Net charge-offs to loans | 0.0072% | 3,479 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 277.1461% | 332 |
| Efficiency ratio | 70.9576% | 2,373 |
| Assets per employee ($millions) | 3.6027% | 4,581 |
| Cash dividends to net income (ytd only)* | 40.0719% | 2,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 655 |
| Loan loss allowance to noncurrent loans | 732.3529% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 4,702 |
| Noncurrent loans to loans | 0.2642% | 4,015 |
| Net loans and leases to total assets | 40.4127% | 5,183 |
| Net loans and leases to deposits | 45.9205% | 5,258 |
| Net loans and leases to core deposits | 47.0313% | 5,285 |
| Total domestic deposits to total assets | 88.0059% | 1,358 |
| Equity capital to assets | 11.7817% | 2,123 |
| Core capital (leverage) ratio | 11.8592% | 1,779 |
| Tier 1 risk-based capital ratio | 24.9751% | 757 |
| Total risk-based capital ratio | 26.2302% | 741 |
| Memoranda: | ||
| Average total assets | $94,439,250 | 4,374 |
| Average earning assets | $91,529,500 | 4,294 |
| Average equity | $10,809,000 | 4,380 |
| Average total loans | $37,207,500 | 4,864 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7910% | 5,560 |
| Cost of funding earning assets | 0.2571% | 4,484 |
| Net interest margin | 2.5339% | 5,482 |
| Noninterest income to average assets | 0.2070% | 5,010 |
| Noninterest expense to average assets | 1.9241% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7329% | 3,691 |
| Return on assets (ROA) | 0.7329% | 3,758 |
| Pretax return on assets | 0.7392% | 4,457 |
| Return on Equity (ROE) | 6.4658% | 3,845 |
| Retained earnings to average equity (ytd only) | 4.0435% | 3,304 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2443% | 2,295 |
| Assets per employee ($millions) | 3.4720% | 4,762 |
| Cash dividends to net income (ytd only)* | 37.4640% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0127% | 588 |
| Loan loss allowance to noncurrent loans | 624.1667% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 4,677 |
| Noncurrent loans to loans | 0.3225% | 3,875 |
| Net loans and leases to total assets | 38.8981% | 5,263 |
| Net loans and leases to deposits | 44.1230% | 5,334 |
| Net loans and leases to core deposits | 45.1876% | 5,367 |
| Total domestic deposits to total assets | 88.1583% | 1,378 |
| Equity capital to assets | 11.6710% | 2,174 |
| Core capital (leverage) ratio | 11.7085% | 1,824 |
| Tier 1 risk-based capital ratio | 25.3092% | 723 |
| Total risk-based capital ratio | 26.5647% | 704 |
| Memoranda: | ||
| Average total assets | $94,695,330 | 4,400 |
| Average earning assets | $91,796,000 | 4,313 |
| Average equity | $10,733,330 | 4,403 |
| Average total loans | $36,742,670 | 4,909 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7825% | 5,609 |
| Cost of funding earning assets | 0.2482% | 4,550 |
| Net interest margin | 2.5343% | 5,518 |
| Noninterest income to average assets | 0.2101% | 5,006 |
| Noninterest expense to average assets | 1.9712% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6767% | 3,802 |
| Return on assets (ROA) | 0.6767% | 3,843 |
| Pretax return on assets | 0.6851% | 4,492 |
| Return on Equity (ROE) | 6.0586% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.0586% | 2,301 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2089% | 2,200 |
| Assets per employee ($millions) | 3.6529% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0672% | 586 |
| Loan loss allowance to noncurrent loans | 327.0742% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 0.2411% | 4,261 |
| Noncurrent loans to loans | 0.6320% | 2,934 |
| Net loans and leases to total assets | 37.3614% | 5,354 |
| Net loans and leases to deposits | 42.2238% | 5,411 |
| Net loans and leases to core deposits | 43.2252% | 5,437 |
| Total domestic deposits to total assets | 88.4843% | 1,432 |
| Equity capital to assets | 11.3482% | 2,309 |
| Core capital (leverage) ratio | 11.4577% | 1,981 |
| Tier 1 risk-based capital ratio | 26.5567% | 655 |
| Total risk-based capital ratio | 27.8148% | 644 |
| Memoranda: | ||
| Average total assets | $95,170,500 | 4,440 |
| Average earning assets | $91,859,000 | 4,352 |
| Average equity | $10,629,500 | 4,447 |
| Average total loans | $36,507,000 | 4,958 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8039% | 5,641 |
| Cost of funding earning assets | 0.2696% | 4,371 |
| Net interest margin | 2.5342% | 5,563 |
| Noninterest income to average assets | 0.2145% | 5,130 |
| Noninterest expense to average assets | 2.0350% | 5,122 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6013% | 4,202 |
| Return on assets (ROA) | 0.6192% | 4,247 |
| Pretax return on assets | 0.6234% | 4,726 |
| Return on Equity (ROE) | 4.6813% | 4,572 |
| Retained earnings to average equity (ytd only) | -15.0476% | 5,833 |
| Net charge-offs to loans | -0.0292% | 5,233 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0716% | 1,831 |
| Assets per employee ($millions) | 3.2885% | 5,060 |
| Cash dividends to net income (ytd only)* | 421.4408% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0364% | 613 |
| Loan loss allowance to noncurrent loans | 624.1667% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 4,781 |
| Noncurrent loans to loans | 0.3263% | 3,974 |
| Net loans and leases to total assets | 37.7829% | 5,410 |
| Net loans and leases to deposits | 42.5272% | 5,477 |
| Net loans and leases to core deposits | 43.3025% | 5,509 |
| Total domestic deposits to total assets | 88.8440% | 1,183 |
| Equity capital to assets | 10.9903% | 2,634 |
| Core capital (leverage) ratio | 11.4278% | 1,989 |
| Tier 1 risk-based capital ratio | 25.2135% | 752 |
| Total risk-based capital ratio | 26.4706% | 739 |
| Memoranda: | ||
| Average total assets | $94,154,600 | 4,462 |
| Average earning assets | $90,125,800 | 4,383 |
| Average equity | $12,453,800 | 4,180 |
| Average total loans | $37,672,000 | 4,957 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8106% | 5,709 |
| Cost of funding earning assets | 0.2729% | 4,357 |
| Net interest margin | 2.5377% | 5,634 |
| Noninterest income to average assets | 0.2174% | 5,163 |
| Noninterest expense to average assets | 2.0301% | 5,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6140% | 4,237 |
| Return on assets (ROA) | 0.6379% | 4,255 |
| Pretax return on assets | 0.6421% | 4,762 |
| Return on Equity (ROE) | 4.6239% | 4,672 |
| Retained earnings to average equity (ytd only) | 2.7290% | 4,260 |
| Net charge-offs to loans | -0.0352% | 5,223 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6631% | 1,882 |
| Assets per employee ($millions) | 3.3596% | 4,965 |
| Cash dividends to net income (ytd only)* | 40.9805% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9415% | 795 |
| Loan loss allowance to noncurrent loans | 633.8983% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 4,738 |
| Noncurrent loans to loans | 0.3063% | 4,153 |
| Net loans and leases to total assets | 40.1609% | 5,371 |
| Net loans and leases to deposits | 46.7406% | 5,424 |
| Net loans and leases to core deposits | 47.6346% | 5,462 |
| Total domestic deposits to total assets | 85.9231% | 2,397 |
| Equity capital to assets | 13.8505% | 1,097 |
| Core capital (leverage) ratio | 13.6765% | 950 |
| Tier 1 risk-based capital ratio | 29.6254% | 499 |
| Total risk-based capital ratio | 30.8817% | 486 |
| Memoranda: | ||
| Average total assets | $93,851,750 | 4,510 |
| Average earning assets | $89,894,750 | 4,424 |
| Average equity | $12,947,000 | 4,134 |
| Average total loans | $37,894,750 | 4,993 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8243% | 5,790 |
| Cost of funding earning assets | 0.2791% | 4,359 |
| Net interest margin | 2.5452% | 5,713 |
| Noninterest income to average assets | 0.2261% | 5,137 |
| Noninterest expense to average assets | 2.0260% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6252% | 4,167 |
| Return on assets (ROA) | 0.6611% | 4,136 |
| Pretax return on assets | 0.6675% | 4,721 |
| Return on Equity (ROE) | 4.7989% | 4,602 |
| Retained earnings to average equity (ytd only) | 2.9103% | 4,059 |
| Net charge-offs to loans | -0.0425% | 5,300 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2440% | 2,044 |
| Assets per employee ($millions) | 3.3459% | 5,000 |
| Cash dividends to net income (ytd only)* | 39.3548% | 2,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9801% | 767 |
| Loan loss allowance to noncurrent loans | 518.0556% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.2145% | 4,638 |
| Noncurrent loans to loans | 0.3822% | 3,992 |
| Net loans and leases to total assets | 39.4168% | 5,451 |
| Net loans and leases to deposits | 45.8955% | 5,501 |
| Net loans and leases to core deposits | 46.7775% | 5,542 |
| Total domestic deposits to total assets | 85.8837% | 2,472 |
| Equity capital to assets | 13.9434% | 1,045 |
| Core capital (leverage) ratio | 13.6393% | 938 |
| Tier 1 risk-based capital ratio | 29.3665% | 524 |
| Total risk-based capital ratio | 30.6215% | 517 |
| Memoranda: | ||
| Average total assets | $93,779,330 | 4,539 |
| Average earning assets | $89,580,670 | 4,471 |
| Average equity | $12,919,670 | 4,158 |
| Average total loans | $37,684,000 | 5,050 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9461% | 5,739 |
| Cost of funding earning assets | 0.2735% | 4,463 |
| Net interest margin | 2.6726% | 5,648 |
| Noninterest income to average assets | 0.1961% | 5,330 |
| Noninterest expense to average assets | 2.0336% | 5,258 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6956% | 3,738 |
| Return on assets (ROA) | 0.7674% | 3,515 |
| Pretax return on assets | 0.7759% | 4,282 |
| Return on Equity (ROE) | 5.6040% | 4,172 |
| Retained earnings to average equity (ytd only) | 5.6040% | 2,578 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2991% | 2,427 |
| Assets per employee ($millions) | 3.3616% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0464% | 760 |
| Loan loss allowance to noncurrent loans | 512.5000% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 4,162 |
| Noncurrent loans to loans | 0.3993% | 4,002 |
| Net loans and leases to total assets | 37.5309% | 5,575 |
| Net loans and leases to deposits | 43.6285% | 5,609 |
| Net loans and leases to core deposits | 44.4609% | 5,645 |
| Total domestic deposits to total assets | 86.0239% | 2,660 |
| Equity capital to assets | 13.7902% | 1,055 |
| Core capital (leverage) ratio | 13.6190% | 940 |
| Tier 1 risk-based capital ratio | 30.9313% | 465 |
| Total risk-based capital ratio | 32.1885% | 460 |
| Memoranda: | ||
| Average total assets | $93,826,000 | 4,580 |
| Average earning assets | $89,202,000 | 4,517 |
| Average equity | $12,848,000 | 4,186 |
| Average total loans | $37,689,000 | 5,091 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0063% | 5,720 |
| Cost of funding earning assets | 0.3143% | 4,086 |
| Net interest margin | 2.6920% | 5,654 |
| Noninterest income to average assets | 0.3039% | 4,707 |
| Noninterest expense to average assets | 2.0673% | 5,319 |
| Loan and lease loss provision to assets | -0.0505% | 5,748 |
| Net operating income to assets | 0.8486% | 3,121 |
| Return on assets (ROA) | 0.8486% | 3,190 |
| Pretax return on assets | 0.8538% | 4,008 |
| Return on Equity (ROE) | 6.4283% | 3,825 |
| Retained earnings to average equity (ytd only) | 3.6244% | 3,474 |
| Net charge-offs to loans | -0.0341% | 5,439 |
| Credit loss provision to net charge-offs | 342.8571% | 869 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0147% | 2,910 |
| Assets per employee ($millions) | 3.3403% | 5,085 |
| Cash dividends to net income (ytd only)* | 43.6183% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8772% | 996 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1989% | 4,798 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 41.2458% | 5,454 |
| Net loans and leases to deposits | 47.8498% | 5,493 |
| Net loans and leases to core deposits | 48.5092% | 5,542 |
| Total domestic deposits to total assets | 86.1986% | 2,540 |
| Equity capital to assets | 13.5961% | 1,091 |
| Core capital (leverage) ratio | 13.5375% | 950 |
| Tier 1 risk-based capital ratio | 27.8131% | 614 |
| Total risk-based capital ratio | 29.0682% | 602 |
| Memoranda: | ||
| Average total assets | $95,100,600 | 4,561 |
| Average earning assets | $90,675,200 | 4,491 |
| Average equity | $12,553,800 | 4,210 |
| Average total loans | $41,057,000 | 4,962 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9484% | 5,852 |
| Cost of funding earning assets | 0.3159% | 4,155 |
| Net interest margin | 2.6325% | 5,800 |
| Noninterest income to average assets | 0.3337% | 4,555 |
| Noninterest expense to average assets | 2.0720% | 5,339 |
| Loan and lease loss provision to assets | -0.0670% | 5,946 |
| Net operating income to assets | 0.8363% | 3,240 |
| Return on assets (ROA) | 0.8363% | 3,324 |
| Pretax return on assets | 0.8419% | 4,199 |
| Return on Equity (ROE) | 6.3824% | 3,970 |
| Retained earnings to average equity (ytd only) | 3.6867% | 3,845 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7808% | 2,750 |
| Assets per employee ($millions) | 3.2734% | 5,165 |
| Cash dividends to net income (ytd only)* | 42.2363% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 1,386 |
| Loan loss allowance to noncurrent loans | 1,340.7407% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.4635% | 3,942 |
| Noncurrent loans to loans | 0.1298% | 5,112 |
| Net loans and leases to total assets | 43.0568% | 5,419 |
| Net loans and leases to deposits | 50.4673% | 5,453 |
| Net loans and leases to core deposits | 51.1597% | 5,538 |
| Total domestic deposits to total assets | 85.3162% | 2,879 |
| Equity capital to assets | 13.3849% | 1,279 |
| Core capital (leverage) ratio | 13.0808% | 1,177 |
| Tier 1 risk-based capital ratio | 27.0068% | 686 |
| Total risk-based capital ratio | 28.2601% | 664 |
| Memoranda: | ||
| Average total assets | $95,494,000 | 4,606 |
| Average earning assets | $91,165,250 | 4,532 |
| Average equity | $12,513,250 | 4,264 |
| Average total loans | $41,492,750 | 5,005 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9397% | 5,910 |
| Cost of funding earning assets | 0.3186% | 4,178 |
| Net interest margin | 2.6211% | 5,864 |
| Noninterest income to average assets | 0.3930% | 4,132 |
| Noninterest expense to average assets | 2.0861% | 5,370 |
| Loan and lease loss provision to assets | -0.1003% | 6,087 |
| Net operating income to assets | 0.8946% | 2,909 |
| Return on assets (ROA) | 0.8946% | 3,037 |
| Pretax return on assets | 0.9009% | 3,951 |
| Return on Equity (ROE) | 6.8761% | 3,684 |
| Retained earnings to average equity (ytd only) | 4.0967% | 3,417 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2665% | 2,967 |
| Assets per employee ($millions) | 3.2758% | 5,201 |
| Cash dividends to net income (ytd only)* | 40.4206% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7588% | 1,472 |
| Loan loss allowance to noncurrent loans | 1,340.7407% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.9853% | 2,554 |
| Noncurrent loans to loans | 0.1312% | 5,223 |
| Net loans and leases to total assets | 42.5693% | 5,463 |
| Net loans and leases to deposits | 49.7472% | 5,517 |
| Net loans and leases to core deposits | 50.4271% | 5,594 |
| Total domestic deposits to total assets | 85.5713% | 2,888 |
| Equity capital to assets | 13.1445% | 1,326 |
| Core capital (leverage) ratio | 13.1557% | 1,112 |
| Tier 1 risk-based capital ratio | 25.6036% | 812 |
| Total risk-based capital ratio | 26.8565% | 796 |
| Memoranda: | ||
| Average total assets | $95,682,670 | 4,639 |
| Average earning assets | $91,030,330 | 4,579 |
| Average equity | $12,449,000 | 4,296 |
| Average total loans | $41,458,000 | 5,050 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9742% | 5,924 |
| Cost of funding earning assets | 0.3383% | 4,001 |
| Net interest margin | 2.6359% | 5,883 |
| Noninterest income to average assets | 0.2124% | 5,431 |
| Noninterest expense to average assets | 2.0661% | 5,459 |
| Loan and lease loss provision to assets | -0.1000% | 6,208 |
| Net operating income to assets | 0.7415% | 3,590 |
| Return on assets (ROA) | 0.7415% | 3,717 |
| Pretax return on assets | 0.7456% | 4,443 |
| Return on Equity (ROE) | 5.7281% | 4,171 |
| Retained earnings to average equity (ytd only) | 5.7281% | 2,644 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1905% | 2,488 |
| Assets per employee ($millions) | 3.4039% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8239% | 1,444 |
| Loan loss allowance to noncurrent loans | 1,385.1852% | 414 |
| Noncurrent assets plus other real estate owned to assets | 1.0125% | 2,596 |
| Noncurrent loans to loans | 0.1317% | 5,308 |
| Net loans and leases to total assets | 42.2453% | 5,466 |
| Net loans and leases to deposits | 49.3607% | 5,500 |
| Net loans and leases to core deposits | 50.2483% | 5,580 |
| Total domestic deposits to total assets | 85.5849% | 3,139 |
| Equity capital to assets | 13.1822% | 1,311 |
| Core capital (leverage) ratio | 12.7390% | 1,259 |
| Tier 1 risk-based capital ratio | 25.8228% | 804 |
| Total risk-based capital ratio | 27.0754% | 787 |
| Memoranda: | ||
| Average total assets | $96,025,000 | 4,665 |
| Average earning assets | $91,051,000 | 4,617 |
| Average equity | $12,430,000 | 4,333 |
| Average total loans | $41,605,000 | 5,084 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9305% | 6,112 |
| Cost of funding earning assets | 0.3756% | 3,964 |
| Net interest margin | 2.5549% | 6,109 |
| Noninterest income to average assets | 0.2718% | 5,177 |
| Noninterest expense to average assets | 2.1340% | 5,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5697% | 4,509 |
| Return on assets (ROA) | 0.5697% | 4,591 |
| Pretax return on assets | 0.5749% | 5,017 |
| Return on Equity (ROE) | 4.5106% | 4,883 |
| Retained earnings to average equity (ytd only) | 2.6882% | 4,331 |
| Net charge-offs to loans | 0.0074% | 4,773 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 184.0000% | 293 |
| Efficiency ratio | 78.7774% | 2,094 |
| Assets per employee ($millions) | 3.3359% | 5,209 |
| Cash dividends to net income (ytd only)* | 40.4022% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8295% | 1,471 |
| Loan loss allowance to noncurrent loans | 139.3502% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 1.0048% | 2,739 |
| Noncurrent loans to loans | 1.3129% | 2,247 |
| Net loans and leases to total assets | 42.8220% | 5,557 |
| Net loans and leases to deposits | 50.6604% | 5,549 |
| Net loans and leases to core deposits | 51.5691% | 5,637 |
| Total domestic deposits to total assets | 84.5276% | 3,497 |
| Equity capital to assets | 12.7104% | 1,529 |
| Core capital (leverage) ratio | 12.7585% | 1,224 |
| Tier 1 risk-based capital ratio | 24.3275% | 913 |
| Total risk-based capital ratio | 25.5811% | 891 |
| Memoranda: | ||
| Average total assets | $96,015,200 | 4,693 |
| Average earning assets | $91,588,800 | 4,614 |
| Average equity | $12,127,000 | 4,333 |
| Average total loans | $40,485,000 | 5,160 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8882% | 6,213 |
| Cost of funding earning assets | 0.3821% | 3,998 |
| Net interest margin | 2.5061% | 6,216 |
| Noninterest income to average assets | 0.3019% | 5,031 |
| Noninterest expense to average assets | 2.1885% | 5,376 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5092% | 4,843 |
| Return on assets (ROA) | 0.5092% | 4,906 |
| Pretax return on assets | 0.5134% | 5,293 |
| Return on Equity (ROE) | 4.0381% | 5,154 |
| Retained earnings to average equity (ytd only) | 2.6148% | 4,727 |
| Net charge-offs to loans | 0.0100% | 4,389 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 122.9975% | 483 |
| Efficiency ratio | 80.9990% | 1,762 |
| Assets per employee ($millions) | 3.2991% | 5,242 |
| Cash dividends to net income (ytd only)* | 35.2466% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8565% | 1,560 |
| Loan loss allowance to noncurrent loans | 156.9106% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 0.9511% | 3,065 |
| Noncurrent loans to loans | 1.1832% | 2,695 |
| Net loans and leases to total assets | 42.6559% | 5,622 |
| Net loans and leases to deposits | 50.5756% | 5,611 |
| Net loans and leases to core deposits | 51.2720% | 5,725 |
| Total domestic deposits to total assets | 84.3407% | 3,620 |
| Equity capital to assets | 12.8048% | 1,520 |
| Core capital (leverage) ratio | 12.4380% | 1,440 |
| Tier 1 risk-based capital ratio | 24.6388% | 910 |
| Total risk-based capital ratio | 25.8931% | 901 |
| Memoranda: | ||
| Average total assets | $95,834,000 | 4,743 |
| Average earning assets | $91,772,750 | 4,650 |
| Average equity | $12,084,750 | 4,373 |
| Average total loans | $40,056,750 | 5,239 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8608% | 6,288 |
| Cost of funding earning assets | 0.3912% | 3,981 |
| Net interest margin | 2.4696% | 6,306 |
| Noninterest income to average assets | 0.3546% | 4,589 |
| Noninterest expense to average assets | 2.1796% | 5,464 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5277% | 4,703 |
| Return on assets (ROA) | 0.5277% | 4,795 |
| Pretax return on assets | 0.5319% | 5,185 |
| Return on Equity (ROE) | 4.2064% | 5,057 |
| Retained earnings to average equity (ytd only) | 2.5770% | 4,564 |
| Net charge-offs to loans | 0.0152% | 3,930 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 626 |
| Efficiency ratio | 80.3846% | 1,967 |
| Assets per employee ($millions) | 3.4563% | 4,929 |
| Cash dividends to net income (ytd only)* | 38.7352% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9801% | 1,399 |
| Loan loss allowance to noncurrent loans | 156.9106% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 0.9403% | 3,188 |
| Noncurrent loans to loans | 1.2619% | 2,699 |
| Net loans and leases to total assets | 39.4887% | 5,861 |
| Net loans and leases to deposits | 46.6903% | 5,846 |
| Net loans and leases to core deposits | 47.4857% | 5,921 |
| Total domestic deposits to total assets | 84.5759% | 3,696 |
| Equity capital to assets | 12.6042% | 1,580 |
| Core capital (leverage) ratio | 12.4652% | 1,412 |
| Tier 1 risk-based capital ratio | 25.3423% | 839 |
| Total risk-based capital ratio | 26.5969% | 819 |
| Memoranda: | ||
| Average total assets | $95,887,000 | 4,773 |
| Average earning assets | $91,513,330 | 4,689 |
| Average equity | $12,029,330 | 4,392 |
| Average total loans | $39,548,000 | 5,299 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8559% | 6,356 |
| Cost of funding earning assets | 0.4061% | 3,890 |
| Net interest margin | 2.4498% | 6,374 |
| Noninterest income to average assets | 0.4526% | 3,768 |
| Noninterest expense to average assets | 2.2129% | 5,429 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5616% | 4,407 |
| Return on assets (ROA) | 0.5616% | 4,485 |
| Pretax return on assets | 0.5658% | 4,958 |
| Return on Equity (ROE) | 4.4872% | 4,795 |
| Retained earnings to average equity (ytd only) | 4.4872% | 3,424 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6380% | 2,255 |
| Assets per employee ($millions) | 3.3227% | 5,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 1,671 |
| Loan loss allowance to noncurrent loans | 105.2989% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 2,863 |
| Noncurrent loans to loans | 1.8333% | 2,095 |
| Net loans and leases to total assets | 40.8605% | 5,757 |
| Net loans and leases to deposits | 48.2370% | 5,715 |
| Net loans and leases to core deposits | 49.0611% | 5,826 |
| Total domestic deposits to total assets | 84.7079% | 3,997 |
| Equity capital to assets | 12.5077% | 1,573 |
| Core capital (leverage) ratio | 12.3159% | 1,469 |
| Tier 1 risk-based capital ratio | 25.0447% | 884 |
| Total risk-based capital ratio | 26.2993% | 865 |
| Memoranda: | ||
| Average total assets | $95,442,000 | 4,830 |
| Average earning assets | $90,620,500 | 4,761 |
| Average equity | $11,945,000 | 4,428 |
| Average total loans | $39,828,000 | 5,333 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3598% | 5,910 |
| Cost of funding earning assets | 0.4842% | 3,769 |
| Net interest margin | 2.8755% | 5,838 |
| Noninterest income to average assets | 0.1923% | 5,939 |
| Noninterest expense to average assets | 2.3039% | 5,375 |
| Loan and lease loss provision to assets | -0.1053% | 6,491 |
| Net operating income to assets | 0.6745% | 3,920 |
| Return on assets (ROA) | 0.6745% | 4,015 |
| Pretax return on assets | 0.6853% | 4,595 |
| Return on Equity (ROE) | 5.2332% | 4,526 |
| Retained earnings to average equity (ytd only) | 2.9332% | 4,154 |
| Net charge-offs to loans | 0.0122% | 5,207 |
| Credit loss provision to net charge-offs | -1,960.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 435 |
| Efficiency ratio | 79.8883% | 2,165 |
| Assets per employee ($millions) | 3.1509% | 5,592 |
| Cash dividends to net income (ytd only)* | 43.9490% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9616% | 1,645 |
| Loan loss allowance to noncurrent loans | 109.6181% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 1.1901% | 3,021 |
| Noncurrent loans to loans | 1.7895% | 2,243 |
| Net loans and leases to total assets | 40.9767% | 5,896 |
| Net loans and leases to deposits | 48.4338% | 5,871 |
| Net loans and leases to core deposits | 49.5586% | 5,964 |
| Total domestic deposits to total assets | 84.6033% | 3,924 |
| Equity capital to assets | 12.5234% | 1,500 |
| Core capital (leverage) ratio | 12.7927% | 1,224 |
| Tier 1 risk-based capital ratio | 23.5633% | 1,011 |
| Total risk-based capital ratio | 24.8170% | 991 |
| Memoranda: | ||
| Average total assets | $93,101,800 | 4,904 |
| Average earning assets | $87,149,200 | 4,851 |
| Average equity | $12,000,400 | 4,438 |
| Average total loans | $41,040,600 | 5,301 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4325% | 5,816 |
| Cost of funding earning assets | 0.5018% | 3,752 |
| Net interest margin | 2.9307% | 5,736 |
| Noninterest income to average assets | 0.2386% | 5,728 |
| Noninterest expense to average assets | 2.3246% | 5,258 |
| Loan and lease loss provision to assets | -0.0762% | 6,588 |
| Net operating income to assets | 0.7245% | 3,731 |
| Return on assets (ROA) | 0.7245% | 3,854 |
| Pretax return on assets | 0.7360% | 4,551 |
| Return on Equity (ROE) | 5.5808% | 4,428 |
| Retained earnings to average equity (ytd only) | 3.4326% | 4,243 |
| Net charge-offs to loans | 0.0161% | 4,808 |
| Credit loss provision to net charge-offs | -1,060.0000% | 6,195 |
| Earnings coverage of net charge-offs (x) | 91.7511% | 529 |
| Efficiency ratio | 77.8902% | 2,443 |
| Assets per employee ($millions) | 3.0371% | 5,788 |
| Cash dividends to net income (ytd only)* | 38.4922% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0268% | 1,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7496% | 4,232 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 43.5037% | 5,772 |
| Net loans and leases to deposits | 51.8469% | 5,719 |
| Net loans and leases to core deposits | 53.1077% | 5,823 |
| Total domestic deposits to total assets | 83.9081% | 4,228 |
| Equity capital to assets | 13.0430% | 1,317 |
| Core capital (leverage) ratio | 12.7814% | 1,295 |
| Tier 1 risk-based capital ratio | 23.4948% | 1,071 |
| Total risk-based capital ratio | 24.7494% | 1,050 |
| Memoranda: | ||
| Average total assets | $92,745,500 | 4,957 |
| Average earning assets | $86,893,000 | 4,902 |
| Average equity | $12,041,000 | 4,485 |
| Average total loans | $41,423,500 | 5,341 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4425% | 5,805 |
| Cost of funding earning assets | 0.5079% | 3,825 |
| Net interest margin | 2.9346% | 5,716 |
| Noninterest income to average assets | 0.2444% | 5,705 |
| Noninterest expense to average assets | 2.3733% | 5,127 |
| Loan and lease loss provision to assets | -0.0322% | 6,616 |
| Net operating income to assets | 0.6303% | 4,156 |
| Return on assets (ROA) | 0.6303% | 4,309 |
| Pretax return on assets | 0.6410% | 4,874 |
| Return on Equity (ROE) | 4.8622% | 4,796 |
| Retained earnings to average equity (ytd only) | 2.8445% | 4,505 |
| Net charge-offs to loans | 0.0096% | 4,692 |
| Credit loss provision to net charge-offs | -750.0000% | 5,980 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 348 |
| Efficiency ratio | 79.5830% | 2,214 |
| Assets per employee ($millions) | 3.0827% | 5,712 |
| Cash dividends to net income (ytd only)* | 41.4966% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0895% | 1,650 |
| Loan loss allowance to noncurrent loans | 77.8481% | 4,115 |
| Noncurrent assets plus other real estate owned to assets | 1.9388% | 2,237 |
| Noncurrent loans to loans | 2.6841% | 1,699 |
| Net loans and leases to total assets | 43.6256% | 5,774 |
| Net loans and leases to deposits | 51.7536% | 5,703 |
| Net loans and leases to core deposits | 52.9872% | 5,818 |
| Total domestic deposits to total assets | 84.2950% | 4,205 |
| Equity capital to assets | 12.7238% | 1,458 |
| Core capital (leverage) ratio | 12.4985% | 1,359 |
| Tier 1 risk-based capital ratio | 22.9940% | 1,134 |
| Total risk-based capital ratio | 24.2504% | 1,121 |
| Memoranda: | ||
| Average total assets | $93,289,330 | 4,980 |
| Average earning assets | $87,029,670 | 4,927 |
| Average equity | $12,093,330 | 4,510 |
| Average total loans | $41,745,330 | 5,342 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5232% | 5,650 |
| Cost of funding earning assets | 0.5191% | 3,891 |
| Net interest margin | 3.0041% | 5,556 |
| Noninterest income to average assets | 0.2135% | 5,952 |
| Noninterest expense to average assets | 2.3267% | 5,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6660% | 3,868 |
| Return on assets (ROA) | 0.6660% | 4,020 |
| Pretax return on assets | 0.6788% | 4,664 |
| Return on Equity (ROE) | 5.0912% | 4,521 |
| Retained earnings to average equity (ytd only) | 5.0912% | 3,180 |
| Net charge-offs to loans | 0.0190% | 3,776 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 469 |
| Efficiency ratio | 77.4148% | 2,707 |
| Assets per employee ($millions) | 3.1362% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1094% | 1,773 |
| Loan loss allowance to noncurrent loans | 79.4918% | 3,966 |
| Noncurrent assets plus other real estate owned to assets | 2.0247% | 2,307 |
| Noncurrent loans to loans | 2.6536% | 1,942 |
| Net loans and leases to total assets | 43.2079% | 5,740 |
| Net loans and leases to deposits | 51.3957% | 5,674 |
| Net loans and leases to core deposits | 52.6028% | 5,778 |
| Total domestic deposits to total assets | 84.0690% | 4,444 |
| Equity capital to assets | 13.0645% | 1,395 |
| Core capital (leverage) ratio | 12.4494% | 1,356 |
| Tier 1 risk-based capital ratio | 22.8867% | 1,174 |
| Total risk-based capital ratio | 24.1428% | 1,152 |
| Memoranda: | ||
| Average total assets | $93,694,000 | 5,006 |
| Average earning assets | $87,080,500 | 4,956 |
| Average equity | $12,256,500 | 4,527 |
| Average total loans | $42,015,000 | 5,373 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 5,586 |
| Cost of funding earning assets | 0.6540% | 3,881 |
| Net interest margin | 3.2404% | 5,457 |
| Noninterest income to average assets | 0.1918% | 6,034 |
| Noninterest expense to average assets | 2.3150% | 5,651 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8867% | 2,883 |
| Return on assets (ROA) | 0.8867% | 3,123 |
| Pretax return on assets | 0.9021% | 3,911 |
| Return on Equity (ROE) | 6.6974% | 3,815 |
| Retained earnings to average equity (ytd only) | 4.0813% | 3,342 |
| Net charge-offs to loans | 0.0135% | 5,725 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 137.1667% | 304 |
| Efficiency ratio | 71.9591% | 3,423 |
| Assets per employee ($millions) | 3.1100% | 5,824 |
| Cash dividends to net income (ytd only)* | 39.0606% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0658% | 1,843 |
| Loan loss allowance to noncurrent loans | 65.9159% | 4,415 |
| Noncurrent assets plus other real estate owned to assets | 2.2883% | 2,144 |
| Noncurrent loans to loans | 3.1340% | 1,649 |
| Net loans and leases to total assets | 44.6115% | 5,762 |
| Net loans and leases to deposits | 53.1577% | 5,726 |
| Net loans and leases to core deposits | 54.9943% | 5,792 |
| Total domestic deposits to total assets | 83.9230% | 4,352 |
| Equity capital to assets | 13.0985% | 1,390 |
| Core capital (leverage) ratio | 12.6184% | 1,272 |
| Tier 1 risk-based capital ratio | 22.0448% | 1,257 |
| Total risk-based capital ratio | 23.3002% | 1,222 |
| Memoranda: | ||
| Average total assets | $91,232,200 | 5,046 |
| Average earning assets | $85,174,000 | 4,985 |
| Average equity | $12,079,400 | 4,553 |
| Average total loans | $44,344,400 | 5,311 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9264% | 5,720 |
| Cost of funding earning assets | 0.6769% | 3,963 |
| Net interest margin | 3.2495% | 5,547 |
| Noninterest income to average assets | 0.2513% | 5,766 |
| Noninterest expense to average assets | 2.3458% | 5,555 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9362% | 2,810 |
| Return on assets (ROA) | 0.9362% | 3,032 |
| Pretax return on assets | 0.9539% | 3,900 |
| Return on Equity (ROE) | 7.0517% | 3,775 |
| Retained earnings to average equity (ytd only) | 4.4059% | 3,790 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0913% | 3,488 |
| Assets per employee ($millions) | 2.9892% | 6,070 |
| Cash dividends to net income (ytd only)* | 37.5199% | 2,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0688% | 1,985 |
| Loan loss allowance to noncurrent loans | 81.5498% | 3,784 |
| Noncurrent assets plus other real estate owned to assets | 2.3350% | 2,275 |
| Noncurrent loans to loans | 2.5369% | 2,250 |
| Net loans and leases to total assets | 46.6630% | 5,691 |
| Net loans and leases to deposits | 56.0608% | 5,630 |
| Net loans and leases to core deposits | 58.0960% | 5,730 |
| Total domestic deposits to total assets | 83.2365% | 4,550 |
| Equity capital to assets | 13.6423% | 1,289 |
| Core capital (leverage) ratio | 12.5423% | 1,386 |
| Tier 1 risk-based capital ratio | 21.6530% | 1,392 |
| Total risk-based capital ratio | 22.9080% | 1,366 |
| Memoranda: | ||
| Average total assets | $90,715,000 | 5,110 |
| Average earning assets | $85,098,000 | 5,040 |
| Average equity | $12,044,000 | 4,607 |
| Average total loans | $44,805,250 | 5,356 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 5,729 |
| Cost of funding earning assets | 0.7007% | 4,010 |
| Net interest margin | 3.2698% | 5,534 |
| Noninterest income to average assets | 0.2636% | 5,695 |
| Noninterest expense to average assets | 2.3764% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9422% | 2,699 |
| Return on assets (ROA) | 0.9422% | 2,960 |
| Pretax return on assets | 0.9620% | 3,844 |
| Return on Equity (ROE) | 7.1615% | 3,693 |
| Retained earnings to average equity (ytd only) | 4.5907% | 3,552 |
| Net charge-offs to loans | 0.0044% | 5,445 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 438.0000% | 92 |
| Efficiency ratio | 71.1842% | 3,571 |
| Assets per employee ($millions) | 3.0415% | 5,977 |
| Cash dividends to net income (ytd only)* | 35.8974% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0107% | 2,199 |
| Loan loss allowance to noncurrent loans | 80.5657% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 2.3190% | 2,413 |
| Noncurrent loans to loans | 2.4957% | 2,413 |
| Net loans and leases to total assets | 47.1604% | 5,698 |
| Net loans and leases to deposits | 56.3290% | 5,614 |
| Net loans and leases to core deposits | 58.3255% | 5,749 |
| Total domestic deposits to total assets | 83.7231% | 4,428 |
| Equity capital to assets | 13.2411% | 1,416 |
| Core capital (leverage) ratio | 12.3057% | 1,445 |
| Tier 1 risk-based capital ratio | 20.7891% | 1,524 |
| Total risk-based capital ratio | 22.0444% | 1,492 |
| Memoranda: | ||
| Average total assets | $91,061,000 | 5,136 |
| Average earning assets | $85,632,330 | 5,059 |
| Average equity | $11,980,670 | 4,608 |
| Average total loans | $45,497,000 | 5,359 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0374% | 5,639 |
| Cost of funding earning assets | 0.7366% | 3,972 |
| Net interest margin | 3.3008% | 5,477 |
| Noninterest income to average assets | 0.2594% | 5,791 |
| Noninterest expense to average assets | 2.3393% | 5,665 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0069% | 2,455 |
| Return on assets (ROA) | 1.0069% | 2,644 |
| Pretax return on assets | 1.0333% | 3,558 |
| Return on Equity (ROE) | 7.6781% | 3,420 |
| Retained earnings to average equity (ytd only) | 7.6781% | 2,099 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3611% | 3,921 |
| Assets per employee ($millions) | 3.0494% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9638% | 2,473 |
| Loan loss allowance to noncurrent loans | 77.4081% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 2.2900% | 2,599 |
| Noncurrent loans to loans | 2.5370% | 2,569 |
| Net loans and leases to total assets | 48.2385% | 5,523 |
| Net loans and leases to deposits | 57.5051% | 5,435 |
| Net loans and leases to core deposits | 59.5330% | 5,573 |
| Total domestic deposits to total assets | 83.8855% | 4,551 |
| Equity capital to assets | 13.1270% | 1,388 |
| Core capital (leverage) ratio | 12.3233% | 1,424 |
| Tier 1 risk-based capital ratio | 21.2442% | 1,437 |
| Total risk-based capital ratio | 22.4998% | 1,412 |
| Memoranda: | ||
| Average total assets | $90,968,500 | 5,177 |
| Average earning assets | $85,798,000 | 5,088 |
| Average equity | $11,930,000 | 4,626 |
| Average total loans | $46,288,000 | 5,368 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3305% | 5,661 |
| Cost of funding earning assets | 0.9079% | 4,062 |
| Net interest margin | 3.4226% | 5,418 |
| Noninterest income to average assets | 0.2124% | 5,997 |
| Noninterest expense to average assets | 2.4082% | 5,752 |
| Loan and lease loss provision to assets | 0.0381% | 6,095 |
| Net operating income to assets | 0.9879% | 2,244 |
| Return on assets (ROA) | 0.9879% | 2,388 |
| Pretax return on assets | 1.0097% | 3,206 |
| Return on Equity (ROE) | 7.9717% | 2,919 |
| Retained earnings to average equity (ytd only) | 4.8252% | 2,766 |
| Net charge-offs to loans | 0.1464% | 4,973 |
| Credit loss provision to net charge-offs | 49.2958% | 5,439 |
| Earnings coverage of net charge-offs (x) | 13.5493% | 1,532 |
| Efficiency ratio | 69.6817% | 4,027 |
| Assets per employee ($millions) | 3.0151% | 6,054 |
| Cash dividends to net income (ytd only)* | 39.4708% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 2,682 |
| Loan loss allowance to noncurrent loans | 79.4250% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 2.2840% | 2,641 |
| Noncurrent loans to loans | 2.3401% | 2,805 |
| Net loans and leases to total assets | 51.6041% | 5,371 |
| Net loans and leases to deposits | 62.3971% | 5,185 |
| Net loans and leases to core deposits | 65.0846% | 5,357 |
| Total domestic deposits to total assets | 82.7028% | 4,879 |
| Equity capital to assets | 13.1017% | 1,440 |
| Core capital (leverage) ratio | 12.3649% | 1,406 |
| Tier 1 risk-based capital ratio | 19.7976% | 1,684 |
| Total risk-based capital ratio | 21.0502% | 1,655 |
| Memoranda: | ||
| Average total assets | $91,812,000 | 5,140 |
| Average earning assets | $87,010,400 | 5,026 |
| Average equity | $11,377,800 | 4,688 |
| Average total loans | $48,497,800 | 5,324 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3038% | 5,939 |
| Cost of funding earning assets | 0.9268% | 4,220 |
| Net interest margin | 3.3770% | 5,644 |
| Noninterest income to average assets | 0.2532% | 5,811 |
| Noninterest expense to average assets | 2.4351% | 5,675 |
| Loan and lease loss provision to assets | 0.0434% | 5,895 |
| Net operating income to assets | 0.9622% | 2,475 |
| Return on assets (ROA) | 0.9622% | 2,638 |
| Pretax return on assets | 0.9853% | 3,458 |
| Return on Equity (ROE) | 7.8746% | 3,092 |
| Retained earnings to average equity (ytd only) | 4.9616% | 3,193 |
| Net charge-offs to loans | 0.4323% | 2,989 |
| Credit loss provision to net charge-offs | 18.9873% | 5,574 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 3,055 |
| Efficiency ratio | 70.3008% | 3,910 |
| Assets per employee ($millions) | 3.0433% | 6,021 |
| Cash dividends to net income (ytd only)* | 36.9925% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6475% | 3,454 |
| Loan loss allowance to noncurrent loans | 68.0997% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.3078% | 2,779 |
| Noncurrent loans to loans | 2.4192% | 2,863 |
| Net loans and leases to total assets | 51.7886% | 5,474 |
| Net loans and leases to deposits | 62.5150% | 5,341 |
| Net loans and leases to core deposits | 65.1770% | 5,506 |
| Total domestic deposits to total assets | 82.8419% | 4,743 |
| Equity capital to assets | 12.7966% | 1,719 |
| Core capital (leverage) ratio | 11.7281% | 1,872 |
| Tier 1 risk-based capital ratio | 19.4168% | 1,838 |
| Total risk-based capital ratio | 20.6691% | 1,808 |
| Memoranda: | ||
| Average total assets | $92,151,500 | 5,168 |
| Average earning assets | $87,609,250 | 5,046 |
| Average equity | $11,259,500 | 4,742 |
| Average total loans | $48,731,750 | 5,361 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3037% | 6,013 |
| Cost of funding earning assets | 0.9334% | 4,434 |
| Net interest margin | 3.3703% | 5,636 |
| Noninterest income to average assets | 0.2661% | 5,749 |
| Noninterest expense to average assets | 2.4125% | 5,805 |
| Loan and lease loss provision to assets | 0.0433% | 5,773 |
| Net operating income to assets | 1.0018% | 2,222 |
| Return on assets (ROA) | 1.0018% | 2,320 |
| Pretax return on assets | 1.0212% | 3,159 |
| Return on Equity (ROE) | 8.3286% | 2,794 |
| Retained earnings to average equity (ytd only) | 5.4684% | 2,705 |
| Net charge-offs to loans | 0.6496% | 2,220 |
| Credit loss provision to net charge-offs | 12.5786% | 5,219 |
| Earnings coverage of net charge-offs (x) | 3.0943% | 3,306 |
| Efficiency ratio | 69.3839% | 4,242 |
| Assets per employee ($millions) | 3.0910% | 5,899 |
| Cash dividends to net income (ytd only)* | 34.3413% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6107% | 3,652 |
| Loan loss allowance to noncurrent loans | 68.9320% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.2420% | 2,928 |
| Noncurrent loans to loans | 2.3367% | 3,054 |
| Net loans and leases to total assets | 51.4472% | 5,638 |
| Net loans and leases to deposits | 61.9539% | 5,508 |
| Net loans and leases to core deposits | 65.5622% | 5,560 |
| Total domestic deposits to total assets | 83.0411% | 4,734 |
| Equity capital to assets | 12.3466% | 1,873 |
| Core capital (leverage) ratio | 11.7134% | 1,774 |
| Tier 1 risk-based capital ratio | 19.0683% | 1,821 |
| Total risk-based capital ratio | 20.3203% | 1,785 |
| Memoranda: | ||
| Average total assets | $92,436,000 | 5,194 |
| Average earning assets | $88,064,000 | 5,055 |
| Average equity | $11,118,330 | 4,779 |
| Average total loans | $48,951,000 | 5,396 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 5,823 |
| Cost of funding earning assets | 0.9445% | 4,614 |
| Net interest margin | 3.4149% | 5,372 |
| Noninterest income to average assets | 0.2514% | 5,895 |
| Noninterest expense to average assets | 2.4098% | 5,857 |
| Loan and lease loss provision to assets | 0.0650% | 5,182 |
| Net operating income to assets | 1.0142% | 2,141 |
| Return on assets (ROA) | 1.0142% | 2,188 |
| Pretax return on assets | 1.0359% | 2,999 |
| Return on Equity (ROE) | 8.5456% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.5456% | 1,540 |
| Net charge-offs to loans | 0.1057% | 3,900 |
| Credit loss provision to net charge-offs | 115.3846% | 2,334 |
| Earnings coverage of net charge-offs (x) | 19.5385% | 1,136 |
| Efficiency ratio | 68.6420% | 4,529 |
| Assets per employee ($millions) | 3.0861% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8938% | 2,711 |
| Loan loss allowance to noncurrent loans | 80.1043% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 2.2650% | 2,986 |
| Noncurrent loans to loans | 2.3642% | 3,123 |
| Net loans and leases to total assets | 51.5889% | 5,634 |
| Net loans and leases to deposits | 61.6706% | 5,549 |
| Net loans and leases to core deposits | 65.2406% | 5,596 |
| Total domestic deposits to total assets | 83.6523% | 4,641 |
| Equity capital to assets | 12.0380% | 1,895 |
| Core capital (leverage) ratio | 11.4595% | 1,869 |
| Tier 1 risk-based capital ratio | 18.7987% | 1,869 |
| Total risk-based capital ratio | 20.0534% | 1,823 |
| Memoranda: | ||
| Average total assets | $92,289,000 | 5,228 |
| Average earning assets | $88,085,500 | 5,090 |
| Average equity | $10,953,000 | 4,811 |
| Average total loans | $49,182,500 | 5,432 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9546% | 4,767 |
| Cost of funding earning assets | 1.1172% | 5,038 |
| Net interest margin | 3.8374% | 3,790 |
| Noninterest income to average assets | 0.2211% | 6,224 |
| Noninterest expense to average assets | 2.4159% | 6,058 |
| Loan and lease loss provision to assets | 0.5631% | 2,874 |
| Net operating income to assets | 0.8670% | 2,526 |
| Return on assets (ROA) | 0.8670% | 2,660 |
| Pretax return on assets | 0.8823% | 3,370 |
| Return on Equity (ROE) | 7.4932% | 2,898 |
| Retained earnings to average equity (ytd only) | 5.0927% | 2,358 |
| Net charge-offs to loans | 0.6097% | 3,205 |
| Credit loss provision to net charge-offs | 161.5625% | 2,155 |
| Earnings coverage of net charge-offs (x) | 4.1469% | 3,039 |
| Efficiency ratio | 62.5670% | 5,610 |
| Assets per employee ($millions) | 3.0665% | 5,955 |
| Cash dividends to net income (ytd only)* | 32.0352% | 2,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8518% | 2,684 |
| Loan loss allowance to noncurrent loans | 175.2381% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 5,369 |
| Noncurrent loans to loans | 1.0567% | 4,957 |
| Net loans and leases to total assets | 53.0034% | 5,784 |
| Net loans and leases to deposits | 63.2939% | 5,710 |
| Net loans and leases to core deposits | 67.2371% | 5,748 |
| Total domestic deposits to total assets | 83.7417% | 4,484 |
| Equity capital to assets | 11.6972% | 2,130 |
| Core capital (leverage) ratio | 11.2578% | 1,979 |
| Tier 1 risk-based capital ratio | 17.6704% | 2,099 |
| Total risk-based capital ratio | 18.9242% | 2,068 |
| Memoranda: | ||
| Average total assets | $91,808,200 | 5,229 |
| Average earning assets | $87,090,800 | 5,113 |
| Average equity | $10,623,000 | 4,955 |
| Average total loans | $52,485,400 | 5,382 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7993% | 5,659 |
| Cost of funding earning assets | 1.1534% | 5,126 |
| Net interest margin | 3.6459% | 4,650 |
| Noninterest income to average assets | 0.2790% | 5,873 |
| Noninterest expense to average assets | 2.4018% | 6,035 |
| Loan and lease loss provision to assets | 0.6858% | 2,225 |
| Net operating income to assets | 0.6248% | 3,774 |
| Return on assets (ROA) | 0.6248% | 3,946 |
| Pretax return on assets | 0.6408% | 4,451 |
| Return on Equity (ROE) | 5.4146% | 4,077 |
| Retained earnings to average equity (ytd only) | 2.9592% | 4,364 |
| Net charge-offs to loans | 0.7345% | 2,584 |
| Credit loss provision to net charge-offs | 161.0922% | 2,350 |
| Earnings coverage of net charge-offs (x) | 3.1160% | 3,583 |
| Efficiency ratio | 64.4193% | 5,171 |
| Assets per employee ($millions) | 3.0680% | 5,992 |
| Cash dividends to net income (ytd only)* | 45.3481% | 1,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 3,022 |
| Loan loss allowance to noncurrent loans | 47.2251% | 5,144 |
| Noncurrent assets plus other real estate owned to assets | 2.4077% | 2,971 |
| Noncurrent loans to loans | 3.6851% | 2,117 |
| Net loans and leases to total assets | 55.3331% | 5,650 |
| Net loans and leases to deposits | 66.2883% | 5,635 |
| Net loans and leases to core deposits | 69.4684% | 5,805 |
| Total domestic deposits to total assets | 83.4733% | 4,389 |
| Equity capital to assets | 11.9058% | 2,220 |
| Core capital (leverage) ratio | 10.9530% | 2,293 |
| Tier 1 risk-based capital ratio | 16.6474% | 2,487 |
| Total risk-based capital ratio | 17.9007% | 2,447 |
| Memoranda: | ||
| Average total assets | $91,761,250 | 5,296 |
| Average earning assets | $86,816,750 | 5,179 |
| Average equity | $10,588,500 | 5,026 |
| Average total loans | $53,186,500 | 5,427 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8324% | 5,677 |
| Cost of funding earning assets | 1.1914% | 5,179 |
| Net interest margin | 3.6411% | 4,628 |
| Noninterest income to average assets | 0.2727% | 5,970 |
| Noninterest expense to average assets | 2.3083% | 6,331 |
| Loan and lease loss provision to assets | 0.7091% | 2,054 |
| Net operating income to assets | 0.6807% | 3,479 |
| Return on assets (ROA) | 0.6807% | 3,629 |
| Pretax return on assets | 0.6960% | 4,253 |
| Return on Equity (ROE) | 5.9625% | 3,821 |
| Retained earnings to average equity (ytd only) | 2.2360% | 4,731 |
| Net charge-offs to loans | 0.9135% | 2,007 |
| Credit loss provision to net charge-offs | 132.6531% | 3,035 |
| Earnings coverage of net charge-offs (x) | 2.6286% | 3,684 |
| Efficiency ratio | 62.1622% | 5,662 |
| Assets per employee ($millions) | 3.0436% | 6,051 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 3,845 |
| Loan loss allowance to noncurrent loans | 38.9428% | 5,749 |
| Noncurrent assets plus other real estate owned to assets | 2.5145% | 2,871 |
| Noncurrent loans to loans | 3.8886% | 1,966 |
| Net loans and leases to total assets | 57.1948% | 5,534 |
| Net loans and leases to deposits | 67.9116% | 5,569 |
| Net loans and leases to core deposits | 71.1663% | 5,754 |
| Total domestic deposits to total assets | 84.2195% | 4,005 |
| Equity capital to assets | 11.5772% | 2,377 |
| Core capital (leverage) ratio | 11.0147% | 2,232 |
| Tier 1 risk-based capital ratio | 16.2810% | 2,558 |
| Total risk-based capital ratio | 17.5310% | 2,513 |
| Memoranda: | ||
| Average total assets | $91,668,670 | 5,335 |
| Average earning assets | $86,623,000 | 5,220 |
| Average equity | $10,465,330 | 5,072 |
| Average total loans | $53,638,670 | 5,440 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7985% | 5,895 |
| Cost of funding earning assets | 1.2435% | 5,152 |
| Net interest margin | 3.5550% | 4,925 |
| Noninterest income to average assets | 0.2918% | 5,810 |
| Noninterest expense to average assets | 2.3386% | 6,284 |
| Loan and lease loss provision to assets | 0.1960% | 4,542 |
| Net operating income to assets | 1.0931% | 1,848 |
| Return on assets (ROA) | 1.0931% | 1,932 |
| Pretax return on assets | 1.1062% | 2,712 |
| Return on Equity (ROE) | 9.6423% | 2,232 |
| Retained earnings to average equity (ytd only) | 9.6423% | 1,224 |
| Net charge-offs to loans | -0.3930% | 7,781 |
| Credit loss provision to net charge-offs | -84.9057% | 6,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2344% | 5,448 |
| Assets per employee ($millions) | 2.9459% | 6,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5371% | 3,709 |
| Loan loss allowance to noncurrent loans | 30.2617% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 3.2380% | 2,217 |
| Noncurrent loans to loans | 5.0792% | 1,414 |
| Net loans and leases to total assets | 57.5901% | 5,513 |
| Net loans and leases to deposits | 68.3674% | 5,548 |
| Net loans and leases to core deposits | 72.1490% | 5,698 |
| Total domestic deposits to total assets | 84.2362% | 4,027 |
| Equity capital to assets | 11.5568% | 2,320 |
| Core capital (leverage) ratio | 11.0255% | 2,214 |
| Tier 1 risk-based capital ratio | 16.3610% | 2,499 |
| Total risk-based capital ratio | 17.6118% | 2,458 |
| Memoranda: | ||
| Average total assets | $91,848,500 | 5,389 |
| Average earning assets | $86,526,500 | 5,289 |
| Average equity | $10,412,500 | 5,128 |
| Average total loans | $53,944,500 | 5,494 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 6,172 |
| Cost of funding earning assets | 1.5512% | 5,273 |
| Net interest margin | 3.5259% | 4,838 |
| Noninterest income to average assets | 0.2199% | 6,541 |
| Noninterest expense to average assets | 2.6114% | 5,760 |
| Loan and lease loss provision to assets | 0.7403% | 2,891 |
| Net operating income to assets | 0.1888% | 4,933 |
| Return on assets (ROA) | 0.1888% | 5,007 |
| Pretax return on assets | 0.2092% | 4,983 |
| Return on Equity (ROE) | 1.7197% | 5,011 |
| Retained earnings to average equity (ytd only) | 0.2736% | 4,756 |
| Net charge-offs to loans | 0.9046% | 2,579 |
| Credit loss provision to net charge-offs | 136.3636% | 3,621 |
| Earnings coverage of net charge-offs (x) | 1.7490% | 4,417 |
| Efficiency ratio | 73.3353% | 4,027 |
| Assets per employee ($millions) | 3.0791% | 6,036 |
| Cash dividends to net income (ytd only)* | 84.0909% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3272% | 4,610 |
| Loan loss allowance to noncurrent loans | 33.6749% | 6,189 |
| Noncurrent assets plus other real estate owned to assets | 2.6317% | 2,673 |
| Noncurrent loans to loans | 3.9413% | 1,882 |
| Net loans and leases to total assets | 58.1895% | 5,635 |
| Net loans and leases to deposits | 68.7603% | 5,749 |
| Net loans and leases to core deposits | 78.2257% | 6,244 |
| Total domestic deposits to total assets | 84.6266% | 3,742 |
| Equity capital to assets | 11.1189% | 2,610 |
| Core capital (leverage) ratio | 10.9143% | 2,275 |
| Tier 1 risk-based capital ratio | 15.5325% | 2,702 |
| Total risk-based capital ratio | 16.6730% | 2,701 |
| Memoranda: | ||
| Average total assets | $93,208,400 | 5,294 |
| Average earning assets | $88,318,600 | 5,178 |
| Average equity | $10,234,600 | 5,230 |
| Average total loans | $55,936,600 | 5,422 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0951% | 6,284 |
| Cost of funding earning assets | 1.6208% | 5,305 |
| Net interest margin | 3.4743% | 4,975 |
| Noninterest income to average assets | 0.2926% | 6,136 |
| Noninterest expense to average assets | 2.6590% | 5,495 |
| Loan and lease loss provision to assets | 0.3140% | 4,463 |
| Net operating income to assets | 0.6023% | 3,595 |
| Return on assets (ROA) | 0.6023% | 3,648 |
| Pretax return on assets | 0.6237% | 4,114 |
| Return on Equity (ROE) | 5.5024% | 3,734 |
| Retained earnings to average equity (ytd only) | 3.5726% | 3,292 |
| Net charge-offs to loans | 0.1634% | 5,081 |
| Credit loss provision to net charge-offs | 318.8406% | 1,291 |
| Earnings coverage of net charge-offs (x) | 9.5215% | 2,097 |
| Efficiency ratio | 73.9286% | 3,873 |
| Assets per employee ($millions) | 3.0157% | 6,124 |
| Cash dividends to net income (ytd only)* | 35.0715% | 2,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 4,841 |
| Loan loss allowance to noncurrent loans | 24.8023% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 3.4110% | 1,956 |
| Noncurrent loans to loans | 5.0349% | 1,300 |
| Net loans and leases to total assets | 60.3104% | 5,537 |
| Net loans and leases to deposits | 72.0412% | 5,635 |
| Net loans and leases to core deposits | 82.5364% | 6,147 |
| Total domestic deposits to total assets | 83.7165% | 3,853 |
| Equity capital to assets | 11.8877% | 2,299 |
| Core capital (leverage) ratio | 11.1085% | 2,326 |
| Tier 1 risk-based capital ratio | 16.0147% | 2,624 |
| Total risk-based capital ratio | 17.1097% | 2,614 |
| Memoranda: | ||
| Average total assets | $93,417,000 | 5,318 |
| Average earning assets | $88,841,250 | 5,202 |
| Average equity | $10,225,500 | 5,276 |
| Average total loans | $56,302,000 | 5,448 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0686% | 6,548 |
| Cost of funding earning assets | 1.7059% | 5,237 |
| Net interest margin | 3.3627% | 5,304 |
| Noninterest income to average assets | 0.3009% | 6,111 |
| Noninterest expense to average assets | 2.6335% | 5,609 |
| Loan and lease loss provision to assets | 0.1589% | 5,481 |
| Net operating income to assets | 0.6780% | 3,353 |
| Return on assets (ROA) | 0.6780% | 3,469 |
| Pretax return on assets | 0.6992% | 3,994 |
| Return on Equity (ROE) | 6.3688% | 3,489 |
| Retained earnings to average equity (ytd only) | 4.0203% | 3,053 |
| Net charge-offs to loans | 0.1765% | 4,472 |
| Credit loss provision to net charge-offs | 150.0000% | 3,068 |
| Earnings coverage of net charge-offs (x) | 8.1000% | 2,316 |
| Efficiency ratio | 75.4248% | 3,800 |
| Assets per employee ($millions) | 3.1237% | 5,800 |
| Cash dividends to net income (ytd only)* | 36.8750% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0090% | 6,169 |
| Loan loss allowance to noncurrent loans | 23.3444% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 2.9026% | 2,201 |
| Noncurrent loans to loans | 4.3222% | 1,509 |
| Net loans and leases to total assets | 59.0471% | 5,834 |
| Net loans and leases to deposits | 70.5337% | 5,927 |
| Net loans and leases to core deposits | 80.6545% | 6,347 |
| Total domestic deposits to total assets | 83.7147% | 3,916 |
| Equity capital to assets | 10.8505% | 3,056 |
| Core capital (leverage) ratio | 10.9175% | 2,473 |
| Tier 1 risk-based capital ratio | 15.7122% | 2,723 |
| Total risk-based capital ratio | 16.5966% | 2,803 |
| Memoranda: | ||
| Average total assets | $94,398,670 | 5,329 |
| Average earning assets | $89,571,000 | 5,216 |
| Average equity | $10,049,000 | 5,349 |
| Average total loans | $56,651,330 | 5,483 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1308% | 6,560 |
| Cost of funding earning assets | 1.8487% | 4,883 |
| Net interest margin | 3.2821% | 5,564 |
| Noninterest income to average assets | 0.2702% | 6,275 |
| Noninterest expense to average assets | 2.5121% | 5,794 |
| Loan and lease loss provision to assets | 0.1267% | 5,338 |
| Net operating income to assets | 0.7135% | 3,488 |
| Return on assets (ROA) | 0.7135% | 3,684 |
| Pretax return on assets | 0.7346% | 4,307 |
| Return on Equity (ROE) | 6.7671% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.7671% | 2,304 |
| Net charge-offs to loans | 0.0491% | 4,792 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 29.1429% | 1,080 |
| Efficiency ratio | 74.4681% | 3,737 |
| Assets per employee ($millions) | 3.1362% | 5,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9949% | 6,221 |
| Loan loss allowance to noncurrent loans | 19.2466% | 7,211 |
| Noncurrent assets plus other real estate owned to assets | 3.4267% | 1,577 |
| Noncurrent loans to loans | 5.1693% | 1,040 |
| Net loans and leases to total assets | 59.4409% | 5,748 |
| Net loans and leases to deposits | 70.9069% | 5,882 |
| Net loans and leases to core deposits | 82.2959% | 6,215 |
| Total domestic deposits to total assets | 83.8295% | 3,784 |
| Equity capital to assets | 10.8019% | 3,183 |
| Core capital (leverage) ratio | 10.5889% | 2,830 |
| Tier 1 risk-based capital ratio | 15.4382% | 2,878 |
| Total risk-based capital ratio | 16.3070% | 2,980 |
| Memoranda: | ||
| Average total assets | $94,743,000 | 5,342 |
| Average earning assets | $89,577,500 | 5,237 |
| Average equity | $9,989,500 | 5,388 |
| Average total loans | $57,028,500 | 5,498 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9464% | 5,822 |
| Cost of funding earning assets | 2.4190% | 4,638 |
| Net interest margin | 3.5274% | 5,200 |
| Noninterest income to average assets | 0.2133% | 6,913 |
| Noninterest expense to average assets | 2.3764% | 6,483 |
| Loan and lease loss provision to assets | 0.3061% | 3,924 |
| Net operating income to assets | 0.8193% | 3,352 |
| Return on assets (ROA) | 0.8193% | 3,193 |
| Pretax return on assets | 0.8397% | 3,930 |
| Return on Equity (ROE) | 8.1709% | 2,997 |
| Retained earnings to average equity (ytd only) | 3.6937% | 2,849 |
| Net charge-offs to loans | 0.8636% | 1,448 |
| Credit loss provision to net charge-offs | 58.4795% | 6,250 |
| Earnings coverage of net charge-offs (x) | 2.1891% | 4,979 |
| Efficiency ratio | 67.4681% | 4,823 |
| Assets per employee ($millions) | 3.2897% | 5,240 |
| Cash dividends to net income (ytd only)* | 54.7945% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9363% | 6,468 |
| Loan loss allowance to noncurrent loans | 22.9557% | 7,105 |
| Noncurrent assets plus other real estate owned to assets | 2.7798% | 1,690 |
| Noncurrent loans to loans | 4.0785% | 1,199 |
| Net loans and leases to total assets | 59.7803% | 5,942 |
| Net loans and leases to deposits | 72.0780% | 6,054 |
| Net loans and leases to core deposits | 84.6924% | 6,232 |
| Total domestic deposits to total assets | 82.9383% | 3,798 |
| Equity capital to assets | 10.2892% | 3,727 |
| Core capital (leverage) ratio | 10.2374% | 3,226 |
| Tier 1 risk-based capital ratio | 14.9455% | 3,072 |
| Total risk-based capital ratio | 15.7660% | 3,208 |
| Memoranda: | ||
| Average total assets | $98,006,600 | 5,115 |
| Average earning assets | $91,938,200 | 5,029 |
| Average equity | $9,827,600 | 5,462 |
| Average total loans | $59,400,400 | 5,295 |