Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7274% | 903 |
| Cost of funding earning assets | 1.7622% | 1,317 |
| Net interest margin | 3.9652% | 1,259 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 1.7660% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.3306% | 291 |
| Return on assets (ROA) | 2.3306% | 283 |
| Pretax return on assets | 2.3306% | 416 |
| Return on Equity (ROE) | 24.7200% | 322 |
| Retained earnings to average equity (ytd only) | 8.0139% | 1,536 |
| 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 | 43.1086% | 4,284 |
| Assets per employee ($millions) | 10.9698% | 530 |
| Cash dividends to net income (ytd only)* | 67.5754% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3955% | 1,404 |
| 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 | 73.5800% | 1,414 |
| Net loans and leases to deposits | 81.5260% | 1,988 |
| Net loans and leases to core deposits | 120.8942% | 598 |
| Total domestic deposits to total assets | 90.2600% | 693 |
| Equity capital to assets | 9.4979% | 2,346 |
| Core capital (leverage) ratio | 9.9277% | 2,845 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8749% | 1,571 |
| Memoranda: | ||
| Average total assets | $221,913,400 | 2,835 |
| Average earning assets | $212,749,200 | 2,787 |
| Average equity | $20,926,200 | 2,782 |
| Average total loans | $169,301,200 | 2,527 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5659% | 945 |
| Cost of funding earning assets | 1.5554% | 1,472 |
| Net interest margin | 4.0105% | 1,201 |
| Noninterest income to average assets | 0.3000% | 3,117 |
| Noninterest expense to average assets | 1.8016% | 3,971 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 2.3396% | 311 |
| Return on assets (ROA) | 2.3396% | 302 |
| Pretax return on assets | 2.3396% | 457 |
| Return on Equity (ROE) | 24.8600% | 389 |
| Retained earnings to average equity (ytd only) | 6.8187% | 2,356 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 43.5037% | 4,256 |
| Assets per employee ($millions) | 10.6105% | 557 |
| Cash dividends to net income (ytd only)* | 72.5694% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 1,408 |
| 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 | 75.2100% | 1,206 |
| Net loans and leases to deposits | 83.3320% | 1,800 |
| Net loans and leases to core deposits | 120.2381% | 540 |
| Total domestic deposits to total assets | 90.2600% | 873 |
| Equity capital to assets | 9.4358% | 2,137 |
| Core capital (leverage) ratio | 9.9538% | 2,872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0477% | 1,548 |
| Memoranda: | ||
| Average total assets | $219,800,250 | 2,861 |
| Average earning assets | $210,707,750 | 2,812 |
| Average equity | $20,687,750 | 2,791 |
| Average total loans | $168,648,500 | 2,535 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3838% | 973 |
| Cost of funding earning assets | 1.2747% | 1,780 |
| Net interest margin | 4.1091% | 1,075 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 1.7715% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.4663% | 254 |
| Return on assets (ROA) | 2.4663% | 249 |
| Pretax return on assets | 2.4663% | 371 |
| Return on Equity (ROE) | 26.2300% | 324 |
| Retained earnings to average equity (ytd only) | 6.5029% | 2,448 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 41.8033% | 4,345 |
| Assets per employee ($millions) | 10.4413% | 587 |
| Cash dividends to net income (ytd only)* | 75.2039% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4472% | 1,365 |
| 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 | 74.5400% | 1,222 |
| Net loans and leases to deposits | 82.5485% | 1,794 |
| Net loans and leases to core deposits | 116.3537% | 617 |
| Total domestic deposits to total assets | 90.3000% | 841 |
| Equity capital to assets | 9.4423% | 2,195 |
| Core capital (leverage) ratio | 10.0679% | 2,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1068% | 1,546 |
| Memoranda: | ||
| Average total assets | $218,793,333 | 2,878 |
| Average earning assets | $209,779,333 | 2,826 |
| Average equity | $20,575,333 | 2,812 |
| Average total loans | $168,201,667 | 2,535 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2622% | 871 |
| Cost of funding earning assets | 0.9563% | 2,197 |
| Net interest margin | 4.3060% | 796 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 1.8229% | 3,990 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.5897% | 221 |
| Return on assets (ROA) | 2.5897% | 217 |
| Pretax return on assets | 2.5897% | 322 |
| Return on Equity (ROE) | 27.5900% | 309 |
| Retained earnings to average equity (ytd only) | 4.6609% | 3,099 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 41.3107% | 4,409 |
| Assets per employee ($millions) | 10.8017% | 544 |
| Cash dividends to net income (ytd only)* | 83.1095% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 1,545 |
| 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 | 77.0700% | 869 |
| Net loans and leases to deposits | 85.2157% | 1,413 |
| Net loans and leases to core deposits | 114.4961% | 572 |
| Total domestic deposits to total assets | 90.4400% | 999 |
| Equity capital to assets | 9.3985% | 2,229 |
| Core capital (leverage) ratio | 9.5685% | 3,131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2465% | 1,884 |
| Memoranda: | ||
| Average total assets | $218,556,000 | 2,918 |
| Average earning assets | $209,568,500 | 2,863 |
| Average equity | $20,511,000 | 2,840 |
| Average total loans | $169,381,500 | 2,551 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2312% | 1,190 |
| Cost of funding earning assets | 0.3894% | 2,179 |
| Net interest margin | 3.8417% | 1,080 |
| Noninterest income to average assets | 0.2800% | 3,464 |
| Noninterest expense to average assets | 1.6109% | 4,292 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 2.3670% | 167 |
| Return on assets (ROA) | 2.3670% | 163 |
| Pretax return on assets | 2.3670% | 249 |
| Return on Equity (ROE) | 26.5900% | 160 |
| Retained earnings to average equity (ytd only) | 14.2904% | 353 |
| Net charge-offs to loans | -0.0174% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.4966% | 4,529 |
| Assets per employee ($millions) | 11.0539% | 495 |
| Cash dividends to net income (ytd only)* | 46.2500% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,301 |
| 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 | 76.0600% | 1,003 |
| Net loans and leases to deposits | 84.0217% | 1,474 |
| Net loans and leases to core deposits | 113.6942% | 495 |
| Total domestic deposits to total assets | 90.5300% | 1,136 |
| Equity capital to assets | 9.3714% | 2,095 |
| Core capital (leverage) ratio | 9.0978% | 3,585 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.0632% | 1,955 |
| Memoranda: | ||
| Average total assets | $219,687,800 | 2,904 |
| Average earning assets | $211,336,800 | 2,854 |
| Average equity | $19,558,600 | 2,990 |
| Average total loans | $155,578,000 | 2,585 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9220% | 1,431 |
| Cost of funding earning assets | 0.2840% | 2,345 |
| Net interest margin | 3.6380% | 1,302 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.6382% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.1500% | 227 |
| Return on assets (ROA) | 2.1500% | 225 |
| Pretax return on assets | 2.1500% | 349 |
| Return on Equity (ROE) | 24.4700% | 204 |
| Retained earnings to average equity (ytd only) | 13.4515% | 551 |
| Net charge-offs to loans | -0.0228% | 4,034 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 43.2445% | 4,488 |
| Assets per employee ($millions) | 11.6278% | 431 |
| Cash dividends to net income (ytd only)* | 45.0382% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,115 |
| 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 | 67.7000% | 1,708 |
| Net loans and leases to deposits | 74.2248% | 2,030 |
| Net loans and leases to core deposits | 98.0226% | 896 |
| Total domestic deposits to total assets | 91.2100% | 1,157 |
| Equity capital to assets | 8.6289% | 2,460 |
| Core capital (leverage) ratio | 8.8867% | 3,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7489% | 1,788 |
| Memoranda: | ||
| Average total assets | $219,340,250 | 2,926 |
| Average earning assets | $211,247,250 | 2,873 |
| Average equity | $19,268,750 | 3,056 |
| Average total loans | $152,004,250 | 2,617 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7316% | 1,466 |
| Cost of funding earning assets | 0.2173% | 2,673 |
| Net interest margin | 3.5144% | 1,277 |
| Noninterest income to average assets | 0.2810% | 3,482 |
| Noninterest expense to average assets | 1.6349% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.0322% | 218 |
| Return on assets (ROA) | 2.0322% | 221 |
| Pretax return on assets | 2.0322% | 354 |
| Return on Equity (ROE) | 22.9862% | 163 |
| Retained earnings to average equity (ytd only) | 13.8296% | 379 |
| Net charge-offs to loans | -0.0294% | 4,029 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5826% | 4,507 |
| Assets per employee ($millions) | 10.6738% | 542 |
| Cash dividends to net income (ytd only)* | 39.8352% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1303% | 3,034 |
| 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 | 66.8100% | 1,604 |
| Net loans and leases to deposits | 73.3168% | 1,932 |
| Net loans and leases to core deposits | 97.2555% | 785 |
| Total domestic deposits to total assets | 91.1251% | 1,172 |
| Equity capital to assets | 8.7544% | 2,567 |
| Core capital (leverage) ratio | 8.9584% | 3,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $214,935,000 | 2,990 |
| Average earning assets | $207,093,667 | 2,938 |
| Average equity | $19,002,667 | 3,149 |
| Average total loans | $149,620,667 | 2,648 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7343% | 1,207 |
| Cost of funding earning assets | 0.1916% | 2,917 |
| Net interest margin | 3.5428% | 1,000 |
| Noninterest income to average assets | 0.2548% | 3,617 |
| Noninterest expense to average assets | 1.7706% | 4,013 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.8961% | 275 |
| Return on assets (ROA) | 1.8961% | 274 |
| Pretax return on assets | 1.8961% | 455 |
| Return on Equity (ROE) | 21.3348% | 183 |
| Retained earnings to average equity (ytd only) | 15.5142% | 260 |
| Net charge-offs to loans | -0.0592% | 4,313 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2884% | 4,388 |
| Assets per employee ($millions) | 10.7761% | 545 |
| Cash dividends to net income (ytd only)* | 27.2818% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1616% | 3,049 |
| 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 | 67.5911% | 1,254 |
| Net loans and leases to deposits | 74.2132% | 1,588 |
| Net loans and leases to core deposits | 96.5643% | 631 |
| Total domestic deposits to total assets | 91.0770% | 997 |
| Equity capital to assets | 8.8409% | 2,851 |
| Core capital (leverage) ratio | 8.9756% | 3,387 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $210,328,000 | 3,040 |
| Average earning assets | $202,553,500 | 2,992 |
| Average equity | $18,692,500 | 3,262 |
| Average total loans | $148,698,000 | 2,644 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0361% | 1,276 |
| Cost of funding earning assets | 0.2457% | 2,982 |
| Net interest margin | 3.7904% | 1,032 |
| Noninterest income to average assets | 0.2531% | 3,855 |
| Noninterest expense to average assets | 1.7041% | 4,291 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.2087% | 239 |
| Return on assets (ROA) | 2.2087% | 249 |
| Pretax return on assets | 2.2087% | 402 |
| Return on Equity (ROE) | 23.9773% | 144 |
| Retained earnings to average equity (ytd only) | 10.7154% | 760 |
| Net charge-offs to loans | 0.0015% | 2,608 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 2,085.5000% | 64 |
| Efficiency ratio | 43.5512% | 4,588 |
| Assets per employee ($millions) | 10.2568% | 618 |
| Cash dividends to net income (ytd only)* | 55.3105% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1266% | 3,244 |
| 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 | 72.3041% | 825 |
| Net loans and leases to deposits | 79.4822% | 1,257 |
| Net loans and leases to core deposits | 103.1454% | 432 |
| Total domestic deposits to total assets | 90.9689% | 502 |
| Equity capital to assets | 8.9361% | 3,693 |
| Core capital (leverage) ratio | 9.3892% | 2,983 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $188,840,000 | 3,137 |
| Average earning assets | $182,330,800 | 3,078 |
| Average equity | $17,395,600 | 3,435 |
| Average total loans | $132,271,200 | 2,824 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1280% | 1,243 |
| Cost of funding earning assets | 0.2636% | 2,978 |
| Net interest margin | 3.8644% | 997 |
| Noninterest income to average assets | 0.2468% | 3,919 |
| Noninterest expense to average assets | 1.7759% | 4,209 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2060% | 322 |
| Return on assets (ROA) | 2.2060% | 338 |
| Pretax return on assets | 2.2060% | 536 |
| Return on Equity (ROE) | 23.7499% | 219 |
| Retained earnings to average equity (ytd only) | 11.1019% | 1,042 |
| Net charge-offs to loans | 0.0021% | 2,312 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,528.5000% | 96 |
| Efficiency ratio | 44.5995% | 4,558 |
| Assets per employee ($millions) | 10.0698% | 626 |
| Cash dividends to net income (ytd only)* | 53.2548% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 2,795 |
| 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 | 70.3746% | 1,048 |
| Net loans and leases to deposits | 77.8133% | 1,501 |
| Net loans and leases to core deposits | 101.5307% | 535 |
| Total domestic deposits to total assets | 90.4404% | 586 |
| Equity capital to assets | 9.3537% | 3,506 |
| Core capital (leverage) ratio | 9.2664% | 3,245 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $184,766,250 | 3,206 |
| Average earning assets | $178,582,000 | 3,145 |
| Average equity | $17,161,750 | 3,492 |
| Average total loans | $127,836,250 | 2,911 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0140% | 1,536 |
| Cost of funding earning assets | 0.2814% | 2,960 |
| Net interest margin | 3.7326% | 1,263 |
| Noninterest income to average assets | 0.2300% | 4,023 |
| Noninterest expense to average assets | 1.7384% | 4,306 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 2.1098% | 398 |
| Return on assets (ROA) | 2.1098% | 421 |
| Pretax return on assets | 2.1098% | 678 |
| Return on Equity (ROE) | 22.7700% | 275 |
| Retained earnings to average equity (ytd only) | 11.3732% | 1,040 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1751% | 4,558 |
| Assets per employee ($millions) | 10.7156% | 495 |
| Cash dividends to net income (ytd only)* | 50.0519% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 63.4930% | 2,013 |
| Net loans and leases to deposits | 69.9746% | 2,410 |
| Net loans and leases to core deposits | 92.4851% | 974 |
| Total domestic deposits to total assets | 90.7373% | 467 |
| Equity capital to assets | 9.0377% | 3,762 |
| Core capital (leverage) ratio | 9.1524% | 3,284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,579,667 | 3,232 |
| Average earning assets | $176,980,000 | 3,159 |
| Average equity | $16,917,000 | 3,523 |
| Average total loans | $125,003,333 | 2,956 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 1,774 |
| Cost of funding earning assets | 0.2939% | 3,058 |
| Net interest margin | 3.6306% | 1,499 |
| Noninterest income to average assets | 0.2164% | 4,098 |
| Noninterest expense to average assets | 1.8622% | 4,079 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8915% | 676 |
| Return on assets (ROA) | 1.8915% | 726 |
| Pretax return on assets | 1.8915% | 1,131 |
| Return on Equity (ROE) | 20.1447% | 521 |
| Retained earnings to average equity (ytd only) | 9.0999% | 1,921 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6096% | 4,220 |
| Assets per employee ($millions) | 10.3436% | 536 |
| Cash dividends to net income (ytd only)* | 54.8272% | 1,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3337% | 2,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 67.2308% | 1,634 |
| Net loans and leases to deposits | 74.0796% | 2,110 |
| Net loans and leases to core deposits | 99.1249% | 754 |
| Total domestic deposits to total assets | 90.7548% | 493 |
| Equity capital to assets | 9.0491% | 3,631 |
| Core capital (leverage) ratio | 9.4783% | 3,058 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5525% | 1,413 |
| Memoranda: | ||
| Average total assets | $177,429,000 | 3,264 |
| Average earning assets | $172,865,000 | 3,187 |
| Average equity | $16,659,500 | 3,546 |
| Average total loans | $125,426,000 | 2,958 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5707% | 1,155 |
| Cost of funding earning assets | 0.5757% | 2,478 |
| Net interest margin | 3.9950% | 981 |
| Noninterest income to average assets | 0.2385% | 4,073 |
| Noninterest expense to average assets | 1.9522% | 4,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 2.1755% | 191 |
| Return on assets (ROA) | 2.1755% | 201 |
| Pretax return on assets | 2.1755% | 313 |
| Return on Equity (ROE) | 22.6607% | 142 |
| Retained earnings to average equity (ytd only) | 7.8916% | 1,087 |
| Net charge-offs to loans | -0.0265% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2947% | 4,662 |
| Assets per employee ($millions) | 8.8776% | 770 |
| Cash dividends to net income (ytd only)* | 65.1748% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 2,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 72.5038% | 1,227 |
| Net loans and leases to deposits | 80.5197% | 1,810 |
| Net loans and leases to core deposits | 110.9544% | 479 |
| Total domestic deposits to total assets | 90.0447% | 548 |
| Equity capital to assets | 9.7650% | 3,353 |
| Core capital (leverage) ratio | 9.5746% | 3,039 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,328,800 | 3,248 |
| Average earning assets | $159,975,400 | 3,169 |
| Average equity | $15,776,200 | 3,581 |
| Average total loans | $120,790,400 | 2,972 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6871% | 1,092 |
| Cost of funding earning assets | 0.6489% | 2,331 |
| Net interest margin | 4.0382% | 1,039 |
| Noninterest income to average assets | 0.2377% | 4,072 |
| Noninterest expense to average assets | 1.9855% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 2.1865% | 209 |
| Return on assets (ROA) | 2.1865% | 228 |
| Pretax return on assets | 2.1865% | 352 |
| Return on Equity (ROE) | 22.8761% | 156 |
| Retained earnings to average equity (ytd only) | 8.6309% | 1,102 |
| Net charge-offs to loans | -0.0356% | 4,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5920% | 4,633 |
| Assets per employee ($millions) | 8.0960% | 963 |
| Cash dividends to net income (ytd only)* | 62.2712% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 1,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 72.5495% | 1,582 |
| Net loans and leases to deposits | 80.4242% | 2,276 |
| Net loans and leases to core deposits | 107.4013% | 792 |
| Total domestic deposits to total assets | 90.2085% | 361 |
| Equity capital to assets | 9.5503% | 3,644 |
| Core capital (leverage) ratio | 9.6955% | 3,038 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4422% | 1,384 |
| Memoranda: | ||
| Average total assets | $163,242,500 | 3,236 |
| Average earning assets | $159,042,000 | 3,159 |
| Average equity | $15,602,500 | 3,595 |
| Average total loans | $119,991,250 | 2,998 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5319% | 1,824 |
| Cost of funding earning assets | 0.7583% | 2,063 |
| Net interest margin | 3.7736% | 1,904 |
| Noninterest income to average assets | 0.2398% | 4,044 |
| Noninterest expense to average assets | 1.9654% | 4,299 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.9530% | 365 |
| Return on assets (ROA) | 1.9530% | 406 |
| Pretax return on assets | 1.9530% | 607 |
| Return on Equity (ROE) | 20.4275% | 224 |
| Retained earnings to average equity (ytd only) | 4.6521% | 2,637 |
| Net charge-offs to loans | -0.0541% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1585% | 4,497 |
| Assets per employee ($millions) | 7.5349% | 1,159 |
| Cash dividends to net income (ytd only)* | 77.2265% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3999% | 1,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 71.8939% | 1,731 |
| Net loans and leases to deposits | 79.5638% | 2,480 |
| Net loans and leases to core deposits | 107.7696% | 829 |
| Total domestic deposits to total assets | 90.3600% | 308 |
| Equity capital to assets | 9.4029% | 3,741 |
| Core capital (leverage) ratio | 9.5503% | 3,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6850% | 1,574 |
| Memoranda: | ||
| Average total assets | $160,985,000 | 3,240 |
| Average earning assets | $156,930,333 | 3,164 |
| Average equity | $15,391,000 | 3,616 |
| Average total loans | $118,309,333 | 3,002 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7900% | 1,449 |
| Cost of funding earning assets | 0.8544% | 2,094 |
| Net interest margin | 3.9356% | 1,561 |
| Noninterest income to average assets | 0.1740% | 4,497 |
| Noninterest expense to average assets | 1.8488% | 4,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.1590% | 201 |
| Return on assets (ROA) | 2.1539% | 219 |
| Pretax return on assets | 2.1539% | 330 |
| Return on Equity (ROE) | 22.3370% | 104 |
| Retained earnings to average equity (ytd only) | 3.9757% | 2,689 |
| Net charge-offs to loans | -0.1094% | 4,836 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1296% | 4,827 |
| Assets per employee ($millions) | 7.9102% | 762 |
| Cash dividends to net income (ytd only)* | 82.2014% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4410% | 1,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 73.1528% | 1,758 |
| Net loans and leases to deposits | 81.2391% | 2,552 |
| Net loans and leases to core deposits | 121.5307% | 423 |
| Total domestic deposits to total assets | 90.0463% | 305 |
| Equity capital to assets | 9.7147% | 4,029 |
| Core capital (leverage) ratio | 9.7574% | 3,699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3660% | 1,794 |
| Memoranda: | ||
| Average total assets | $158,593,500 | 3,227 |
| Average earning assets | $154,487,500 | 3,151 |
| Average equity | $15,293,000 | 3,629 |
| Average total loans | $117,029,500 | 2,989 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2176% | 954 |
| Cost of funding earning assets | 0.9578% | 1,918 |
| Net interest margin | 4.2599% | 1,184 |
| Noninterest income to average assets | 0.2198% | 4,353 |
| Noninterest expense to average assets | 1.9983% | 4,535 |
| Loan and lease loss provision to assets | 0.0883% | 2,255 |
| Net operating income to assets | 2.2789% | 191 |
| Return on assets (ROA) | 2.2789% | 204 |
| Pretax return on assets | 2.2789% | 323 |
| Return on Equity (ROE) | 23.9381% | 101 |
| Retained earnings to average equity (ytd only) | 8.6367% | 799 |
| Net charge-offs to loans | 0.0853% | 1,898 |
| Credit loss provision to net charge-offs | 129.8077% | 1,970 |
| Earnings coverage of net charge-offs (x) | 34.7981% | 1,434 |
| Efficiency ratio | 45.7746% | 4,919 |
| Assets per employee ($millions) | 7.9492% | 733 |
| Cash dividends to net income (ytd only)* | 63.9208% | 1,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4232% | 1,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 72.3199% | 2,039 |
| Net loans and leases to deposits | 80.2061% | 2,758 |
| Net loans and leases to core deposits | 121.3964% | 441 |
| Total domestic deposits to total assets | 90.1676% | 270 |
| Equity capital to assets | 9.5714% | 4,292 |
| Core capital (leverage) ratio | 9.7000% | 3,842 |
| Tier 1 risk-based capital ratio | 12.7933% | 3,899 |
| Total risk-based capital ratio | 14.0443% | 3,790 |
| Memoranda: | ||
| Average total assets | $152,881,800 | 3,259 |
| Average earning assets | $148,784,400 | 3,189 |
| Average equity | $14,554,200 | 3,684 |
| Average total loans | $121,905,800 | 2,923 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2279% | 982 |
| Cost of funding earning assets | 0.9626% | 1,923 |
| Net interest margin | 4.2653% | 1,235 |
| Noninterest income to average assets | 0.1674% | 4,716 |
| Noninterest expense to average assets | 1.9547% | 4,639 |
| Loan and lease loss provision to assets | 0.0793% | 2,324 |
| Net operating income to assets | 2.2824% | 230 |
| Return on assets (ROA) | 2.2824% | 245 |
| Pretax return on assets | 2.2824% | 387 |
| Return on Equity (ROE) | 24.0093% | 108 |
| Retained earnings to average equity (ytd only) | 7.9784% | 1,403 |
| Net charge-offs to loans | 0.0812% | 1,670 |
| Credit loss provision to net charge-offs | 120.0000% | 1,955 |
| Earnings coverage of net charge-offs (x) | 35.7458% | 1,460 |
| Efficiency ratio | 45.2857% | 4,966 |
| Assets per employee ($millions) | 7.7612% | 757 |
| Cash dividends to net income (ytd only)* | 66.7696% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 1,808 |
| Loan loss allowance to noncurrent loans | 574.8252% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1842% | 3,835 |
| Noncurrent loans to loans | 0.2328% | 3,709 |
| Net loans and leases to total assets | 78.0981% | 1,126 |
| Net loans and leases to deposits | 86.6563% | 2,114 |
| Net loans and leases to core deposits | 127.0417% | 346 |
| Total domestic deposits to total assets | 90.1239% | 258 |
| Equity capital to assets | 9.5481% | 4,420 |
| Core capital (leverage) ratio | 9.6871% | 3,985 |
| Tier 1 risk-based capital ratio | 13.5374% | 3,548 |
| Total risk-based capital ratio | 14.7896% | 3,460 |
| Memoranda: | ||
| Average total assets | $151,356,250 | 3,310 |
| Average earning assets | $147,231,750 | 3,235 |
| Average equity | $14,388,500 | 3,730 |
| Average total loans | $123,223,000 | 2,933 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2368% | 915 |
| Cost of funding earning assets | 0.9429% | 1,948 |
| Net interest margin | 4.2939% | 1,156 |
| Noninterest income to average assets | 0.1773% | 4,681 |
| Noninterest expense to average assets | 1.9431% | 4,692 |
| Loan and lease loss provision to assets | 0.0600% | 2,624 |
| Net operating income to assets | 2.3496% | 193 |
| Return on assets (ROA) | 2.3496% | 201 |
| Pretax return on assets | 2.3496% | 318 |
| Return on Equity (ROE) | 24.7537% | 98 |
| Retained earnings to average equity (ytd only) | 7.5539% | 1,577 |
| Net charge-offs to loans | 0.2059% | 806 |
| Credit loss provision to net charge-offs | 35.4331% | 2,568 |
| Earnings coverage of net charge-offs (x) | 14.2362% | 2,048 |
| Efficiency ratio | 44.6418% | 5,043 |
| Assets per employee ($millions) | 7.2582% | 896 |
| Cash dividends to net income (ytd only)* | 69.4838% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2606% | 2,188 |
| Loan loss allowance to noncurrent loans | 541.2587% | 947 |
| Noncurrent assets plus other real estate owned to assets | 0.2060% | 3,753 |
| Noncurrent loans to loans | 0.2329% | 3,709 |
| Net loans and leases to total assets | 79.5484% | 954 |
| Net loans and leases to deposits | 88.1600% | 1,985 |
| Net loans and leases to core deposits | 131.7405% | 290 |
| Total domestic deposits to total assets | 90.2318% | 269 |
| Equity capital to assets | 9.5117% | 4,390 |
| Core capital (leverage) ratio | 9.8028% | 3,828 |
| Tier 1 risk-based capital ratio | 13.2562% | 3,710 |
| Total risk-based capital ratio | 14.5079% | 3,613 |
| Memoranda: | ||
| Average total assets | $150,067,000 | 3,349 |
| Average earning assets | $145,928,330 | 3,263 |
| Average equity | $14,244,330 | 3,759 |
| Average total loans | $123,340,330 | 2,945 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2081% | 899 |
| Cost of funding earning assets | 0.9278% | 1,890 |
| Net interest margin | 4.2803% | 1,133 |
| Noninterest income to average assets | 0.2042% | 4,527 |
| Noninterest expense to average assets | 1.7812% | 4,938 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.5872% | 142 |
| Return on assets (ROA) | 2.5872% | 151 |
| Pretax return on assets | 2.5872% | 216 |
| Return on Equity (ROE) | 27.2853% | 70 |
| Retained earnings to average equity (ytd only) | 8.9818% | 1,327 |
| Net charge-offs to loans | 0.0680% | 1,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 45.8571% | 1,074 |
| Efficiency ratio | 40.7749% | 5,193 |
| Assets per employee ($millions) | 7.4197% | 845 |
| Cash dividends to net income (ytd only)* | 67.0820% | 1,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3178% | 2,004 |
| Loan loss allowance to noncurrent loans | 424.2744% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 3,513 |
| Noncurrent loans to loans | 0.3106% | 3,453 |
| Net loans and leases to total assets | 81.1426% | 692 |
| Net loans and leases to deposits | 89.9831% | 1,636 |
| Net loans and leases to core deposits | 127.6557% | 343 |
| Total domestic deposits to total assets | 90.1754% | 393 |
| Equity capital to assets | 9.6204% | 4,156 |
| Core capital (leverage) ratio | 9.5934% | 4,032 |
| Tier 1 risk-based capital ratio | 13.3293% | 3,703 |
| Total risk-based capital ratio | 14.5824% | 3,610 |
| Memoranda: | ||
| Average total assets | $148,889,000 | 3,403 |
| Average earning assets | $144,851,000 | 3,314 |
| Average equity | $14,117,500 | 3,782 |
| Average total loans | $123,611,500 | 2,982 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3949% | 482 |
| Cost of funding earning assets | 0.6493% | 2,395 |
| Net interest margin | 4.7455% | 448 |
| Noninterest income to average assets | 0.2948% | 4,134 |
| Noninterest expense to average assets | 2.1325% | 4,487 |
| Loan and lease loss provision to assets | 0.1344% | 1,612 |
| Net operating income to assets | 2.5773% | 129 |
| Return on assets (ROA) | 2.5773% | 127 |
| Pretax return on assets | 2.5773% | 177 |
| Return on Equity (ROE) | 26.1662% | 72 |
| Retained earnings to average equity (ytd only) | 11.1470% | 410 |
| Net charge-offs to loans | 0.1541% | 1,245 |
| Credit loss provision to net charge-offs | 100.0000% | 2,510 |
| Earnings coverage of net charge-offs (x) | 20.1833% | 2,013 |
| Efficiency ratio | 44.0216% | 5,178 |
| Assets per employee ($millions) | 7.4693% | 806 |
| Cash dividends to net income (ytd only)* | 57.3994% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3011% | 2,032 |
| Loan loss allowance to noncurrent loans | 240.6204% | 1,942 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 2,675 |
| Noncurrent loans to loans | 0.5407% | 2,654 |
| Net loans and leases to total assets | 82.7232% | 554 |
| Net loans and leases to deposits | 91.4748% | 1,604 |
| Net loans and leases to core deposits | 134.4343% | 255 |
| Total domestic deposits to total assets | 90.4328% | 346 |
| Equity capital to assets | 9.3443% | 4,278 |
| Core capital (leverage) ratio | 9.8466% | 3,751 |
| Tier 1 risk-based capital ratio | 12.2762% | 4,246 |
| Total risk-based capital ratio | 13.5276% | 4,138 |
| Memoranda: | ||
| Average total assets | $133,975,800 | 3,594 |
| Average earning assets | $128,436,800 | 3,515 |
| Average equity | $13,196,400 | 3,856 |
| Average total loans | $116,772,600 | 3,029 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4465% | 403 |
| Cost of funding earning assets | 0.5946% | 2,509 |
| Net interest margin | 4.8519% | 340 |
| Noninterest income to average assets | 0.3156% | 4,041 |
| Noninterest expense to average assets | 2.2358% | 4,245 |
| Loan and lease loss provision to assets | 0.1383% | 1,449 |
| Net operating income to assets | 2.5739% | 140 |
| Return on assets (ROA) | 2.5739% | 138 |
| Pretax return on assets | 2.5739% | 203 |
| Return on Equity (ROE) | 25.7521% | 77 |
| Retained earnings to average equity (ytd only) | 11.0820% | 636 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1853% | 5,179 |
| Assets per employee ($millions) | 7.0195% | 929 |
| Cash dividends to net income (ytd only)* | 56.9665% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5040% | 1,332 |
| Loan loss allowance to noncurrent loans | 202.4083% | 2,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 2,268 |
| Noncurrent loans to loans | 0.7430% | 2,230 |
| Net loans and leases to total assets | 82.3363% | 656 |
| Net loans and leases to deposits | 91.4624% | 1,696 |
| Net loans and leases to core deposits | 127.6568% | 377 |
| Total domestic deposits to total assets | 90.0221% | 507 |
| Equity capital to assets | 9.6659% | 3,943 |
| Core capital (leverage) ratio | 9.9840% | 3,654 |
| Tier 1 risk-based capital ratio | 13.2468% | 3,764 |
| Total risk-based capital ratio | 14.5021% | 3,672 |
| Memoranda: | ||
| Average total assets | $130,123,500 | 3,678 |
| Average earning assets | $124,236,000 | 3,619 |
| Average equity | $13,005,750 | 3,911 |
| Average total loans | $114,664,500 | 3,084 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4647% | 339 |
| Cost of funding earning assets | 0.5134% | 2,903 |
| Net interest margin | 4.9513% | 267 |
| Noninterest income to average assets | 0.3283% | 3,997 |
| Noninterest expense to average assets | 2.3741% | 3,969 |
| Loan and lease loss provision to assets | 0.1421% | 1,370 |
| Net operating income to assets | 2.5162% | 148 |
| Return on assets (ROA) | 2.5162% | 148 |
| Pretax return on assets | 2.5162% | 220 |
| Return on Equity (ROE) | 24.8719% | 90 |
| Retained earnings to average equity (ytd only) | 10.3607% | 825 |
| Net charge-offs to loans | 0.0035% | 3,052 |
| Credit loss provision to net charge-offs | 4,500.0000% | 87 |
| Earnings coverage of net charge-offs (x) | 842.0000% | 95 |
| Efficiency ratio | 47.1769% | 5,161 |
| Assets per employee ($millions) | 6.7498% | 1,040 |
| Cash dividends to net income (ytd only)* | 58.3438% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4556% | 1,535 |
| Loan loss allowance to noncurrent loans | 293.0034% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 0.4788% | 2,847 |
| Noncurrent loans to loans | 0.4968% | 2,939 |
| Net loans and leases to total assets | 90.6406% | 57 |
| Net loans and leases to deposits | 101.2984% | 710 |
| Net loans and leases to core deposits | 139.3784% | 201 |
| Total domestic deposits to total assets | 89.4788% | 746 |
| Equity capital to assets | 10.2569% | 3,381 |
| Core capital (leverage) ratio | 10.4260% | 3,106 |
| Tier 1 risk-based capital ratio | 12.6458% | 4,098 |
| Total risk-based capital ratio | 13.9003% | 3,993 |
| Memoranda: | ||
| Average total assets | $126,701,330 | 3,751 |
| Average earning assets | $120,372,330 | 3,702 |
| Average equity | $12,817,670 | 3,951 |
| Average total loans | $113,767,000 | 3,111 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3826% | 346 |
| Cost of funding earning assets | 0.4753% | 3,003 |
| Net interest margin | 4.9073% | 273 |
| Noninterest income to average assets | 0.3303% | 3,943 |
| Noninterest expense to average assets | 2.3601% | 4,042 |
| Loan and lease loss provision to assets | 0.1429% | 1,317 |
| Net operating income to assets | 2.4839% | 147 |
| Return on assets (ROA) | 2.4839% | 151 |
| Pretax return on assets | 2.4839% | 220 |
| Return on Equity (ROE) | 24.7283% | 88 |
| Retained earnings to average equity (ytd only) | 10.1506% | 1,120 |
| Net charge-offs to loans | 0.0072% | 2,485 |
| Credit loss provision to net charge-offs | 2,250.0000% | 162 |
| Earnings coverage of net charge-offs (x) | 413.5000% | 161 |
| Efficiency ratio | 47.3248% | 5,222 |
| Assets per employee ($millions) | 6.2649% | 1,326 |
| Cash dividends to net income (ytd only)* | 58.9514% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4996% | 1,468 |
| Loan loss allowance to noncurrent loans | 285.4949% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.4900% | 2,896 |
| Noncurrent loans to loans | 0.5253% | 2,946 |
| Net loans and leases to total assets | 87.7036% | 149 |
| Net loans and leases to deposits | 97.9194% | 868 |
| Net loans and leases to core deposits | 128.5023% | 367 |
| Total domestic deposits to total assets | 89.5672% | 850 |
| Equity capital to assets | 10.2237% | 3,365 |
| Core capital (leverage) ratio | 10.1783% | 3,330 |
| Tier 1 risk-based capital ratio | 12.8700% | 4,027 |
| Total risk-based capital ratio | 14.1248% | 3,913 |
| Memoranda: | ||
| Average total assets | $125,929,000 | 3,798 |
| Average earning assets | $119,495,500 | 3,757 |
| Average equity | $12,649,500 | 4,026 |
| Average total loans | $111,670,500 | 3,170 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 436 |
| Cost of funding earning assets | 0.3914% | 3,324 |
| Net interest margin | 4.8226% | 335 |
| Noninterest income to average assets | 0.3630% | 3,872 |
| Noninterest expense to average assets | 2.3143% | 4,288 |
| Loan and lease loss provision to assets | 0.1478% | 1,542 |
| Net operating income to assets | 2.4744% | 121 |
| Return on assets (ROA) | 2.4744% | 120 |
| Pretax return on assets | 2.4744% | 183 |
| Return on Equity (ROE) | 25.3504% | 63 |
| Retained earnings to average equity (ytd only) | 9.9870% | 350 |
| Net charge-offs to loans | -0.0499% | 5,184 |
| Credit loss provision to net charge-offs | -346.1538% | 4,890 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8807% | 5,365 |
| Assets per employee ($millions) | 6.6611% | 1,120 |
| Cash dividends to net income (ytd only)* | 60.6040% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4574% | 1,559 |
| Loan loss allowance to noncurrent loans | 277.9863% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 2,939 |
| Noncurrent loans to loans | 0.5243% | 2,940 |
| Net loans and leases to total assets | 87.0323% | 186 |
| Net loans and leases to deposits | 96.7450% | 1,019 |
| Net loans and leases to core deposits | 129.7397% | 347 |
| Total domestic deposits to total assets | 89.9606% | 580 |
| Equity capital to assets | 9.8680% | 3,853 |
| Core capital (leverage) ratio | 10.1661% | 3,229 |
| Tier 1 risk-based capital ratio | 12.4080% | 4,262 |
| Total risk-based capital ratio | 13.6618% | 4,162 |
| Memoranda: | ||
| Average total assets | $121,764,600 | 3,862 |
| Average earning assets | $115,477,200 | 3,826 |
| Average equity | $11,885,400 | 4,158 |
| Average total loans | $104,194,400 | 3,278 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2064% | 415 |
| Cost of funding earning assets | 0.3601% | 3,567 |
| Net interest margin | 4.8462% | 306 |
| Noninterest income to average assets | 0.3760% | 3,839 |
| Noninterest expense to average assets | 2.3367% | 4,195 |
| Loan and lease loss provision to assets | 0.1493% | 1,405 |
| Net operating income to assets | 2.4882% | 136 |
| Return on assets (ROA) | 2.4882% | 137 |
| Pretax return on assets | 2.4882% | 209 |
| Return on Equity (ROE) | 25.5650% | 68 |
| Retained earnings to average equity (ytd only) | 10.1806% | 547 |
| Net charge-offs to loans | -0.0365% | 5,066 |
| Credit loss provision to net charge-offs | -482.1429% | 4,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9764% | 5,386 |
| Assets per employee ($millions) | 5.9855% | 1,503 |
| Cash dividends to net income (ytd only)* | 60.1777% | 1,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4733% | 1,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 5,133 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 87.0921% | 198 |
| Net loans and leases to deposits | 97.2819% | 986 |
| Net loans and leases to core deposits | 135.3156% | 264 |
| Total domestic deposits to total assets | 89.5255% | 648 |
| Equity capital to assets | 10.1896% | 3,701 |
| Core capital (leverage) ratio | 9.9657% | 3,610 |
| Tier 1 risk-based capital ratio | 12.9282% | 4,062 |
| Total risk-based capital ratio | 14.1831% | 3,968 |
| Memoranda: | ||
| Average total assets | $120,565,500 | 3,923 |
| Average earning assets | $114,395,750 | 3,876 |
| Average equity | $11,734,500 | 4,226 |
| Average total loans | $102,298,500 | 3,343 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0875% | 488 |
| Cost of funding earning assets | 0.3154% | 3,927 |
| Net interest margin | 4.7721% | 346 |
| Noninterest income to average assets | 0.3906% | 3,744 |
| Noninterest expense to average assets | 2.3632% | 4,168 |
| Loan and lease loss provision to assets | 0.1489% | 1,362 |
| Net operating income to assets | 2.4112% | 147 |
| Return on assets (ROA) | 2.4112% | 147 |
| Pretax return on assets | 2.4112% | 245 |
| Return on Equity (ROE) | 25.1641% | 77 |
| Retained earnings to average equity (ytd only) | 9.9827% | 586 |
| Net charge-offs to loans | -0.1226% | 5,475 |
| Credit loss provision to net charge-offs | -145.1613% | 4,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0000% | 5,391 |
| Assets per employee ($millions) | 5.9964% | 1,462 |
| Cash dividends to net income (ytd only)* | 60.3294% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4559% | 1,738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0233% | 5,178 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 87.4832% | 174 |
| Net loans and leases to deposits | 97.3202% | 955 |
| Net loans and leases to core deposits | 122.4324% | 480 |
| Total domestic deposits to total assets | 89.8922% | 571 |
| Equity capital to assets | 9.9060% | 4,026 |
| Core capital (leverage) ratio | 10.3475% | 3,075 |
| Tier 1 risk-based capital ratio | 12.7294% | 4,165 |
| Total risk-based capital ratio | 13.9842% | 4,068 |
| Memoranda: | ||
| Average total assets | $120,850,670 | 3,947 |
| Average earning assets | $114,792,000 | 3,897 |
| Average equity | $11,580,000 | 4,260 |
| Average total loans | $101,125,670 | 3,379 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 633 |
| Cost of funding earning assets | 0.3260% | 3,792 |
| Net interest margin | 4.5739% | 457 |
| Noninterest income to average assets | 0.4188% | 3,530 |
| Noninterest expense to average assets | 2.2982% | 4,410 |
| Loan and lease loss provision to assets | 0.1484% | 1,255 |
| Net operating income to assets | 2.3213% | 189 |
| Return on assets (ROA) | 2.3213% | 191 |
| Pretax return on assets | 2.3213% | 290 |
| Return on Equity (ROE) | 24.6369% | 93 |
| Retained earnings to average equity (ytd only) | 8.6789% | 1,199 |
| Net charge-offs to loans | -0.2478% | 5,659 |
| Credit loss provision to net charge-offs | -73.7705% | 3,904 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.2019% | 5,461 |
| Assets per employee ($millions) | 6.2304% | 1,347 |
| Cash dividends to net income (ytd only)* | 64.7727% | 1,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5474% | 1,517 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 5,235 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 80.7836% | 726 |
| Net loans and leases to deposits | 89.6915% | 1,577 |
| Net loans and leases to core deposits | 113.9225% | 680 |
| Total domestic deposits to total assets | 90.0683% | 628 |
| Equity capital to assets | 9.7577% | 4,014 |
| Core capital (leverage) ratio | 9.4161% | 4,215 |
| Tier 1 risk-based capital ratio | 13.0887% | 4,031 |
| Total risk-based capital ratio | 14.3442% | 3,929 |
| Memoranda: | ||
| Average total assets | $121,312,500 | 3,974 |
| Average earning assets | $115,350,500 | 3,928 |
| Average equity | $11,430,000 | 4,317 |
| Average total loans | $98,455,500 | 3,449 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4318% | 275 |
| Cost of funding earning assets | 0.3177% | 3,872 |
| Net interest margin | 5.1142% | 203 |
| Noninterest income to average assets | 0.3372% | 4,325 |
| Noninterest expense to average assets | 2.2334% | 4,694 |
| Loan and lease loss provision to assets | 0.1341% | 1,863 |
| Net operating income to assets | 2.8484% | 90 |
| Return on assets (ROA) | 2.8484% | 94 |
| Pretax return on assets | 2.8484% | 129 |
| Return on Equity (ROE) | 32.6985% | 27 |
| Retained earnings to average equity (ytd only) | 10.8467% | 322 |
| Net charge-offs to loans | 0.0952% | 2,341 |
| Credit loss provision to net charge-offs | 161.7647% | 1,711 |
| Earnings coverage of net charge-offs (x) | 35.9902% | 1,269 |
| Efficiency ratio | 42.8193% | 5,730 |
| Assets per employee ($millions) | 6.5393% | 1,134 |
| Cash dividends to net income (ytd only)* | 66.8283% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3991% | 2,084 |
| Loan loss allowance to noncurrent loans | 3,877.7778% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0515% | 5,135 |
| Noncurrent loans to loans | 0.0361% | 5,114 |
| Net loans and leases to total assets | 79.1826% | 1,007 |
| Net loans and leases to deposits | 87.2722% | 2,017 |
| Net loans and leases to core deposits | 104.0551% | 1,274 |
| Total domestic deposits to total assets | 90.7306% | 377 |
| Equity capital to assets | 9.1020% | 4,709 |
| Core capital (leverage) ratio | 9.0821% | 4,641 |
| Tier 1 risk-based capital ratio | 12.3921% | 4,449 |
| Total risk-based capital ratio | 13.6454% | 4,331 |
| Memoranda: | ||
| Average total assets | $123,085,200 | 3,941 |
| Average earning assets | $117,418,600 | 3,879 |
| Average equity | $10,722,200 | 4,460 |
| Average total loans | $107,158,600 | 3,257 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5151% | 239 |
| Cost of funding earning assets | 0.3083% | 4,004 |
| Net interest margin | 5.2068% | 167 |
| Noninterest income to average assets | 0.3355% | 4,382 |
| Noninterest expense to average assets | 2.1987% | 4,775 |
| Loan and lease loss provision to assets | 0.1303% | 1,798 |
| Net operating income to assets | 2.9762% | 91 |
| Return on assets (ROA) | 2.9762% | 95 |
| Pretax return on assets | 2.9762% | 129 |
| Return on Equity (ROE) | 34.5570% | 23 |
| Retained earnings to average equity (ytd only) | 12.3805% | 261 |
| Net charge-offs to loans | 0.0147% | 3,441 |
| Credit loss provision to net charge-offs | 1,000.0000% | 398 |
| Earnings coverage of net charge-offs (x) | 238.4106% | 328 |
| Efficiency ratio | 41.4449% | 5,800 |
| Assets per employee ($millions) | 6.4999% | 1,104 |
| Cash dividends to net income (ytd only)* | 64.1734% | 1,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3056% | 2,658 |
| Loan loss allowance to noncurrent loans | 290.7258% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.4648% | 3,572 |
| Noncurrent loans to loans | 0.4491% | 3,669 |
| Net loans and leases to total assets | 88.2623% | 120 |
| Net loans and leases to deposits | 97.2677% | 926 |
| Net loans and leases to core deposits | 117.4083% | 597 |
| Total domestic deposits to total assets | 90.7416% | 261 |
| Equity capital to assets | 9.0130% | 5,164 |
| Core capital (leverage) ratio | 8.6671% | 5,195 |
| Tier 1 risk-based capital ratio | 11.2059% | 5,253 |
| Total risk-based capital ratio | 12.4583% | 5,157 |
| Memoranda: | ||
| Average total assets | $122,794,750 | 3,969 |
| Average earning assets | $117,203,250 | 3,905 |
| Average equity | $10,575,500 | 4,526 |
| Average total loans | $109,003,750 | 3,237 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4216% | 285 |
| Cost of funding earning assets | 0.2821% | 4,325 |
| Net interest margin | 5.1395% | 193 |
| Noninterest income to average assets | 0.3313% | 4,408 |
| Noninterest expense to average assets | 2.2307% | 4,777 |
| Loan and lease loss provision to assets | 0.1224% | 1,864 |
| Net operating income to assets | 2.8835% | 95 |
| Return on assets (ROA) | 2.8835% | 95 |
| Pretax return on assets | 2.8835% | 131 |
| Return on Equity (ROE) | 34.0124% | 31 |
| Retained earnings to average equity (ytd only) | 11.1257% | 428 |
| Net charge-offs to loans | 0.0111% | 3,334 |
| Credit loss provision to net charge-offs | 1,250.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 219 |
| Efficiency ratio | 42.5989% | 5,853 |
| Assets per employee ($millions) | 6.8114% | 944 |
| Cash dividends to net income (ytd only)* | 67.2892% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2416% | 3,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 5,510 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 86.2335% | 235 |
| Net loans and leases to deposits | 94.2233% | 1,270 |
| Net loans and leases to core deposits | 106.1119% | 1,171 |
| Total domestic deposits to total assets | 91.5204% | 123 |
| Equity capital to assets | 8.2926% | 5,702 |
| Core capital (leverage) ratio | 8.2366% | 5,579 |
| Tier 1 risk-based capital ratio | 10.2453% | 5,779 |
| Total risk-based capital ratio | 11.4956% | 5,699 |
| Memoranda: | ||
| Average total assets | $122,560,000 | 3,999 |
| Average earning assets | $116,976,670 | 3,933 |
| Average equity | $10,390,330 | 4,585 |
| Average total loans | $108,523,330 | 3,264 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 414 |
| Cost of funding earning assets | 0.2285% | 4,916 |
| Net interest margin | 4.9751% | 262 |
| Noninterest income to average assets | 0.3425% | 4,278 |
| Noninterest expense to average assets | 2.2496% | 4,783 |
| Loan and lease loss provision to assets | 0.1007% | 2,013 |
| Net operating income to assets | 2.7432% | 114 |
| Return on assets (ROA) | 2.7432% | 114 |
| Pretax return on assets | 2.7432% | 159 |
| Return on Equity (ROE) | 31.9781% | 38 |
| Retained earnings to average equity (ytd only) | 5.4797% | 2,668 |
| Net charge-offs to loans | -0.0113% | 4,581 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1661% | 5,869 |
| Assets per employee ($millions) | 6.4917% | 1,113 |
| Cash dividends to net income (ytd only)* | 82.8641% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2279% | 3,321 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 5,553 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 89.1489% | 82 |
| Net loans and leases to deposits | 97.4011% | 806 |
| Net loans and leases to core deposits | 106.3640% | 1,054 |
| Total domestic deposits to total assets | 91.5276% | 151 |
| Equity capital to assets | 8.3435% | 5,668 |
| Core capital (leverage) ratio | 8.8028% | 5,072 |
| Tier 1 risk-based capital ratio | 10.1250% | 5,886 |
| Total risk-based capital ratio | 11.3760% | 5,816 |
| Memoranda: | ||
| Average total assets | $119,132,000 | 4,094 |
| Average earning assets | $113,766,500 | 4,013 |
| Average equity | $10,219,500 | 4,628 |
| Average total loans | $106,283,500 | 3,308 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6208% | 226 |
| Cost of funding earning assets | 0.2208% | 5,088 |
| Net interest margin | 5.4000% | 146 |
| Noninterest income to average assets | 0.3866% | 4,143 |
| Noninterest expense to average assets | 2.4810% | 4,287 |
| Loan and lease loss provision to assets | 0.1706% | 1,343 |
| Net operating income to assets | 2.8572% | 96 |
| Return on assets (ROA) | 2.8572% | 95 |
| Pretax return on assets | 2.8572% | 127 |
| Return on Equity (ROE) | 30.6259% | 53 |
| Retained earnings to average equity (ytd only) | 7.4863% | 1,104 |
| Net charge-offs to loans | -0.0308% | 5,408 |
| Credit loss provision to net charge-offs | -620.6897% | 5,486 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0370% | 5,952 |
| Assets per employee ($millions) | 6.0485% | 1,351 |
| Cash dividends to net income (ytd only)* | 75.5556% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 2,806 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 5,595 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 86.9355% | 171 |
| Net loans and leases to deposits | 97.7707% | 837 |
| Net loans and leases to core deposits | 107.6676% | 989 |
| Total domestic deposits to total assets | 88.9177% | 1,154 |
| Equity capital to assets | 8.8303% | 5,282 |
| Core capital (leverage) ratio | 8.8997% | 5,004 |
| Tier 1 risk-based capital ratio | 11.1061% | 5,466 |
| Total risk-based capital ratio | 12.3586% | 5,369 |
| Memoranda: | ||
| Average total assets | $105,521,800 | 4,347 |
| Average earning assets | $100,092,600 | 4,288 |
| Average equity | $9,844,600 | 4,681 |
| Average total loans | $94,107,000 | 3,500 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6981% | 196 |
| Cost of funding earning assets | 0.2211% | 5,172 |
| Net interest margin | 5.4770% | 130 |
| Noninterest income to average assets | 0.4071% | 4,037 |
| Noninterest expense to average assets | 2.4851% | 4,242 |
| Loan and lease loss provision to assets | 0.1745% | 1,217 |
| Net operating income to assets | 2.9335% | 94 |
| Return on assets (ROA) | 2.9335% | 93 |
| Pretax return on assets | 2.9335% | 127 |
| Return on Equity (ROE) | 30.9824% | 49 |
| Retained earnings to average equity (ytd only) | 7.9571% | 1,252 |
| Net charge-offs to loans | -0.0404% | 5,470 |
| Credit loss provision to net charge-offs | -482.1429% | 5,351 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4316% | 6,023 |
| Assets per employee ($millions) | 5.9268% | 1,425 |
| Cash dividends to net income (ytd only)* | 74.3173% | 878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 3,063 |
| Loan loss allowance to noncurrent loans | 4,600.0000% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.1403% | 5,196 |
| Noncurrent loans to loans | 0.0284% | 5,512 |
| Net loans and leases to total assets | 86.5083% | 203 |
| Net loans and leases to deposits | 95.1793% | 1,077 |
| Net loans and leases to core deposits | 106.3748% | 1,071 |
| Total domestic deposits to total assets | 90.8898% | 278 |
| Equity capital to assets | 8.8882% | 5,406 |
| Core capital (leverage) ratio | 9.1527% | 4,806 |
| Tier 1 risk-based capital ratio | 11.5229% | 5,361 |
| Total risk-based capital ratio | 12.7749% | 5,283 |
| Memoranda: | ||
| Average total assets | $103,171,750 | 4,448 |
| Average earning assets | $97,690,750 | 4,389 |
| Average equity | $9,768,750 | 4,756 |
| Average total loans | $92,323,250 | 3,570 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8270% | 159 |
| Cost of funding earning assets | 0.2264% | 5,180 |
| Net interest margin | 5.6006% | 109 |
| Noninterest income to average assets | 0.4239% | 3,897 |
| Noninterest expense to average assets | 2.4734% | 4,319 |
| Loan and lease loss provision to assets | 0.1800% | 1,135 |
| Net operating income to assets | 3.0632% | 89 |
| Return on assets (ROA) | 3.0632% | 90 |
| Pretax return on assets | 3.0632% | 129 |
| Return on Equity (ROE) | 31.6246% | 53 |
| Retained earnings to average equity (ytd only) | 10.3007% | 617 |
| Net charge-offs to loans | -0.0111% | 4,958 |
| Credit loss provision to net charge-offs | -1,800.0000% | 5,466 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2669% | 6,140 |
| Assets per employee ($millions) | 5.3923% | 1,841 |
| Cash dividends to net income (ytd only)* | 67.4282% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 3,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1259% | 5,359 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 88.3479% | 124 |
| Net loans and leases to deposits | 99.6587% | 689 |
| Net loans and leases to core deposits | 113.8065% | 674 |
| Total domestic deposits to total assets | 88.6505% | 1,327 |
| Equity capital to assets | 9.6843% | 4,425 |
| Core capital (leverage) ratio | 9.5923% | 4,144 |
| Tier 1 risk-based capital ratio | 12.1403% | 5,048 |
| Total risk-based capital ratio | 13.3922% | 4,945 |
| Memoranda: | ||
| Average total assets | $100,025,670 | 4,553 |
| Average earning assets | $94,525,330 | 4,510 |
| Average equity | $9,688,670 | 4,804 |
| Average total loans | $90,196,000 | 3,634 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7322% | 184 |
| Cost of funding earning assets | 0.2228% | 5,290 |
| Net interest margin | 5.5094% | 120 |
| Noninterest income to average assets | 0.4655% | 3,533 |
| Noninterest expense to average assets | 2.5058% | 4,243 |
| Loan and lease loss provision to assets | 0.1822% | 1,051 |
| Net operating income to assets | 2.9835% | 89 |
| Return on assets (ROA) | 2.9835% | 93 |
| Pretax return on assets | 2.9835% | 133 |
| Return on Equity (ROE) | 30.7982% | 53 |
| Retained earnings to average equity (ytd only) | 12.2440% | 541 |
| Net charge-offs to loans | -0.0134% | 4,855 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1827% | 6,172 |
| Assets per employee ($millions) | 5.2257% | 2,081 |
| Cash dividends to net income (ytd only)* | 60.2442% | 1,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 3,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1299% | 5,437 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 89.3331% | 72 |
| Net loans and leases to deposits | 101.0861% | 503 |
| Net loans and leases to core deposits | 113.5322% | 592 |
| Total domestic deposits to total assets | 88.3732% | 1,611 |
| Equity capital to assets | 9.7897% | 4,397 |
| Core capital (leverage) ratio | 9.7044% | 4,006 |
| Tier 1 risk-based capital ratio | 12.0717% | 5,194 |
| Total risk-based capital ratio | 13.3242% | 5,094 |
| Memoranda: | ||
| Average total assets | $98,811,500 | 4,606 |
| Average earning assets | $93,367,500 | 4,564 |
| Average equity | $9,572,000 | 4,869 |
| Average total loans | $89,426,000 | 3,657 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6762% | 238 |
| Cost of funding earning assets | 0.2419% | 5,406 |
| Net interest margin | 5.4343% | 150 |
| Noninterest income to average assets | 0.3563% | 4,551 |
| Noninterest expense to average assets | 2.5471% | 4,403 |
| Loan and lease loss provision to assets | 0.1060% | 2,381 |
| Net operating income to assets | 2.8260% | 107 |
| Return on assets (ROA) | 2.8260% | 106 |
| Pretax return on assets | 2.8260% | 130 |
| Return on Equity (ROE) | 29.1314% | 65 |
| Retained earnings to average equity (ytd only) | 5.9793% | 1,941 |
| Net charge-offs to loans | -0.0198% | 5,699 |
| Credit loss provision to net charge-offs | -625.0000% | 5,830 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4873% | 6,247 |
| Assets per employee ($millions) | 5.7844% | 1,538 |
| Cash dividends to net income (ytd only)* | 79.4747% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2643% | 3,630 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 5,502 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 89.3446% | 81 |
| Net loans and leases to deposits | 101.9921% | 513 |
| Net loans and leases to core deposits | 113.2280% | 638 |
| Total domestic deposits to total assets | 87.5995% | 1,978 |
| Equity capital to assets | 9.5836% | 4,613 |
| Core capital (leverage) ratio | 9.5194% | 4,218 |
| Tier 1 risk-based capital ratio | 11.2592% | 5,786 |
| Total risk-based capital ratio | 12.4578% | 5,744 |
| Memoranda: | ||
| Average total assets | $94,302,800 | 4,747 |
| Average earning assets | $88,897,600 | 4,680 |
| Average equity | $9,148,200 | 4,937 |
| Average total loans | $80,912,400 | 3,853 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 269 |
| Cost of funding earning assets | 0.2457% | 5,449 |
| Net interest margin | 5.3679% | 160 |
| Noninterest income to average assets | 0.3287% | 4,807 |
| Noninterest expense to average assets | 2.4724% | 4,608 |
| Loan and lease loss provision to assets | 0.0786% | 2,772 |
| Net operating income to assets | 2.8354% | 108 |
| Return on assets (ROA) | 2.8354% | 106 |
| Pretax return on assets | 2.8354% | 135 |
| Return on Equity (ROE) | 29.1353% | 68 |
| Retained earnings to average equity (ytd only) | 6.3587% | 2,185 |
| Net charge-offs to loans | -0.0254% | 5,687 |
| Credit loss provision to net charge-offs | -366.6667% | 5,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.9008% | 6,296 |
| Assets per employee ($millions) | 5.3502% | 1,862 |
| Cash dividends to net income (ytd only)* | 78.1754% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 3,761 |
| Loan loss allowance to noncurrent loans | 2,997.2222% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.1724% | 5,509 |
| Noncurrent loans to loans | 0.0427% | 5,841 |
| Net loans and leases to total assets | 86.4885% | 167 |
| Net loans and leases to deposits | 97.7743% | 750 |
| Net loans and leases to core deposits | 108.9968% | 794 |
| Total domestic deposits to total assets | 88.4573% | 1,526 |
| Equity capital to assets | 9.6716% | 4,583 |
| Core capital (leverage) ratio | 9.7099% | 4,062 |
| Tier 1 risk-based capital ratio | 11.8300% | 5,597 |
| Total risk-based capital ratio | 13.0324% | 5,543 |
| Memoranda: | ||
| Average total assets | $93,294,750 | 4,816 |
| Average earning assets | $87,903,750 | 4,748 |
| Average equity | $9,079,250 | 4,989 |
| Average total loans | $78,895,000 | 3,931 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5249% | 296 |
| Cost of funding earning assets | 0.2439% | 5,548 |
| Net interest margin | 5.2810% | 175 |
| Noninterest income to average assets | 0.3121% | 4,925 |
| Noninterest expense to average assets | 2.4553% | 4,715 |
| Loan and lease loss provision to assets | 0.0650% | 2,966 |
| Net operating income to assets | 2.7651% | 105 |
| Return on assets (ROA) | 2.7651% | 108 |
| Pretax return on assets | 2.7651% | 147 |
| Return on Equity (ROE) | 28.3524% | 73 |
| Retained earnings to average equity (ytd only) | 6.5104% | 2,029 |
| Net charge-offs to loans | -0.0285% | 5,669 |
| Credit loss provision to net charge-offs | -272.7273% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4535% | 6,340 |
| Assets per employee ($millions) | 5.4006% | 1,780 |
| Cash dividends to net income (ytd only)* | 77.0376% | 976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 3,896 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 5,693 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 82.5339% | 420 |
| Net loans and leases to deposits | 91.3638% | 1,229 |
| Net loans and leases to core deposits | 101.9713% | 1,134 |
| Total domestic deposits to total assets | 90.3355% | 643 |
| Equity capital to assets | 9.4382% | 4,803 |
| Core capital (leverage) ratio | 9.7226% | 4,007 |
| Tier 1 risk-based capital ratio | 11.0814% | 6,018 |
| Total risk-based capital ratio | 12.3315% | 5,954 |
| Memoranda: | ||
| Average total assets | $92,292,000 | 4,865 |
| Average earning assets | $86,915,670 | 4,804 |
| Average equity | $9,001,000 | 5,030 |
| Average total loans | $77,070,000 | 4,001 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 389 |
| Cost of funding earning assets | 0.2417% | 5,665 |
| Net interest margin | 5.0953% | 224 |
| Noninterest income to average assets | 0.3072% | 4,902 |
| Noninterest expense to average assets | 2.5069% | 4,599 |
| Loan and lease loss provision to assets | 0.0668% | 2,788 |
| Net operating income to assets | 2.5202% | 142 |
| Return on assets (ROA) | 2.5202% | 148 |
| Pretax return on assets | 2.5202% | 214 |
| Return on Equity (ROE) | 25.3982% | 111 |
| Retained earnings to average equity (ytd only) | 2.3334% | 4,666 |
| Net charge-offs to loans | -0.0427% | 5,740 |
| Credit loss provision to net charge-offs | -187.5000% | 4,953 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2133% | 6,304 |
| Assets per employee ($millions) | 5.1488% | 2,073 |
| Cash dividends to net income (ytd only)* | 90.8127% | 803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 3,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 5,519 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 81.1811% | 436 |
| Net loans and leases to deposits | 89.9878% | 1,151 |
| Net loans and leases to core deposits | 102.2270% | 973 |
| Total domestic deposits to total assets | 90.2134% | 958 |
| Equity capital to assets | 9.6441% | 4,299 |
| Core capital (leverage) ratio | 9.9536% | 3,630 |
| Tier 1 risk-based capital ratio | 11.3412% | 5,999 |
| Total risk-based capital ratio | 12.5915% | 5,948 |
| Memoranda: | ||
| Average total assets | $89,832,500 | 4,977 |
| Average earning assets | $84,391,000 | 4,905 |
| Average equity | $8,914,000 | 5,071 |
| Average total loans | $74,964,000 | 4,101 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3700% | 464 |
| Cost of funding earning assets | 0.2511% | 5,956 |
| Net interest margin | 5.1189% | 244 |
| Noninterest income to average assets | 0.4307% | 4,228 |
| Noninterest expense to average assets | 2.6983% | 4,100 |
| Loan and lease loss provision to assets | 0.1706% | 2,151 |
| Net operating income to assets | 2.3594% | 197 |
| Return on assets (ROA) | 2.3594% | 202 |
| Pretax return on assets | 2.3594% | 242 |
| Return on Equity (ROE) | 23.2216% | 170 |
| Retained earnings to average equity (ytd only) | 7.0997% | 1,399 |
| Net charge-offs to loans | 0.0989% | 3,851 |
| Credit loss provision to net charge-offs | 219.6970% | 1,047 |
| Earnings coverage of net charge-offs (x) | 32.5758% | 1,102 |
| Efficiency ratio | 51.6093% | 6,329 |
| Assets per employee ($millions) | 4.8326% | 2,401 |
| Cash dividends to net income (ytd only)* | 69.4264% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 3,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 5,348 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 83.5182% | 287 |
| Net loans and leases to deposits | 93.1148% | 946 |
| Net loans and leases to core deposits | 105.1831% | 839 |
| Total domestic deposits to total assets | 89.6939% | 1,225 |
| Equity capital to assets | 10.2199% | 3,485 |
| Core capital (leverage) ratio | 9.9383% | 3,658 |
| Tier 1 risk-based capital ratio | 12.1298% | 5,541 |
| Total risk-based capital ratio | 13.3818% | 5,476 |
| Memoranda: | ||
| Average total assets | $84,980,600 | 5,118 |
| Average earning assets | $79,646,200 | 5,044 |
| Average equity | $8,634,200 | 5,180 |
| Average total loans | $66,701,400 | 4,390 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2759% | 549 |
| Cost of funding earning assets | 0.2475% | 6,108 |
| Net interest margin | 5.0284% | 301 |
| Noninterest income to average assets | 0.4356% | 4,261 |
| Noninterest expense to average assets | 2.6657% | 4,142 |
| Loan and lease loss provision to assets | 0.1815% | 2,002 |
| Net operating income to assets | 2.3027% | 215 |
| Return on assets (ROA) | 2.3027% | 225 |
| Pretax return on assets | 2.3027% | 318 |
| Return on Equity (ROE) | 22.6981% | 180 |
| Retained earnings to average equity (ytd only) | 7.4675% | 1,657 |
| Net charge-offs to loans | 0.1457% | 3,090 |
| Credit loss provision to net charge-offs | 161.9718% | 1,462 |
| Earnings coverage of net charge-offs (x) | 22.1700% | 1,511 |
| Efficiency ratio | 51.7622% | 6,270 |
| Assets per employee ($millions) | 4.7568% | 2,496 |
| Cash dividends to net income (ytd only)* | 67.1009% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 4,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3010% | 5,521 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 79.1193% | 637 |
| Net loans and leases to deposits | 93.7257% | 844 |
| Net loans and leases to core deposits | 103.3786% | 910 |
| Total domestic deposits to total assets | 84.4158% | 4,019 |
| Equity capital to assets | 9.6979% | 4,306 |
| Core capital (leverage) ratio | 9.8319% | 3,913 |
| Tier 1 risk-based capital ratio | 12.3306% | 5,553 |
| Total risk-based capital ratio | 13.5825% | 5,492 |
| Memoranda: | ||
| Average total assets | $84,479,000 | 5,178 |
| Average earning assets | $79,201,250 | 5,106 |
| Average equity | $8,570,250 | 5,247 |
| Average total loans | $64,962,000 | 4,485 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1653% | 677 |
| Cost of funding earning assets | 0.2508% | 6,168 |
| Net interest margin | 4.9145% | 355 |
| Noninterest income to average assets | 0.4436% | 4,214 |
| Noninterest expense to average assets | 2.6105% | 4,340 |
| Loan and lease loss provision to assets | 0.1697% | 2,216 |
| Net operating income to assets | 2.2712% | 229 |
| Return on assets (ROA) | 2.2712% | 242 |
| Pretax return on assets | 2.2712% | 365 |
| Return on Equity (ROE) | 22.0332% | 204 |
| Retained earnings to average equity (ytd only) | 8.6299% | 1,248 |
| Net charge-offs to loans | 0.2754% | 2,101 |
| Credit loss provision to net charge-offs | 81.3953% | 2,602 |
| Earnings coverage of net charge-offs (x) | 11.7093% | 2,031 |
| Efficiency ratio | 51.6795% | 6,299 |
| Assets per employee ($millions) | 4.4579% | 2,883 |
| Cash dividends to net income (ytd only)* | 60.8324% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3559% | 4,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 5,436 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 78.5041% | 697 |
| Net loans and leases to deposits | 87.7078% | 1,376 |
| Net loans and leases to core deposits | 98.5169% | 1,171 |
| Total domestic deposits to total assets | 89.5065% | 1,319 |
| Equity capital to assets | 10.2290% | 3,628 |
| Core capital (leverage) ratio | 10.3703% | 3,020 |
| Tier 1 risk-based capital ratio | 12.6203% | 5,414 |
| Total risk-based capital ratio | 13.8715% | 5,355 |
| Memoranda: | ||
| Average total assets | $82,512,000 | 5,259 |
| Average earning assets | $77,363,000 | 5,187 |
| Average equity | $8,505,330 | 5,307 |
| Average total loans | $62,455,330 | 4,586 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0764% | 779 |
| Cost of funding earning assets | 0.2509% | 6,286 |
| Net interest margin | 4.8254% | 383 |
| Noninterest income to average assets | 0.4274% | 4,267 |
| Noninterest expense to average assets | 2.7463% | 3,893 |
| Loan and lease loss provision to assets | 0.1228% | 2,696 |
| Net operating income to assets | 2.0929% | 296 |
| Return on assets (ROA) | 2.0929% | 323 |
| Pretax return on assets | 2.0929% | 503 |
| Return on Equity (ROE) | 20.2231% | 278 |
| Retained earnings to average equity (ytd only) | 9.5894% | 1,219 |
| Net charge-offs to loans | 0.6135% | 993 |
| Credit loss provision to net charge-offs | 27.1739% | 2,932 |
| Earnings coverage of net charge-offs (x) | 4.9022% | 2,454 |
| Efficiency ratio | 55.3465% | 6,124 |
| Assets per employee ($millions) | 4.3595% | 3,224 |
| Cash dividends to net income (ytd only)* | 52.5822% | 1,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4285% | 4,096 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 5,516 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 71.8942% | 1,367 |
| Net loans and leases to deposits | 80.2777% | 2,040 |
| Net loans and leases to core deposits | 88.9802% | 1,809 |
| Total domestic deposits to total assets | 89.5569% | 1,324 |
| Equity capital to assets | 10.2837% | 3,816 |
| Core capital (leverage) ratio | 10.5358% | 2,726 |
| Tier 1 risk-based capital ratio | 13.9234% | 4,564 |
| Total risk-based capital ratio | 15.1891% | 4,511 |
| Memoranda: | ||
| Average total assets | $81,418,000 | 5,331 |
| Average earning assets | $76,511,000 | 5,252 |
| Average equity | $8,426,000 | 5,382 |
| Average total loans | $59,979,500 | 4,706 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3432% | 838 |
| Cost of funding earning assets | 0.3149% | 6,382 |
| Net interest margin | 5.0283% | 376 |
| Noninterest income to average assets | 0.5002% | 3,898 |
| Noninterest expense to average assets | 2.7226% | 4,318 |
| Loan and lease loss provision to assets | 0.2303% | 2,830 |
| Net operating income to assets | 2.3068% | 210 |
| Return on assets (ROA) | 2.3068% | 226 |
| Pretax return on assets | 2.3068% | 337 |
| Return on Equity (ROE) | 23.2429% | 169 |
| Retained earnings to average equity (ytd only) | 14.6058% | 173 |
| Net charge-offs to loans | -0.0628% | 6,743 |
| Credit loss provision to net charge-offs | -500.0000% | 6,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7636% | 6,477 |
| Assets per employee ($millions) | 4.2108% | 3,530 |
| Cash dividends to net income (ytd only)* | 37.1603% | 3,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 3,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 73.2645% | 1,293 |
| Net loans and leases to deposits | 81.8648% | 2,016 |
| Net loans and leases to core deposits | 89.3373% | 1,921 |
| Total domestic deposits to total assets | 89.4945% | 1,244 |
| Equity capital to assets | 10.4167% | 3,631 |
| Core capital (leverage) ratio | 10.8812% | 2,357 |
| Tier 1 risk-based capital ratio | 14.5442% | 3,996 |
| Total risk-based capital ratio | 15.8140% | 3,944 |
| Memoranda: | ||
| Average total assets | $78,161,200 | 5,403 |
| Average earning assets | $73,981,600 | 5,312 |
| Average equity | $7,757,200 | 5,569 |
| Average total loans | $57,331,800 | 4,819 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3249% | 961 |
| Cost of funding earning assets | 0.3351% | 6,441 |
| Net interest margin | 4.9898% | 413 |
| Noninterest income to average assets | 0.5371% | 3,694 |
| Noninterest expense to average assets | 2.8365% | 3,852 |
| Loan and lease loss provision to assets | 0.2317% | 2,724 |
| Net operating income to assets | 2.1964% | 282 |
| Return on assets (ROA) | 2.1964% | 318 |
| Pretax return on assets | 2.1964% | 483 |
| Return on Equity (ROE) | 22.4172% | 219 |
| Retained earnings to average equity (ytd only) | 13.6430% | 331 |
| Net charge-offs to loans | -0.0258% | 6,550 |
| Credit loss provision to net charge-offs | -1,227.2727% | 6,564 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8787% | 6,262 |
| Assets per employee ($millions) | 3.8597% | 4,178 |
| Cash dividends to net income (ytd only)* | 39.1405% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4763% | 4,043 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 5,582 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 78.2600% | 699 |
| Net loans and leases to deposits | 88.2140% | 1,323 |
| Net loans and leases to core deposits | 98.6575% | 1,217 |
| Total domestic deposits to total assets | 88.7162% | 1,589 |
| Equity capital to assets | 10.9048% | 3,376 |
| Core capital (leverage) ratio | 10.4449% | 2,982 |
| Tier 1 risk-based capital ratio | 11.4184% | 6,277 |
| Total risk-based capital ratio | 12.5468% | 6,320 |
| Memoranda: | ||
| Average total assets | $77,700,000 | 5,468 |
| Average earning assets | $73,615,000 | 5,387 |
| Average equity | $7,613,000 | 5,667 |
| Average total loans | $56,778,250 | 4,894 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0837% | 1,551 |
| Cost of funding earning assets | 0.3572% | 6,478 |
| Net interest margin | 4.7264% | 639 |
| Noninterest income to average assets | 0.6014% | 3,255 |
| Noninterest expense to average assets | 2.7313% | 4,281 |
| Loan and lease loss provision to assets | 0.2274% | 2,798 |
| Net operating income to assets | 2.1224% | 326 |
| Return on assets (ROA) | 2.1224% | 365 |
| Pretax return on assets | 2.1224% | 558 |
| Return on Equity (ROE) | 22.4449% | 233 |
| Retained earnings to average equity (ytd only) | 13.6807% | 372 |
| Net charge-offs to loans | -0.1350% | 6,919 |
| Credit loss provision to net charge-offs | -236.8421% | 6,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7544% | 6,338 |
| Assets per employee ($millions) | 4.3713% | 3,133 |
| Cash dividends to net income (ytd only)* | 39.0476% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 4,423 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 6,236 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 74.8424% | 1,123 |
| Net loans and leases to deposits | 86.6524% | 1,522 |
| Net loans and leases to core deposits | 95.5168% | 1,471 |
| Total domestic deposits to total assets | 86.3708% | 3,153 |
| Equity capital to assets | 9.8241% | 4,586 |
| Core capital (leverage) ratio | 9.8706% | 3,621 |
| Tier 1 risk-based capital ratio | 10.9089% | 6,538 |
| Total risk-based capital ratio | 12.1134% | 6,537 |
| Memoranda: | ||
| Average total assets | $79,155,000 | 5,460 |
| Average earning assets | $75,024,670 | 5,356 |
| Average equity | $7,485,000 | 5,717 |
| Average total loans | $56,287,000 | 4,944 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9771% | 1,968 |
| Cost of funding earning assets | 0.4170% | 6,331 |
| Net interest margin | 4.5601% | 890 |
| Noninterest income to average assets | 0.8263% | 2,044 |
| Noninterest expense to average assets | 2.8316% | 3,894 |
| Loan and lease loss provision to assets | 0.2267% | 2,679 |
| Net operating income to assets | 2.0657% | 370 |
| Return on assets (ROA) | 2.0657% | 428 |
| Pretax return on assets | 2.0657% | 666 |
| Return on Equity (ROE) | 22.2750% | 268 |
| Retained earnings to average equity (ytd only) | 13.3650% | 633 |
| Net charge-offs to loans | -0.0147% | 6,072 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,075 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2606% | 6,196 |
| Assets per employee ($millions) | 4.3697% | 3,257 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3842% | 4,675 |
| Loan loss allowance to noncurrent loans | 3,170.8333% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.4043% | 5,849 |
| Noncurrent loans to loans | 0.0437% | 6,645 |
| Net loans and leases to total assets | 68.9285% | 1,956 |
| Net loans and leases to deposits | 76.3162% | 2,747 |
| Net loans and leases to core deposits | 83.3474% | 2,628 |
| Total domestic deposits to total assets | 90.3196% | 900 |
| Equity capital to assets | 9.5075% | 4,796 |
| Core capital (leverage) ratio | 9.1294% | 4,640 |
| Tier 1 risk-based capital ratio | 10.5400% | 6,722 |
| Total risk-based capital ratio | 11.6298% | 6,768 |
| Memoranda: | ||
| Average total assets | $79,390,500 | 5,494 |
| Average earning assets | $74,823,000 | 5,410 |
| Average equity | $7,362,500 | 5,772 |
| Average total loans | $54,565,000 | 5,041 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4903% | 1,188 |
| Cost of funding earning assets | 0.7380% | 5,288 |
| Net interest margin | 4.7523% | 684 |
| Noninterest income to average assets | 0.6251% | 3,039 |
| Noninterest expense to average assets | 2.6391% | 4,966 |
| Loan and lease loss provision to assets | 0.2947% | 3,307 |
| Net operating income to assets | 2.0484% | 282 |
| Return on assets (ROA) | 2.0484% | 301 |
| Pretax return on assets | 2.0484% | 483 |
| Return on Equity (ROE) | 24.5655% | 119 |
| Retained earnings to average equity (ytd only) | 14.8895% | 139 |
| Net charge-offs to loans | 0.3052% | 3,870 |
| Credit loss provision to net charge-offs | 137.9310% | 2,150 |
| Earnings coverage of net charge-offs (x) | 10.9655% | 1,773 |
| Efficiency ratio | 52.9702% | 6,620 |
| Assets per employee ($millions) | 4.2172% | 3,435 |
| Cash dividends to net income (ytd only)* | 39.3885% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3185% | 4,816 |
| Loan loss allowance to noncurrent loans | 3,104.3478% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.6714% | 5,305 |
| Noncurrent loans to loans | 0.0425% | 6,716 |
| Net loans and leases to total assets | 66.6941% | 2,645 |
| Net loans and leases to deposits | 73.4086% | 3,594 |
| Net loans and leases to core deposits | 79.1774% | 3,554 |
| Total domestic deposits to total assets | 90.8533% | 561 |
| Equity capital to assets | 9.0444% | 5,502 |
| Core capital (leverage) ratio | 8.6371% | 5,336 |
| Tier 1 risk-based capital ratio | 13.3243% | 4,822 |
| Total risk-based capital ratio | 14.4575% | 4,889 |
| Memoranda: | ||
| Average total assets | $81,428,800 | 5,421 |
| Average earning assets | $74,659,000 | 5,386 |
| Average equity | $6,790,000 | 5,926 |
| Average total loans | $57,006,800 | 4,985 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5606% | 1,115 |
| Cost of funding earning assets | 0.8072% | 5,101 |
| Net interest margin | 4.7534% | 683 |
| Noninterest income to average assets | 0.6328% | 2,975 |
| Noninterest expense to average assets | 2.5556% | 5,257 |
| Loan and lease loss provision to assets | 0.2936% | 3,176 |
| Net operating income to assets | 2.1054% | 291 |
| Return on assets (ROA) | 2.1054% | 312 |
| Pretax return on assets | 2.1054% | 514 |
| Return on Equity (ROE) | 25.7842% | 114 |
| Retained earnings to average equity (ytd only) | 16.1976% | 171 |
| Net charge-offs to loans | 0.2310% | 3,987 |
| Credit loss provision to net charge-offs | 180.0000% | 1,651 |
| Earnings coverage of net charge-offs (x) | 14.7100% | 1,513 |
| Efficiency ratio | 51.5800% | 6,719 |
| Assets per employee ($millions) | 4.4181% | 3,053 |
| Cash dividends to net income (ytd only)* | 37.1803% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 5,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6195% | 5,584 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 66.2378% | 2,848 |
| Net loans and leases to deposits | 72.5969% | 3,873 |
| Net loans and leases to core deposits | 80.6832% | 3,534 |
| Total domestic deposits to total assets | 91.2405% | 367 |
| Equity capital to assets | 8.4224% | 6,375 |
| Core capital (leverage) ratio | 8.0316% | 6,368 |
| Tier 1 risk-based capital ratio | 11.4017% | 6,297 |
| Total risk-based capital ratio | 12.6022% | 6,319 |
| Memoranda: | ||
| Average total assets | $81,754,250 | 5,445 |
| Average earning assets | $74,330,500 | 5,433 |
| Average equity | $6,675,750 | 6,006 |
| Average total loans | $57,720,000 | 5,007 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6443% | 979 |
| Cost of funding earning assets | 0.8764% | 4,856 |
| Net interest margin | 4.7679% | 635 |
| Noninterest income to average assets | 0.6911% | 2,603 |
| Noninterest expense to average assets | 2.5696% | 5,290 |
| Loan and lease loss provision to assets | 0.2962% | 3,032 |
| Net operating income to assets | 2.0957% | 301 |
| Return on assets (ROA) | 2.0957% | 309 |
| Pretax return on assets | 2.0957% | 497 |
| Return on Equity (ROE) | 25.9461% | 115 |
| Retained earnings to average equity (ytd only) | 15.7083% | 216 |
| Net charge-offs to loans | 0.3678% | 3,078 |
| Credit loss provision to net charge-offs | 112.1495% | 2,734 |
| Earnings coverage of net charge-offs (x) | 9.0561% | 1,971 |
| Efficiency ratio | 51.7910% | 6,804 |
| Assets per employee ($millions) | 4.7061% | 2,537 |
| Cash dividends to net income (ytd only)* | 39.4582% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7083% | 5,491 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 66.5825% | 2,914 |
| Net loans and leases to deposits | 72.5866% | 4,021 |
| Net loans and leases to core deposits | 80.2361% | 3,753 |
| Total domestic deposits to total assets | 91.7282% | 292 |
| Equity capital to assets | 7.9932% | 6,687 |
| Core capital (leverage) ratio | 7.9714% | 6,335 |
| Tier 1 risk-based capital ratio | 8.8541% | 7,193 |
| Total risk-based capital ratio | 9.7385% | 7,218 |
| Memoranda: | ||
| Average total assets | $81,024,670 | 5,524 |
| Average earning assets | $72,569,000 | 5,535 |
| Average equity | $6,544,330 | 6,069 |
| Average total loans | $58,183,330 | 5,040 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0893% | 408 |
| Cost of funding earning assets | 0.9615% | 4,487 |
| Net interest margin | 5.1279% | 289 |
| Noninterest income to average assets | 0.9447% | 1,491 |
| Noninterest expense to average assets | 2.6319% | 5,109 |
| Loan and lease loss provision to assets | 0.3031% | 2,738 |
| Net operating income to assets | 2.4551% | 186 |
| Return on assets (ROA) | 2.4551% | 193 |
| Pretax return on assets | 2.4551% | 262 |
| Return on Equity (ROE) | 30.2286% | 78 |
| Retained earnings to average equity (ytd only) | 21.5208% | 142 |
| Net charge-offs to loans | -0.0272% | 6,676 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,176 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8285% | 7,078 |
| Assets per employee ($millions) | 4.5191% | 2,859 |
| Cash dividends to net income (ytd only)* | 28.8066% | 2,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2604% | 5,339 |
| Loan loss allowance to noncurrent loans | 258.9091% | 1,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4917% | 5,998 |
| Noncurrent loans to loans | 0.4868% | 6,041 |
| Net loans and leases to total assets | 68.5717% | 2,435 |
| Net loans and leases to deposits | 74.7858% | 3,638 |
| Net loans and leases to core deposits | 82.3574% | 3,409 |
| Total domestic deposits to total assets | 91.6908% | 371 |
| Equity capital to assets | 8.1125% | 6,378 |
| Core capital (leverage) ratio | 8.0408% | 6,202 |
| Tier 1 risk-based capital ratio | 12.1902% | 5,519 |
| Total risk-based capital ratio | 13.4397% | 5,513 |
| Memoranda: | ||
| Average total assets | $79,182,000 | 5,612 |
| Average earning assets | $68,644,500 | 5,709 |
| Average equity | $6,431,000 | 6,117 |
| Average total loans | $58,743,500 | 5,060 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1272% | 661 |
| Cost of funding earning assets | 1.2216% | 4,414 |
| Net interest margin | 4.9057% | 542 |
| Noninterest income to average assets | 0.4361% | 4,626 |
| Noninterest expense to average assets | 2.7015% | 4,981 |
| Loan and lease loss provision to assets | 0.2543% | 4,758 |
| Net operating income to assets | 1.9782% | 292 |
| Return on assets (ROA) | 1.9782% | 308 |
| Pretax return on assets | 1.9782% | 506 |
| Return on Equity (ROE) | 26.5122% | 75 |
| Retained earnings to average equity (ytd only) | 14.8577% | 132 |
| Net charge-offs to loans | 0.0587% | 6,205 |
| Credit loss provision to net charge-offs | 588.2353% | 374 |
| Earnings coverage of net charge-offs (x) | 51.6471% | 452 |
| Efficiency ratio | 54.7539% | 6,741 |
| Assets per employee ($millions) | 4.2789% | 3,249 |
| Cash dividends to net income (ytd only)* | 43.9589% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0624% | 6,097 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1623% | 6,823 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 78.3537% | 889 |
| Net loans and leases to deposits | 85.4328% | 2,199 |
| Net loans and leases to core deposits | 93.8042% | 2,282 |
| Total domestic deposits to total assets | 91.7138% | 342 |
| Equity capital to assets | 8.1317% | 6,344 |
| Core capital (leverage) ratio | 7.7777% | 6,463 |
| Tier 1 risk-based capital ratio | 10.6830% | 6,584 |
| Total risk-based capital ratio | 11.8173% | 6,629 |
| Memoranda: | ||
| Average total assets | $78,659,200 | 5,629 |
| Average earning assets | $72,120,800 | 5,601 |
| Average equity | $5,869,000 | 6,404 |
| Average total loans | $57,890,800 | 5,162 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0207% | 897 |
| Cost of funding earning assets | 1.2816% | 4,359 |
| Net interest margin | 4.7391% | 766 |
| Noninterest income to average assets | 0.4485% | 4,572 |
| Noninterest expense to average assets | 2.4737% | 5,810 |
| Loan and lease loss provision to assets | 0.2361% | 4,711 |
| Net operating income to assets | 2.0909% | 291 |
| Return on assets (ROA) | 2.0909% | 313 |
| Pretax return on assets | 2.0909% | 518 |
| Return on Equity (ROE) | 28.6507% | 63 |
| Retained earnings to average equity (ytd only) | 17.3522% | 125 |
| Net charge-offs to loans | 0.0864% | 5,670 |
| Credit loss provision to net charge-offs | 378.3784% | 826 |
| Earnings coverage of net charge-offs (x) | 37.2988% | 730 |
| Efficiency ratio | 51.5279% | 7,027 |
| Assets per employee ($millions) | 4.3726% | 3,120 |
| Cash dividends to net income (ytd only)* | 39.4353% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 6,683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 6,956 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 80.2190% | 713 |
| Net loans and leases to deposits | 91.8064% | 1,475 |
| Net loans and leases to core deposits | 96.4440% | 2,203 |
| Total domestic deposits to total assets | 87.3785% | 2,330 |
| Equity capital to assets | 7.8430% | 6,905 |
| Core capital (leverage) ratio | 7.7970% | 6,572 |
| Tier 1 risk-based capital ratio | 10.0746% | 7,027 |
| Total risk-based capital ratio | 11.0598% | 7,142 |
| Memoranda: | ||
| Average total assets | $79,069,000 | 5,689 |
| Average earning assets | $72,614,500 | 5,647 |
| Average equity | $5,770,500 | 6,522 |
| Average total loans | $57,114,500 | 5,272 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9447% | 1,064 |
| Cost of funding earning assets | 1.3785% | 4,014 |
| Net interest margin | 4.5663% | 1,074 |
| Noninterest income to average assets | 0.4546% | 4,474 |
| Noninterest expense to average assets | 2.4751% | 5,814 |
| Loan and lease loss provision to assets | 0.2273% | 4,631 |
| Net operating income to assets | 1.9018% | 397 |
| Return on assets (ROA) | 1.9018% | 439 |
| Pretax return on assets | 1.9018% | 732 |
| Return on Equity (ROE) | 26.7195% | 91 |
| Retained earnings to average equity (ytd only) | 15.3646% | 224 |
| Net charge-offs to loans | 0.1493% | 4,739 |
| Credit loss provision to net charge-offs | 219.5122% | 1,773 |
| Earnings coverage of net charge-offs (x) | 20.5610% | 1,210 |
| Efficiency ratio | 53.7575% | 6,906 |
| Assets per employee ($millions) | 4.2899% | 3,233 |
| Cash dividends to net income (ytd only)* | 42.4967% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 6,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 6,981 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 73.5852% | 2,010 |
| Net loans and leases to deposits | 79.9058% | 3,613 |
| Net loans and leases to core deposits | 84.2629% | 4,105 |
| Total domestic deposits to total assets | 92.0899% | 208 |
| Equity capital to assets | 7.6252% | 7,039 |
| Core capital (leverage) ratio | 7.2494% | 7,035 |
| Tier 1 risk-based capital ratio | 10.4348% | 6,733 |
| Total risk-based capital ratio | 11.4130% | 6,904 |
| Memoranda: | ||
| Average total assets | $79,189,670 | 5,725 |
| Average earning assets | $71,962,670 | 5,709 |
| Average equity | $5,636,330 | 6,578 |
| Average total loans | $54,911,670 | 5,384 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8191% | 1,405 |
| Cost of funding earning assets | 1.4658% | 3,769 |
| Net interest margin | 4.3533% | 1,527 |
| Noninterest income to average assets | 0.4440% | 4,525 |
| Noninterest expense to average assets | 2.5195% | 5,660 |
| Loan and lease loss provision to assets | 0.2245% | 4,248 |
| Net operating income to assets | 1.6414% | 696 |
| Return on assets (ROA) | 1.6414% | 743 |
| Pretax return on assets | 1.6414% | 1,182 |
| Return on Equity (ROE) | 23.8817% | 194 |
| Retained earnings to average equity (ytd only) | 10.2350% | 1,091 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4516% | 6,570 |
| Assets per employee ($millions) | 4.4734% | 3,003 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9708% | 6,597 |
| Loan loss allowance to noncurrent loans | 365.9722% | 855 |
| Noncurrent assets plus other real estate owned to assets | 0.1788% | 7,021 |
| Noncurrent loans to loans | 0.2653% | 6,792 |
| Net loans and leases to total assets | 66.7602% | 3,687 |
| Net loans and leases to deposits | 73.8884% | 4,759 |
| Net loans and leases to core deposits | 78.3935% | 4,978 |
| Total domestic deposits to total assets | 90.3528% | 801 |
| Equity capital to assets | 6.9460% | 7,396 |
| Core capital (leverage) ratio | 6.7624% | 7,371 |
| Tier 1 risk-based capital ratio | 10.1571% | 6,926 |
| Total risk-based capital ratio | 11.1535% | 7,080 |
| Memoranda: | ||
| Average total assets | $80,175,500 | 5,765 |
| Average earning assets | $72,589,000 | 5,759 |
| Average equity | $5,510,500 | 6,671 |
| Average total loans | $53,691,500 | 5,505 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3537% | 927 |
| Cost of funding earning assets | 1.9954% | 2,982 |
| Net interest margin | 4.3582% | 1,550 |
| Noninterest income to average assets | 0.5803% | 3,785 |
| Noninterest expense to average assets | 2.7927% | 5,004 |
| Loan and lease loss provision to assets | 0.2001% | 5,740 |
| Net operating income to assets | 1.5550% | 604 |
| Return on assets (ROA) | 1.5550% | 643 |
| Pretax return on assets | 1.5550% | 1,067 |
| Return on Equity (ROE) | 21.1098% | 193 |
| Retained earnings to average equity (ytd only) | 6.3834% | 1,195 |
| Net charge-offs to loans | 0.0414% | 6,700 |
| Credit loss provision to net charge-offs | 700.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 61.4000% | 442 |
| Efficiency ratio | 61.4079% | 6,260 |
| Assets per employee ($millions) | 4.4350% | 3,041 |
| Cash dividends to net income (ytd only)* | 69.7610% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9077% | 6,781 |
| Loan loss allowance to noncurrent loans | 16,066.6667% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 7,531 |
| Noncurrent loans to loans | 0.0056% | 7,434 |
| Net loans and leases to total assets | 65.9126% | 4,174 |
| Net loans and leases to deposits | 72.8226% | 5,219 |
| Net loans and leases to core deposits | 117.5270% | 2,177 |
| Total domestic deposits to total assets | 90.5111% | 740 |
| Equity capital to assets | 6.7994% | 7,466 |
| Core capital (leverage) ratio | 6.9972% | 7,242 |
| Tier 1 risk-based capital ratio | 10.1184% | 6,776 |
| Total risk-based capital ratio | 11.0507% | 7,002 |
| Memoranda: | ||
| Average total assets | $69,967,200 | 6,005 |
| Average earning assets | $63,695,400 | 6,009 |
| Average equity | $5,154,000 | 6,888 |
| Average total loans | $48,361,600 | 5,743 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4138% | 902 |
| Cost of funding earning assets | 2.0672% | 3,042 |
| Net interest margin | 4.3467% | 1,596 |
| Noninterest income to average assets | 0.5728% | 3,904 |
| Noninterest expense to average assets | 2.7633% | 5,051 |
| Loan and lease loss provision to assets | 0.1778% | 5,582 |
| Net operating income to assets | 1.6355% | 625 |
| Return on assets (ROA) | 1.6355% | 670 |
| Pretax return on assets | 1.6355% | 1,099 |
| Return on Equity (ROE) | 21.7082% | 217 |
| Retained earnings to average equity (ytd only) | 5.0337% | 2,472 |
| Net charge-offs to loans | -0.0113% | 7,701 |
| Credit loss provision to net charge-offs | -2,250.0000% | 7,374 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3798% | 6,359 |
| Assets per employee ($millions) | 4.0129% | 3,707 |
| Cash dividends to net income (ytd only)* | 76.8119% | 1,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 6,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 67.4346% | 4,081 |
| Net loans and leases to deposits | 75.3244% | 5,153 |
| Net loans and leases to core deposits | 120.7756% | 2,175 |
| Total domestic deposits to total assets | 89.5256% | 952 |
| Equity capital to assets | 7.3429% | 7,400 |
| Core capital (leverage) ratio | 7.2257% | 7,241 |
| Tier 1 risk-based capital ratio | 10.5923% | 6,355 |
| Total risk-based capital ratio | 11.5407% | 6,638 |
| Memoranda: | ||
| Average total assets | $67,501,500 | 6,125 |
| Average earning assets | $62,176,500 | 6,099 |
| Average equity | $5,085,500 | 6,972 |
| Average total loans | $47,177,000 | 5,841 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5288% | 774 |
| Cost of funding earning assets | 2.1575% | 2,999 |
| Net interest margin | 4.3712% | 1,467 |
| Noninterest income to average assets | 0.5764% | 3,859 |
| Noninterest expense to average assets | 2.8275% | 4,839 |
| Loan and lease loss provision to assets | 0.1820% | 5,222 |
| Net operating income to assets | 1.5806% | 708 |
| Return on assets (ROA) | 1.5806% | 772 |
| Pretax return on assets | 1.5806% | 1,251 |
| Return on Equity (ROE) | 20.7873% | 289 |
| Retained earnings to average equity (ytd only) | -0.1596% | 5,257 |
| Net charge-offs to loans | -0.0129% | 7,639 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5995% | 6,300 |
| Assets per employee ($millions) | 3.8514% | 3,978 |
| Cash dividends to net income (ytd only)* | 100.7678% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8767% | 6,868 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 69.3184% | 3,875 |
| Net loans and leases to deposits | 78.7425% | 4,747 |
| Net loans and leases to core deposits | 126.6071% | 1,808 |
| Total domestic deposits to total assets | 88.0317% | 1,754 |
| Equity capital to assets | 7.2715% | 7,429 |
| Core capital (leverage) ratio | 7.2179% | 7,341 |
| Tier 1 risk-based capital ratio | 10.9108% | 5,973 |
| Total risk-based capital ratio | 11.8578% | 6,221 |
| Memoranda: | ||
| Average total assets | $65,924,330 | 6,227 |
| Average earning assets | $60,532,000 | 6,200 |
| Average equity | $5,012,670 | 7,058 |
| Average total loans | $46,514,000 | 5,912 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5010% | 863 |
| Cost of funding earning assets | 2.2733% | 2,822 |
| Net interest margin | 4.2277% | 1,817 |
| Noninterest income to average assets | 0.5917% | 3,612 |
| Noninterest expense to average assets | 2.7653% | 4,720 |
| Loan and lease loss provision to assets | 0.1868% | 4,570 |
| Net operating income to assets | 1.5197% | 904 |
| Return on assets (ROA) | 1.5197% | 975 |
| Pretax return on assets | 1.5197% | 1,612 |
| Return on Equity (ROE) | 19.5259% | 458 |
| Retained earnings to average equity (ytd only) | -14.7244% | 7,423 |
| Net charge-offs to loans | -0.0176% | 7,404 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8384% | 6,086 |
| Assets per employee ($millions) | 4.0239% | 3,615 |
| Cash dividends to net income (ytd only)* | 175.4098% | 361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8560% | 6,938 |
| Loan loss allowance to noncurrent loans | 474.6988% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 7,222 |
| Noncurrent loans to loans | 0.1803% | 7,012 |
| Net loans and leases to total assets | 66.7120% | 4,410 |
| Net loans and leases to deposits | 72.1251% | 5,730 |
| Net loans and leases to core deposits | 115.7133% | 2,827 |
| Total domestic deposits to total assets | 92.4948% | 125 |
| Equity capital to assets | 7.2157% | 7,553 |
| Core capital (leverage) ratio | 7.2720% | 7,405 |
| Tier 1 risk-based capital ratio | 11.0593% | 5,849 |
| Total risk-based capital ratio | 11.9830% | 6,062 |
| Memoranda: | ||
| Average total assets | $64,224,000 | 6,322 |
| Average earning assets | $58,945,000 | 6,302 |
| Average equity | $4,998,500 | 7,110 |
| Average total loans | $45,531,000 | 5,983 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0224% | 1,077 |
| Cost of funding earning assets | 2.7796% | 2,789 |
| Net interest margin | 4.2427% | 2,145 |
| Noninterest income to average assets | 0.8113% | 2,450 |
| Noninterest expense to average assets | 3.2869% | 3,009 |
| Loan and lease loss provision to assets | 0.0164% | 7,180 |
| Net operating income to assets | 1.4115% | 1,205 |
| Return on assets (ROA) | 1.4115% | 1,160 |
| Pretax return on assets | 1.3533% | 2,115 |
| Return on Equity (ROE) | 16.7494% | 665 |
| Retained earnings to average equity (ytd only) | 15.3464% | 82 |
| Net charge-offs to loans | -0.1166% | 8,111 |
| Credit loss provision to net charge-offs | -21.4286% | 7,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5859% | 4,234 |
| Assets per employee ($millions) | 3.3357% | 5,131 |
| Cash dividends to net income (ytd only)* | 8.3763% | 4,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8039% | 7,092 |
| Loan loss allowance to noncurrent loans | 416.0920% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 0.1449% | 6,996 |
| Noncurrent loans to loans | 0.1932% | 6,812 |
| Net loans and leases to total assets | 74.3996% | 3,013 |
| Net loans and leases to deposits | 82.6598% | 4,626 |
| Net loans and leases to core deposits | 125.5650% | 2,199 |
| Total domestic deposits to total assets | 90.0070% | 643 |
| Equity capital to assets | 8.4291% | 6,208 |
| Core capital (leverage) ratio | 8.4044% | 5,753 |
| Tier 1 risk-based capital ratio | 12.0512% | 4,784 |
| Total risk-based capital ratio | 12.9414% | 4,961 |
| Memoranda: | ||
| Average total assets | $54,975,600 | 6,576 |
| Average earning assets | $49,826,600 | 6,596 |
| Average equity | $4,633,000 | 7,288 |
| Average total loans | $36,024,200 | 6,364 |