Home > Citizens State Bank and Trust Company > Performance and Condition Ratios
Citizens State Bank and Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9547% | 4,028 |
| Cost of funding earning assets | 0.3701% | 4,315 |
| Net interest margin | 3.5846% | 1,998 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 2.6757% | 1,806 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4822% | 1,048 |
| Return on assets (ROA) | 1.4822% | 1,024 |
| Pretax return on assets | 1.5316% | 1,354 |
| Return on Equity (ROE) | 11.2200% | 2,169 |
| Retained earnings to average equity (ytd only) | 8.3423% | 1,447 |
| 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 | 63.5974% | 2,656 |
| Assets per employee ($millions) | 4.3248% | 4,036 |
| Cash dividends to net income (ytd only)* | 25.6246% | 2,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0274% | 3,177 |
| 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 | 60.3300% | 2,815 |
| Net loans and leases to deposits | 75.1914% | 2,529 |
| Net loans and leases to core deposits | 75.1914% | 3,019 |
| Total domestic deposits to total assets | 80.2400% | 3,422 |
| Equity capital to assets | 15.2428% | 532 |
| Core capital (leverage) ratio | 16.7461% | 408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6735% | 262 |
| Memoranda: | ||
| Average total assets | $105,316,600 | 3,778 |
| Average earning assets | $98,894,600 | 3,753 |
| Average equity | $13,917,000 | 3,348 |
| Average total loans | $56,162,800 | 3,757 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8288% | 4,088 |
| Cost of funding earning assets | 0.3363% | 4,327 |
| Net interest margin | 3.4925% | 2,228 |
| Noninterest income to average assets | 0.7800% | 993 |
| Noninterest expense to average assets | 2.6646% | 1,750 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3398% | 1,445 |
| Return on assets (ROA) | 1.3398% | 1,429 |
| Pretax return on assets | 1.3960% | 1,787 |
| Return on Equity (ROE) | 10.5100% | 2,499 |
| Retained earnings to average equity (ytd only) | 7.5750% | 2,110 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.6212% | 2,317 |
| Assets per employee ($millions) | 4.5684% | 3,900 |
| Cash dividends to net income (ytd only)* | 27.9590% | 2,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0734% | 3,005 |
| Loan loss allowance to noncurrent loans | 270.8696% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.2189% | 2,166 |
| Noncurrent loans to loans | 0.3963% | 1,837 |
| Net loans and leases to total assets | 54.6400% | 3,316 |
| Net loans and leases to deposits | 69.2030% | 2,892 |
| Net loans and leases to core deposits | 69.2030% | 3,254 |
| Total domestic deposits to total assets | 78.9600% | 3,703 |
| Equity capital to assets | 13.4354% | 733 |
| Core capital (leverage) ratio | 16.0329% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7909% | 258 |
| Memoranda: | ||
| Average total assets | $106,778,250 | 3,783 |
| Average earning assets | $100,290,000 | 3,756 |
| Average equity | $13,605,750 | 3,365 |
| Average total loans | $55,044,250 | 3,778 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7190% | 4,122 |
| Cost of funding earning assets | 0.2618% | 4,367 |
| Net interest margin | 3.4571% | 2,368 |
| Noninterest income to average assets | 0.7800% | 903 |
| Noninterest expense to average assets | 2.5804% | 1,976 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3787% | 1,384 |
| Return on assets (ROA) | 1.3787% | 1,361 |
| Pretax return on assets | 1.4495% | 1,697 |
| Return on Equity (ROE) | 11.0200% | 2,410 |
| Retained earnings to average equity (ytd only) | 8.0385% | 1,948 |
| Net charge-offs to loans | 0.0037% | 2,172 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 778.0000% | 189 |
| Efficiency ratio | 64.0314% | 2,486 |
| Assets per employee ($millions) | 4.4163% | 4,001 |
| Cash dividends to net income (ytd only)* | 27.0270% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1157% | 2,875 |
| 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 | 52.0100% | 3,411 |
| Net loans and leases to deposits | 63.3054% | 3,239 |
| Net loans and leases to core deposits | 63.3054% | 3,488 |
| Total domestic deposits to total assets | 82.1600% | 3,204 |
| Equity capital to assets | 13.0227% | 806 |
| Core capital (leverage) ratio | 15.4307% | 538 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.8796% | 243 |
| Memoranda: | ||
| Average total assets | $107,346,667 | 3,794 |
| Average earning assets | $100,834,667 | 3,765 |
| Average equity | $13,435,333 | 3,397 |
| Average total loans | $54,046,333 | 3,805 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6613% | 4,084 |
| Cost of funding earning assets | 0.2080% | 4,366 |
| Net interest margin | 3.4533% | 2,487 |
| Noninterest income to average assets | 0.9300% | 645 |
| Noninterest expense to average assets | 2.5957% | 1,963 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4923% | 1,202 |
| Return on assets (ROA) | 1.4923% | 1,181 |
| Pretax return on assets | 1.5885% | 1,490 |
| Return on Equity (ROE) | 12.1600% | 2,176 |
| Retained earnings to average equity (ytd only) | 9.1461% | 1,899 |
| Net charge-offs to loans | 0.0075% | 1,668 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 429.0000% | 262 |
| Efficiency ratio | 62.0354% | 2,693 |
| Assets per employee ($millions) | 4.7040% | 3,885 |
| Cash dividends to net income (ytd only)* | 24.8139% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1620% | 2,760 |
| 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 | 48.9000% | 3,575 |
| Net loans and leases to deposits | 57.5439% | 3,477 |
| Net loans and leases to core deposits | 57.5439% | 3,656 |
| Total domestic deposits to total assets | 84.9800% | 2,868 |
| Equity capital to assets | 12.6210% | 844 |
| Core capital (leverage) ratio | 14.3339% | 684 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1878% | 242 |
| Memoranda: | ||
| Average total assets | $108,024,000 | 3,836 |
| Average earning assets | $101,930,500 | 3,802 |
| Average equity | $13,251,500 | 3,454 |
| Average total loans | $53,195,000 | 3,858 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6296% | 4,443 |
| Cost of funding earning assets | 0.1201% | 4,281 |
| Net interest margin | 2.5095% | 4,282 |
| Noninterest income to average assets | 0.6800% | 1,362 |
| Noninterest expense to average assets | 2.3264% | 2,652 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7269% | 3,544 |
| Return on assets (ROA) | 0.7269% | 3,488 |
| Pretax return on assets | 0.7416% | 3,762 |
| Return on Equity (ROE) | 6.3100% | 3,768 |
| Retained earnings to average equity (ytd only) | 3.3006% | 3,629 |
| Net charge-offs to loans | -0.0020% | 3,445 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.8270% | 1,028 |
| Assets per employee ($millions) | 4.9025% | 3,745 |
| Cash dividends to net income (ytd only)* | 47.7327% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1786% | 2,500 |
| 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 | 48.4300% | 3,644 |
| Net loans and leases to deposits | 59.7415% | 3,340 |
| Net loans and leases to core deposits | 60.1162% | 3,498 |
| Total domestic deposits to total assets | 81.0700% | 3,745 |
| Equity capital to assets | 11.9123% | 959 |
| Core capital (leverage) ratio | 14.5361% | 629 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6835% | 246 |
| Memoranda: | ||
| Average total assets | $115,283,800 | 3,773 |
| Average earning assets | $109,902,400 | 3,725 |
| Average equity | $13,270,400 | 3,547 |
| Average total loans | $49,131,600 | 3,910 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4511% | 4,467 |
| Cost of funding earning assets | 0.1059% | 4,237 |
| Net interest margin | 2.3452% | 4,374 |
| Noninterest income to average assets | 0.6100% | 1,677 |
| Noninterest expense to average assets | 2.3049% | 2,618 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5258% | 4,020 |
| Return on assets (ROA) | 0.5258% | 3,963 |
| Pretax return on assets | 0.5452% | 4,078 |
| Return on Equity (ROE) | 4.6100% | 4,057 |
| Retained earnings to average equity (ytd only) | 1.6148% | 4,115 |
| Net charge-offs to loans | -0.0028% | 3,331 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.8706% | 720 |
| Assets per employee ($millions) | 4.9199% | 3,747 |
| Cash dividends to net income (ytd only)* | 64.9351% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,417 |
| 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 | 46.5500% | 3,725 |
| Net loans and leases to deposits | 54.4293% | 3,580 |
| Net loans and leases to core deposits | 54.7516% | 3,703 |
| Total domestic deposits to total assets | 85.5300% | 3,166 |
| Equity capital to assets | 11.2549% | 1,081 |
| Core capital (leverage) ratio | 13.8687% | 709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1334% | 246 |
| Memoranda: | ||
| Average total assets | $117,141,000 | 3,776 |
| Average earning assets | $112,054,500 | 3,728 |
| Average equity | $13,376,000 | 3,574 |
| Average total loans | $48,199,250 | 3,942 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2233% | 4,556 |
| Cost of funding earning assets | 0.1009% | 4,181 |
| Net interest margin | 2.1224% | 4,503 |
| Noninterest income to average assets | 0.5961% | 1,758 |
| Noninterest expense to average assets | 2.2280% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3896% | 4,124 |
| Return on assets (ROA) | 0.3896% | 4,076 |
| Pretax return on assets | 0.3996% | 4,158 |
| Return on Equity (ROE) | 3.3977% | 4,154 |
| Retained earnings to average equity (ytd only) | 0.4937% | 4,095 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7909% | 636 |
| Assets per employee ($millions) | 5.4533% | 3,272 |
| Cash dividends to net income (ytd only)* | 85.4701% | 524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 2,347 |
| 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 | 40.4011% | 4,057 |
| Net loans and leases to deposits | 49.4476% | 3,835 |
| Net loans and leases to core deposits | 49.7205% | 3,950 |
| Total domestic deposits to total assets | 81.7049% | 4,047 |
| Equity capital to assets | 10.7750% | 1,326 |
| Core capital (leverage) ratio | 12.5100% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6608% | 275 |
| Memoranda: | ||
| Average total assets | $120,109,000 | 3,798 |
| Average earning assets | $114,964,667 | 3,761 |
| Average equity | $13,774,000 | 3,607 |
| Average total loans | $47,261,667 | 4,008 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0237% | 4,612 |
| Cost of funding earning assets | 0.1005% | 4,132 |
| Net interest margin | 1.9232% | 4,567 |
| Noninterest income to average assets | 0.7356% | 1,206 |
| Noninterest expense to average assets | 2.2666% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3362% | 4,082 |
| Return on assets (ROA) | 0.3362% | 4,048 |
| Pretax return on assets | 0.3162% | 4,164 |
| Return on Equity (ROE) | 2.8456% | 4,129 |
| Retained earnings to average equity (ytd only) | 0.0282% | 4,008 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7577% | 649 |
| Assets per employee ($millions) | 5.2673% | 3,530 |
| Cash dividends to net income (ytd only)* | 99.0099% | 526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4343% | 1,781 |
| 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 | 33.8124% | 4,314 |
| Net loans and leases to deposits | 43.5262% | 4,093 |
| Net loans and leases to core deposits | 43.7659% | 4,172 |
| Total domestic deposits to total assets | 77.6830% | 4,426 |
| Equity capital to assets | 10.7115% | 1,482 |
| Core capital (leverage) ratio | 9.2748% | 3,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.0184% | 642 |
| Memoranda: | ||
| Average total assets | $120,177,500 | 3,817 |
| Average earning assets | $115,430,500 | 3,776 |
| Average equity | $14,197,500 | 3,634 |
| Average total loans | $46,346,500 | 4,030 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5527% | 4,444 |
| Cost of funding earning assets | 0.1026% | 4,366 |
| Net interest margin | 2.4501% | 4,255 |
| Noninterest income to average assets | 0.6482% | 1,948 |
| Noninterest expense to average assets | 2.2917% | 2,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6690% | 3,700 |
| Return on assets (ROA) | 0.6690% | 3,752 |
| Pretax return on assets | 0.7087% | 3,913 |
| Return on Equity (ROE) | 4.8939% | 4,018 |
| Retained earnings to average equity (ytd only) | -0.0661% | 4,505 |
| Net charge-offs to loans | -0.0022% | 3,378 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3784% | 1,073 |
| Assets per employee ($millions) | 4.7475% | 3,930 |
| Cash dividends to net income (ytd only)* | 101.3514% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,558 |
| 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 | 42.7462% | 3,930 |
| Net loans and leases to deposits | 56.1525% | 3,403 |
| Net loans and leases to core deposits | 56.4990% | 3,582 |
| Total domestic deposits to total assets | 76.1252% | 4,506 |
| Equity capital to assets | 13.0367% | 888 |
| Core capital (leverage) ratio | 12.5310% | 917 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.1430% | 433 |
| Memoranda: | ||
| Average total assets | $110,617,800 | 3,887 |
| Average earning assets | $106,200,200 | 3,841 |
| Average equity | $15,120,800 | 3,621 |
| Average total loans | $46,136,600 | 4,067 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5847% | 4,512 |
| Cost of funding earning assets | 0.1038% | 4,464 |
| Net interest margin | 2.4809% | 4,311 |
| Noninterest income to average assets | 0.6376% | 2,061 |
| Noninterest expense to average assets | 2.3086% | 2,724 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6607% | 3,869 |
| Return on assets (ROA) | 0.6607% | 3,923 |
| Pretax return on assets | 0.7080% | 4,054 |
| Return on Equity (ROE) | 4.7757% | 4,170 |
| Retained earnings to average equity (ytd only) | -0.9306% | 4,658 |
| Net charge-offs to loans | -0.0029% | 3,294 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5298% | 999 |
| Assets per employee ($millions) | 4.6040% | 4,045 |
| Cash dividends to net income (ytd only)* | 119.4853% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4284% | 1,903 |
| 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 | 38.8461% | 4,262 |
| Net loans and leases to deposits | 50.4585% | 3,987 |
| Net loans and leases to core deposits | 50.7760% | 4,092 |
| Total domestic deposits to total assets | 76.9863% | 4,494 |
| Equity capital to assets | 13.6160% | 823 |
| Core capital (leverage) ratio | 13.6611% | 703 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.1800% | 297 |
| Memoranda: | ||
| Average total assets | $109,787,250 | 3,943 |
| Average earning assets | $105,282,750 | 3,898 |
| Average equity | $15,187,500 | 3,661 |
| Average total loans | $45,339,000 | 4,139 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5605% | 4,577 |
| Cost of funding earning assets | 0.1023% | 4,567 |
| Net interest margin | 2.4581% | 4,357 |
| Noninterest income to average assets | 0.6152% | 2,149 |
| Noninterest expense to average assets | 2.2930% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6390% | 3,899 |
| Return on assets (ROA) | 0.6390% | 3,960 |
| Pretax return on assets | 0.6901% | 4,083 |
| Return on Equity (ROE) | 4.5947% | 4,216 |
| Retained earnings to average equity (ytd only) | -1.2340% | 4,625 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8666% | 1,001 |
| Assets per employee ($millions) | 4.5081% | 4,101 |
| Cash dividends to net income (ytd only)* | 126.8571% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 2,032 |
| 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 | 39.1679% | 4,325 |
| Net loans and leases to deposits | 51.4433% | 4,023 |
| Net loans and leases to core deposits | 51.7600% | 4,145 |
| Total domestic deposits to total assets | 76.1380% | 4,555 |
| Equity capital to assets | 13.3769% | 849 |
| Core capital (leverage) ratio | 13.5172% | 707 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.2416% | 330 |
| Memoranda: | ||
| Average total assets | $109,551,333 | 3,968 |
| Average earning assets | $105,527,667 | 3,918 |
| Average equity | $15,235,000 | 3,655 |
| Average total loans | $45,937,000 | 4,154 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5476% | 4,614 |
| Cost of funding earning assets | 0.1037% | 4,630 |
| Net interest margin | 2.4439% | 4,369 |
| Noninterest income to average assets | 0.7261% | 1,783 |
| Noninterest expense to average assets | 2.1968% | 3,124 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8261% | 3,335 |
| Return on assets (ROA) | 0.8261% | 3,414 |
| Pretax return on assets | 0.8854% | 3,636 |
| Return on Equity (ROE) | 5.8245% | 3,907 |
| Retained earnings to average equity (ytd only) | -0.3918% | 4,398 |
| Net charge-offs to loans | 0.0086% | 1,605 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 239.0000% | 352 |
| Efficiency ratio | 71.2740% | 1,572 |
| Assets per employee ($millions) | 4.7419% | 3,894 |
| Cash dividends to net income (ytd only)* | 106.7265% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3495% | 2,200 |
| 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 | 39.8243% | 4,358 |
| Net loans and leases to deposits | 53.4969% | 3,973 |
| Net loans and leases to core deposits | 53.8304% | 4,100 |
| Total domestic deposits to total assets | 74.4422% | 4,651 |
| Equity capital to assets | 13.4291% | 802 |
| Core capital (leverage) ratio | 13.7870% | 689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.9039% | 359 |
| Memoranda: | ||
| Average total assets | $107,976,000 | 3,990 |
| Average earning assets | $104,097,500 | 3,935 |
| Average equity | $15,314,500 | 3,656 |
| Average total loans | $46,523,500 | 4,164 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4918% | 4,044 |
| Cost of funding earning assets | 0.1543% | 4,716 |
| Net interest margin | 3.3375% | 2,961 |
| Noninterest income to average assets | 0.7376% | 1,724 |
| Noninterest expense to average assets | 2.7086% | 2,216 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1751% | 1,630 |
| Return on assets (ROA) | 1.1751% | 1,743 |
| Pretax return on assets | 1.2293% | 2,227 |
| Return on Equity (ROE) | 7.3653% | 3,045 |
| Retained earnings to average equity (ytd only) | 1.1492% | 4,167 |
| Net charge-offs to loans | 0.0259% | 2,517 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 90.7692% | 835 |
| Efficiency ratio | 68.7831% | 2,126 |
| Assets per employee ($millions) | 4.4412% | 3,978 |
| Cash dividends to net income (ytd only)* | 84.3972% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 2,325 |
| Loan loss allowance to noncurrent loans | 20,700.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 4,458 |
| Noncurrent loans to loans | 0.0064% | 4,368 |
| Net loans and leases to total assets | 45.5070% | 4,160 |
| Net loans and leases to deposits | 61.9167% | 3,608 |
| Net loans and leases to core deposits | 62.3478% | 3,811 |
| Total domestic deposits to total assets | 73.4970% | 4,657 |
| Equity capital to assets | 15.0234% | 569 |
| Core capital (leverage) ratio | 14.5243% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8979% | 355 |
| Memoranda: | ||
| Average total assets | $95,991,200 | 4,042 |
| Average earning assets | $92,044,800 | 3,997 |
| Average equity | $15,315,000 | 3,629 |
| Average total loans | $50,134,400 | 4,108 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5235% | 4,165 |
| Cost of funding earning assets | 0.1646% | 4,766 |
| Net interest margin | 3.3589% | 3,025 |
| Noninterest income to average assets | 0.6169% | 2,112 |
| Noninterest expense to average assets | 2.6736% | 2,332 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1124% | 1,941 |
| Return on assets (ROA) | 1.1124% | 2,064 |
| Pretax return on assets | 1.1688% | 2,491 |
| Return on Equity (ROE) | 6.8637% | 3,251 |
| Retained earnings to average equity (ytd only) | 0.6446% | 4,348 |
| Net charge-offs to loans | 0.0105% | 2,731 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 207.0000% | 485 |
| Efficiency ratio | 69.5812% | 1,949 |
| Assets per employee ($millions) | 3.9672% | 4,341 |
| Cash dividends to net income (ytd only)* | 90.6091% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2394% | 2,448 |
| Loan loss allowance to noncurrent loans | 55.1181% | 3,958 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 893 |
| Noncurrent loans to loans | 2.2487% | 508 |
| Net loans and leases to total assets | 50.6145% | 4,064 |
| Net loans and leases to deposits | 72.5413% | 3,082 |
| Net loans and leases to core deposits | 73.0894% | 3,390 |
| Total domestic deposits to total assets | 69.7734% | 4,765 |
| Equity capital to assets | 15.4263% | 551 |
| Core capital (leverage) ratio | 14.8877% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3588% | 490 |
| Memoranda: | ||
| Average total assets | $94,452,250 | 4,063 |
| Average earning assets | $90,702,500 | 4,013 |
| Average equity | $15,307,250 | 3,627 |
| Average total loans | $50,891,750 | 4,118 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8056% | 3,847 |
| Cost of funding earning assets | 0.1815% | 4,807 |
| Net interest margin | 3.6241% | 2,403 |
| Noninterest income to average assets | 0.5986% | 2,133 |
| Noninterest expense to average assets | 2.7736% | 2,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2468% | 1,504 |
| Return on assets (ROA) | 1.2468% | 1,620 |
| Pretax return on assets | 1.3071% | 2,005 |
| Return on Equity (ROE) | 7.5638% | 2,913 |
| Retained earnings to average equity (ytd only) | 1.3456% | 3,989 |
| Net charge-offs to loans | 0.0118% | 2,539 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 202.3333% | 443 |
| Efficiency ratio | 67.9683% | 2,236 |
| Assets per employee ($millions) | 4.3090% | 3,989 |
| Cash dividends to net income (ytd only)* | 82.2107% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 2,293 |
| Loan loss allowance to noncurrent loans | 7,011.1111% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 4,540 |
| Noncurrent loans to loans | 0.0177% | 4,432 |
| Net loans and leases to total assets | 48.4857% | 4,234 |
| Net loans and leases to deposits | 69.5354% | 3,456 |
| Net loans and leases to core deposits | 70.0327% | 3,706 |
| Total domestic deposits to total assets | 69.7281% | 4,799 |
| Equity capital to assets | 14.8681% | 641 |
| Core capital (leverage) ratio | 15.4866% | 497 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.6836% | 528 |
| Memoranda: | ||
| Average total assets | $92,876,000 | 4,085 |
| Average earning assets | $89,236,667 | 4,037 |
| Average equity | $15,309,667 | 3,623 |
| Average total loans | $50,912,333 | 4,119 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 3,772 |
| Cost of funding earning assets | 0.2322% | 4,818 |
| Net interest margin | 3.7716% | 2,080 |
| Noninterest income to average assets | 0.7945% | 1,332 |
| Noninterest expense to average assets | 2.8309% | 2,339 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5204% | 746 |
| Return on assets (ROA) | 1.5204% | 814 |
| Pretax return on assets | 1.5981% | 1,058 |
| Return on Equity (ROE) | 8.7193% | 2,224 |
| Retained earnings to average equity (ytd only) | 2.4875% | 3,266 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9175% | 3,244 |
| Assets per employee ($millions) | 3.6944% | 4,288 |
| Cash dividends to net income (ytd only)* | 71.4715% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 2,411 |
| Loan loss allowance to noncurrent loans | 92.6901% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7714% | 1,753 |
| Noncurrent loans to loans | 1.3456% | 1,200 |
| Net loans and leases to total assets | 56.6142% | 3,791 |
| Net loans and leases to deposits | 74.2592% | 3,244 |
| Net loans and leases to core deposits | 74.8260% | 3,582 |
| Total domestic deposits to total assets | 76.2387% | 4,458 |
| Equity capital to assets | 17.3992% | 398 |
| Core capital (leverage) ratio | 16.9330% | 421 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.5574% | 348 |
| Memoranda: | ||
| Average total assets | $87,606,000 | 4,164 |
| Average earning assets | $84,419,500 | 4,100 |
| Average equity | $15,276,500 | 3,631 |
| Average total loans | $50,982,000 | 4,138 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2500% | 3,676 |
| Cost of funding earning assets | 0.2409% | 4,872 |
| Net interest margin | 4.0092% | 1,827 |
| Noninterest income to average assets | 0.8486% | 1,307 |
| Noninterest expense to average assets | 2.8913% | 2,316 |
| Loan and lease loss provision to assets | 0.2353% | 808 |
| Net operating income to assets | 1.4595% | 1,158 |
| Return on assets (ROA) | 1.4595% | 1,218 |
| Pretax return on assets | 1.5233% | 1,738 |
| Return on Equity (ROE) | 8.4519% | 2,960 |
| Retained earnings to average equity (ytd only) | 2.0610% | 3,969 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1790% | 3,346 |
| Assets per employee ($millions) | 3.6061% | 4,365 |
| Cash dividends to net income (ytd only)* | 75.6156% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2399% | 2,232 |
| Loan loss allowance to noncurrent loans | 171.8157% | 2,355 |
| Noncurrent assets plus other real estate owned to assets | 0.4264% | 2,687 |
| Noncurrent loans to loans | 0.7216% | 2,076 |
| Net loans and leases to total assets | 58.3486% | 3,741 |
| Net loans and leases to deposits | 75.0479% | 3,253 |
| Net loans and leases to core deposits | 75.6165% | 3,604 |
| Total domestic deposits to total assets | 77.7485% | 4,397 |
| Equity capital to assets | 17.4772% | 417 |
| Core capital (leverage) ratio | 17.2846% | 387 |
| Tier 1 risk-based capital ratio | 27.4684% | 592 |
| Total risk-based capital ratio | 28.6248% | 583 |
| Memoranda: | ||
| Average total assets | $86,259,800 | 4,198 |
| Average earning assets | $81,787,400 | 4,157 |
| Average equity | $14,896,000 | 3,647 |
| Average total loans | $53,814,400 | 4,107 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 3,691 |
| Cost of funding earning assets | 0.2362% | 4,961 |
| Net interest margin | 4.0516% | 1,756 |
| Noninterest income to average assets | 0.7224% | 1,689 |
| Noninterest expense to average assets | 2.7768% | 2,632 |
| Loan and lease loss provision to assets | 0.3140% | 459 |
| Net operating income to assets | 1.3861% | 1,508 |
| Return on assets (ROA) | 1.3861% | 1,578 |
| Pretax return on assets | 1.4526% | 2,111 |
| Return on Equity (ROE) | 8.0509% | 3,279 |
| Retained earnings to average equity (ytd only) | 1.6353% | 4,388 |
| Net charge-offs to loans | -0.0049% | 4,200 |
| Credit loss provision to net charge-offs | -10,150.0000% | 4,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1168% | 3,461 |
| Assets per employee ($millions) | 3.4303% | 4,568 |
| Cash dividends to net income (ytd only)* | 79.6876% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,649 |
| Loan loss allowance to noncurrent loans | 161.0127% | 2,488 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 2,603 |
| Noncurrent loans to loans | 0.7286% | 2,146 |
| Net loans and leases to total assets | 65.0739% | 3,169 |
| Net loans and leases to deposits | 86.4599% | 2,138 |
| Net loans and leases to core deposits | 87.1717% | 2,808 |
| Total domestic deposits to total assets | 75.2648% | 4,720 |
| Equity capital to assets | 18.2198% | 378 |
| Core capital (leverage) ratio | 18.4937% | 317 |
| Tier 1 risk-based capital ratio | 24.7031% | 786 |
| Total risk-based capital ratio | 25.7551% | 788 |
| Memoranda: | ||
| Average total assets | $86,188,000 | 4,251 |
| Average earning assets | $81,282,250 | 4,214 |
| Average equity | $14,838,500 | 3,686 |
| Average total loans | $54,484,750 | 4,138 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 3,715 |
| Cost of funding earning assets | 0.2304% | 5,010 |
| Net interest margin | 4.0450% | 1,784 |
| Noninterest income to average assets | 0.6859% | 1,776 |
| Noninterest expense to average assets | 2.7368% | 2,794 |
| Loan and lease loss provision to assets | 0.4527% | 267 |
| Net operating income to assets | 1.2506% | 1,958 |
| Return on assets (ROA) | 1.2506% | 2,012 |
| Pretax return on assets | 1.3101% | 2,528 |
| Return on Equity (ROE) | 7.3996% | 3,531 |
| Retained earnings to average equity (ytd only) | 0.9605% | 4,449 |
| Net charge-offs to loans | -0.0073% | 4,231 |
| Credit loss provision to net charge-offs | -9,900.0000% | 4,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8232% | 3,608 |
| Assets per employee ($millions) | 3.4133% | 4,588 |
| Cash dividends to net income (ytd only)* | 87.0201% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 2,800 |
| Loan loss allowance to noncurrent loans | 7,011.1111% | 108 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,749 |
| Noncurrent loans to loans | 0.0164% | 4,642 |
| Net loans and leases to total assets | 66.3334% | 3,063 |
| Net loans and leases to deposits | 86.8590% | 2,150 |
| Net loans and leases to core deposits | 87.5588% | 2,845 |
| Total domestic deposits to total assets | 76.3691% | 4,628 |
| Equity capital to assets | 18.1987% | 360 |
| Core capital (leverage) ratio | 17.6941% | 362 |
| Tier 1 risk-based capital ratio | 24.0098% | 845 |
| Total risk-based capital ratio | 25.0320% | 850 |
| Memoranda: | ||
| Average total assets | $87,474,670 | 4,259 |
| Average earning assets | $82,472,330 | 4,230 |
| Average equity | $14,784,670 | 3,696 |
| Average total loans | $54,576,330 | 4,161 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 4,142 |
| Cost of funding earning assets | 0.2159% | 5,084 |
| Net interest margin | 3.8772% | 2,260 |
| Noninterest income to average assets | 0.8554% | 1,158 |
| Noninterest expense to average assets | 2.5307% | 3,417 |
| Loan and lease loss provision to assets | 0.8775% | 107 |
| Net operating income to assets | 1.0415% | 2,689 |
| Return on assets (ROA) | 1.0415% | 2,731 |
| Pretax return on assets | 1.1080% | 3,123 |
| Return on Equity (ROE) | 6.3846% | 3,882 |
| Retained earnings to average equity (ytd only) | -0.0815% | 4,539 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0353% | 4,332 |
| Assets per employee ($millions) | 3.8043% | 4,185 |
| Cash dividends to net income (ytd only)* | 101.2766% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1530% | 2,830 |
| Loan loss allowance to noncurrent loans | 6,290.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 4,817 |
| Noncurrent loans to loans | 0.0183% | 4,698 |
| Net loans and leases to total assets | 61.6300% | 3,538 |
| Net loans and leases to deposits | 78.4649% | 3,013 |
| Net loans and leases to core deposits | 79.0399% | 3,445 |
| Total domestic deposits to total assets | 78.5447% | 4,424 |
| Equity capital to assets | 16.8632% | 463 |
| Core capital (leverage) ratio | 16.8641% | 437 |
| Tier 1 risk-based capital ratio | 23.7602% | 862 |
| Total risk-based capital ratio | 24.7733% | 861 |
| Memoranda: | ||
| Average total assets | $90,253,000 | 4,263 |
| Average earning assets | $85,216,500 | 4,237 |
| Average equity | $14,723,000 | 3,719 |
| Average total loans | $54,379,500 | 4,202 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7547% | 4,580 |
| Cost of funding earning assets | 0.1926% | 5,032 |
| Net interest margin | 3.5621% | 3,506 |
| Noninterest income to average assets | 0.8254% | 1,384 |
| Noninterest expense to average assets | 2.5453% | 3,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5787% | 929 |
| Return on assets (ROA) | 1.5787% | 918 |
| Pretax return on assets | 1.6487% | 1,318 |
| Return on Equity (ROE) | 10.3049% | 2,392 |
| Retained earnings to average equity (ytd only) | 5.8593% | 2,262 |
| Net charge-offs to loans | 0.0519% | 2,415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 56.6667% | 1,059 |
| Efficiency ratio | 60.6886% | 3,750 |
| Assets per employee ($millions) | 4.0438% | 3,837 |
| Cash dividends to net income (ytd only)* | 43.1399% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7951% | 4,551 |
| Loan loss allowance to noncurrent loans | 3,315.3846% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 4,826 |
| Noncurrent loans to loans | 0.0240% | 4,673 |
| Net loans and leases to total assets | 57.8165% | 3,986 |
| Net loans and leases to deposits | 72.6656% | 3,612 |
| Net loans and leases to core deposits | 73.1599% | 3,914 |
| Total domestic deposits to total assets | 79.5652% | 4,198 |
| Equity capital to assets | 15.7954% | 566 |
| Core capital (leverage) ratio | 16.4820% | 460 |
| Tier 1 risk-based capital ratio | 23.8861% | 834 |
| Total risk-based capital ratio | 24.5836% | 856 |
| Memoranda: | ||
| Average total assets | $92,799,800 | 4,219 |
| Average earning assets | $87,757,600 | 4,190 |
| Average equity | $14,216,600 | 3,725 |
| Average total loans | $52,059,400 | 4,263 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6757% | 4,694 |
| Cost of funding earning assets | 0.1868% | 5,068 |
| Net interest margin | 3.4890% | 3,728 |
| Noninterest income to average assets | 0.7605% | 1,627 |
| Noninterest expense to average assets | 2.4827% | 3,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5166% | 1,157 |
| Return on assets (ROA) | 1.5166% | 1,152 |
| Pretax return on assets | 1.5813% | 1,632 |
| Return on Equity (ROE) | 9.9775% | 2,633 |
| Retained earnings to average equity (ytd only) | 5.4948% | 2,954 |
| Net charge-offs to loans | 0.0699% | 1,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 40.7397% | 1,338 |
| Efficiency ratio | 61.0895% | 3,650 |
| Assets per employee ($millions) | 3.8020% | 4,166 |
| Cash dividends to net income (ytd only)* | 44.9287% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8109% | 4,574 |
| Loan loss allowance to noncurrent loans | 3,078.5714% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 4,920 |
| Noncurrent loans to loans | 0.0263% | 4,776 |
| Net loans and leases to total assets | 60.2909% | 3,817 |
| Net loans and leases to deposits | 76.5518% | 3,368 |
| Net loans and leases to core deposits | 77.1116% | 3,730 |
| Total domestic deposits to total assets | 78.7583% | 4,370 |
| Equity capital to assets | 16.4330% | 467 |
| Core capital (leverage) ratio | 16.1541% | 498 |
| Tier 1 risk-based capital ratio | 24.0028% | 846 |
| Total risk-based capital ratio | 24.7159% | 874 |
| Memoranda: | ||
| Average total assets | $92,747,750 | 4,270 |
| Average earning assets | $87,816,750 | 4,227 |
| Average equity | $14,098,000 | 3,763 |
| Average total loans | $51,523,000 | 4,327 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5636% | 4,826 |
| Cost of funding earning assets | 0.1865% | 5,092 |
| Net interest margin | 3.3771% | 4,028 |
| Noninterest income to average assets | 0.7576% | 1,618 |
| Noninterest expense to average assets | 2.4758% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4030% | 1,432 |
| Return on assets (ROA) | 1.4030% | 1,432 |
| Pretax return on assets | 1.4622% | 1,950 |
| Return on Equity (ROE) | 9.4665% | 2,817 |
| Retained earnings to average equity (ytd only) | 4.9545% | 3,098 |
| Net charge-offs to loans | 0.1059% | 1,304 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 25.5926% | 1,636 |
| Efficiency ratio | 62.8694% | 3,505 |
| Assets per employee ($millions) | 4.0622% | 3,795 |
| Cash dividends to net income (ytd only)* | 47.6621% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 4,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 54.3620% | 4,307 |
| Net loans and leases to deposits | 67.6168% | 4,038 |
| Net loans and leases to core deposits | 68.0699% | 4,250 |
| Total domestic deposits to total assets | 80.3973% | 4,156 |
| Equity capital to assets | 15.1524% | 661 |
| Core capital (leverage) ratio | 15.3168% | 611 |
| Tier 1 risk-based capital ratio | 23.8780% | 846 |
| Total risk-based capital ratio | 24.5989% | 884 |
| Memoranda: | ||
| Average total assets | $94,515,000 | 4,271 |
| Average earning assets | $89,012,330 | 4,241 |
| Average equity | $14,007,330 | 3,796 |
| Average total loans | $50,979,670 | 4,377 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4973% | 4,881 |
| Cost of funding earning assets | 0.1930% | 5,054 |
| Net interest margin | 3.3043% | 4,180 |
| Noninterest income to average assets | 0.9510% | 1,018 |
| Noninterest expense to average assets | 2.3060% | 4,181 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6706% | 730 |
| Return on assets (ROA) | 1.6706% | 734 |
| Pretax return on assets | 1.7421% | 1,022 |
| Return on Equity (ROE) | 11.3978% | 1,804 |
| Retained earnings to average equity (ytd only) | 6.8617% | 2,344 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9647% | 4,470 |
| Assets per employee ($millions) | 4.1103% | 3,785 |
| Cash dividends to net income (ytd only)* | 39.7985% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 4,246 |
| Loan loss allowance to noncurrent loans | 954.1667% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.0508% | 4,847 |
| Noncurrent loans to loans | 0.0990% | 4,526 |
| Net loans and leases to total assets | 50.8182% | 4,509 |
| Net loans and leases to deposits | 63.0084% | 4,274 |
| Net loans and leases to core deposits | 63.4243% | 4,456 |
| Total domestic deposits to total assets | 80.6531% | 4,284 |
| Equity capital to assets | 14.8577% | 707 |
| Core capital (leverage) ratio | 14.4025% | 785 |
| Tier 1 risk-based capital ratio | 25.2721% | 735 |
| Total risk-based capital ratio | 26.0892% | 747 |
| Memoranda: | ||
| Average total assets | $95,057,000 | 4,305 |
| Average earning assets | $89,096,500 | 4,282 |
| Average equity | $13,932,500 | 3,837 |
| Average total loans | $50,858,500 | 4,425 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4721% | 4,825 |
| Cost of funding earning assets | 0.1876% | 5,044 |
| Net interest margin | 3.2845% | 4,205 |
| Noninterest income to average assets | 0.8189% | 1,505 |
| Noninterest expense to average assets | 2.5964% | 3,459 |
| Loan and lease loss provision to assets | 0.0325% | 3,620 |
| Net operating income to assets | 1.2084% | 1,496 |
| Return on assets (ROA) | 1.2095% | 1,518 |
| Pretax return on assets | 1.2603% | 2,505 |
| Return on Equity (ROE) | 8.2032% | 2,696 |
| Retained earnings to average equity (ytd only) | 3.5660% | 3,141 |
| Net charge-offs to loans | 0.0019% | 4,049 |
| Credit loss provision to net charge-offs | 3,000.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 1,194.0000% | 59 |
| Efficiency ratio | 66.7780% | 3,117 |
| Assets per employee ($millions) | 3.9824% | 3,991 |
| Cash dividends to net income (ytd only)* | 56.5295% | 1,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8606% | 4,631 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.2005% | 4,255 |
| Net loans and leases to deposits | 69.3577% | 3,923 |
| Net loans and leases to core deposits | 69.8166% | 4,186 |
| Total domestic deposits to total assets | 79.5882% | 4,420 |
| Equity capital to assets | 14.4585% | 792 |
| Core capital (leverage) ratio | 14.9193% | 638 |
| Tier 1 risk-based capital ratio | 21.9501% | 1,024 |
| Total risk-based capital ratio | 22.6720% | 1,058 |
| Memoranda: | ||
| Average total assets | $92,436,800 | 4,385 |
| Average earning assets | $86,374,800 | 4,356 |
| Average equity | $13,628,800 | 3,894 |
| Average total loans | $52,399,200 | 4,401 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4462% | 4,897 |
| Cost of funding earning assets | 0.1862% | 5,086 |
| Net interest margin | 3.2600% | 4,297 |
| Noninterest income to average assets | 0.8016% | 1,576 |
| Noninterest expense to average assets | 2.5633% | 3,524 |
| Loan and lease loss provision to assets | 0.0436% | 3,230 |
| Net operating income to assets | 1.2016% | 1,683 |
| Return on assets (ROA) | 1.2016% | 1,718 |
| Pretax return on assets | 1.2511% | 2,702 |
| Return on Equity (ROE) | 8.1090% | 3,075 |
| Retained earnings to average equity (ytd only) | 3.4556% | 3,873 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4404% | 3,134 |
| Assets per employee ($millions) | 3.7650% | 4,348 |
| Cash dividends to net income (ytd only)* | 57.3844% | 1,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8470% | 4,769 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 59.4659% | 3,926 |
| Net loans and leases to deposits | 76.3300% | 3,345 |
| Net loans and leases to core deposits | 76.8760% | 3,735 |
| Total domestic deposits to total assets | 77.9064% | 4,746 |
| Equity capital to assets | 15.2278% | 688 |
| Core capital (leverage) ratio | 15.1481% | 632 |
| Tier 1 risk-based capital ratio | 20.7079% | 1,245 |
| Total risk-based capital ratio | 21.3972% | 1,302 |
| Memoranda: | ||
| Average total assets | $91,651,750 | 4,436 |
| Average earning assets | $85,929,500 | 4,406 |
| Average equity | $13,581,250 | 3,936 |
| Average total loans | $52,194,750 | 4,440 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3866% | 4,987 |
| Cost of funding earning assets | 0.1837% | 5,109 |
| Net interest margin | 3.2028% | 4,413 |
| Noninterest income to average assets | 0.8188% | 1,502 |
| Noninterest expense to average assets | 2.5760% | 3,503 |
| Loan and lease loss provision to assets | 0.0652% | 2,668 |
| Net operating income to assets | 1.1316% | 1,848 |
| Return on assets (ROA) | 1.1316% | 1,898 |
| Pretax return on assets | 1.1685% | 2,906 |
| Return on Equity (ROE) | 7.7061% | 3,192 |
| Retained earnings to average equity (ytd only) | 3.0322% | 3,910 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6169% | 3,077 |
| Assets per employee ($millions) | 3.8355% | 4,220 |
| Cash dividends to net income (ytd only)* | 60.6526% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8707% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 56.7684% | 4,150 |
| Net loans and leases to deposits | 72.4112% | 3,695 |
| Net loans and leases to core deposits | 72.9164% | 4,025 |
| Total domestic deposits to total assets | 78.3972% | 4,750 |
| Equity capital to assets | 14.7915% | 748 |
| Core capital (leverage) ratio | 14.5899% | 721 |
| Tier 1 risk-based capital ratio | 20.4632% | 1,278 |
| Total risk-based capital ratio | 21.1517% | 1,351 |
| Memoranda: | ||
| Average total assets | $92,082,000 | 4,464 |
| Average earning assets | $85,987,000 | 4,434 |
| Average equity | $13,521,670 | 3,956 |
| Average total loans | $51,528,670 | 4,474 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3006% | 5,099 |
| Cost of funding earning assets | 0.1826% | 5,134 |
| Net interest margin | 3.1180% | 4,608 |
| Noninterest income to average assets | 1.0684% | 877 |
| Noninterest expense to average assets | 2.3541% | 4,249 |
| Loan and lease loss provision to assets | 0.0651% | 2,498 |
| Net operating income to assets | 1.5115% | 789 |
| Return on assets (ROA) | 1.5115% | 818 |
| Pretax return on assets | 1.5419% | 1,409 |
| Return on Equity (ROE) | 10.3306% | 1,812 |
| Retained earnings to average equity (ytd only) | 5.6403% | 2,524 |
| Net charge-offs to loans | 0.0079% | 2,700 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 370.0000% | 160 |
| Efficiency ratio | 59.4298% | 4,540 |
| Assets per employee ($millions) | 3.9836% | 4,039 |
| Cash dividends to net income (ytd only)* | 45.4023% | 1,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8591% | 4,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 53.5939% | 4,371 |
| Net loans and leases to deposits | 67.1459% | 4,077 |
| Net loans and leases to core deposits | 67.5887% | 4,323 |
| Total domestic deposits to total assets | 79.8172% | 4,655 |
| Equity capital to assets | 14.2167% | 844 |
| Core capital (leverage) ratio | 14.4879% | 716 |
| Tier 1 risk-based capital ratio | 20.7069% | 1,264 |
| Total risk-based capital ratio | 21.3816% | 1,334 |
| Memoranda: | ||
| Average total assets | $92,096,500 | 4,499 |
| Average earning assets | $85,439,500 | 4,486 |
| Average equity | $13,474,500 | 3,991 |
| Average total loans | $50,935,000 | 4,531 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3256% | 5,122 |
| Cost of funding earning assets | 0.1867% | 5,141 |
| Net interest margin | 3.1388% | 4,616 |
| Noninterest income to average assets | 0.9325% | 1,312 |
| Noninterest expense to average assets | 2.6275% | 3,596 |
| Loan and lease loss provision to assets | 0.0228% | 3,917 |
| Net operating income to assets | 1.1300% | 1,777 |
| Return on assets (ROA) | 1.1300% | 1,869 |
| Pretax return on assets | 1.1791% | 2,764 |
| Return on Equity (ROE) | 7.5561% | 3,189 |
| Retained earnings to average equity (ytd only) | 5.7625% | 1,845 |
| Net charge-offs to loans | 0.0021% | 4,205 |
| Credit loss provision to net charge-offs | 2,000.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 1,053.0000% | 73 |
| Efficiency ratio | 68.6140% | 3,146 |
| Assets per employee ($millions) | 3.6911% | 4,493 |
| Cash dividends to net income (ytd only)* | 23.7374% | 3,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8548% | 4,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 56.1685% | 4,253 |
| Net loans and leases to deposits | 69.7233% | 3,935 |
| Net loans and leases to core deposits | 70.2152% | 4,222 |
| Total domestic deposits to total assets | 80.5592% | 4,436 |
| Equity capital to assets | 15.0778% | 631 |
| Core capital (leverage) ratio | 15.4465% | 535 |
| Tier 1 risk-based capital ratio | 21.4125% | 1,149 |
| Total risk-based capital ratio | 22.0960% | 1,212 |
| Memoranda: | ||
| Average total assets | $87,610,800 | 4,595 |
| Average earning assets | $80,858,000 | 4,575 |
| Average equity | $13,102,000 | 4,080 |
| Average total loans | $48,571,400 | 4,615 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3275% | 5,174 |
| Cost of funding earning assets | 0.1872% | 5,204 |
| Net interest margin | 3.1403% | 4,673 |
| Noninterest income to average assets | 0.8394% | 1,609 |
| Noninterest expense to average assets | 2.5760% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1186% | 1,923 |
| Return on assets (ROA) | 1.1186% | 2,029 |
| Pretax return on assets | 1.1568% | 3,016 |
| Return on Equity (ROE) | 7.4957% | 3,300 |
| Retained earnings to average equity (ytd only) | 5.8084% | 2,295 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0106% | 3,040 |
| Assets per employee ($millions) | 3.5165% | 4,754 |
| Cash dividends to net income (ytd only)* | 22.5097% | 3,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8197% | 5,131 |
| Loan loss allowance to noncurrent loans | 20,500.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,536 |
| Noncurrent loans to loans | 0.0040% | 5,410 |
| Net loans and leases to total assets | 58.7789% | 4,020 |
| Net loans and leases to deposits | 75.9516% | 3,403 |
| Net loans and leases to core deposits | 76.5375% | 3,786 |
| Total domestic deposits to total assets | 77.3899% | 5,016 |
| Equity capital to assets | 15.7898% | 586 |
| Core capital (leverage) ratio | 15.8554% | 501 |
| Tier 1 risk-based capital ratio | 21.3533% | 1,214 |
| Total risk-based capital ratio | 22.0143% | 1,284 |
| Memoranda: | ||
| Average total assets | $87,366,750 | 4,628 |
| Average earning assets | $80,499,000 | 4,616 |
| Average equity | $13,038,250 | 4,114 |
| Average total loans | $48,167,500 | 4,668 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 5,325 |
| Cost of funding earning assets | 0.1884% | 5,250 |
| Net interest margin | 3.0910% | 4,857 |
| Noninterest income to average assets | 0.8307% | 1,609 |
| Noninterest expense to average assets | 2.6031% | 3,715 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0299% | 2,252 |
| Return on assets (ROA) | 1.0299% | 2,388 |
| Pretax return on assets | 1.0503% | 3,395 |
| Return on Equity (ROE) | 7.0312% | 3,520 |
| Retained earnings to average equity (ytd only) | 5.5631% | 2,386 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2515% | 2,780 |
| Assets per employee ($millions) | 3.4900% | 4,764 |
| Cash dividends to net income (ytd only)* | 20.8791% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 5,132 |
| Loan loss allowance to noncurrent loans | 20,500.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,633 |
| Noncurrent loans to loans | 0.0041% | 5,499 |
| Net loans and leases to total assets | 57.1824% | 4,200 |
| Net loans and leases to deposits | 71.5870% | 3,822 |
| Net loans and leases to core deposits | 72.1260% | 4,164 |
| Total domestic deposits to total assets | 79.8782% | 4,574 |
| Equity capital to assets | 15.7510% | 584 |
| Core capital (leverage) ratio | 15.2748% | 559 |
| Tier 1 risk-based capital ratio | 21.7680% | 1,161 |
| Total risk-based capital ratio | 22.4527% | 1,221 |
| Memoranda: | ||
| Average total assets | $88,357,000 | 4,652 |
| Average earning assets | $80,685,000 | 4,650 |
| Average equity | $12,942,330 | 4,156 |
| Average total loans | $47,551,000 | 4,722 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2198% | 5,458 |
| Cost of funding earning assets | 0.1917% | 5,269 |
| Net interest margin | 3.0281% | 5,049 |
| Noninterest income to average assets | 0.9972% | 1,080 |
| Noninterest expense to average assets | 2.3606% | 4,490 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3325% | 1,182 |
| Return on assets (ROA) | 1.3325% | 1,262 |
| Pretax return on assets | 1.3546% | 2,071 |
| Return on Equity (ROE) | 9.4250% | 2,225 |
| Retained earnings to average equity (ytd only) | 8.6448% | 1,213 |
| Net charge-offs to loans | 0.0085% | 2,843 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 307.0000% | 194 |
| Efficiency ratio | 63.5392% | 4,204 |
| Assets per employee ($millions) | 3.6267% | 4,596 |
| Cash dividends to net income (ytd only)* | 8.2781% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8739% | 5,139 |
| Loan loss allowance to noncurrent loans | 13,666.6667% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 5,671 |
| Noncurrent loans to loans | 0.0064% | 5,500 |
| Net loans and leases to total assets | 53.4323% | 4,501 |
| Net loans and leases to deposits | 68.5251% | 4,002 |
| Net loans and leases to core deposits | 69.0337% | 4,319 |
| Total domestic deposits to total assets | 77.9747% | 5,151 |
| Equity capital to assets | 14.9424% | 706 |
| Core capital (leverage) ratio | 14.7848% | 646 |
| Tier 1 risk-based capital ratio | 21.2506% | 1,273 |
| Total risk-based capital ratio | 21.9231% | 1,345 |
| Memoranda: | ||
| Average total assets | $90,655,500 | 4,644 |
| Average earning assets | $81,372,500 | 4,672 |
| Average equity | $12,817,000 | 4,189 |
| Average total loans | $47,173,500 | 4,758 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8090% | 5,871 |
| Cost of funding earning assets | 0.2000% | 5,288 |
| Net interest margin | 2.6091% | 5,746 |
| Noninterest income to average assets | 0.7876% | 1,835 |
| Noninterest expense to average assets | 2.6257% | 3,836 |
| Loan and lease loss provision to assets | 0.0783% | 2,719 |
| Net operating income to assets | 0.4912% | 4,728 |
| Return on assets (ROA) | 0.4922% | 4,815 |
| Pretax return on assets | 0.5225% | 5,059 |
| Return on Equity (ROE) | 3.5238% | 5,135 |
| Retained earnings to average equity (ytd only) | 2.7229% | 4,132 |
| Net charge-offs to loans | -0.0146% | 5,198 |
| Credit loss provision to net charge-offs | -1,166.6667% | 5,577 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4083% | 1,490 |
| Assets per employee ($millions) | 3.9279% | 4,068 |
| Cash dividends to net income (ytd only)* | 22.7273% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8645% | 5,217 |
| Loan loss allowance to noncurrent loans | 10,250.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,703 |
| Noncurrent loans to loans | 0.0084% | 5,506 |
| Net loans and leases to total assets | 49.8769% | 4,881 |
| Net loans and leases to deposits | 61.8199% | 4,644 |
| Net loans and leases to core deposits | 62.2290% | 4,863 |
| Total domestic deposits to total assets | 80.6810% | 4,573 |
| Equity capital to assets | 13.3956% | 1,167 |
| Core capital (leverage) ratio | 14.4486% | 724 |
| Tier 1 risk-based capital ratio | 20.2597% | 1,433 |
| Total risk-based capital ratio | 20.9146% | 1,523 |
| Memoranda: | ||
| Average total assets | $89,386,000 | 4,691 |
| Average earning assets | $83,516,600 | 4,647 |
| Average equity | $12,486,600 | 4,222 |
| Average total loans | $41,026,400 | 4,963 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6976% | 6,021 |
| Cost of funding earning assets | 0.1991% | 5,381 |
| Net interest margin | 2.4985% | 5,909 |
| Noninterest income to average assets | 0.7713% | 1,926 |
| Noninterest expense to average assets | 2.6253% | 3,780 |
| Loan and lease loss provision to assets | 0.0907% | 2,356 |
| Net operating income to assets | 0.4129% | 5,119 |
| Return on assets (ROA) | 0.4129% | 5,210 |
| Pretax return on assets | 0.4461% | 5,359 |
| Return on Equity (ROE) | 2.9233% | 5,414 |
| Retained earnings to average equity (ytd only) | 2.1202% | 4,825 |
| Net charge-offs to loans | -0.0203% | 5,216 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0225% | 1,268 |
| Assets per employee ($millions) | 3.4296% | 4,926 |
| Cash dividends to net income (ytd only)* | 27.4733% | 2,929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8900% | 5,239 |
| Loan loss allowance to noncurrent loans | 8,000.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,786 |
| Noncurrent loans to loans | 0.0111% | 5,597 |
| Net loans and leases to total assets | 51.9541% | 4,765 |
| Net loans and leases to deposits | 67.9034% | 4,198 |
| Net loans and leases to core deposits | 68.4249% | 4,507 |
| Total domestic deposits to total assets | 76.5118% | 5,413 |
| Equity capital to assets | 14.6931% | 808 |
| Core capital (leverage) ratio | 14.4506% | 749 |
| Tier 1 risk-based capital ratio | 20.6358% | 1,416 |
| Total risk-based capital ratio | 21.2944% | 1,502 |
| Memoranda: | ||
| Average total assets | $88,165,000 | 4,764 |
| Average earning assets | $84,367,750 | 4,680 |
| Average equity | $12,451,250 | 4,275 |
| Average total loans | $39,425,750 | 5,089 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5318% | 6,150 |
| Cost of funding earning assets | 0.1966% | 5,466 |
| Net interest margin | 2.3353% | 6,081 |
| Noninterest income to average assets | 0.7530% | 1,982 |
| Noninterest expense to average assets | 2.5873% | 3,947 |
| Loan and lease loss provision to assets | 0.0562% | 2,980 |
| Net operating income to assets | 0.3125% | 5,403 |
| Return on assets (ROA) | 0.3125% | 5,495 |
| Pretax return on assets | 0.3529% | 5,564 |
| Return on Equity (ROE) | 2.2415% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.4352% | 4,976 |
| Net charge-offs to loans | -0.0106% | 4,938 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3466% | 1,034 |
| Assets per employee ($millions) | 3.5759% | 4,667 |
| Cash dividends to net income (ytd only)* | 35.9712% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8868% | 5,350 |
| Loan loss allowance to noncurrent loans | 5,157.1429% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 5,868 |
| Noncurrent loans to loans | 0.0172% | 5,694 |
| Net loans and leases to total assets | 45.1324% | 5,310 |
| Net loans and leases to deposits | 58.8423% | 4,938 |
| Net loans and leases to core deposits | 59.2745% | 5,118 |
| Total domestic deposits to total assets | 76.7006% | 5,499 |
| Equity capital to assets | 13.9087% | 1,010 |
| Core capital (leverage) ratio | 13.6700% | 936 |
| Tier 1 risk-based capital ratio | 21.0833% | 1,344 |
| Total risk-based capital ratio | 21.6956% | 1,435 |
| Memoranda: | ||
| Average total assets | $88,973,000 | 4,790 |
| Average earning assets | $85,472,000 | 4,695 |
| Average equity | $12,402,330 | 4,302 |
| Average total loans | $37,585,670 | 5,200 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4349% | 6,247 |
| Cost of funding earning assets | 0.1970% | 5,542 |
| Net interest margin | 2.2379% | 6,187 |
| Noninterest income to average assets | 0.8968% | 1,393 |
| Noninterest expense to average assets | 2.6363% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3695% | 5,188 |
| Return on assets (ROA) | 0.3695% | 5,310 |
| Pretax return on assets | 0.4101% | 5,410 |
| Return on Equity (ROE) | 2.6480% | 5,493 |
| Retained earnings to average equity (ytd only) | 1.8407% | 4,732 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5385% | 1,132 |
| Assets per employee ($millions) | 3.6999% | 4,516 |
| Cash dividends to net income (ytd only)* | 30.4878% | 2,325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9332% | 5,324 |
| Loan loss allowance to noncurrent loans | 927.7778% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 5,781 |
| Noncurrent loans to loans | 0.1006% | 5,395 |
| Net loans and leases to total assets | 38.3331% | 5,707 |
| Net loans and leases to deposits | 48.6880% | 5,533 |
| Net loans and leases to core deposits | 49.0245% | 5,634 |
| Total domestic deposits to total assets | 78.7323% | 5,312 |
| Equity capital to assets | 13.4588% | 1,187 |
| Core capital (leverage) ratio | 13.2025% | 1,088 |
| Tier 1 risk-based capital ratio | 23.9411% | 1,000 |
| Total risk-based capital ratio | 24.5862% | 1,043 |
| Memoranda: | ||
| Average total assets | $88,761,000 | 4,842 |
| Average earning assets | $85,260,000 | 4,738 |
| Average equity | $12,386,500 | 4,339 |
| Average total loans | $36,024,500 | 5,298 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4693% | 6,335 |
| Cost of funding earning assets | 0.2053% | 5,702 |
| Net interest margin | 2.2640% | 6,283 |
| Noninterest income to average assets | 0.8753% | 1,585 |
| Noninterest expense to average assets | 2.5089% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4658% | 4,940 |
| Return on assets (ROA) | 0.4658% | 5,043 |
| Pretax return on assets | 0.4759% | 5,309 |
| Return on Equity (ROE) | 3.4054% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.7474% | 4,286 |
| Net charge-offs to loans | 0.0460% | 3,911 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 26.4375% | 1,464 |
| Efficiency ratio | 84.0558% | 1,404 |
| Assets per employee ($millions) | 3.5427% | 4,835 |
| Cash dividends to net income (ytd only)* | 19.3237% | 3,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9212% | 5,399 |
| Loan loss allowance to noncurrent loans | 1,855.5556% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 5,959 |
| Noncurrent loans to loans | 0.0496% | 5,682 |
| Net loans and leases to total assets | 42.2511% | 5,598 |
| Net loans and leases to deposits | 54.0658% | 5,326 |
| Net loans and leases to core deposits | 54.0658% | 5,500 |
| Total domestic deposits to total assets | 78.1476% | 5,409 |
| Equity capital to assets | 14.4946% | 814 |
| Core capital (leverage) ratio | 14.0502% | 804 |
| Tier 1 risk-based capital ratio | 28.4949% | 595 |
| Total risk-based capital ratio | 29.2662% | 601 |
| Memoranda: | ||
| Average total assets | $88,884,200 | 4,864 |
| Average earning assets | $82,816,200 | 4,827 |
| Average equity | $12,157,000 | 4,326 |
| Average total loans | $34,784,600 | 5,371 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4478% | 6,420 |
| Cost of funding earning assets | 0.2084% | 5,760 |
| Net interest margin | 2.2394% | 6,367 |
| Noninterest income to average assets | 0.7984% | 1,902 |
| Noninterest expense to average assets | 2.4796% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3829% | 5,311 |
| Return on assets (ROA) | 0.3829% | 5,390 |
| Pretax return on assets | 0.3918% | 5,595 |
| Return on Equity (ROE) | 2.8393% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.1790% | 4,970 |
| Net charge-offs to loans | 0.0697% | 3,202 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 14.6663% | 2,127 |
| Efficiency ratio | 86.3566% | 1,151 |
| Assets per employee ($millions) | 3.7442% | 4,411 |
| Cash dividends to net income (ytd only)* | 23.2565% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 5,475 |
| Loan loss allowance to noncurrent loans | 1,509.0909% | 392 |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 6,071 |
| Noncurrent loans to loans | 0.0621% | 5,766 |
| Net loans and leases to total assets | 40.7237% | 5,773 |
| Net loans and leases to deposits | 51.9063% | 5,532 |
| Net loans and leases to core deposits | 52.3714% | 5,667 |
| Total domestic deposits to total assets | 78.4561% | 5,442 |
| Equity capital to assets | 14.2004% | 938 |
| Core capital (leverage) ratio | 13.8752% | 877 |
| Tier 1 risk-based capital ratio | 28.5644% | 605 |
| Total risk-based capital ratio | 29.3414% | 622 |
| Memoranda: | ||
| Average total assets | $89,849,000 | 4,898 |
| Average earning assets | $83,174,750 | 4,862 |
| Average equity | $12,115,250 | 4,364 |
| Average total loans | $34,416,250 | 5,434 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3593% | 6,512 |
| Cost of funding earning assets | 0.2095% | 5,829 |
| Net interest margin | 2.1498% | 6,473 |
| Noninterest income to average assets | 0.7531% | 2,031 |
| Noninterest expense to average assets | 2.4173% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3140% | 5,520 |
| Return on assets (ROA) | 0.3140% | 5,597 |
| Pretax return on assets | 0.3184% | 5,750 |
| Return on Equity (ROE) | 2.3681% | 5,742 |
| Retained earnings to average equity (ytd only) | 1.7057% | 5,050 |
| Net charge-offs to loans | 0.0469% | 3,308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 18.1250% | 1,700 |
| Efficiency ratio | 88.3628% | 1,052 |
| Assets per employee ($millions) | 3.7587% | 4,336 |
| Cash dividends to net income (ytd only)* | 27.9720% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 5,453 |
| Loan loss allowance to noncurrent loans | 1,425.0000% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 6,135 |
| Noncurrent loans to loans | 0.0685% | 5,820 |
| Net loans and leases to total assets | 38.4651% | 5,925 |
| Net loans and leases to deposits | 48.7065% | 5,729 |
| Net loans and leases to core deposits | 48.7065% | 5,863 |
| Total domestic deposits to total assets | 78.9733% | 5,465 |
| Equity capital to assets | 13.4621% | 1,177 |
| Core capital (leverage) ratio | 13.4219% | 1,004 |
| Tier 1 risk-based capital ratio | 28.1066% | 638 |
| Total risk-based capital ratio | 28.9003% | 650 |
| Memoranda: | ||
| Average total assets | $91,093,000 | 4,906 |
| Average earning assets | $84,008,670 | 4,867 |
| Average equity | $12,077,330 | 4,380 |
| Average total loans | $34,087,670 | 5,486 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3094% | 6,599 |
| Cost of funding earning assets | 0.2108% | 5,912 |
| Net interest margin | 2.0986% | 6,560 |
| Noninterest income to average assets | 0.9483% | 1,260 |
| Noninterest expense to average assets | 2.4865% | 4,664 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3714% | 5,225 |
| Return on assets (ROA) | 0.3714% | 5,292 |
| Pretax return on assets | 0.3758% | 5,524 |
| Return on Equity (ROE) | 2.8230% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.1588% | 4,742 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8702% | 1,353 |
| Assets per employee ($millions) | 3.9670% | 4,011 |
| Cash dividends to net income (ytd only)* | 23.5294% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0920% | 5,155 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 6,209 |
| Noncurrent loans to loans | 0.0840% | 5,884 |
| Net loans and leases to total assets | 33.3932% | 6,207 |
| Net loans and leases to deposits | 41.6821% | 6,092 |
| Net loans and leases to core deposits | 41.6821% | 6,167 |
| Total domestic deposits to total assets | 80.1141% | 5,462 |
| Equity capital to assets | 12.6849% | 1,465 |
| Core capital (leverage) ratio | 13.1730% | 1,099 |
| Tier 1 risk-based capital ratio | 29.7890% | 537 |
| Total risk-based capital ratio | 30.6552% | 545 |
| Memoranda: | ||
| Average total assets | $91,535,000 | 4,922 |
| Average earning assets | $83,483,500 | 4,931 |
| Average equity | $12,044,000 | 4,412 |
| Average total loans | $33,611,000 | 5,566 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5523% | 6,600 |
| Cost of funding earning assets | 0.2419% | 6,018 |
| Net interest margin | 2.3104% | 6,518 |
| Noninterest income to average assets | 0.8093% | 2,036 |
| Noninterest expense to average assets | 2.5261% | 4,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4053% | 5,129 |
| Return on assets (ROA) | 0.4053% | 5,238 |
| Pretax return on assets | 0.4251% | 5,425 |
| Return on Equity (ROE) | 2.9171% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.2446% | 4,651 |
| Net charge-offs to loans | 0.0202% | 5,032 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 771 |
| Efficiency ratio | 85.5956% | 1,456 |
| Assets per employee ($millions) | 3.6609% | 4,563 |
| Cash dividends to net income (ytd only)* | 23.0548% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 5,562 |
| Loan loss allowance to noncurrent loans | 1,595.4545% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 6,320 |
| Noncurrent loans to loans | 0.0627% | 6,038 |
| Net loans and leases to total assets | 39.5245% | 5,997 |
| Net loans and leases to deposits | 49.7850% | 5,787 |
| Net loans and leases to core deposits | 49.7850% | 5,952 |
| Total domestic deposits to total assets | 79.3904% | 5,579 |
| Equity capital to assets | 13.6703% | 1,001 |
| Core capital (leverage) ratio | 14.1399% | 791 |
| Tier 1 risk-based capital ratio | 27.5858% | 635 |
| Total risk-based capital ratio | 28.3922% | 653 |
| Memoranda: | ||
| Average total assets | $85,625,600 | 5,095 |
| Average earning assets | $79,379,800 | 5,054 |
| Average equity | $11,895,400 | 4,460 |
| Average total loans | $34,596,800 | 5,557 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5334% | 6,684 |
| Cost of funding earning assets | 0.2488% | 6,095 |
| Net interest margin | 2.2846% | 6,597 |
| Noninterest income to average assets | 0.7743% | 2,263 |
| Noninterest expense to average assets | 2.5344% | 4,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3574% | 5,411 |
| Return on assets (ROA) | 0.3574% | 5,542 |
| Pretax return on assets | 0.3699% | 5,705 |
| Return on Equity (ROE) | 2.5617% | 5,764 |
| Retained earnings to average equity (ytd only) | 1.8876% | 5,189 |
| Net charge-offs to loans | -0.0077% | 5,844 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2639% | 1,234 |
| Assets per employee ($millions) | 3.5200% | 4,808 |
| Cash dividends to net income (ytd only)* | 26.3167% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9992% | 5,722 |
| Loan loss allowance to noncurrent loans | 201.6854% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 5,788 |
| Noncurrent loans to loans | 0.4954% | 4,959 |
| Net loans and leases to total assets | 43.9353% | 5,730 |
| Net loans and leases to deposits | 57.0032% | 5,278 |
| Net loans and leases to core deposits | 57.0032% | 5,529 |
| Total domestic deposits to total assets | 77.0751% | 6,037 |
| Equity capital to assets | 14.7171% | 770 |
| Core capital (leverage) ratio | 14.4564% | 744 |
| Tier 1 risk-based capital ratio | 27.0587% | 702 |
| Total risk-based capital ratio | 27.8745% | 722 |
| Memoranda: | ||
| Average total assets | $85,066,500 | 5,159 |
| Average earning assets | $79,311,500 | 5,104 |
| Average equity | $11,866,500 | 4,525 |
| Average total loans | $34,476,500 | 5,611 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4539% | 6,748 |
| Cost of funding earning assets | 0.2533% | 6,153 |
| Net interest margin | 2.2006% | 6,681 |
| Noninterest income to average assets | 0.7728% | 2,311 |
| Noninterest expense to average assets | 2.4458% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3586% | 5,368 |
| Return on assets (ROA) | 0.3586% | 5,547 |
| Pretax return on assets | 0.3772% | 5,687 |
| Return on Equity (ROE) | 2.6160% | 5,753 |
| Retained earnings to average equity (ytd only) | 1.9409% | 5,037 |
| Net charge-offs to loans | -0.0177% | 5,934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6393% | 1,350 |
| Assets per employee ($millions) | 3.5099% | 4,826 |
| Cash dividends to net income (ytd only)* | 25.8065% | 2,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0599% | 5,579 |
| Loan loss allowance to noncurrent loans | 2,571.4286% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 6,495 |
| Noncurrent loans to loans | 0.0412% | 6,273 |
| Net loans and leases to total assets | 39.8929% | 6,052 |
| Net loans and leases to deposits | 51.2834% | 5,748 |
| Net loans and leases to core deposits | 51.2834% | 5,936 |
| Total domestic deposits to total assets | 77.7891% | 6,011 |
| Equity capital to assets | 13.9949% | 972 |
| Core capital (leverage) ratio | 13.7874% | 885 |
| Tier 1 risk-based capital ratio | 28.8366% | 582 |
| Total risk-based capital ratio | 29.7122% | 595 |
| Memoranda: | ||
| Average total assets | $86,435,330 | 5,141 |
| Average earning assets | $80,524,000 | 5,106 |
| Average equity | $11,850,330 | 4,565 |
| Average total loans | $33,992,330 | 5,667 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4852% | 6,815 |
| Cost of funding earning assets | 0.2663% | 6,185 |
| Net interest margin | 2.2189% | 6,748 |
| Noninterest income to average assets | 0.7860% | 2,186 |
| Noninterest expense to average assets | 2.4539% | 4,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3747% | 5,235 |
| Return on assets (ROA) | 0.3747% | 5,372 |
| Pretax return on assets | 0.3884% | 5,601 |
| Return on Equity (ROE) | 2.7607% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.0874% | 4,964 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3344% | 1,477 |
| Assets per employee ($millions) | 3.8539% | 4,248 |
| Cash dividends to net income (ytd only)* | 24.3902% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,591 |
| Loan loss allowance to noncurrent loans | 3,245.4545% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.0119% | 6,588 |
| Noncurrent loans to loans | 0.0340% | 6,392 |
| Net loans and leases to total assets | 34.5644% | 6,390 |
| Net loans and leases to deposits | 43.6480% | 6,227 |
| Net loans and leases to core deposits | 43.6480% | 6,327 |
| Total domestic deposits to total assets | 79.1889% | 5,926 |
| Equity capital to assets | 12.8711% | 1,486 |
| Core capital (leverage) ratio | 13.2921% | 1,015 |
| Tier 1 risk-based capital ratio | 29.9275% | 536 |
| Total risk-based capital ratio | 30.8328% | 549 |
| Memoranda: | ||
| Average total assets | $87,534,000 | 5,160 |
| Average earning assets | $81,119,500 | 5,119 |
| Average equity | $11,881,000 | 4,604 |
| Average total loans | $34,006,000 | 5,704 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8095% | 6,849 |
| Cost of funding earning assets | 0.3623% | 6,146 |
| Net interest margin | 2.4473% | 6,742 |
| Noninterest income to average assets | 0.7474% | 2,509 |
| Noninterest expense to average assets | 2.5797% | 4,814 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3796% | 5,183 |
| Return on assets (ROA) | 0.3796% | 5,413 |
| Pretax return on assets | 0.3995% | 5,579 |
| Return on Equity (ROE) | 2.7596% | 5,648 |
| Retained earnings to average equity (ytd only) | 1.8227% | 4,937 |
| Net charge-offs to loans | -0.0029% | 6,350 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5906% | 1,371 |
| Assets per employee ($millions) | 3.3030% | 5,417 |
| Cash dividends to net income (ytd only)* | 33.9506% | 3,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0004% | 5,956 |
| Loan loss allowance to noncurrent loans | 17,850.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 6,710 |
| Noncurrent loans to loans | 0.0056% | 6,569 |
| Net loans and leases to total assets | 42.7834% | 5,919 |
| Net loans and leases to deposits | 53.6394% | 5,682 |
| Net loans and leases to core deposits | 53.6394% | 5,902 |
| Total domestic deposits to total assets | 79.7612% | 5,727 |
| Equity capital to assets | 14.3592% | 920 |
| Core capital (leverage) ratio | 13.8171% | 851 |
| Tier 1 risk-based capital ratio | 25.1877% | 828 |
| Total risk-based capital ratio | 25.9537% | 872 |
| Memoranda: | ||
| Average total assets | $85,359,200 | 5,205 |
| Average earning assets | $77,842,400 | 5,189 |
| Average equity | $11,740,800 | 4,624 |
| Average total loans | $34,170,200 | 5,752 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7850% | 6,975 |
| Cost of funding earning assets | 0.3836% | 6,205 |
| Net interest margin | 2.4014% | 6,892 |
| Noninterest income to average assets | 0.6895% | 2,758 |
| Noninterest expense to average assets | 2.5564% | 4,893 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2866% | 5,659 |
| Return on assets (ROA) | 0.2866% | 5,862 |
| Pretax return on assets | 0.3254% | 5,906 |
| Return on Equity (ROE) | 2.1061% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.0815% | 5,737 |
| Net charge-offs to loans | -0.0079% | 6,322 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7097% | 1,134 |
| Assets per employee ($millions) | 3.4629% | 5,054 |
| Cash dividends to net income (ytd only)* | 48.6500% | 1,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0706% | 5,823 |
| Loan loss allowance to noncurrent loans | 1,491.6667% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 6,699 |
| Noncurrent loans to loans | 0.0718% | 6,440 |
| Net loans and leases to total assets | 38.2128% | 6,408 |
| Net loans and leases to deposits | 48.8468% | 6,202 |
| Net loans and leases to core deposits | 48.8468% | 6,359 |
| Total domestic deposits to total assets | 78.2299% | 6,027 |
| Equity capital to assets | 13.5978% | 1,308 |
| Core capital (leverage) ratio | 13.7168% | 937 |
| Tier 1 risk-based capital ratio | 28.2043% | 638 |
| Total risk-based capital ratio | 29.0731% | 659 |
| Memoranda: | ||
| Average total assets | $86,055,500 | 5,238 |
| Average earning assets | $78,562,500 | 5,222 |
| Average equity | $11,711,750 | 4,672 |
| Average total loans | $33,791,500 | 5,839 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7440% | 7,064 |
| Cost of funding earning assets | 0.4225% | 6,146 |
| Net interest margin | 2.3214% | 6,999 |
| Noninterest income to average assets | 0.6823% | 2,760 |
| Noninterest expense to average assets | 2.4987% | 5,145 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2678% | 5,711 |
| Return on assets (ROA) | 0.2678% | 5,906 |
| Pretax return on assets | 0.3074% | 5,953 |
| Return on Equity (ROE) | 1.9672% | 6,051 |
| Retained earnings to average equity (ytd only) | 0.7698% | 5,754 |
| Net charge-offs to loans | 0.1828% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 4.2581% | 3,132 |
| Efficiency ratio | 89.0456% | 1,143 |
| Assets per employee ($millions) | 3.3703% | 5,274 |
| Cash dividends to net income (ytd only)* | 60.8696% | 1,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9591% | 6,299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 38.2987% | 6,455 |
| Net loans and leases to deposits | 49.0192% | 6,240 |
| Net loans and leases to core deposits | 49.0192% | 6,399 |
| Total domestic deposits to total assets | 78.1300% | 6,134 |
| Equity capital to assets | 13.3566% | 1,366 |
| Core capital (leverage) ratio | 13.2937% | 1,056 |
| Tier 1 risk-based capital ratio | 25.9230% | 812 |
| Total risk-based capital ratio | 26.6511% | 847 |
| Memoranda: | ||
| Average total assets | $85,883,000 | 5,279 |
| Average earning assets | $78,571,670 | 5,255 |
| Average equity | $11,691,670 | 4,678 |
| Average total loans | $33,908,670 | 5,873 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7707% | 7,117 |
| Cost of funding earning assets | 0.4481% | 6,157 |
| Net interest margin | 2.3227% | 7,052 |
| Noninterest income to average assets | 0.8046% | 2,144 |
| Noninterest expense to average assets | 2.5832% | 4,881 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3435% | 5,496 |
| Return on assets (ROA) | 0.3435% | 5,672 |
| Pretax return on assets | 0.3435% | 5,876 |
| Return on Equity (ROE) | 2.4988% | 5,906 |
| Retained earnings to average equity (ytd only) | 0.7873% | 5,745 |
| Net charge-offs to loans | 0.3774% | 2,174 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 2.2813% | 3,254 |
| Efficiency ratio | 88.2637% | 1,256 |
| Assets per employee ($millions) | 3.5430% | 5,020 |
| Cash dividends to net income (ytd only)* | 68.4932% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 6,150 |
| Loan loss allowance to noncurrent loans | 925.7143% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 6,812 |
| Noncurrent loans to loans | 0.1112% | 6,479 |
| Net loans and leases to total assets | 33.8226% | 6,754 |
| Net loans and leases to deposits | 43.1191% | 6,605 |
| Net loans and leases to core deposits | 43.1191% | 6,696 |
| Total domestic deposits to total assets | 78.4398% | 6,203 |
| Equity capital to assets | 12.6966% | 1,596 |
| Core capital (leverage) ratio | 13.3399% | 1,006 |
| Tier 1 risk-based capital ratio | 27.9984% | 642 |
| Total risk-based capital ratio | 28.7837% | 665 |
| Memoranda: | ||
| Average total assets | $85,011,000 | 5,339 |
| Average earning assets | $77,669,500 | 5,310 |
| Average equity | $11,685,500 | 4,678 |
| Average total loans | $33,920,500 | 5,915 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 6,705 |
| Cost of funding earning assets | 0.5941% | 6,116 |
| Net interest margin | 3.2243% | 6,027 |
| Noninterest income to average assets | 0.8004% | 2,058 |
| Noninterest expense to average assets | 3.0371% | 3,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7148% | 3,419 |
| Return on assets (ROA) | 0.7148% | 3,599 |
| Pretax return on assets | 0.7148% | 4,272 |
| Return on Equity (ROE) | 4.6425% | 4,552 |
| Retained earnings to average equity (ytd only) | 1.4752% | 5,156 |
| Net charge-offs to loans | 0.0188% | 6,179 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 76.4286% | 393 |
| Efficiency ratio | 80.9473% | 2,168 |
| Assets per employee ($millions) | 2.9963% | 6,090 |
| Cash dividends to net income (ytd only)* | 68.2243% | 1,208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,296 |
| Loan loss allowance to noncurrent loans | 7,140.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 6,974 |
| Noncurrent loans to loans | 0.0138% | 6,807 |
| Net loans and leases to total assets | 46.2152% | 5,996 |
| Net loans and leases to deposits | 59.7560% | 5,518 |
| Net loans and leases to core deposits | 59.7560% | 5,873 |
| Total domestic deposits to total assets | 77.3398% | 6,292 |
| Equity capital to assets | 14.9866% | 786 |
| Core capital (leverage) ratio | 14.8579% | 631 |
| Tier 1 risk-based capital ratio | 24.8394% | 883 |
| Total risk-based capital ratio | 25.6088% | 926 |
| Memoranda: | ||
| Average total assets | $74,841,000 | 5,615 |
| Average earning assets | $68,511,200 | 5,596 |
| Average equity | $11,524,000 | 4,653 |
| Average total loans | $37,269,000 | 5,820 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9580% | 6,651 |
| Cost of funding earning assets | 0.6264% | 6,144 |
| Net interest margin | 3.3316% | 5,766 |
| Noninterest income to average assets | 0.7380% | 2,373 |
| Noninterest expense to average assets | 3.0905% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7110% | 3,554 |
| Return on assets (ROA) | 0.7110% | 3,726 |
| Pretax return on assets | 0.7110% | 4,433 |
| Return on Equity (ROE) | 4.5850% | 4,728 |
| Retained earnings to average equity (ytd only) | 0.9286% | 5,632 |
| Net charge-offs to loans | 0.0285% | 5,754 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 49.3580% | 651 |
| Efficiency ratio | 81.2973% | 2,074 |
| Assets per employee ($millions) | 2.8519% | 6,397 |
| Cash dividends to net income (ytd only)* | 79.7475% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9846% | 6,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 48.2812% | 5,926 |
| Net loans and leases to deposits | 62.4063% | 5,356 |
| Net loans and leases to core deposits | 62.4063% | 5,783 |
| Total domestic deposits to total assets | 77.3658% | 6,318 |
| Equity capital to assets | 15.6617% | 692 |
| Core capital (leverage) ratio | 15.2189% | 624 |
| Tier 1 risk-based capital ratio | 23.9542% | 1,014 |
| Total risk-based capital ratio | 24.6999% | 1,063 |
| Memoranda: | ||
| Average total assets | $74,075,500 | 5,679 |
| Average earning assets | $68,113,500 | 5,649 |
| Average equity | $11,486,250 | 4,697 |
| Average total loans | $37,496,250 | 5,859 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8899% | 6,817 |
| Cost of funding earning assets | 0.6337% | 6,302 |
| Net interest margin | 3.2562% | 5,987 |
| Noninterest income to average assets | 0.7238% | 2,411 |
| Noninterest expense to average assets | 3.0141% | 3,583 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7589% | 3,250 |
| Return on assets (ROA) | 0.7589% | 3,379 |
| Pretax return on assets | 0.7211% | 4,314 |
| Return on Equity (ROE) | 4.9109% | 4,492 |
| Retained earnings to average equity (ytd only) | 1.1534% | 5,401 |
| Net charge-offs to loans | 0.0369% | 5,335 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 38.1429% | 768 |
| Efficiency ratio | 80.6941% | 2,285 |
| Assets per employee ($millions) | 2.8570% | 6,373 |
| Cash dividends to net income (ytd only)* | 76.5125% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9419% | 6,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 50.4005% | 5,769 |
| Net loans and leases to deposits | 63.8220% | 5,296 |
| Net loans and leases to core deposits | 63.8220% | 5,740 |
| Total domestic deposits to total assets | 78.9704% | 6,096 |
| Equity capital to assets | 15.5477% | 693 |
| Core capital (leverage) ratio | 15.1943% | 631 |
| Tier 1 risk-based capital ratio | 24.0813% | 998 |
| Total risk-based capital ratio | 24.8319% | 1,036 |
| Memoranda: | ||
| Average total assets | $74,051,000 | 5,724 |
| Average earning assets | $68,485,670 | 5,682 |
| Average equity | $11,444,000 | 4,700 |
| Average total loans | $37,943,000 | 5,894 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9767% | 6,732 |
| Cost of funding earning assets | 0.6374% | 6,440 |
| Net interest margin | 3.3393% | 5,647 |
| Noninterest income to average assets | 0.8061% | 2,009 |
| Noninterest expense to average assets | 3.1270% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8440% | 2,804 |
| Return on assets (ROA) | 0.8440% | 2,861 |
| Pretax return on assets | 0.7682% | 4,026 |
| Return on Equity (ROE) | 5.4778% | 4,167 |
| Retained earnings to average equity (ytd only) | 1.4397% | 5,241 |
| Net charge-offs to loans | 0.0105% | 4,946 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 142.0000% | 218 |
| Efficiency ratio | 80.2778% | 2,478 |
| Assets per employee ($millions) | 2.9583% | 6,221 |
| Cash dividends to net income (ytd only)* | 73.7179% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 6,416 |
| Loan loss allowance to noncurrent loans | 36,200.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 7,219 |
| Noncurrent loans to loans | 0.0028% | 7,086 |
| Net loans and leases to total assets | 46.7815% | 6,210 |
| Net loans and leases to deposits | 58.7701% | 5,851 |
| Net loans and leases to core deposits | 58.7701% | 6,193 |
| Total domestic deposits to total assets | 79.6009% | 6,038 |
| Equity capital to assets | 14.8372% | 798 |
| Core capital (leverage) ratio | 15.0044% | 670 |
| Tier 1 risk-based capital ratio | 25.4176% | 836 |
| Total risk-based capital ratio | 26.2250% | 864 |
| Memoranda: | ||
| Average total assets | $73,936,000 | 5,763 |
| Average earning assets | $68,398,000 | 5,722 |
| Average equity | $11,391,500 | 4,695 |
| Average total loans | $38,017,500 | 5,937 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3484% | 6,704 |
| Cost of funding earning assets | 0.8182% | 6,489 |
| Net interest margin | 3.5302% | 5,110 |
| Noninterest income to average assets | 0.9433% | 1,690 |
| Noninterest expense to average assets | 3.2112% | 3,047 |
| Loan and lease loss provision to assets | 0.0348% | 6,806 |
| Net operating income to assets | 0.9407% | 2,239 |
| Return on assets (ROA) | 0.9656% | 2,266 |
| Pretax return on assets | 1.0254% | 2,851 |
| Return on Equity (ROE) | 6.0659% | 3,577 |
| Retained earnings to average equity (ytd only) | 2.1327% | 4,395 |
| Net charge-offs to loans | 0.0752% | 6,051 |
| Credit loss provision to net charge-offs | 86.2069% | 5,272 |
| Earnings coverage of net charge-offs (x) | 25.6207% | 835 |
| Efficiency ratio | 75.6473% | 3,103 |
| Assets per employee ($millions) | 2.7291% | 6,642 |
| Cash dividends to net income (ytd only)* | 64.8415% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 6,684 |
| Loan loss allowance to noncurrent loans | 2,592.8571% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 7,192 |
| Noncurrent loans to loans | 0.0353% | 7,043 |
| Net loans and leases to total assets | 55.4251% | 5,427 |
| Net loans and leases to deposits | 69.6231% | 4,862 |
| Net loans and leases to core deposits | 69.6231% | 5,480 |
| Total domestic deposits to total assets | 79.6074% | 5,935 |
| Equity capital to assets | 16.0252% | 576 |
| Core capital (leverage) ratio | 15.5886% | 563 |
| Tier 1 risk-based capital ratio | 23.9179% | 940 |
| Total risk-based capital ratio | 24.6825% | 966 |
| Memoranda: | ||
| Average total assets | $71,874,200 | 5,817 |
| Average earning assets | $67,220,800 | 5,761 |
| Average equity | $11,441,000 | 4,750 |
| Average total loans | $38,573,800 | 5,984 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3439% | 6,904 |
| Cost of funding earning assets | 0.8161% | 6,707 |
| Net interest margin | 3.5278% | 5,191 |
| Noninterest income to average assets | 0.9135% | 1,747 |
| Noninterest expense to average assets | 3.2379% | 2,786 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9341% | 2,480 |
| Return on assets (ROA) | 0.9671% | 2,470 |
| Pretax return on assets | 1.0281% | 3,080 |
| Return on Equity (ROE) | 6.0856% | 3,776 |
| Retained earnings to average equity (ytd only) | 2.1875% | 4,858 |
| Net charge-offs to loans | 0.0557% | 5,959 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 33.5668% | 800 |
| Efficiency ratio | 76.5297% | 2,852 |
| Assets per employee ($millions) | 2.6107% | 6,921 |
| Cash dividends to net income (ytd only)* | 64.0538% | 1,094 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 6,892 |
| Loan loss allowance to noncurrent loans | 2,333.3333% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0213% | 7,310 |
| Noncurrent loans to loans | 0.0364% | 7,159 |
| Net loans and leases to total assets | 57.9934% | 5,269 |
| Net loans and leases to deposits | 74.1193% | 4,486 |
| Net loans and leases to core deposits | 74.1193% | 5,275 |
| Total domestic deposits to total assets | 78.2434% | 6,210 |
| Equity capital to assets | 16.3373% | 611 |
| Core capital (leverage) ratio | 15.9915% | 566 |
| Tier 1 risk-based capital ratio | 23.1672% | 1,044 |
| Total risk-based capital ratio | 23.8849% | 1,086 |
| Memoranda: | ||
| Average total assets | $72,103,500 | 5,877 |
| Average earning assets | $67,802,250 | 5,804 |
| Average equity | $11,458,500 | 4,820 |
| Average total loans | $38,294,500 | 6,079 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2754% | 7,087 |
| Cost of funding earning assets | 0.8310% | 6,816 |
| Net interest margin | 3.4444% | 5,464 |
| Noninterest income to average assets | 0.8618% | 1,834 |
| Noninterest expense to average assets | 3.1965% | 2,911 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8342% | 2,808 |
| Return on assets (ROA) | 0.8342% | 2,962 |
| Pretax return on assets | 0.8948% | 3,514 |
| Return on Equity (ROE) | 5.2975% | 4,129 |
| Retained earnings to average equity (ytd only) | 1.4511% | 5,148 |
| Net charge-offs to loans | 0.1018% | 5,131 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 17.1053% | 1,365 |
| Efficiency ratio | 78.1292% | 2,707 |
| Assets per employee ($millions) | 2.7013% | 6,779 |
| Cash dividends to net income (ytd only)* | 72.6073% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9273% | 6,669 |
| Loan loss allowance to noncurrent loans | 8,700.0000% | 45 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 7,413 |
| Noncurrent loans to loans | 0.0107% | 7,305 |
| Net loans and leases to total assets | 50.9789% | 6,312 |
| Net loans and leases to deposits | 61.7713% | 6,251 |
| Net loans and leases to core deposits | 61.7713% | 6,569 |
| Total domestic deposits to total assets | 82.5285% | 4,773 |
| Equity capital to assets | 15.6932% | 727 |
| Core capital (leverage) ratio | 15.2742% | 671 |
| Tier 1 risk-based capital ratio | 24.2781% | 911 |
| Total risk-based capital ratio | 25.0331% | 949 |
| Memoranda: | ||
| Average total assets | $72,641,670 | 5,902 |
| Average earning assets | $68,111,330 | 5,825 |
| Average equity | $11,439,330 | 4,817 |
| Average total loans | $37,316,330 | 6,179 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2532% | 7,201 |
| Cost of funding earning assets | 0.8378% | 6,977 |
| Net interest margin | 3.4154% | 5,519 |
| Noninterest income to average assets | 1.0263% | 1,218 |
| Noninterest expense to average assets | 3.1561% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0594% | 1,964 |
| Return on assets (ROA) | 1.0594% | 2,036 |
| Pretax return on assets | 1.0870% | 2,781 |
| Return on Equity (ROE) | 6.7156% | 3,498 |
| Retained earnings to average equity (ytd only) | 3.0430% | 4,313 |
| Net charge-offs to loans | 0.1505% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 14.0714% | 1,454 |
| Efficiency ratio | 74.3823% | 3,515 |
| Assets per employee ($millions) | 2.7367% | 6,789 |
| Cash dividends to net income (ytd only)* | 54.6875% | 1,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9760% | 6,572 |
| Loan loss allowance to noncurrent loans | 2,521.4286% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 7,447 |
| Noncurrent loans to loans | 0.0387% | 7,313 |
| Net loans and leases to total assets | 48.4714% | 6,625 |
| Net loans and leases to deposits | 58.1070% | 6,618 |
| Net loans and leases to core deposits | 58.1070% | 6,873 |
| Total domestic deposits to total assets | 83.4175% | 4,419 |
| Equity capital to assets | 15.4904% | 766 |
| Core capital (leverage) ratio | 15.3607% | 676 |
| Tier 1 risk-based capital ratio | 25.0531% | 856 |
| Total risk-based capital ratio | 25.8431% | 885 |
| Memoranda: | ||
| Average total assets | $72,494,500 | 5,983 |
| Average earning assets | $68,278,000 | 5,894 |
| Average equity | $11,436,000 | 4,860 |
| Average total loans | $37,209,500 | 6,252 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8960% | 6,719 |
| Cost of funding earning assets | 1.0582% | 7,078 |
| Net interest margin | 3.8377% | 3,537 |
| Noninterest income to average assets | 1.0103% | 1,537 |
| Noninterest expense to average assets | 3.2457% | 3,204 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.2836% | 1,063 |
| Return on assets (ROA) | 1.2836% | 1,117 |
| Pretax return on assets | 1.3361% | 1,599 |
| Return on Equity (ROE) | 7.5578% | 2,561 |
| Retained earnings to average equity (ytd only) | 3.3325% | 2,839 |
| Net charge-offs to loans | -0.0056% | 7,724 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8388% | 4,469 |
| Assets per employee ($millions) | 2.6333% | 6,976 |
| Cash dividends to net income (ytd only)* | 55.9064% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 6,573 |
| Loan loss allowance to noncurrent loans | 1,226.6667% | 310 |
| Noncurrent assets plus other real estate owned to assets | 0.0422% | 7,402 |
| Noncurrent loans to loans | 0.0784% | 7,222 |
| Net loans and leases to total assets | 53.2814% | 6,272 |
| Net loans and leases to deposits | 65.0056% | 6,160 |
| Net loans and leases to core deposits | 67.7759% | 6,892 |
| Total domestic deposits to total assets | 81.9643% | 4,963 |
| Equity capital to assets | 16.0708% | 690 |
| Core capital (leverage) ratio | 16.1682% | 593 |
| Tier 1 risk-based capital ratio | 23.7485% | 971 |
| Total risk-based capital ratio | 24.5351% | 991 |
| Memoranda: | ||
| Average total assets | $66,611,200 | 6,125 |
| Average earning assets | $61,989,800 | 6,062 |
| Average equity | $11,312,800 | 4,933 |
| Average total loans | $35,652,800 | 6,325 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0241% | 6,535 |
| Cost of funding earning assets | 1.0941% | 7,186 |
| Net interest margin | 3.9300% | 3,122 |
| Noninterest income to average assets | 0.9732% | 1,697 |
| Noninterest expense to average assets | 3.2411% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2948% | 1,232 |
| Return on assets (ROA) | 1.2948% | 1,309 |
| Pretax return on assets | 1.3885% | 1,727 |
| Return on Equity (ROE) | 7.5146% | 2,860 |
| Retained earnings to average equity (ytd only) | 3.1074% | 3,584 |
| Net charge-offs to loans | -0.0152% | 7,730 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0088% | 4,588 |
| Assets per employee ($millions) | 2.3684% | 7,420 |
| Cash dividends to net income (ytd only)* | 58.6476% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 6,352 |
| Loan loss allowance to noncurrent loans | 2,306.2500% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 7,527 |
| Noncurrent loans to loans | 0.0430% | 7,403 |
| Net loans and leases to total assets | 57.6502% | 5,939 |
| Net loans and leases to deposits | 72.0202% | 5,648 |
| Net loans and leases to core deposits | 75.1779% | 6,657 |
| Total domestic deposits to total assets | 80.0472% | 5,414 |
| Equity capital to assets | 17.7963% | 528 |
| Core capital (leverage) ratio | 16.6445% | 595 |
| Tier 1 risk-based capital ratio | 23.9578% | 1,003 |
| Total risk-based capital ratio | 24.7615% | 1,027 |
| Memoranda: | ||
| Average total assets | $65,489,500 | 6,192 |
| Average earning assets | $60,931,500 | 6,143 |
| Average equity | $11,284,500 | 4,990 |
| Average total loans | $35,003,500 | 6,401 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9956% | 6,784 |
| Cost of funding earning assets | 1.1007% | 7,376 |
| Net interest margin | 3.8949% | 3,141 |
| Noninterest income to average assets | 0.9272% | 1,862 |
| Noninterest expense to average assets | 3.1907% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2423% | 1,378 |
| Return on assets (ROA) | 1.2423% | 1,456 |
| Pretax return on assets | 1.3393% | 1,904 |
| Return on Equity (ROE) | 7.2872% | 3,066 |
| Retained earnings to average equity (ytd only) | 2.5238% | 3,929 |
| Net charge-offs to loans | -0.0175% | 7,672 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4348% | 4,691 |
| Assets per employee ($millions) | 2.4677% | 7,309 |
| Cash dividends to net income (ytd only)* | 65.3659% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 5,664 |
| Loan loss allowance to noncurrent loans | 2,628.5714% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 7,578 |
| Noncurrent loans to loans | 0.0415% | 7,438 |
| Net loans and leases to total assets | 50.0653% | 6,863 |
| Net loans and leases to deposits | 61.5734% | 6,769 |
| Net loans and leases to core deposits | 64.1660% | 7,294 |
| Total domestic deposits to total assets | 81.3099% | 4,959 |
| Equity capital to assets | 16.9116% | 677 |
| Core capital (leverage) ratio | 16.4824% | 680 |
| Tier 1 risk-based capital ratio | 24.9478% | 944 |
| Total risk-based capital ratio | 25.7917% | 967 |
| Memoranda: | ||
| Average total assets | $66,004,000 | 6,223 |
| Average earning assets | $61,054,330 | 6,179 |
| Average equity | $11,252,670 | 5,010 |
| Average total loans | $34,260,000 | 6,487 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1643% | 6,429 |
| Cost of funding earning assets | 1.1410% | 7,442 |
| Net interest margin | 4.0232% | 2,562 |
| Noninterest income to average assets | 0.8768% | 1,944 |
| Noninterest expense to average assets | 2.8923% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5953% | 792 |
| Return on assets (ROA) | 1.5953% | 867 |
| Pretax return on assets | 1.6988% | 1,183 |
| Return on Equity (ROE) | 9.3197% | 2,606 |
| Retained earnings to average equity (ytd only) | 3.5216% | 3,937 |
| Net charge-offs to loans | -0.0232% | 7,478 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9973% | 5,875 |
| Assets per employee ($millions) | 2.1019% | 7,804 |
| Cash dividends to net income (ytd only)* | 62.2137% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 5,340 |
| Loan loss allowance to noncurrent loans | 895.1220% | 440 |
| Noncurrent assets plus other real estate owned to assets | 0.0629% | 7,410 |
| Noncurrent loans to loans | 0.1249% | 7,162 |
| Net loans and leases to total assets | 49.8143% | 6,879 |
| Net loans and leases to deposits | 60.9261% | 6,820 |
| Net loans and leases to core deposits | 63.2741% | 7,341 |
| Total domestic deposits to total assets | 81.7618% | 4,650 |
| Equity capital to assets | 17.2775% | 692 |
| Core capital (leverage) ratio | 16.1291% | 764 |
| Tier 1 risk-based capital ratio | 25.5578% | 925 |
| Total risk-based capital ratio | 26.4234% | 941 |
| Memoranda: | ||
| Average total assets | $65,691,500 | 6,265 |
| Average earning assets | $60,647,500 | 6,229 |
| Average equity | $11,245,000 | 5,044 |
| Average total loans | $34,527,000 | 6,519 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1028% | 5,030 |
| Cost of funding earning assets | 1.5333% | 7,556 |
| Net interest margin | 4.5695% | 1,253 |
| Noninterest income to average assets | 0.9534% | 1,753 |
| Noninterest expense to average assets | 3.2263% | 3,233 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8125% | 542 |
| Return on assets (ROA) | 1.8125% | 518 |
| Pretax return on assets | 1.9083% | 753 |
| Return on Equity (ROE) | 10.7828% | 1,975 |
| Retained earnings to average equity (ytd only) | 2.7761% | 3,452 |
| Net charge-offs to loans | 0.1645% | 4,557 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 21.2931% | 1,534 |
| Efficiency ratio | 62.8348% | 5,808 |
| Assets per employee ($millions) | 2.0695% | 7,852 |
| Cash dividends to net income (ytd only)* | 74.2540% | 1,977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0075% | 5,964 |
| Loan loss allowance to noncurrent loans | 1,073.5294% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0513% | 7,373 |
| Noncurrent loans to loans | 0.0939% | 7,141 |
| Net loans and leases to total assets | 54.1549% | 6,635 |
| Net loans and leases to deposits | 65.6026% | 6,669 |
| Net loans and leases to core deposits | 68.3027% | 7,272 |
| Total domestic deposits to total assets | 82.5499% | 3,975 |
| Equity capital to assets | 16.9609% | 787 |
| Core capital (leverage) ratio | 16.3519% | 775 |
| Tier 1 risk-based capital ratio | 23.5533% | 1,133 |
| Total risk-based capital ratio | 24.3540% | 1,154 |
| Memoranda: | ||
| Average total assets | $64,717,800 | 6,203 |
| Average earning assets | $59,219,000 | 6,211 |
| Average equity | $10,878,400 | 5,159 |
| Average total loans | $35,267,200 | 6,408 |