Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0997% | 3,810 |
| Cost of funding earning assets | 0.9804% | 3,339 |
| Net interest margin | 3.1193% | 3,056 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 1.2111% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5155% | 985 |
| Return on assets (ROA) | 1.4847% | 1,017 |
| Pretax return on assets | 1.9284% | 746 |
| Return on Equity (ROE) | 12.3300% | 1,883 |
| Retained earnings to average equity (ytd only) | 9.0276% | 1,248 |
| 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 | 38.1036% | 4,398 |
| Assets per employee ($millions) | 8.9247% | 1,011 |
| Cash dividends to net income (ytd only)* | 26.7809% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2475% | 2,033 |
| 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 | 53.4700% | 3,388 |
| Net loans and leases to deposits | 62.6236% | 3,375 |
| Net loans and leases to core deposits | 68.5589% | 3,373 |
| Total domestic deposits to total assets | 85.3800% | 2,192 |
| Equity capital to assets | 13.0865% | 847 |
| Core capital (leverage) ratio | 15.1812% | 590 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $125,750,600 | 3,592 |
| Average earning assets | $120,251,800 | 3,542 |
| Average equity | $15,142,400 | 3,254 |
| Average total loans | $66,073,800 | 3,604 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0002% | 3,844 |
| Cost of funding earning assets | 0.9040% | 3,263 |
| Net interest margin | 3.0963% | 3,149 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 1.2142% | 4,478 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4926% | 1,140 |
| Return on assets (ROA) | 1.4725% | 1,167 |
| Pretax return on assets | 1.9139% | 845 |
| Return on Equity (ROE) | 12.5000% | 2,003 |
| Retained earnings to average equity (ytd only) | 10.2511% | 1,334 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.5029% | 4,396 |
| Assets per employee ($millions) | 8.8121% | 998 |
| Cash dividends to net income (ytd only)* | 17.9727% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2820% | 1,951 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 52.6200% | 3,454 |
| Net loans and leases to deposits | 62.1059% | 3,397 |
| Net loans and leases to core deposits | 66.5945% | 3,400 |
| Total domestic deposits to total assets | 84.7200% | 2,590 |
| Equity capital to assets | 12.1423% | 1,002 |
| Core capital (leverage) ratio | 14.8995% | 642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $125,951,750 | 3,609 |
| Average earning assets | $120,357,500 | 3,548 |
| Average equity | $14,840,250 | 3,276 |
| Average total loans | $65,678,750 | 3,621 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9018% | 3,864 |
| Cost of funding earning assets | 0.8216% | 3,152 |
| Net interest margin | 3.0802% | 3,267 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 1.1765% | 4,519 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4957% | 1,108 |
| Return on assets (ROA) | 1.4920% | 1,113 |
| Pretax return on assets | 1.9572% | 793 |
| Return on Equity (ROE) | 12.7900% | 1,950 |
| Retained earnings to average equity (ytd only) | 9.4094% | 1,573 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 37.4874% | 4,439 |
| Assets per employee ($millions) | 8.7594% | 979 |
| Cash dividends to net income (ytd only)* | 26.4271% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3215% | 1,832 |
| 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 | 51.3900% | 3,455 |
| Net loans and leases to deposits | 59.9277% | 3,422 |
| Net loans and leases to core deposits | 64.4486% | 3,421 |
| Total domestic deposits to total assets | 85.7600% | 2,311 |
| Equity capital to assets | 12.3191% | 969 |
| Core capital (leverage) ratio | 14.6139% | 647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $126,812,333 | 3,605 |
| Average earning assets | $121,227,333 | 3,549 |
| Average equity | $14,793,667 | 3,294 |
| Average total loans | $65,652,333 | 3,626 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8027% | 3,851 |
| Cost of funding earning assets | 0.7059% | 3,037 |
| Net interest margin | 3.0968% | 3,356 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.1606% | 4,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5093% | 1,170 |
| Return on assets (ROA) | 1.5019% | 1,161 |
| Pretax return on assets | 1.9550% | 842 |
| Return on Equity (ROE) | 13.2300% | 1,941 |
| Retained earnings to average equity (ytd only) | 13.2268% | 1,052 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 37.1400% | 4,511 |
| Assets per employee ($millions) | 12.7383% | 320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2856% | 2,107 |
| 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 | 50.8700% | 3,428 |
| Net loans and leases to deposits | 59.6224% | 3,355 |
| Net loans and leases to core deposits | 63.8250% | 3,358 |
| Total domestic deposits to total assets | 85.3300% | 2,765 |
| Equity capital to assets | 11.8430% | 1,047 |
| Core capital (leverage) ratio | 14.2090% | 705 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $128,903,000 | 3,630 |
| Average earning assets | $122,965,500 | 3,572 |
| Average equity | $14,637,000 | 3,340 |
| Average total loans | $66,545,000 | 3,659 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1431% | 3,916 |
| Cost of funding earning assets | 0.3267% | 2,664 |
| Net interest margin | 2.8163% | 3,861 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 1.1747% | 4,615 |
| Loan and lease loss provision to assets | 0.1200% | 1,028 |
| Net operating income to assets | 1.2334% | 1,650 |
| Return on assets (ROA) | 1.2109% | 1,677 |
| Pretax return on assets | 1.5724% | 1,235 |
| Return on Equity (ROE) | 10.5600% | 2,630 |
| Retained earnings to average equity (ytd only) | 5.1849% | 2,969 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 40.6292% | 4,526 |
| Assets per employee ($millions) | 10.0325% | 665 |
| Cash dividends to net income (ytd only)* | 50.9230% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,137 |
| Loan loss allowance to noncurrent loans | 16,880.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 3,896 |
| Noncurrent loans to loans | 0.0074% | 3,805 |
| Net loans and leases to total assets | 51.0600% | 3,428 |
| Net loans and leases to deposits | 59.4952% | 3,362 |
| Net loans and leases to core deposits | 60.8967% | 3,458 |
| Total domestic deposits to total assets | 85.8200% | 2,774 |
| Equity capital to assets | 10.8784% | 1,313 |
| Core capital (leverage) ratio | 13.3205% | 861 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $129,738,400 | 3,634 |
| Average earning assets | $124,560,400 | 3,572 |
| Average equity | $14,870,000 | 3,378 |
| Average total loans | $60,146,400 | 3,724 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9482% | 3,986 |
| Cost of funding earning assets | 0.2881% | 2,300 |
| Net interest margin | 2.6601% | 4,008 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 1.1659% | 4,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.2658% | 1,471 |
| Return on assets (ROA) | 1.2575% | 1,469 |
| Pretax return on assets | 1.5497% | 1,269 |
| Return on Equity (ROE) | 10.8300% | 2,451 |
| Retained earnings to average equity (ytd only) | 5.5139% | 2,919 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 42.7709% | 4,502 |
| Assets per employee ($millions) | 9.9004% | 678 |
| Cash dividends to net income (ytd only)* | 49.0998% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 3,073 |
| 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 | 48.9900% | 3,532 |
| Net loans and leases to deposits | 56.6583% | 3,426 |
| Net loans and leases to core deposits | 58.7016% | 3,464 |
| Total domestic deposits to total assets | 86.4700% | 2,934 |
| Equity capital to assets | 10.5046% | 1,366 |
| Core capital (leverage) ratio | 12.0804% | 1,203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $129,567,250 | 3,663 |
| Average earning assets | $124,503,500 | 3,604 |
| Average equity | $15,040,500 | 3,404 |
| Average total loans | $58,323,000 | 3,775 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7590% | 4,050 |
| Cost of funding earning assets | 0.2817% | 1,883 |
| Net interest margin | 2.4773% | 4,123 |
| Noninterest income to average assets | 0.1848% | 4,082 |
| Noninterest expense to average assets | 1.1644% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.1445% | 1,617 |
| Return on assets (ROA) | 1.1320% | 1,635 |
| Pretax return on assets | 1.3892% | 1,467 |
| Return on Equity (ROE) | 9.4550% | 2,541 |
| Retained earnings to average equity (ytd only) | 4.3094% | 2,969 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3237% | 4,480 |
| Assets per employee ($millions) | 9.4659% | 762 |
| Cash dividends to net income (ytd only)* | 54.4218% | 1,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1754% | 2,817 |
| 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 | 44.0319% | 3,833 |
| Net loans and leases to deposits | 51.6627% | 3,710 |
| Net loans and leases to core deposits | 53.7420% | 3,706 |
| Total domestic deposits to total assets | 85.2296% | 3,430 |
| Equity capital to assets | 10.8835% | 1,267 |
| Core capital (leverage) ratio | 12.8702% | 852 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,854,667 | 3,701 |
| Average earning assets | $124,973,333 | 3,649 |
| Average equity | $15,547,333 | 3,448 |
| Average total loans | $56,513,000 | 3,851 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6132% | 4,095 |
| Cost of funding earning assets | 0.2814% | 1,804 |
| Net interest margin | 2.3318% | 4,183 |
| Noninterest income to average assets | 0.1681% | 4,160 |
| Noninterest expense to average assets | 1.1391% | 4,683 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.0240% | 1,785 |
| Return on assets (ROA) | 1.0240% | 1,776 |
| Pretax return on assets | 1.2729% | 1,589 |
| Return on Equity (ROE) | 8.1691% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.1691% | 1,526 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2258% | 4,444 |
| Assets per employee ($millions) | 9.3191% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 2,465 |
| Loan loss allowance to noncurrent loans | 7,711.1111% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 4,021 |
| Noncurrent loans to loans | 0.0166% | 3,886 |
| Net loans and leases to total assets | 41.1177% | 3,943 |
| Net loans and leases to deposits | 48.6726% | 3,836 |
| Net loans and leases to core deposits | 50.6797% | 3,835 |
| Total domestic deposits to total assets | 84.4781% | 3,660 |
| Equity capital to assets | 11.8053% | 1,021 |
| Core capital (leverage) ratio | 13.2427% | 719 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,521,000 | 3,731 |
| Average earning assets | $123,681,500 | 3,675 |
| Average equity | $16,109,500 | 3,462 |
| Average total loans | $55,246,500 | 3,882 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9326% | 3,998 |
| Cost of funding earning assets | 0.4407% | 1,258 |
| Net interest margin | 2.4919% | 4,204 |
| Noninterest income to average assets | 0.1669% | 4,323 |
| Noninterest expense to average assets | 1.1241% | 4,734 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0951% | 2,312 |
| Return on assets (ROA) | 1.0926% | 2,391 |
| Pretax return on assets | 1.4075% | 2,028 |
| Return on Equity (ROE) | 8.2267% | 3,149 |
| Retained earnings to average equity (ytd only) | 3.4851% | 3,419 |
| Net charge-offs to loans | -0.0035% | 3,465 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3478% | 4,561 |
| Assets per employee ($millions) | 9.0411% | 906 |
| Cash dividends to net income (ytd only)* | 57.6369% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2359% | 2,702 |
| 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 | 43.8159% | 3,850 |
| Net loans and leases to deposits | 52.7036% | 3,689 |
| Net loans and leases to core deposits | 54.9762% | 3,689 |
| Total domestic deposits to total assets | 83.1365% | 3,775 |
| Equity capital to assets | 13.2862% | 824 |
| Core capital (leverage) ratio | 13.1905% | 756 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,032,600 | 3,719 |
| Average earning assets | $120,710,000 | 3,680 |
| Average equity | $16,871,800 | 3,475 |
| Average total loans | $57,378,600 | 3,864 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0009% | 4,003 |
| Cost of funding earning assets | 0.4730% | 1,198 |
| Net interest margin | 2.5279% | 4,225 |
| Noninterest income to average assets | 0.1835% | 4,278 |
| Noninterest expense to average assets | 1.1032% | 4,813 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.1462% | 2,383 |
| Return on assets (ROA) | 1.1462% | 2,444 |
| Pretax return on assets | 1.4733% | 2,068 |
| Return on Equity (ROE) | 8.6305% | 3,218 |
| Retained earnings to average equity (ytd only) | 3.8928% | 3,609 |
| Net charge-offs to loans | -0.0046% | 3,410 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8164% | 4,633 |
| Assets per employee ($millions) | 8.9939% | 894 |
| Cash dividends to net income (ytd only)* | 54.8948% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 3,068 |
| 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 | 46.0636% | 3,788 |
| Net loans and leases to deposits | 55.7536% | 3,597 |
| Net loans and leases to core deposits | 58.1819% | 3,612 |
| Total domestic deposits to total assets | 82.6200% | 3,795 |
| Equity capital to assets | 13.4893% | 853 |
| Core capital (leverage) ratio | 13.0530% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,147,000 | 3,753 |
| Average earning assets | $120,362,500 | 3,718 |
| Average equity | $16,885,500 | 3,519 |
| Average total loans | $57,684,750 | 3,911 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1616% | 3,745 |
| Cost of funding earning assets | 0.4973% | 1,217 |
| Net interest margin | 2.6643% | 4,048 |
| Noninterest income to average assets | 0.1882% | 4,263 |
| Noninterest expense to average assets | 1.0803% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2684% | 1,960 |
| Return on assets (ROA) | 1.2684% | 2,032 |
| Pretax return on assets | 1.6197% | 1,684 |
| Return on Equity (ROE) | 9.6010% | 2,911 |
| Retained earnings to average equity (ytd only) | 4.8539% | 3,241 |
| Net charge-offs to loans | -0.0070% | 3,537 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0116% | 4,747 |
| Assets per employee ($millions) | 9.1574% | 815 |
| Cash dividends to net income (ytd only)* | 49.4438% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 2,787 |
| 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 | 43.5824% | 4,064 |
| Net loans and leases to deposits | 52.4117% | 3,969 |
| Net loans and leases to core deposits | 54.8155% | 3,974 |
| Total domestic deposits to total assets | 83.1541% | 3,674 |
| Equity capital to assets | 13.2384% | 881 |
| Core capital (leverage) ratio | 12.3317% | 974 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,557,667 | 3,755 |
| Average earning assets | $120,257,000 | 3,728 |
| Average equity | $16,852,333 | 3,528 |
| Average total loans | $57,348,000 | 3,945 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3348% | 3,375 |
| Cost of funding earning assets | 0.5179% | 1,282 |
| Net interest margin | 2.8168% | 3,719 |
| Noninterest income to average assets | 0.1855% | 4,265 |
| Noninterest expense to average assets | 1.0846% | 4,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.3675% | 1,640 |
| Return on assets (ROA) | 1.3675% | 1,726 |
| Pretax return on assets | 1.7511% | 1,389 |
| Return on Equity (ROE) | 10.3618% | 2,575 |
| Retained earnings to average equity (ytd only) | 5.5977% | 3,029 |
| Net charge-offs to loans | -0.0069% | 3,521 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2483% | 4,802 |
| Assets per employee ($millions) | 9.5483% | 691 |
| Cash dividends to net income (ytd only)* | 45.9770% | 1,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2096% | 2,881 |
| 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 | 42.3419% | 4,210 |
| Net loans and leases to deposits | 50.4812% | 4,132 |
| Net loans and leases to core deposits | 52.6717% | 4,161 |
| Total domestic deposits to total assets | 83.8767% | 3,476 |
| Equity capital to assets | 12.5909% | 1,047 |
| Core capital (leverage) ratio | 13.0302% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,235,000 | 3,762 |
| Average earning assets | $119,709,000 | 3,746 |
| Average equity | $16,792,500 | 3,530 |
| Average total loans | $57,738,000 | 3,952 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 3,772 |
| Cost of funding earning assets | 0.7389% | 1,513 |
| Net interest margin | 2.8747% | 4,153 |
| Noninterest income to average assets | 0.2347% | 4,093 |
| Noninterest expense to average assets | 1.1408% | 4,913 |
| Loan and lease loss provision to assets | 0.0860% | 3,293 |
| Net operating income to assets | 1.3779% | 1,071 |
| Return on assets (ROA) | 1.4065% | 1,087 |
| Pretax return on assets | 1.7968% | 688 |
| Return on Equity (ROE) | 10.0683% | 1,979 |
| Retained earnings to average equity (ytd only) | 5.1449% | 2,214 |
| Net charge-offs to loans | 0.0035% | 3,250 |
| Credit loss provision to net charge-offs | 5,000.0000% | 207 |
| Earnings coverage of net charge-offs (x) | 1,074.0000% | 109 |
| Efficiency ratio | 38.1871% | 4,903 |
| Assets per employee ($millions) | 8.6281% | 859 |
| Cash dividends to net income (ytd only)* | 48.8998% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1894% | 2,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 47.5934% | 4,002 |
| Net loans and leases to deposits | 58.4854% | 3,862 |
| Net loans and leases to core deposits | 61.7143% | 3,845 |
| Total domestic deposits to total assets | 81.3766% | 3,791 |
| Equity capital to assets | 13.8699% | 828 |
| Core capital (leverage) ratio | 13.2508% | 838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,320,800 | 3,791 |
| Average earning assets | $111,384,200 | 3,745 |
| Average equity | $16,249,000 | 3,525 |
| Average total loans | $56,823,800 | 3,966 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8345% | 3,453 |
| Cost of funding earning assets | 0.7823% | 1,580 |
| Net interest margin | 3.0522% | 3,857 |
| Noninterest income to average assets | 0.2361% | 4,082 |
| Noninterest expense to average assets | 1.1458% | 4,950 |
| Loan and lease loss provision to assets | 0.0807% | 3,300 |
| Net operating income to assets | 1.5194% | 864 |
| Return on assets (ROA) | 1.5578% | 877 |
| Pretax return on assets | 1.9930% | 522 |
| Return on Equity (ROE) | 11.1310% | 1,633 |
| Retained earnings to average equity (ytd only) | 6.1692% | 2,032 |
| Net charge-offs to loans | 0.0047% | 2,978 |
| Credit loss provision to net charge-offs | 3,500.0000% | 303 |
| Earnings coverage of net charge-offs (x) | 875.0000% | 136 |
| Efficiency ratio | 36.1314% | 4,949 |
| Assets per employee ($millions) | 8.7097% | 773 |
| Cash dividends to net income (ytd only)* | 44.5765% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1198% | 3,100 |
| Loan loss allowance to noncurrent loans | 7,355.5556% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 4,478 |
| Noncurrent loans to loans | 0.0152% | 4,378 |
| Net loans and leases to total assets | 47.9383% | 4,215 |
| Net loans and leases to deposits | 58.9094% | 4,123 |
| Net loans and leases to core deposits | 62.1170% | 4,099 |
| Total domestic deposits to total assets | 81.3763% | 3,573 |
| Equity capital to assets | 13.6867% | 945 |
| Core capital (leverage) ratio | 13.4358% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,202,500 | 3,802 |
| Average earning assets | $110,780,250 | 3,739 |
| Average equity | $16,122,750 | 3,537 |
| Average total loans | $56,484,250 | 3,994 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 3,771 |
| Cost of funding earning assets | 0.8507% | 1,601 |
| Net interest margin | 2.9859% | 4,156 |
| Noninterest income to average assets | 0.2479% | 3,986 |
| Noninterest expense to average assets | 1.1668% | 4,980 |
| Loan and lease loss provision to assets | 0.0708% | 3,412 |
| Net operating income to assets | 1.4799% | 957 |
| Return on assets (ROA) | 1.5386% | 936 |
| Pretax return on assets | 1.9618% | 591 |
| Return on Equity (ROE) | 10.9075% | 1,661 |
| Retained earnings to average equity (ytd only) | 5.8868% | 2,128 |
| Net charge-offs to loans | 0.0108% | 2,562 |
| Credit loss provision to net charge-offs | 1,333.3333% | 657 |
| Earnings coverage of net charge-offs (x) | 368.6667% | 278 |
| Efficiency ratio | 37.3371% | 4,962 |
| Assets per employee ($millions) | 8.4411% | 827 |
| Cash dividends to net income (ytd only)* | 46.0299% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0712% | 3,227 |
| Loan loss allowance to noncurrent loans | 20.3483% | 4,459 |
| Noncurrent assets plus other real estate owned to assets | 2.6241% | 206 |
| Noncurrent loans to loans | 5.2643% | 97 |
| Net loans and leases to total assets | 49.3125% | 4,190 |
| Net loans and leases to deposits | 60.8686% | 4,070 |
| Net loans and leases to core deposits | 64.3042% | 4,059 |
| Total domestic deposits to total assets | 81.0146% | 3,604 |
| Equity capital to assets | 13.8963% | 879 |
| Core capital (leverage) ratio | 13.5140% | 869 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,958,000 | 3,818 |
| Average earning assets | $108,846,667 | 3,758 |
| Average equity | $15,934,000 | 3,555 |
| Average total loans | $55,607,000 | 4,027 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7179% | 4,357 |
| Cost of funding earning assets | 0.9624% | 1,595 |
| Net interest margin | 2.7555% | 4,615 |
| Noninterest income to average assets | 0.1849% | 4,439 |
| Noninterest expense to average assets | 1.1672% | 5,032 |
| Loan and lease loss provision to assets | 0.0362% | 3,319 |
| Net operating income to assets | 1.2934% | 1,263 |
| Return on assets (ROA) | 1.4137% | 1,026 |
| Pretax return on assets | 1.7907% | 716 |
| Return on Equity (ROE) | 9.9426% | 1,763 |
| Retained earnings to average equity (ytd only) | 4.8438% | 2,345 |
| Net charge-offs to loans | 0.0222% | 1,920 |
| Credit loss provision to net charge-offs | 333.3333% | 1,098 |
| Earnings coverage of net charge-offs (x) | 154.0000% | 424 |
| Efficiency ratio | 41.0714% | 4,966 |
| Assets per employee ($millions) | 8.6499% | 597 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 47.5807% | 4,359 |
| Net loans and leases to deposits | 58.8519% | 4,253 |
| Net loans and leases to core deposits | 65.6668% | 4,098 |
| Total domestic deposits to total assets | 80.8482% | 3,700 |
| Equity capital to assets | 14.1264% | 1,022 |
| Core capital (leverage) ratio | 14.0037% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2016% | 433 |
| Memoranda: | ||
| Average total assets | $110,349,500 | 3,842 |
| Average earning assets | $106,404,000 | 3,781 |
| Average equity | $15,690,000 | 3,589 |
| Average total loans | $53,957,500 | 4,070 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9193% | 4,395 |
| Cost of funding earning assets | 0.9958% | 1,742 |
| Net interest margin | 2.9235% | 4,628 |
| Noninterest income to average assets | 0.2289% | 4,296 |
| Noninterest expense to average assets | 1.2061% | 5,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4493% | 1,191 |
| Return on assets (ROA) | 1.4478% | 1,261 |
| Pretax return on assets | 1.8306% | 874 |
| Return on Equity (ROE) | 10.6174% | 2,043 |
| Retained earnings to average equity (ytd only) | 5.2449% | 2,291 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6926% | 5,073 |
| Assets per employee ($millions) | 8.3269% | 634 |
| Cash dividends to net income (ytd only)* | 50.6009% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1039% | 2,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 49.1603% | 4,364 |
| Net loans and leases to deposits | 60.9506% | 4,244 |
| Net loans and leases to core deposits | 68.2974% | 4,063 |
| Total domestic deposits to total assets | 80.6559% | 3,844 |
| Equity capital to assets | 14.3141% | 991 |
| Core capital (leverage) ratio | 13.8956% | 953 |
| Tier 1 risk-based capital ratio | 24.4202% | 792 |
| Total risk-based capital ratio | 25.3722% | 800 |
| Memoranda: | ||
| Average total assets | $109,196,800 | 3,842 |
| Average earning assets | $104,941,600 | 3,794 |
| Average equity | $14,890,600 | 3,648 |
| Average total loans | $53,527,600 | 4,111 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 4,507 |
| Cost of funding earning assets | 0.9869% | 1,816 |
| Net interest margin | 2.9341% | 4,717 |
| Noninterest income to average assets | 0.2327% | 4,346 |
| Noninterest expense to average assets | 1.2354% | 5,163 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4372% | 1,362 |
| Return on assets (ROA) | 1.4352% | 1,426 |
| Pretax return on assets | 1.8129% | 1,057 |
| Return on Equity (ROE) | 10.6559% | 2,154 |
| Retained earnings to average equity (ytd only) | 5.2285% | 2,777 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4952% | 5,111 |
| Assets per employee ($millions) | 8.3072% | 622 |
| Cash dividends to net income (ytd only)* | 50.9337% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1022% | 3,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 49.3541% | 4,460 |
| Net loans and leases to deposits | 61.9065% | 4,297 |
| Net loans and leases to core deposits | 69.4404% | 4,079 |
| Total domestic deposits to total assets | 79.7237% | 4,041 |
| Equity capital to assets | 14.1759% | 1,084 |
| Core capital (leverage) ratio | 13.8572% | 1,023 |
| Tier 1 risk-based capital ratio | 23.8058% | 862 |
| Total risk-based capital ratio | 24.7423% | 879 |
| Memoranda: | ||
| Average total assets | $109,433,500 | 3,880 |
| Average earning assets | $105,107,250 | 3,831 |
| Average equity | $14,739,500 | 3,691 |
| Average total loans | $53,457,000 | 4,165 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9062% | 4,542 |
| Cost of funding earning assets | 0.9562% | 1,880 |
| Net interest margin | 2.9499% | 4,758 |
| Noninterest income to average assets | 0.2493% | 4,259 |
| Noninterest expense to average assets | 1.2373% | 5,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4732% | 1,222 |
| Return on assets (ROA) | 1.4702% | 1,284 |
| Pretax return on assets | 1.8487% | 934 |
| Return on Equity (ROE) | 11.1068% | 1,935 |
| Retained earnings to average equity (ytd only) | 5.6084% | 2,466 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0471% | 5,161 |
| Assets per employee ($millions) | 8.4815% | 558 |
| Cash dividends to net income (ytd only)* | 49.5050% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1416% | 2,835 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 46.6497% | 4,618 |
| Net loans and leases to deposits | 58.2316% | 4,507 |
| Net loans and leases to core deposits | 65.0825% | 4,361 |
| Total domestic deposits to total assets | 80.1106% | 4,020 |
| Equity capital to assets | 13.6731% | 1,252 |
| Core capital (leverage) ratio | 13.6141% | 1,074 |
| Tier 1 risk-based capital ratio | 23.9128% | 852 |
| Total risk-based capital ratio | 24.8674% | 864 |
| Memoranda: | ||
| Average total assets | $109,913,670 | 3,899 |
| Average earning assets | $105,832,330 | 3,846 |
| Average equity | $14,549,670 | 3,714 |
| Average total loans | $53,311,670 | 4,192 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9061% | 4,541 |
| Cost of funding earning assets | 0.9169% | 1,933 |
| Net interest margin | 2.9893% | 4,770 |
| Noninterest income to average assets | 0.2479% | 4,238 |
| Noninterest expense to average assets | 1.2612% | 5,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4857% | 1,146 |
| Return on assets (ROA) | 1.4799% | 1,177 |
| Pretax return on assets | 1.8553% | 870 |
| Return on Equity (ROE) | 11.3674% | 1,796 |
| Retained earnings to average equity (ytd only) | 5.7677% | 2,562 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3734% | 5,206 |
| Assets per employee ($millions) | 8.4255% | 577 |
| Cash dividends to net income (ytd only)* | 49.2611% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 3,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 48.1051% | 4,582 |
| Net loans and leases to deposits | 59.4018% | 4,447 |
| Net loans and leases to core deposits | 66.7554% | 4,247 |
| Total domestic deposits to total assets | 80.9826% | 3,973 |
| Equity capital to assets | 13.3213% | 1,284 |
| Core capital (leverage) ratio | 13.5670% | 1,070 |
| Tier 1 risk-based capital ratio | 23.5877% | 874 |
| Total risk-based capital ratio | 24.5359% | 884 |
| Memoranda: | ||
| Average total assets | $109,740,500 | 3,940 |
| Average earning assets | $105,577,500 | 3,891 |
| Average equity | $14,286,500 | 3,762 |
| Average total loans | $53,952,500 | 4,214 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8132% | 4,455 |
| Cost of funding earning assets | 0.8183% | 1,444 |
| Net interest margin | 2.9949% | 4,801 |
| Noninterest income to average assets | 0.1893% | 4,768 |
| Noninterest expense to average assets | 1.1297% | 5,332 |
| Loan and lease loss provision to assets | 0.0135% | 3,874 |
| Net operating income to assets | 1.5329% | 1,038 |
| Return on assets (ROA) | 1.5300% | 1,028 |
| Pretax return on assets | 1.9330% | 659 |
| Return on Equity (ROE) | 12.5293% | 1,531 |
| Retained earnings to average equity (ytd only) | 6.6228% | 1,852 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6803% | 5,322 |
| Assets per employee ($millions) | 9.1625% | 441 |
| Cash dividends to net income (ytd only)* | 47.1420% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,829 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 49.1378% | 4,576 |
| Net loans and leases to deposits | 61.6521% | 4,396 |
| Net loans and leases to core deposits | 67.5794% | 4,262 |
| Total domestic deposits to total assets | 79.7017% | 4,171 |
| Equity capital to assets | 12.7167% | 1,477 |
| Core capital (leverage) ratio | 13.0683% | 1,220 |
| Tier 1 risk-based capital ratio | 22.0524% | 1,024 |
| Total risk-based capital ratio | 22.9557% | 1,047 |
| Memoranda: | ||
| Average total assets | $110,913,000 | 3,928 |
| Average earning assets | $107,050,000 | 3,855 |
| Average equity | $13,544,200 | 3,809 |
| Average total loans | $53,261,000 | 4,237 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7634% | 4,518 |
| Cost of funding earning assets | 0.7946% | 1,366 |
| Net interest margin | 2.9687% | 4,893 |
| Noninterest income to average assets | 0.1967% | 4,799 |
| Noninterest expense to average assets | 1.1263% | 5,405 |
| Loan and lease loss provision to assets | 0.0180% | 3,655 |
| Net operating income to assets | 1.5236% | 1,139 |
| Return on assets (ROA) | 1.5198% | 1,147 |
| Pretax return on assets | 1.9156% | 796 |
| Return on Equity (ROE) | 12.5740% | 1,585 |
| Retained earnings to average equity (ytd only) | 8.6043% | 1,375 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.7515% | 5,381 |
| Assets per employee ($millions) | 9.1745% | 423 |
| Cash dividends to net income (ytd only)* | 31.5707% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,217 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0627% | 4,668 |
| Noncurrent loans to loans | 0.0812% | 4,511 |
| Net loans and leases to total assets | 48.6702% | 4,681 |
| Net loans and leases to deposits | 62.9529% | 4,394 |
| Net loans and leases to core deposits | 69.1786% | 4,236 |
| Total domestic deposits to total assets | 77.3121% | 4,591 |
| Equity capital to assets | 12.3685% | 1,665 |
| Core capital (leverage) ratio | 12.8975% | 1,326 |
| Tier 1 risk-based capital ratio | 21.2964% | 1,141 |
| Total risk-based capital ratio | 22.1721% | 1,170 |
| Memoranda: | ||
| Average total assets | $111,153,750 | 3,966 |
| Average earning assets | $107,383,500 | 3,894 |
| Average equity | $13,434,750 | 3,858 |
| Average total loans | $52,921,000 | 4,292 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7099% | 4,560 |
| Cost of funding earning assets | 0.7568% | 1,341 |
| Net interest margin | 2.9531% | 4,939 |
| Noninterest income to average assets | 0.2170% | 4,722 |
| Noninterest expense to average assets | 1.1318% | 5,467 |
| Loan and lease loss provision to assets | 0.0269% | 3,380 |
| Net operating income to assets | 1.5213% | 1,103 |
| Return on assets (ROA) | 1.5156% | 1,115 |
| Pretax return on assets | 1.9066% | 758 |
| Return on Equity (ROE) | 12.6365% | 1,499 |
| Retained earnings to average equity (ytd only) | 6.6547% | 2,227 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8360% | 5,439 |
| Assets per employee ($millions) | 9.2796% | 406 |
| Cash dividends to net income (ytd only)* | 47.3373% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1348% | 3,069 |
| Loan loss allowance to noncurrent loans | 2,121.4286% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 4,902 |
| Noncurrent loans to loans | 0.0535% | 4,672 |
| Net loans and leases to total assets | 46.4748% | 4,799 |
| Net loans and leases to deposits | 59.6998% | 4,546 |
| Net loans and leases to core deposits | 65.6918% | 4,383 |
| Total domestic deposits to total assets | 77.8474% | 4,614 |
| Equity capital to assets | 12.0004% | 1,855 |
| Core capital (leverage) ratio | 12.5727% | 1,396 |
| Tier 1 risk-based capital ratio | 21.0995% | 1,158 |
| Total risk-based capital ratio | 21.9932% | 1,188 |
| Memoranda: | ||
| Average total assets | $111,507,000 | 3,992 |
| Average earning assets | $107,818,670 | 3,915 |
| Average equity | $13,374,000 | 3,889 |
| Average total loans | $52,502,330 | 4,336 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6392% | 4,618 |
| Cost of funding earning assets | 0.7271% | 1,306 |
| Net interest margin | 2.9121% | 5,010 |
| Noninterest income to average assets | 0.2330% | 4,618 |
| Noninterest expense to average assets | 1.1292% | 5,537 |
| Loan and lease loss provision to assets | 0.0179% | 3,302 |
| Net operating income to assets | 1.5164% | 1,042 |
| Return on assets (ROA) | 1.5164% | 1,043 |
| Pretax return on assets | 1.8999% | 724 |
| Return on Equity (ROE) | 12.6462% | 1,368 |
| Retained earnings to average equity (ytd only) | 6.6669% | 2,426 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0588% | 5,501 |
| Assets per employee ($millions) | 9.3283% | 400 |
| Cash dividends to net income (ytd only)* | 47.2813% | 1,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,304 |
| Loan loss allowance to noncurrent loans | 2,085.7143% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,992 |
| Noncurrent loans to loans | 0.0533% | 4,741 |
| Net loans and leases to total assets | 46.3900% | 4,777 |
| Net loans and leases to deposits | 59.0230% | 4,536 |
| Net loans and leases to core deposits | 64.5811% | 4,385 |
| Total domestic deposits to total assets | 78.5966% | 4,637 |
| Equity capital to assets | 11.9108% | 1,851 |
| Core capital (leverage) ratio | 12.6541% | 1,315 |
| Tier 1 risk-based capital ratio | 21.7656% | 1,091 |
| Total risk-based capital ratio | 22.6669% | 1,112 |
| Memoranda: | ||
| Average total assets | $111,583,000 | 4,036 |
| Average earning assets | $107,826,000 | 3,952 |
| Average equity | $13,379,500 | 3,919 |
| Average total loans | $52,580,500 | 4,377 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6099% | 4,556 |
| Cost of funding earning assets | 0.6856% | 1,106 |
| Net interest margin | 2.9243% | 5,010 |
| Noninterest income to average assets | 0.2374% | 4,717 |
| Noninterest expense to average assets | 1.0889% | 5,601 |
| Loan and lease loss provision to assets | 0.0137% | 4,013 |
| Net operating income to assets | 1.3819% | 1,057 |
| Return on assets (ROA) | 1.3969% | 1,044 |
| Pretax return on assets | 1.9706% | 524 |
| Return on Equity (ROE) | 11.5614% | 1,326 |
| Retained earnings to average equity (ytd only) | 5.4924% | 1,817 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6757% | 5,587 |
| Assets per employee ($millions) | 9.2688% | 407 |
| Cash dividends to net income (ytd only)* | 52.4934% | 2,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0998% | 3,358 |
| 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 | 46.8137% | 4,841 |
| Net loans and leases to deposits | 58.9149% | 4,647 |
| Net loans and leases to core deposits | 64.4211% | 4,511 |
| Total domestic deposits to total assets | 79.4598% | 4,457 |
| Equity capital to assets | 12.0709% | 1,784 |
| Core capital (leverage) ratio | 12.1742% | 1,514 |
| Tier 1 risk-based capital ratio | 21.0034% | 1,143 |
| Total risk-based capital ratio | 21.8974% | 1,179 |
| Memoranda: | ||
| Average total assets | $109,102,400 | 4,080 |
| Average earning assets | $105,016,200 | 4,004 |
| Average equity | $13,181,800 | 3,960 |
| Average total loans | $51,733,200 | 4,414 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6251% | 4,502 |
| Cost of funding earning assets | 0.6721% | 1,110 |
| Net interest margin | 2.9530% | 5,013 |
| Noninterest income to average assets | 0.2358% | 4,799 |
| Noninterest expense to average assets | 1.1003% | 5,665 |
| Loan and lease loss provision to assets | 0.0123% | 3,898 |
| Net operating income to assets | 1.3971% | 1,096 |
| Return on assets (ROA) | 1.4172% | 1,082 |
| Pretax return on assets | 1.9894% | 565 |
| Return on Equity (ROE) | 11.7267% | 1,416 |
| Retained earnings to average equity (ytd only) | 5.6296% | 2,470 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.7970% | 5,640 |
| Assets per employee ($millions) | 9.1607% | 410 |
| Cash dividends to net income (ytd only)* | 51.9930% | 1,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,489 |
| 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 | 47.0262% | 4,884 |
| Net loans and leases to deposits | 59.3718% | 4,669 |
| Net loans and leases to core deposits | 65.0432% | 4,549 |
| Total domestic deposits to total assets | 79.2064% | 4,497 |
| Equity capital to assets | 12.2553% | 1,803 |
| Core capital (leverage) ratio | 12.2482% | 1,540 |
| Tier 1 risk-based capital ratio | 20.5018% | 1,280 |
| Total risk-based capital ratio | 21.3769% | 1,306 |
| Memoranda: | ||
| Average total assets | $108,571,500 | 4,125 |
| Average earning assets | $104,343,500 | 4,061 |
| Average equity | $13,120,750 | 4,008 |
| Average total loans | $51,504,500 | 4,457 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5824% | 4,557 |
| Cost of funding earning assets | 0.6514% | 1,134 |
| Net interest margin | 2.9311% | 5,038 |
| Noninterest income to average assets | 0.2571% | 4,693 |
| Noninterest expense to average assets | 1.0784% | 5,723 |
| Loan and lease loss provision to assets | 0.0185% | 3,596 |
| Net operating income to assets | 1.4140% | 1,031 |
| Return on assets (ROA) | 1.4207% | 1,045 |
| Pretax return on assets | 1.9830% | 545 |
| Return on Equity (ROE) | 11.8120% | 1,355 |
| Retained earnings to average equity (ytd only) | 5.6599% | 2,319 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.1205% | 5,704 |
| Assets per employee ($millions) | 9.1599% | 399 |
| Cash dividends to net income (ytd only)* | 52.0833% | 1,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1067% | 3,552 |
| 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 | 46.6653% | 4,905 |
| Net loans and leases to deposits | 58.8322% | 4,708 |
| Net loans and leases to core deposits | 64.4729% | 4,571 |
| Total domestic deposits to total assets | 79.3193% | 4,554 |
| Equity capital to assets | 12.1244% | 1,848 |
| Core capital (leverage) ratio | 11.9285% | 1,672 |
| Tier 1 risk-based capital ratio | 19.9871% | 1,375 |
| Total risk-based capital ratio | 20.8661% | 1,406 |
| Memoranda: | ||
| Average total assets | $108,119,330 | 4,165 |
| Average earning assets | $103,784,330 | 4,103 |
| Average equity | $13,003,670 | 4,038 |
| Average total loans | $51,249,670 | 4,486 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5403% | 4,575 |
| Cost of funding earning assets | 0.6387% | 1,139 |
| Net interest margin | 2.9016% | 5,082 |
| Noninterest income to average assets | 0.2537% | 4,725 |
| Noninterest expense to average assets | 1.0931% | 5,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4054% | 992 |
| Return on assets (ROA) | 1.4027% | 1,027 |
| Pretax return on assets | 1.9362% | 574 |
| Return on Equity (ROE) | 11.7116% | 1,334 |
| Retained earnings to average equity (ytd only) | 5.4820% | 2,610 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0394% | 5,754 |
| Assets per employee ($millions) | 8.9803% | 431 |
| Cash dividends to net income (ytd only)* | 53.1915% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1227% | 3,566 |
| 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 | 46.0952% | 4,937 |
| Net loans and leases to deposits | 57.7726% | 4,718 |
| Net loans and leases to core deposits | 63.1455% | 4,590 |
| Total domestic deposits to total assets | 79.7873% | 4,661 |
| Equity capital to assets | 12.0486% | 1,801 |
| Core capital (leverage) ratio | 12.1330% | 1,546 |
| Tier 1 risk-based capital ratio | 20.2276% | 1,342 |
| Total risk-based capital ratio | 21.1082% | 1,390 |
| Memoranda: | ||
| Average total assets | $107,219,500 | 4,224 |
| Average earning assets | $102,703,500 | 4,163 |
| Average equity | $12,842,000 | 4,080 |
| Average total loans | $50,940,500 | 4,530 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 4,581 |
| Cost of funding earning assets | 0.6660% | 975 |
| Net interest margin | 2.9082% | 5,128 |
| Noninterest income to average assets | 0.2177% | 5,111 |
| Noninterest expense to average assets | 1.0923% | 5,844 |
| Loan and lease loss provision to assets | 0.0568% | 3,247 |
| Net operating income to assets | 1.3240% | 1,165 |
| Return on assets (ROA) | 1.3356% | 1,185 |
| Pretax return on assets | 1.8580% | 679 |
| Return on Equity (ROE) | 10.9574% | 1,591 |
| Retained earnings to average equity (ytd only) | 4.7448% | 2,516 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.5190% | 5,822 |
| Assets per employee ($millions) | 8.8896% | 436 |
| Cash dividends to net income (ytd only)* | 56.6974% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,756 |
| 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 | 47.8828% | 4,906 |
| Net loans and leases to deposits | 59.7744% | 4,687 |
| Net loans and leases to core deposits | 64.6242% | 4,603 |
| Total domestic deposits to total assets | 80.1059% | 4,551 |
| Equity capital to assets | 11.9053% | 1,872 |
| Core capital (leverage) ratio | 12.0450% | 1,568 |
| Tier 1 risk-based capital ratio | 19.9052% | 1,393 |
| Total risk-based capital ratio | 20.7786% | 1,431 |
| Memoranda: | ||
| Average total assets | $105,648,600 | 4,245 |
| Average earning assets | $100,750,000 | 4,190 |
| Average equity | $12,877,200 | 4,107 |
| Average total loans | $49,931,800 | 4,575 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5798% | 4,607 |
| Cost of funding earning assets | 0.6692% | 952 |
| Net interest margin | 2.9106% | 5,171 |
| Noninterest income to average assets | 0.2239% | 5,132 |
| Noninterest expense to average assets | 1.1032% | 5,906 |
| Loan and lease loss provision to assets | 0.0569% | 3,102 |
| Net operating income to assets | 1.3242% | 1,226 |
| Return on assets (ROA) | 1.3397% | 1,266 |
| Pretax return on assets | 1.8584% | 787 |
| Return on Equity (ROE) | 10.9272% | 1,694 |
| Retained earnings to average equity (ytd only) | 4.7361% | 2,988 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.8088% | 5,881 |
| Assets per employee ($millions) | 9.4685% | 354 |
| Cash dividends to net income (ytd only)* | 56.6574% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 3,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 47.2776% | 5,006 |
| Net loans and leases to deposits | 62.1589% | 4,619 |
| Net loans and leases to core deposits | 66.5734% | 4,569 |
| Total domestic deposits to total assets | 76.0593% | 5,232 |
| Equity capital to assets | 12.6353% | 1,681 |
| Core capital (leverage) ratio | 11.7225% | 1,864 |
| Tier 1 risk-based capital ratio | 19.7228% | 1,498 |
| Total risk-based capital ratio | 20.6025% | 1,543 |
| Memoranda: | ||
| Average total assets | $105,392,000 | 4,288 |
| Average earning assets | $100,413,250 | 4,227 |
| Average equity | $12,921,500 | 4,137 |
| Average total loans | $49,504,000 | 4,632 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5984% | 4,595 |
| Cost of funding earning assets | 0.6628% | 975 |
| Net interest margin | 2.9357% | 5,193 |
| Noninterest income to average assets | 0.2306% | 5,106 |
| Noninterest expense to average assets | 1.0831% | 5,990 |
| Loan and lease loss provision to assets | 0.0567% | 3,006 |
| Net operating income to assets | 1.3564% | 1,149 |
| Return on assets (ROA) | 1.3591% | 1,217 |
| Pretax return on assets | 1.8827% | 727 |
| Return on Equity (ROE) | 11.1976% | 1,574 |
| Retained earnings to average equity (ytd only) | 4.9681% | 2,758 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8798% | 5,970 |
| Assets per employee ($millions) | 9.7031% | 314 |
| Cash dividends to net income (ytd only)* | 55.6328% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0804% | 4,045 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 45.8083% | 5,140 |
| Net loans and leases to deposits | 59.9598% | 4,801 |
| Net loans and leases to core deposits | 64.4992% | 4,709 |
| Total domestic deposits to total assets | 76.3983% | 5,235 |
| Equity capital to assets | 12.3016% | 1,902 |
| Core capital (leverage) ratio | 12.4569% | 1,377 |
| Tier 1 risk-based capital ratio | 20.8639% | 1,285 |
| Total risk-based capital ratio | 21.7126% | 1,332 |
| Memoranda: | ||
| Average total assets | $105,805,000 | 4,318 |
| Average earning assets | $100,488,330 | 4,257 |
| Average equity | $12,842,000 | 4,169 |
| Average total loans | $49,408,670 | 4,668 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6280% | 4,544 |
| Cost of funding earning assets | 0.6607% | 992 |
| Net interest margin | 2.9672% | 5,187 |
| Noninterest income to average assets | 0.2126% | 5,214 |
| Noninterest expense to average assets | 1.0936% | 6,056 |
| Loan and lease loss provision to assets | 0.0570% | 2,805 |
| Net operating income to assets | 1.3629% | 1,110 |
| Return on assets (ROA) | 1.3518% | 1,200 |
| Pretax return on assets | 1.8606% | 754 |
| Return on Equity (ROE) | 11.2144% | 1,529 |
| Retained earnings to average equity (ytd only) | 4.9142% | 2,992 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.1355% | 6,026 |
| Assets per employee ($millions) | 9.4611% | 336 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 4,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 46.8032% | 5,062 |
| Net loans and leases to deposits | 61.7414% | 4,594 |
| Net loans and leases to core deposits | 66.1762% | 4,526 |
| Total domestic deposits to total assets | 75.8052% | 5,426 |
| Equity capital to assets | 12.3078% | 1,825 |
| Core capital (leverage) ratio | 11.5649% | 1,931 |
| Tier 1 risk-based capital ratio | 19.3959% | 1,633 |
| Total risk-based capital ratio | 20.2311% | 1,703 |
| Memoranda: | ||
| Average total assets | $105,340,500 | 4,359 |
| Average earning assets | $99,891,000 | 4,299 |
| Average equity | $12,698,000 | 4,209 |
| Average total loans | $49,399,500 | 4,696 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5985% | 4,682 |
| Cost of funding earning assets | 0.6745% | 939 |
| Net interest margin | 2.9240% | 5,291 |
| Noninterest income to average assets | 0.1811% | 5,505 |
| Noninterest expense to average assets | 1.0528% | 6,111 |
| Loan and lease loss provision to assets | 0.0220% | 3,944 |
| Net operating income to assets | 1.3863% | 1,063 |
| Return on assets (ROA) | 1.4408% | 995 |
| Pretax return on assets | 1.9716% | 568 |
| Return on Equity (ROE) | 12.2122% | 1,251 |
| Retained earnings to average equity (ytd only) | 5.7163% | 1,952 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4288% | 6,111 |
| Assets per employee ($millions) | 9.6917% | 297 |
| Cash dividends to net income (ytd only)* | 53.1915% | 2,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 4,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 46.0252% | 5,159 |
| Net loans and leases to deposits | 59.9650% | 4,783 |
| Net loans and leases to core deposits | 64.7441% | 4,689 |
| Total domestic deposits to total assets | 76.7534% | 5,357 |
| Equity capital to assets | 11.8067% | 2,104 |
| Core capital (leverage) ratio | 11.5901% | 1,893 |
| Tier 1 risk-based capital ratio | 19.4815% | 1,587 |
| Total risk-based capital ratio | 20.2876% | 1,654 |
| Memoranda: | ||
| Average total assets | $104,384,000 | 4,373 |
| Average earning assets | $99,624,000 | 4,301 |
| Average equity | $12,315,600 | 4,242 |
| Average total loans | $48,180,800 | 4,722 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5812% | 4,793 |
| Cost of funding earning assets | 0.6752% | 954 |
| Net interest margin | 2.9060% | 5,402 |
| Noninterest income to average assets | 0.1759% | 5,598 |
| Noninterest expense to average assets | 1.0787% | 6,199 |
| Loan and lease loss provision to assets | 0.0295% | 3,647 |
| Net operating income to assets | 1.3629% | 1,199 |
| Return on assets (ROA) | 1.3972% | 1,163 |
| Pretax return on assets | 1.8993% | 722 |
| Return on Equity (ROE) | 11.8441% | 1,418 |
| Retained earnings to average equity (ytd only) | 5.3124% | 2,713 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.4267% | 6,181 |
| Assets per employee ($millions) | 9.4837% | 325 |
| Cash dividends to net income (ytd only)* | 55.1471% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0275% | 4,601 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.4432% | 5,199 |
| Net loans and leases to deposits | 60.5088% | 4,819 |
| Net loans and leases to core deposits | 64.8334% | 4,772 |
| Total domestic deposits to total assets | 76.7544% | 5,385 |
| Equity capital to assets | 11.9842% | 2,123 |
| Core capital (leverage) ratio | 11.0365% | 2,446 |
| Tier 1 risk-based capital ratio | 18.3446% | 1,942 |
| Total risk-based capital ratio | 19.1387% | 2,025 |
| Memoranda: | ||
| Average total assets | $103,827,750 | 4,430 |
| Average earning assets | $99,516,000 | 4,344 |
| Average equity | $12,247,750 | 4,313 |
| Average total loans | $47,833,250 | 4,788 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5369% | 4,891 |
| Cost of funding earning assets | 0.6760% | 959 |
| Net interest margin | 2.8609% | 5,515 |
| Noninterest income to average assets | 0.1814% | 5,602 |
| Noninterest expense to average assets | 1.0727% | 6,280 |
| Loan and lease loss provision to assets | 0.0444% | 3,224 |
| Net operating income to assets | 1.3437% | 1,209 |
| Return on assets (ROA) | 1.3737% | 1,185 |
| Pretax return on assets | 1.8483% | 819 |
| Return on Equity (ROE) | 11.7076% | 1,469 |
| Retained earnings to average equity (ytd only) | 5.1303% | 2,782 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6755% | 6,254 |
| Assets per employee ($millions) | 9.4214% | 322 |
| Cash dividends to net income (ytd only)* | 56.1798% | 1,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0551% | 4,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 45.6062% | 5,279 |
| Net loans and leases to deposits | 59.1362% | 4,921 |
| Net loans and leases to core deposits | 63.7325% | 4,826 |
| Total domestic deposits to total assets | 77.1207% | 5,441 |
| Equity capital to assets | 11.7904% | 2,168 |
| Core capital (leverage) ratio | 11.0445% | 2,380 |
| Tier 1 risk-based capital ratio | 18.8915% | 1,813 |
| Total risk-based capital ratio | 19.7189% | 1,897 |
| Memoranda: | ||
| Average total assets | $103,663,330 | 4,474 |
| Average earning assets | $99,410,000 | 4,381 |
| Average equity | $12,163,000 | 4,354 |
| Average total loans | $47,460,000 | 4,838 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5690% | 4,779 |
| Cost of funding earning assets | 0.6735% | 983 |
| Net interest margin | 2.8955% | 5,465 |
| Noninterest income to average assets | 0.1620% | 5,766 |
| Noninterest expense to average assets | 1.1304% | 6,344 |
| Loan and lease loss provision to assets | 0.0887% | 2,213 |
| Net operating income to assets | 1.2867% | 1,318 |
| Return on assets (ROA) | 1.3156% | 1,311 |
| Pretax return on assets | 1.7516% | 949 |
| Return on Equity (ROE) | 11.2402% | 1,570 |
| Retained earnings to average equity (ytd only) | 4.6477% | 3,237 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.5526% | 6,294 |
| Assets per employee ($millions) | 8.6411% | 411 |
| Cash dividends to net income (ytd only)* | 58.6510% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0688% | 4,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 5,776 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 44.9905% | 5,270 |
| Net loans and leases to deposits | 58.6183% | 4,872 |
| Net loans and leases to core deposits | 64.0560% | 4,691 |
| Total domestic deposits to total assets | 76.7516% | 5,654 |
| Equity capital to assets | 11.8571% | 2,142 |
| Core capital (leverage) ratio | 11.2212% | 2,217 |
| Tier 1 risk-based capital ratio | 18.9116% | 1,894 |
| Total risk-based capital ratio | 19.7320% | 1,956 |
| Memoranda: | ||
| Average total assets | $103,677,500 | 4,506 |
| Average earning assets | $99,188,500 | 4,424 |
| Average equity | $12,135,000 | 4,392 |
| Average total loans | $47,306,000 | 4,874 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 4,916 |
| Cost of funding earning assets | 0.7521% | 838 |
| Net interest margin | 2.9038% | 5,637 |
| Noninterest income to average assets | 0.1565% | 5,917 |
| Noninterest expense to average assets | 1.1113% | 6,430 |
| Loan and lease loss provision to assets | 0.0147% | 4,315 |
| Net operating income to assets | 1.3422% | 1,202 |
| Return on assets (ROA) | 1.3921% | 1,131 |
| Pretax return on assets | 1.8616% | 698 |
| Return on Equity (ROE) | 12.3159% | 1,319 |
| Retained earnings to average equity (ytd only) | 5.3920% | 2,332 |
| Net charge-offs to loans | -0.0626% | 6,003 |
| Credit loss provision to net charge-offs | -53.5714% | 5,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0442% | 6,424 |
| Assets per employee ($millions) | 8.6385% | 409 |
| Cash dividends to net income (ytd only)* | 56.2193% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 4,972 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 5,873 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 45.3155% | 5,384 |
| Net loans and leases to deposits | 58.7107% | 5,007 |
| Net loans and leases to core deposits | 64.1122% | 4,820 |
| Total domestic deposits to total assets | 77.1845% | 5,572 |
| Equity capital to assets | 11.5520% | 2,383 |
| Core capital (leverage) ratio | 11.0661% | 2,344 |
| Tier 1 risk-based capital ratio | 18.9705% | 1,856 |
| Total risk-based capital ratio | 19.7656% | 1,957 |
| Memoranda: | ||
| Average total assets | $102,222,400 | 4,538 |
| Average earning assets | $97,321,200 | 4,468 |
| Average equity | $11,554,200 | 4,445 |
| Average total loans | $44,726,200 | 5,006 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6449% | 5,020 |
| Cost of funding earning assets | 0.7614% | 841 |
| Net interest margin | 2.8835% | 5,735 |
| Noninterest income to average assets | 0.1780% | 5,850 |
| Noninterest expense to average assets | 1.1335% | 6,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.3515% | 1,246 |
| Return on assets (ROA) | 1.3731% | 1,232 |
| Pretax return on assets | 1.8194% | 854 |
| Return on Equity (ROE) | 12.2162% | 1,422 |
| Retained earnings to average equity (ytd only) | 5.2288% | 2,929 |
| Net charge-offs to loans | -0.0848% | 6,089 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.7645% | 6,479 |
| Assets per employee ($millions) | 8.6335% | 393 |
| Cash dividends to net income (ytd only)* | 57.1974% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 5,141 |
| Loan loss allowance to noncurrent loans | 1,109.5238% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.0405% | 6,008 |
| Noncurrent loans to loans | 0.0916% | 5,671 |
| Net loans and leases to total assets | 43.8129% | 5,536 |
| Net loans and leases to deposits | 56.3653% | 5,219 |
| Net loans and leases to core deposits | 61.5013% | 5,074 |
| Total domestic deposits to total assets | 77.7302% | 5,580 |
| Equity capital to assets | 11.3994% | 2,585 |
| Core capital (leverage) ratio | 10.9554% | 2,529 |
| Tier 1 risk-based capital ratio | 18.9832% | 1,908 |
| Total risk-based capital ratio | 19.7659% | 2,010 |
| Memoranda: | ||
| Average total assets | $101,862,500 | 4,606 |
| Average earning assets | $97,008,500 | 4,523 |
| Average equity | $11,449,000 | 4,497 |
| Average total loans | $44,043,750 | 5,089 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6087% | 5,129 |
| Cost of funding earning assets | 0.7749% | 808 |
| Net interest margin | 2.8338% | 5,845 |
| Noninterest income to average assets | 0.1797% | 5,871 |
| Noninterest expense to average assets | 1.1295% | 6,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3137% | 1,267 |
| Return on assets (ROA) | 1.3329% | 1,271 |
| Pretax return on assets | 1.7693% | 900 |
| Return on Equity (ROE) | 11.9167% | 1,449 |
| Retained earnings to average equity (ytd only) | 4.8549% | 3,050 |
| Net charge-offs to loans | -0.0506% | 5,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.3127% | 6,535 |
| Assets per employee ($millions) | 8.4516% | 409 |
| Cash dividends to net income (ytd only)* | 59.2593% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 5,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 42.2929% | 5,659 |
| Net loans and leases to deposits | 54.2654% | 5,336 |
| Net loans and leases to core deposits | 58.2801% | 5,254 |
| Total domestic deposits to total assets | 77.9371% | 5,644 |
| Equity capital to assets | 11.5225% | 2,404 |
| Core capital (leverage) ratio | 10.9909% | 2,439 |
| Tier 1 risk-based capital ratio | 19.4287% | 1,818 |
| Total risk-based capital ratio | 20.2127% | 1,894 |
| Memoranda: | ||
| Average total assets | $101,282,670 | 4,651 |
| Average earning assets | $96,268,000 | 4,571 |
| Average equity | $11,328,670 | 4,533 |
| Average total loans | $43,439,330 | 5,152 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5704% | 5,243 |
| Cost of funding earning assets | 0.7874% | 794 |
| Net interest margin | 2.7830% | 5,969 |
| Noninterest income to average assets | 0.1897% | 5,830 |
| Noninterest expense to average assets | 1.1579% | 6,644 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2770% | 1,276 |
| Return on assets (ROA) | 1.3160% | 1,217 |
| Pretax return on assets | 1.7231% | 928 |
| Return on Equity (ROE) | 11.9462% | 1,422 |
| Retained earnings to average equity (ytd only) | 4.7713% | 3,253 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9218% | 6,572 |
| Assets per employee ($millions) | 8.4882% | 402 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0141% | 5,462 |
| Loan loss allowance to noncurrent loans | 503.4483% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 5,997 |
| Noncurrent loans to loans | 0.2014% | 5,490 |
| Net loans and leases to total assets | 41.9722% | 5,674 |
| Net loans and leases to deposits | 53.1979% | 5,360 |
| Net loans and leases to core deposits | 56.7560% | 5,298 |
| Total domestic deposits to total assets | 78.8981% | 5,702 |
| Equity capital to assets | 11.1174% | 2,609 |
| Core capital (leverage) ratio | 10.8932% | 2,498 |
| Tier 1 risk-based capital ratio | 19.1420% | 1,923 |
| Total risk-based capital ratio | 19.9052% | 2,035 |
| Memoranda: | ||
| Average total assets | $101,214,500 | 4,703 |
| Average earning assets | $96,011,000 | 4,628 |
| Average equity | $11,150,000 | 4,577 |
| Average total loans | $43,488,000 | 5,186 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5063% | 5,627 |
| Cost of funding earning assets | 0.8430% | 980 |
| Net interest margin | 2.6633% | 6,188 |
| Noninterest income to average assets | 0.1901% | 5,949 |
| Noninterest expense to average assets | 1.0890% | 6,735 |
| Loan and lease loss provision to assets | -0.0428% | 6,360 |
| Net operating income to assets | 1.3012% | 1,248 |
| Return on assets (ROA) | 1.3050% | 1,277 |
| Pretax return on assets | 1.6932% | 970 |
| Return on Equity (ROE) | 11.7541% | 1,504 |
| Retained earnings to average equity (ytd only) | 4.5815% | 2,897 |
| Net charge-offs to loans | -0.1336% | 6,545 |
| Credit loss provision to net charge-offs | 81.1321% | 3,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.8253% | 6,692 |
| Assets per employee ($millions) | 8.3809% | 406 |
| Cash dividends to net income (ytd only)* | 61.0221% | 1,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 5,565 |
| Loan loss allowance to noncurrent loans | 374.3590% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.1163% | 5,982 |
| Noncurrent loans to loans | 0.2672% | 5,384 |
| Net loans and leases to total assets | 43.1019% | 5,750 |
| Net loans and leases to deposits | 54.4648% | 5,434 |
| Net loans and leases to core deposits | 58.9528% | 5,311 |
| Total domestic deposits to total assets | 79.1371% | 5,625 |
| Equity capital to assets | 10.9137% | 2,694 |
| Core capital (leverage) ratio | 10.9554% | 2,434 |
| Tier 1 risk-based capital ratio | 20.2440% | 1,601 |
| Total risk-based capital ratio | 21.0610% | 1,668 |
| Memoranda: | ||
| Average total assets | $100,458,000 | 4,729 |
| Average earning assets | $95,971,000 | 4,618 |
| Average equity | $11,153,600 | 4,606 |
| Average total loans | $39,671,000 | 5,361 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4766% | 5,739 |
| Cost of funding earning assets | 0.8473% | 1,066 |
| Net interest margin | 2.6293% | 6,279 |
| Noninterest income to average assets | 0.2084% | 5,927 |
| Noninterest expense to average assets | 1.1019% | 6,811 |
| Loan and lease loss provision to assets | -0.0969% | 6,628 |
| Net operating income to assets | 1.3238% | 1,283 |
| Return on assets (ROA) | 1.3289% | 1,328 |
| Pretax return on assets | 1.7272% | 1,042 |
| Return on Equity (ROE) | 11.9185% | 1,496 |
| Retained earnings to average equity (ytd only) | 4.7745% | 3,254 |
| Net charge-offs to loans | -0.1829% | 6,631 |
| Credit loss provision to net charge-offs | 137.7358% | 1,700 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4286% | 6,743 |
| Assets per employee ($millions) | 8.1469% | 439 |
| Cash dividends to net income (ytd only)* | 59.9402% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 5,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 40.0121% | 6,030 |
| Net loans and leases to deposits | 50.1301% | 5,828 |
| Net loans and leases to core deposits | 55.0262% | 5,694 |
| Total domestic deposits to total assets | 79.8165% | 5,556 |
| Equity capital to assets | 11.2456% | 2,518 |
| Core capital (leverage) ratio | 11.0378% | 2,442 |
| Tier 1 risk-based capital ratio | 21.8549% | 1,344 |
| Total risk-based capital ratio | 22.6849% | 1,387 |
| Memoranda: | ||
| Average total assets | $100,429,750 | 4,772 |
| Average earning assets | $96,145,750 | 4,665 |
| Average equity | $11,198,000 | 4,645 |
| Average total loans | $38,642,250 | 5,452 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 5,759 |
| Cost of funding earning assets | 0.8420% | 1,189 |
| Net interest margin | 2.6231% | 6,307 |
| Noninterest income to average assets | 0.1658% | 6,225 |
| Noninterest expense to average assets | 1.0719% | 6,862 |
| Loan and lease loss provision to assets | -0.1441% | 6,747 |
| Net operating income to assets | 1.3406% | 1,224 |
| Return on assets (ROA) | 1.3482% | 1,290 |
| Pretax return on assets | 1.7568% | 1,003 |
| Return on Equity (ROE) | 12.1250% | 1,451 |
| Retained earnings to average equity (ytd only) | 5.0240% | 3,043 |
| Net charge-offs to loans | -0.4016% | 6,801 |
| Credit loss provision to net charge-offs | 94.8052% | 2,337 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0738% | 6,799 |
| Assets per employee ($millions) | 8.2588% | 419 |
| Cash dividends to net income (ytd only)* | 58.5652% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 5,290 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 37.8998% | 6,186 |
| Net loans and leases to deposits | 46.8944% | 6,050 |
| Net loans and leases to core deposits | 51.1598% | 5,949 |
| Total domestic deposits to total assets | 80.8195% | 5,395 |
| Equity capital to assets | 10.9358% | 2,811 |
| Core capital (leverage) ratio | 10.8261% | 2,531 |
| Tier 1 risk-based capital ratio | 21.0529% | 1,474 |
| Total risk-based capital ratio | 21.9089% | 1,544 |
| Memoranda: | ||
| Average total assets | $101,318,670 | 4,781 |
| Average earning assets | $96,907,330 | 4,674 |
| Average equity | $11,266,000 | 4,670 |
| Average total loans | $38,348,000 | 5,494 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4489% | 5,836 |
| Cost of funding earning assets | 0.8438% | 1,283 |
| Net interest margin | 2.6051% | 6,367 |
| Noninterest income to average assets | 0.1914% | 6,104 |
| Noninterest expense to average assets | 1.1130% | 6,930 |
| Loan and lease loss provision to assets | 0.0078% | 4,350 |
| Net operating income to assets | 1.2341% | 1,422 |
| Return on assets (ROA) | 1.2341% | 1,534 |
| Pretax return on assets | 1.5543% | 1,415 |
| Return on Equity (ROE) | 11.0105% | 1,702 |
| Retained earnings to average equity (ytd only) | 4.0418% | 3,803 |
| Net charge-offs to loans | -0.0208% | 5,730 |
| Credit loss provision to net charge-offs | -100.0000% | 5,136 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6058% | 6,843 |
| Assets per employee ($millions) | 8.4473% | 405 |
| Cash dividends to net income (ytd only)* | 63.2911% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1317% | 5,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 37.2311% | 6,204 |
| Net loans and leases to deposits | 45.8516% | 6,066 |
| Net loans and leases to core deposits | 49.6808% | 5,992 |
| Total domestic deposits to total assets | 81.1990% | 5,450 |
| Equity capital to assets | 11.3341% | 2,597 |
| Core capital (leverage) ratio | 10.4252% | 2,874 |
| Tier 1 risk-based capital ratio | 20.4730% | 1,657 |
| Total risk-based capital ratio | 21.3187% | 1,723 |
| Memoranda: | ||
| Average total assets | $102,425,000 | 4,802 |
| Average earning assets | $97,655,000 | 4,698 |
| Average equity | $11,480,000 | 4,680 |
| Average total loans | $38,525,500 | 5,527 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8647% | 5,681 |
| Cost of funding earning assets | 1.0366% | 1,180 |
| Net interest margin | 2.8281% | 6,354 |
| Noninterest income to average assets | 0.1533% | 6,268 |
| Noninterest expense to average assets | 1.0835% | 6,997 |
| Loan and lease loss provision to assets | 0.0062% | 5,846 |
| Net operating income to assets | 1.3606% | 1,176 |
| Return on assets (ROA) | 1.5114% | 991 |
| Pretax return on assets | 1.9526% | 670 |
| Return on Equity (ROE) | 13.0569% | 1,212 |
| Retained earnings to average equity (ytd only) | 5.8975% | 2,142 |
| Net charge-offs to loans | -0.0028% | 6,348 |
| Credit loss provision to net charge-offs | -600.0000% | 6,532 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0640% | 6,970 |
| Assets per employee ($millions) | 9.4075% | 289 |
| Cash dividends to net income (ytd only)* | 54.8321% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 5,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 37.1568% | 6,360 |
| Net loans and leases to deposits | 44.9136% | 6,313 |
| Net loans and leases to core deposits | 49.6757% | 6,166 |
| Total domestic deposits to total assets | 82.7295% | 4,835 |
| Equity capital to assets | 11.0849% | 2,853 |
| Core capital (leverage) ratio | 10.4542% | 2,824 |
| Tier 1 risk-based capital ratio | 20.8336% | 1,493 |
| Total risk-based capital ratio | 21.6958% | 1,544 |
| Memoranda: | ||
| Average total assets | $96,535,600 | 4,925 |
| Average earning assets | $91,934,400 | 4,813 |
| Average equity | $11,174,200 | 4,725 |
| Average total loans | $35,855,800 | 5,686 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9829% | 5,562 |
| Cost of funding earning assets | 1.0728% | 1,184 |
| Net interest margin | 2.9101% | 6,338 |
| Noninterest income to average assets | 0.1125% | 6,572 |
| Noninterest expense to average assets | 1.1097% | 7,096 |
| Loan and lease loss provision to assets | 0.0084% | 5,702 |
| Net operating income to assets | 1.3640% | 1,299 |
| Return on assets (ROA) | 1.5232% | 1,087 |
| Pretax return on assets | 1.9747% | 741 |
| Return on Equity (ROE) | 13.0086% | 1,332 |
| Retained earnings to average equity (ytd only) | 7.6034% | 1,795 |
| Net charge-offs to loans | -0.0038% | 6,250 |
| Credit loss provision to net charge-offs | -600.0000% | 6,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.4503% | 7,037 |
| Assets per employee ($millions) | 8.6395% | 376 |
| Cash dividends to net income (ytd only)* | 41.5517% | 2,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 5,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2199% | 6,160 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 37.4340% | 6,452 |
| Net loans and leases to deposits | 46.2674% | 6,365 |
| Net loans and leases to core deposits | 51.9684% | 6,182 |
| Total domestic deposits to total assets | 80.9079% | 5,393 |
| Equity capital to assets | 12.1767% | 2,129 |
| Core capital (leverage) ratio | 10.8666% | 2,525 |
| Tier 1 risk-based capital ratio | 21.6411% | 1,394 |
| Total risk-based capital ratio | 22.5390% | 1,426 |
| Memoranda: | ||
| Average total assets | $94,798,750 | 5,018 |
| Average earning assets | $90,350,250 | 4,899 |
| Average equity | $11,100,000 | 4,783 |
| Average total loans | $35,100,000 | 5,793 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0069% | 5,620 |
| Cost of funding earning assets | 1.0881% | 1,267 |
| Net interest margin | 2.9187% | 6,399 |
| Noninterest income to average assets | 0.1668% | 6,344 |
| Noninterest expense to average assets | 1.1698% | 7,153 |
| Loan and lease loss provision to assets | 0.0127% | 5,508 |
| Net operating income to assets | 1.3606% | 1,283 |
| Return on assets (ROA) | 1.5752% | 983 |
| Pretax return on assets | 2.0439% | 637 |
| Return on Equity (ROE) | 13.6347% | 1,202 |
| Retained earnings to average equity (ytd only) | 8.1516% | 1,584 |
| Net charge-offs to loans | -0.0057% | 6,188 |
| Credit loss provision to net charge-offs | -600.0000% | 6,317 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.6848% | 7,068 |
| Assets per employee ($millions) | 8.6922% | 361 |
| Cash dividends to net income (ytd only)* | 40.2145% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2093% | 5,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2186% | 6,231 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 36.4821% | 6,585 |
| Net loans and leases to deposits | 44.5486% | 6,521 |
| Net loans and leases to core deposits | 49.7334% | 6,351 |
| Total domestic deposits to total assets | 81.8928% | 5,173 |
| Equity capital to assets | 11.8466% | 2,273 |
| Core capital (leverage) ratio | 10.5533% | 2,753 |
| Tier 1 risk-based capital ratio | 21.1211% | 1,458 |
| Total risk-based capital ratio | 22.0116% | 1,500 |
| Memoranda: | ||
| Average total assets | $94,720,330 | 5,047 |
| Average earning assets | $90,245,000 | 4,922 |
| Average equity | $10,942,670 | 4,822 |
| Average total loans | $34,799,000 | 5,838 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0662% | 5,560 |
| Cost of funding earning assets | 1.1219% | 1,289 |
| Net interest margin | 2.9443% | 6,401 |
| Noninterest income to average assets | 0.1570% | 6,447 |
| Noninterest expense to average assets | 1.2220% | 7,204 |
| Loan and lease loss provision to assets | 0.0127% | 5,148 |
| Net operating income to assets | 1.3666% | 1,286 |
| Return on assets (ROA) | 1.4638% | 1,224 |
| Pretax return on assets | 1.8627% | 943 |
| Return on Equity (ROE) | 12.8366% | 1,454 |
| Retained earnings to average equity (ytd only) | 7.2555% | 2,299 |
| Net charge-offs to loans | -0.0116% | 5,992 |
| Credit loss provision to net charge-offs | -300.0000% | 5,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0842% | 7,082 |
| Assets per employee ($millions) | 8.6120% | 377 |
| Cash dividends to net income (ytd only)* | 43.4783% | 1,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2397% | 5,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2322% | 6,303 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 35.6553% | 6,644 |
| Net loans and leases to deposits | 43.3951% | 6,591 |
| Net loans and leases to core deposits | 48.8566% | 6,406 |
| Total domestic deposits to total assets | 82.1644% | 5,238 |
| Equity capital to assets | 11.4871% | 2,455 |
| Core capital (leverage) ratio | 10.4437% | 2,819 |
| Tier 1 risk-based capital ratio | 21.0924% | 1,474 |
| Total risk-based capital ratio | 21.9978% | 1,509 |
| Memoranda: | ||
| Average total assets | $94,273,500 | 5,095 |
| Average earning assets | $90,208,000 | 4,960 |
| Average equity | $10,750,500 | 4,871 |
| Average total loans | $34,544,000 | 5,894 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 4,672 |
| Cost of funding earning assets | 1.2622% | 1,667 |
| Net interest margin | 3.3406% | 5,681 |
| Noninterest income to average assets | 0.1872% | 6,160 |
| Noninterest expense to average assets | 1.1128% | 7,279 |
| Loan and lease loss provision to assets | 0.0211% | 6,307 |
| Net operating income to assets | 1.6966% | 553 |
| Return on assets (ROA) | 1.8113% | 485 |
| Pretax return on assets | 2.3941% | 255 |
| Return on Equity (ROE) | 15.7808% | 634 |
| Retained earnings to average equity (ytd only) | 7.1156% | 1,441 |
| Net charge-offs to loans | -0.0231% | 6,974 |
| Credit loss provision to net charge-offs | -225.0000% | 6,756 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.9522% | 7,277 |
| Assets per employee ($millions) | 8.5286% | 389 |
| Cash dividends to net income (ytd only)* | 54.9096% | 1,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,372 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2569% | 6,324 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.7393% | 6,721 |
| Net loans and leases to deposits | 44.8170% | 6,683 |
| Net loans and leases to core deposits | 50.3087% | 6,516 |
| Total domestic deposits to total assets | 81.9762% | 5,135 |
| Equity capital to assets | 11.3191% | 2,667 |
| Core capital (leverage) ratio | 10.5406% | 2,674 |
| Tier 1 risk-based capital ratio | 20.6982% | 1,479 |
| Total risk-based capital ratio | 21.5961% | 1,531 |
| Memoranda: | ||
| Average total assets | $85,461,200 | 5,296 |
| Average earning assets | $81,603,200 | 5,183 |
| Average equity | $9,809,400 | 5,067 |
| Average total loans | $34,632,200 | 5,930 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6604% | 4,633 |
| Cost of funding earning assets | 1.2849% | 1,786 |
| Net interest margin | 3.3755% | 5,649 |
| Noninterest income to average assets | 0.1887% | 6,252 |
| Noninterest expense to average assets | 1.1722% | 7,352 |
| Loan and lease loss provision to assets | 0.0224% | 6,163 |
| Net operating income to assets | 1.6842% | 658 |
| Return on assets (ROA) | 1.7863% | 580 |
| Pretax return on assets | 2.3508% | 331 |
| Return on Equity (ROE) | 15.5022% | 746 |
| Retained earnings to average equity (ytd only) | 7.1752% | 1,874 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.3647% | 7,329 |
| Assets per employee ($millions) | 8.0525% | 460 |
| Cash dividends to net income (ytd only)* | 53.7152% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 5,679 |
| Loan loss allowance to noncurrent loans | 582.8571% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.3737% | 6,142 |
| Noncurrent loans to loans | 0.1973% | 6,475 |
| Net loans and leases to total assets | 39.5915% | 6,667 |
| Net loans and leases to deposits | 49.1720% | 6,549 |
| Net loans and leases to core deposits | 55.4529% | 6,353 |
| Total domestic deposits to total assets | 80.5164% | 5,593 |
| Equity capital to assets | 11.8688% | 2,360 |
| Core capital (leverage) ratio | 11.0022% | 2,388 |
| Tier 1 risk-based capital ratio | 20.4262% | 1,583 |
| Total risk-based capital ratio | 21.3035% | 1,642 |
| Memoranda: | ||
| Average total assets | $83,372,750 | 5,393 |
| Average earning assets | $79,591,000 | 5,280 |
| Average equity | $9,607,000 | 5,153 |
| Average total loans | $34,568,500 | 5,990 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6337% | 4,826 |
| Cost of funding earning assets | 1.3008% | 1,938 |
| Net interest margin | 3.3329% | 5,764 |
| Noninterest income to average assets | 0.2058% | 6,194 |
| Noninterest expense to average assets | 1.1833% | 7,428 |
| Loan and lease loss provision to assets | 0.0220% | 6,015 |
| Net operating income to assets | 1.6687% | 640 |
| Return on assets (ROA) | 1.7320% | 608 |
| Pretax return on assets | 2.2661% | 370 |
| Return on Equity (ROE) | 15.1961% | 763 |
| Retained earnings to average equity (ytd only) | 6.5986% | 2,082 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9241% | 7,403 |
| Assets per employee ($millions) | 7.5846% | 545 |
| Cash dividends to net income (ytd only)* | 56.5771% | 1,462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2206% | 5,461 |
| Loan loss allowance to noncurrent loans | 575.7143% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.3967% | 6,148 |
| Noncurrent loans to loans | 0.2120% | 6,482 |
| Net loans and leases to total assets | 39.0898% | 6,794 |
| Net loans and leases to deposits | 48.9758% | 6,668 |
| Net loans and leases to core deposits | 54.3396% | 6,538 |
| Total domestic deposits to total assets | 79.8145% | 5,879 |
| Equity capital to assets | 11.7127% | 2,320 |
| Core capital (leverage) ratio | 11.1284% | 2,158 |
| Tier 1 risk-based capital ratio | 21.4765% | 1,331 |
| Total risk-based capital ratio | 22.4082% | 1,371 |
| Memoranda: | ||
| Average total assets | $81,638,000 | 5,492 |
| Average earning assets | $77,951,000 | 5,371 |
| Average equity | $9,305,000 | 5,234 |
| Average total loans | $34,265,670 | 6,055 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 4,856 |
| Cost of funding earning assets | 1.3122% | 2,114 |
| Net interest margin | 3.3090% | 5,745 |
| Noninterest income to average assets | 0.1783% | 6,445 |
| Noninterest expense to average assets | 1.1890% | 7,491 |
| Loan and lease loss provision to assets | 0.0248% | 5,653 |
| Net operating income to assets | 1.6356% | 640 |
| Return on assets (ROA) | 1.6547% | 653 |
| Pretax return on assets | 2.1501% | 431 |
| Return on Equity (ROE) | 14.7274% | 870 |
| Retained earnings to average equity (ytd only) | 5.9086% | 2,695 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.6083% | 7,453 |
| Assets per employee ($millions) | 8.1252% | 449 |
| Cash dividends to net income (ytd only)* | 59.8802% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1694% | 5,771 |
| Loan loss allowance to noncurrent loans | 554.1667% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.4431% | 6,104 |
| Noncurrent loans to loans | 0.2110% | 6,551 |
| Net loans and leases to total assets | 41.5030% | 6,669 |
| Net loans and leases to deposits | 51.4471% | 6,519 |
| Net loans and leases to core deposits | 57.1308% | 6,333 |
| Total domestic deposits to total assets | 80.6712% | 5,762 |
| Equity capital to assets | 11.3597% | 2,372 |
| Core capital (leverage) ratio | 11.0565% | 2,147 |
| Tier 1 risk-based capital ratio | 20.9573% | 1,405 |
| Total risk-based capital ratio | 21.8746% | 1,431 |
| Memoranda: | ||
| Average total assets | $80,741,500 | 5,570 |
| Average earning assets | $77,122,500 | 5,444 |
| Average equity | $9,071,500 | 5,298 |
| Average total loans | $34,890,500 | 6,084 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1203% | 4,005 |
| Cost of funding earning assets | 1.4950% | 2,674 |
| Net interest margin | 3.6253% | 4,702 |
| Noninterest income to average assets | 0.1948% | 6,382 |
| Noninterest expense to average assets | 1.4378% | 7,466 |
| Loan and lease loss provision to assets | 0.0784% | 6,374 |
| Net operating income to assets | 1.6430% | 576 |
| Return on assets (ROA) | 1.6430% | 622 |
| Pretax return on assets | 2.1175% | 379 |
| Return on Equity (ROE) | 13.9490% | 887 |
| Retained earnings to average equity (ytd only) | 6.1811% | 1,727 |
| Net charge-offs to loans | -0.0400% | 7,426 |
| Credit loss provision to net charge-offs | -400.0000% | 7,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5683% | 7,511 |
| Assets per employee ($millions) | 8.0231% | 474 |
| Cash dividends to net income (ytd only)* | 55.6881% | 1,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1077% | 5,928 |
| Loan loss allowance to noncurrent loans | 541.0959% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 6,143 |
| Noncurrent loans to loans | 0.2047% | 6,657 |
| Net loans and leases to total assets | 43.9543% | 6,714 |
| Net loans and leases to deposits | 54.9522% | 6,524 |
| Net loans and leases to core deposits | 61.5810% | 6,267 |
| Total domestic deposits to total assets | 79.9865% | 5,835 |
| Equity capital to assets | 11.1092% | 2,589 |
| Core capital (leverage) ratio | 11.4572% | 1,854 |
| Tier 1 risk-based capital ratio | 20.2521% | 1,442 |
| Total risk-based capital ratio | 21.1427% | 1,479 |
| Memoranda: | ||
| Average total assets | $76,506,000 | 5,694 |
| Average earning assets | $72,573,200 | 5,583 |
| Average equity | $9,011,400 | 5,423 |
| Average total loans | $37,456,600 | 6,037 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2367% | 3,652 |
| Cost of funding earning assets | 1.5281% | 2,783 |
| Net interest margin | 3.7085% | 4,363 |
| Noninterest income to average assets | 0.2064% | 6,427 |
| Noninterest expense to average assets | 1.5490% | 7,527 |
| Loan and lease loss provision to assets | 0.1059% | 5,979 |
| Net operating income to assets | 1.6054% | 741 |
| Return on assets (ROA) | 1.6054% | 809 |
| Pretax return on assets | 2.0624% | 544 |
| Return on Equity (ROE) | 13.4274% | 1,153 |
| Retained earnings to average equity (ytd only) | 6.0497% | 2,327 |
| Net charge-offs to loans | 0.0070% | 6,566 |
| Credit loss provision to net charge-offs | 3,000.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 613.7191% | 46 |
| Efficiency ratio | 41.6706% | 7,537 |
| Assets per employee ($millions) | 6.9319% | 791 |
| Cash dividends to net income (ytd only)* | 54.9452% | 1,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,319 |
| Loan loss allowance to noncurrent loans | 510.8108% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.4800% | 6,222 |
| Noncurrent loans to loans | 0.1989% | 6,778 |
| Net loans and leases to total assets | 48.2853% | 6,494 |
| Net loans and leases to deposits | 61.9477% | 6,118 |
| Net loans and leases to core deposits | 70.2151% | 5,724 |
| Total domestic deposits to total assets | 77.9452% | 6,270 |
| Equity capital to assets | 12.4352% | 1,886 |
| Core capital (leverage) ratio | 11.5513% | 1,909 |
| Tier 1 risk-based capital ratio | 20.2128% | 1,507 |
| Total risk-based capital ratio | 21.0779% | 1,551 |
| Memoranda: | ||
| Average total assets | $75,574,750 | 5,789 |
| Average earning assets | $71,544,750 | 5,682 |
| Average equity | $9,036,000 | 5,487 |
| Average total loans | $37,905,750 | 6,101 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2553% | 3,685 |
| Cost of funding earning assets | 1.5800% | 2,770 |
| Net interest margin | 3.6754% | 4,472 |
| Noninterest income to average assets | 0.2177% | 6,362 |
| Noninterest expense to average assets | 1.2343% | 7,726 |
| Loan and lease loss provision to assets | 0.1593% | 5,296 |
| Net operating income to assets | 1.7545% | 522 |
| Return on assets (ROA) | 1.7545% | 571 |
| Pretax return on assets | 2.3066% | 335 |
| Return on Equity (ROE) | 14.8751% | 878 |
| Retained earnings to average equity (ytd only) | 8.1239% | 1,401 |
| Net charge-offs to loans | 0.0105% | 6,203 |
| Credit loss provision to net charge-offs | 3,000.0000% | 138 |
| Earnings coverage of net charge-offs (x) | 464.5000% | 69 |
| Efficiency ratio | 33.3572% | 7,724 |
| Assets per employee ($millions) | 6.9406% | 793 |
| Cash dividends to net income (ytd only)* | 45.3858% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9831% | 6,472 |
| Loan loss allowance to noncurrent loans | 510.8108% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.7152% | 5,703 |
| Noncurrent loans to loans | 0.1925% | 6,869 |
| Net loans and leases to total assets | 49.8644% | 6,445 |
| Net loans and leases to deposits | 63.4426% | 6,095 |
| Net loans and leases to core deposits | 71.4125% | 5,734 |
| Total domestic deposits to total assets | 78.5977% | 6,129 |
| Equity capital to assets | 11.9808% | 2,108 |
| Core capital (leverage) ratio | 11.3859% | 1,978 |
| Tier 1 risk-based capital ratio | 19.5213% | 1,601 |
| Total risk-based capital ratio | 20.3614% | 1,658 |
| Memoranda: | ||
| Average total assets | $75,349,330 | 5,824 |
| Average earning assets | $71,394,000 | 5,725 |
| Average equity | $8,887,330 | 5,536 |
| Average total loans | $38,142,330 | 6,128 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2062% | 3,983 |
| Cost of funding earning assets | 1.5754% | 3,099 |
| Net interest margin | 3.6308% | 4,572 |
| Noninterest income to average assets | 0.1977% | 6,545 |
| Noninterest expense to average assets | 1.2291% | 7,823 |
| Loan and lease loss provision to assets | 0.1603% | 4,926 |
| Net operating income to assets | 1.7101% | 604 |
| Return on assets (ROA) | 1.7101% | 656 |
| Pretax return on assets | 2.2445% | 391 |
| Return on Equity (ROE) | 14.6160% | 939 |
| Retained earnings to average equity (ytd only) | 14.6160% | 445 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.8235% | 7,819 |
| Assets per employee ($millions) | 6.7623% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9391% | 6,710 |
| Loan loss allowance to noncurrent loans | 397.7273% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.7528% | 5,646 |
| Noncurrent loans to loans | 0.2361% | 6,867 |
| Net loans and leases to total assets | 49.6310% | 6,506 |
| Net loans and leases to deposits | 63.0032% | 6,170 |
| Net loans and leases to core deposits | 69.7487% | 5,943 |
| Total domestic deposits to total assets | 78.7753% | 6,133 |
| Equity capital to assets | 12.0226% | 2,029 |
| Core capital (leverage) ratio | 12.1437% | 1,574 |
| Tier 1 risk-based capital ratio | 19.9553% | 1,532 |
| Total risk-based capital ratio | 20.7542% | 1,590 |
| Memoranda: | ||
| Average total assets | $74,850,500 | 5,913 |
| Average earning assets | $70,838,500 | 5,820 |
| Average equity | $8,757,500 | 5,607 |
| Average total loans | $37,989,500 | 6,210 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2808% | 5,281 |
| Cost of funding earning assets | 1.9118% | 3,400 |
| Net interest margin | 3.3689% | 5,496 |
| Noninterest income to average assets | 0.2120% | 6,593 |
| Noninterest expense to average assets | 1.2902% | 7,879 |
| Loan and lease loss provision to assets | 0.1053% | 6,585 |
| Net operating income to assets | 1.5247% | 642 |
| Return on assets (ROA) | 1.5457% | 653 |
| Pretax return on assets | 2.0483% | 371 |
| Return on Equity (ROE) | 13.1215% | 936 |
| Retained earnings to average equity (ytd only) | 4.7790% | 1,933 |
| Net charge-offs to loans | 0.1673% | 5,613 |
| Credit loss provision to net charge-offs | 129.3103% | 3,972 |
| Earnings coverage of net charge-offs (x) | 26.1034% | 860 |
| Efficiency ratio | 37.7723% | 7,888 |
| Assets per employee ($millions) | 6.8469% | 850 |
| Cash dividends to net income (ytd only)* | 63.5786% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 7,057 |
| Loan loss allowance to noncurrent loans | 57.7617% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7356% | 5,638 |
| Noncurrent loans to loans | 1.4311% | 4,530 |
| Net loans and leases to total assets | 50.9732% | 6,533 |
| Net loans and leases to deposits | 65.8316% | 6,069 |
| Net loans and leases to core deposits | 81.9113% | 5,914 |
| Total domestic deposits to total assets | 77.4298% | 6,361 |
| Equity capital to assets | 11.3814% | 2,411 |
| Core capital (leverage) ratio | 11.6682% | 1,834 |
| Tier 1 risk-based capital ratio | 19.4069% | 1,571 |
| Total risk-based capital ratio | 20.1442% | 1,640 |
| Memoranda: | ||
| Average total assets | $71,228,400 | 5,965 |
| Average earning assets | $67,736,400 | 5,878 |
| Average equity | $8,390,800 | 5,809 |
| Average total loans | $34,672,400 | 6,368 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3042% | 5,398 |
| Cost of funding earning assets | 1.9841% | 3,446 |
| Net interest margin | 3.3201% | 5,565 |
| Noninterest income to average assets | 0.2089% | 6,731 |
| Noninterest expense to average assets | 1.3313% | 7,946 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5269% | 768 |
| Return on assets (ROA) | 1.5554% | 779 |
| Pretax return on assets | 2.0776% | 466 |
| Return on Equity (ROE) | 13.0845% | 1,102 |
| Retained earnings to average equity (ytd only) | 5.0964% | 2,435 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4930% | 7,935 |
| Assets per employee ($millions) | 6.3812% | 1,045 |
| Cash dividends to net income (ytd only)* | 61.0502% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8284% | 7,033 |
| Loan loss allowance to noncurrent loans | 58.1574% | 4,476 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 5,647 |
| Noncurrent loans to loans | 1.4244% | 4,540 |
| Net loans and leases to total assets | 51.6761% | 6,634 |
| Net loans and leases to deposits | 69.5298% | 5,973 |
| Net loans and leases to core deposits | 86.2862% | 5,837 |
| Total domestic deposits to total assets | 74.3222% | 6,891 |
| Equity capital to assets | 12.3531% | 2,029 |
| Core capital (leverage) ratio | 11.9057% | 1,844 |
| Tier 1 risk-based capital ratio | 20.2561% | 1,507 |
| Total risk-based capital ratio | 20.9923% | 1,566 |
| Memoranda: | ||
| Average total assets | $70,206,500 | 6,037 |
| Average earning assets | $66,863,250 | 5,940 |
| Average equity | $8,345,500 | 5,869 |
| Average total loans | $33,662,750 | 6,467 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2851% | 5,723 |
| Cost of funding earning assets | 2.0231% | 3,664 |
| Net interest margin | 3.2620% | 5,695 |
| Noninterest income to average assets | 0.2222% | 6,705 |
| Noninterest expense to average assets | 1.3303% | 8,051 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4905% | 853 |
| Return on assets (ROA) | 1.4926% | 910 |
| Pretax return on assets | 1.9997% | 574 |
| Return on Equity (ROE) | 12.7231% | 1,238 |
| Retained earnings to average equity (ytd only) | 0.5827% | 4,961 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.9829% | 8,017 |
| Assets per employee ($millions) | 6.4073% | 1,008 |
| Cash dividends to net income (ytd only)* | 95.4198% | 791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9146% | 6,708 |
| Loan loss allowance to noncurrent loans | 58.1574% | 4,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7392% | 5,563 |
| Noncurrent loans to loans | 1.5725% | 4,142 |
| Net loans and leases to total assets | 46.5778% | 7,157 |
| Net loans and leases to deposits | 60.1532% | 6,877 |
| Net loans and leases to core deposits | 73.6681% | 6,810 |
| Total domestic deposits to total assets | 77.4319% | 6,221 |
| Equity capital to assets | 11.3890% | 2,606 |
| Core capital (leverage) ratio | 11.4737% | 2,102 |
| Tier 1 risk-based capital ratio | 20.6332% | 1,456 |
| Total risk-based capital ratio | 21.4106% | 1,509 |
| Memoranda: | ||
| Average total assets | $70,211,000 | 6,076 |
| Average earning assets | $66,829,670 | 5,981 |
| Average equity | $8,237,000 | 5,940 |
| Average total loans | $32,691,670 | 6,570 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2909% | 5,931 |
| Cost of funding earning assets | 2.0899% | 3,693 |
| Net interest margin | 3.2010% | 5,853 |
| Noninterest income to average assets | 0.1998% | 6,860 |
| Noninterest expense to average assets | 1.2729% | 8,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4727% | 991 |
| Return on assets (ROA) | 1.4727% | 1,067 |
| Pretax return on assets | 1.9693% | 701 |
| Return on Equity (ROE) | 12.3711% | 1,549 |
| Retained earnings to average equity (ytd only) | 7.5761% | 1,990 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2606% | 8,067 |
| Assets per employee ($millions) | 6.4163% | 1,002 |
| Cash dividends to net income (ytd only)* | 38.7597% | 2,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9288% | 6,612 |
| Loan loss allowance to noncurrent loans | 57.1698% | 4,770 |
| Noncurrent assets plus other real estate owned to assets | 0.7509% | 5,282 |
| Noncurrent loans to loans | 1.6247% | 3,841 |
| Net loans and leases to total assets | 45.7912% | 7,204 |
| Net loans and leases to deposits | 59.5413% | 6,931 |
| Net loans and leases to core deposits | 74.9913% | 6,746 |
| Total domestic deposits to total assets | 76.9067% | 6,297 |
| Equity capital to assets | 11.9469% | 2,294 |
| Core capital (leverage) ratio | 11.7138% | 2,037 |
| Tier 1 risk-based capital ratio | 21.0939% | 1,435 |
| Total risk-based capital ratio | 21.8756% | 1,476 |
| Memoranda: | ||
| Average total assets | $70,076,500 | 6,113 |
| Average earning assets | $66,604,500 | 6,016 |
| Average equity | $8,342,000 | 5,937 |
| Average total loans | $32,472,000 | 6,618 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6776% | 6,844 |
| Cost of funding earning assets | 2.4473% | 4,489 |
| Net interest margin | 3.2303% | 6,272 |
| Noninterest income to average assets | 0.2240% | 6,841 |
| Noninterest expense to average assets | 1.2402% | 8,148 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5129% | 992 |
| Return on assets (ROA) | 1.5129% | 961 |
| Pretax return on assets | 2.0385% | 548 |
| Return on Equity (ROE) | 12.6214% | 1,420 |
| Retained earnings to average equity (ytd only) | 7.5372% | 975 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.8253% | 8,162 |
| Assets per employee ($millions) | 6.3249% | 974 |
| Cash dividends to net income (ytd only)* | 40.2820% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 6,462 |
| Loan loss allowance to noncurrent loans | 56.6355% | 5,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7690% | 4,924 |
| Noncurrent loans to loans | 1.6552% | 3,287 |
| Net loans and leases to total assets | 46.0215% | 7,327 |
| Net loans and leases to deposits | 59.8072% | 7,105 |
| Net loans and leases to core deposits | 74.3970% | 6,947 |
| Total domestic deposits to total assets | 76.9497% | 6,008 |
| Equity capital to assets | 11.8608% | 2,380 |
| Core capital (leverage) ratio | 11.6782% | 2,140 |
| Tier 1 risk-based capital ratio | 21.2482% | 1,425 |
| Total risk-based capital ratio | 22.0511% | 1,464 |
| Memoranda: | ||
| Average total assets | $65,635,000 | 6,174 |
| Average earning assets | $62,068,800 | 6,083 |
| Average equity | $7,867,600 | 6,142 |
| Average total loans | $30,117,400 | 6,703 |