Home > Garden Plain State Bank > Performance and Condition Ratios
Garden Plain 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 | 4.8285% | 2,419 |
| Cost of funding earning assets | 0.7933% | 3,753 |
| Net interest margin | 4.0352% | 1,151 |
| Noninterest income to average assets | 0.6800% | 1,254 |
| Noninterest expense to average assets | 1.8843% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.8785% | 542 |
| Return on assets (ROA) | 1.8858% | 520 |
| Pretax return on assets | 2.4645% | 349 |
| Return on Equity (ROE) | 15.1800% | 1,253 |
| Retained earnings to average equity (ytd only) | 14.0644% | 395 |
| Net charge-offs to loans | -0.0442% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 43.4215% | 4,269 |
| Assets per employee ($millions) | 7.7041% | 1,587 |
| Cash dividends to net income (ytd only)* | 7.3629% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2285% | 2,121 |
| Loan loss allowance to noncurrent loans | 14,800.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,819 |
| Noncurrent loans to loans | 0.0083% | 3,712 |
| Net loans and leases to total assets | 34.3200% | 4,205 |
| Net loans and leases to deposits | 40.2461% | 4,196 |
| Net loans and leases to core deposits | 42.1038% | 4,256 |
| Total domestic deposits to total assets | 85.2800% | 2,216 |
| Equity capital to assets | 14.2673% | 636 |
| Core capital (leverage) ratio | 15.7301% | 521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4174% | 396 |
| Memoranda: | ||
| Average total assets | $141,163,200 | 3,447 |
| Average earning assets | $127,949,400 | 3,462 |
| Average equity | $17,533,600 | 3,049 |
| Average total loans | $45,253,400 | 3,909 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6791% | 2,513 |
| Cost of funding earning assets | 0.7387% | 3,680 |
| Net interest margin | 3.9404% | 1,323 |
| Noninterest income to average assets | 0.6900% | 1,217 |
| Noninterest expense to average assets | 1.8205% | 3,937 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.8517% | 598 |
| Return on assets (ROA) | 1.8591% | 583 |
| Pretax return on assets | 2.4525% | 403 |
| Return on Equity (ROE) | 15.5300% | 1,337 |
| Retained earnings to average equity (ytd only) | 13.9924% | 670 |
| Net charge-offs to loans | -0.0479% | 4,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.6996% | 4,288 |
| Assets per employee ($millions) | 7.7338% | 1,489 |
| Cash dividends to net income (ytd only)* | 9.9140% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3049% | 1,850 |
| 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 | 31.9500% | 4,284 |
| Net loans and leases to deposits | 36.6570% | 4,281 |
| Net loans and leases to core deposits | 38.0498% | 4,294 |
| Total domestic deposits to total assets | 87.1500% | 1,843 |
| Equity capital to assets | 12.4267% | 937 |
| Core capital (leverage) ratio | 15.1398% | 602 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4444% | 407 |
| Memoranda: | ||
| Average total assets | $141,785,500 | 3,450 |
| Average earning assets | $128,512,250 | 3,464 |
| Average equity | $16,970,750 | 3,086 |
| Average total loans | $44,520,000 | 3,934 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4855% | 2,681 |
| Cost of funding earning assets | 0.6808% | 3,539 |
| Net interest margin | 3.8047% | 1,610 |
| Noninterest income to average assets | 0.6700% | 1,209 |
| Noninterest expense to average assets | 1.7891% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.7673% | 698 |
| Return on assets (ROA) | 1.7750% | 685 |
| Pretax return on assets | 2.3415% | 438 |
| Return on Equity (ROE) | 15.0200% | 1,465 |
| Retained earnings to average equity (ytd only) | 12.6918% | 857 |
| Net charge-offs to loans | -0.0541% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 43.4161% | 4,285 |
| Assets per employee ($millions) | 7.4538% | 1,628 |
| Cash dividends to net income (ytd only)* | 15.4818% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 1,807 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 30.6300% | 4,313 |
| Net loans and leases to deposits | 35.0562% | 4,315 |
| Net loans and leases to core deposits | 36.3524% | 4,318 |
| Total domestic deposits to total assets | 87.3800% | 1,806 |
| Equity capital to assets | 12.2876% | 977 |
| Core capital (leverage) ratio | 14.6681% | 635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.8104% | 445 |
| Memoranda: | ||
| Average total assets | $142,644,667 | 3,453 |
| Average earning assets | $129,259,667 | 3,471 |
| Average equity | $16,861,333 | 3,116 |
| Average total loans | $44,339,667 | 3,949 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2974% | 2,808 |
| Cost of funding earning assets | 0.6082% | 3,356 |
| Net interest margin | 3.6892% | 1,923 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 1.8972% | 3,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5659% | 1,044 |
| Return on assets (ROA) | 1.5703% | 1,035 |
| Pretax return on assets | 2.0761% | 682 |
| Return on Equity (ROE) | 13.5500% | 1,869 |
| Retained earnings to average equity (ytd only) | 8.8241% | 1,999 |
| Net charge-offs to loans | -0.0359% | 4,273 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.8169% | 4,090 |
| Assets per employee ($millions) | 7.9913% | 1,348 |
| Cash dividends to net income (ytd only)* | 34.8754% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2899% | 2,079 |
| 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 | 30.6400% | 4,355 |
| Net loans and leases to deposits | 34.8770% | 4,356 |
| Net loans and leases to core deposits | 36.0561% | 4,366 |
| Total domestic deposits to total assets | 87.8600% | 1,972 |
| Equity capital to assets | 11.8503% | 1,044 |
| Core capital (leverage) ratio | 13.7673% | 781 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.1779% | 493 |
| Memoranda: | ||
| Average total assets | $143,155,500 | 3,489 |
| Average earning assets | $129,567,500 | 3,511 |
| Average equity | $16,591,000 | 3,169 |
| Average total loans | $44,527,500 | 3,988 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0167% | 4,110 |
| Cost of funding earning assets | 0.3018% | 2,859 |
| Net interest margin | 2.7149% | 4,038 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 1.6266% | 4,274 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1368% | 2,023 |
| Return on assets (ROA) | 1.1444% | 1,936 |
| Pretax return on assets | 1.4804% | 1,512 |
| Return on Equity (ROE) | 10.2400% | 2,736 |
| Retained earnings to average equity (ytd only) | 9.0262% | 1,472 |
| Net charge-offs to loans | -0.0863% | 4,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 52.5167% | 3,936 |
| Assets per employee ($millions) | 8.3804% | 1,148 |
| Cash dividends to net income (ytd only)* | 11.8143% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7838% | 678 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 30.6100% | 4,377 |
| Net loans and leases to deposits | 34.5530% | 4,381 |
| Net loans and leases to core deposits | 35.3364% | 4,388 |
| Total domestic deposits to total assets | 88.5900% | 1,848 |
| Equity capital to assets | 11.3261% | 1,136 |
| Core capital (leverage) ratio | 13.5104% | 815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.5155% | 448 |
| Memoranda: | ||
| Average total assets | $144,961,200 | 3,492 |
| Average earning assets | $134,850,800 | 3,473 |
| Average equity | $16,208,400 | 3,254 |
| Average total loans | $47,499,200 | 3,933 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6952% | 4,297 |
| Cost of funding earning assets | 0.2538% | 2,662 |
| Net interest margin | 2.4413% | 4,271 |
| Noninterest income to average assets | 0.5800% | 1,791 |
| Noninterest expense to average assets | 1.5615% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0229% | 2,395 |
| Return on assets (ROA) | 1.0330% | 2,319 |
| Pretax return on assets | 1.3133% | 2,001 |
| Return on Equity (ROE) | 9.2700% | 2,946 |
| Retained earnings to average equity (ytd only) | 7.6581% | 2,130 |
| Net charge-offs to loans | -0.1077% | 4,509 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 54.5600% | 3,772 |
| Assets per employee ($millions) | 8.1099% | 1,266 |
| Cash dividends to net income (ytd only)* | 17.3759% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 1,083 |
| 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 | 33.4900% | 4,319 |
| Net loans and leases to deposits | 37.3259% | 4,330 |
| Net loans and leases to core deposits | 38.1892% | 4,340 |
| Total domestic deposits to total assets | 89.7300% | 1,770 |
| Equity capital to assets | 10.1967% | 1,527 |
| Core capital (leverage) ratio | 13.0310% | 901 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.7082% | 666 |
| Memoranda: | ||
| Average total assets | $145,584,750 | 3,506 |
| Average earning assets | $136,041,750 | 3,484 |
| Average equity | $16,226,500 | 3,291 |
| Average total loans | $48,274,000 | 3,940 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4405% | 4,428 |
| Cost of funding earning assets | 0.2429% | 2,361 |
| Net interest margin | 2.1976% | 4,435 |
| Noninterest income to average assets | 0.6091% | 1,697 |
| Noninterest expense to average assets | 1.5799% | 4,328 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8578% | 2,743 |
| Return on assets (ROA) | 0.8621% | 2,702 |
| Pretax return on assets | 1.0876% | 2,451 |
| Return on Equity (ROE) | 7.5208% | 3,159 |
| Retained earnings to average equity (ytd only) | 5.1698% | 2,645 |
| Net charge-offs to loans | -0.1506% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3492% | 3,392 |
| Assets per employee ($millions) | 7.4434% | 1,650 |
| Cash dividends to net income (ytd only)* | 31.2600% | 2,045 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 1,214 |
| 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 | 33.0980% | 4,366 |
| Net loans and leases to deposits | 36.9940% | 4,370 |
| Net loans and leases to core deposits | 37.9351% | 4,385 |
| Total domestic deposits to total assets | 89.4685% | 1,963 |
| Equity capital to assets | 10.4704% | 1,444 |
| Core capital (leverage) ratio | 12.8290% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1466% | 696 |
| Memoranda: | ||
| Average total assets | $145,453,333 | 3,547 |
| Average earning assets | $135,874,333 | 3,535 |
| Average equity | $16,673,667 | 3,344 |
| Average total loans | $47,805,000 | 3,994 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3070% | 4,453 |
| Cost of funding earning assets | 0.2447% | 2,220 |
| Net interest margin | 2.0623% | 4,475 |
| Noninterest income to average assets | 0.6289% | 1,569 |
| Noninterest expense to average assets | 1.6501% | 4,214 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7257% | 2,959 |
| Return on assets (ROA) | 0.7235% | 2,958 |
| Pretax return on assets | 0.8988% | 2,780 |
| Return on Equity (ROE) | 6.0405% | 3,337 |
| Retained earnings to average equity (ytd only) | 1.4869% | 3,699 |
| Net charge-offs to loans | -0.2828% | 4,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6674% | 2,953 |
| Assets per employee ($millions) | 7.6620% | 1,576 |
| Cash dividends to net income (ytd only)* | 75.3846% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6918% | 1,070 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 31.2939% | 4,410 |
| Net loans and leases to deposits | 35.2112% | 4,411 |
| Net loans and leases to core deposits | 36.1317% | 4,422 |
| Total domestic deposits to total assets | 88.8747% | 2,130 |
| Equity capital to assets | 11.0903% | 1,291 |
| Core capital (leverage) ratio | 12.7021% | 844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1667% | 544 |
| Memoranda: | ||
| Average total assets | $143,746,500 | 3,580 |
| Average earning assets | $134,028,000 | 3,579 |
| Average equity | $17,217,000 | 3,382 |
| Average total loans | $46,678,000 | 4,026 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8671% | 4,107 |
| Cost of funding earning assets | 0.2738% | 2,669 |
| Net interest margin | 2.5933% | 4,059 |
| Noninterest income to average assets | 0.7059% | 1,747 |
| Noninterest expense to average assets | 1.7318% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1149% | 2,226 |
| Return on assets (ROA) | 1.1264% | 2,243 |
| Pretax return on assets | 1.4247% | 1,963 |
| Return on Equity (ROE) | 8.7260% | 3,001 |
| Retained earnings to average equity (ytd only) | 7.5730% | 1,698 |
| Net charge-offs to loans | -0.3100% | 4,749 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1161% | 3,806 |
| Assets per employee ($millions) | 7.4692% | 1,637 |
| Cash dividends to net income (ytd only)* | 13.2136% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5974% | 1,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 32.5998% | 4,426 |
| Net loans and leases to deposits | 37.4762% | 4,430 |
| Net loans and leases to core deposits | 38.5842% | 4,436 |
| Total domestic deposits to total assets | 86.9880% | 2,524 |
| Equity capital to assets | 12.8873% | 934 |
| Core capital (leverage) ratio | 12.6824% | 876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3090% | 534 |
| Memoranda: | ||
| Average total assets | $138,411,600 | 3,597 |
| Average earning assets | $130,026,600 | 3,576 |
| Average equity | $17,866,200 | 3,400 |
| Average total loans | $49,993,800 | 3,995 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9278% | 4,122 |
| Cost of funding earning assets | 0.2780% | 2,823 |
| Net interest margin | 2.6499% | 4,059 |
| Noninterest income to average assets | 0.7513% | 1,669 |
| Noninterest expense to average assets | 1.6655% | 4,383 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2521% | 1,981 |
| Return on assets (ROA) | 1.2651% | 1,995 |
| Pretax return on assets | 1.5976% | 1,709 |
| Return on Equity (ROE) | 9.7968% | 2,808 |
| Retained earnings to average equity (ytd only) | 8.2503% | 1,974 |
| Net charge-offs to loans | -0.3942% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2989% | 4,098 |
| Assets per employee ($millions) | 7.0733% | 1,816 |
| Cash dividends to net income (ytd only)* | 15.7854% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4943% | 1,655 |
| 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 | 34.7634% | 4,437 |
| Net loans and leases to deposits | 40.6020% | 4,431 |
| Net loans and leases to core deposits | 41.4483% | 4,469 |
| Total domestic deposits to total assets | 85.6198% | 2,905 |
| Equity capital to assets | 12.8788% | 1,024 |
| Core capital (leverage) ratio | 12.6522% | 940 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3678% | 579 |
| Memoranda: | ||
| Average total assets | $137,535,750 | 3,644 |
| Average earning assets | $129,512,250 | 3,619 |
| Average equity | $17,760,500 | 3,447 |
| Average total loans | $50,738,500 | 4,037 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7857% | 4,363 |
| Cost of funding earning assets | 0.2889% | 2,883 |
| Net interest margin | 2.4968% | 4,312 |
| Noninterest income to average assets | 0.7781% | 1,589 |
| Noninterest expense to average assets | 1.6282% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1988% | 2,197 |
| Return on assets (ROA) | 1.2083% | 2,229 |
| Pretax return on assets | 1.4960% | 2,025 |
| Return on Equity (ROE) | 9.3482% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.0083% | 2,431 |
| Net charge-offs to loans | -0.5842% | 4,877 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3113% | 4,012 |
| Assets per employee ($millions) | 6.7189% | 2,009 |
| Cash dividends to net income (ytd only)* | 25.0304% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 1,661 |
| Loan loss allowance to noncurrent loans | 37,250.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0014% | 4,333 |
| Noncurrent loans to loans | 0.0040% | 4,241 |
| Net loans and leases to total assets | 35.1964% | 4,491 |
| Net loans and leases to deposits | 40.3699% | 4,510 |
| Net loans and leases to core deposits | 41.1111% | 4,555 |
| Total domestic deposits to total assets | 87.1847% | 2,226 |
| Equity capital to assets | 12.6622% | 1,059 |
| Core capital (leverage) ratio | 12.4652% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2367% | 600 |
| Memoranda: | ||
| Average total assets | $136,226,000 | 3,673 |
| Average earning assets | $127,363,667 | 3,654 |
| Average equity | $17,607,667 | 3,465 |
| Average total loans | $51,010,000 | 4,060 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0154% | 4,043 |
| Cost of funding earning assets | 0.3054% | 2,932 |
| Net interest margin | 2.7100% | 3,947 |
| Noninterest income to average assets | 0.8760% | 1,394 |
| Noninterest expense to average assets | 1.7191% | 4,341 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2946% | 1,843 |
| Return on assets (ROA) | 1.2946% | 1,916 |
| Pretax return on assets | 1.6772% | 1,546 |
| Return on Equity (ROE) | 9.9093% | 2,721 |
| Retained earnings to average equity (ytd only) | 5.1950% | 3,166 |
| Net charge-offs to loans | -0.0078% | 3,565 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6162% | 4,136 |
| Assets per employee ($millions) | 6.5953% | 2,099 |
| Cash dividends to net income (ytd only)* | 47.5751% | 1,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1671% | 3,107 |
| 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 | 36.5030% | 4,481 |
| Net loans and leases to deposits | 41.8511% | 4,502 |
| Net loans and leases to core deposits | 42.7659% | 4,541 |
| Total domestic deposits to total assets | 87.2210% | 2,211 |
| Equity capital to assets | 12.6028% | 1,043 |
| Core capital (leverage) ratio | 12.7181% | 919 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1796% | 570 |
| Memoranda: | ||
| Average total assets | $133,790,500 | 3,701 |
| Average earning assets | $124,428,000 | 3,687 |
| Average equity | $17,478,500 | 3,470 |
| Average total loans | $51,312,000 | 4,066 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2861% | 4,350 |
| Cost of funding earning assets | 0.4137% | 3,498 |
| Net interest margin | 2.8724% | 4,160 |
| Noninterest income to average assets | 0.8537% | 1,386 |
| Noninterest expense to average assets | 2.0551% | 4,030 |
| Loan and lease loss provision to assets | 0.0201% | 4,137 |
| Net operating income to assets | 1.1828% | 1,607 |
| Return on assets (ROA) | 1.1926% | 1,683 |
| Pretax return on assets | 1.4903% | 1,361 |
| Return on Equity (ROE) | 8.1063% | 2,773 |
| Retained earnings to average equity (ytd only) | 6.7969% | 1,461 |
| Net charge-offs to loans | -0.0228% | 4,464 |
| Credit loss provision to net charge-offs | -209.0909% | 3,805 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7132% | 3,768 |
| Assets per employee ($millions) | 6.1467% | 2,213 |
| Cash dividends to net income (ytd only)* | 16.1527% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1580% | 3,174 |
| 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 | 39.4128% | 4,462 |
| Net loans and leases to deposits | 45.7266% | 4,475 |
| Net loans and leases to core deposits | 46.7030% | 4,527 |
| Total domestic deposits to total assets | 86.1923% | 2,279 |
| Equity capital to assets | 13.5590% | 917 |
| Core capital (leverage) ratio | 13.0001% | 894 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5625% | 535 |
| Memoranda: | ||
| Average total assets | $114,202,400 | 3,819 |
| Average earning assets | $107,332,000 | 3,808 |
| Average equity | $16,801,800 | 3,471 |
| Average total loans | $48,293,800 | 4,142 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3811% | 4,374 |
| Cost of funding earning assets | 0.4347% | 3,612 |
| Net interest margin | 2.9465% | 4,094 |
| Noninterest income to average assets | 0.8870% | 1,267 |
| Noninterest expense to average assets | 2.0491% | 4,048 |
| Loan and lease loss provision to assets | 0.0281% | 3,983 |
| Net operating income to assets | 1.2516% | 1,479 |
| Return on assets (ROA) | 1.2611% | 1,562 |
| Pretax return on assets | 1.5954% | 1,195 |
| Return on Equity (ROE) | 8.3799% | 2,655 |
| Retained earnings to average equity (ytd only) | 6.6157% | 1,845 |
| Net charge-offs to loans | -0.0281% | 4,505 |
| Credit loss provision to net charge-offs | -230.0000% | 3,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8193% | 3,941 |
| Assets per employee ($millions) | 5.9592% | 2,300 |
| Cash dividends to net income (ytd only)* | 21.0526% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1249% | 3,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 41.7911% | 4,509 |
| Net loans and leases to deposits | 48.6335% | 4,532 |
| Net loans and leases to core deposits | 49.8266% | 4,582 |
| Total domestic deposits to total assets | 85.9306% | 2,099 |
| Equity capital to assets | 13.7673% | 919 |
| Core capital (leverage) ratio | 13.5769% | 821 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9744% | 590 |
| Memoranda: | ||
| Average total assets | $110,483,000 | 3,872 |
| Average earning assets | $103,986,000 | 3,847 |
| Average equity | $16,626,750 | 3,489 |
| Average total loans | $47,499,750 | 4,176 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5681% | 4,318 |
| Cost of funding earning assets | 0.4581% | 3,756 |
| Net interest margin | 3.1101% | 3,881 |
| Noninterest income to average assets | 0.9091% | 1,143 |
| Noninterest expense to average assets | 2.0702% | 4,102 |
| Loan and lease loss provision to assets | 0.0436% | 3,743 |
| Net operating income to assets | 1.3872% | 1,143 |
| Return on assets (ROA) | 1.3902% | 1,224 |
| Pretax return on assets | 1.7311% | 929 |
| Return on Equity (ROE) | 8.9371% | 2,385 |
| Retained earnings to average equity (ytd only) | 6.2584% | 1,961 |
| Net charge-offs to loans | -0.0438% | 4,651 |
| Credit loss provision to net charge-offs | -230.0000% | 3,499 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6489% | 4,220 |
| Assets per employee ($millions) | 5.8152% | 2,360 |
| Cash dividends to net income (ytd only)* | 29.9728% | 2,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 2,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 42.4104% | 4,519 |
| Net loans and leases to deposits | 49.8479% | 4,538 |
| Net loans and leases to core deposits | 51.0505% | 4,598 |
| Total domestic deposits to total assets | 85.0796% | 2,364 |
| Equity capital to assets | 14.5997% | 711 |
| Core capital (leverage) ratio | 14.2801% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3768% | 550 |
| Memoranda: | ||
| Average total assets | $105,596,000 | 3,916 |
| Average earning assets | $99,548,000 | 3,886 |
| Average equity | $16,426,000 | 3,517 |
| Average total loans | $45,701,667 | 4,223 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9363% | 3,966 |
| Cost of funding earning assets | 0.4926% | 3,974 |
| Net interest margin | 3.4437% | 3,170 |
| Noninterest income to average assets | 0.8180% | 1,261 |
| Noninterest expense to average assets | 2.1747% | 4,072 |
| Loan and lease loss provision to assets | 0.0918% | 2,539 |
| Net operating income to assets | 1.4190% | 945 |
| Return on assets (ROA) | 1.4126% | 1,031 |
| Pretax return on assets | 1.7518% | 766 |
| Return on Equity (ROE) | 8.7683% | 2,204 |
| Retained earnings to average equity (ytd only) | 3.3191% | 2,951 |
| Net charge-offs to loans | -0.0367% | 4,539 |
| Credit loss provision to net charge-offs | -575.0000% | 3,418 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0139% | 4,394 |
| Assets per employee ($millions) | 5.3186% | 2,305 |
| Cash dividends to net income (ytd only)* | 62.1469% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3362% | 1,976 |
| 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 | 43.0374% | 4,547 |
| Net loans and leases to deposits | 51.5424% | 4,536 |
| Net loans and leases to core deposits | 52.9964% | 4,600 |
| Total domestic deposits to total assets | 83.4989% | 2,947 |
| Equity capital to assets | 16.1676% | 554 |
| Core capital (leverage) ratio | 15.8171% | 542 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.4014% | 608 |
| Memoranda: | ||
| Average total assets | $100,242,000 | 3,989 |
| Average earning assets | $93,387,500 | 3,975 |
| Average equity | $16,149,000 | 3,549 |
| Average total loans | $43,592,500 | 4,285 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 4,270 |
| Cost of funding earning assets | 0.4508% | 4,268 |
| Net interest margin | 3.5434% | 3,307 |
| Noninterest income to average assets | 0.8684% | 1,253 |
| Noninterest expense to average assets | 2.4109% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3791% | 1,416 |
| Return on assets (ROA) | 1.5762% | 942 |
| Pretax return on assets | 2.0038% | 599 |
| Return on Equity (ROE) | 10.1424% | 2,232 |
| Retained earnings to average equity (ytd only) | 8.9182% | 729 |
| Net charge-offs to loans | 0.6533% | 272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 6.3284% | 2,984 |
| Efficiency ratio | 57.1464% | 4,071 |
| Assets per employee ($millions) | 5.2332% | 2,312 |
| Cash dividends to net income (ytd only)* | 12.0701% | 3,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3038% | 1,905 |
| 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 | 42.7869% | 4,649 |
| Net loans and leases to deposits | 51.0592% | 4,646 |
| Net loans and leases to core deposits | 52.5229% | 4,688 |
| Total domestic deposits to total assets | 83.7987% | 2,911 |
| Equity capital to assets | 16.0515% | 593 |
| Core capital (leverage) ratio | 15.4701% | 594 |
| Tier 1 risk-based capital ratio | 21.9912% | 1,024 |
| Total risk-based capital ratio | 22.7835% | 1,058 |
| Memoranda: | ||
| Average total assets | $97,764,200 | 4,037 |
| Average earning assets | $90,956,800 | 4,038 |
| Average equity | $15,193,600 | 3,622 |
| Average total loans | $41,483,800 | 4,376 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0161% | 4,333 |
| Cost of funding earning assets | 0.4413% | 4,361 |
| Net interest margin | 3.5748% | 3,315 |
| Noninterest income to average assets | 0.8944% | 1,155 |
| Noninterest expense to average assets | 2.2791% | 4,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5247% | 1,121 |
| Return on assets (ROA) | 1.7833% | 665 |
| Pretax return on assets | 2.2708% | 395 |
| Return on Equity (ROE) | 11.5715% | 1,773 |
| Retained earnings to average equity (ytd only) | 9.9184% | 768 |
| Net charge-offs to loans | 0.1071% | 1,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 42.9989% | 1,302 |
| Efficiency ratio | 53.2598% | 4,471 |
| Assets per employee ($millions) | 5.2951% | 2,232 |
| Cash dividends to net income (ytd only)* | 14.2855% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9480% | 510 |
| Loan loss allowance to noncurrent loans | 330.5785% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2405% | 3,607 |
| Noncurrent loans to loans | 0.5893% | 2,517 |
| Net loans and leases to total assets | 40.0241% | 4,816 |
| Net loans and leases to deposits | 47.5430% | 4,832 |
| Net loans and leases to core deposits | 48.7205% | 4,865 |
| Total domestic deposits to total assets | 84.1850% | 2,756 |
| Equity capital to assets | 15.6003% | 715 |
| Core capital (leverage) ratio | 15.4667% | 653 |
| Tier 1 risk-based capital ratio | 22.2772% | 1,035 |
| Total risk-based capital ratio | 23.4380% | 1,013 |
| Memoranda: | ||
| Average total assets | $97,347,750 | 4,087 |
| Average earning assets | $90,632,750 | 4,081 |
| Average equity | $15,002,000 | 3,671 |
| Average total loans | $41,078,500 | 4,440 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9749% | 4,426 |
| Cost of funding earning assets | 0.4300% | 4,395 |
| Net interest margin | 3.5449% | 3,451 |
| Noninterest income to average assets | 0.8747% | 1,138 |
| Noninterest expense to average assets | 2.3478% | 3,873 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4443% | 1,310 |
| Return on assets (ROA) | 1.8284% | 588 |
| Pretax return on assets | 2.3187% | 344 |
| Return on Equity (ROE) | 11.9152% | 1,608 |
| Retained earnings to average equity (ytd only) | 9.3968% | 933 |
| Net charge-offs to loans | -0.0146% | 4,444 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4175% | 4,321 |
| Assets per employee ($millions) | 4.8315% | 2,699 |
| Cash dividends to net income (ytd only)* | 21.1364% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0887% | 403 |
| Loan loss allowance to noncurrent loans | 267.0927% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.4698% | 2,657 |
| Noncurrent loans to loans | 0.7820% | 2,030 |
| Net loans and leases to total assets | 40.5561% | 4,830 |
| Net loans and leases to deposits | 48.2718% | 4,839 |
| Net loans and leases to core deposits | 49.5154% | 4,876 |
| Total domestic deposits to total assets | 84.0162% | 2,852 |
| Equity capital to assets | 15.8120% | 648 |
| Core capital (leverage) ratio | 15.5960% | 607 |
| Tier 1 risk-based capital ratio | 22.6137% | 983 |
| Total risk-based capital ratio | 23.8639% | 968 |
| Memoranda: | ||
| Average total assets | $96,261,330 | 4,126 |
| Average earning assets | $89,763,670 | 4,118 |
| Average equity | $14,771,000 | 3,699 |
| Average total loans | $41,082,330 | 4,470 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9259% | 4,508 |
| Cost of funding earning assets | 0.4060% | 4,458 |
| Net interest margin | 3.5199% | 3,539 |
| Noninterest income to average assets | 0.9201% | 996 |
| Noninterest expense to average assets | 2.2898% | 4,050 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5108% | 1,088 |
| Return on assets (ROA) | 2.2607% | 250 |
| Pretax return on assets | 2.8644% | 147 |
| Return on Equity (ROE) | 14.9618% | 753 |
| Retained earnings to average equity (ytd only) | 9.8367% | 1,078 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6634% | 4,562 |
| Assets per employee ($millions) | 4.7973% | 2,794 |
| Cash dividends to net income (ytd only)* | 34.2541% | 2,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 521 |
| Loan loss allowance to noncurrent loans | 254.7401% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.4878% | 2,662 |
| Noncurrent loans to loans | 0.7779% | 2,087 |
| Net loans and leases to total assets | 42.9444% | 4,790 |
| Net loans and leases to deposits | 50.8930% | 4,791 |
| Net loans and leases to core deposits | 51.8094% | 4,845 |
| Total domestic deposits to total assets | 84.3817% | 2,909 |
| Equity capital to assets | 15.4203% | 662 |
| Core capital (leverage) ratio | 15.3876% | 620 |
| Tier 1 risk-based capital ratio | 22.0757% | 1,046 |
| Total risk-based capital ratio | 23.3264% | 1,020 |
| Memoranda: | ||
| Average total assets | $96,077,500 | 4,166 |
| Average earning assets | $89,661,000 | 4,152 |
| Average equity | $14,517,000 | 3,739 |
| Average total loans | $41,611,000 | 4,498 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,527 |
| Cost of funding earning assets | 0.3335% | 4,387 |
| Net interest margin | 3.4495% | 3,860 |
| Noninterest income to average assets | 0.8861% | 1,209 |
| Noninterest expense to average assets | 2.5392% | 3,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2218% | 2,079 |
| Return on assets (ROA) | 1.2218% | 2,071 |
| Pretax return on assets | 1.5447% | 1,641 |
| Return on Equity (ROE) | 8.4342% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.1727% | 1,591 |
| Net charge-offs to loans | 0.2279% | 857 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 15.4681% | 2,324 |
| Efficiency ratio | 61.3944% | 3,642 |
| Assets per employee ($millions) | 4.5814% | 3,046 |
| Cash dividends to net income (ytd only)* | 14.9565% | 3,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0225% | 453 |
| Loan loss allowance to noncurrent loans | 232.6816% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5436% | 2,424 |
| Noncurrent loans to loans | 0.8692% | 1,852 |
| Net loans and leases to total assets | 41.9426% | 4,881 |
| Net loans and leases to deposits | 49.2548% | 4,907 |
| Net loans and leases to core deposits | 49.9802% | 4,944 |
| Total domestic deposits to total assets | 85.1543% | 2,587 |
| Equity capital to assets | 14.7999% | 760 |
| Core capital (leverage) ratio | 14.9433% | 708 |
| Tier 1 risk-based capital ratio | 22.2297% | 997 |
| Total risk-based capital ratio | 23.4807% | 976 |
| Memoranda: | ||
| Average total assets | $94,125,400 | 4,199 |
| Average earning assets | $87,259,000 | 4,199 |
| Average equity | $13,635,000 | 3,794 |
| Average total loans | $41,239,800 | 4,515 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8008% | 4,432 |
| Cost of funding earning assets | 0.3211% | 4,372 |
| Net interest margin | 3.4798% | 3,764 |
| Noninterest income to average assets | 0.8831% | 1,242 |
| Noninterest expense to average assets | 2.4514% | 3,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2179% | 2,167 |
| Return on assets (ROA) | 1.2179% | 2,165 |
| Pretax return on assets | 1.6580% | 1,387 |
| Return on Equity (ROE) | 8.4542% | 3,352 |
| Retained earnings to average equity (ytd only) | 6.7535% | 2,260 |
| Net charge-offs to loans | 0.2585% | 646 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 14.5505% | 2,281 |
| Efficiency ratio | 58.8562% | 3,983 |
| Assets per employee ($millions) | 4.2579% | 3,497 |
| Cash dividends to net income (ytd only)* | 20.1172% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0664% | 432 |
| Loan loss allowance to noncurrent loans | 415.1961% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 3,851 |
| Noncurrent loans to loans | 0.4977% | 2,900 |
| Net loans and leases to total assets | 42.8544% | 4,920 |
| Net loans and leases to deposits | 50.3033% | 4,944 |
| Net loans and leases to core deposits | 51.0608% | 4,991 |
| Total domestic deposits to total assets | 85.1921% | 2,529 |
| Equity capital to assets | 14.6520% | 796 |
| Core capital (leverage) ratio | 14.9316% | 718 |
| Tier 1 risk-based capital ratio | 21.8910% | 1,066 |
| Total risk-based capital ratio | 23.1418% | 1,043 |
| Memoranda: | ||
| Average total assets | $93,604,250 | 4,247 |
| Average earning assets | $86,785,500 | 4,254 |
| Average equity | $13,484,000 | 3,850 |
| Average total loans | $41,253,250 | 4,560 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 4,461 |
| Cost of funding earning assets | 0.3121% | 4,330 |
| Net interest margin | 3.4422% | 3,828 |
| Noninterest income to average assets | 0.9062% | 1,164 |
| Noninterest expense to average assets | 2.4513% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1990% | 2,205 |
| Return on assets (ROA) | 1.1990% | 2,203 |
| Pretax return on assets | 1.6371% | 1,387 |
| Return on Equity (ROE) | 8.3708% | 3,330 |
| Retained earnings to average equity (ytd only) | 5.8044% | 2,662 |
| Net charge-offs to loans | 0.3919% | 401 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 9.4568% | 2,392 |
| Efficiency ratio | 59.1741% | 4,057 |
| Assets per employee ($millions) | 4.0887% | 3,748 |
| Cash dividends to net income (ytd only)* | 30.6595% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0290% | 492 |
| Loan loss allowance to noncurrent loans | 600.0000% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.2924% | 3,596 |
| Noncurrent loans to loans | 0.3382% | 3,487 |
| Net loans and leases to total assets | 43.4374% | 4,931 |
| Net loans and leases to deposits | 50.8344% | 4,951 |
| Net loans and leases to core deposits | 51.5790% | 5,004 |
| Total domestic deposits to total assets | 85.4489% | 2,514 |
| Equity capital to assets | 14.4341% | 822 |
| Core capital (leverage) ratio | 14.6159% | 748 |
| Tier 1 risk-based capital ratio | 21.3393% | 1,124 |
| Total risk-based capital ratio | 22.5903% | 1,105 |
| Memoranda: | ||
| Average total assets | $93,581,330 | 4,286 |
| Average earning assets | $86,515,000 | 4,284 |
| Average equity | $13,403,670 | 3,885 |
| Average total loans | $41,341,000 | 4,603 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6654% | 4,558 |
| Cost of funding earning assets | 0.3012% | 4,342 |
| Net interest margin | 3.3642% | 4,012 |
| Noninterest income to average assets | 0.9512% | 1,017 |
| Noninterest expense to average assets | 2.3310% | 4,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2855% | 1,695 |
| Return on assets (ROA) | 1.2855% | 1,701 |
| Pretax return on assets | 1.7311% | 1,038 |
| Return on Equity (ROE) | 9.0100% | 2,904 |
| Retained earnings to average equity (ytd only) | 3.8443% | 3,656 |
| Net charge-offs to loans | 0.8260% | 176 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 4.7529% | 2,274 |
| Efficiency ratio | 56.5401% | 4,513 |
| Assets per employee ($millions) | 4.3044% | 3,479 |
| Cash dividends to net income (ytd only)* | 57.3333% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0294% | 510 |
| Loan loss allowance to noncurrent loans | 362.9310% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.2450% | 3,887 |
| Noncurrent loans to loans | 0.5592% | 2,857 |
| Net loans and leases to total assets | 42.9258% | 4,945 |
| Net loans and leases to deposits | 50.0258% | 4,957 |
| Net loans and leases to core deposits | 50.7484% | 5,022 |
| Total domestic deposits to total assets | 85.8072% | 2,630 |
| Equity capital to assets | 14.0439% | 883 |
| Core capital (leverage) ratio | 14.5716% | 746 |
| Tier 1 risk-based capital ratio | 21.3619% | 1,145 |
| Total risk-based capital ratio | 22.6138% | 1,121 |
| Memoranda: | ||
| Average total assets | $93,351,500 | 4,342 |
| Average earning assets | $86,321,500 | 4,338 |
| Average equity | $13,318,500 | 3,928 |
| Average total loans | $41,164,000 | 4,659 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5238% | 4,749 |
| Cost of funding earning assets | 0.3069% | 4,066 |
| Net interest margin | 3.2169% | 4,407 |
| Noninterest income to average assets | 1.0206% | 976 |
| Noninterest expense to average assets | 2.5635% | 3,570 |
| Loan and lease loss provision to assets | 0.0219% | 3,860 |
| Net operating income to assets | 0.9745% | 2,349 |
| Return on assets (ROA) | 0.9745% | 2,393 |
| Pretax return on assets | 1.4145% | 1,943 |
| Return on Equity (ROE) | 6.8011% | 3,377 |
| Retained earnings to average equity (ytd only) | 5.8667% | 1,615 |
| Net charge-offs to loans | 0.0275% | 3,260 |
| Credit loss provision to net charge-offs | 181.8182% | 1,490 |
| Earnings coverage of net charge-offs (x) | 119.0000% | 568 |
| Efficiency ratio | 63.2647% | 3,722 |
| Assets per employee ($millions) | 4.1821% | 3,686 |
| Cash dividends to net income (ytd only)* | 13.7387% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2700% | 322 |
| Loan loss allowance to noncurrent loans | 186.1446% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.5413% | 2,751 |
| Noncurrent loans to loans | 1.2195% | 1,450 |
| Net loans and leases to total assets | 43.3771% | 5,010 |
| Net loans and leases to deposits | 50.7541% | 5,037 |
| Net loans and leases to core deposits | 51.5101% | 5,083 |
| Total domestic deposits to total assets | 85.4652% | 2,671 |
| Equity capital to assets | 14.4967% | 779 |
| Core capital (leverage) ratio | 14.1836% | 797 |
| Tier 1 risk-based capital ratio | 21.3861% | 1,082 |
| Total risk-based capital ratio | 22.6397% | 1,061 |
| Memoranda: | ||
| Average total assets | $91,126,400 | 4,407 |
| Average earning assets | $84,398,400 | 4,392 |
| Average equity | $13,056,800 | 3,977 |
| Average total loans | $40,033,200 | 4,734 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3674% | 5,007 |
| Cost of funding earning assets | 0.3063% | 4,074 |
| Net interest margin | 3.0611% | 4,794 |
| Noninterest income to average assets | 1.0516% | 925 |
| Noninterest expense to average assets | 2.4009% | 4,018 |
| Loan and lease loss provision to assets | 0.0293% | 3,537 |
| Net operating income to assets | 1.0105% | 2,515 |
| Return on assets (ROA) | 1.0105% | 2,553 |
| Pretax return on assets | 1.4652% | 1,897 |
| Return on Equity (ROE) | 7.0738% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.8213% | 2,366 |
| Net charge-offs to loans | 0.0368% | 2,701 |
| Credit loss provision to net charge-offs | 181.8182% | 1,454 |
| Earnings coverage of net charge-offs (x) | 92.6128% | 727 |
| Efficiency ratio | 60.8057% | 4,073 |
| Assets per employee ($millions) | 4.2381% | 3,582 |
| Cash dividends to net income (ytd only)* | 17.7066% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2271% | 388 |
| Loan loss allowance to noncurrent loans | 73.9824% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.3439% | 1,186 |
| Noncurrent loans to loans | 3.0104% | 426 |
| Net loans and leases to total assets | 43.6474% | 5,045 |
| Net loans and leases to deposits | 51.0039% | 5,089 |
| Net loans and leases to core deposits | 51.7511% | 5,147 |
| Total domestic deposits to total assets | 85.5767% | 2,486 |
| Equity capital to assets | 14.3043% | 912 |
| Core capital (leverage) ratio | 13.9255% | 908 |
| Tier 1 risk-based capital ratio | 21.2756% | 1,148 |
| Total risk-based capital ratio | 22.5293% | 1,132 |
| Memoranda: | ||
| Average total assets | $90,906,250 | 4,453 |
| Average earning assets | $84,454,750 | 4,433 |
| Average equity | $12,986,500 | 4,026 |
| Average total loans | $39,832,250 | 4,788 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3573% | 5,021 |
| Cost of funding earning assets | 0.3083% | 4,001 |
| Net interest margin | 3.0491% | 4,793 |
| Noninterest income to average assets | 1.1006% | 827 |
| Noninterest expense to average assets | 2.4676% | 3,858 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0074% | 2,387 |
| Return on assets (ROA) | 1.0074% | 2,429 |
| Pretax return on assets | 1.4646% | 1,782 |
| Return on Equity (ROE) | 7.0553% | 3,527 |
| Retained earnings to average equity (ytd only) | 5.1594% | 2,604 |
| Net charge-offs to loans | 0.0765% | 1,859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,180 |
| Efficiency ratio | 61.9074% | 4,001 |
| Assets per employee ($millions) | 4.3980% | 3,273 |
| Cash dividends to net income (ytd only)* | 26.8722% | 2,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3420% | 356 |
| Loan loss allowance to noncurrent loans | 64.7776% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.5093% | 1,001 |
| Noncurrent loans to loans | 3.6154% | 301 |
| Net loans and leases to total assets | 40.7696% | 5,200 |
| Net loans and leases to deposits | 47.5958% | 5,225 |
| Net loans and leases to core deposits | 48.2979% | 5,275 |
| Total domestic deposits to total assets | 85.6580% | 2,544 |
| Equity capital to assets | 14.2045% | 899 |
| Core capital (leverage) ratio | 14.2656% | 788 |
| Tier 1 risk-based capital ratio | 21.9154% | 1,060 |
| Total risk-based capital ratio | 23.1694% | 1,038 |
| Memoranda: | ||
| Average total assets | $90,129,000 | 4,494 |
| Average earning assets | $83,697,330 | 4,472 |
| Average equity | $12,869,670 | 4,054 |
| Average total loans | $39,235,330 | 4,835 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3793% | 4,977 |
| Cost of funding earning assets | 0.3098% | 3,940 |
| Net interest margin | 3.0694% | 4,735 |
| Noninterest income to average assets | 1.1459% | 768 |
| Noninterest expense to average assets | 2.3861% | 4,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1054% | 1,844 |
| Return on assets (ROA) | 1.1054% | 1,885 |
| Pretax return on assets | 1.6087% | 1,209 |
| Return on Equity (ROE) | 7.7207% | 3,060 |
| Retained earnings to average equity (ytd only) | 3.8917% | 3,505 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8301% | 4,612 |
| Assets per employee ($millions) | 4.2692% | 3,549 |
| Cash dividends to net income (ytd only)* | 49.5935% | 1,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2949% | 414 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1946% | 1,477 |
| Noncurrent loans to loans | 2.6774% | 566 |
| Net loans and leases to total assets | 43.5936% | 5,061 |
| Net loans and leases to deposits | 50.9557% | 5,066 |
| Net loans and leases to core deposits | 51.7299% | 5,154 |
| Total domestic deposits to total assets | 85.5521% | 2,862 |
| Equity capital to assets | 14.3275% | 806 |
| Core capital (leverage) ratio | 14.2483% | 776 |
| Tier 1 risk-based capital ratio | 19.6996% | 1,449 |
| Total risk-based capital ratio | 20.9526% | 1,423 |
| Memoranda: | ||
| Average total assets | $89,014,500 | 4,559 |
| Average earning assets | $82,621,500 | 4,535 |
| Average equity | $12,745,000 | 4,098 |
| Average total loans | $39,574,500 | 4,865 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4279% | 4,928 |
| Cost of funding earning assets | 0.3229% | 3,815 |
| Net interest margin | 3.1051% | 4,713 |
| Noninterest income to average assets | 1.1450% | 869 |
| Noninterest expense to average assets | 2.6721% | 3,438 |
| Loan and lease loss provision to assets | 0.1243% | 1,994 |
| Net operating income to assets | 0.8412% | 3,104 |
| Return on assets (ROA) | 0.8466% | 3,197 |
| Pretax return on assets | 1.2264% | 2,572 |
| Return on Equity (ROE) | 5.9565% | 4,000 |
| Retained earnings to average equity (ytd only) | 4.7875% | 2,483 |
| Net charge-offs to loans | 0.0525% | 2,988 |
| Credit loss provision to net charge-offs | 523.8095% | 637 |
| Earnings coverage of net charge-offs (x) | 56.5714% | 937 |
| Efficiency ratio | 65.7095% | 3,642 |
| Assets per employee ($millions) | 4.0190% | 3,930 |
| Cash dividends to net income (ytd only)* | 19.6262% | 3,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3449% | 377 |
| Loan loss allowance to noncurrent loans | 105.1546% | 3,528 |
| Noncurrent assets plus other real estate owned to assets | 0.9874% | 1,920 |
| Noncurrent loans to loans | 2.2300% | 760 |
| Net loans and leases to total assets | 43.2383% | 5,160 |
| Net loans and leases to deposits | 50.5107% | 5,184 |
| Net loans and leases to core deposits | 51.2865% | 5,256 |
| Total domestic deposits to total assets | 85.6023% | 2,779 |
| Equity capital to assets | 14.3117% | 792 |
| Core capital (leverage) ratio | 14.0760% | 799 |
| Tier 1 risk-based capital ratio | 20.1132% | 1,356 |
| Total risk-based capital ratio | 21.3658% | 1,330 |
| Memoranda: | ||
| Average total assets | $88,469,000 | 4,574 |
| Average earning assets | $81,769,600 | 4,551 |
| Average equity | $12,574,400 | 4,157 |
| Average total loans | $40,027,800 | 4,881 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4722% | 4,890 |
| Cost of funding earning assets | 0.3241% | 3,826 |
| Net interest margin | 3.1481% | 4,647 |
| Noninterest income to average assets | 1.2040% | 793 |
| Noninterest expense to average assets | 2.4923% | 4,006 |
| Loan and lease loss provision to assets | 0.1356% | 1,732 |
| Net operating income to assets | 1.0100% | 2,387 |
| Return on assets (ROA) | 1.0171% | 2,485 |
| Pretax return on assets | 1.4993% | 1,713 |
| Return on Equity (ROE) | 7.1686% | 3,467 |
| Retained earnings to average equity (ytd only) | 5.6074% | 2,430 |
| Net charge-offs to loans | 0.0729% | 2,275 |
| Credit loss provision to net charge-offs | 409.0909% | 825 |
| Earnings coverage of net charge-offs (x) | 49.0044% | 1,089 |
| Efficiency ratio | 59.6999% | 4,585 |
| Assets per employee ($millions) | 3.9435% | 4,055 |
| Cash dividends to net income (ytd only)* | 21.7783% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2940% | 441 |
| Loan loss allowance to noncurrent loans | 101.5855% | 3,585 |
| Noncurrent assets plus other real estate owned to assets | 1.0178% | 2,029 |
| Noncurrent loans to loans | 2.2582% | 823 |
| Net loans and leases to total assets | 44.0368% | 5,186 |
| Net loans and leases to deposits | 51.8519% | 5,209 |
| Net loans and leases to core deposits | 52.6689% | 5,282 |
| Total domestic deposits to total assets | 84.9280% | 2,832 |
| Equity capital to assets | 14.7965% | 790 |
| Core capital (leverage) ratio | 14.3462% | 764 |
| Tier 1 risk-based capital ratio | 16.1828% | 2,549 |
| Total risk-based capital ratio | 17.3537% | 2,532 |
| Memoranda: | ||
| Average total assets | $88,482,000 | 4,610 |
| Average earning assets | $81,867,250 | 4,587 |
| Average equity | $12,554,500 | 4,200 |
| Average total loans | $40,247,750 | 4,910 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5538% | 4,727 |
| Cost of funding earning assets | 0.3255% | 3,841 |
| Net interest margin | 3.2283% | 4,451 |
| Noninterest income to average assets | 1.2034% | 779 |
| Noninterest expense to average assets | 2.5325% | 3,938 |
| Loan and lease loss provision to assets | 0.0449% | 3,257 |
| Net operating income to assets | 1.1007% | 1,953 |
| Return on assets (ROA) | 1.1114% | 2,038 |
| Pretax return on assets | 1.6255% | 1,290 |
| Return on Equity (ROE) | 7.9304% | 3,015 |
| Retained earnings to average equity (ytd only) | 5.5753% | 2,377 |
| Net charge-offs to loans | 0.0886% | 1,960 |
| Credit loss provision to net charge-offs | 111.1111% | 1,947 |
| Earnings coverage of net charge-offs (x) | 40.9444% | 1,142 |
| Efficiency ratio | 59.6783% | 4,682 |
| Assets per employee ($millions) | 4.1579% | 3,638 |
| Cash dividends to net income (ytd only)* | 29.6970% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2074% | 538 |
| Loan loss allowance to noncurrent loans | 89.5474% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 1.2186% | 1,694 |
| Noncurrent loans to loans | 2.4651% | 722 |
| Net loans and leases to total assets | 42.1629% | 5,333 |
| Net loans and leases to deposits | 49.5258% | 5,358 |
| Net loans and leases to core deposits | 50.2978% | 5,417 |
| Total domestic deposits to total assets | 85.1333% | 2,809 |
| Equity capital to assets | 14.5724% | 853 |
| Core capital (leverage) ratio | 13.6474% | 932 |
| Tier 1 risk-based capital ratio | 16.4784% | 2,442 |
| Total risk-based capital ratio | 17.5998% | 2,430 |
| Memoranda: | ||
| Average total assets | $89,080,330 | 4,634 |
| Average earning assets | $82,333,330 | 4,615 |
| Average equity | $12,483,670 | 4,235 |
| Average total loans | $40,629,670 | 4,951 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6289% | 4,541 |
| Cost of funding earning assets | 0.3268% | 3,880 |
| Net interest margin | 3.3021% | 4,211 |
| Noninterest income to average assets | 1.2005% | 757 |
| Noninterest expense to average assets | 2.3788% | 4,429 |
| Loan and lease loss provision to assets | 0.0889% | 2,197 |
| Net operating income to assets | 1.2094% | 1,522 |
| Return on assets (ROA) | 1.2094% | 1,627 |
| Pretax return on assets | 1.7874% | 872 |
| Return on Equity (ROE) | 8.8001% | 2,519 |
| Retained earnings to average equity (ytd only) | 4.0442% | 3,470 |
| Net charge-offs to loans | -0.0285% | 5,038 |
| Credit loss provision to net charge-offs | -666.6667% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0679% | 5,282 |
| Assets per employee ($millions) | 4.2916% | 3,423 |
| Cash dividends to net income (ytd only)* | 54.0441% | 1,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0264% | 783 |
| Loan loss allowance to noncurrent loans | 78.7431% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 1.3060% | 1,640 |
| Noncurrent loans to loans | 2.5735% | 717 |
| Net loans and leases to total assets | 45.7059% | 5,139 |
| Net loans and leases to deposits | 53.2499% | 5,150 |
| Net loans and leases to core deposits | 54.4709% | 5,220 |
| Total domestic deposits to total assets | 85.8329% | 2,750 |
| Equity capital to assets | 13.8298% | 1,042 |
| Core capital (leverage) ratio | 13.6489% | 930 |
| Tier 1 risk-based capital ratio | 15.4981% | 2,917 |
| Total risk-based capital ratio | 16.5999% | 2,937 |
| Memoranda: | ||
| Average total assets | $89,962,500 | 4,661 |
| Average earning assets | $83,220,500 | 4,641 |
| Average equity | $12,363,500 | 4,271 |
| Average total loans | $42,121,500 | 4,931 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4223% | 5,112 |
| Cost of funding earning assets | 0.3490% | 3,710 |
| Net interest margin | 3.0733% | 4,970 |
| Noninterest income to average assets | 1.0699% | 1,028 |
| Noninterest expense to average assets | 2.4744% | 4,309 |
| Loan and lease loss provision to assets | 0.1101% | 2,158 |
| Net operating income to assets | 0.9169% | 2,775 |
| Return on assets (ROA) | 0.9169% | 2,862 |
| Pretax return on assets | 1.3451% | 2,110 |
| Return on Equity (ROE) | 6.9911% | 3,521 |
| Retained earnings to average equity (ytd only) | 6.6805% | 1,450 |
| Net charge-offs to loans | 0.0280% | 3,665 |
| Credit loss provision to net charge-offs | 833.3333% | 409 |
| Earnings coverage of net charge-offs (x) | 110.1667% | 534 |
| Efficiency ratio | 62.1289% | 4,585 |
| Assets per employee ($millions) | 4.2769% | 3,439 |
| Cash dividends to net income (ytd only)* | 4.4418% | 4,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9645% | 851 |
| Loan loss allowance to noncurrent loans | 89.2357% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 1.1947% | 1,813 |
| Noncurrent loans to loans | 2.2015% | 901 |
| Net loans and leases to total assets | 46.0619% | 5,156 |
| Net loans and leases to deposits | 53.4779% | 5,189 |
| Net loans and leases to core deposits | 55.1394% | 5,246 |
| Total domestic deposits to total assets | 86.1325% | 2,578 |
| Equity capital to assets | 13.6649% | 1,055 |
| Core capital (leverage) ratio | 13.1764% | 1,082 |
| Tier 1 risk-based capital ratio | 15.3518% | 3,016 |
| Total risk-based capital ratio | 16.4222% | 3,029 |
| Memoranda: | ||
| Average total assets | $90,849,400 | 4,650 |
| Average earning assets | $84,533,600 | 4,622 |
| Average equity | $11,915,200 | 4,324 |
| Average total loans | $42,878,800 | 4,902 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4276% | 5,147 |
| Cost of funding earning assets | 0.3528% | 3,725 |
| Net interest margin | 3.0748% | 5,022 |
| Noninterest income to average assets | 1.0742% | 1,044 |
| Noninterest expense to average assets | 2.3312% | 4,697 |
| Loan and lease loss provision to assets | 0.1463% | 1,494 |
| Net operating income to assets | 0.9981% | 2,481 |
| Return on assets (ROA) | 0.9981% | 2,570 |
| Pretax return on assets | 1.4664% | 1,778 |
| Return on Equity (ROE) | 7.6892% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.2721% | 1,556 |
| Net charge-offs to loans | -0.0124% | 5,058 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2560% | 5,092 |
| Assets per employee ($millions) | 4.2128% | 3,492 |
| Cash dividends to net income (ytd only)* | 5.4250% | 3,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9554% | 985 |
| Loan loss allowance to noncurrent loans | 82.1984% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.2479% | 1,879 |
| Noncurrent loans to loans | 2.3789% | 874 |
| Net loans and leases to total assets | 47.8914% | 5,086 |
| Net loans and leases to deposits | 55.7311% | 5,141 |
| Net loans and leases to core deposits | 57.4908% | 5,223 |
| Total domestic deposits to total assets | 85.9329% | 2,564 |
| Equity capital to assets | 13.7732% | 1,115 |
| Core capital (leverage) ratio | 13.0520% | 1,185 |
| Tier 1 risk-based capital ratio | 15.1178% | 3,237 |
| Total risk-based capital ratio | 16.2062% | 3,258 |
| Memoranda: | ||
| Average total assets | $91,108,250 | 4,699 |
| Average earning assets | $85,032,750 | 4,658 |
| Average equity | $11,825,750 | 4,386 |
| Average total loans | $43,048,750 | 4,946 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3679% | 5,299 |
| Cost of funding earning assets | 0.3559% | 3,744 |
| Net interest margin | 3.0120% | 5,197 |
| Noninterest income to average assets | 1.0697% | 1,048 |
| Noninterest expense to average assets | 2.2546% | 4,963 |
| Loan and lease loss provision to assets | 0.1087% | 2,015 |
| Net operating income to assets | 1.0327% | 2,212 |
| Return on assets (ROA) | 1.0327% | 2,333 |
| Pretax return on assets | 1.5219% | 1,584 |
| Return on Equity (ROE) | 8.1155% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.4833% | 1,484 |
| Net charge-offs to loans | -0.0047% | 4,718 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,586 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1908% | 5,314 |
| Assets per employee ($millions) | 4.2982% | 3,308 |
| Cash dividends to net income (ytd only)* | 7.7895% | 3,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 1,345 |
| Loan loss allowance to noncurrent loans | 74.5061% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 1.2087% | 2,096 |
| Noncurrent loans to loans | 2.4318% | 927 |
| Net loans and leases to total assets | 47.5499% | 5,142 |
| Net loans and leases to deposits | 54.8779% | 5,199 |
| Net loans and leases to core deposits | 56.5593% | 5,275 |
| Total domestic deposits to total assets | 86.6468% | 2,347 |
| Equity capital to assets | 13.1416% | 1,329 |
| Core capital (leverage) ratio | 12.6684% | 1,305 |
| Tier 1 risk-based capital ratio | 14.9010% | 3,412 |
| Total risk-based capital ratio | 15.9249% | 3,469 |
| Memoranda: | ||
| Average total assets | $91,988,000 | 4,727 |
| Average earning assets | $85,988,000 | 4,680 |
| Average equity | $11,706,000 | 4,436 |
| Average total loans | $42,993,670 | 4,991 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4472% | 5,096 |
| Cost of funding earning assets | 0.3595% | 3,761 |
| Net interest margin | 3.0877% | 4,988 |
| Noninterest income to average assets | 1.0899% | 954 |
| Noninterest expense to average assets | 2.2746% | 4,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1545% | 1,689 |
| Return on assets (ROA) | 1.1545% | 1,792 |
| Pretax return on assets | 1.7017% | 1,044 |
| Return on Equity (ROE) | 9.2191% | 2,352 |
| Retained earnings to average equity (ytd only) | 7.9463% | 1,590 |
| Net charge-offs to loans | 0.0094% | 3,021 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 395.0000% | 141 |
| Efficiency ratio | 56.3380% | 5,492 |
| Assets per employee ($millions) | 4.4385% | 3,152 |
| Cash dividends to net income (ytd only)* | 13.8060% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7279% | 1,671 |
| Loan loss allowance to noncurrent loans | 200.0000% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 0.3970% | 4,439 |
| Noncurrent loans to loans | 0.8639% | 3,085 |
| Net loans and leases to total assets | 45.1534% | 5,260 |
| Net loans and leases to deposits | 51.9138% | 5,340 |
| Net loans and leases to core deposits | 53.7839% | 5,381 |
| Total domestic deposits to total assets | 86.9777% | 2,381 |
| Equity capital to assets | 12.6554% | 1,595 |
| Core capital (leverage) ratio | 12.2458% | 1,481 |
| Tier 1 risk-based capital ratio | 14.8218% | 3,529 |
| Total risk-based capital ratio | 15.7911% | 3,627 |
| Memoranda: | ||
| Average total assets | $92,850,500 | 4,752 |
| Average earning assets | $86,795,500 | 4,699 |
| Average equity | $11,628,000 | 4,483 |
| Average total loans | $42,634,500 | 5,042 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9094% | 4,094 |
| Cost of funding earning assets | 0.4018% | 3,673 |
| Net interest margin | 3.5075% | 3,763 |
| Noninterest income to average assets | 1.0674% | 1,066 |
| Noninterest expense to average assets | 2.4161% | 4,806 |
| Loan and lease loss provision to assets | 0.9798% | 117 |
| Net operating income to assets | 0.5978% | 4,377 |
| Return on assets (ROA) | 0.6043% | 4,440 |
| Pretax return on assets | 0.9207% | 3,822 |
| Return on Equity (ROE) | 4.9647% | 4,680 |
| Retained earnings to average equity (ytd only) | 3.8674% | 3,468 |
| Net charge-offs to loans | 1.7500% | 127 |
| Credit loss provision to net charge-offs | 106.4209% | 2,247 |
| Earnings coverage of net charge-offs (x) | 2.0535% | 4,263 |
| Efficiency ratio | 55.3381% | 5,733 |
| Assets per employee ($millions) | 4.4047% | 3,182 |
| Cash dividends to net income (ytd only)* | 22.1014% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7459% | 1,664 |
| Loan loss allowance to noncurrent loans | 1,122.7273% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.0714% | 5,742 |
| Noncurrent loans to loans | 0.1555% | 5,274 |
| Net loans and leases to total assets | 45.0826% | 5,399 |
| Net loans and leases to deposits | 51.5910% | 5,508 |
| Net loans and leases to core deposits | 54.5332% | 5,477 |
| Total domestic deposits to total assets | 87.3847% | 2,091 |
| Equity capital to assets | 12.3136% | 1,762 |
| Core capital (leverage) ratio | 11.6397% | 1,875 |
| Tier 1 risk-based capital ratio | 18.4795% | 1,993 |
| Total risk-based capital ratio | 19.7302% | 1,967 |
| Memoranda: | ||
| Average total assets | $91,344,000 | 4,803 |
| Average earning assets | $84,361,200 | 4,776 |
| Average equity | $11,118,600 | 4,540 |
| Average total loans | $48,057,000 | 4,880 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9833% | 3,820 |
| Cost of funding earning assets | 0.4052% | 3,727 |
| Net interest margin | 3.5782% | 3,514 |
| Noninterest income to average assets | 1.0792% | 1,046 |
| Noninterest expense to average assets | 2.2989% | 5,110 |
| Loan and lease loss provision to assets | 1.0909% | 101 |
| Net operating income to assets | 0.7023% | 3,929 |
| Return on assets (ROA) | 0.7116% | 3,982 |
| Pretax return on assets | 1.0001% | 3,590 |
| Return on Equity (ROE) | 5.8637% | 4,305 |
| Retained earnings to average equity (ytd only) | 4.3917% | 3,524 |
| Net charge-offs to loans | 2.3021% | 78 |
| Credit loss provision to net charge-offs | 87.2365% | 2,477 |
| Earnings coverage of net charge-offs (x) | 1.6616% | 4,107 |
| Efficiency ratio | 51.7899% | 6,003 |
| Assets per employee ($millions) | 4.6818% | 2,692 |
| Cash dividends to net income (ytd only)* | 25.1026% | 3,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 3,853 |
| Loan loss allowance to noncurrent loans | 850.0000% | 648 |
| Noncurrent assets plus other real estate owned to assets | 0.0726% | 5,865 |
| Noncurrent loans to loans | 0.1488% | 5,472 |
| Net loans and leases to total assets | 48.1946% | 5,188 |
| Net loans and leases to deposits | 55.0148% | 5,307 |
| Net loans and leases to core deposits | 58.1017% | 5,322 |
| Total domestic deposits to total assets | 87.6029% | 1,978 |
| Equity capital to assets | 12.0468% | 2,019 |
| Core capital (leverage) ratio | 11.7998% | 1,831 |
| Tier 1 risk-based capital ratio | 17.0141% | 2,615 |
| Total risk-based capital ratio | 17.9208% | 2,696 |
| Memoranda: | ||
| Average total assets | $91,055,250 | 4,867 |
| Average earning assets | $83,914,000 | 4,835 |
| Average equity | $11,050,750 | 4,584 |
| Average total loans | $49,460,750 | 4,880 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0530% | 3,529 |
| Cost of funding earning assets | 0.4089% | 3,784 |
| Net interest margin | 3.6441% | 3,172 |
| Noninterest income to average assets | 1.0998% | 980 |
| Noninterest expense to average assets | 2.2995% | 5,157 |
| Loan and lease loss provision to assets | 0.7650% | 170 |
| Net operating income to assets | 0.9575% | 2,520 |
| Return on assets (ROA) | 0.9712% | 2,531 |
| Pretax return on assets | 1.4147% | 1,845 |
| Return on Equity (ROE) | 7.9823% | 3,105 |
| Retained earnings to average equity (ytd only) | 5.7589% | 2,476 |
| Net charge-offs to loans | 0.7690% | 495 |
| Credit loss provision to net charge-offs | 176.9231% | 1,293 |
| Earnings coverage of net charge-offs (x) | 4.9949% | 3,005 |
| Efficiency ratio | 50.8205% | 6,133 |
| Assets per employee ($millions) | 4.3727% | 3,133 |
| Cash dividends to net income (ytd only)* | 27.8539% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7128% | 2,090 |
| Loan loss allowance to noncurrent loans | 72.7194% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.2534% | 2,601 |
| Noncurrent loans to loans | 2.3553% | 1,358 |
| Net loans and leases to total assets | 52.3060% | 4,718 |
| Net loans and leases to deposits | 59.8405% | 4,881 |
| Net loans and leases to core deposits | 63.2678% | 4,884 |
| Total domestic deposits to total assets | 87.4089% | 2,241 |
| Equity capital to assets | 12.2393% | 1,823 |
| Core capital (leverage) ratio | 11.9306% | 1,702 |
| Tier 1 risk-based capital ratio | 16.2322% | 2,966 |
| Total risk-based capital ratio | 17.4822% | 2,911 |
| Memoranda: | ||
| Average total assets | $90,195,330 | 4,927 |
| Average earning assets | $83,149,000 | 4,898 |
| Average equity | $10,974,330 | 4,614 |
| Average total loans | $50,712,670 | 4,874 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1686% | 2,994 |
| Cost of funding earning assets | 0.4095% | 3,858 |
| Net interest margin | 3.7591% | 2,644 |
| Noninterest income to average assets | 1.0383% | 1,043 |
| Noninterest expense to average assets | 2.4614% | 4,756 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3779% | 1,040 |
| Return on assets (ROA) | 1.4052% | 1,023 |
| Pretax return on assets | 2.0676% | 455 |
| Return on Equity (ROE) | 11.5846% | 1,525 |
| Retained earnings to average equity (ytd only) | 7.0836% | 2,002 |
| Net charge-offs to loans | -0.0077% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0379% | 6,005 |
| Assets per employee ($millions) | 4.7825% | 2,544 |
| Cash dividends to net income (ytd only)* | 38.8535% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 3,909 |
| Loan loss allowance to noncurrent loans | 452.6316% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 5,734 |
| Noncurrent loans to loans | 0.2959% | 5,229 |
| Net loans and leases to total assets | 55.7683% | 4,170 |
| Net loans and leases to deposits | 63.7461% | 4,339 |
| Net loans and leases to core deposits | 67.4300% | 4,363 |
| Total domestic deposits to total assets | 87.4850% | 2,520 |
| Equity capital to assets | 12.1133% | 1,797 |
| Core capital (leverage) ratio | 12.0452% | 1,627 |
| Tier 1 risk-based capital ratio | 15.8041% | 3,266 |
| Total risk-based capital ratio | 16.8241% | 3,363 |
| Memoranda: | ||
| Average total assets | $89,379,500 | 4,987 |
| Average earning assets | $82,041,500 | 4,974 |
| Average equity | $10,842,000 | 4,657 |
| Average total loans | $51,635,000 | 4,878 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4682% | 2,333 |
| Cost of funding earning assets | 0.4897% | 3,715 |
| Net interest margin | 3.9785% | 2,008 |
| Noninterest income to average assets | 1.1449% | 1,076 |
| Noninterest expense to average assets | 2.5188% | 4,707 |
| Loan and lease loss provision to assets | 0.1417% | 2,540 |
| Net operating income to assets | 1.3977% | 1,028 |
| Return on assets (ROA) | 1.3977% | 1,070 |
| Pretax return on assets | 2.1039% | 379 |
| Return on Equity (ROE) | 11.9426% | 1,436 |
| Retained earnings to average equity (ytd only) | 11.9426% | 323 |
| Net charge-offs to loans | 0.3200% | 2,080 |
| Credit loss provision to net charge-offs | 72.6744% | 3,234 |
| Earnings coverage of net charge-offs (x) | 11.5174% | 2,229 |
| Efficiency ratio | 52.1532% | 6,282 |
| Assets per employee ($millions) | 4.3946% | 3,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3235% | 4,018 |
| Loan loss allowance to noncurrent loans | 449.0196% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 5,789 |
| Noncurrent loans to loans | 0.2948% | 5,298 |
| Net loans and leases to total assets | 58.2761% | 3,985 |
| Net loans and leases to deposits | 66.5117% | 4,241 |
| Net loans and leases to core deposits | 70.4840% | 4,246 |
| Total domestic deposits to total assets | 87.6178% | 2,410 |
| Equity capital to assets | 12.1479% | 1,714 |
| Core capital (leverage) ratio | 11.8323% | 1,732 |
| Tier 1 risk-based capital ratio | 15.5343% | 3,352 |
| Total risk-based capital ratio | 16.5545% | 3,432 |
| Memoranda: | ||
| Average total assets | $88,216,600 | 5,021 |
| Average earning assets | $80,255,600 | 5,030 |
| Average equity | $10,324,400 | 4,780 |
| Average total loans | $53,746,400 | 4,820 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 2,458 |
| Cost of funding earning assets | 0.5044% | 3,730 |
| Net interest margin | 3.9354% | 2,160 |
| Noninterest income to average assets | 1.2291% | 974 |
| Noninterest expense to average assets | 2.4175% | 4,971 |
| Loan and lease loss provision to assets | 0.1887% | 1,943 |
| Net operating income to assets | 1.4753% | 940 |
| Return on assets (ROA) | 1.4753% | 991 |
| Pretax return on assets | 2.2046% | 379 |
| Return on Equity (ROE) | 12.7257% | 1,309 |
| Retained earnings to average equity (ytd only) | 12.7257% | 363 |
| Net charge-offs to loans | 0.4329% | 1,481 |
| Credit loss provision to net charge-offs | 71.0227% | 3,051 |
| Earnings coverage of net charge-offs (x) | 9.0057% | 2,539 |
| Efficiency ratio | 49.5292% | 6,421 |
| Assets per employee ($millions) | 4.4482% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 4,557 |
| Loan loss allowance to noncurrent loans | 832.9268% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1450% | 6,009 |
| Noncurrent loans to loans | 0.1521% | 5,861 |
| Net loans and leases to total assets | 59.8237% | 3,723 |
| Net loans and leases to deposits | 68.1054% | 4,049 |
| Net loans and leases to core deposits | 71.8649% | 4,113 |
| Total domestic deposits to total assets | 87.8399% | 2,224 |
| Equity capital to assets | 11.8375% | 2,020 |
| Core capital (leverage) ratio | 11.5638% | 1,991 |
| Tier 1 risk-based capital ratio | 14.6980% | 3,952 |
| Total risk-based capital ratio | 15.6824% | 4,079 |
| Memoranda: | ||
| Average total assets | $88,297,750 | 5,068 |
| Average earning assets | $80,363,000 | 5,083 |
| Average equity | $10,236,250 | 4,838 |
| Average total loans | $54,206,250 | 4,847 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 2,215 |
| Cost of funding earning assets | 0.5304% | 3,600 |
| Net interest margin | 3.9651% | 1,987 |
| Noninterest income to average assets | 1.3080% | 909 |
| Noninterest expense to average assets | 2.3957% | 5,066 |
| Loan and lease loss provision to assets | 0.1703% | 2,206 |
| Net operating income to assets | 1.5782% | 772 |
| Return on assets (ROA) | 1.5782% | 846 |
| Pretax return on assets | 2.3412% | 331 |
| Return on Equity (ROE) | 13.7108% | 1,069 |
| Retained earnings to average equity (ytd only) | 13.7108% | 319 |
| Net charge-offs to loans | 0.6776% | 974 |
| Credit loss provision to net charge-offs | 40.7609% | 3,408 |
| Earnings coverage of net charge-offs (x) | 6.0109% | 2,783 |
| Efficiency ratio | 48.1259% | 6,527 |
| Assets per employee ($millions) | 4.2485% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1335% | 5,304 |
| Loan loss allowance to noncurrent loans | 919.1176% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 6,097 |
| Noncurrent loans to loans | 0.1233% | 6,016 |
| Net loans and leases to total assets | 61.1036% | 3,463 |
| Net loans and leases to deposits | 69.2839% | 3,821 |
| Net loans and leases to core deposits | 73.7231% | 3,852 |
| Total domestic deposits to total assets | 88.1931% | 2,113 |
| Equity capital to assets | 11.5144% | 2,276 |
| Core capital (leverage) ratio | 11.2499% | 2,133 |
| Tier 1 risk-based capital ratio | 14.0991% | 4,357 |
| Total risk-based capital ratio | 14.9885% | 4,583 |
| Memoranda: | ||
| Average total assets | $88,076,000 | 5,106 |
| Average earning assets | $79,947,000 | 5,121 |
| Average equity | $10,138,000 | 4,902 |
| Average total loans | $54,307,000 | 4,872 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6324% | 1,739 |
| Cost of funding earning assets | 0.5444% | 3,629 |
| Net interest margin | 4.0880% | 1,497 |
| Noninterest income to average assets | 1.3896% | 797 |
| Noninterest expense to average assets | 2.4730% | 4,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7691% | 496 |
| Return on assets (ROA) | 1.7691% | 549 |
| Pretax return on assets | 2.6239% | 225 |
| Return on Equity (ROE) | 15.3716% | 690 |
| Retained earnings to average equity (ytd only) | 15.3716% | 322 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8027% | 6,619 |
| Assets per employee ($millions) | 4.2948% | 3,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3552% | 4,443 |
| Loan loss allowance to noncurrent loans | 1,063.7681% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 6,167 |
| Noncurrent loans to loans | 0.1274% | 6,091 |
| Net loans and leases to total assets | 62.2020% | 3,024 |
| Net loans and leases to deposits | 71.1741% | 3,296 |
| Net loans and leases to core deposits | 76.6854% | 3,234 |
| Total domestic deposits to total assets | 87.3941% | 2,695 |
| Equity capital to assets | 11.9505% | 2,073 |
| Core capital (leverage) ratio | 10.7277% | 2,518 |
| Tier 1 risk-based capital ratio | 14.3094% | 4,282 |
| Total risk-based capital ratio | 15.4044% | 4,353 |
| Memoranda: | ||
| Average total assets | $87,504,500 | 5,161 |
| Average earning assets | $79,354,500 | 5,173 |
| Average equity | $10,070,500 | 4,969 |
| Average total loans | $53,890,000 | 4,921 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 3,089 |
| Cost of funding earning assets | 0.6064% | 4,278 |
| Net interest margin | 3.9708% | 2,520 |
| Noninterest income to average assets | 1.4913% | 711 |
| Noninterest expense to average assets | 2.6868% | 4,447 |
| Loan and lease loss provision to assets | 0.1307% | 3,985 |
| Net operating income to assets | 1.5131% | 892 |
| Return on assets (ROA) | 1.5092% | 994 |
| Pretax return on assets | 2.2709% | 351 |
| Return on Equity (ROE) | 13.5785% | 1,083 |
| Retained earnings to average equity (ytd only) | 10.7987% | 461 |
| Net charge-offs to loans | -0.0115% | 6,484 |
| Credit loss provision to net charge-offs | -1,833.3333% | 6,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0411% | 6,460 |
| Assets per employee ($millions) | 4.2435% | 3,475 |
| Cash dividends to net income (ytd only)* | 20.4724% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3690% | 4,313 |
| Loan loss allowance to noncurrent loans | 1,019.4444% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 6,231 |
| Noncurrent loans to loans | 0.1343% | 6,147 |
| Net loans and leases to total assets | 59.3438% | 3,713 |
| Net loans and leases to deposits | 67.1019% | 4,119 |
| Net loans and leases to core deposits | 73.4303% | 3,861 |
| Total domestic deposits to total assets | 88.4383% | 1,936 |
| Equity capital to assets | 11.0826% | 2,856 |
| Core capital (leverage) ratio | 10.6515% | 2,595 |
| Tier 1 risk-based capital ratio | 13.7330% | 4,577 |
| Total risk-based capital ratio | 14.8261% | 4,643 |
| Memoranda: | ||
| Average total assets | $84,152,800 | 5,244 |
| Average earning assets | $76,356,600 | 5,232 |
| Average equity | $9,353,000 | 5,137 |
| Average total loans | $52,157,200 | 5,007 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6061% | 3,177 |
| Cost of funding earning assets | 0.6183% | 4,468 |
| Net interest margin | 3.9878% | 2,547 |
| Noninterest income to average assets | 1.4987% | 667 |
| Noninterest expense to average assets | 2.6984% | 4,370 |
| Loan and lease loss provision to assets | 0.0965% | 4,365 |
| Net operating income to assets | 1.5544% | 940 |
| Return on assets (ROA) | 1.5727% | 1,005 |
| Pretax return on assets | 2.3510% | 369 |
| Return on Equity (ROE) | 14.1394% | 1,077 |
| Retained earnings to average equity (ytd only) | 12.5056% | 441 |
| Net charge-offs to loans | -0.0052% | 6,277 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9950% | 6,449 |
| Assets per employee ($millions) | 4.1054% | 3,671 |
| Cash dividends to net income (ytd only)* | 11.5539% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2948% | 4,838 |
| Loan loss allowance to noncurrent loans | 6,800.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.2552% | 6,059 |
| Noncurrent loans to loans | 0.0190% | 6,595 |
| Net loans and leases to total assets | 60.1283% | 3,755 |
| Net loans and leases to deposits | 68.2227% | 4,148 |
| Net loans and leases to core deposits | 76.0114% | 3,727 |
| Total domestic deposits to total assets | 88.1353% | 1,964 |
| Equity capital to assets | 11.2963% | 2,938 |
| Core capital (leverage) ratio | 10.8359% | 2,559 |
| Tier 1 risk-based capital ratio | 13.2205% | 5,085 |
| Total risk-based capital ratio | 14.2118% | 5,246 |
| Memoranda: | ||
| Average total assets | $82,912,750 | 5,327 |
| Average earning assets | $75,260,250 | 5,317 |
| Average equity | $9,222,250 | 5,211 |
| Average total loans | $51,792,250 | 5,085 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6980% | 2,920 |
| Cost of funding earning assets | 0.6275% | 4,654 |
| Net interest margin | 4.0705% | 2,204 |
| Noninterest income to average assets | 1.4594% | 682 |
| Noninterest expense to average assets | 2.6500% | 4,605 |
| Loan and lease loss provision to assets | 0.1467% | 3,681 |
| Net operating income to assets | 1.5587% | 900 |
| Return on assets (ROA) | 1.5866% | 959 |
| Pretax return on assets | 2.3835% | 357 |
| Return on Equity (ROE) | 14.3425% | 1,041 |
| Retained earnings to average equity (ytd only) | 11.8453% | 610 |
| Net charge-offs to loans | 0.0310% | 4,946 |
| Credit loss provision to net charge-offs | 750.0000% | 416 |
| Earnings coverage of net charge-offs (x) | 127.2500% | 350 |
| Efficiency ratio | 50.8563% | 6,584 |
| Assets per employee ($millions) | 3.5953% | 4,758 |
| Cash dividends to net income (ytd only)* | 17.4114% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 4,941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2540% | 6,137 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 62.1228% | 3,405 |
| Net loans and leases to deposits | 70.4751% | 3,827 |
| Net loans and leases to core deposits | 79.3825% | 3,308 |
| Total domestic deposits to total assets | 88.1486% | 2,039 |
| Equity capital to assets | 11.2975% | 2,794 |
| Core capital (leverage) ratio | 10.8784% | 2,415 |
| Tier 1 risk-based capital ratio | 11.6459% | 6,143 |
| Total risk-based capital ratio | 12.5395% | 6,321 |
| Memoranda: | ||
| Average total assets | $81,812,330 | 5,386 |
| Average earning assets | $73,947,000 | 5,397 |
| Average equity | $9,050,000 | 5,254 |
| Average total loans | $51,550,000 | 5,120 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8475% | 2,452 |
| Cost of funding earning assets | 0.6434% | 4,791 |
| Net interest margin | 4.2041% | 1,750 |
| Noninterest income to average assets | 1.5927% | 567 |
| Noninterest expense to average assets | 2.7724% | 4,151 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7292% | 682 |
| Return on assets (ROA) | 1.7844% | 689 |
| Pretax return on assets | 2.6938% | 257 |
| Return on Equity (ROE) | 16.3073% | 764 |
| Retained earnings to average equity (ytd only) | 11.2309% | 979 |
| Net charge-offs to loans | 0.0936% | 3,585 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 44.2500% | 690 |
| Efficiency ratio | 50.7763% | 6,623 |
| Assets per employee ($millions) | 3.5767% | 4,944 |
| Cash dividends to net income (ytd only)* | 31.1295% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1859% | 5,558 |
| Loan loss allowance to noncurrent loans | 217.2043% | 1,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5482% | 5,508 |
| Noncurrent loans to loans | 0.5460% | 5,567 |
| Net loans and leases to total assets | 61.3829% | 3,379 |
| Net loans and leases to deposits | 69.5202% | 3,800 |
| Net loans and leases to core deposits | 78.3382% | 3,281 |
| Total domestic deposits to total assets | 88.2950% | 2,137 |
| Equity capital to assets | 10.9635% | 2,948 |
| Core capital (leverage) ratio | 10.5252% | 2,720 |
| Tier 1 risk-based capital ratio | 12.6032% | 5,516 |
| Total risk-based capital ratio | 13.5083% | 5,759 |
| Memoranda: | ||
| Average total assets | $81,373,000 | 5,431 |
| Average earning assets | $73,357,000 | 5,458 |
| Average equity | $8,904,000 | 5,314 |
| Average total loans | $51,305,000 | 5,168 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1642% | 2,208 |
| Cost of funding earning assets | 0.7390% | 5,284 |
| Net interest margin | 4.4252% | 1,328 |
| Noninterest income to average assets | 0.9942% | 1,384 |
| Noninterest expense to average assets | 3.0817% | 3,260 |
| Loan and lease loss provision to assets | 0.0386% | 6,087 |
| Net operating income to assets | 1.2201% | 1,463 |
| Return on assets (ROA) | 1.2244% | 1,551 |
| Pretax return on assets | 1.8315% | 754 |
| Return on Equity (ROE) | 11.5115% | 1,554 |
| Retained earnings to average equity (ytd only) | 10.3265% | 506 |
| Net charge-offs to loans | -0.0730% | 7,098 |
| Credit loss provision to net charge-offs | -83.3333% | 6,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5345% | 5,532 |
| Assets per employee ($millions) | 3.3534% | 5,365 |
| Cash dividends to net income (ytd only)* | 10.2941% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 5,390 |
| Loan loss allowance to noncurrent loans | 223.9130% | 1,481 |
| Noncurrent assets plus other real estate owned to assets | 0.5566% | 5,578 |
| Noncurrent loans to loans | 0.5358% | 5,643 |
| Net loans and leases to total assets | 63.2315% | 3,345 |
| Net loans and leases to deposits | 71.7175% | 3,841 |
| Net loans and leases to core deposits | 81.3940% | 3,264 |
| Total domestic deposits to total assets | 88.1675% | 2,045 |
| Equity capital to assets | 10.9205% | 3,054 |
| Core capital (leverage) ratio | 10.1825% | 3,111 |
| Tier 1 risk-based capital ratio | 12.7309% | 5,287 |
| Total risk-based capital ratio | 13.6916% | 5,476 |
| Memoranda: | ||
| Average total assets | $77,750,200 | 5,514 |
| Average earning assets | $69,420,800 | 5,556 |
| Average equity | $8,270,000 | 5,481 |
| Average total loans | $49,331,200 | 5,292 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1047% | 2,582 |
| Cost of funding earning assets | 0.7481% | 5,477 |
| Net interest margin | 4.3566% | 1,544 |
| Noninterest income to average assets | 1.0311% | 1,269 |
| Noninterest expense to average assets | 2.9272% | 3,809 |
| Loan and lease loss provision to assets | 0.0519% | 5,802 |
| Net operating income to assets | 1.2952% | 1,391 |
| Return on assets (ROA) | 1.3010% | 1,464 |
| Pretax return on assets | 1.9394% | 712 |
| Return on Equity (ROE) | 12.3171% | 1,461 |
| Retained earnings to average equity (ytd only) | 10.7120% | 680 |
| Net charge-offs to loans | -0.2678% | 7,291 |
| Credit loss provision to net charge-offs | -30.6122% | 6,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8090% | 5,895 |
| Assets per employee ($millions) | 3.3693% | 5,320 |
| Cash dividends to net income (ytd only)* | 13.0316% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 4,703 |
| Loan loss allowance to noncurrent loans | 272.0000% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6146% | 5,593 |
| Noncurrent loans to loans | 0.5025% | 5,838 |
| Net loans and leases to total assets | 60.6903% | 4,007 |
| Net loans and leases to deposits | 68.6762% | 4,488 |
| Net loans and leases to core deposits | 77.5721% | 3,969 |
| Total domestic deposits to total assets | 88.3717% | 1,824 |
| Equity capital to assets | 10.5932% | 3,584 |
| Core capital (leverage) ratio | 10.0642% | 3,353 |
| Tier 1 risk-based capital ratio | 12.8375% | 5,214 |
| Total risk-based capital ratio | 13.9310% | 5,319 |
| Memoranda: | ||
| Average total assets | $77,067,250 | 5,574 |
| Average earning assets | $68,614,500 | 5,630 |
| Average equity | $8,140,250 | 5,556 |
| Average total loans | $48,787,000 | 5,356 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0396% | 2,971 |
| Cost of funding earning assets | 0.7655% | 5,589 |
| Net interest margin | 4.2741% | 1,754 |
| Noninterest income to average assets | 1.0739% | 1,134 |
| Noninterest expense to average assets | 2.9234% | 3,928 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2998% | 1,320 |
| Return on assets (ROA) | 1.3087% | 1,365 |
| Pretax return on assets | 1.9498% | 643 |
| Return on Equity (ROE) | 12.4026% | 1,375 |
| Retained earnings to average equity (ytd only) | 9.9521% | 853 |
| Net charge-offs to loans | -0.1403% | 7,241 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3377% | 5,975 |
| Assets per employee ($millions) | 3.2672% | 5,489 |
| Cash dividends to net income (ytd only)* | 19.7581% | 2,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 5,696 |
| Loan loss allowance to noncurrent loans | 202.7682% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 0.9743% | 4,918 |
| Noncurrent loans to loans | 0.5741% | 5,776 |
| Net loans and leases to total assets | 63.4533% | 3,587 |
| Net loans and leases to deposits | 71.8785% | 4,133 |
| Net loans and leases to core deposits | 81.8568% | 3,519 |
| Total domestic deposits to total assets | 88.2786% | 1,975 |
| Equity capital to assets | 10.5609% | 3,429 |
| Core capital (leverage) ratio | 10.2570% | 2,968 |
| Tier 1 risk-based capital ratio | 12.6570% | 5,214 |
| Total risk-based capital ratio | 13.6179% | 5,439 |
| Memoranda: | ||
| Average total assets | $75,802,000 | 5,657 |
| Average earning assets | $67,148,000 | 5,724 |
| Average equity | $7,998,330 | 5,608 |
| Average total loans | $48,464,000 | 5,421 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1052% | 2,625 |
| Cost of funding earning assets | 0.7822% | 5,657 |
| Net interest margin | 4.3230% | 1,494 |
| Noninterest income to average assets | 1.0739% | 1,138 |
| Noninterest expense to average assets | 3.0766% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2223% | 1,471 |
| Return on assets (ROA) | 1.2403% | 1,473 |
| Pretax return on assets | 1.8524% | 736 |
| Return on Equity (ROE) | 11.7602% | 1,530 |
| Retained earnings to average equity (ytd only) | 6.7710% | 2,248 |
| Net charge-offs to loans | -0.1010% | 7,091 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8839% | 5,702 |
| Assets per employee ($millions) | 3.1579% | 5,823 |
| Cash dividends to net income (ytd only)* | 42.4242% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1815% | 5,710 |
| Loan loss allowance to noncurrent loans | 205.0909% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.9975% | 4,908 |
| Noncurrent loans to loans | 0.5761% | 5,872 |
| Net loans and leases to total assets | 62.2399% | 3,801 |
| Net loans and leases to deposits | 70.3940% | 4,287 |
| Net loans and leases to core deposits | 78.9129% | 3,910 |
| Total domestic deposits to total assets | 88.4165% | 2,136 |
| Equity capital to assets | 10.4646% | 3,218 |
| Core capital (leverage) ratio | 10.1398% | 2,987 |
| Tier 1 risk-based capital ratio | 12.7918% | 4,982 |
| Total risk-based capital ratio | 13.7606% | 5,235 |
| Memoranda: | ||
| Average total assets | $74,497,000 | 5,745 |
| Average earning assets | $65,972,000 | 5,798 |
| Average equity | $7,857,000 | 5,659 |
| Average total loans | $47,525,500 | 5,498 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4851% | 2,348 |
| Cost of funding earning assets | 1.0130% | 5,623 |
| Net interest margin | 4.4721% | 1,296 |
| Noninterest income to average assets | 1.0478% | 1,364 |
| Noninterest expense to average assets | 3.0906% | 3,503 |
| Loan and lease loss provision to assets | 0.5190% | 3,080 |
| Net operating income to assets | 0.9520% | 2,197 |
| Return on assets (ROA) | 0.9520% | 2,322 |
| Pretax return on assets | 1.3836% | 1,705 |
| Return on Equity (ROE) | 9.1345% | 2,242 |
| Retained earnings to average equity (ytd only) | 7.8296% | 1,035 |
| Net charge-offs to loans | 0.1727% | 5,286 |
| Credit loss provision to net charge-offs | 473.4177% | 484 |
| Earnings coverage of net charge-offs (x) | 17.3544% | 1,155 |
| Efficiency ratio | 61.0061% | 5,892 |
| Assets per employee ($millions) | 3.0502% | 5,998 |
| Cash dividends to net income (ytd only)* | 14.2857% | 3,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1666% | 5,658 |
| Loan loss allowance to noncurrent loans | 169.8462% | 1,756 |
| Noncurrent assets plus other real estate owned to assets | 1.2021% | 4,621 |
| Noncurrent loans to loans | 0.6869% | 5,670 |
| Net loans and leases to total assets | 63.8809% | 3,901 |
| Net loans and leases to deposits | 72.7652% | 4,384 |
| Net loans and leases to core deposits | 82.3745% | 3,846 |
| Total domestic deposits to total assets | 87.7905% | 2,373 |
| Equity capital to assets | 10.6318% | 3,036 |
| Core capital (leverage) ratio | 9.8820% | 3,229 |
| Tier 1 risk-based capital ratio | 12.7767% | 4,790 |
| Total risk-based capital ratio | 13.7427% | 5,014 |
| Memoranda: | ||
| Average total assets | $72,057,600 | 5,812 |
| Average earning assets | $63,572,000 | 5,871 |
| Average equity | $7,510,000 | 5,871 |
| Average total loans | $45,749,800 | 5,664 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 3,009 |
| Cost of funding earning assets | 1.0587% | 5,655 |
| Net interest margin | 4.3148% | 1,795 |
| Noninterest income to average assets | 1.0905% | 1,202 |
| Noninterest expense to average assets | 2.8702% | 4,205 |
| Loan and lease loss provision to assets | 0.6205% | 2,457 |
| Net operating income to assets | 0.9642% | 2,359 |
| Return on assets (ROA) | 0.9642% | 2,485 |
| Pretax return on assets | 1.4082% | 1,857 |
| Return on Equity (ROE) | 9.2986% | 2,390 |
| Retained earnings to average equity (ytd only) | 7.5428% | 1,580 |
| Net charge-offs to loans | 0.3616% | 3,854 |
| Credit loss provision to net charge-offs | 271.5447% | 1,205 |
| Earnings coverage of net charge-offs (x) | 8.8778% | 2,097 |
| Efficiency ratio | 57.6792% | 6,311 |
| Assets per employee ($millions) | 3.2445% | 5,588 |
| Cash dividends to net income (ytd only)* | 18.8820% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 6,359 |
| Loan loss allowance to noncurrent loans | 150.4823% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 4,414 |
| Noncurrent loans to loans | 0.6697% | 5,861 |
| Net loans and leases to total assets | 61.6057% | 4,613 |
| Net loans and leases to deposits | 69.7401% | 5,188 |
| Net loans and leases to core deposits | 79.7751% | 4,549 |
| Total domestic deposits to total assets | 88.3360% | 1,770 |
| Equity capital to assets | 10.3909% | 3,652 |
| Core capital (leverage) ratio | 9.7941% | 3,497 |
| Tier 1 risk-based capital ratio | 12.5162% | 4,967 |
| Total risk-based capital ratio | 13.3384% | 5,343 |
| Memoranda: | ||
| Average total assets | $71,770,750 | 5,892 |
| Average earning assets | $63,346,500 | 5,939 |
| Average equity | $7,441,750 | 5,969 |
| Average total loans | $45,358,250 | 5,772 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2758% | 3,581 |
| Cost of funding earning assets | 1.0787% | 5,791 |
| Net interest margin | 4.1971% | 2,164 |
| Noninterest income to average assets | 1.1155% | 1,051 |
| Noninterest expense to average assets | 2.8467% | 4,278 |
| Loan and lease loss provision to assets | 0.7343% | 1,976 |
| Net operating income to assets | 0.7343% | 3,258 |
| Return on assets (ROA) | 0.7343% | 3,410 |
| Pretax return on assets | 1.2595% | 2,227 |
| Return on Equity (ROE) | 7.0867% | 3,263 |
| Retained earnings to average equity (ytd only) | 4.4156% | 3,265 |
| Net charge-offs to loans | 0.6934% | 2,484 |
| Credit loss provision to net charge-offs | 166.6667% | 2,354 |
| Earnings coverage of net charge-offs (x) | 4.5256% | 2,928 |
| Efficiency ratio | 57.8763% | 6,397 |
| Assets per employee ($millions) | 3.2995% | 5,432 |
| Cash dividends to net income (ytd only)* | 37.6923% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7820% | 7,073 |
| Loan loss allowance to noncurrent loans | 245.5782% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 1.1930% | 4,752 |
| Noncurrent loans to loans | 0.3184% | 6,587 |
| Net loans and leases to total assets | 63.0991% | 4,446 |
| Net loans and leases to deposits | 71.2377% | 5,111 |
| Net loans and leases to core deposits | 81.1678% | 4,533 |
| Total domestic deposits to total assets | 88.5754% | 1,688 |
| Equity capital to assets | 10.2784% | 3,675 |
| Core capital (leverage) ratio | 9.6250% | 3,650 |
| Tier 1 risk-based capital ratio | 12.3412% | 5,002 |
| Total risk-based capital ratio | 12.9908% | 5,511 |
| Memoranda: | ||
| Average total assets | $70,820,000 | 5,952 |
| Average earning assets | $62,853,000 | 5,990 |
| Average equity | $7,337,670 | 6,018 |
| Average total loans | $44,997,670 | 5,820 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1441% | 4,325 |
| Cost of funding earning assets | 1.1295% | 5,760 |
| Net interest margin | 4.0146% | 2,813 |
| Noninterest income to average assets | 1.0867% | 1,074 |
| Noninterest expense to average assets | 2.7053% | 4,884 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.3327% | 1,220 |
| Return on assets (ROA) | 1.3327% | 1,293 |
| Pretax return on assets | 1.9389% | 681 |
| Return on Equity (ROE) | 12.8092% | 1,293 |
| Retained earnings to average equity (ytd only) | 7.4217% | 1,963 |
| Net charge-offs to loans | -0.0630% | 7,415 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2660% | 6,595 |
| Assets per employee ($millions) | 3.2491% | 5,653 |
| Cash dividends to net income (ytd only)* | 42.0601% | 1,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5833% | 7,522 |
| Loan loss allowance to noncurrent loans | 38.0403% | 5,819 |
| Noncurrent assets plus other real estate owned to assets | 1.7571% | 3,847 |
| Noncurrent loans to loans | 1.5333% | 4,448 |
| Net loans and leases to total assets | 62.9519% | 4,542 |
| Net loans and leases to deposits | 70.8898% | 5,218 |
| Net loans and leases to core deposits | 82.8372% | 4,376 |
| Total domestic deposits to total assets | 88.8025% | 1,617 |
| Equity capital to assets | 10.3386% | 3,423 |
| Core capital (leverage) ratio | 9.7789% | 3,422 |
| Tier 1 risk-based capital ratio | 12.7891% | 4,493 |
| Total risk-based capital ratio | 13.2839% | 5,124 |
| Memoranda: | ||
| Average total assets | $69,935,500 | 6,046 |
| Average earning assets | $61,973,500 | 6,087 |
| Average equity | $7,276,000 | 6,091 |
| Average total loans | $44,414,500 | 5,919 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3125% | 5,116 |
| Cost of funding earning assets | 1.3290% | 6,211 |
| Net interest margin | 3.9835% | 2,922 |
| Noninterest income to average assets | 1.2266% | 1,007 |
| Noninterest expense to average assets | 3.3509% | 2,829 |
| Loan and lease loss provision to assets | 0.1742% | 5,953 |
| Net operating income to assets | 0.9187% | 2,109 |
| Return on assets (ROA) | 0.9676% | 2,009 |
| Pretax return on assets | 1.3249% | 1,626 |
| Return on Equity (ROE) | 9.3695% | 1,896 |
| Retained earnings to average equity (ytd only) | 7.8271% | 744 |
| Net charge-offs to loans | 0.2151% | 5,280 |
| Credit loss provision to net charge-offs | 136.0465% | 3,632 |
| Earnings coverage of net charge-offs (x) | 11.1860% | 1,617 |
| Efficiency ratio | 68.8142% | 4,858 |
| Assets per employee ($millions) | 3.1087% | 5,969 |
| Cash dividends to net income (ytd only)* | 16.4615% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5899% | 7,569 |
| Loan loss allowance to noncurrent loans | 53.0992% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 1.5324% | 4,082 |
| Noncurrent loans to loans | 1.1109% | 5,105 |
| Net loans and leases to total assets | 63.3270% | 4,747 |
| Net loans and leases to deposits | 71.4392% | 5,411 |
| Net loans and leases to core deposits | 90.4837% | 5,068 |
| Total domestic deposits to total assets | 88.6447% | 1,658 |
| Equity capital to assets | 10.4721% | 3,216 |
| Core capital (leverage) ratio | 9.4826% | 3,744 |
| Tier 1 risk-based capital ratio | 12.8072% | 4,280 |
| Total risk-based capital ratio | 13.3049% | 4,859 |
| Memoranda: | ||
| Average total assets | $67,176,000 | 6,103 |
| Average earning assets | $59,972,000 | 6,126 |
| Average equity | $6,937,400 | 6,289 |
| Average total loans | $39,982,800 | 6,110 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3049% | 5,395 |
| Cost of funding earning assets | 1.3534% | 6,388 |
| Net interest margin | 3.9514% | 3,029 |
| Noninterest income to average assets | 1.2382% | 1,006 |
| Noninterest expense to average assets | 3.1123% | 3,609 |
| Loan and lease loss provision to assets | 0.2333% | 5,107 |
| Net operating income to assets | 1.0527% | 1,887 |
| Return on assets (ROA) | 1.0527% | 1,951 |
| Pretax return on assets | 1.4375% | 1,598 |
| Return on Equity (ROE) | 10.2304% | 1,838 |
| Retained earnings to average equity (ytd only) | 8.1572% | 1,093 |
| Net charge-offs to loans | 0.3070% | 4,116 |
| Credit loss provision to net charge-offs | 130.0000% | 3,854 |
| Earnings coverage of net charge-offs (x) | 9.3109% | 2,123 |
| Efficiency ratio | 63.8183% | 5,790 |
| Assets per employee ($millions) | 3.0040% | 6,152 |
| Cash dividends to net income (ytd only)* | 20.2648% | 3,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5962% | 7,586 |
| Loan loss allowance to noncurrent loans | 156.1728% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 1.0551% | 4,968 |
| Noncurrent loans to loans | 0.3818% | 6,584 |
| Net loans and leases to total assets | 61.0467% | 5,417 |
| Net loans and leases to deposits | 68.8243% | 6,050 |
| Net loans and leases to core deposits | 88.7083% | 5,562 |
| Total domestic deposits to total assets | 88.6993% | 1,341 |
| Equity capital to assets | 10.3310% | 3,696 |
| Core capital (leverage) ratio | 9.4463% | 3,984 |
| Tier 1 risk-based capital ratio | 13.0031% | 4,190 |
| Total risk-based capital ratio | 13.5107% | 4,679 |
| Memoranda: | ||
| Average total assets | $66,872,250 | 6,159 |
| Average earning assets | $59,993,750 | 6,171 |
| Average equity | $6,881,250 | 6,362 |
| Average total loans | $39,086,750 | 6,195 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2505% | 5,867 |
| Cost of funding earning assets | 1.3808% | 6,548 |
| Net interest margin | 3.8697% | 3,253 |
| Noninterest income to average assets | 1.3125% | 893 |
| Noninterest expense to average assets | 3.2541% | 3,138 |
| Loan and lease loss provision to assets | 0.2782% | 4,349 |
| Net operating income to assets | 0.9980% | 2,110 |
| Return on assets (ROA) | 0.9980% | 2,207 |
| Pretax return on assets | 1.2551% | 2,144 |
| Return on Equity (ROE) | 9.7121% | 2,127 |
| Retained earnings to average equity (ytd only) | 6.5630% | 1,762 |
| Net charge-offs to loans | 0.5162% | 2,778 |
| Credit loss provision to net charge-offs | 93.8776% | 4,802 |
| Earnings coverage of net charge-offs (x) | 5.1735% | 2,896 |
| Efficiency ratio | 66.7088% | 5,417 |
| Assets per employee ($millions) | 2.8472% | 6,521 |
| Cash dividends to net income (ytd only)* | 32.4242% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5365% | 7,746 |
| Loan loss allowance to noncurrent loans | 112.2449% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 1.1166% | 4,721 |
| Noncurrent loans to loans | 0.4780% | 6,329 |
| Net loans and leases to total assets | 59.6827% | 5,735 |
| Net loans and leases to deposits | 67.1325% | 6,278 |
| Net loans and leases to core deposits | 84.0557% | 6,085 |
| Total domestic deposits to total assets | 88.9029% | 1,312 |
| Equity capital to assets | 10.1020% | 3,811 |
| Core capital (leverage) ratio | 9.4429% | 3,971 |
| Tier 1 risk-based capital ratio | 12.9707% | 4,168 |
| Total risk-based capital ratio | 13.4256% | 4,690 |
| Memoranda: | ||
| Average total assets | $66,132,000 | 6,219 |
| Average earning assets | $59,384,670 | 6,257 |
| Average equity | $6,795,670 | 6,442 |
| Average total loans | $37,971,670 | 6,296 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1271% | 6,571 |
| Cost of funding earning assets | 1.4610% | 6,536 |
| Net interest margin | 3.6661% | 4,035 |
| Noninterest income to average assets | 1.3593% | 773 |
| Noninterest expense to average assets | 3.2046% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2671% | 1,462 |
| Return on assets (ROA) | 1.2671% | 1,562 |
| Pretax return on assets | 1.4578% | 1,792 |
| Return on Equity (ROE) | 12.2219% | 1,593 |
| Retained earnings to average equity (ytd only) | 5.8143% | 2,717 |
| Net charge-offs to loans | -0.0110% | 7,294 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4142% | 5,061 |
| Assets per employee ($millions) | 2.7498% | 6,769 |
| Cash dividends to net income (ytd only)* | 52.4272% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6012% | 7,654 |
| Loan loss allowance to noncurrent loans | 398.2456% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.8652% | 5,028 |
| Noncurrent loans to loans | 0.1510% | 7,086 |
| Net loans and leases to total assets | 56.8671% | 6,119 |
| Net loans and leases to deposits | 64.1517% | 6,548 |
| Net loans and leases to core deposits | 77.4517% | 6,579 |
| Total domestic deposits to total assets | 88.6448% | 1,400 |
| Equity capital to assets | 10.2597% | 3,700 |
| Core capital (leverage) ratio | 9.4203% | 4,080 |
| Tier 1 risk-based capital ratio | 13.7347% | 3,724 |
| Total risk-based capital ratio | 14.2426% | 4,111 |
| Memoranda: | ||
| Average total assets | $65,031,500 | 6,289 |
| Average earning assets | $58,590,500 | 6,320 |
| Average equity | $6,742,000 | 6,501 |
| Average total loans | $36,456,000 | 6,415 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5271% | 2,830 |
| Cost of funding earning assets | 1.7567% | 7,120 |
| Net interest margin | 4.7704% | 833 |
| Noninterest income to average assets | 1.4479% | 679 |
| Noninterest expense to average assets | 3.8853% | 1,588 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1974% | 1,775 |
| Return on assets (ROA) | 1.1974% | 1,707 |
| Pretax return on assets | 1.7694% | 1,001 |
| Return on Equity (ROE) | 10.5342% | 2,078 |
| Retained earnings to average equity (ytd only) | 8.0804% | 822 |
| Net charge-offs to loans | 0.0514% | 6,057 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 55.3333% | 714 |
| Efficiency ratio | 67.4521% | 4,827 |
| Assets per employee ($millions) | 2.6695% | 6,852 |
| Cash dividends to net income (ytd only)* | 23.2938% | 4,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6429% | 7,567 |
| Loan loss allowance to noncurrent loans | 396.4912% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 0.8928% | 4,622 |
| Noncurrent loans to loans | 0.1621% | 6,918 |
| Net loans and leases to total assets | 54.5195% | 6,596 |
| Net loans and leases to deposits | 61.8683% | 6,954 |
| Net loans and leases to core deposits | 76.5098% | 6,834 |
| Total domestic deposits to total assets | 88.1218% | 1,419 |
| Equity capital to assets | 10.4781% | 3,530 |
| Core capital (leverage) ratio | 9.7893% | 3,661 |
| Tier 1 risk-based capital ratio | 14.1241% | 3,488 |
| Total risk-based capital ratio | 14.6534% | 3,773 |
| Memoranda: | ||
| Average total assets | $56,289,400 | 6,515 |
| Average earning assets | $49,639,200 | 6,606 |
| Average equity | $6,398,200 | 6,678 |
| Average total loans | $35,024,800 | 6,425 |