Home > Johnson State Bank > Performance and Condition Ratios
Johnson 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 | 4.1472% | 3,726 |
| Cost of funding earning assets | 0.9303% | 3,456 |
| Net interest margin | 3.2169% | 2,837 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.3941% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.7651% | 2,996 |
| Return on assets (ROA) | 0.8627% | 2,635 |
| Pretax return on assets | 0.8979% | 2,967 |
| Return on Equity (ROE) | 7.7000% | 3,098 |
| Retained earnings to average equity (ytd only) | 4.1450% | 2,905 |
| Net charge-offs to loans | -0.3041% | 4,581 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 75.0406% | 1,346 |
| Assets per employee ($millions) | 5.4675% | 3,276 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3590% | 93 |
| Loan loss allowance to noncurrent loans | 35.3207% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 3.3385% | 56 |
| Noncurrent loans to loans | 9.5099% | 13 |
| Net loans and leases to total assets | 33.9300% | 4,212 |
| Net loans and leases to deposits | 41.0420% | 4,175 |
| Net loans and leases to core deposits | 45.9256% | 4,160 |
| Total domestic deposits to total assets | 82.6600% | 2,969 |
| Equity capital to assets | 12.6136% | 965 |
| Core capital (leverage) ratio | 16.3528% | 446 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $96,446,200 | 3,859 |
| Average earning assets | $88,469,600 | 3,844 |
| Average equity | $10,808,200 | 3,640 |
| Average total loans | $32,558,000 | 4,104 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2283% | 3,420 |
| Cost of funding earning assets | 0.8226% | 3,467 |
| Net interest margin | 3.4057% | 2,442 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 2.3674% | 2,607 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9519% | 2,510 |
| Return on assets (ROA) | 0.9891% | 2,383 |
| Pretax return on assets | 1.0207% | 2,797 |
| Return on Equity (ROE) | 9.1000% | 2,897 |
| Retained earnings to average equity (ytd only) | 4.6379% | 3,065 |
| Net charge-offs to loans | -0.2868% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 70.6748% | 1,712 |
| Assets per employee ($millions) | 5.5256% | 3,161 |
| Cash dividends to net income (ytd only)* | 49.0305% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1877% | 104 |
| Loan loss allowance to noncurrent loans | 1,055.4455% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.1075% | 2,860 |
| Noncurrent loans to loans | 0.3020% | 2,150 |
| Net loans and leases to total assets | 34.4700% | 4,232 |
| Net loans and leases to deposits | 40.5651% | 4,194 |
| Net loans and leases to core deposits | 45.3857% | 4,144 |
| Total domestic deposits to total assets | 84.9600% | 2,511 |
| Equity capital to assets | 10.3252% | 1,630 |
| Core capital (leverage) ratio | 15.8847% | 507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $97,321,000 | 3,864 |
| Average earning assets | $89,143,000 | 3,858 |
| Average equity | $10,579,250 | 3,665 |
| Average total loans | $32,540,250 | 4,116 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1182% | 3,450 |
| Cost of funding earning assets | 0.6709% | 3,566 |
| Net interest margin | 3.4473% | 2,399 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 2.3118% | 2,763 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0588% | 2,237 |
| Return on assets (ROA) | 1.0787% | 2,179 |
| Pretax return on assets | 1.1051% | 2,635 |
| Return on Equity (ROE) | 9.7700% | 2,773 |
| Retained earnings to average equity (ytd only) | 5.4632% | 2,799 |
| Net charge-offs to loans | -0.3164% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.0622% | 1,980 |
| Assets per employee ($millions) | 5.6361% | 3,031 |
| Cash dividends to net income (ytd only)* | 44.0678% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1402% | 119 |
| Loan loss allowance to noncurrent loans | 1,007.6923% | 953 |
| Noncurrent assets plus other real estate owned to assets | 0.1085% | 2,784 |
| Noncurrent loans to loans | 0.3116% | 2,025 |
| Net loans and leases to total assets | 33.7400% | 4,243 |
| Net loans and leases to deposits | 41.0078% | 4,188 |
| Net loans and leases to core deposits | 46.4801% | 4,114 |
| Total domestic deposits to total assets | 82.2700% | 3,174 |
| Equity capital to assets | 11.1977% | 1,304 |
| Core capital (leverage) ratio | 15.6499% | 513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $98,449,667 | 3,870 |
| Average earning assets | $90,330,333 | 3,860 |
| Average equity | $10,872,667 | 3,642 |
| Average total loans | $32,240,000 | 4,135 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1546% | 3,129 |
| Cost of funding earning assets | 0.6116% | 3,345 |
| Net interest margin | 3.5430% | 2,256 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 2.3695% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1024% | 2,219 |
| Return on assets (ROA) | 1.0825% | 2,252 |
| Pretax return on assets | 1.0986% | 2,710 |
| Return on Equity (ROE) | 9.8700% | 2,823 |
| Retained earnings to average equity (ytd only) | 5.7015% | 2,849 |
| Net charge-offs to loans | -0.4041% | 4,647 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 67.9310% | 1,980 |
| Assets per employee ($millions) | 5.6293% | 3,093 |
| Cash dividends to net income (ytd only)* | 42.2222% | 1,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2764% | 110 |
| Loan loss allowance to noncurrent loans | 951.8519% | 1,024 |
| Noncurrent assets plus other real estate owned to assets | 0.1129% | 2,732 |
| Noncurrent loans to loans | 0.3442% | 1,913 |
| Net loans and leases to total assets | 31.7100% | 4,330 |
| Net loans and leases to deposits | 37.5431% | 4,283 |
| Net loans and leases to core deposits | 42.1805% | 4,219 |
| Total domestic deposits to total assets | 84.4700% | 2,980 |
| Equity capital to assets | 11.8205% | 1,056 |
| Core capital (leverage) ratio | 14.8155% | 607 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $99,767,500 | 3,912 |
| Average earning assets | $91,561,500 | 3,900 |
| Average equity | $10,944,500 | 3,680 |
| Average total loans | $31,673,000 | 4,199 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2148% | 3,796 |
| Cost of funding earning assets | 0.3012% | 2,866 |
| Net interest margin | 2.9136% | 3,650 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.1988% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6864% | 3,654 |
| Return on assets (ROA) | 0.7747% | 3,349 |
| Pretax return on assets | 0.8110% | 3,597 |
| Return on Equity (ROE) | 6.6300% | 3,706 |
| Retained earnings to average equity (ytd only) | 3.5938% | 3,542 |
| Net charge-offs to loans | -0.5280% | 4,703 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.3548% | 1,083 |
| Assets per employee ($millions) | 6.1081% | 2,670 |
| Cash dividends to net income (ytd only)* | 45.7627% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1154% | 109 |
| Loan loss allowance to noncurrent loans | 866.0870% | 1,099 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 2,752 |
| Noncurrent loans to loans | 0.3597% | 1,854 |
| Net loans and leases to total assets | 29.8300% | 4,393 |
| Net loans and leases to deposits | 34.4849% | 4,384 |
| Net loans and leases to core deposits | 37.3311% | 4,348 |
| Total domestic deposits to total assets | 86.5000% | 2,571 |
| Equity capital to assets | 10.1862% | 1,620 |
| Core capital (leverage) ratio | 15.3493% | 522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $99,008,400 | 3,936 |
| Average earning assets | $91,639,800 | 3,921 |
| Average equity | $11,575,400 | 3,707 |
| Average total loans | $31,248,000 | 4,220 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1259% | 3,611 |
| Cost of funding earning assets | 0.2728% | 2,458 |
| Net interest margin | 2.8531% | 3,616 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.2276% | 2,853 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6172% | 3,797 |
| Return on assets (ROA) | 0.7362% | 3,407 |
| Pretax return on assets | 0.7580% | 3,675 |
| Return on Equity (ROE) | 6.0900% | 3,781 |
| Retained earnings to average equity (ytd only) | 3.6194% | 3,580 |
| Net charge-offs to loans | -0.6180% | 4,743 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 77.8095% | 928 |
| Assets per employee ($millions) | 5.4562% | 3,272 |
| Cash dividends to net income (ytd only)* | 40.5556% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0303% | 129 |
| Loan loss allowance to noncurrent loans | 800.0000% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 2,691 |
| Noncurrent loans to loans | 0.3788% | 1,875 |
| Net loans and leases to total assets | 33.6700% | 4,316 |
| Net loans and leases to deposits | 39.1727% | 4,269 |
| Net loans and leases to core deposits | 42.9986% | 4,198 |
| Total domestic deposits to total assets | 85.9600% | 3,073 |
| Equity capital to assets | 10.2086% | 1,519 |
| Core capital (leverage) ratio | 15.1139% | 536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $97,801,250 | 3,974 |
| Average earning assets | $90,893,750 | 3,950 |
| Average equity | $11,825,000 | 3,727 |
| Average total loans | $31,067,500 | 4,249 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8993% | 3,784 |
| Cost of funding earning assets | 0.2439% | 2,342 |
| Net interest margin | 2.6553% | 3,803 |
| Noninterest income to average assets | 0.1990% | 4,004 |
| Noninterest expense to average assets | 2.1732% | 2,937 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4820% | 3,945 |
| Return on assets (ROA) | 0.5971% | 3,578 |
| Pretax return on assets | 0.6172% | 3,780 |
| Return on Equity (ROE) | 4.7104% | 3,870 |
| Retained earnings to average equity (ytd only) | 2.9975% | 3,445 |
| Net charge-offs to loans | -0.8082% | 4,712 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3394% | 846 |
| Assets per employee ($millions) | 5.7515% | 2,978 |
| Cash dividends to net income (ytd only)* | 36.3636% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1877% | 117 |
| Loan loss allowance to noncurrent loans | 712.6866% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 2,757 |
| Noncurrent loans to loans | 0.4473% | 1,780 |
| Net loans and leases to total assets | 29.6637% | 4,474 |
| Net loans and leases to deposits | 34.8221% | 4,429 |
| Net loans and leases to core deposits | 37.9355% | 4,384 |
| Total domestic deposits to total assets | 85.1865% | 3,445 |
| Equity capital to assets | 11.1827% | 1,143 |
| Core capital (leverage) ratio | 14.6221% | 526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,483,333 | 3,999 |
| Average earning assets | $92,644,000 | 3,984 |
| Average equity | $12,610,333 | 3,720 |
| Average total loans | $30,687,333 | 4,299 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8688% | 3,613 |
| Cost of funding earning assets | 0.2348% | 2,323 |
| Net interest margin | 2.6340% | 3,572 |
| Noninterest income to average assets | 0.1794% | 4,094 |
| Noninterest expense to average assets | 2.1607% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4604% | 3,814 |
| Return on assets (ROA) | 0.6020% | 3,369 |
| Pretax return on assets | 0.6259% | 3,564 |
| Return on Equity (ROE) | 4.4912% | 3,764 |
| Retained earnings to average equity (ytd only) | 3.5097% | 3,116 |
| Net charge-offs to loans | -0.1675% | 4,567 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8731% | 991 |
| Assets per employee ($millions) | 5.9096% | 2,885 |
| Cash dividends to net income (ytd only)* | 21.8543% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7912% | 195 |
| Loan loss allowance to noncurrent loans | 231.8681% | 2,422 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 1,662 |
| Noncurrent loans to loans | 1.2038% | 738 |
| Net loans and leases to total assets | 29.2585% | 4,469 |
| Net loans and leases to deposits | 34.8601% | 4,428 |
| Net loans and leases to core deposits | 37.5849% | 4,387 |
| Total domestic deposits to total assets | 83.9314% | 3,784 |
| Equity capital to assets | 12.3010% | 860 |
| Core capital (leverage) ratio | 14.0702% | 569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,337,000 | 4,003 |
| Average earning assets | $93,698,500 | 3,986 |
| Average equity | $13,448,500 | 3,712 |
| Average total loans | $31,051,500 | 4,310 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1417% | 3,605 |
| Cost of funding earning assets | 0.2853% | 2,549 |
| Net interest margin | 2.8564% | 3,540 |
| Noninterest income to average assets | 0.2490% | 3,878 |
| Noninterest expense to average assets | 2.1397% | 3,272 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7189% | 3,574 |
| Return on assets (ROA) | 0.8029% | 3,396 |
| Pretax return on assets | 0.8377% | 3,651 |
| Return on Equity (ROE) | 5.2477% | 3,940 |
| Retained earnings to average equity (ytd only) | 4.2961% | 3,090 |
| Net charge-offs to loans | 1.5498% | 33 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.5225% | 2,613 |
| Efficiency ratio | 74.0416% | 1,296 |
| Assets per employee ($millions) | 5.8948% | 2,867 |
| Cash dividends to net income (ytd only)* | 18.1340% | 3,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6079% | 241 |
| Loan loss allowance to noncurrent loans | 218.1102% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 1,708 |
| Noncurrent loans to loans | 1.1957% | 801 |
| Net loans and leases to total assets | 30.9687% | 4,484 |
| Net loans and leases to deposits | 37.9111% | 4,409 |
| Net loans and leases to core deposits | 40.9701% | 4,371 |
| Total domestic deposits to total assets | 81.6876% | 4,010 |
| Equity capital to assets | 14.5084% | 576 |
| Core capital (leverage) ratio | 14.8129% | 490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,779,000 | 4,045 |
| Average earning assets | $87,628,600 | 4,045 |
| Average equity | $14,501,600 | 3,691 |
| Average total loans | $30,133,800 | 4,371 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1946% | 3,614 |
| Cost of funding earning assets | 0.3004% | 2,591 |
| Net interest margin | 2.8942% | 3,567 |
| Noninterest income to average assets | 0.2212% | 4,082 |
| Noninterest expense to average assets | 2.1108% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7241% | 3,712 |
| Return on assets (ROA) | 0.8263% | 3,520 |
| Pretax return on assets | 0.8877% | 3,720 |
| Return on Equity (ROE) | 5.3269% | 4,056 |
| Retained earnings to average equity (ytd only) | 4.0572% | 3,560 |
| Net charge-offs to loans | 2.1278% | 22 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1.1498% | 2,385 |
| Efficiency ratio | 73.0731% | 1,298 |
| Assets per employee ($millions) | 5.4043% | 3,306 |
| Cash dividends to net income (ytd only)* | 23.8342% | 2,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8356% | 188 |
| Loan loss allowance to noncurrent loans | 194.3396% | 2,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 1,649 |
| Noncurrent loans to loans | 1.4591% | 725 |
| Net loans and leases to total assets | 30.7326% | 4,572 |
| Net loans and leases to deposits | 38.3988% | 4,507 |
| Net loans and leases to core deposits | 41.7171% | 4,456 |
| Total domestic deposits to total assets | 80.0355% | 4,226 |
| Equity capital to assets | 15.9242% | 426 |
| Core capital (leverage) ratio | 15.1088% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,421,000 | 4,110 |
| Average earning assets | $86,102,250 | 4,107 |
| Average equity | $14,492,250 | 3,738 |
| Average total loans | $29,701,000 | 4,440 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0128% | 4,020 |
| Cost of funding earning assets | 0.3057% | 2,731 |
| Net interest margin | 2.7071% | 3,966 |
| Noninterest income to average assets | 0.2129% | 4,128 |
| Noninterest expense to average assets | 2.0631% | 3,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5710% | 4,046 |
| Return on assets (ROA) | 0.7090% | 3,807 |
| Pretax return on assets | 0.7920% | 3,880 |
| Return on Equity (ROE) | 4.6102% | 4,213 |
| Retained earnings to average equity (ytd only) | 2.6996% | 3,941 |
| Net charge-offs to loans | 3.1890% | 14 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 0.6289% | 2,184 |
| Efficiency ratio | 76.3593% | 1,050 |
| Assets per employee ($millions) | 5.4365% | 3,201 |
| Cash dividends to net income (ytd only)* | 41.4414% | 1,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7382% | 201 |
| Loan loss allowance to noncurrent loans | 183.0735% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4858% | 1,726 |
| Noncurrent loans to loans | 1.4957% | 758 |
| Net loans and leases to total assets | 31.5927% | 4,601 |
| Net loans and leases to deposits | 39.2705% | 4,539 |
| Net loans and leases to core deposits | 42.6223% | 4,502 |
| Total domestic deposits to total assets | 80.4490% | 4,162 |
| Equity capital to assets | 15.5702% | 462 |
| Core capital (leverage) ratio | 14.9849% | 474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,937,000 | 4,127 |
| Average earning assets | $86,365,000 | 4,131 |
| Average equity | $14,446,333 | 3,745 |
| Average total loans | $29,915,000 | 4,469 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2067% | 3,675 |
| Cost of funding earning assets | 0.3207% | 2,789 |
| Net interest margin | 2.8860% | 3,561 |
| Noninterest income to average assets | 0.2549% | 3,871 |
| Noninterest expense to average assets | 2.0566% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8413% | 3,295 |
| Return on assets (ROA) | 0.8413% | 3,377 |
| Pretax return on assets | 0.8753% | 3,658 |
| Return on Equity (ROE) | 5.6915% | 3,951 |
| Retained earnings to average equity (ytd only) | 3.8806% | 3,537 |
| Net charge-offs to loans | -0.1072% | 4,656 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1449% | 1,677 |
| Assets per employee ($millions) | 5.4846% | 3,134 |
| Cash dividends to net income (ytd only)* | 31.8182% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3878% | 59 |
| Loan loss allowance to noncurrent loans | 140.5376% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9974% | 828 |
| Noncurrent loans to loans | 3.1222% | 242 |
| Net loans and leases to total assets | 30.5452% | 4,680 |
| Net loans and leases to deposits | 37.4984% | 4,641 |
| Net loans and leases to core deposits | 40.4649% | 4,609 |
| Total domestic deposits to total assets | 81.4573% | 3,993 |
| Equity capital to assets | 14.7310% | 539 |
| Core capital (leverage) ratio | 13.9634% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,137,000 | 4,140 |
| Average earning assets | $87,318,500 | 4,128 |
| Average equity | $13,915,500 | 3,802 |
| Average total loans | $29,862,500 | 4,493 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4390% | 4,140 |
| Cost of funding earning assets | 0.4418% | 3,337 |
| Net interest margin | 2.9972% | 3,889 |
| Noninterest income to average assets | 0.2260% | 4,146 |
| Noninterest expense to average assets | 2.2329% | 3,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7194% | 3,365 |
| Return on assets (ROA) | 0.7238% | 3,488 |
| Pretax return on assets | 0.7546% | 3,752 |
| Return on Equity (ROE) | 4.6795% | 3,983 |
| Retained earnings to average equity (ytd only) | 2.1109% | 3,779 |
| Net charge-offs to loans | -0.0066% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8565% | 1,350 |
| Assets per employee ($millions) | 5.5903% | 2,753 |
| Cash dividends to net income (ytd only)* | 54.8896% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3390% | 58 |
| Loan loss allowance to noncurrent loans | 135.3125% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 1.0102% | 937 |
| Noncurrent loans to loans | 3.2066% | 248 |
| Net loans and leases to total assets | 30.1352% | 4,747 |
| Net loans and leases to deposits | 37.0741% | 4,717 |
| Net loans and leases to core deposits | 39.9439% | 4,700 |
| Total domestic deposits to total assets | 81.2837% | 3,813 |
| Equity capital to assets | 14.8324% | 601 |
| Core capital (leverage) ratio | 14.2302% | 648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $87,597,800 | 4,146 |
| Average earning assets | $80,575,200 | 4,156 |
| Average equity | $13,548,600 | 3,809 |
| Average total loans | $30,281,600 | 4,511 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4421% | 4,297 |
| Cost of funding earning assets | 0.4688% | 3,426 |
| Net interest margin | 2.9734% | 4,039 |
| Noninterest income to average assets | 0.2208% | 4,170 |
| Noninterest expense to average assets | 2.2797% | 3,472 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6160% | 3,721 |
| Return on assets (ROA) | 0.6174% | 3,812 |
| Pretax return on assets | 0.6749% | 3,957 |
| Return on Equity (ROE) | 3.9467% | 4,168 |
| Retained earnings to average equity (ytd only) | 1.7099% | 4,027 |
| Net charge-offs to loans | -0.3688% | 4,957 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1985% | 1,110 |
| Assets per employee ($millions) | 5.1743% | 3,042 |
| Cash dividends to net income (ytd only)* | 56.6751% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5564% | 48 |
| Loan loss allowance to noncurrent loans | 137.0920% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.1493% | 896 |
| Noncurrent loans to loans | 3.3236% | 261 |
| Net loans and leases to total assets | 33.0059% | 4,767 |
| Net loans and leases to deposits | 41.3475% | 4,710 |
| Net loans and leases to core deposits | 44.8871% | 4,689 |
| Total domestic deposits to total assets | 79.8256% | 3,897 |
| Equity capital to assets | 15.8680% | 487 |
| Core capital (leverage) ratio | 14.5229% | 624 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,738,500 | 4,181 |
| Average earning assets | $78,786,750 | 4,185 |
| Average equity | $13,411,750 | 3,829 |
| Average total loans | $30,367,500 | 4,534 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3043% | 4,645 |
| Cost of funding earning assets | 0.4959% | 3,560 |
| Net interest margin | 2.8084% | 4,437 |
| Noninterest income to average assets | 0.2165% | 4,189 |
| Noninterest expense to average assets | 2.2660% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4966% | 4,032 |
| Return on assets (ROA) | 0.4988% | 4,098 |
| Pretax return on assets | 0.5247% | 4,210 |
| Return on Equity (ROE) | 3.2049% | 4,302 |
| Retained earnings to average equity (ytd only) | 1.9350% | 3,787 |
| Net charge-offs to loans | -0.5140% | 5,001 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2658% | 796 |
| Assets per employee ($millions) | 5.3010% | 2,833 |
| Cash dividends to net income (ytd only)* | 39.6226% | 1,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4437% | 50 |
| Loan loss allowance to noncurrent loans | 70.0152% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 2.1872% | 306 |
| Noncurrent loans to loans | 6.3468% | 67 |
| Net loans and leases to total assets | 32.9294% | 4,806 |
| Net loans and leases to deposits | 40.5712% | 4,781 |
| Net loans and leases to core deposits | 43.8733% | 4,754 |
| Total domestic deposits to total assets | 81.1645% | 3,565 |
| Equity capital to assets | 15.4233% | 552 |
| Core capital (leverage) ratio | 14.8909% | 595 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $84,997,000 | 4,196 |
| Average earning assets | $77,838,667 | 4,201 |
| Average equity | $13,229,667 | 3,850 |
| Average total loans | $30,350,333 | 4,554 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4178% | 4,720 |
| Cost of funding earning assets | 0.5279% | 3,810 |
| Net interest margin | 2.8900% | 4,448 |
| Noninterest income to average assets | 0.2717% | 3,908 |
| Noninterest expense to average assets | 2.4115% | 3,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4372% | 4,053 |
| Return on assets (ROA) | 0.4415% | 4,090 |
| Pretax return on assets | 0.4949% | 4,132 |
| Return on Equity (ROE) | 2.8228% | 4,259 |
| Retained earnings to average equity (ytd only) | 0.9616% | 3,751 |
| Net charge-offs to loans | -1.0267% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1104% | 897 |
| Assets per employee ($millions) | 4.8749% | 2,784 |
| Cash dividends to net income (ytd only)* | 65.9341% | 1,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7640% | 47 |
| Loan loss allowance to noncurrent loans | 44.9299% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 3.9321% | 104 |
| Noncurrent loans to loans | 10.6033% | 25 |
| Net loans and leases to total assets | 35.3171% | 4,804 |
| Net loans and leases to deposits | 44.1487% | 4,759 |
| Net loans and leases to core deposits | 48.6206% | 4,708 |
| Total domestic deposits to total assets | 79.9959% | 3,865 |
| Equity capital to assets | 16.2502% | 538 |
| Core capital (leverage) ratio | 15.7365% | 556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $82,437,000 | 4,231 |
| Average earning assets | $75,018,500 | 4,240 |
| Average equity | $12,895,000 | 3,888 |
| Average total loans | $29,998,000 | 4,591 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3122% | 3,503 |
| Cost of funding earning assets | 0.6018% | 3,629 |
| Net interest margin | 3.7104% | 2,787 |
| Noninterest income to average assets | 0.2797% | 4,009 |
| Noninterest expense to average assets | 2.3018% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2868% | 1,739 |
| Return on assets (ROA) | 1.2808% | 1,841 |
| Pretax return on assets | 1.3365% | 2,371 |
| Return on Equity (ROE) | 8.1848% | 3,088 |
| Retained earnings to average equity (ytd only) | 4.2941% | 2,810 |
| Net charge-offs to loans | 0.2957% | 706 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 11.3021% | 2,505 |
| Efficiency ratio | 63.1579% | 3,198 |
| Assets per employee ($millions) | 5.1115% | 2,442 |
| Cash dividends to net income (ytd only)* | 47.5362% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1872% | 55 |
| Loan loss allowance to noncurrent loans | 45.3626% | 4,169 |
| Noncurrent assets plus other real estate owned to assets | 3.3005% | 149 |
| Noncurrent loans to loans | 9.2305% | 28 |
| Net loans and leases to total assets | 34.2593% | 4,893 |
| Net loans and leases to deposits | 42.0795% | 4,867 |
| Net loans and leases to core deposits | 45.7641% | 4,838 |
| Total domestic deposits to total assets | 81.4157% | 3,675 |
| Equity capital to assets | 15.1169% | 767 |
| Core capital (leverage) ratio | 15.9497% | 528 |
| Tier 1 risk-based capital ratio | 27.5364% | 586 |
| Total risk-based capital ratio | 28.8055% | 575 |
| Memoranda: | ||
| Average total assets | $80,806,800 | 4,270 |
| Average earning assets | $73,280,000 | 4,293 |
| Average equity | $12,645,400 | 3,920 |
| Average total loans | $32,462,600 | 4,593 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 3,977 |
| Cost of funding earning assets | 0.6204% | 3,582 |
| Net interest margin | 3.5557% | 3,384 |
| Noninterest income to average assets | 0.2859% | 4,022 |
| Noninterest expense to average assets | 2.3257% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1435% | 2,394 |
| Return on assets (ROA) | 1.1435% | 2,483 |
| Pretax return on assets | 1.1889% | 3,012 |
| Return on Equity (ROE) | 7.2399% | 3,600 |
| Retained earnings to average equity (ytd only) | 3.7903% | 3,501 |
| Net charge-offs to loans | 0.0975% | 1,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 29.4575% | 1,642 |
| Efficiency ratio | 66.1722% | 2,703 |
| Assets per employee ($millions) | 4.6136% | 3,028 |
| Cash dividends to net income (ytd only)* | 47.6474% | 1,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9788% | 63 |
| Loan loss allowance to noncurrent loans | 70.2454% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 2.4939% | 279 |
| Noncurrent loans to loans | 5.6641% | 82 |
| Net loans and leases to total assets | 42.2779% | 4,747 |
| Net loans and leases to deposits | 53.0765% | 4,666 |
| Net loans and leases to core deposits | 60.5522% | 4,515 |
| Total domestic deposits to total assets | 79.6547% | 4,058 |
| Equity capital to assets | 16.5037% | 558 |
| Core capital (leverage) ratio | 16.2655% | 524 |
| Tier 1 risk-based capital ratio | 27.0364% | 639 |
| Total risk-based capital ratio | 28.3052% | 622 |
| Memoranda: | ||
| Average total assets | $79,284,500 | 4,354 |
| Average earning assets | $71,995,750 | 4,367 |
| Average equity | $12,522,750 | 3,968 |
| Average total loans | $32,810,500 | 4,646 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 4,156 |
| Cost of funding earning assets | 0.6105% | 3,595 |
| Net interest margin | 3.4909% | 3,625 |
| Noninterest income to average assets | 0.2765% | 4,088 |
| Noninterest expense to average assets | 2.2898% | 4,031 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1034% | 2,512 |
| Return on assets (ROA) | 1.1034% | 2,581 |
| Pretax return on assets | 1.1487% | 3,083 |
| Return on Equity (ROE) | 7.0907% | 3,641 |
| Retained earnings to average equity (ytd only) | 3.9896% | 3,254 |
| Net charge-offs to loans | 0.1489% | 1,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 19.0417% | 1,835 |
| Efficiency ratio | 66.5936% | 2,733 |
| Assets per employee ($millions) | 4.5584% | 3,048 |
| Cash dividends to net income (ytd only)* | 43.7358% | 2,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2345% | 56 |
| Loan loss allowance to noncurrent loans | 69.1147% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 2.5654% | 283 |
| Noncurrent loans to loans | 6.1267% | 62 |
| Net loans and leases to total assets | 40.0996% | 4,840 |
| Net loans and leases to deposits | 50.3728% | 4,793 |
| Net loans and leases to core deposits | 57.5221% | 4,660 |
| Total domestic deposits to total assets | 79.6056% | 4,116 |
| Equity capital to assets | 16.4804% | 537 |
| Core capital (leverage) ratio | 15.9179% | 556 |
| Tier 1 risk-based capital ratio | 27.6014% | 584 |
| Total risk-based capital ratio | 28.8726% | 567 |
| Memoranda: | ||
| Average total assets | $79,569,000 | 4,378 |
| Average earning assets | $72,074,000 | 4,399 |
| Average equity | $12,382,330 | 3,997 |
| Average total loans | $32,236,330 | 4,697 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1513% | 4,001 |
| Cost of funding earning assets | 0.5883% | 3,634 |
| Net interest margin | 3.5629% | 3,388 |
| Noninterest income to average assets | 0.2829% | 3,985 |
| Noninterest expense to average assets | 2.2827% | 4,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1711% | 2,171 |
| Return on assets (ROA) | 1.1711% | 2,229 |
| Pretax return on assets | 1.2158% | 2,746 |
| Return on Equity (ROE) | 7.7453% | 3,362 |
| Retained earnings to average equity (ytd only) | 5.7762% | 2,555 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2482% | 3,050 |
| Assets per employee ($millions) | 4.9061% | 2,637 |
| Cash dividends to net income (ytd only)* | 25.4237% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5312% | 45 |
| Loan loss allowance to noncurrent loans | 70.3219% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 2.5326% | 304 |
| Noncurrent loans to loans | 6.4435% | 64 |
| Net loans and leases to total assets | 37.5237% | 4,969 |
| Net loans and leases to deposits | 46.6407% | 4,911 |
| Net loans and leases to core deposits | 53.6570% | 4,796 |
| Total domestic deposits to total assets | 80.4528% | 4,084 |
| Equity capital to assets | 15.8363% | 600 |
| Core capital (leverage) ratio | 15.5050% | 594 |
| Tier 1 risk-based capital ratio | 27.8873% | 567 |
| Total risk-based capital ratio | 29.1589% | 551 |
| Memoranda: | ||
| Average total assets | $80,607,500 | 4,410 |
| Average earning assets | $72,749,000 | 4,437 |
| Average equity | $12,188,000 | 4,037 |
| Average total loans | $32,130,500 | 4,750 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 3,720 |
| Cost of funding earning assets | 0.4747% | 3,516 |
| Net interest margin | 3.6330% | 3,272 |
| Noninterest income to average assets | 0.3496% | 3,767 |
| Noninterest expense to average assets | 2.5180% | 3,561 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0709% | 2,716 |
| Return on assets (ROA) | 1.0659% | 2,718 |
| Pretax return on assets | 1.1116% | 3,225 |
| Return on Equity (ROE) | 6.9621% | 3,837 |
| Retained earnings to average equity (ytd only) | 3.2808% | 3,766 |
| Net charge-offs to loans | 0.0207% | 3,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 122.2857% | 643 |
| Efficiency ratio | 69.2749% | 2,331 |
| Assets per employee ($millions) | 5.1699% | 2,307 |
| Cash dividends to net income (ytd only)* | 52.8764% | 1,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1846% | 51 |
| Loan loss allowance to noncurrent loans | 72.5104% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 2.3308% | 352 |
| Noncurrent loans to loans | 5.7711% | 84 |
| Net loans and leases to total assets | 38.6977% | 4,990 |
| Net loans and leases to deposits | 47.2033% | 4,950 |
| Net loans and leases to core deposits | 51.8935% | 4,896 |
| Total domestic deposits to total assets | 81.9809% | 3,647 |
| Equity capital to assets | 14.4406% | 855 |
| Core capital (leverage) ratio | 16.0113% | 508 |
| Tier 1 risk-based capital ratio | 25.8210% | 685 |
| Total risk-based capital ratio | 27.0910% | 666 |
| Memoranda: | ||
| Average total assets | $76,649,400 | 4,493 |
| Average earning assets | $69,309,400 | 4,508 |
| Average equity | $11,735,000 | 4,057 |
| Average total loans | $33,827,000 | 4,722 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 3,469 |
| Cost of funding earning assets | 0.4654% | 3,419 |
| Net interest margin | 3.6824% | 3,080 |
| Noninterest income to average assets | 0.3585% | 3,736 |
| Noninterest expense to average assets | 2.5679% | 3,389 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0768% | 2,760 |
| Return on assets (ROA) | 1.0701% | 2,793 |
| Pretax return on assets | 1.1251% | 3,295 |
| Return on Equity (ROE) | 6.8819% | 3,972 |
| Retained earnings to average equity (ytd only) | 3.6635% | 3,937 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4005% | 2,287 |
| Assets per employee ($millions) | 4.5955% | 2,983 |
| Cash dividends to net income (ytd only)* | 46.7661% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9722% | 63 |
| Loan loss allowance to noncurrent loans | 80.4124% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 2.3746% | 384 |
| Noncurrent loans to loans | 4.9397% | 126 |
| Net loans and leases to total assets | 46.1620% | 4,798 |
| Net loans and leases to deposits | 57.7039% | 4,662 |
| Net loans and leases to core deposits | 64.9869% | 4,459 |
| Total domestic deposits to total assets | 79.9981% | 4,124 |
| Equity capital to assets | 15.8606% | 563 |
| Core capital (leverage) ratio | 16.2115% | 490 |
| Tier 1 risk-based capital ratio | 26.6712% | 638 |
| Total risk-based capital ratio | 27.9418% | 628 |
| Memoranda: | ||
| Average total assets | $75,132,250 | 4,557 |
| Average earning assets | $68,179,250 | 4,568 |
| Average equity | $11,682,500 | 4,099 |
| Average total loans | $33,931,750 | 4,768 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 3,646 |
| Cost of funding earning assets | 0.4425% | 3,404 |
| Net interest margin | 3.5983% | 3,316 |
| Noninterest income to average assets | 0.3568% | 3,773 |
| Noninterest expense to average assets | 2.5136% | 3,595 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0537% | 2,792 |
| Return on assets (ROA) | 1.0361% | 2,869 |
| Pretax return on assets | 1.0916% | 3,350 |
| Return on Equity (ROE) | 6.7070% | 3,990 |
| Retained earnings to average equity (ytd only) | 3.9352% | 3,638 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3654% | 2,415 |
| Assets per employee ($millions) | 3.9454% | 3,992 |
| Cash dividends to net income (ytd only)* | 41.3265% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2669% | 48 |
| Loan loss allowance to noncurrent loans | 73.3787% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.5506% | 339 |
| Noncurrent loans to loans | 5.8149% | 94 |
| Net loans and leases to total assets | 41.9914% | 4,985 |
| Net loans and leases to deposits | 52.1798% | 4,905 |
| Net loans and leases to core deposits | 56.9346% | 4,834 |
| Total domestic deposits to total assets | 80.4744% | 4,145 |
| Equity capital to assets | 15.5757% | 581 |
| Core capital (leverage) ratio | 15.9701% | 502 |
| Tier 1 risk-based capital ratio | 26.7072% | 624 |
| Total risk-based capital ratio | 27.9782% | 618 |
| Memoranda: | ||
| Average total assets | $75,667,000 | 4,597 |
| Average earning assets | $68,699,330 | 4,611 |
| Average equity | $11,689,330 | 4,127 |
| Average total loans | $33,460,330 | 4,822 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 2,922 |
| Cost of funding earning assets | 0.4344% | 3,336 |
| Net interest margin | 3.7534% | 2,602 |
| Noninterest income to average assets | 0.4052% | 3,423 |
| Noninterest expense to average assets | 2.4573% | 3,792 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3049% | 1,628 |
| Return on assets (ROA) | 1.3049% | 1,633 |
| Pretax return on assets | 1.3576% | 2,161 |
| Return on Equity (ROE) | 8.4815% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.0451% | 2,263 |
| Net charge-offs to loans | 0.0119% | 2,321 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 258.0000% | 263 |
| Efficiency ratio | 64.4138% | 3,414 |
| Assets per employee ($millions) | 4.4548% | 3,232 |
| Cash dividends to net income (ytd only)* | 16.9355% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2737% | 51 |
| Loan loss allowance to noncurrent loans | 179.0549% | 2,449 |
| Noncurrent assets plus other real estate owned to assets | 1.0339% | 1,520 |
| Noncurrent loans to loans | 2.3868% | 585 |
| Net loans and leases to total assets | 41.4660% | 5,002 |
| Net loans and leases to deposits | 51.3717% | 4,908 |
| Net loans and leases to core deposits | 55.4863% | 4,854 |
| Total domestic deposits to total assets | 80.7175% | 4,270 |
| Equity capital to assets | 15.4307% | 580 |
| Core capital (leverage) ratio | 15.7679% | 521 |
| Tier 1 risk-based capital ratio | 27.3409% | 595 |
| Total risk-based capital ratio | 28.6131% | 585 |
| Memoranda: | ||
| Average total assets | $76,019,000 | 4,639 |
| Average earning assets | $69,057,000 | 4,660 |
| Average equity | $11,696,000 | 4,167 |
| Average total loans | $33,750,000 | 4,871 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9809% | 3,468 |
| Cost of funding earning assets | 0.3438% | 3,768 |
| Net interest margin | 3.6371% | 3,036 |
| Noninterest income to average assets | 0.5488% | 2,725 |
| Noninterest expense to average assets | 2.6172% | 3,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1832% | 1,571 |
| Return on assets (ROA) | 1.2035% | 1,537 |
| Pretax return on assets | 1.2550% | 2,527 |
| Return on Equity (ROE) | 7.8569% | 2,861 |
| Retained earnings to average equity (ytd only) | 4.2306% | 2,622 |
| Net charge-offs to loans | -0.0379% | 5,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9602% | 2,904 |
| Assets per employee ($millions) | 4.4886% | 3,200 |
| Cash dividends to net income (ytd only)* | 46.1538% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0467% | 58 |
| Loan loss allowance to noncurrent loans | 294.3396% | 1,681 |
| Noncurrent assets plus other real estate owned to assets | 0.6251% | 2,453 |
| Noncurrent loans to loans | 1.3748% | 1,259 |
| Net loans and leases to total assets | 43.6283% | 4,994 |
| Net loans and leases to deposits | 53.9825% | 4,898 |
| Net loans and leases to core deposits | 56.2995% | 4,926 |
| Total domestic deposits to total assets | 80.8193% | 4,163 |
| Equity capital to assets | 15.3409% | 618 |
| Core capital (leverage) ratio | 16.3908% | 430 |
| Tier 1 risk-based capital ratio | 26.3519% | 638 |
| Total risk-based capital ratio | 27.6236% | 627 |
| Memoranda: | ||
| Average total assets | $75,615,000 | 4,677 |
| Average earning assets | $68,653,400 | 4,690 |
| Average equity | $11,582,200 | 4,211 |
| Average total loans | $34,261,200 | 4,891 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,392 |
| Cost of funding earning assets | 0.3347% | 3,818 |
| Net interest margin | 3.6563% | 2,927 |
| Noninterest income to average assets | 0.4772% | 3,170 |
| Noninterest expense to average assets | 2.6951% | 3,083 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0615% | 2,278 |
| Return on assets (ROA) | 1.0887% | 2,196 |
| Pretax return on assets | 1.1311% | 3,182 |
| Return on Equity (ROE) | 7.1101% | 3,597 |
| Retained earnings to average equity (ytd only) | 4.1668% | 3,424 |
| Net charge-offs to loans | -0.0195% | 4,845 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9632% | 2,372 |
| Assets per employee ($millions) | 3.9903% | 4,008 |
| Cash dividends to net income (ytd only)* | 41.3961% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8613% | 76 |
| Loan loss allowance to noncurrent loans | 289.0269% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 2,480 |
| Noncurrent loans to loans | 1.3360% | 1,422 |
| Net loans and leases to total assets | 48.3919% | 4,806 |
| Net loans and leases to deposits | 63.7142% | 4,399 |
| Net loans and leases to core deposits | 66.1780% | 4,472 |
| Total domestic deposits to total assets | 75.9516% | 5,021 |
| Equity capital to assets | 16.5567% | 479 |
| Core capital (leverage) ratio | 16.0082% | 490 |
| Tier 1 risk-based capital ratio | 26.1484% | 665 |
| Total risk-based capital ratio | 27.4196% | 652 |
| Memoranda: | ||
| Average total assets | $75,442,250 | 4,727 |
| Average earning assets | $68,518,750 | 4,742 |
| Average equity | $11,551,250 | 4,257 |
| Average total loans | $34,152,750 | 4,947 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8437% | 3,748 |
| Cost of funding earning assets | 0.3134% | 3,943 |
| Net interest margin | 3.5304% | 3,294 |
| Noninterest income to average assets | 0.4201% | 3,564 |
| Noninterest expense to average assets | 2.7111% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8740% | 3,053 |
| Return on assets (ROA) | 0.9341% | 2,804 |
| Pretax return on assets | 0.9759% | 3,653 |
| Return on Equity (ROE) | 6.2600% | 3,924 |
| Retained earnings to average equity (ytd only) | 3.6371% | 3,544 |
| Net charge-offs to loans | -0.0299% | 4,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8020% | 1,879 |
| Assets per employee ($millions) | 4.5532% | 3,027 |
| Cash dividends to net income (ytd only)* | 41.8994% | 2,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0321% | 65 |
| Loan loss allowance to noncurrent loans | 313.4831% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.5749% | 2,841 |
| Noncurrent loans to loans | 1.2862% | 1,495 |
| Net loans and leases to total assets | 42.8939% | 5,104 |
| Net loans and leases to deposits | 56.4410% | 4,841 |
| Net loans and leases to core deposits | 61.8794% | 4,723 |
| Total domestic deposits to total assets | 75.9977% | 5,092 |
| Equity capital to assets | 15.1993% | 672 |
| Core capital (leverage) ratio | 15.6176% | 525 |
| Tier 1 risk-based capital ratio | 25.3975% | 713 |
| Total risk-based capital ratio | 26.6680% | 697 |
| Memoranda: | ||
| Average total assets | $76,647,670 | 4,733 |
| Average earning assets | $69,567,670 | 4,756 |
| Average equity | $11,437,670 | 4,287 |
| Average total loans | $33,485,670 | 4,994 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9377% | 3,253 |
| Cost of funding earning assets | 0.3056% | 3,985 |
| Net interest margin | 3.6321% | 2,768 |
| Noninterest income to average assets | 0.4038% | 3,633 |
| Noninterest expense to average assets | 2.7796% | 2,866 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8903% | 2,815 |
| Return on assets (ROA) | 0.9860% | 2,414 |
| Pretax return on assets | 1.0279% | 3,246 |
| Return on Equity (ROE) | 6.6702% | 3,570 |
| Retained earnings to average equity (ytd only) | 4.1157% | 3,402 |
| Net charge-offs to loans | -0.0121% | 4,506 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9646% | 2,072 |
| Assets per employee ($millions) | 3.9891% | 4,030 |
| Cash dividends to net income (ytd only)* | 38.2979% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2820% | 67 |
| Loan loss allowance to noncurrent loans | 1,096.0630% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.1676% | 4,583 |
| Noncurrent loans to loans | 0.3907% | 3,704 |
| Net loans and leases to total assets | 41.0545% | 5,205 |
| Net loans and leases to deposits | 50.7378% | 5,083 |
| Net loans and leases to core deposits | 54.0603% | 5,060 |
| Total domestic deposits to total assets | 80.9149% | 4,432 |
| Equity capital to assets | 15.0557% | 646 |
| Core capital (leverage) ratio | 14.9618% | 613 |
| Tier 1 risk-based capital ratio | 25.9635% | 692 |
| Total risk-based capital ratio | 27.2346% | 676 |
| Memoranda: | ||
| Average total assets | $76,269,000 | 4,788 |
| Average earning assets | $69,381,000 | 4,796 |
| Average equity | $11,274,000 | 4,340 |
| Average total loans | $32,930,000 | 5,061 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8178% | 3,844 |
| Cost of funding earning assets | 0.2690% | 4,378 |
| Net interest margin | 3.5488% | 3,253 |
| Noninterest income to average assets | 0.3759% | 4,058 |
| Noninterest expense to average assets | 2.6114% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9539% | 2,561 |
| Return on assets (ROA) | 0.9665% | 2,608 |
| Pretax return on assets | 1.0084% | 3,445 |
| Return on Equity (ROE) | 6.4733% | 3,749 |
| Retained earnings to average equity (ytd only) | 3.5261% | 3,427 |
| Net charge-offs to loans | -0.1402% | 5,667 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4038% | 2,524 |
| Assets per employee ($millions) | 4.2637% | 3,501 |
| Cash dividends to net income (ytd only)* | 45.5285% | 2,562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1707% | 69 |
| Loan loss allowance to noncurrent loans | 885.9873% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.2046% | 4,503 |
| Noncurrent loans to loans | 0.4707% | 3,464 |
| Net loans and leases to total assets | 41.6452% | 5,246 |
| Net loans and leases to deposits | 51.0951% | 5,165 |
| Net loans and leases to core deposits | 51.9497% | 5,229 |
| Total domestic deposits to total assets | 81.5052% | 4,206 |
| Equity capital to assets | 14.5115% | 729 |
| Core capital (leverage) ratio | 15.0625% | 590 |
| Tier 1 risk-based capital ratio | 25.4060% | 733 |
| Total risk-based capital ratio | 26.6780% | 719 |
| Memoranda: | ||
| Average total assets | $76,358,200 | 4,808 |
| Average earning assets | $69,516,400 | 4,815 |
| Average equity | $11,400,600 | 4,355 |
| Average total loans | $33,532,400 | 5,083 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 3,856 |
| Cost of funding earning assets | 0.2608% | 4,501 |
| Net interest margin | 3.5633% | 3,219 |
| Noninterest income to average assets | 0.3567% | 4,234 |
| Noninterest expense to average assets | 2.6575% | 3,473 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9205% | 2,807 |
| Return on assets (ROA) | 0.9476% | 2,803 |
| Pretax return on assets | 0.9756% | 3,719 |
| Return on Equity (ROE) | 6.3023% | 3,927 |
| Retained earnings to average equity (ytd only) | 3.0232% | 4,101 |
| Net charge-offs to loans | -0.2104% | 5,777 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7148% | 2,343 |
| Assets per employee ($millions) | 4.1966% | 3,596 |
| Cash dividends to net income (ytd only)* | 52.0293% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2200% | 67 |
| Loan loss allowance to noncurrent loans | 402.8818% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.4594% | 3,584 |
| Noncurrent loans to loans | 1.0475% | 2,145 |
| Net loans and leases to total assets | 42.0048% | 5,291 |
| Net loans and leases to deposits | 52.1763% | 5,194 |
| Net loans and leases to core deposits | 53.0726% | 5,264 |
| Total domestic deposits to total assets | 80.5054% | 4,387 |
| Equity capital to assets | 15.4609% | 637 |
| Core capital (leverage) ratio | 15.0906% | 610 |
| Tier 1 risk-based capital ratio | 25.1952% | 796 |
| Total risk-based capital ratio | 26.4680% | 774 |
| Memoranda: | ||
| Average total assets | $76,261,250 | 4,840 |
| Average earning assets | $69,522,500 | 4,856 |
| Average equity | $11,466,500 | 4,382 |
| Average total loans | $33,577,500 | 5,133 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7830% | 4,013 |
| Cost of funding earning assets | 0.2526% | 4,635 |
| Net interest margin | 3.5304% | 3,367 |
| Noninterest income to average assets | 0.3529% | 4,253 |
| Noninterest expense to average assets | 2.6431% | 3,562 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8980% | 2,871 |
| Return on assets (ROA) | 0.9385% | 2,823 |
| Pretax return on assets | 0.9673% | 3,714 |
| Return on Equity (ROE) | 6.3006% | 3,903 |
| Retained earnings to average equity (ytd only) | 3.7734% | 3,492 |
| Net charge-offs to loans | -0.2728% | 5,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0659% | 2,349 |
| Assets per employee ($millions) | 4.1754% | 3,609 |
| Cash dividends to net income (ytd only)* | 40.1114% | 2,412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1745% | 68 |
| Loan loss allowance to noncurrent loans | 678.5366% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 4,407 |
| Noncurrent loans to loans | 0.6152% | 3,220 |
| Net loans and leases to total assets | 42.4838% | 5,314 |
| Net loans and leases to deposits | 52.8327% | 5,212 |
| Net loans and leases to core deposits | 53.7461% | 5,294 |
| Total domestic deposits to total assets | 80.4119% | 4,447 |
| Equity capital to assets | 15.5805% | 611 |
| Core capital (leverage) ratio | 14.7850% | 645 |
| Tier 1 risk-based capital ratio | 25.6236% | 758 |
| Total risk-based capital ratio | 26.8958% | 740 |
| Memoranda: | ||
| Average total assets | $76,502,000 | 4,885 |
| Average earning assets | $69,680,330 | 4,892 |
| Average equity | $11,395,670 | 4,420 |
| Average total loans | $33,727,330 | 5,179 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6796% | 4,391 |
| Cost of funding earning assets | 0.2502% | 4,705 |
| Net interest margin | 3.4293% | 3,767 |
| Noninterest income to average assets | 0.3732% | 4,051 |
| Noninterest expense to average assets | 2.7781% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6894% | 3,765 |
| Return on assets (ROA) | 0.6894% | 3,878 |
| Pretax return on assets | 0.7204% | 4,451 |
| Return on Equity (ROE) | 4.7337% | 4,610 |
| Retained earnings to average equity (ytd only) | 3.0253% | 4,001 |
| Net charge-offs to loans | -0.4126% | 5,970 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4074% | 1,681 |
| Assets per employee ($millions) | 4.5108% | 3,051 |
| Cash dividends to net income (ytd only)* | 36.0902% | 2,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2026% | 81 |
| Loan loss allowance to noncurrent loans | 868.5535% | 645 |
| Noncurrent assets plus other real estate owned to assets | 0.2073% | 4,729 |
| Noncurrent loans to loans | 0.4839% | 3,731 |
| Net loans and leases to total assets | 41.0516% | 5,396 |
| Net loans and leases to deposits | 50.4172% | 5,320 |
| Net loans and leases to core deposits | 51.2587% | 5,395 |
| Total domestic deposits to total assets | 81.4238% | 4,372 |
| Equity capital to assets | 14.8362% | 733 |
| Core capital (leverage) ratio | 14.3443% | 729 |
| Tier 1 risk-based capital ratio | 24.9511% | 820 |
| Total risk-based capital ratio | 26.2225% | 801 |
| Memoranda: | ||
| Average total assets | $77,174,000 | 4,913 |
| Average earning assets | $70,334,500 | 4,918 |
| Average equity | $11,238,500 | 4,462 |
| Average total loans | $33,930,500 | 5,215 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7383% | 4,237 |
| Cost of funding earning assets | 0.2317% | 4,993 |
| Net interest margin | 3.5067% | 3,497 |
| Noninterest income to average assets | 0.3590% | 4,332 |
| Noninterest expense to average assets | 2.7790% | 3,320 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7220% | 3,700 |
| Return on assets (ROA) | 0.7246% | 3,795 |
| Pretax return on assets | 0.7560% | 4,346 |
| Return on Equity (ROE) | 5.0724% | 4,469 |
| Retained earnings to average equity (ytd only) | 2.9810% | 3,943 |
| Net charge-offs to loans | -0.0750% | 5,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6721% | 1,863 |
| Assets per employee ($millions) | 4.3147% | 3,361 |
| Cash dividends to net income (ytd only)* | 41.2297% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8429% | 94 |
| Loan loss allowance to noncurrent loans | 462.1993% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3747% | 4,096 |
| Noncurrent loans to loans | 0.8314% | 2,709 |
| Net loans and leases to total assets | 43.3341% | 5,321 |
| Net loans and leases to deposits | 52.8402% | 5,230 |
| Net loans and leases to core deposits | 54.3603% | 5,291 |
| Total domestic deposits to total assets | 82.0097% | 4,164 |
| Equity capital to assets | 14.2923% | 837 |
| Core capital (leverage) ratio | 14.5731% | 697 |
| Tier 1 risk-based capital ratio | 23.6849% | 941 |
| Total risk-based capital ratio | 24.9548% | 934 |
| Memoranda: | ||
| Average total assets | $76,322,000 | 4,940 |
| Average earning assets | $69,068,000 | 4,957 |
| Average equity | $10,902,200 | 4,497 |
| Average total loans | $33,321,800 | 5,250 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7256% | 4,340 |
| Cost of funding earning assets | 0.2270% | 5,117 |
| Net interest margin | 3.4986% | 3,540 |
| Noninterest income to average assets | 0.3422% | 4,495 |
| Noninterest expense to average assets | 2.7057% | 3,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7685% | 3,593 |
| Return on assets (ROA) | 0.7685% | 3,684 |
| Pretax return on assets | 0.8001% | 4,339 |
| Return on Equity (ROE) | 5.3810% | 4,453 |
| Retained earnings to average equity (ytd only) | 3.3908% | 4,056 |
| Net charge-offs to loans | -0.2229% | 6,019 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1772% | 2,062 |
| Assets per employee ($millions) | 4.2120% | 3,496 |
| Cash dividends to net income (ytd only)* | 36.9852% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2779% | 77 |
| Loan loss allowance to noncurrent loans | 849.3827% | 668 |
| Noncurrent assets plus other real estate owned to assets | 0.2137% | 4,905 |
| Noncurrent loans to loans | 0.5037% | 3,840 |
| Net loans and leases to total assets | 40.6102% | 5,561 |
| Net loans and leases to deposits | 49.8067% | 5,481 |
| Net loans and leases to core deposits | 51.2825% | 5,535 |
| Total domestic deposits to total assets | 81.5356% | 4,310 |
| Equity capital to assets | 14.6275% | 831 |
| Core capital (leverage) ratio | 14.3695% | 764 |
| Tier 1 risk-based capital ratio | 25.2611% | 830 |
| Total risk-based capital ratio | 26.5340% | 810 |
| Memoranda: | ||
| Average total assets | $75,986,500 | 5,003 |
| Average earning assets | $68,711,250 | 5,025 |
| Average equity | $10,852,750 | 4,562 |
| Average total loans | $32,902,250 | 5,324 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5016% | 4,974 |
| Cost of funding earning assets | 0.2238% | 5,211 |
| Net interest margin | 3.2779% | 4,385 |
| Noninterest income to average assets | 0.3261% | 4,615 |
| Noninterest expense to average assets | 2.7905% | 3,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4734% | 4,877 |
| Return on assets (ROA) | 0.4734% | 4,972 |
| Pretax return on assets | 0.5023% | 5,220 |
| Return on Equity (ROE) | 3.3415% | 5,296 |
| Retained earnings to average equity (ytd only) | 1.0024% | 5,169 |
| Net charge-offs to loans | -0.1750% | 5,987 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7444% | 1,183 |
| Assets per employee ($millions) | 4.1837% | 3,499 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1691% | 93 |
| Loan loss allowance to noncurrent loans | 134.7652% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.3292% | 1,891 |
| Noncurrent loans to loans | 3.0936% | 629 |
| Net loans and leases to total assets | 41.1755% | 5,564 |
| Net loans and leases to deposits | 50.1634% | 5,495 |
| Net loans and leases to core deposits | 51.6490% | 5,552 |
| Total domestic deposits to total assets | 82.0827% | 4,269 |
| Equity capital to assets | 14.2205% | 904 |
| Core capital (leverage) ratio | 14.3643% | 748 |
| Tier 1 risk-based capital ratio | 21.6480% | 1,259 |
| Total risk-based capital ratio | 22.9148% | 1,238 |
| Memoranda: | ||
| Average total assets | $76,043,330 | 5,053 |
| Average earning assets | $68,825,330 | 5,062 |
| Average equity | $10,773,670 | 4,608 |
| Average total loans | $33,148,000 | 5,359 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 4,597 |
| Cost of funding earning assets | 0.2193% | 5,324 |
| Net interest margin | 3.4107% | 3,799 |
| Noninterest income to average assets | 0.3141% | 4,680 |
| Noninterest expense to average assets | 2.7116% | 3,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6701% | 3,953 |
| Return on assets (ROA) | 0.6701% | 4,076 |
| Pretax return on assets | 0.6962% | 4,607 |
| Return on Equity (ROE) | 4.7381% | 4,644 |
| Retained earnings to average equity (ytd only) | 0.0740% | 5,347 |
| Net charge-offs to loans | -0.0358% | 5,349 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5699% | 1,947 |
| Assets per employee ($millions) | 4.1578% | 3,640 |
| Cash dividends to net income (ytd only)* | 98.4375% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1505% | 112 |
| Loan loss allowance to noncurrent loans | 1,787.8378% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 5,553 |
| Noncurrent loans to loans | 0.2321% | 4,944 |
| Net loans and leases to total assets | 40.8239% | 5,559 |
| Net loans and leases to deposits | 49.8727% | 5,466 |
| Net loans and leases to core deposits | 51.1467% | 5,532 |
| Total domestic deposits to total assets | 81.8562% | 4,548 |
| Equity capital to assets | 14.5762% | 811 |
| Core capital (leverage) ratio | 13.9355% | 846 |
| Tier 1 risk-based capital ratio | 24.9912% | 887 |
| Total risk-based capital ratio | 26.2618% | 866 |
| Memoranda: | ||
| Average total assets | $76,411,500 | 5,100 |
| Average earning assets | $69,310,500 | 5,112 |
| Average equity | $10,806,000 | 4,643 |
| Average total loans | $33,543,500 | 5,386 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5729% | 5,158 |
| Cost of funding earning assets | 0.1926% | 5,814 |
| Net interest margin | 3.3803% | 4,278 |
| Noninterest income to average assets | 0.4134% | 4,086 |
| Noninterest expense to average assets | 2.7826% | 3,548 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.6510% | 4,133 |
| Return on assets (ROA) | 0.6599% | 4,188 |
| Pretax return on assets | 0.6864% | 4,672 |
| Return on Equity (ROE) | 4.8681% | 4,726 |
| Retained earnings to average equity (ytd only) | 4.8681% | 2,700 |
| Net charge-offs to loans | -0.4144% | 6,373 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4290% | 1,860 |
| Assets per employee ($millions) | 4.3323% | 3,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7517% | 156 |
| Loan loss allowance to noncurrent loans | 791.0180% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.2142% | 5,171 |
| Noncurrent loans to loans | 0.4743% | 4,236 |
| Net loans and leases to total assets | 43.4587% | 5,501 |
| Net loans and leases to deposits | 52.1513% | 5,471 |
| Net loans and leases to core deposits | 53.4046% | 5,534 |
| Total domestic deposits to total assets | 83.3321% | 3,967 |
| Equity capital to assets | 13.7250% | 1,063 |
| Core capital (leverage) ratio | 14.4718% | 706 |
| Tier 1 risk-based capital ratio | 20.5149% | 1,506 |
| Total risk-based capital ratio | 21.7695% | 1,479 |
| Memoranda: | ||
| Average total assets | $75,468,400 | 5,162 |
| Average earning assets | $68,011,400 | 5,172 |
| Average equity | $10,229,800 | 4,701 |
| Average total loans | $30,647,600 | 5,542 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4873% | 5,425 |
| Cost of funding earning assets | 0.1843% | 5,962 |
| Net interest margin | 3.3030% | 4,595 |
| Noninterest income to average assets | 0.4383% | 3,963 |
| Noninterest expense to average assets | 2.7596% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6225% | 4,338 |
| Return on assets (ROA) | 0.6396% | 4,359 |
| Pretax return on assets | 0.6663% | 4,817 |
| Return on Equity (ROE) | 4.7337% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.7337% | 3,255 |
| Net charge-offs to loans | 0.0226% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 72.7616% | 752 |
| Efficiency ratio | 80.9723% | 1,770 |
| Assets per employee ($millions) | 3.9362% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6421% | 208 |
| Loan loss allowance to noncurrent loans | 597.4874% | 856 |
| Noncurrent assets plus other real estate owned to assets | 0.2661% | 5,190 |
| Noncurrent loans to loans | 0.6096% | 4,101 |
| Net loans and leases to total assets | 42.0621% | 5,665 |
| Net loans and leases to deposits | 53.7543% | 5,408 |
| Net loans and leases to core deposits | 55.1916% | 5,494 |
| Total domestic deposits to total assets | 78.2489% | 5,474 |
| Equity capital to assets | 14.0064% | 1,004 |
| Core capital (leverage) ratio | 14.2517% | 783 |
| Tier 1 risk-based capital ratio | 20.9894% | 1,457 |
| Total risk-based capital ratio | 22.2342% | 1,431 |
| Memoranda: | ||
| Average total assets | $74,840,000 | 5,232 |
| Average earning assets | $67,291,000 | 5,246 |
| Average equity | $10,111,500 | 4,762 |
| Average total loans | $29,506,750 | 5,639 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4497% | 5,524 |
| Cost of funding earning assets | 0.1756% | 6,104 |
| Net interest margin | 3.2741% | 4,687 |
| Noninterest income to average assets | 0.4916% | 3,537 |
| Noninterest expense to average assets | 2.7252% | 3,774 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6741% | 3,968 |
| Return on assets (ROA) | 0.6947% | 3,960 |
| Pretax return on assets | 0.7267% | 4,545 |
| Return on Equity (ROE) | 5.2050% | 4,581 |
| Retained earnings to average equity (ytd only) | 5.2050% | 2,830 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4393% | 2,101 |
| Assets per employee ($millions) | 3.8912% | 4,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0506% | 167 |
| Loan loss allowance to noncurrent loans | 563.2075% | 832 |
| Noncurrent assets plus other real estate owned to assets | 0.2867% | 5,223 |
| Noncurrent loans to loans | 0.7192% | 3,902 |
| Net loans and leases to total assets | 38.2549% | 5,940 |
| Net loans and leases to deposits | 46.7859% | 5,839 |
| Net loans and leases to core deposits | 47.9942% | 5,904 |
| Total domestic deposits to total assets | 81.7659% | 4,731 |
| Equity capital to assets | 13.9464% | 991 |
| Core capital (leverage) ratio | 13.9977% | 829 |
| Tier 1 risk-based capital ratio | 21.7326% | 1,301 |
| Total risk-based capital ratio | 22.9753% | 1,283 |
| Memoranda: | ||
| Average total assets | $74,857,670 | 5,274 |
| Average earning assets | $67,193,330 | 5,293 |
| Average equity | $9,990,330 | 4,808 |
| Average total loans | $28,460,330 | 5,724 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3659% | 5,717 |
| Cost of funding earning assets | 0.1952% | 6,039 |
| Net interest margin | 3.1707% | 5,012 |
| Noninterest income to average assets | 0.6745% | 2,323 |
| Noninterest expense to average assets | 2.6925% | 3,952 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7983% | 3,164 |
| Return on assets (ROA) | 0.8391% | 3,028 |
| Pretax return on assets | 0.8710% | 3,823 |
| Return on Equity (ROE) | 6.4293% | 3,789 |
| Retained earnings to average equity (ytd only) | 6.4293% | 2,325 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4706% | 2,730 |
| Assets per employee ($millions) | 4.1879% | 3,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4589% | 134 |
| Loan loss allowance to noncurrent loans | 3,411.4286% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 6,143 |
| Noncurrent loans to loans | 0.1307% | 5,715 |
| Net loans and leases to total assets | 33.9391% | 6,183 |
| Net loans and leases to deposits | 40.3966% | 6,161 |
| Net loans and leases to core deposits | 41.5588% | 6,176 |
| Total domestic deposits to total assets | 84.0148% | 4,267 |
| Equity capital to assets | 13.2724% | 1,181 |
| Core capital (leverage) ratio | 13.6051% | 943 |
| Tier 1 risk-based capital ratio | 22.2117% | 1,255 |
| Total risk-based capital ratio | 23.4493% | 1,242 |
| Memoranda: | ||
| Average total assets | $75,320,000 | 5,315 |
| Average earning assets | $67,620,000 | 5,329 |
| Average equity | $9,830,000 | 4,864 |
| Average total loans | $27,952,000 | 5,800 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4847% | 5,674 |
| Cost of funding earning assets | 0.2208% | 6,173 |
| Net interest margin | 3.2638% | 4,792 |
| Noninterest income to average assets | 0.4855% | 3,851 |
| Noninterest expense to average assets | 2.9997% | 3,057 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3684% | 5,267 |
| Return on assets (ROA) | 0.3684% | 5,379 |
| Pretax return on assets | 0.3829% | 5,528 |
| Return on Equity (ROE) | 2.8188% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.3054% | 4,609 |
| Net charge-offs to loans | -1.4365% | 6,763 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6814% | 1,149 |
| Assets per employee ($millions) | 3.7629% | 4,340 |
| Cash dividends to net income (ytd only)* | 18.2143% | 3,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0960% | 189 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 4,958 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 37.1163% | 6,151 |
| Net loans and leases to deposits | 43.9606% | 6,124 |
| Net loans and leases to core deposits | 45.2202% | 6,175 |
| Total domestic deposits to total assets | 84.4309% | 3,999 |
| Equity capital to assets | 12.8292% | 1,353 |
| Core capital (leverage) ratio | 13.6593% | 911 |
| Tier 1 risk-based capital ratio | 20.8936% | 1,442 |
| Total risk-based capital ratio | 22.1312% | 1,429 |
| Memoranda: | ||
| Average total assets | $76,006,600 | 5,326 |
| Average earning assets | $67,467,000 | 5,358 |
| Average equity | $9,933,200 | 4,859 |
| Average total loans | $27,149,400 | 5,886 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4566% | 5,775 |
| Cost of funding earning assets | 0.2271% | 6,248 |
| Net interest margin | 3.2294% | 4,901 |
| Noninterest income to average assets | 0.5145% | 3,710 |
| Noninterest expense to average assets | 2.9345% | 3,192 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4042% | 5,230 |
| Return on assets (ROA) | 0.4042% | 5,365 |
| Pretax return on assets | 0.4410% | 5,522 |
| Return on Equity (ROE) | 3.0791% | 5,578 |
| Retained earnings to average equity (ytd only) | 2.3992% | 4,898 |
| Net charge-offs to loans | -1.9058% | 6,845 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9362% | 1,266 |
| Assets per employee ($millions) | 3.6829% | 4,484 |
| Cash dividends to net income (ytd only)* | 22.0786% | 3,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2131% | 202 |
| Loan loss allowance to noncurrent loans | 29,600.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.4412% | 5,104 |
| Noncurrent loans to loans | 0.0142% | 6,318 |
| Net loans and leases to total assets | 36.5464% | 6,256 |
| Net loans and leases to deposits | 43.4675% | 6,238 |
| Net loans and leases to core deposits | 44.5590% | 6,273 |
| Total domestic deposits to total assets | 84.0775% | 4,157 |
| Equity capital to assets | 13.1542% | 1,263 |
| Core capital (leverage) ratio | 13.4551% | 1,041 |
| Tier 1 risk-based capital ratio | 21.1964% | 1,457 |
| Total risk-based capital ratio | 22.4325% | 1,429 |
| Memoranda: | ||
| Average total assets | $76,193,750 | 5,378 |
| Average earning assets | $67,502,250 | 5,417 |
| Average equity | $10,002,750 | 4,905 |
| Average total loans | $26,655,250 | 5,960 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3419% | 6,019 |
| Cost of funding earning assets | 0.2199% | 6,368 |
| Net interest margin | 3.1221% | 5,215 |
| Noninterest income to average assets | 0.3583% | 4,826 |
| Noninterest expense to average assets | 2.8038% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2934% | 5,621 |
| Return on assets (ROA) | 0.2934% | 5,767 |
| Pretax return on assets | 0.3193% | 5,820 |
| Return on Equity (ROE) | 2.2360% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.2268% | 5,408 |
| Net charge-offs to loans | -1.9410% | 6,893 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7756% | 1,064 |
| Assets per employee ($millions) | 3.8114% | 4,186 |
| Cash dividends to net income (ytd only)* | 45.1327% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7054% | 318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 6,139 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 36.0699% | 6,296 |
| Net loans and leases to deposits | 42.9710% | 6,286 |
| Net loans and leases to core deposits | 45.0974% | 6,279 |
| Total domestic deposits to total assets | 83.9401% | 4,343 |
| Equity capital to assets | 12.5323% | 1,557 |
| Core capital (leverage) ratio | 12.9436% | 1,188 |
| Tier 1 risk-based capital ratio | 20.3193% | 1,648 |
| Total risk-based capital ratio | 21.5509% | 1,631 |
| Memoranda: | ||
| Average total assets | $77,039,330 | 5,390 |
| Average earning assets | $68,224,330 | 5,439 |
| Average equity | $10,107,330 | 4,916 |
| Average total loans | $26,172,670 | 6,016 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1832% | 6,310 |
| Cost of funding earning assets | 0.2274% | 6,430 |
| Net interest margin | 2.9558% | 5,690 |
| Noninterest income to average assets | 0.3409% | 4,967 |
| Noninterest expense to average assets | 2.7891% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1498% | 6,042 |
| Return on assets (ROA) | 0.1498% | 6,136 |
| Pretax return on assets | 0.1704% | 6,132 |
| Return on Equity (ROE) | 1.1170% | 6,194 |
| Retained earnings to average equity (ytd only) | -0.1541% | 5,807 |
| Net charge-offs to loans | -3.9067% | 6,970 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2408% | 820 |
| Assets per employee ($millions) | 3.8703% | 4,210 |
| Cash dividends to net income (ytd only)* | 113.7931% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4782% | 199 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 6,226 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 28.8521% | 6,641 |
| Net loans and leases to deposits | 33.8944% | 6,643 |
| Net loans and leases to core deposits | 34.4241% | 6,663 |
| Total domestic deposits to total assets | 85.1237% | 3,978 |
| Equity capital to assets | 13.2976% | 1,296 |
| Core capital (leverage) ratio | 12.6639% | 1,266 |
| Tier 1 risk-based capital ratio | 22.1468% | 1,303 |
| Total risk-based capital ratio | 23.3644% | 1,283 |
| Memoranda: | ||
| Average total assets | $77,445,500 | 5,429 |
| Average earning assets | $68,611,000 | 5,475 |
| Average equity | $10,384,500 | 4,909 |
| Average total loans | $24,982,500 | 6,122 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6124% | 6,208 |
| Cost of funding earning assets | 0.2568% | 6,642 |
| Net interest margin | 3.3555% | 5,050 |
| Noninterest income to average assets | 0.3781% | 4,767 |
| Noninterest expense to average assets | 2.8280% | 3,911 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5747% | 4,361 |
| Return on assets (ROA) | 0.5773% | 4,611 |
| Pretax return on assets | 0.6019% | 4,990 |
| Return on Equity (ROE) | 4.0366% | 5,124 |
| Retained earnings to average equity (ytd only) | 1.2024% | 5,274 |
| Net charge-offs to loans | -0.3449% | 6,988 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5169% | 1,804 |
| Assets per employee ($millions) | 3.8743% | 4,215 |
| Cash dividends to net income (ytd only)* | 70.2128% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0205% | 649 |
| Loan loss allowance to noncurrent loans | 6,176.9231% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 6,233 |
| Noncurrent loans to loans | 0.0489% | 6,379 |
| Net loans and leases to total assets | 33.2731% | 6,579 |
| Net loans and leases to deposits | 39.1621% | 6,590 |
| Net loans and leases to core deposits | 41.7049% | 6,557 |
| Total domestic deposits to total assets | 84.9624% | 3,883 |
| Equity capital to assets | 13.5199% | 1,217 |
| Core capital (leverage) ratio | 14.0155% | 798 |
| Tier 1 risk-based capital ratio | 21.9859% | 1,264 |
| Total risk-based capital ratio | 23.2140% | 1,243 |
| Memoranda: | ||
| Average total assets | $73,266,200 | 5,539 |
| Average earning assets | $66,576,400 | 5,532 |
| Average equity | $10,479,200 | 4,871 |
| Average total loans | $26,385,600 | 6,119 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6648% | 6,291 |
| Cost of funding earning assets | 0.2605% | 6,769 |
| Net interest margin | 3.4043% | 5,022 |
| Noninterest income to average assets | 0.3822% | 4,766 |
| Noninterest expense to average assets | 2.8416% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6446% | 4,173 |
| Return on assets (ROA) | 0.6481% | 4,410 |
| Pretax return on assets | 0.6813% | 4,918 |
| Return on Equity (ROE) | 4.4656% | 5,057 |
| Retained earnings to average equity (ytd only) | 2.3281% | 5,172 |
| Net charge-offs to loans | -0.3544% | 7,071 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7450% | 1,983 |
| Assets per employee ($millions) | 3.3830% | 5,251 |
| Cash dividends to net income (ytd only)* | 47.8621% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9578% | 752 |
| Loan loss allowance to noncurrent loans | 601.5385% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.3252% | 5,879 |
| Noncurrent loans to loans | 0.4917% | 5,463 |
| Net loans and leases to total assets | 37.9210% | 6,420 |
| Net loans and leases to deposits | 45.9408% | 6,389 |
| Net loans and leases to core deposits | 46.7869% | 6,476 |
| Total domestic deposits to total assets | 82.5433% | 4,815 |
| Equity capital to assets | 15.6742% | 672 |
| Core capital (leverage) ratio | 14.0978% | 800 |
| Tier 1 risk-based capital ratio | 23.5829% | 1,079 |
| Total risk-based capital ratio | 24.8080% | 1,064 |
| Memoranda: | ||
| Average total assets | $72,211,250 | 5,627 |
| Average earning assets | $66,541,750 | 5,596 |
| Average equity | $10,480,000 | 4,921 |
| Average total loans | $26,335,750 | 6,200 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4931% | 6,613 |
| Cost of funding earning assets | 0.2558% | 6,889 |
| Net interest margin | 3.2373% | 5,628 |
| Noninterest income to average assets | 0.3933% | 4,700 |
| Noninterest expense to average assets | 2.9514% | 3,438 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3751% | 5,329 |
| Return on assets (ROA) | 0.3798% | 5,529 |
| Pretax return on assets | 0.4340% | 5,619 |
| Return on Equity (ROE) | 2.6824% | 5,814 |
| Retained earnings to average equity (ytd only) | 0.4407% | 5,894 |
| Net charge-offs to loans | -0.0076% | 6,232 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3194% | 1,308 |
| Assets per employee ($millions) | 3.5388% | 4,893 |
| Cash dividends to net income (ytd only)* | 83.5714% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6171% | 1,131 |
| Loan loss allowance to noncurrent loans | 287.0968% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4776% | 5,570 |
| Noncurrent loans to loans | 0.9116% | 4,677 |
| Net loans and leases to total assets | 37.4341% | 6,524 |
| Net loans and leases to deposits | 44.6267% | 6,519 |
| Net loans and leases to core deposits | 45.3991% | 6,600 |
| Total domestic deposits to total assets | 83.8827% | 4,355 |
| Equity capital to assets | 14.6945% | 861 |
| Core capital (leverage) ratio | 13.8987% | 832 |
| Tier 1 risk-based capital ratio | 22.7649% | 1,161 |
| Total risk-based capital ratio | 24.0021% | 1,148 |
| Memoranda: | ||
| Average total assets | $73,728,670 | 5,611 |
| Average earning assets | $68,019,670 | 5,588 |
| Average equity | $10,438,330 | 4,928 |
| Average total loans | $26,301,330 | 6,242 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3548% | 6,852 |
| Cost of funding earning assets | 0.2638% | 6,970 |
| Net interest margin | 3.0910% | 6,076 |
| Noninterest income to average assets | 0.3191% | 5,319 |
| Noninterest expense to average assets | 2.8828% | 3,695 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2672% | 5,756 |
| Return on assets (ROA) | 0.2766% | 5,894 |
| Pretax return on assets | 0.3138% | 5,947 |
| Return on Equity (ROE) | 1.9890% | 6,082 |
| Retained earnings to average equity (ytd only) | -1.3388% | 6,200 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4841% | 1,051 |
| Assets per employee ($millions) | 3.7286% | 4,586 |
| Cash dividends to net income (ytd only)* | 167.3077% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9013% | 913 |
| Loan loss allowance to noncurrent loans | 240.6040% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 5,866 |
| Noncurrent loans to loans | 1.2058% | 4,319 |
| Net loans and leases to total assets | 32.1787% | 6,824 |
| Net loans and leases to deposits | 37.5166% | 6,843 |
| Net loans and leases to core deposits | 38.1167% | 6,880 |
| Total domestic deposits to total assets | 85.7719% | 3,652 |
| Equity capital to assets | 13.9129% | 1,051 |
| Core capital (leverage) ratio | 13.3154% | 1,016 |
| Tier 1 risk-based capital ratio | 23.7480% | 1,034 |
| Total risk-based capital ratio | 24.9606% | 1,026 |
| Memoranda: | ||
| Average total assets | $75,205,500 | 5,611 |
| Average earning assets | $69,750,000 | 5,572 |
| Average equity | $10,457,500 | 4,929 |
| Average total loans | $25,849,000 | 6,318 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8408% | 6,684 |
| Cost of funding earning assets | 0.3348% | 7,044 |
| Net interest margin | 3.5060% | 5,124 |
| Noninterest income to average assets | 0.4148% | 4,496 |
| Noninterest expense to average assets | 3.0000% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6923% | 3,528 |
| Return on assets (ROA) | 0.7033% | 3,661 |
| Pretax return on assets | 0.7335% | 4,214 |
| Return on Equity (ROE) | 4.7241% | 4,518 |
| Retained earnings to average equity (ytd only) | 1.7739% | 4,952 |
| Net charge-offs to loans | -0.1279% | 7,163 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6016% | 2,217 |
| Assets per employee ($millions) | 3.7920% | 4,336 |
| Cash dividends to net income (ytd only)* | 62.4490% | 1,455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6570% | 1,126 |
| Loan loss allowance to noncurrent loans | 227.6190% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.4153% | 5,933 |
| Noncurrent loans to loans | 1.1673% | 4,419 |
| Net loans and leases to total assets | 34.6361% | 6,840 |
| Net loans and leases to deposits | 40.3329% | 6,867 |
| Net loans and leases to core deposits | 40.9663% | 6,918 |
| Total domestic deposits to total assets | 85.8755% | 3,383 |
| Equity capital to assets | 13.8977% | 1,104 |
| Core capital (leverage) ratio | 14.0794% | 809 |
| Tier 1 risk-based capital ratio | 22.8785% | 1,113 |
| Total risk-based capital ratio | 24.0821% | 1,096 |
| Memoranda: | ||
| Average total assets | $69,667,800 | 5,750 |
| Average earning assets | $65,715,400 | 5,674 |
| Average equity | $10,372,400 | 4,932 |
| Average total loans | $27,358,000 | 6,272 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8361% | 6,798 |
| Cost of funding earning assets | 0.3570% | 7,110 |
| Net interest margin | 3.4790% | 5,278 |
| Noninterest income to average assets | 0.4521% | 4,278 |
| Noninterest expense to average assets | 3.0453% | 3,374 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.6448% | 3,900 |
| Return on assets (ROA) | 0.6596% | 3,999 |
| Pretax return on assets | 0.7026% | 4,472 |
| Return on Equity (ROE) | 4.3495% | 4,838 |
| Retained earnings to average equity (ytd only) | 1.2906% | 5,490 |
| Net charge-offs to loans | -0.0097% | 6,779 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5941% | 2,032 |
| Assets per employee ($millions) | 3.5668% | 4,835 |
| Cash dividends to net income (ytd only)* | 70.3263% | 875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5005% | 1,398 |
| Loan loss allowance to noncurrent loans | 315.2074% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.3202% | 6,269 |
| Noncurrent loans to loans | 0.7933% | 5,290 |
| Net loans and leases to total assets | 39.3552% | 6,684 |
| Net loans and leases to deposits | 46.7699% | 6,700 |
| Net loans and leases to core deposits | 47.6072% | 6,775 |
| Total domestic deposits to total assets | 84.1464% | 4,158 |
| Equity capital to assets | 15.5511% | 713 |
| Core capital (leverage) ratio | 14.2943% | 821 |
| Tier 1 risk-based capital ratio | 24.3179% | 979 |
| Total risk-based capital ratio | 25.5361% | 968 |
| Memoranda: | ||
| Average total assets | $68,124,750 | 5,837 |
| Average earning assets | $64,230,750 | 5,765 |
| Average equity | $10,330,500 | 4,951 |
| Average total loans | $27,451,250 | 6,330 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 6,966 |
| Cost of funding earning assets | 0.3734% | 7,187 |
| Net interest margin | 3.3793% | 5,610 |
| Noninterest income to average assets | 0.4748% | 4,064 |
| Noninterest expense to average assets | 2.9981% | 3,650 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6424% | 3,839 |
| Return on assets (ROA) | 0.6623% | 3,852 |
| Pretax return on assets | 0.6799% | 4,465 |
| Return on Equity (ROE) | 4.4050% | 4,736 |
| Retained earnings to average equity (ytd only) | 1.4813% | 5,240 |
| Net charge-offs to loans | -0.0146% | 6,761 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9712% | 2,105 |
| Assets per employee ($millions) | 3.7877% | 4,230 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4736% | 1,483 |
| Loan loss allowance to noncurrent loans | 280.3279% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3579% | 6,238 |
| Noncurrent loans to loans | 0.8824% | 5,201 |
| Net loans and leases to total assets | 39.5553% | 6,780 |
| Net loans and leases to deposits | 46.8919% | 6,785 |
| Net loans and leases to core deposits | 49.9926% | 6,758 |
| Total domestic deposits to total assets | 84.3542% | 4,192 |
| Equity capital to assets | 15.3261% | 739 |
| Core capital (leverage) ratio | 13.9186% | 888 |
| Tier 1 risk-based capital ratio | 24.0354% | 1,005 |
| Total risk-based capital ratio | 25.2523% | 990 |
| Memoranda: | ||
| Average total assets | $68,243,000 | 5,880 |
| Average earning assets | $64,274,000 | 5,813 |
| Average equity | $10,261,000 | 4,982 |
| Average total loans | $27,483,330 | 6,389 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6997% | 7,068 |
| Cost of funding earning assets | 0.3793% | 7,270 |
| Net interest margin | 3.3204% | 5,707 |
| Noninterest income to average assets | 0.4570% | 4,216 |
| Noninterest expense to average assets | 3.0816% | 3,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4863% | 4,545 |
| Return on assets (ROA) | 0.4863% | 4,627 |
| Pretax return on assets | 0.5038% | 5,018 |
| Return on Equity (ROE) | 3.2655% | 5,253 |
| Retained earnings to average equity (ytd only) | -0.7475% | 5,932 |
| Net charge-offs to loans | -0.0146% | 6,469 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9477% | 1,721 |
| Assets per employee ($millions) | 3.4227% | 5,182 |
| Cash dividends to net income (ytd only)* | 122.8916% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7516% | 1,152 |
| Loan loss allowance to noncurrent loans | 227.6667% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.4879% | 6,008 |
| Noncurrent loans to loans | 1.2086% | 4,666 |
| Net loans and leases to total assets | 35.2631% | 7,036 |
| Net loans and leases to deposits | 41.5109% | 7,038 |
| Net loans and leases to core deposits | 44.4655% | 7,027 |
| Total domestic deposits to total assets | 84.9490% | 4,052 |
| Equity capital to assets | 14.8319% | 802 |
| Core capital (leverage) ratio | 13.6795% | 918 |
| Tier 1 risk-based capital ratio | 25.1116% | 866 |
| Total risk-based capital ratio | 26.2963% | 855 |
| Memoranda: | ||
| Average total assets | $68,275,500 | 5,923 |
| Average earning assets | $64,329,500 | 5,848 |
| Average equity | $10,167,000 | 4,996 |
| Average total loans | $27,399,000 | 6,441 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0099% | 7,126 |
| Cost of funding earning assets | 0.4691% | 7,343 |
| Net interest margin | 3.5407% | 5,073 |
| Noninterest income to average assets | 0.4449% | 4,560 |
| Noninterest expense to average assets | 2.9109% | 4,181 |
| Loan and lease loss provision to assets | 0.0853% | 6,296 |
| Net operating income to assets | 0.7121% | 3,187 |
| Return on assets (ROA) | 0.7121% | 3,318 |
| Pretax return on assets | 0.7419% | 3,828 |
| Return on Equity (ROE) | 4.9323% | 4,098 |
| Retained earnings to average equity (ytd only) | 2.4514% | 4,161 |
| Net charge-offs to loans | -0.0415% | 7,429 |
| Credit loss provision to net charge-offs | -500.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8707% | 2,727 |
| Assets per employee ($millions) | 3.5841% | 4,742 |
| Cash dividends to net income (ytd only)* | 50.2994% | 2,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2752% | 1,736 |
| Loan loss allowance to noncurrent loans | 276.1134% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 6,238 |
| Noncurrent loans to loans | 0.8240% | 5,401 |
| Net loans and leases to total assets | 43.0180% | 6,788 |
| Net loans and leases to deposits | 50.7484% | 6,816 |
| Net loans and leases to core deposits | 57.5249% | 6,596 |
| Total domestic deposits to total assets | 84.7673% | 3,961 |
| Equity capital to assets | 14.9507% | 802 |
| Core capital (leverage) ratio | 12.7526% | 1,221 |
| Tier 1 risk-based capital ratio | 19.4591% | 1,603 |
| Total risk-based capital ratio | 20.7104% | 1,577 |
| Memoranda: | ||
| Average total assets | $70,355,600 | 5,876 |
| Average earning assets | $65,438,200 | 5,816 |
| Average equity | $10,157,600 | 5,088 |
| Average total loans | $28,902,800 | 6,451 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 7,290 |
| Cost of funding earning assets | 0.4797% | 7,473 |
| Net interest margin | 3.5035% | 5,277 |
| Noninterest income to average assets | 0.4023% | 4,940 |
| Noninterest expense to average assets | 2.8820% | 4,160 |
| Loan and lease loss provision to assets | 0.1128% | 5,905 |
| Net operating income to assets | 0.6448% | 3,681 |
| Return on assets (ROA) | 0.6448% | 3,847 |
| Pretax return on assets | 0.6618% | 4,379 |
| Return on Equity (ROE) | 4.5048% | 4,555 |
| Retained earnings to average equity (ytd only) | 2.3772% | 4,745 |
| Net charge-offs to loans | -0.0186% | 7,346 |
| Credit loss provision to net charge-offs | -1,500.0000% | 7,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8175% | 2,513 |
| Assets per employee ($millions) | 3.8950% | 4,043 |
| Cash dividends to net income (ytd only)* | 47.2295% | 1,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3550% | 1,536 |
| Loan loss allowance to noncurrent loans | 254.9242% | 1,155 |
| Noncurrent assets plus other real estate owned to assets | 0.4027% | 6,414 |
| Noncurrent loans to loans | 0.9238% | 5,393 |
| Net loans and leases to total assets | 37.7069% | 7,195 |
| Net loans and leases to deposits | 43.9830% | 7,244 |
| Net loans and leases to core deposits | 44.9030% | 7,293 |
| Total domestic deposits to total assets | 85.7307% | 3,231 |
| Equity capital to assets | 13.9382% | 1,184 |
| Core capital (leverage) ratio | 12.6198% | 1,363 |
| Tier 1 risk-based capital ratio | 17.3546% | 2,225 |
| Total risk-based capital ratio | 18.5745% | 2,194 |
| Memoranda: | ||
| Average total assets | $70,920,250 | 5,918 |
| Average earning assets | $65,875,500 | 5,863 |
| Average equity | $10,151,750 | 5,148 |
| Average total loans | $28,634,500 | 6,549 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0278% | 7,339 |
| Cost of funding earning assets | 0.5128% | 7,530 |
| Net interest margin | 3.5150% | 5,194 |
| Noninterest income to average assets | 0.3978% | 4,933 |
| Noninterest expense to average assets | 2.8988% | 4,078 |
| Loan and lease loss provision to assets | 0.1717% | 5,148 |
| Net operating income to assets | 0.5466% | 4,111 |
| Return on assets (ROA) | 0.5466% | 4,249 |
| Pretax return on assets | 0.5637% | 4,691 |
| Return on Equity (ROE) | 3.7832% | 4,881 |
| Retained earnings to average equity (ytd only) | 2.2976% | 4,696 |
| Net charge-offs to loans | -0.0140% | 7,244 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,997 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7638% | 2,470 |
| Assets per employee ($millions) | 4.1151% | 3,551 |
| Cash dividends to net income (ytd only)* | 39.2670% | 2,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2749% | 1,629 |
| Loan loss allowance to noncurrent loans | 208.0495% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4566% | 6,308 |
| Noncurrent loans to loans | 1.0934% | 5,134 |
| Net loans and leases to total assets | 36.9217% | 7,326 |
| Net loans and leases to deposits | 42.5882% | 7,371 |
| Net loans and leases to core deposits | 42.9047% | 7,430 |
| Total domestic deposits to total assets | 86.6947% | 2,707 |
| Equity capital to assets | 13.0405% | 1,551 |
| Core capital (leverage) ratio | 13.9976% | 926 |
| Tier 1 risk-based capital ratio | 18.1891% | 1,899 |
| Total risk-based capital ratio | 19.4402% | 1,875 |
| Memoranda: | ||
| Average total assets | $69,892,000 | 5,984 |
| Average earning assets | $64,353,330 | 5,952 |
| Average equity | $10,097,330 | 5,168 |
| Average total loans | $28,653,330 | 6,598 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0750% | 7,397 |
| Cost of funding earning assets | 0.5498% | 7,603 |
| Net interest margin | 3.5252% | 5,060 |
| Noninterest income to average assets | 0.4624% | 4,363 |
| Noninterest expense to average assets | 3.1151% | 3,211 |
| Loan and lease loss provision to assets | 0.3650% | 3,181 |
| Net operating income to assets | 0.2799% | 5,370 |
| Return on assets (ROA) | 0.2799% | 5,505 |
| Pretax return on assets | 0.2981% | 5,608 |
| Return on Equity (ROE) | 1.8312% | 5,823 |
| Retained earnings to average equity (ytd only) | -0.0796% | 5,850 |
| Net charge-offs to loans | -0.0142% | 6,990 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4477% | 2,215 |
| Assets per employee ($millions) | 3.3340% | 5,467 |
| Cash dividends to net income (ytd only)* | 104.3478% | 547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5270% | 1,257 |
| Loan loss allowance to noncurrent loans | 174.7396% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 5,866 |
| Noncurrent loans to loans | 1.4462% | 4,570 |
| Net loans and leases to total assets | 40.8581% | 7,195 |
| Net loans and leases to deposits | 48.7062% | 7,195 |
| Net loans and leases to core deposits | 48.7062% | 7,333 |
| Total domestic deposits to total assets | 83.8869% | 4,199 |
| Equity capital to assets | 15.8621% | 693 |
| Core capital (leverage) ratio | 14.1663% | 919 |
| Tier 1 risk-based capital ratio | 24.0007% | 969 |
| Total risk-based capital ratio | 25.2300% | 949 |
| Memoranda: | ||
| Average total assets | $65,744,500 | 6,183 |
| Average earning assets | $61,841,000 | 6,097 |
| Average equity | $10,048,000 | 5,225 |
| Average total loans | $28,210,000 | 6,703 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7560% | 7,041 |
| Cost of funding earning assets | 0.7024% | 7,682 |
| Net interest margin | 4.0536% | 2,636 |
| Noninterest income to average assets | 0.3992% | 5,209 |
| Noninterest expense to average assets | 3.2252% | 3,295 |
| Loan and lease loss provision to assets | 0.5636% | 3,555 |
| Net operating income to assets | 0.3780% | 4,218 |
| Return on assets (ROA) | 0.3914% | 4,260 |
| Pretax return on assets | 0.4102% | 4,469 |
| Return on Equity (ROE) | 2.5132% | 4,700 |
| Retained earnings to average equity (ytd only) | 1.4878% | 4,024 |
| Net charge-offs to loans | 1.1685% | 2,095 |
| Credit loss provision to net charge-offs | 113.9241% | 4,807 |
| Earnings coverage of net charge-offs (x) | 1.9399% | 4,267 |
| Efficiency ratio | 77.0670% | 3,354 |
| Assets per employee ($millions) | 3.5865% | 4,814 |
| Cash dividends to net income (ytd only)* | 40.8000% | 2,891 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0424% | 1,933 |
| Loan loss allowance to noncurrent loans | 134.0659% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7191% | 5,671 |
| Noncurrent loans to loans | 1.5234% | 4,364 |
| Net loans and leases to total assets | 42.9347% | 7,191 |
| Net loans and leases to deposits | 50.5294% | 7,230 |
| Net loans and leases to core deposits | 56.8042% | 7,377 |
| Total domestic deposits to total assets | 84.9698% | 3,558 |
| Equity capital to assets | 14.7455% | 963 |
| Core capital (leverage) ratio | 14.8584% | 813 |
| Tier 1 risk-based capital ratio | 19.7568% | 1,502 |
| Total risk-based capital ratio | 20.9916% | 1,473 |
| Memoranda: | ||
| Average total assets | $63,871,600 | 6,207 |
| Average earning assets | $59,650,800 | 6,137 |
| Average equity | $9,947,600 | 5,309 |
| Average total loans | $27,044,000 | 6,800 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8037% | 7,114 |
| Cost of funding earning assets | 0.7464% | 7,764 |
| Net interest margin | 4.0573% | 2,560 |
| Noninterest income to average assets | 0.4012% | 5,272 |
| Noninterest expense to average assets | 3.2630% | 3,064 |
| Loan and lease loss provision to assets | 0.5732% | 3,091 |
| Net operating income to assets | 0.3161% | 4,733 |
| Return on assets (ROA) | 0.3333% | 4,766 |
| Pretax return on assets | 0.3694% | 4,879 |
| Return on Equity (ROE) | 2.1096% | 5,131 |
| Retained earnings to average equity (ytd only) | 0.7390% | 4,874 |
| Net charge-offs to loans | 0.0962% | 5,711 |
| Credit loss provision to net charge-offs | 1,421.0526% | 273 |
| Earnings coverage of net charge-offs (x) | 22.8974% | 1,140 |
| Efficiency ratio | 77.9412% | 3,175 |
| Assets per employee ($millions) | 3.1884% | 5,680 |
| Cash dividends to net income (ytd only)* | 64.9692% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8292% | 769 |
| Loan loss allowance to noncurrent loans | 91.7885% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 1.5253% | 4,078 |
| Noncurrent loans to loans | 3.0823% | 2,451 |
| Net loans and leases to total assets | 46.2628% | 7,088 |
| Net loans and leases to deposits | 55.7376% | 7,110 |
| Net loans and leases to core deposits | 63.4359% | 7,268 |
| Total domestic deposits to total assets | 83.0010% | 4,220 |
| Equity capital to assets | 16.5682% | 698 |
| Core capital (leverage) ratio | 14.8354% | 888 |
| Tier 1 risk-based capital ratio | 20.5239% | 1,448 |
| Total risk-based capital ratio | 21.7642% | 1,410 |
| Memoranda: | ||
| Average total assets | $62,803,750 | 6,285 |
| Average earning assets | $58,591,750 | 6,233 |
| Average equity | $9,922,500 | 5,354 |
| Average total loans | $26,338,250 | 6,892 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7244% | 7,356 |
| Cost of funding earning assets | 0.7953% | 7,823 |
| Net interest margin | 3.9291% | 2,981 |
| Noninterest income to average assets | 0.3966% | 5,323 |
| Noninterest expense to average assets | 2.9365% | 4,354 |
| Loan and lease loss provision to assets | 0.5665% | 2,754 |
| Net operating income to assets | 0.5116% | 4,041 |
| Return on assets (ROA) | 0.5351% | 4,064 |
| Pretax return on assets | 0.5728% | 4,394 |
| Return on Equity (ROE) | 3.4398% | 4,736 |
| Retained earnings to average equity (ytd only) | 3.4398% | 3,408 |
| Net charge-offs to loans | 0.1568% | 4,626 |
| Credit loss provision to net charge-offs | 900.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 17.7000% | 1,460 |
| Efficiency ratio | 72.4942% | 4,314 |
| Assets per employee ($millions) | 3.3635% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6441% | 790 |
| Loan loss allowance to noncurrent loans | 78.3172% | 3,571 |
| Noncurrent assets plus other real estate owned to assets | 1.5053% | 3,975 |
| Noncurrent loans to loans | 3.3762% | 2,086 |
| Net loans and leases to total assets | 41.8286% | 7,456 |
| Net loans and leases to deposits | 49.7228% | 7,496 |
| Net loans and leases to core deposits | 58.6631% | 7,498 |
| Total domestic deposits to total assets | 84.1236% | 3,701 |
| Equity capital to assets | 15.5760% | 908 |
| Core capital (leverage) ratio | 14.8595% | 951 |
| Tier 1 risk-based capital ratio | 20.2151% | 1,534 |
| Total risk-based capital ratio | 21.4519% | 1,494 |
| Memoranda: | ||
| Average total assets | $63,545,000 | 6,311 |
| Average earning assets | $59,098,000 | 6,269 |
| Average equity | $9,884,330 | 5,391 |
| Average total loans | $25,503,670 | 6,994 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6708% | 7,547 |
| Cost of funding earning assets | 0.8961% | 7,818 |
| Net interest margin | 3.7746% | 3,565 |
| Noninterest income to average assets | 0.4103% | 5,130 |
| Noninterest expense to average assets | 3.0238% | 3,660 |
| Loan and lease loss provision to assets | 0.5681% | 2,214 |
| Net operating income to assets | 0.2841% | 5,357 |
| Return on assets (ROA) | 0.2841% | 5,527 |
| Pretax return on assets | 0.3283% | 5,596 |
| Return on Equity (ROE) | 1.8275% | 5,833 |
| Retained earnings to average equity (ytd only) | 1.8275% | 4,834 |
| Net charge-offs to loans | 0.3425% | 2,716 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 6.7619% | 2,446 |
| Efficiency ratio | 77.1337% | 3,306 |
| Assets per employee ($millions) | 3.3873% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6042% | 686 |
| Loan loss allowance to noncurrent loans | 60.2467% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.6905% | 3,390 |
| Noncurrent loans to loans | 4.3225% | 1,352 |
| Net loans and leases to total assets | 36.9014% | 7,698 |
| Net loans and leases to deposits | 43.7915% | 7,733 |
| Net loans and leases to core deposits | 52.1807% | 7,729 |
| Total domestic deposits to total assets | 84.2661% | 3,573 |
| Equity capital to assets | 15.4651% | 972 |
| Core capital (leverage) ratio | 14.5534% | 1,070 |
| Tier 1 risk-based capital ratio | 20.7426% | 1,486 |
| Total risk-based capital ratio | 21.9952% | 1,458 |
| Memoranda: | ||
| Average total assets | $63,364,500 | 6,346 |
| Average earning assets | $58,919,500 | 6,304 |
| Average equity | $9,849,500 | 5,434 |
| Average total loans | $24,527,000 | 7,095 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3117% | 7,586 |
| Cost of funding earning assets | 1.6062% | 7,436 |
| Net interest margin | 3.7055% | 4,450 |
| Noninterest income to average assets | 0.8916% | 1,995 |
| Noninterest expense to average assets | 3.1085% | 3,664 |
| Loan and lease loss provision to assets | 0.4062% | 3,249 |
| Net operating income to assets | 0.7980% | 3,443 |
| Return on assets (ROA) | 0.8415% | 3,090 |
| Pretax return on assets | 0.8754% | 3,810 |
| Return on Equity (ROE) | 5.4354% | 4,191 |
| Retained earnings to average equity (ytd only) | 1.2961% | 4,439 |
| Net charge-offs to loans | 1.6178% | 700 |
| Credit loss provision to net charge-offs | 60.7748% | 6,222 |
| Earnings coverage of net charge-offs (x) | 1.8499% | 5,145 |
| Efficiency ratio | 71.5456% | 4,025 |
| Assets per employee ($millions) | 3.2827% | 5,256 |
| Cash dividends to net income (ytd only)* | 76.1538% | 1,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2943% | 859 |
| Loan loss allowance to noncurrent loans | 47.4832% | 5,646 |
| Noncurrent assets plus other real estate owned to assets | 1.9673% | 2,502 |
| Noncurrent loans to loans | 4.8318% | 936 |
| Net loans and leases to total assets | 38.6462% | 7,735 |
| Net loans and leases to deposits | 45.9640% | 7,781 |
| Net loans and leases to core deposits | 54.6774% | 7,780 |
| Total domestic deposits to total assets | 84.0791% | 3,286 |
| Equity capital to assets | 15.6259% | 1,018 |
| Core capital (leverage) ratio | 15.2433% | 970 |
| Tier 1 risk-based capital ratio | 24.6842% | 1,012 |
| Total risk-based capital ratio | 25.9339% | 988 |
| Memoranda: | ||
| Average total assets | $61,797,400 | 6,327 |
| Average earning assets | $57,589,600 | 6,276 |
| Average equity | $9,567,000 | 5,545 |
| Average total loans | $25,529,000 | 6,992 |