Home > Lena State Bank > Performance and Condition Ratios
Lena 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 | 4.5802% | 2,943 |
| Cost of funding earning assets | 1.3642% | 2,322 |
| Net interest margin | 3.2161% | 2,839 |
| Noninterest income to average assets | 0.2500% | 3,442 |
| Noninterest expense to average assets | 1.8195% | 3,972 |
| Loan and lease loss provision to assets | 0.1000% | 1,286 |
| Net operating income to assets | 1.0246% | 2,141 |
| Return on assets (ROA) | 0.9801% | 2,266 |
| Pretax return on assets | 1.2887% | 1,901 |
| Return on Equity (ROE) | 11.7000% | 2,039 |
| Retained earnings to average equity (ytd only) | 6.1011% | 2,206 |
| Net charge-offs to loans | 0.7388% | 137 |
| Credit loss provision to net charge-offs | 20.0461% | 2,309 |
| Earnings coverage of net charge-offs (x) | 3.2028% | 2,652 |
| Efficiency ratio | 55.6619% | 3,529 |
| Assets per employee ($millions) | 12.2655% | 385 |
| Cash dividends to net income (ytd only)* | 47.8723% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2213% | 2,170 |
| Loan loss allowance to noncurrent loans | 194.1476% | 2,549 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 1,384 |
| Noncurrent loans to loans | 0.6291% | 1,255 |
| Net loans and leases to total assets | 62.8900% | 2,584 |
| Net loans and leases to deposits | 73.5110% | 2,654 |
| Net loans and leases to core deposits | 86.8264% | 2,253 |
| Total domestic deposits to total assets | 85.5500% | 2,147 |
| Equity capital to assets | 8.8327% | 2,796 |
| Core capital (leverage) ratio | 11.4867% | 1,647 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $95,907,400 | 3,861 |
| Average earning assets | $90,017,200 | 3,836 |
| Average equity | $8,031,400 | 3,921 |
| Average total loans | $58,741,800 | 3,727 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4751% | 2,956 |
| Cost of funding earning assets | 1.2412% | 2,298 |
| Net interest margin | 3.2339% | 2,838 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.8401% | 3,901 |
| Loan and lease loss provision to assets | 0.1300% | 897 |
| Net operating income to assets | 0.9979% | 2,368 |
| Return on assets (ROA) | 0.9382% | 2,540 |
| Pretax return on assets | 1.2291% | 2,230 |
| Return on Equity (ROE) | 11.3600% | 2,289 |
| Retained earnings to average equity (ytd only) | 6.2833% | 2,543 |
| Net charge-offs to loans | 1.0217% | 93 |
| Credit loss provision to net charge-offs | 22.3476% | 2,002 |
| Earnings coverage of net charge-offs (x) | 2.3093% | 2,489 |
| Efficiency ratio | 56.2634% | 3,383 |
| Assets per employee ($millions) | 12.0814% | 365 |
| Cash dividends to net income (ytd only)* | 44.7094% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3002% | 1,865 |
| Loan loss allowance to noncurrent loans | 190.0744% | 2,563 |
| Noncurrent assets plus other real estate owned to assets | 0.4170% | 1,395 |
| Noncurrent loans to loans | 0.6840% | 1,210 |
| Net loans and leases to total assets | 60.1600% | 2,827 |
| Net loans and leases to deposits | 67.2741% | 3,039 |
| Net loans and leases to core deposits | 79.6016% | 2,631 |
| Total domestic deposits to total assets | 89.4300% | 1,106 |
| Equity capital to assets | 7.9244% | 3,104 |
| Core capital (leverage) ratio | 11.2890% | 1,794 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $95,353,250 | 3,885 |
| Average earning assets | $89,590,000 | 3,855 |
| Average equity | $7,872,500 | 3,946 |
| Average total loans | $57,808,750 | 3,745 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 3,106 |
| Cost of funding earning assets | 1.0837% | 2,344 |
| Net interest margin | 3.2131% | 2,957 |
| Noninterest income to average assets | 0.2300% | 3,559 |
| Noninterest expense to average assets | 1.8479% | 3,913 |
| Loan and lease loss provision to assets | 0.1600% | 694 |
| Net operating income to assets | 0.9622% | 2,538 |
| Return on assets (ROA) | 0.8723% | 2,837 |
| Pretax return on assets | 1.1336% | 2,551 |
| Return on Equity (ROE) | 10.4200% | 2,586 |
| Retained earnings to average equity (ytd only) | 5.3879% | 2,827 |
| Net charge-offs to loans | 1.5460% | 56 |
| Credit loss provision to net charge-offs | 18.0180% | 1,776 |
| Earnings coverage of net charge-offs (x) | 1.5023% | 2,363 |
| Efficiency ratio | 56.8005% | 3,321 |
| Assets per employee ($millions) | 11.8058% | 397 |
| Cash dividends to net income (ytd only)* | 48.3092% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 2,021 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 2,970 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 61.0300% | 2,673 |
| Net loans and leases to deposits | 68.6251% | 2,888 |
| Net loans and leases to core deposits | 81.2938% | 2,387 |
| Total domestic deposits to total assets | 88.9400% | 1,283 |
| Equity capital to assets | 8.4990% | 2,868 |
| Core capital (leverage) ratio | 11.3927% | 1,683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $94,920,667 | 3,897 |
| Average earning assets | $89,322,333 | 3,872 |
| Average equity | $7,943,667 | 3,958 |
| Average total loans | $57,440,000 | 3,760 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9976% | 3,458 |
| Cost of funding earning assets | 0.8254% | 2,627 |
| Net interest margin | 3.1722% | 3,182 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.8286% | 3,976 |
| Loan and lease loss provision to assets | 0.1300% | 852 |
| Net operating income to assets | 0.9948% | 2,546 |
| Return on assets (ROA) | 0.8155% | 3,095 |
| Pretax return on assets | 1.0509% | 2,855 |
| Return on Equity (ROE) | 9.8100% | 2,843 |
| Retained earnings to average equity (ytd only) | 4.7526% | 3,072 |
| Net charge-offs to loans | 3.1247% | 29 |
| Credit loss provision to net charge-offs | 6.7416% | 1,410 |
| Earnings coverage of net charge-offs (x) | 0.7506% | 1,998 |
| Efficiency ratio | 56.5670% | 3,350 |
| Assets per employee ($millions) | 11.9575% | 402 |
| Cash dividends to net income (ytd only)* | 51.5464% | 1,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1900% | 2,604 |
| Loan loss allowance to noncurrent loans | 469.5946% | 1,708 |
| Noncurrent assets plus other real estate owned to assets | 0.1547% | 2,421 |
| Noncurrent loans to loans | 0.2534% | 2,237 |
| Net loans and leases to total assets | 60.3300% | 2,614 |
| Net loans and leases to deposits | 67.6054% | 2,805 |
| Net loans and leases to core deposits | 81.9006% | 2,123 |
| Total domestic deposits to total assets | 89.2300% | 1,454 |
| Equity capital to assets | 8.3452% | 3,009 |
| Core capital (leverage) ratio | 11.4204% | 1,597 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $95,157,000 | 3,949 |
| Average earning assets | $89,653,000 | 3,921 |
| Average equity | $7,911,500 | 4,013 |
| Average total loans | $56,965,500 | 3,809 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5253% | 3,015 |
| Cost of funding earning assets | 0.5977% | 912 |
| Net interest margin | 2.9276% | 3,616 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 1.7041% | 4,170 |
| Loan and lease loss provision to assets | -0.0800% | 4,486 |
| Net operating income to assets | 1.0399% | 2,418 |
| Return on assets (ROA) | 1.0399% | 2,357 |
| Pretax return on assets | 1.3621% | 1,895 |
| Return on Equity (ROE) | 11.3900% | 2,350 |
| Retained earnings to average equity (ytd only) | -4.0118% | 4,548 |
| Net charge-offs to loans | -0.0075% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 57.0225% | 3,465 |
| Assets per employee ($millions) | 11.8318% | 407 |
| Cash dividends to net income (ytd only)* | 135.2170% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9666% | 459 |
| Loan loss allowance to noncurrent loans | 176.4136% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 763 |
| Noncurrent loans to loans | 1.1148% | 647 |
| Net loans and leases to total assets | 57.5100% | 2,872 |
| Net loans and leases to deposits | 64.5895% | 2,988 |
| Net loans and leases to core deposits | 76.8913% | 2,359 |
| Total domestic deposits to total assets | 89.0400% | 1,705 |
| Equity capital to assets | 8.2828% | 2,870 |
| Core capital (leverage) ratio | 11.2298% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $95,297,000 | 3,968 |
| Average earning assets | $90,177,200 | 3,930 |
| Average equity | $8,699,400 | 4,024 |
| Average total loans | $53,109,800 | 3,845 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4130% | 2,881 |
| Cost of funding earning assets | 0.5536% | 569 |
| Net interest margin | 2.8594% | 3,599 |
| Noninterest income to average assets | 0.2200% | 3,870 |
| Noninterest expense to average assets | 1.6915% | 4,166 |
| Loan and lease loss provision to assets | -0.4700% | 4,729 |
| Net operating income to assets | 1.2920% | 1,376 |
| Return on assets (ROA) | 1.2920% | 1,345 |
| Pretax return on assets | 1.7096% | 886 |
| Return on Equity (ROE) | 13.8400% | 1,472 |
| Retained earnings to average equity (ytd only) | -4.9358% | 4,599 |
| Net charge-offs to loans | -0.0076% | 3,604 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.8043% | 3,405 |
| Assets per employee ($millions) | 11.6580% | 428 |
| Cash dividends to net income (ytd only)* | 135.6757% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 1,260 |
| Loan loss allowance to noncurrent loans | 112.5512% | 3,274 |
| Noncurrent assets plus other real estate owned to assets | 0.7859% | 636 |
| Noncurrent loans to loans | 1.3435% | 543 |
| Net loans and leases to total assets | 57.6100% | 2,748 |
| Net loans and leases to deposits | 64.5764% | 2,818 |
| Net loans and leases to core deposits | 75.7169% | 2,217 |
| Total domestic deposits to total assets | 89.2200% | 1,992 |
| Equity capital to assets | 8.1435% | 2,803 |
| Core capital (leverage) ratio | 11.2084% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $95,457,750 | 3,994 |
| Average earning assets | $90,319,500 | 3,957 |
| Average equity | $8,914,250 | 4,044 |
| Average total loans | $52,505,250 | 3,875 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2807% | 2,799 |
| Cost of funding earning assets | 0.5453% | 403 |
| Net interest margin | 2.7354% | 3,627 |
| Noninterest income to average assets | 0.2225% | 3,865 |
| Noninterest expense to average assets | 1.6447% | 4,228 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8988% | 2,588 |
| Return on assets (ROA) | 0.9086% | 2,518 |
| Pretax return on assets | 1.1768% | 2,144 |
| Return on Equity (ROE) | 9.3436% | 2,582 |
| Retained earnings to average equity (ytd only) | -15.6724% | 4,705 |
| Net charge-offs to loans | -0.0077% | 3,487 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5492% | 3,482 |
| Assets per employee ($millions) | 10.6854% | 538 |
| Cash dividends to net income (ytd only)* | 267.7346% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1874% | 388 |
| Loan loss allowance to noncurrent loans | 112.0308% | 3,298 |
| Noncurrent assets plus other real estate owned to assets | 1.0804% | 420 |
| Noncurrent loans to loans | 1.9525% | 334 |
| Net loans and leases to total assets | 54.1245% | 2,949 |
| Net loans and leases to deposits | 59.0790% | 3,125 |
| Net loans and leases to core deposits | 69.1643% | 2,552 |
| Total domestic deposits to total assets | 91.6137% | 999 |
| Equity capital to assets | 7.9350% | 3,169 |
| Core capital (leverage) ratio | 10.5945% | 1,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,189,000 | 4,027 |
| Average earning assets | $90,955,000 | 4,004 |
| Average equity | $9,354,000 | 4,067 |
| Average total loans | $51,820,667 | 3,933 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0846% | 3,023 |
| Cost of funding earning assets | 0.5288% | 425 |
| Net interest margin | 2.5558% | 3,774 |
| Noninterest income to average assets | 0.2495% | 3,652 |
| Noninterest expense to average assets | 1.6300% | 4,249 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7986% | 2,663 |
| Return on assets (ROA) | 0.8150% | 2,604 |
| Pretax return on assets | 1.0520% | 2,290 |
| Return on Equity (ROE) | 7.6746% | 2,815 |
| Retained earnings to average equity (ytd only) | -34.8098% | 4,759 |
| Net charge-offs to loans | -0.0078% | 3,497 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2500% | 3,351 |
| Assets per employee ($millions) | 10.8883% | 532 |
| Cash dividends to net income (ytd only)* | 553.5714% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2428% | 410 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 51.7281% | 3,010 |
| Net loans and leases to deposits | 57.2463% | 3,154 |
| Net loans and leases to core deposits | 66.5865% | 2,572 |
| Total domestic deposits to total assets | 90.3607% | 1,351 |
| Equity capital to assets | 9.2178% | 2,513 |
| Core capital (leverage) ratio | 10.7793% | 1,635 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,199,000 | 4,044 |
| Average earning assets | $90,773,500 | 4,016 |
| Average equity | $10,215,500 | 4,027 |
| Average total loans | $51,123,500 | 3,957 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1206% | 3,644 |
| Cost of funding earning assets | 0.6235% | 484 |
| Net interest margin | 2.4972% | 4,192 |
| Noninterest income to average assets | 0.3608% | 3,274 |
| Noninterest expense to average assets | 1.5689% | 4,462 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9047% | 3,022 |
| Return on assets (ROA) | 0.9114% | 3,064 |
| Pretax return on assets | 1.1651% | 2,776 |
| Return on Equity (ROE) | 7.5996% | 3,350 |
| Retained earnings to average equity (ytd only) | 3.0521% | 3,611 |
| Net charge-offs to loans | -0.0021% | 3,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5606% | 3,509 |
| Assets per employee ($millions) | 10.4892% | 583 |
| Cash dividends to net income (ytd only)* | 59.8389% | 1,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3059% | 379 |
| Loan loss allowance to noncurrent loans | 236.1789% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.5212% | 1,286 |
| Noncurrent loans to loans | 0.9763% | 1,021 |
| Net loans and leases to total assets | 52.1498% | 3,047 |
| Net loans and leases to deposits | 60.0195% | 3,067 |
| Net loans and leases to core deposits | 68.1974% | 2,630 |
| Total domestic deposits to total assets | 86.8881% | 2,566 |
| Equity capital to assets | 12.0738% | 1,222 |
| Core capital (leverage) ratio | 11.9930% | 1,086 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,353,000 | 4,038 |
| Average earning assets | $90,302,800 | 4,018 |
| Average equity | $11,434,800 | 3,987 |
| Average total loans | $48,503,800 | 4,029 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1422% | 3,716 |
| Cost of funding earning assets | 0.6420% | 512 |
| Net interest margin | 2.5001% | 4,276 |
| Noninterest income to average assets | 0.4073% | 3,050 |
| Noninterest expense to average assets | 1.5733% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9327% | 3,141 |
| Return on assets (ROA) | 0.9415% | 3,198 |
| Pretax return on assets | 1.2023% | 2,921 |
| Return on Equity (ROE) | 7.8642% | 3,443 |
| Retained earnings to average equity (ytd only) | 3.3204% | 3,795 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9122% | 3,427 |
| Assets per employee ($millions) | 10.6739% | 529 |
| Cash dividends to net income (ytd only)* | 57.7778% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4675% | 302 |
| Loan loss allowance to noncurrent loans | 224.1313% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.5392% | 1,412 |
| Noncurrent loans to loans | 1.1009% | 1,019 |
| Net loans and leases to total assets | 47.7697% | 3,646 |
| Net loans and leases to deposits | 54.6297% | 3,686 |
| Net loans and leases to core deposits | 61.8489% | 3,336 |
| Total domestic deposits to total assets | 87.4429% | 2,137 |
| Equity capital to assets | 12.0700% | 1,370 |
| Core capital (leverage) ratio | 11.9814% | 1,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,590,500 | 4,089 |
| Average earning assets | $90,126,500 | 4,063 |
| Average equity | $11,444,000 | 4,040 |
| Average total loans | $48,031,500 | 4,087 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1544% | 3,761 |
| Cost of funding earning assets | 0.6636% | 533 |
| Net interest margin | 2.4908% | 4,320 |
| Noninterest income to average assets | 0.5072% | 2,595 |
| Noninterest expense to average assets | 1.5676% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0206% | 2,825 |
| Return on assets (ROA) | 1.0206% | 2,902 |
| Pretax return on assets | 1.2993% | 2,630 |
| Return on Equity (ROE) | 8.5486% | 3,246 |
| Retained earnings to average equity (ytd only) | 3.9847% | 3,523 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6784% | 3,719 |
| Assets per employee ($millions) | 10.4754% | 528 |
| Cash dividends to net income (ytd only)* | 53.3881% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6108% | 242 |
| Loan loss allowance to noncurrent loans | 11,610.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 4,227 |
| Noncurrent loans to loans | 0.0225% | 4,109 |
| Net loans and leases to total assets | 45.9360% | 3,912 |
| Net loans and leases to deposits | 52.7863% | 3,947 |
| Net loans and leases to core deposits | 60.2253% | 3,605 |
| Total domestic deposits to total assets | 87.0226% | 2,306 |
| Equity capital to assets | 12.1660% | 1,290 |
| Core capital (leverage) ratio | 11.6479% | 1,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,432,333 | 4,115 |
| Average earning assets | $90,412,333 | 4,082 |
| Average equity | $11,393,667 | 4,055 |
| Average total loans | $48,358,333 | 4,113 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1427% | 3,797 |
| Cost of funding earning assets | 0.6849% | 578 |
| Net interest margin | 2.4578% | 4,356 |
| Noninterest income to average assets | 0.5833% | 2,281 |
| Noninterest expense to average assets | 1.5707% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0999% | 2,478 |
| Return on assets (ROA) | 1.0999% | 2,553 |
| Pretax return on assets | 1.3749% | 2,350 |
| Return on Equity (ROE) | 9.2995% | 2,923 |
| Retained earnings to average equity (ytd only) | 4.7202% | 3,310 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3239% | 3,877 |
| Assets per employee ($millions) | 9.7620% | 640 |
| Cash dividends to net income (ytd only)* | 49.2424% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3720% | 321 |
| Loan loss allowance to noncurrent loans | 116,100.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 4,412 |
| Noncurrent loans to loans | 0.0020% | 4,325 |
| Net loans and leases to total assets | 48.9510% | 3,714 |
| Net loans and leases to deposits | 58.3012% | 3,623 |
| Net loans and leases to core deposits | 66.1133% | 3,232 |
| Total domestic deposits to total assets | 83.9623% | 3,451 |
| Equity capital to assets | 11.4690% | 1,559 |
| Core capital (leverage) ratio | 11.6263% | 1,339 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,009,000 | 4,118 |
| Average earning assets | $92,277,000 | 4,072 |
| Average equity | $11,355,500 | 4,071 |
| Average total loans | $50,303,000 | 4,099 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8180% | 3,252 |
| Cost of funding earning assets | 0.9328% | 758 |
| Net interest margin | 2.8852% | 4,134 |
| Noninterest income to average assets | 0.2496% | 3,993 |
| Noninterest expense to average assets | 1.6432% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0311% | 2,174 |
| Return on assets (ROA) | 1.0814% | 2,121 |
| Pretax return on assets | 1.4001% | 1,655 |
| Return on Equity (ROE) | 9.0185% | 2,384 |
| Retained earnings to average equity (ytd only) | 4.3336% | 2,635 |
| Net charge-offs to loans | 0.3461% | 504 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 6.5798% | 2,767 |
| Efficiency ratio | 55.1487% | 4,080 |
| Assets per employee ($millions) | 9.4398% | 640 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2474% | 374 |
| Loan loss allowance to noncurrent loans | 10,554.5455% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0117% | 4,364 |
| Noncurrent loans to loans | 0.0213% | 4,248 |
| Net loans and leases to total assets | 53.4948% | 3,533 |
| Net loans and leases to deposits | 64.4403% | 3,402 |
| Net loans and leases to core deposits | 73.7682% | 2,931 |
| Total domestic deposits to total assets | 83.0145% | 3,408 |
| Equity capital to assets | 12.1984% | 1,478 |
| Core capital (leverage) ratio | 11.4979% | 1,475 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,562,800 | 4,091 |
| Average earning assets | $87,585,000 | 4,060 |
| Average equity | $11,099,400 | 4,065 |
| Average total loans | $54,319,400 | 4,015 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 3,176 |
| Cost of funding earning assets | 0.9802% | 817 |
| Net interest margin | 2.9452% | 4,097 |
| Noninterest income to average assets | 0.2606% | 3,914 |
| Noninterest expense to average assets | 1.6865% | 4,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0454% | 2,172 |
| Return on assets (ROA) | 1.1118% | 2,066 |
| Pretax return on assets | 1.4375% | 1,611 |
| Return on Equity (ROE) | 9.3127% | 2,278 |
| Retained earnings to average equity (ytd only) | 4.5836% | 2,755 |
| Net charge-offs to loans | 0.4559% | 332 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 4.9734% | 2,774 |
| Efficiency ratio | 55.4762% | 3,985 |
| Assets per employee ($millions) | 9.4220% | 614 |
| Cash dividends to net income (ytd only)* | 50.7813% | 1,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 410 |
| Loan loss allowance to noncurrent loans | 116,100.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,533 |
| Noncurrent loans to loans | 0.0018% | 4,459 |
| Net loans and leases to total assets | 57.1567% | 3,507 |
| Net loans and leases to deposits | 68.8217% | 3,406 |
| Net loans and leases to core deposits | 79.0549% | 2,919 |
| Total domestic deposits to total assets | 83.0503% | 3,137 |
| Equity capital to assets | 12.1089% | 1,616 |
| Core capital (leverage) ratio | 11.4632% | 1,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $92,104,000 | 4,095 |
| Average earning assets | $86,919,500 | 4,072 |
| Average equity | $10,995,500 | 4,084 |
| Average total loans | $54,984,500 | 4,024 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 3,389 |
| Cost of funding earning assets | 1.0339% | 887 |
| Net interest margin | 2.9411% | 4,239 |
| Noninterest income to average assets | 0.2560% | 3,938 |
| Noninterest expense to average assets | 1.6871% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0279% | 2,227 |
| Return on assets (ROA) | 1.1247% | 2,007 |
| Pretax return on assets | 1.4552% | 1,571 |
| Return on Equity (ROE) | 9.4680% | 2,167 |
| Retained earnings to average equity (ytd only) | 4.6787% | 2,620 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8696% | 3,959 |
| Assets per employee ($millions) | 8.5943% | 782 |
| Cash dividends to net income (ytd only)* | 50.5837% | 1,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4916% | 226 |
| Loan loss allowance to noncurrent loans | 196.0756% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.7278% | 1,690 |
| Noncurrent loans to loans | 1.2707% | 1,226 |
| Net loans and leases to total assets | 55.8437% | 3,700 |
| Net loans and leases to deposits | 67.0805% | 3,638 |
| Net loans and leases to core deposits | 76.6816% | 3,233 |
| Total domestic deposits to total assets | 83.2489% | 3,013 |
| Equity capital to assets | 11.9540% | 1,692 |
| Core capital (leverage) ratio | 11.6243% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,398,667 | 4,106 |
| Average earning assets | $85,887,333 | 4,083 |
| Average equity | $10,857,667 | 4,106 |
| Average total loans | $54,974,667 | 4,035 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 3,146 |
| Cost of funding earning assets | 1.1243% | 974 |
| Net interest margin | 3.0966% | 4,105 |
| Noninterest income to average assets | 0.2716% | 3,909 |
| Noninterest expense to average assets | 1.7277% | 4,745 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0958% | 1,856 |
| Return on assets (ROA) | 1.2646% | 1,437 |
| Pretax return on assets | 1.6520% | 944 |
| Return on Equity (ROE) | 10.6807% | 1,505 |
| Retained earnings to average equity (ytd only) | 5.7917% | 1,959 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5710% | 4,352 |
| Assets per employee ($millions) | 8.8397% | 561 |
| Cash dividends to net income (ytd only)* | 45.7746% | 1,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5260% | 235 |
| Loan loss allowance to noncurrent loans | 67,450.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,639 |
| Noncurrent loans to loans | 0.0037% | 4,565 |
| Net loans and leases to total assets | 58.8889% | 3,603 |
| Net loans and leases to deposits | 67.4196% | 3,767 |
| Net loans and leases to core deposits | 77.2344% | 3,407 |
| Total domestic deposits to total assets | 87.3469% | 1,405 |
| Equity capital to assets | 11.9993% | 2,072 |
| Core capital (leverage) ratio | 11.9748% | 1,757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,829,500 | 4,121 |
| Average earning assets | $83,964,000 | 4,107 |
| Average equity | $10,636,000 | 4,156 |
| Average total loans | $55,391,000 | 4,044 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3120% | 3,504 |
| Cost of funding earning assets | 1.1397% | 1,193 |
| Net interest margin | 3.1723% | 4,247 |
| Noninterest income to average assets | 0.2851% | 3,978 |
| Noninterest expense to average assets | 1.8220% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1374% | 2,296 |
| Return on assets (ROA) | 1.1392% | 2,396 |
| Pretax return on assets | 1.4637% | 1,923 |
| Return on Equity (ROE) | 9.4748% | 2,533 |
| Retained earnings to average equity (ytd only) | -0.0843% | 4,714 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4907% | 4,270 |
| Assets per employee ($millions) | 8.2965% | 642 |
| Cash dividends to net income (ytd only)* | 100.8902% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3511% | 262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 61.3925% | 3,461 |
| Net loans and leases to deposits | 70.0858% | 3,664 |
| Net loans and leases to core deposits | 80.1648% | 3,282 |
| Total domestic deposits to total assets | 87.5962% | 1,318 |
| Equity capital to assets | 11.6861% | 2,361 |
| Core capital (leverage) ratio | 11.6642% | 1,987 |
| Tier 1 risk-based capital ratio | 15.8502% | 2,460 |
| Total risk-based capital ratio | 17.1097% | 2,400 |
| Memoranda: | ||
| Average total assets | $88,746,200 | 4,165 |
| Average earning assets | $83,881,800 | 4,127 |
| Average equity | $10,670,400 | 4,161 |
| Average total loans | $56,394,400 | 4,044 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2858% | 3,701 |
| Cost of funding earning assets | 1.1260% | 1,257 |
| Net interest margin | 3.1598% | 4,380 |
| Noninterest income to average assets | 0.2860% | 4,021 |
| Noninterest expense to average assets | 1.8187% | 4,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1472% | 2,382 |
| Return on assets (ROA) | 1.1484% | 2,467 |
| Pretax return on assets | 1.4707% | 2,044 |
| Return on Equity (ROE) | 9.4827% | 2,680 |
| Retained earnings to average equity (ytd only) | 4.6102% | 3,097 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3152% | 4,238 |
| Assets per employee ($millions) | 8.1754% | 649 |
| Cash dividends to net income (ytd only)* | 51.3839% | 1,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3451% | 270 |
| Loan loss allowance to noncurrent loans | 4,215.6250% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0356% | 4,543 |
| Noncurrent loans to loans | 0.0556% | 4,389 |
| Net loans and leases to total assets | 62.4659% | 3,448 |
| Net loans and leases to deposits | 72.6883% | 3,580 |
| Net loans and leases to core deposits | 84.3963% | 3,058 |
| Total domestic deposits to total assets | 85.9367% | 2,021 |
| Equity capital to assets | 12.2719% | 2,058 |
| Core capital (leverage) ratio | 12.1958% | 1,737 |
| Tier 1 risk-based capital ratio | 16.3260% | 2,325 |
| Total risk-based capital ratio | 17.5857% | 2,254 |
| Memoranda: | ||
| Average total assets | $88,117,250 | 4,224 |
| Average earning assets | $83,716,000 | 4,181 |
| Average equity | $10,671,750 | 4,204 |
| Average total loans | $56,148,750 | 4,099 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2549% | 3,774 |
| Cost of funding earning assets | 1.0986% | 1,310 |
| Net interest margin | 3.1564% | 4,446 |
| Noninterest income to average assets | 0.3017% | 3,913 |
| Noninterest expense to average assets | 1.8443% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1432% | 2,356 |
| Return on assets (ROA) | 1.1450% | 2,422 |
| Pretax return on assets | 1.4603% | 1,992 |
| Return on Equity (ROE) | 9.4973% | 2,634 |
| Retained earnings to average equity (ytd only) | 4.5686% | 2,991 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8478% | 4,263 |
| Assets per employee ($millions) | 7.3533% | 864 |
| Cash dividends to net income (ytd only)* | 51.8962% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3728% | 265 |
| Loan loss allowance to noncurrent loans | 4,215.6250% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 4,584 |
| Noncurrent loans to loans | 0.0563% | 4,432 |
| Net loans and leases to total assets | 62.9008% | 3,464 |
| Net loans and leases to deposits | 74.7455% | 3,451 |
| Net loans and leases to core deposits | 86.9544% | 2,890 |
| Total domestic deposits to total assets | 84.1533% | 2,797 |
| Equity capital to assets | 12.3381% | 1,948 |
| Core capital (leverage) ratio | 12.3359% | 1,617 |
| Tier 1 risk-based capital ratio | 16.1441% | 2,347 |
| Total risk-based capital ratio | 17.4031% | 2,293 |
| Memoranda: | ||
| Average total assets | $87,513,330 | 4,257 |
| Average earning assets | $83,197,330 | 4,214 |
| Average equity | $10,550,330 | 4,229 |
| Average total loans | $55,690,330 | 4,128 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 3,680 |
| Cost of funding earning assets | 1.0729% | 1,280 |
| Net interest margin | 3.1849% | 4,420 |
| Noninterest income to average assets | 0.3075% | 3,816 |
| Noninterest expense to average assets | 1.8772% | 4,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1520% | 2,253 |
| Return on assets (ROA) | 1.1520% | 2,305 |
| Pretax return on assets | 1.4550% | 1,904 |
| Return on Equity (ROE) | 9.6706% | 2,509 |
| Retained earnings to average equity (ytd only) | 4.6619% | 3,053 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3361% | 4,285 |
| Assets per employee ($millions) | 7.2134% | 913 |
| Cash dividends to net income (ytd only)* | 51.7928% | 1,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4723% | 256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 61.4769% | 3,553 |
| Net loans and leases to deposits | 70.5713% | 3,731 |
| Net loans and leases to core deposits | 81.7058% | 3,205 |
| Total domestic deposits to total assets | 87.1131% | 1,748 |
| Equity capital to assets | 12.1729% | 1,921 |
| Core capital (leverage) ratio | 12.1209% | 1,703 |
| Tier 1 risk-based capital ratio | 15.9376% | 2,465 |
| Total risk-based capital ratio | 17.1971% | 2,399 |
| Memoranda: | ||
| Average total assets | $87,150,500 | 4,310 |
| Average earning assets | $82,765,000 | 4,267 |
| Average equity | $10,382,000 | 4,275 |
| Average total loans | $55,109,500 | 4,184 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 3,757 |
| Cost of funding earning assets | 0.9186% | 1,030 |
| Net interest margin | 3.1769% | 4,527 |
| Noninterest income to average assets | 1.0194% | 909 |
| Noninterest expense to average assets | 1.7131% | 5,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.9768% | 380 |
| Return on assets (ROA) | 1.9748% | 378 |
| Pretax return on assets | 2.2960% | 297 |
| Return on Equity (ROE) | 17.5410% | 436 |
| Retained earnings to average equity (ytd only) | 7.1869% | 1,585 |
| Net charge-offs to loans | 0.0269% | 2,876 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 134.0667% | 603 |
| Efficiency ratio | 42.7066% | 5,221 |
| Assets per employee ($millions) | 7.9764% | 660 |
| Cash dividends to net income (ytd only)* | 59.0278% | 1,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4239% | 248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 61.8942% | 3,576 |
| Net loans and leases to deposits | 70.6842% | 3,771 |
| Net loans and leases to core deposits | 82.7444% | 3,202 |
| Total domestic deposits to total assets | 87.5644% | 1,500 |
| Equity capital to assets | 11.6560% | 2,134 |
| Core capital (leverage) ratio | 11.7327% | 1,926 |
| Tier 1 risk-based capital ratio | 15.5677% | 2,585 |
| Total risk-based capital ratio | 16.8270% | 2,509 |
| Memoranda: | ||
| Average total assets | $87,500,800 | 4,306 |
| Average earning assets | $82,408,000 | 4,271 |
| Average equity | $9,851,200 | 4,322 |
| Average total loans | $55,852,200 | 4,190 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 3,813 |
| Cost of funding earning assets | 0.8854% | 980 |
| Net interest margin | 3.1558% | 4,605 |
| Noninterest income to average assets | 0.3233% | 3,983 |
| Noninterest expense to average assets | 1.6010% | 5,204 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3449% | 1,683 |
| Return on assets (ROA) | 1.3449% | 1,696 |
| Pretax return on assets | 1.6895% | 1,301 |
| Return on Equity (ROE) | 12.0523% | 1,774 |
| Retained earnings to average equity (ytd only) | 6.7230% | 2,272 |
| Net charge-offs to loans | 0.0358% | 2,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 73.8650% | 920 |
| Efficiency ratio | 48.6562% | 5,019 |
| Assets per employee ($millions) | 8.8578% | 469 |
| Cash dividends to net income (ytd only)* | 44.2180% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3564% | 285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 63.1082% | 3,528 |
| Net loans and leases to deposits | 72.3943% | 3,741 |
| Net loans and leases to core deposits | 84.6700% | 3,105 |
| Total domestic deposits to total assets | 87.1729% | 1,657 |
| Equity capital to assets | 11.1190% | 2,549 |
| Core capital (leverage) ratio | 11.5882% | 2,103 |
| Tier 1 risk-based capital ratio | 14.7692% | 2,984 |
| Total risk-based capital ratio | 16.0279% | 2,906 |
| Memoranda: | ||
| Average total assets | $87,441,000 | 4,359 |
| Average earning assets | $82,216,250 | 4,323 |
| Average equity | $9,757,250 | 4,373 |
| Average total loans | $55,901,500 | 4,235 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9712% | 3,872 |
| Cost of funding earning assets | 0.8304% | 1,001 |
| Net interest margin | 3.1408% | 4,642 |
| Noninterest income to average assets | 0.3239% | 4,023 |
| Noninterest expense to average assets | 1.6287% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3163% | 1,711 |
| Return on assets (ROA) | 1.3163% | 1,710 |
| Pretax return on assets | 1.6494% | 1,341 |
| Return on Equity (ROE) | 11.7820% | 1,808 |
| Retained earnings to average equity (ytd only) | 6.4359% | 2,344 |
| Net charge-offs to loans | 0.0541% | 1,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 47.8667% | 1,154 |
| Efficiency ratio | 49.6847% | 5,041 |
| Assets per employee ($millions) | 7.5131% | 761 |
| Cash dividends to net income (ytd only)* | 45.3752% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3531% | 293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 62.0917% | 3,588 |
| Net loans and leases to deposits | 72.8261% | 3,648 |
| Net loans and leases to core deposits | 84.2501% | 3,061 |
| Total domestic deposits to total assets | 85.2602% | 2,575 |
| Equity capital to assets | 10.8533% | 2,779 |
| Core capital (leverage) ratio | 11.5169% | 2,060 |
| Tier 1 risk-based capital ratio | 14.4359% | 3,147 |
| Total risk-based capital ratio | 15.6939% | 3,058 |
| Memoranda: | ||
| Average total assets | $87,062,000 | 4,398 |
| Average earning assets | $81,890,330 | 4,367 |
| Average equity | $9,726,670 | 4,421 |
| Average total loans | $55,452,330 | 4,272 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8732% | 4,009 |
| Cost of funding earning assets | 0.7816% | 1,033 |
| Net interest margin | 3.0916% | 4,717 |
| Noninterest income to average assets | 0.3228% | 3,996 |
| Noninterest expense to average assets | 1.6184% | 5,315 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2863% | 1,689 |
| Return on assets (ROA) | 1.2863% | 1,694 |
| Pretax return on assets | 1.6091% | 1,370 |
| Return on Equity (ROE) | 11.3431% | 1,837 |
| Retained earnings to average equity (ytd only) | 5.9809% | 2,714 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1449% | 5,075 |
| Assets per employee ($millions) | 7.1348% | 914 |
| Cash dividends to net income (ytd only)* | 47.2727% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5918% | 232 |
| Loan loss allowance to noncurrent loans | 146.3023% | 2,788 |
| Noncurrent assets plus other real estate owned to assets | 1.0897% | 1,429 |
| Noncurrent loans to loans | 1.7715% | 963 |
| Net loans and leases to total assets | 59.9185% | 3,754 |
| Net loans and leases to deposits | 68.8576% | 3,890 |
| Net loans and leases to core deposits | 76.1007% | 3,661 |
| Total domestic deposits to total assets | 87.0179% | 2,111 |
| Equity capital to assets | 11.2768% | 2,325 |
| Core capital (leverage) ratio | 11.7010% | 1,849 |
| Tier 1 risk-based capital ratio | 15.1462% | 2,809 |
| Total risk-based capital ratio | 16.4066% | 2,737 |
| Memoranda: | ||
| Average total assets | $85,514,500 | 4,466 |
| Average earning assets | $80,347,000 | 4,441 |
| Average equity | $9,697,500 | 4,468 |
| Average total loans | $54,514,000 | 4,337 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8582% | 3,858 |
| Cost of funding earning assets | 0.6984% | 1,028 |
| Net interest margin | 3.1597% | 4,549 |
| Noninterest income to average assets | 0.3476% | 3,977 |
| Noninterest expense to average assets | 1.5715% | 5,436 |
| Loan and lease loss provision to assets | 0.0201% | 3,898 |
| Net operating income to assets | 1.0484% | 2,056 |
| Return on assets (ROA) | 1.0484% | 2,087 |
| Pretax return on assets | 1.7090% | 980 |
| Return on Equity (ROE) | 9.7301% | 2,004 |
| Retained earnings to average equity (ytd only) | 4.3360% | 2,553 |
| Net charge-offs to loans | 0.7002% | 304 |
| Credit loss provision to net charge-offs | 4.3796% | 3,691 |
| Earnings coverage of net charge-offs (x) | 3.7640% | 3,562 |
| Efficiency ratio | 47.6126% | 5,339 |
| Assets per employee ($millions) | 7.7646% | 690 |
| Cash dividends to net income (ytd only)* | 55.4371% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4218% | 271 |
| Loan loss allowance to noncurrent loans | 142.7824% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1193% | 1,338 |
| Noncurrent loans to loans | 1.6962% | 967 |
| Net loans and leases to total assets | 64.3910% | 3,316 |
| Net loans and leases to deposits | 74.1309% | 3,514 |
| Net loans and leases to core deposits | 81.3613% | 3,301 |
| Total domestic deposits to total assets | 86.8612% | 2,062 |
| Equity capital to assets | 11.4037% | 2,281 |
| Core capital (leverage) ratio | 11.4252% | 1,996 |
| Tier 1 risk-based capital ratio | 14.1897% | 3,264 |
| Total risk-based capital ratio | 15.4478% | 3,155 |
| Memoranda: | ||
| Average total assets | $89,468,600 | 4,433 |
| Average earning assets | $83,614,400 | 4,408 |
| Average equity | $9,640,200 | 4,505 |
| Average total loans | $58,695,200 | 4,233 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8583% | 3,798 |
| Cost of funding earning assets | 0.6896% | 1,015 |
| Net interest margin | 3.1687% | 4,537 |
| Noninterest income to average assets | 0.3566% | 3,984 |
| Noninterest expense to average assets | 1.5841% | 5,464 |
| Loan and lease loss provision to assets | 0.0265% | 3,599 |
| Net operating income to assets | 1.2127% | 1,640 |
| Return on assets (ROA) | 1.2127% | 1,670 |
| Pretax return on assets | 1.7049% | 1,112 |
| Return on Equity (ROE) | 11.4122% | 1,524 |
| Retained earnings to average equity (ytd only) | 6.0042% | 2,236 |
| Net charge-offs to loans | -0.0045% | 4,438 |
| Credit loss provision to net charge-offs | -900.0000% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7778% | 5,355 |
| Assets per employee ($millions) | 7.1308% | 902 |
| Cash dividends to net income (ytd only)* | 47.3877% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2733% | 114 |
| Loan loss allowance to noncurrent loans | 128.4888% | 3,095 |
| Noncurrent assets plus other real estate owned to assets | 1.6162% | 915 |
| Noncurrent loans to loans | 2.5476% | 586 |
| Net loans and leases to total assets | 61.3657% | 3,736 |
| Net loans and leases to deposits | 70.7320% | 3,900 |
| Net loans and leases to core deposits | 77.9265% | 3,637 |
| Total domestic deposits to total assets | 86.7581% | 1,972 |
| Equity capital to assets | 11.5626% | 2,307 |
| Core capital (leverage) ratio | 10.7804% | 2,662 |
| Tier 1 risk-based capital ratio | 14.5627% | 3,148 |
| Total risk-based capital ratio | 15.8294% | 3,060 |
| Memoranda: | ||
| Average total assets | $90,483,000 | 4,460 |
| Average earning assets | $84,491,250 | 4,430 |
| Average equity | $9,615,250 | 4,553 |
| Average total loans | $59,278,500 | 4,262 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7556% | 4,055 |
| Cost of funding earning assets | 0.6505% | 1,138 |
| Net interest margin | 3.1050% | 4,667 |
| Noninterest income to average assets | 0.3691% | 3,915 |
| Noninterest expense to average assets | 1.5718% | 5,516 |
| Loan and lease loss provision to assets | 0.0391% | 3,234 |
| Net operating income to assets | 1.2006% | 1,597 |
| Return on assets (ROA) | 1.2006% | 1,631 |
| Pretax return on assets | 1.6804% | 1,101 |
| Return on Equity (ROE) | 11.6148% | 1,419 |
| Retained earnings to average equity (ytd only) | 6.1540% | 2,033 |
| Net charge-offs to loans | -0.0066% | 4,406 |
| Credit loss provision to net charge-offs | -900.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7573% | 5,402 |
| Assets per employee ($millions) | 7.5706% | 717 |
| Cash dividends to net income (ytd only)* | 47.0163% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8437% | 191 |
| Loan loss allowance to noncurrent loans | 5,384.8485% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0363% | 5,115 |
| Noncurrent loans to loans | 0.0528% | 4,924 |
| Net loans and leases to total assets | 66.8277% | 2,984 |
| Net loans and leases to deposits | 78.4785% | 3,070 |
| Net loans and leases to core deposits | 85.6025% | 2,919 |
| Total domestic deposits to total assets | 85.1542% | 2,754 |
| Equity capital to assets | 10.7709% | 3,057 |
| Core capital (leverage) ratio | 10.6965% | 2,703 |
| Tier 1 risk-based capital ratio | 12.8713% | 4,082 |
| Total risk-based capital ratio | 14.1355% | 3,985 |
| Memoranda: | ||
| Average total assets | $92,121,000 | 4,460 |
| Average earning assets | $86,698,330 | 4,425 |
| Average equity | $9,522,330 | 4,589 |
| Average total loans | $60,942,330 | 4,244 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6947% | 4,133 |
| Cost of funding earning assets | 0.6288% | 1,195 |
| Net interest margin | 3.0659% | 4,748 |
| Noninterest income to average assets | 0.4399% | 3,377 |
| Noninterest expense to average assets | 1.5740% | 5,581 |
| Loan and lease loss provision to assets | 0.0388% | 3,021 |
| Net operating income to assets | 1.2204% | 1,462 |
| Return on assets (ROA) | 1.2204% | 1,497 |
| Pretax return on assets | 1.7077% | 991 |
| Return on Equity (ROE) | 12.0541% | 1,220 |
| Retained earnings to average equity (ytd only) | 6.5169% | 2,070 |
| Net charge-offs to loans | -0.0133% | 4,537 |
| Credit loss provision to net charge-offs | -450.0000% | 4,225 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4026% | 5,490 |
| Assets per employee ($millions) | 7.3603% | 800 |
| Cash dividends to net income (ytd only)* | 45.9364% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0107% | 172 |
| Loan loss allowance to noncurrent loans | 2,266.6667% | 319 |
| Noncurrent assets plus other real estate owned to assets | 0.0883% | 4,923 |
| Noncurrent loans to loans | 0.1328% | 4,658 |
| Net loans and leases to total assets | 64.4853% | 3,200 |
| Net loans and leases to deposits | 75.4124% | 3,264 |
| Net loans and leases to core deposits | 81.1004% | 3,186 |
| Total domestic deposits to total assets | 85.5102% | 2,883 |
| Equity capital to assets | 10.7366% | 2,918 |
| Core capital (leverage) ratio | 10.5887% | 2,806 |
| Tier 1 risk-based capital ratio | 13.2948% | 3,892 |
| Total risk-based capital ratio | 14.5598% | 3,800 |
| Memoranda: | ||
| Average total assets | $92,758,000 | 4,484 |
| Average earning assets | $87,151,500 | 4,457 |
| Average equity | $9,391,000 | 4,642 |
| Average total loans | $60,169,500 | 4,300 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8163% | 3,849 |
| Cost of funding earning assets | 0.6077% | 1,288 |
| Net interest margin | 3.2086% | 4,427 |
| Noninterest income to average assets | 0.3503% | 4,225 |
| Noninterest expense to average assets | 1.5717% | 5,671 |
| Loan and lease loss provision to assets | 0.1318% | 1,892 |
| Net operating income to assets | 1.2238% | 1,425 |
| Return on assets (ROA) | 1.1839% | 1,649 |
| Pretax return on assets | 1.6242% | 1,209 |
| Return on Equity (ROE) | 11.8043% | 1,311 |
| Retained earnings to average equity (ytd only) | 6.2493% | 1,582 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4682% | 5,627 |
| Assets per employee ($millions) | 8.0993% | 582 |
| Cash dividends to net income (ytd only)* | 47.0588% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8516% | 207 |
| Loan loss allowance to noncurrent loans | 4,623.6842% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 5,206 |
| Noncurrent loans to loans | 0.0617% | 4,992 |
| Net loans and leases to total assets | 61.5874% | 3,655 |
| Net loans and leases to deposits | 70.1291% | 3,888 |
| Net loans and leases to core deposits | 83.4386% | 3,080 |
| Total domestic deposits to total assets | 87.8200% | 1,729 |
| Equity capital to assets | 9.5677% | 4,198 |
| Core capital (leverage) ratio | 10.0305% | 3,446 |
| Tier 1 risk-based capital ratio | 12.5196% | 4,366 |
| Total risk-based capital ratio | 13.7827% | 4,251 |
| Memoranda: | ||
| Average total assets | $93,337,400 | 4,485 |
| Average earning assets | $88,200,800 | 4,433 |
| Average equity | $9,361,000 | 4,677 |
| Average total loans | $61,384,200 | 4,247 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 3,672 |
| Cost of funding earning assets | 0.6062% | 1,277 |
| Net interest margin | 3.2692% | 4,282 |
| Noninterest income to average assets | 0.3666% | 4,155 |
| Noninterest expense to average assets | 1.5718% | 5,711 |
| Loan and lease loss provision to assets | 0.1559% | 1,491 |
| Net operating income to assets | 1.2540% | 1,443 |
| Return on assets (ROA) | 1.2572% | 1,531 |
| Pretax return on assets | 1.7335% | 1,028 |
| Return on Equity (ROE) | 12.3852% | 1,208 |
| Retained earnings to average equity (ytd only) | 6.8397% | 1,703 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4697% | 5,691 |
| Assets per employee ($millions) | 7.6900% | 670 |
| Cash dividends to net income (ytd only)* | 44.7765% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9046% | 212 |
| Loan loss allowance to noncurrent loans | 4,469.2308% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 5,307 |
| Noncurrent loans to loans | 0.0650% | 5,094 |
| Net loans and leases to total assets | 63.1404% | 3,503 |
| Net loans and leases to deposits | 72.6500% | 3,737 |
| Net loans and leases to core deposits | 80.1623% | 3,430 |
| Total domestic deposits to total assets | 86.9105% | 1,926 |
| Equity capital to assets | 10.4215% | 3,647 |
| Core capital (leverage) ratio | 9.9215% | 3,669 |
| Tier 1 risk-based capital ratio | 12.5256% | 4,457 |
| Total risk-based capital ratio | 13.7900% | 4,353 |
| Memoranda: | ||
| Average total assets | $92,373,750 | 4,541 |
| Average earning assets | $87,318,250 | 4,485 |
| Average equity | $9,376,500 | 4,725 |
| Average total loans | $61,326,500 | 4,279 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 3,740 |
| Cost of funding earning assets | 0.5860% | 1,427 |
| Net interest margin | 3.2741% | 4,313 |
| Noninterest income to average assets | 0.3853% | 3,986 |
| Noninterest expense to average assets | 1.5822% | 5,772 |
| Loan and lease loss provision to assets | 0.1861% | 1,169 |
| Net operating income to assets | 1.2507% | 1,418 |
| Return on assets (ROA) | 1.2553% | 1,524 |
| Pretax return on assets | 1.7315% | 1,024 |
| Return on Equity (ROE) | 12.4780% | 1,165 |
| Retained earnings to average equity (ytd only) | 6.8844% | 1,672 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2912% | 5,781 |
| Assets per employee ($millions) | 7.7739% | 624 |
| Cash dividends to net income (ytd only)* | 44.8276% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6460% | 299 |
| Loan loss allowance to noncurrent loans | 9,555.5556% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 5,520 |
| Noncurrent loans to loans | 0.0277% | 5,358 |
| Net loans and leases to total assets | 67.8380% | 2,802 |
| Net loans and leases to deposits | 80.3545% | 2,888 |
| Net loans and leases to core deposits | 89.1701% | 2,623 |
| Total domestic deposits to total assets | 84.4233% | 3,116 |
| Equity capital to assets | 10.1997% | 3,978 |
| Core capital (leverage) ratio | 9.7153% | 3,908 |
| Tier 1 risk-based capital ratio | 11.6199% | 5,081 |
| Total risk-based capital ratio | 12.8816% | 4,973 |
| Memoranda: | ||
| Average total assets | $92,405,000 | 4,570 |
| Average earning assets | $87,719,330 | 4,511 |
| Average equity | $9,296,330 | 4,776 |
| Average total loans | $61,765,670 | 4,289 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8185% | 3,879 |
| Cost of funding earning assets | 0.5632% | 1,599 |
| Net interest margin | 3.2553% | 4,381 |
| Noninterest income to average assets | 0.3132% | 4,490 |
| Noninterest expense to average assets | 1.5876% | 5,839 |
| Loan and lease loss provision to assets | 0.1305% | 1,620 |
| Net operating income to assets | 1.2301% | 1,454 |
| Return on assets (ROA) | 1.2396% | 1,534 |
| Pretax return on assets | 1.7007% | 1,067 |
| Return on Equity (ROE) | 12.4088% | 1,182 |
| Retained earnings to average equity (ytd only) | 6.7487% | 2,011 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6156% | 5,786 |
| Assets per employee ($millions) | 7.7079% | 636 |
| Cash dividends to net income (ytd only)* | 45.6140% | 1,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6924% | 316 |
| Loan loss allowance to noncurrent loans | 1,957.6471% | 324 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 5,208 |
| Noncurrent loans to loans | 0.1375% | 4,925 |
| Net loans and leases to total assets | 65.0197% | 3,103 |
| Net loans and leases to deposits | 75.3691% | 3,293 |
| Net loans and leases to core deposits | 79.6810% | 3,348 |
| Total domestic deposits to total assets | 86.2684% | 2,556 |
| Equity capital to assets | 10.0362% | 4,034 |
| Core capital (leverage) ratio | 9.8469% | 3,724 |
| Tier 1 risk-based capital ratio | 11.8382% | 5,022 |
| Total risk-based capital ratio | 13.1002% | 4,917 |
| Memoranda: | ||
| Average total assets | $91,964,000 | 4,615 |
| Average earning assets | $87,364,000 | 4,557 |
| Average equity | $9,187,000 | 4,818 |
| Average total loans | $60,146,500 | 4,364 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8308% | 3,946 |
| Cost of funding earning assets | 0.5654% | 1,629 |
| Net interest margin | 3.2654% | 4,420 |
| Noninterest income to average assets | 0.4021% | 4,019 |
| Noninterest expense to average assets | 1.7244% | 5,819 |
| Loan and lease loss provision to assets | 0.2161% | 961 |
| Net operating income to assets | 1.1480% | 1,742 |
| Return on assets (ROA) | 1.1942% | 1,643 |
| Pretax return on assets | 1.6186% | 1,194 |
| Return on Equity (ROE) | 11.5589% | 1,422 |
| Retained earnings to average equity (ytd only) | -1.5743% | 5,721 |
| Net charge-offs to loans | 0.0331% | 3,550 |
| Credit loss provision to net charge-offs | 1,077.7778% | 312 |
| Earnings coverage of net charge-offs (x) | 88.3889% | 641 |
| Efficiency ratio | 49.3151% | 5,783 |
| Assets per employee ($millions) | 7.6194% | 652 |
| Cash dividends to net income (ytd only)* | 113.6194% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7937% | 282 |
| Loan loss allowance to noncurrent loans | 5,446.6667% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 5,542 |
| Noncurrent loans to loans | 0.0513% | 5,309 |
| Net loans and leases to total assets | 62.1821% | 3,535 |
| Net loans and leases to deposits | 70.6642% | 3,844 |
| Net loans and leases to core deposits | 73.2262% | 4,021 |
| Total domestic deposits to total assets | 87.9967% | 1,634 |
| Equity capital to assets | 9.9428% | 4,029 |
| Core capital (leverage) ratio | 9.6502% | 3,982 |
| Tier 1 risk-based capital ratio | 11.7801% | 5,085 |
| Total risk-based capital ratio | 13.0421% | 4,994 |
| Memoranda: | ||
| Average total assets | $89,768,600 | 4,682 |
| Average earning assets | $85,073,800 | 4,606 |
| Average equity | $9,274,200 | 4,789 |
| Average total loans | $54,401,000 | 4,545 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8241% | 4,015 |
| Cost of funding earning assets | 0.5683% | 1,643 |
| Net interest margin | 3.2557% | 4,502 |
| Noninterest income to average assets | 0.3074% | 4,738 |
| Noninterest expense to average assets | 1.7414% | 5,863 |
| Loan and lease loss provision to assets | 0.1671% | 1,261 |
| Net operating income to assets | 1.1056% | 1,983 |
| Return on assets (ROA) | 1.1520% | 1,889 |
| Pretax return on assets | 1.5474% | 1,544 |
| Return on Equity (ROE) | 11.0441% | 1,691 |
| Retained earnings to average equity (ytd only) | -4.7067% | 6,016 |
| Net charge-offs to loans | 0.0450% | 2,999 |
| Credit loss provision to net charge-offs | 622.2222% | 549 |
| Earnings coverage of net charge-offs (x) | 61.4983% | 902 |
| Efficiency ratio | 51.3193% | 5,694 |
| Assets per employee ($millions) | 7.3577% | 731 |
| Cash dividends to net income (ytd only)* | 142.6159% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9253% | 267 |
| Loan loss allowance to noncurrent loans | 7,390.4762% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 5,670 |
| Noncurrent loans to loans | 0.0396% | 5,456 |
| Net loans and leases to total assets | 58.3326% | 4,099 |
| Net loans and leases to deposits | 67.4370% | 4,245 |
| Net loans and leases to core deposits | 70.0292% | 4,366 |
| Total domestic deposits to total assets | 86.4993% | 2,280 |
| Equity capital to assets | 10.0757% | 4,071 |
| Core capital (leverage) ratio | 9.4665% | 4,345 |
| Tier 1 risk-based capital ratio | 13.5013% | 4,141 |
| Total risk-based capital ratio | 14.7658% | 4,061 |
| Memoranda: | ||
| Average total assets | $89,352,500 | 4,739 |
| Average earning assets | $84,690,000 | 4,673 |
| Average equity | $9,320,000 | 4,843 |
| Average total loans | $53,379,000 | 4,621 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7950% | 4,086 |
| Cost of funding earning assets | 0.5596% | 1,741 |
| Net interest margin | 3.2354% | 4,545 |
| Noninterest income to average assets | 0.3121% | 4,726 |
| Noninterest expense to average assets | 1.7145% | 5,950 |
| Loan and lease loss provision to assets | 0.1137% | 1,938 |
| Net operating income to assets | 1.1527% | 1,772 |
| Return on assets (ROA) | 1.1527% | 1,837 |
| Pretax return on assets | 1.5517% | 1,477 |
| Return on Equity (ROE) | 10.9287% | 1,705 |
| Retained earnings to average equity (ytd only) | 5.9822% | 2,252 |
| Net charge-offs to loans | 0.0673% | 2,424 |
| Credit loss provision to net charge-offs | 283.3333% | 963 |
| Earnings coverage of net charge-offs (x) | 41.5000% | 1,105 |
| Efficiency ratio | 50.7256% | 5,814 |
| Assets per employee ($millions) | 7.6415% | 625 |
| Cash dividends to net income (ytd only)* | 45.2611% | 2,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6765% | 385 |
| Loan loss allowance to noncurrent loans | 6,777.2727% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 5,708 |
| Noncurrent loans to loans | 0.0395% | 5,592 |
| Net loans and leases to total assets | 59.1245% | 3,957 |
| Net loans and leases to deposits | 71.9694% | 3,725 |
| Net loans and leases to core deposits | 75.3419% | 3,819 |
| Total domestic deposits to total assets | 82.1523% | 4,246 |
| Equity capital to assets | 10.3852% | 3,579 |
| Core capital (leverage) ratio | 10.2075% | 3,329 |
| Tier 1 risk-based capital ratio | 13.8650% | 3,995 |
| Total risk-based capital ratio | 15.1269% | 3,926 |
| Memoranda: | ||
| Average total assets | $89,706,000 | 4,774 |
| Average earning assets | $85,058,330 | 4,705 |
| Average equity | $9,461,330 | 4,847 |
| Average total loans | $53,487,000 | 4,659 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8063% | 3,988 |
| Cost of funding earning assets | 0.5662% | 1,693 |
| Net interest margin | 3.2401% | 4,452 |
| Noninterest income to average assets | 0.3382% | 4,489 |
| Noninterest expense to average assets | 1.7089% | 6,002 |
| Loan and lease loss provision to assets | 0.0721% | 2,493 |
| Net operating income to assets | 1.1994% | 1,549 |
| Return on assets (ROA) | 1.1994% | 1,648 |
| Pretax return on assets | 1.6278% | 1,196 |
| Return on Equity (ROE) | 11.2825% | 1,559 |
| Retained earnings to average equity (ytd only) | 6.3199% | 2,329 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1323% | 5,910 |
| Assets per employee ($millions) | 7.3357% | 728 |
| Cash dividends to net income (ytd only)* | 43.9850% | 1,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9248% | 322 |
| Loan loss allowance to noncurrent loans | 3,008.1633% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 5,687 |
| Noncurrent loans to loans | 0.0972% | 5,406 |
| Net loans and leases to total assets | 55.5755% | 4,251 |
| Net loans and leases to deposits | 65.6398% | 4,189 |
| Net loans and leases to core deposits | 68.3249% | 4,302 |
| Total domestic deposits to total assets | 84.6674% | 3,553 |
| Equity capital to assets | 10.8318% | 3,163 |
| Core capital (leverage) ratio | 10.0880% | 3,495 |
| Tier 1 risk-based capital ratio | 14.2051% | 3,880 |
| Total risk-based capital ratio | 15.4674% | 3,798 |
| Memoranda: | ||
| Average total assets | $88,710,000 | 4,843 |
| Average earning assets | $84,071,500 | 4,774 |
| Average equity | $9,430,500 | 4,888 |
| Average total loans | $52,377,000 | 4,721 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8699% | 4,245 |
| Cost of funding earning assets | 0.5839% | 1,914 |
| Net interest margin | 3.2859% | 4,632 |
| Noninterest income to average assets | 0.2294% | 5,484 |
| Noninterest expense to average assets | 1.7838% | 6,089 |
| Loan and lease loss provision to assets | 0.1316% | 1,988 |
| Net operating income to assets | 1.0906% | 2,011 |
| Return on assets (ROA) | 1.0933% | 2,057 |
| Pretax return on assets | 1.4101% | 1,853 |
| Return on Equity (ROE) | 10.5896% | 1,863 |
| Retained earnings to average equity (ytd only) | 6.4846% | 1,651 |
| Net charge-offs to loans | 0.7865% | 448 |
| Credit loss provision to net charge-offs | 29.1237% | 3,850 |
| Earnings coverage of net charge-offs (x) | 3.4046% | 3,898 |
| Efficiency ratio | 53.6979% | 5,865 |
| Assets per employee ($millions) | 6.3851% | 1,129 |
| Cash dividends to net income (ytd only)* | 38.7646% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6822% | 433 |
| Loan loss allowance to noncurrent loans | 1,551.0638% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.1107% | 5,594 |
| Noncurrent loans to loans | 0.1729% | 5,205 |
| Net loans and leases to total assets | 59.1776% | 3,899 |
| Net loans and leases to deposits | 69.0628% | 4,025 |
| Net loans and leases to core deposits | 71.8028% | 4,146 |
| Total domestic deposits to total assets | 85.6866% | 2,991 |
| Equity capital to assets | 10.4327% | 3,571 |
| Core capital (leverage) ratio | 10.3057% | 3,163 |
| Tier 1 risk-based capital ratio | 14.4259% | 3,817 |
| Total risk-based capital ratio | 15.6903% | 3,746 |
| Memoranda: | ||
| Average total assets | $85,883,400 | 4,923 |
| Average earning assets | $80,830,000 | 4,878 |
| Average equity | $8,867,200 | 5,007 |
| Average total loans | $49,332,200 | 4,843 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8881% | 4,214 |
| Cost of funding earning assets | 0.5891% | 1,934 |
| Net interest margin | 3.2991% | 4,607 |
| Noninterest income to average assets | 0.2651% | 5,311 |
| Noninterest expense to average assets | 1.8288% | 6,054 |
| Loan and lease loss provision to assets | 0.1349% | 1,849 |
| Net operating income to assets | 1.0911% | 2,066 |
| Return on assets (ROA) | 1.0948% | 2,123 |
| Pretax return on assets | 1.4069% | 1,982 |
| Return on Equity (ROE) | 10.6328% | 1,934 |
| Retained earnings to average equity (ytd only) | 6.4742% | 2,120 |
| Net charge-offs to loans | 1.0844% | 270 |
| Credit loss provision to net charge-offs | 21.9949% | 3,563 |
| Earnings coverage of net charge-offs (x) | 2.5064% | 3,896 |
| Efficiency ratio | 54.3336% | 5,793 |
| Assets per employee ($millions) | 6.0213% | 1,322 |
| Cash dividends to net income (ytd only)* | 39.1118% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1035% | 321 |
| Loan loss allowance to noncurrent loans | 1,487.5000% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 5,505 |
| Noncurrent loans to loans | 0.2086% | 5,277 |
| Net loans and leases to total assets | 52.8886% | 4,711 |
| Net loans and leases to deposits | 62.9806% | 4,644 |
| Net loans and leases to core deposits | 65.4482% | 4,759 |
| Total domestic deposits to total assets | 83.9759% | 3,779 |
| Equity capital to assets | 10.7832% | 3,201 |
| Core capital (leverage) ratio | 10.3600% | 3,199 |
| Tier 1 risk-based capital ratio | 16.1393% | 2,992 |
| Total risk-based capital ratio | 17.4072% | 2,935 |
| Memoranda: | ||
| Average total assets | $85,006,250 | 4,995 |
| Average earning assets | $79,899,500 | 4,945 |
| Average equity | $8,752,500 | 5,077 |
| Average total loans | $48,075,750 | 4,930 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9160% | 4,071 |
| Cost of funding earning assets | 0.5902% | 1,977 |
| Net interest margin | 3.3259% | 4,482 |
| Noninterest income to average assets | 0.2393% | 5,481 |
| Noninterest expense to average assets | 1.8113% | 6,128 |
| Loan and lease loss provision to assets | 0.1642% | 1,501 |
| Net operating income to assets | 1.0808% | 2,006 |
| Return on assets (ROA) | 1.0863% | 2,046 |
| Pretax return on assets | 1.3913% | 1,923 |
| Return on Equity (ROE) | 10.7176% | 1,838 |
| Retained earnings to average equity (ytd only) | 6.5046% | 2,033 |
| Net charge-offs to loans | 1.6037% | 164 |
| Credit loss provision to net charge-offs | 17.9028% | 3,226 |
| Earnings coverage of net charge-offs (x) | 1.6880% | 3,738 |
| Efficiency ratio | 53.9106% | 5,916 |
| Assets per employee ($millions) | 5.9431% | 1,312 |
| Cash dividends to net income (ytd only)* | 39.3089% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9550% | 402 |
| Loan loss allowance to noncurrent loans | 1,486.3158% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 5,247 |
| Noncurrent loans to loans | 0.1988% | 5,420 |
| Net loans and leases to total assets | 55.7336% | 4,321 |
| Net loans and leases to deposits | 65.8478% | 4,281 |
| Net loans and leases to core deposits | 68.3771% | 4,427 |
| Total domestic deposits to total assets | 84.6400% | 3,665 |
| Equity capital to assets | 10.7700% | 3,124 |
| Core capital (leverage) ratio | 9.9902% | 3,626 |
| Tier 1 risk-based capital ratio | 15.5547% | 3,329 |
| Total risk-based capital ratio | 16.8208% | 3,271 |
| Memoranda: | ||
| Average total assets | $85,242,330 | 5,037 |
| Average earning assets | $79,978,670 | 4,982 |
| Average equity | $8,640,000 | 5,124 |
| Average total loans | $48,763,670 | 4,940 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8572% | 4,261 |
| Cost of funding earning assets | 0.5877% | 2,090 |
| Net interest margin | 3.2695% | 4,673 |
| Noninterest income to average assets | 0.2319% | 5,495 |
| Noninterest expense to average assets | 1.8224% | 6,188 |
| Loan and lease loss provision to assets | 0.1113% | 2,087 |
| Net operating income to assets | 1.0712% | 1,925 |
| Return on assets (ROA) | 1.0712% | 1,993 |
| Pretax return on assets | 1.3679% | 1,856 |
| Return on Equity (ROE) | 10.8969% | 1,720 |
| Retained earnings to average equity (ytd only) | 6.6042% | 2,230 |
| Net charge-offs to loans | -0.0162% | 5,249 |
| Credit loss provision to net charge-offs | -1,200.0000% | 5,372 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1966% | 5,906 |
| Assets per employee ($millions) | 6.7100% | 918 |
| Cash dividends to net income (ytd only)* | 39.3939% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5096% | 266 |
| Loan loss allowance to noncurrent loans | 135.7253% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 1.6611% | 2,129 |
| Noncurrent loans to loans | 2.5858% | 1,333 |
| Net loans and leases to total assets | 55.4396% | 4,218 |
| Net loans and leases to deposits | 67.2031% | 3,946 |
| Net loans and leases to core deposits | 70.4104% | 4,045 |
| Total domestic deposits to total assets | 82.4957% | 4,785 |
| Equity capital to assets | 9.8888% | 3,970 |
| Core capital (leverage) ratio | 9.9203% | 3,676 |
| Tier 1 risk-based capital ratio | 14.5876% | 3,954 |
| Total risk-based capital ratio | 15.8605% | 3,890 |
| Memoranda: | ||
| Average total assets | $86,262,000 | 5,063 |
| Average earning assets | $80,990,500 | 4,999 |
| Average equity | $8,479,500 | 5,186 |
| Average total loans | $49,253,500 | 4,960 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 4,331 |
| Cost of funding earning assets | 0.7053% | 1,773 |
| Net interest margin | 3.2317% | 4,889 |
| Noninterest income to average assets | 0.1830% | 5,993 |
| Noninterest expense to average assets | 1.8016% | 6,315 |
| Loan and lease loss provision to assets | 0.3815% | 800 |
| Net operating income to assets | 0.8652% | 2,948 |
| Return on assets (ROA) | 0.8652% | 3,026 |
| Pretax return on assets | 1.0220% | 3,258 |
| Return on Equity (ROE) | 8.5308% | 2,772 |
| Retained earnings to average equity (ytd only) | 3.0936% | 4,033 |
| Net charge-offs to loans | 0.3278% | 2,036 |
| Credit loss provision to net charge-offs | 212.5828% | 1,085 |
| Earnings coverage of net charge-offs (x) | 7.8212% | 2,780 |
| Efficiency ratio | 56.2106% | 5,930 |
| Assets per employee ($millions) | 6.5611% | 963 |
| Cash dividends to net income (ytd only)* | 63.7363% | 1,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5815% | 269 |
| Loan loss allowance to noncurrent loans | 132.8988% | 2,921 |
| Noncurrent assets plus other real estate owned to assets | 1.7399% | 2,128 |
| Noncurrent loans to loans | 2.6949% | 1,358 |
| Net loans and leases to total assets | 54.6990% | 4,500 |
| Net loans and leases to deposits | 64.8436% | 4,431 |
| Net loans and leases to core deposits | 68.2300% | 4,489 |
| Total domestic deposits to total assets | 84.3553% | 4,034 |
| Equity capital to assets | 9.7697% | 4,073 |
| Core capital (leverage) ratio | 10.2256% | 3,259 |
| Tier 1 risk-based capital ratio | 14.8200% | 3,769 |
| Total risk-based capital ratio | 16.0923% | 3,707 |
| Memoranda: | ||
| Average total assets | $84,145,800 | 5,137 |
| Average earning assets | $78,688,200 | 5,069 |
| Average equity | $8,533,800 | 5,203 |
| Average total loans | $46,057,800 | 5,112 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9920% | 4,159 |
| Cost of funding earning assets | 0.7321% | 1,725 |
| Net interest margin | 3.2598% | 4,794 |
| Noninterest income to average assets | 0.1749% | 6,143 |
| Noninterest expense to average assets | 1.8411% | 6,282 |
| Loan and lease loss provision to assets | 0.3911% | 783 |
| Net operating income to assets | 0.8490% | 3,102 |
| Return on assets (ROA) | 0.8490% | 3,215 |
| Pretax return on assets | 0.9937% | 3,526 |
| Return on Equity (ROE) | 8.2943% | 2,977 |
| Retained earnings to average equity (ytd only) | 2.8890% | 4,599 |
| Net charge-offs to loans | 0.0088% | 4,978 |
| Credit loss provision to net charge-offs | 8,200.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 290.3250% | 206 |
| Efficiency ratio | 57.0724% | 5,793 |
| Assets per employee ($millions) | 6.1244% | 1,152 |
| Cash dividends to net income (ytd only)* | 65.1690% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2917% | 194 |
| Loan loss allowance to noncurrent loans | 3,685.7143% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 5,395 |
| Noncurrent loans to loans | 0.1164% | 5,979 |
| Net loans and leases to total assets | 50.5859% | 5,063 |
| Net loans and leases to deposits | 58.6304% | 5,119 |
| Net loans and leases to core deposits | 61.7450% | 5,141 |
| Total domestic deposits to total assets | 86.2793% | 3,088 |
| Equity capital to assets | 10.3809% | 3,415 |
| Core capital (leverage) ratio | 10.0446% | 3,614 |
| Tier 1 risk-based capital ratio | 16.3127% | 3,025 |
| Total risk-based capital ratio | 17.5925% | 2,985 |
| Memoranda: | ||
| Average total assets | $83,858,750 | 5,193 |
| Average earning assets | $78,489,000 | 5,119 |
| Average equity | $8,584,000 | 5,242 |
| Average total loans | $45,475,250 | 5,188 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9720% | 4,214 |
| Cost of funding earning assets | 0.7454% | 1,736 |
| Net interest margin | 3.2266% | 4,850 |
| Noninterest income to average assets | 0.1525% | 6,285 |
| Noninterest expense to average assets | 1.8388% | 6,312 |
| Loan and lease loss provision to assets | 0.4011% | 773 |
| Net operating income to assets | 0.8115% | 3,229 |
| Return on assets (ROA) | 0.8115% | 3,386 |
| Pretax return on assets | 0.9382% | 3,751 |
| Return on Equity (ROE) | 7.9629% | 3,120 |
| Retained earnings to average equity (ytd only) | 2.6236% | 4,640 |
| Net charge-offs to loans | 0.0129% | 4,605 |
| Credit loss provision to net charge-offs | 5,700.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 190.3333% | 266 |
| Efficiency ratio | 57.8598% | 5,754 |
| Assets per employee ($millions) | 6.0416% | 1,175 |
| Cash dividends to net income (ytd only)* | 67.0520% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8046% | 296 |
| Loan loss allowance to noncurrent loans | 3,266.0377% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.3724% | 5,360 |
| Noncurrent loans to loans | 0.1165% | 6,042 |
| Net loans and leases to total assets | 51.7451% | 4,900 |
| Net loans and leases to deposits | 61.0913% | 4,850 |
| Net loans and leases to core deposits | 64.1867% | 4,870 |
| Total domestic deposits to total assets | 84.7012% | 4,037 |
| Equity capital to assets | 9.9206% | 4,016 |
| Core capital (leverage) ratio | 9.5940% | 4,089 |
| Tier 1 risk-based capital ratio | 15.5373% | 3,461 |
| Total risk-based capital ratio | 16.8130% | 3,400 |
| Memoranda: | ||
| Average total assets | $85,272,670 | 5,179 |
| Average earning assets | $79,960,000 | 5,118 |
| Average equity | $8,690,330 | 5,248 |
| Average total loans | $46,606,670 | 5,155 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 4,039 |
| Cost of funding earning assets | 0.7651% | 1,747 |
| Net interest margin | 3.2543% | 4,712 |
| Noninterest income to average assets | 0.1682% | 6,254 |
| Noninterest expense to average assets | 1.8875% | 6,292 |
| Loan and lease loss provision to assets | 0.4392% | 658 |
| Net operating income to assets | 0.7896% | 3,223 |
| Return on assets (ROA) | 0.7896% | 3,355 |
| Pretax return on assets | 0.9017% | 3,758 |
| Return on Equity (ROE) | 7.6471% | 3,135 |
| Retained earnings to average equity (ytd only) | 2.3982% | 4,829 |
| Net charge-offs to loans | -0.0170% | 5,645 |
| Credit loss provision to net charge-offs | -4,700.0000% | 5,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4660% | 5,786 |
| Assets per employee ($millions) | 6.2469% | 1,111 |
| Cash dividends to net income (ytd only)* | 68.6391% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4116% | 456 |
| Loan loss allowance to noncurrent loans | 11,060.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 5,524 |
| Noncurrent loans to loans | 0.0308% | 6,404 |
| Net loans and leases to total assets | 53.7052% | 4,463 |
| Net loans and leases to deposits | 63.6505% | 4,360 |
| Net loans and leases to core deposits | 67.1072% | 4,404 |
| Total domestic deposits to total assets | 84.3752% | 4,323 |
| Equity capital to assets | 10.0735% | 4,048 |
| Core capital (leverage) ratio | 9.3520% | 4,321 |
| Tier 1 risk-based capital ratio | 14.7417% | 4,002 |
| Total risk-based capital ratio | 16.0140% | 3,957 |
| Memoranda: | ||
| Average total assets | $85,618,000 | 5,215 |
| Average earning assets | $80,509,000 | 5,140 |
| Average equity | $8,840,000 | 5,259 |
| Average total loans | $47,161,000 | 5,163 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2439% | 4,425 |
| Cost of funding earning assets | 1.0102% | 1,303 |
| Net interest margin | 3.2338% | 5,480 |
| Noninterest income to average assets | 0.4898% | 3,968 |
| Noninterest expense to average assets | 1.8952% | 6,496 |
| Loan and lease loss provision to assets | 0.5866% | 948 |
| Net operating income to assets | 0.8881% | 2,875 |
| Return on assets (ROA) | 0.8901% | 3,103 |
| Pretax return on assets | 1.0498% | 3,359 |
| Return on Equity (ROE) | 7.9797% | 3,092 |
| Retained earnings to average equity (ytd only) | -3.7730% | 6,342 |
| Net charge-offs to loans | -0.1055% | 6,832 |
| Credit loss provision to net charge-offs | -1,054.3478% | 6,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7012% | 6,293 |
| Assets per employee ($millions) | 6.4445% | 1,027 |
| Cash dividends to net income (ytd only)* | 147.2826% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4206% | 460 |
| Loan loss allowance to noncurrent loans | 19,537.5000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 5,445 |
| Noncurrent loans to loans | 0.0175% | 6,496 |
| Net loans and leases to total assets | 52.6755% | 4,813 |
| Net loans and leases to deposits | 60.5347% | 4,969 |
| Net loans and leases to core deposits | 63.6150% | 5,005 |
| Total domestic deposits to total assets | 87.0170% | 2,838 |
| Equity capital to assets | 10.5874% | 3,415 |
| Core capital (leverage) ratio | 10.0468% | 3,340 |
| Tier 1 risk-based capital ratio | 15.5117% | 3,416 |
| Total risk-based capital ratio | 16.7838% | 3,369 |
| Memoranda: | ||
| Average total assets | $82,683,000 | 5,283 |
| Average earning assets | $77,711,000 | 5,195 |
| Average equity | $9,223,400 | 5,165 |
| Average total loans | $43,602,600 | 5,351 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2954% | 4,468 |
| Cost of funding earning assets | 1.0571% | 1,251 |
| Net interest margin | 3.2383% | 5,591 |
| Noninterest income to average assets | 0.5145% | 3,831 |
| Noninterest expense to average assets | 1.9108% | 6,508 |
| Loan and lease loss provision to assets | 0.5905% | 952 |
| Net operating income to assets | 0.8998% | 2,981 |
| Return on assets (ROA) | 0.9012% | 3,210 |
| Pretax return on assets | 1.0630% | 3,490 |
| Return on Equity (ROE) | 7.9754% | 3,294 |
| Retained earnings to average equity (ytd only) | 2.9926% | 4,759 |
| Net charge-offs to loans | -0.1640% | 6,956 |
| Credit loss provision to net charge-offs | -688.6792% | 6,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6331% | 6,291 |
| Assets per employee ($millions) | 5.6735% | 1,480 |
| Cash dividends to net income (ytd only)* | 62.4776% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6264% | 416 |
| Loan loss allowance to noncurrent loans | 9,062.5000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.4495% | 5,537 |
| Noncurrent loans to loans | 0.0400% | 6,517 |
| Net loans and leases to total assets | 48.5150% | 5,490 |
| Net loans and leases to deposits | 56.7701% | 5,560 |
| Net loans and leases to core deposits | 59.8769% | 5,572 |
| Total domestic deposits to total assets | 85.4587% | 3,536 |
| Equity capital to assets | 11.9918% | 2,263 |
| Core capital (leverage) ratio | 10.5777% | 2,822 |
| Tier 1 risk-based capital ratio | 18.3833% | 2,204 |
| Total risk-based capital ratio | 19.6568% | 2,172 |
| Memoranda: | ||
| Average total assets | $82,409,000 | 5,340 |
| Average earning assets | $77,569,500 | 5,254 |
| Average equity | $9,311,750 | 5,196 |
| Average total loans | $43,079,750 | 5,432 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3356% | 4,431 |
| Cost of funding earning assets | 1.0845% | 1,291 |
| Net interest margin | 3.2510% | 5,587 |
| Noninterest income to average assets | 0.5587% | 3,532 |
| Noninterest expense to average assets | 1.9304% | 6,548 |
| Loan and lease loss provision to assets | 0.5875% | 1,021 |
| Net operating income to assets | 0.9260% | 2,778 |
| Return on assets (ROA) | 0.9280% | 3,034 |
| Pretax return on assets | 1.1127% | 3,260 |
| Return on Equity (ROE) | 8.3760% | 3,076 |
| Retained earnings to average equity (ytd only) | 3.3547% | 4,369 |
| Net charge-offs to loans | -0.2358% | 7,036 |
| Credit loss provision to net charge-offs | -471.1538% | 6,273 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2056% | 6,393 |
| Assets per employee ($millions) | 5.9824% | 1,245 |
| Cash dividends to net income (ytd only)* | 59.9483% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1164% | 703 |
| Loan loss allowance to noncurrent loans | 8,306.2500% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 5,715 |
| Noncurrent loans to loans | 0.0375% | 6,588 |
| Net loans and leases to total assets | 49.3302% | 5,441 |
| Net loans and leases to deposits | 57.0829% | 5,539 |
| Net loans and leases to core deposits | 60.7258% | 5,517 |
| Total domestic deposits to total assets | 86.4186% | 3,125 |
| Equity capital to assets | 11.1875% | 2,906 |
| Core capital (leverage) ratio | 10.3316% | 3,010 |
| Tier 1 risk-based capital ratio | 17.3263% | 2,538 |
| Total risk-based capital ratio | 18.5933% | 2,496 |
| Memoranda: | ||
| Average total assets | $83,402,330 | 5,340 |
| Average earning assets | $78,744,000 | 5,251 |
| Average equity | $9,240,670 | 5,216 |
| Average total loans | $44,111,330 | 5,424 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4175% | 4,253 |
| Cost of funding earning assets | 1.1413% | 1,209 |
| Net interest margin | 3.2762% | 5,552 |
| Noninterest income to average assets | 0.7498% | 2,400 |
| Noninterest expense to average assets | 2.1003% | 6,272 |
| Loan and lease loss provision to assets | 0.6008% | 955 |
| Net operating income to assets | 0.9476% | 2,708 |
| Return on assets (ROA) | 0.9516% | 2,894 |
| Pretax return on assets | 1.1439% | 3,144 |
| Return on Equity (ROE) | 8.6312% | 2,983 |
| Retained earnings to average equity (ytd only) | 3.5745% | 4,430 |
| Net charge-offs to loans | -0.4460% | 7,132 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6934% | 6,265 |
| Assets per employee ($millions) | 5.9849% | 1,292 |
| Cash dividends to net income (ytd only)* | 58.5859% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7409% | 1,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4070% | 5,842 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 51.1159% | 5,134 |
| Net loans and leases to deposits | 59.0940% | 5,270 |
| Net loans and leases to core deposits | 64.2673% | 5,079 |
| Total domestic deposits to total assets | 86.4993% | 3,243 |
| Equity capital to assets | 10.9395% | 2,976 |
| Core capital (leverage) ratio | 10.0965% | 3,244 |
| Tier 1 risk-based capital ratio | 16.7030% | 2,810 |
| Total risk-based capital ratio | 17.9666% | 2,759 |
| Memoranda: | ||
| Average total assets | $83,226,500 | 5,379 |
| Average earning assets | $78,506,000 | 5,286 |
| Average equity | $9,176,000 | 5,246 |
| Average total loans | $44,844,500 | 5,433 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 3,322 |
| Cost of funding earning assets | 1.4387% | 883 |
| Net interest margin | 3.4671% | 5,267 |
| Noninterest income to average assets | 0.4094% | 4,544 |
| Noninterest expense to average assets | 1.9476% | 6,766 |
| Loan and lease loss provision to assets | 0.7231% | 1,412 |
| Net operating income to assets | 0.8695% | 2,736 |
| Return on assets (ROA) | 0.8727% | 2,865 |
| Pretax return on assets | 1.0210% | 3,162 |
| Return on Equity (ROE) | 8.1403% | 2,837 |
| Retained earnings to average equity (ytd only) | 2.8354% | 4,220 |
| Net charge-offs to loans | 1.1774% | 1,435 |
| Credit loss provision to net charge-offs | 110.4869% | 3,023 |
| Earnings coverage of net charge-offs (x) | 2.6592% | 3,882 |
| Efficiency ratio | 52.8082% | 6,633 |
| Assets per employee ($millions) | 5.1666% | 1,984 |
| Cash dividends to net income (ytd only)* | 65.1685% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2605% | 1,689 |
| Loan loss allowance to noncurrent loans | 452.6316% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 5,805 |
| Noncurrent loans to loans | 0.4994% | 5,709 |
| Net loans and leases to total assets | 53.9781% | 5,043 |
| Net loans and leases to deposits | 61.3052% | 5,338 |
| Net loans and leases to core deposits | 66.0435% | 5,246 |
| Total domestic deposits to total assets | 88.0481% | 2,121 |
| Equity capital to assets | 11.1123% | 2,878 |
| Core capital (leverage) ratio | 10.3012% | 2,969 |
| Tier 1 risk-based capital ratio | 16.0113% | 3,042 |
| Total risk-based capital ratio | 17.2709% | 2,991 |
| Memoranda: | ||
| Average total assets | $81,588,800 | 5,418 |
| Average earning assets | $77,154,000 | 5,311 |
| Average equity | $8,746,600 | 5,350 |
| Average total loans | $45,353,200 | 5,448 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9841% | 3,169 |
| Cost of funding earning assets | 1.4790% | 935 |
| Net interest margin | 3.5052% | 5,167 |
| Noninterest income to average assets | 0.3968% | 4,690 |
| Noninterest expense to average assets | 1.9626% | 6,767 |
| Loan and lease loss provision to assets | 0.7395% | 1,294 |
| Net operating income to assets | 0.8648% | 2,889 |
| Return on assets (ROA) | 0.8690% | 3,012 |
| Pretax return on assets | 1.0182% | 3,340 |
| Return on Equity (ROE) | 8.1819% | 2,972 |
| Retained earnings to average equity (ytd only) | 2.8096% | 4,675 |
| Net charge-offs to loans | 1.5636% | 908 |
| Credit loss provision to net charge-offs | 84.9341% | 3,962 |
| Earnings coverage of net charge-offs (x) | 2.0132% | 4,135 |
| Efficiency ratio | 52.8244% | 6,609 |
| Assets per employee ($millions) | 5.0281% | 2,156 |
| Cash dividends to net income (ytd only)* | 65.6605% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1347% | 1,991 |
| Loan loss allowance to noncurrent loans | 294.7368% | 1,050 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 5,791 |
| Noncurrent loans to loans | 0.7243% | 5,426 |
| Net loans and leases to total assets | 51.0590% | 5,570 |
| Net loans and leases to deposits | 58.0758% | 5,836 |
| Net loans and leases to core deposits | 62.4593% | 5,774 |
| Total domestic deposits to total assets | 87.9180% | 2,079 |
| Equity capital to assets | 11.2530% | 2,910 |
| Core capital (leverage) ratio | 10.2356% | 3,149 |
| Tier 1 risk-based capital ratio | 16.8362% | 2,701 |
| Total risk-based capital ratio | 18.0932% | 2,673 |
| Memoranda: | ||
| Average total assets | $81,319,750 | 5,463 |
| Average earning assets | $76,989,500 | 5,357 |
| Average equity | $8,636,750 | 5,402 |
| Average total loans | $45,278,250 | 5,499 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9863% | 3,224 |
| Cost of funding earning assets | 1.5138% | 958 |
| Net interest margin | 3.4726% | 5,280 |
| Noninterest income to average assets | 0.4019% | 4,669 |
| Noninterest expense to average assets | 1.9409% | 6,889 |
| Loan and lease loss provision to assets | 0.7646% | 1,216 |
| Net operating income to assets | 0.8441% | 2,886 |
| Return on assets (ROA) | 0.8504% | 2,952 |
| Pretax return on assets | 0.9925% | 3,268 |
| Return on Equity (ROE) | 8.1666% | 2,872 |
| Retained earnings to average equity (ytd only) | 2.7065% | 4,564 |
| Net charge-offs to loans | 1.0004% | 1,573 |
| Credit loss provision to net charge-offs | 134.4828% | 2,274 |
| Earnings coverage of net charge-offs (x) | 3.0776% | 3,311 |
| Efficiency ratio | 52.5896% | 6,749 |
| Assets per employee ($millions) | 5.3789% | 1,677 |
| Cash dividends to net income (ytd only)* | 66.8588% | 1,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2634% | 1,804 |
| Loan loss allowance to noncurrent loans | 146.6667% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.8924% | 5,089 |
| Noncurrent loans to loans | 1.5432% | 4,091 |
| Net loans and leases to total assets | 56.5155% | 4,898 |
| Net loans and leases to deposits | 63.9492% | 5,278 |
| Net loans and leases to core deposits | 67.9112% | 5,296 |
| Total domestic deposits to total assets | 88.3756% | 1,929 |
| Equity capital to assets | 10.8349% | 3,148 |
| Core capital (leverage) ratio | 10.1162% | 3,125 |
| Tier 1 risk-based capital ratio | 15.6211% | 3,173 |
| Total risk-based capital ratio | 16.8807% | 3,129 |
| Memoranda: | ||
| Average total assets | $81,609,670 | 5,495 |
| Average earning assets | $77,291,330 | 5,388 |
| Average equity | $8,498,000 | 5,455 |
| Average total loans | $46,380,000 | 5,504 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9407% | 3,365 |
| Cost of funding earning assets | 1.5526% | 969 |
| Net interest margin | 3.3880% | 5,472 |
| Noninterest income to average assets | 0.4143% | 4,588 |
| Noninterest expense to average assets | 1.9349% | 6,928 |
| Loan and lease loss provision to assets | 0.6823% | 1,242 |
| Net operating income to assets | 0.8600% | 2,739 |
| Return on assets (ROA) | 0.8724% | 2,749 |
| Pretax return on assets | 1.0235% | 3,048 |
| Return on Equity (ROE) | 8.5482% | 2,678 |
| Retained earnings to average equity (ytd only) | 3.0086% | 4,360 |
| Net charge-offs to loans | 2.0241% | 630 |
| Credit loss provision to net charge-offs | 59.8291% | 3,549 |
| Earnings coverage of net charge-offs (x) | 1.4829% | 3,597 |
| Efficiency ratio | 53.3602% | 6,759 |
| Assets per employee ($millions) | 5.7991% | 1,340 |
| Cash dividends to net income (ytd only)* | 64.8045% | 1,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9098% | 2,661 |
| Loan loss allowance to noncurrent loans | 420.0000% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2587% | 6,535 |
| Noncurrent loans to loans | 0.4547% | 6,104 |
| Net loans and leases to total assets | 55.7971% | 5,023 |
| Net loans and leases to deposits | 63.7732% | 5,281 |
| Net loans and leases to core deposits | 68.4631% | 5,236 |
| Total domestic deposits to total assets | 87.4931% | 2,664 |
| Equity capital to assets | 10.4832% | 3,195 |
| Core capital (leverage) ratio | 9.8899% | 3,283 |
| Tier 1 risk-based capital ratio | 15.5260% | 3,153 |
| Total risk-based capital ratio | 16.7821% | 3,098 |
| Memoranda: | ||
| Average total assets | $82,072,500 | 5,520 |
| Average earning assets | $77,803,000 | 5,419 |
| Average equity | $8,376,000 | 5,498 |
| Average total loans | $46,242,500 | 5,551 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9952% | 4,584 |
| Cost of funding earning assets | 1.7819% | 1,243 |
| Net interest margin | 3.2132% | 6,242 |
| Noninterest income to average assets | 0.3903% | 4,976 |
| Noninterest expense to average assets | 1.9527% | 7,095 |
| Loan and lease loss provision to assets | 0.3287% | 4,184 |
| Net operating income to assets | 0.9595% | 2,165 |
| Return on assets (ROA) | 0.9874% | 2,189 |
| Pretax return on assets | 1.1770% | 2,299 |
| Return on Equity (ROE) | 9.5145% | 2,104 |
| Retained earnings to average equity (ytd only) | 1.3999% | 4,835 |
| Net charge-offs to loans | 0.1407% | 5,515 |
| Credit loss provision to net charge-offs | 437.7049% | 530 |
| Earnings coverage of net charge-offs (x) | 19.6066% | 1,050 |
| Efficiency ratio | 57.0093% | 6,459 |
| Assets per employee ($millions) | 5.9256% | 1,259 |
| Cash dividends to net income (ytd only)* | 85.2868% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1079% | 2,056 |
| Loan loss allowance to noncurrent loans | 208.9936% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 5,904 |
| Noncurrent loans to loans | 1.0086% | 5,048 |
| Net loans and leases to total assets | 54.6385% | 5,555 |
| Net loans and leases to deposits | 62.5071% | 5,789 |
| Net loans and leases to core deposits | 66.7801% | 5,801 |
| Total domestic deposits to total assets | 87.4117% | 2,607 |
| Equity capital to assets | 9.9339% | 3,833 |
| Core capital (leverage) ratio | 10.0053% | 3,086 |
| Tier 1 risk-based capital ratio | 15.3821% | 3,051 |
| Total risk-based capital ratio | 16.6401% | 3,008 |
| Memoranda: | ||
| Average total assets | $81,221,600 | 5,563 |
| Average earning assets | $76,714,200 | 5,454 |
| Average equity | $8,429,200 | 5,575 |
| Average total loans | $43,360,200 | 5,773 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0562% | 4,563 |
| Cost of funding earning assets | 1.8202% | 1,340 |
| Net interest margin | 3.2361% | 6,226 |
| Noninterest income to average assets | 0.3763% | 5,146 |
| Noninterest expense to average assets | 1.9425% | 7,145 |
| Loan and lease loss provision to assets | 0.3218% | 4,014 |
| Net operating income to assets | 0.9714% | 2,332 |
| Return on assets (ROA) | 1.0084% | 2,326 |
| Pretax return on assets | 1.2081% | 2,460 |
| Return on Equity (ROE) | 9.6110% | 2,286 |
| Retained earnings to average equity (ytd only) | 1.5415% | 5,185 |
| Net charge-offs to loans | 0.1971% | 4,762 |
| Credit loss provision to net charge-offs | 309.5238% | 1,028 |
| Earnings coverage of net charge-offs (x) | 14.2854% | 1,526 |
| Efficiency ratio | 56.6683% | 6,463 |
| Assets per employee ($millions) | 5.6989% | 1,466 |
| Cash dividends to net income (ytd only)* | 83.9600% | 565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0901% | 2,024 |
| Loan loss allowance to noncurrent loans | 120.1065% | 2,371 |
| Noncurrent assets plus other real estate owned to assets | 0.9413% | 5,216 |
| Noncurrent loans to loans | 1.7402% | 4,031 |
| Net loans and leases to total assets | 52.9592% | 5,986 |
| Net loans and leases to deposits | 60.6499% | 6,257 |
| Net loans and leases to core deposits | 64.4238% | 6,263 |
| Total domestic deposits to total assets | 87.3195% | 2,362 |
| Equity capital to assets | 10.9420% | 3,011 |
| Core capital (leverage) ratio | 10.2657% | 2,961 |
| Tier 1 risk-based capital ratio | 16.4429% | 2,581 |
| Total risk-based capital ratio | 17.6997% | 2,531 |
| Memoranda: | ||
| Average total assets | $80,787,500 | 5,642 |
| Average earning assets | $76,181,250 | 5,541 |
| Average equity | $8,476,250 | 5,628 |
| Average total loans | $42,624,500 | 5,891 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0916% | 4,502 |
| Cost of funding earning assets | 1.8534% | 1,418 |
| Net interest margin | 3.2382% | 6,197 |
| Noninterest income to average assets | 0.3649% | 5,218 |
| Noninterest expense to average assets | 1.9033% | 7,259 |
| Loan and lease loss provision to assets | 0.2959% | 4,023 |
| Net operating income to assets | 1.0161% | 2,137 |
| Return on assets (ROA) | 1.0182% | 2,198 |
| Pretax return on assets | 1.2179% | 2,357 |
| Return on Equity (ROE) | 9.8431% | 2,156 |
| Retained earnings to average equity (ytd only) | 1.6922% | 5,030 |
| Net charge-offs to loans | 0.3015% | 3,807 |
| Credit loss provision to net charge-offs | 187.5000% | 2,099 |
| Earnings coverage of net charge-offs (x) | 9.5781% | 2,004 |
| Efficiency ratio | 55.7401% | 6,669 |
| Assets per employee ($millions) | 5.5558% | 1,572 |
| Cash dividends to net income (ytd only)* | 82.8087% | 708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 2,032 |
| Loan loss allowance to noncurrent loans | 337.1429% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 6,627 |
| Noncurrent loans to loans | 0.6141% | 6,020 |
| Net loans and leases to total assets | 50.2282% | 6,407 |
| Net loans and leases to deposits | 57.5757% | 6,605 |
| Net loans and leases to core deposits | 61.6652% | 6,575 |
| Total domestic deposits to total assets | 87.2385% | 2,414 |
| Equity capital to assets | 10.8343% | 3,046 |
| Core capital (leverage) ratio | 10.0883% | 3,081 |
| Tier 1 risk-based capital ratio | 17.4162% | 2,126 |
| Total risk-based capital ratio | 18.6738% | 2,086 |
| Memoranda: | ||
| Average total assets | $81,122,000 | 5,666 |
| Average earning assets | $76,400,330 | 5,563 |
| Average equity | $8,391,670 | 5,666 |
| Average total loans | $42,447,670 | 5,936 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 4,725 |
| Cost of funding earning assets | 1.8619% | 1,603 |
| Net interest margin | 3.2006% | 6,292 |
| Noninterest income to average assets | 0.3382% | 5,435 |
| Noninterest expense to average assets | 1.8504% | 7,409 |
| Loan and lease loss provision to assets | 0.2899% | 3,703 |
| Net operating income to assets | 1.0106% | 2,140 |
| Return on assets (ROA) | 1.0146% | 2,195 |
| Pretax return on assets | 1.2175% | 2,306 |
| Return on Equity (ROE) | 10.0310% | 2,092 |
| Retained earnings to average equity (ytd only) | 1.8629% | 5,001 |
| Net charge-offs to loans | -0.0091% | 6,873 |
| Credit loss provision to net charge-offs | -6,000.0000% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1873% | 6,862 |
| Assets per employee ($millions) | 5.8611% | 1,363 |
| Cash dividends to net income (ytd only)* | 81.4286% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9049% | 2,424 |
| Loan loss allowance to noncurrent loans | 261.3208% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 6,504 |
| Noncurrent loans to loans | 0.7289% | 5,863 |
| Net loans and leases to total assets | 52.1522% | 6,256 |
| Net loans and leases to deposits | 61.8160% | 6,293 |
| Net loans and leases to core deposits | 67.6061% | 6,137 |
| Total domestic deposits to total assets | 84.3668% | 3,969 |
| Equity capital to assets | 10.2588% | 3,524 |
| Core capital (leverage) ratio | 9.7964% | 3,403 |
| Tier 1 risk-based capital ratio | 15.9923% | 2,665 |
| Total risk-based capital ratio | 17.2477% | 2,612 |
| Memoranda: | ||
| Average total assets | $82,792,500 | 5,669 |
| Average earning assets | $77,985,000 | 5,572 |
| Average equity | $8,374,000 | 5,720 |
| Average total loans | $43,724,500 | 5,948 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4503% | 4,437 |
| Cost of funding earning assets | 2.2531% | 1,827 |
| Net interest margin | 3.1972% | 6,107 |
| Noninterest income to average assets | 0.4026% | 5,179 |
| Noninterest expense to average assets | 1.9303% | 7,456 |
| Loan and lease loss provision to assets | 0.4318% | 4,239 |
| Net operating income to assets | 0.8646% | 2,297 |
| Return on assets (ROA) | 0.9156% | 2,191 |
| Pretax return on assets | 1.1175% | 2,194 |
| Return on Equity (ROE) | 9.0349% | 2,014 |
| Retained earnings to average equity (ytd only) | 5.2756% | 1,683 |
| Net charge-offs to loans | 0.2962% | 4,781 |
| Credit loss provision to net charge-offs | 265.6250% | 1,321 |
| Earnings coverage of net charge-offs (x) | 9.1484% | 1,839 |
| Efficiency ratio | 56.4846% | 6,956 |
| Assets per employee ($millions) | 5.9664% | 1,270 |
| Cash dividends to net income (ytd only)* | 41.6089% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 2,681 |
| Loan loss allowance to noncurrent loans | 237.6543% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3879% | 6,478 |
| Noncurrent loans to loans | 0.7393% | 5,776 |
| Net loans and leases to total assets | 51.5438% | 6,479 |
| Net loans and leases to deposits | 61.4373% | 6,519 |
| Net loans and leases to core deposits | 77.5999% | 6,288 |
| Total domestic deposits to total assets | 83.8966% | 4,073 |
| Equity capital to assets | 9.9726% | 3,798 |
| Core capital (leverage) ratio | 9.9479% | 3,145 |
| Tier 1 risk-based capital ratio | 15.3922% | 2,759 |
| Total risk-based capital ratio | 16.6451% | 2,719 |
| Memoranda: | ||
| Average total assets | $78,743,800 | 5,761 |
| Average earning assets | $74,252,600 | 5,667 |
| Average equity | $7,980,200 | 5,933 |
| Average total loans | $43,207,400 | 5,970 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5411% | 4,208 |
| Cost of funding earning assets | 2.3365% | 1,856 |
| Net interest margin | 3.2046% | 6,011 |
| Noninterest income to average assets | 0.4109% | 5,205 |
| Noninterest expense to average assets | 1.9875% | 7,408 |
| Loan and lease loss provision to assets | 0.4814% | 3,495 |
| Net operating income to assets | 0.8130% | 2,753 |
| Return on assets (ROA) | 0.8837% | 2,557 |
| Pretax return on assets | 1.0540% | 2,722 |
| Return on Equity (ROE) | 8.6829% | 2,382 |
| Retained earnings to average equity (ytd only) | 3.6151% | 3,264 |
| Net charge-offs to loans | 0.3840% | 3,726 |
| Credit loss provision to net charge-offs | 225.8065% | 1,932 |
| Earnings coverage of net charge-offs (x) | 6.8064% | 2,541 |
| Efficiency ratio | 57.8000% | 6,748 |
| Assets per employee ($millions) | 6.0362% | 1,198 |
| Cash dividends to net income (ytd only)* | 58.3654% | 1,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8375% | 2,179 |
| Loan loss allowance to noncurrent loans | 113.6943% | 2,484 |
| Noncurrent assets plus other real estate owned to assets | 0.8003% | 5,511 |
| Noncurrent loans to loans | 1.6162% | 4,216 |
| Net loans and leases to total assets | 48.6078% | 6,899 |
| Net loans and leases to deposits | 55.8160% | 7,103 |
| Net loans and leases to core deposits | 70.5555% | 6,936 |
| Total domestic deposits to total assets | 87.0857% | 2,137 |
| Equity capital to assets | 10.5874% | 3,415 |
| Core capital (leverage) ratio | 9.9516% | 3,335 |
| Tier 1 risk-based capital ratio | 16.6191% | 2,387 |
| Total risk-based capital ratio | 17.8722% | 2,338 |
| Memoranda: | ||
| Average total assets | $77,547,500 | 5,831 |
| Average earning assets | $73,268,750 | 5,744 |
| Average equity | $7,892,750 | 6,021 |
| Average total loans | $43,053,250 | 6,021 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6301% | 3,912 |
| Cost of funding earning assets | 2.4200% | 1,881 |
| Net interest margin | 3.2102% | 5,876 |
| Noninterest income to average assets | 0.4272% | 5,061 |
| Noninterest expense to average assets | 1.9886% | 7,482 |
| Loan and lease loss provision to assets | 0.3625% | 3,754 |
| Net operating income to assets | 0.8994% | 2,461 |
| Return on assets (ROA) | 0.9140% | 2,497 |
| Pretax return on assets | 1.1238% | 2,551 |
| Return on Equity (ROE) | 9.1046% | 2,323 |
| Retained earnings to average equity (ytd only) | 5.2358% | 2,376 |
| Net charge-offs to loans | 0.5804% | 2,590 |
| Credit loss provision to net charge-offs | 108.5271% | 4,261 |
| Earnings coverage of net charge-offs (x) | 4.3953% | 3,106 |
| Efficiency ratio | 57.5281% | 6,940 |
| Assets per employee ($millions) | 5.4331% | 1,642 |
| Cash dividends to net income (ytd only)* | 42.4929% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 4,113 |
| Loan loss allowance to noncurrent loans | 148.5640% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 6,144 |
| Noncurrent loans to loans | 0.8931% | 5,427 |
| Net loans and leases to total assets | 55.6341% | 6,248 |
| Net loans and leases to deposits | 64.3644% | 6,530 |
| Net loans and leases to core deposits | 80.3925% | 6,372 |
| Total domestic deposits to total assets | 86.4362% | 2,546 |
| Equity capital to assets | 10.2547% | 3,663 |
| Core capital (leverage) ratio | 9.8075% | 3,512 |
| Tier 1 risk-based capital ratio | 15.5632% | 2,793 |
| Total risk-based capital ratio | 16.7083% | 2,760 |
| Memoranda: | ||
| Average total assets | $77,239,670 | 5,886 |
| Average earning assets | $72,893,670 | 5,791 |
| Average equity | $7,754,330 | 6,107 |
| Average total loans | $44,452,000 | 6,006 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6291% | 4,184 |
| Cost of funding earning assets | 2.4988% | 1,920 |
| Net interest margin | 3.1303% | 6,101 |
| Noninterest income to average assets | 0.3855% | 5,337 |
| Noninterest expense to average assets | 1.8965% | 7,552 |
| Loan and lease loss provision to assets | 0.3084% | 3,492 |
| Net operating income to assets | 0.8986% | 2,708 |
| Return on assets (ROA) | 0.9148% | 2,779 |
| Pretax return on assets | 1.1564% | 2,782 |
| Return on Equity (ROE) | 9.2091% | 2,634 |
| Retained earnings to average equity (ytd only) | 1.4486% | 5,042 |
| Net charge-offs to loans | -0.0177% | 7,407 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7692% | 6,860 |
| Assets per employee ($millions) | 5.1731% | 1,869 |
| Cash dividends to net income (ytd only)* | 84.2697% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 3,314 |
| Loan loss allowance to noncurrent loans | 40.0776% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 2.0053% | 2,894 |
| Noncurrent loans to loans | 3.5833% | 1,761 |
| Net loans and leases to total assets | 54.8392% | 6,378 |
| Net loans and leases to deposits | 62.4750% | 6,693 |
| Net loans and leases to core deposits | 79.6276% | 6,413 |
| Total domestic deposits to total assets | 87.7777% | 1,858 |
| Equity capital to assets | 9.9541% | 4,048 |
| Core capital (leverage) ratio | 9.5292% | 3,948 |
| Tier 1 risk-based capital ratio | 14.9269% | 3,108 |
| Total risk-based capital ratio | 16.1513% | 3,042 |
| Memoranda: | ||
| Average total assets | $77,828,000 | 5,891 |
| Average earning assets | $73,475,500 | 5,796 |
| Average equity | $7,731,500 | 6,146 |
| Average total loans | $45,235,000 | 6,000 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0712% | 5,200 |
| Cost of funding earning assets | 2.9648% | 2,007 |
| Net interest margin | 3.1064% | 6,636 |
| Noninterest income to average assets | 0.5381% | 4,333 |
| Noninterest expense to average assets | 1.9543% | 7,531 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1042% | 2,130 |
| Return on assets (ROA) | 1.1160% | 2,000 |
| Pretax return on assets | 1.5145% | 1,639 |
| Return on Equity (ROE) | 11.3223% | 1,812 |
| Retained earnings to average equity (ytd only) | 3.2349% | 3,136 |
| Net charge-offs to loans | -0.0022% | 7,748 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5987% | 6,927 |
| Assets per employee ($millions) | 5.2040% | 1,722 |
| Cash dividends to net income (ytd only)* | 71.4286% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 4,707 |
| Loan loss allowance to noncurrent loans | 34.8750% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 2.0612% | 2,385 |
| Noncurrent loans to loans | 3.3829% | 1,521 |
| Net loans and leases to total assets | 59.8757% | 5,927 |
| Net loans and leases to deposits | 68.2590% | 6,435 |
| Net loans and leases to core deposits | 88.0821% | 5,970 |
| Total domestic deposits to total assets | 87.7184% | 1,602 |
| Equity capital to assets | 9.9142% | 4,141 |
| Core capital (leverage) ratio | 9.5874% | 3,895 |
| Tier 1 risk-based capital ratio | 13.3509% | 3,898 |
| Total risk-based capital ratio | 14.3402% | 3,971 |
| Memoranda: | ||
| Average total assets | $75,270,000 | 5,866 |
| Average earning assets | $70,628,800 | 5,795 |
| Average equity | $7,419,000 | 6,303 |
| Average total loans | $45,498,000 | 5,904 |