Home > Lincoln State Bank > Performance and Condition Ratios
Lincoln 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 | 4.1117% | 3,780 |
| Cost of funding earning assets | 0.8345% | 3,651 |
| Net interest margin | 3.2772% | 2,688 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 2.4171% | 2,539 |
| Loan and lease loss provision to assets | 0.0500% | 2,105 |
| Net operating income to assets | 0.9618% | 2,330 |
| Return on assets (ROA) | 0.9618% | 2,323 |
| Pretax return on assets | 0.9618% | 2,778 |
| Return on Equity (ROE) | 21.0200% | 535 |
| Retained earnings to average equity (ytd only) | 18.0473% | 190 |
| Net charge-offs to loans | 0.0088% | 2,328 |
| Credit loss provision to net charge-offs | 1,200.0000% | 349 |
| Earnings coverage of net charge-offs (x) | 224.4000% | 544 |
| Efficiency ratio | 69.5595% | 1,941 |
| Assets per employee ($millions) | 7.8829% | 1,495 |
| Cash dividends to net income (ytd only)* | 14.1243% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4759% | 1,119 |
| Loan loss allowance to noncurrent loans | 690.7692% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1178% | 2,746 |
| Noncurrent loans to loans | 0.2137% | 2,455 |
| Net loans and leases to total assets | 54.3200% | 3,328 |
| Net loans and leases to deposits | 61.7132% | 3,422 |
| Net loans and leases to core deposits | 64.0637% | 3,587 |
| Total domestic deposits to total assets | 88.0200% | 1,349 |
| Equity capital to assets | 5.8245% | 4,267 |
| Core capital (leverage) ratio | 9.6908% | 3,077 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.7370% | 1,337 |
| Memoranda: | ||
| Average total assets | $110,422,600 | 3,740 |
| Average earning assets | $105,455,400 | 3,690 |
| Average equity | $5,053,400 | 4,256 |
| Average total loans | $57,076,400 | 3,745 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0441% | 3,773 |
| Cost of funding earning assets | 0.7659% | 3,617 |
| Net interest margin | 3.2783% | 2,738 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.3639% | 2,616 |
| Loan and lease loss provision to assets | 0.0700% | 1,559 |
| Net operating income to assets | 1.0177% | 2,312 |
| Return on assets (ROA) | 1.0177% | 2,298 |
| Pretax return on assets | 1.0177% | 2,802 |
| Return on Equity (ROE) | 23.8600% | 446 |
| Retained earnings to average equity (ytd only) | 21.0339% | 229 |
| Net charge-offs to loans | 0.0143% | 1,883 |
| Credit loss provision to net charge-offs | 1,000.0000% | 400 |
| Earnings coverage of net charge-offs (x) | 150.5000% | 726 |
| Efficiency ratio | 67.5987% | 2,061 |
| Assets per employee ($millions) | 7.7640% | 1,473 |
| Cash dividends to net income (ytd only)* | 11.8624% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5210% | 1,054 |
| Loan loss allowance to noncurrent loans | 724.1935% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 2,805 |
| Noncurrent loans to loans | 0.2100% | 2,510 |
| Net loans and leases to total assets | 53.4900% | 3,398 |
| Net loans and leases to deposits | 59.6404% | 3,525 |
| Net loans and leases to core deposits | 62.3341% | 3,602 |
| Total domestic deposits to total assets | 89.6900% | 1,022 |
| Equity capital to assets | 4.0277% | 4,400 |
| Core capital (leverage) ratio | 9.9131% | 2,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8014% | 1,372 |
| Memoranda: | ||
| Average total assets | $110,438,000 | 3,754 |
| Average earning assets | $105,500,750 | 3,704 |
| Average equity | $4,709,750 | 4,294 |
| Average total loans | $56,134,250 | 3,766 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0197% | 3,643 |
| Cost of funding earning assets | 0.6652% | 3,588 |
| Net interest margin | 3.3544% | 2,628 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.3798% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1367% | 2,016 |
| Return on assets (ROA) | 1.1367% | 2,008 |
| Pretax return on assets | 1.1367% | 2,545 |
| Return on Equity (ROE) | 26.1800% | 326 |
| Retained earnings to average equity (ytd only) | 24.1062% | 137 |
| Net charge-offs to loans | -0.0109% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8545% | 2,124 |
| Assets per employee ($millions) | 7.6346% | 1,518 |
| Cash dividends to net income (ytd only)* | 7.9239% | 2,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5738% | 987 |
| Loan loss allowance to noncurrent loans | 420.3980% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.1881% | 2,256 |
| Noncurrent loans to loans | 0.3744% | 1,802 |
| Net loans and leases to total assets | 49.4400% | 3,593 |
| Net loans and leases to deposits | 53.6693% | 3,766 |
| Net loans and leases to core deposits | 56.1487% | 3,811 |
| Total domestic deposits to total assets | 92.1200% | 390 |
| Equity capital to assets | 4.6284% | 4,426 |
| Core capital (leverage) ratio | 9.4594% | 3,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4625% | 1,221 |
| Memoranda: | ||
| Average total assets | $111,018,667 | 3,758 |
| Average earning assets | $106,128,333 | 3,709 |
| Average equity | $4,820,333 | 4,306 |
| Average total loans | $55,165,000 | 3,789 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9395% | 3,586 |
| Cost of funding earning assets | 0.6066% | 3,362 |
| Net interest margin | 3.3329% | 2,788 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.2708% | 2,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1956% | 1,942 |
| Return on assets (ROA) | 1.1956% | 1,900 |
| Pretax return on assets | 1.1956% | 2,433 |
| Return on Equity (ROE) | 28.4200% | 271 |
| Retained earnings to average equity (ytd only) | 28.4213% | 129 |
| Net charge-offs to loans | -0.0143% | 3,976 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 64.6939% | 2,368 |
| Assets per employee ($millions) | 8.2195% | 1,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 1,044 |
| Loan loss allowance to noncurrent loans | 497.0588% | 1,648 |
| Noncurrent assets plus other real estate owned to assets | 0.1477% | 2,480 |
| Noncurrent loans to loans | 0.3182% | 2,003 |
| Net loans and leases to total assets | 45.6900% | 3,787 |
| Net loans and leases to deposits | 49.2621% | 3,922 |
| Net loans and leases to core deposits | 51.0105% | 3,957 |
| Total domestic deposits to total assets | 92.7400% | 348 |
| Equity capital to assets | 4.3538% | 4,517 |
| Core capital (leverage) ratio | 8.8224% | 3,886 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0974% | 1,349 |
| Memoranda: | ||
| Average total assets | $113,086,000 | 3,790 |
| Average earning assets | $108,135,500 | 3,736 |
| Average equity | $4,757,000 | 4,370 |
| Average total loans | $55,902,000 | 3,824 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4045% | 3,336 |
| Cost of funding earning assets | 0.2516% | 3,307 |
| Net interest margin | 3.1529% | 3,012 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.3519% | 2,574 |
| Loan and lease loss provision to assets | 0.0500% | 1,921 |
| Net operating income to assets | 0.9116% | 2,913 |
| Return on assets (ROA) | 0.9116% | 2,853 |
| Pretax return on assets | 0.9116% | 3,324 |
| Return on Equity (ROE) | 16.8100% | 891 |
| Retained earnings to average equity (ytd only) | 11.6351% | 755 |
| Net charge-offs to loans | -0.0150% | 3,955 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.1442% | 1,668 |
| Assets per employee ($millions) | 7.9356% | 1,353 |
| Cash dividends to net income (ytd only)* | 30.8008% | 2,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4456% | 1,351 |
| Loan loss allowance to noncurrent loans | 493.5673% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 2,462 |
| Noncurrent loans to loans | 0.2929% | 2,091 |
| Net loans and leases to total assets | 51.7900% | 3,377 |
| Net loans and leases to deposits | 56.8233% | 3,526 |
| Net loans and leases to core deposits | 58.0776% | 3,609 |
| Total domestic deposits to total assets | 91.1500% | 897 |
| Equity capital to assets | 4.0540% | 4,513 |
| Core capital (leverage) ratio | 8.8685% | 3,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6804% | 1,737 |
| Memoranda: | ||
| Average total assets | $106,848,400 | 3,867 |
| Average earning assets | $102,129,800 | 3,817 |
| Average equity | $5,792,800 | 4,352 |
| Average total loans | $53,324,800 | 3,842 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2781% | 3,239 |
| Cost of funding earning assets | 0.1926% | 3,366 |
| Net interest margin | 3.0855% | 2,972 |
| Noninterest income to average assets | 0.3200% | 3,246 |
| Noninterest expense to average assets | 2.3418% | 2,509 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 0.8923% | 2,897 |
| Return on assets (ROA) | 0.8923% | 2,876 |
| Pretax return on assets | 0.8923% | 3,340 |
| Return on Equity (ROE) | 15.4400% | 1,096 |
| Retained earnings to average equity (ytd only) | 8.8959% | 1,683 |
| Net charge-offs to loans | -0.0282% | 4,118 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.7835% | 1,673 |
| Assets per employee ($millions) | 7.6919% | 1,494 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 1,335 |
| Loan loss allowance to noncurrent loans | 471.8391% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.1616% | 2,487 |
| Noncurrent loans to loans | 0.3145% | 2,119 |
| Net loans and leases to total assets | 50.6200% | 3,409 |
| Net loans and leases to deposits | 56.0854% | 3,471 |
| Net loans and leases to core deposits | 57.3802% | 3,537 |
| Total domestic deposits to total assets | 90.2500% | 1,550 |
| Equity capital to assets | 3.0710% | 4,586 |
| Core capital (leverage) ratio | 8.8474% | 3,758 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $105,785,750 | 3,900 |
| Average earning assets | $101,072,250 | 3,853 |
| Average equity | $6,115,000 | 4,360 |
| Average total loans | $52,059,750 | 3,880 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1506% | 3,187 |
| Cost of funding earning assets | 0.1651% | 3,377 |
| Net interest margin | 2.9855% | 2,925 |
| Noninterest income to average assets | 0.3138% | 3,287 |
| Noninterest expense to average assets | 2.3737% | 2,324 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7950% | 2,972 |
| Return on assets (ROA) | 0.7950% | 2,944 |
| Pretax return on assets | 0.7950% | 3,345 |
| Return on Equity (ROE) | 11.8565% | 1,701 |
| Retained earnings to average equity (ytd only) | 6.1835% | 2,279 |
| Net charge-offs to loans | -0.0235% | 3,952 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9496% | 1,514 |
| Assets per employee ($millions) | 7.5651% | 1,570 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5064% | 1,388 |
| Loan loss allowance to noncurrent loans | 586.6667% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.1275% | 2,816 |
| Noncurrent loans to loans | 0.2568% | 2,449 |
| Net loans and leases to total assets | 48.8944% | 3,474 |
| Net loans and leases to deposits | 51.6873% | 3,707 |
| Net loans and leases to core deposits | 52.8418% | 3,766 |
| Total domestic deposits to total assets | 94.5965% | 190 |
| Equity capital to assets | 3.7116% | 4,648 |
| Core capital (leverage) ratio | 8.7727% | 3,693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,152,333 | 3,945 |
| Average earning assets | $100,551,333 | 3,913 |
| Average equity | $7,051,000 | 4,314 |
| Average total loans | $50,970,667 | 3,950 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0355% | 3,148 |
| Cost of funding earning assets | 0.1635% | 3,317 |
| Net interest margin | 2.8720% | 2,920 |
| Noninterest income to average assets | 0.2634% | 3,550 |
| Noninterest expense to average assets | 2.3785% | 2,236 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6338% | 3,282 |
| Return on assets (ROA) | 0.6338% | 3,262 |
| Pretax return on assets | 0.6338% | 3,543 |
| Return on Equity (ROE) | 7.7111% | 2,801 |
| Retained earnings to average equity (ytd only) | 3.0658% | 3,236 |
| Net charge-offs to loans | -0.0159% | 3,790 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9468% | 1,319 |
| Assets per employee ($millions) | 7.8605% | 1,463 |
| Cash dividends to net income (ytd only)* | 60.2410% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 1,140 |
| Loan loss allowance to noncurrent loans | 518.4211% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 2,822 |
| Noncurrent loans to loans | 0.3195% | 2,323 |
| Net loans and leases to total assets | 42.5118% | 3,848 |
| Net loans and leases to deposits | 45.9540% | 3,974 |
| Net loans and leases to core deposits | 46.9624% | 4,029 |
| Total domestic deposits to total assets | 92.5096% | 399 |
| Equity capital to assets | 6.5372% | 4,414 |
| Core capital (leverage) ratio | 9.0045% | 3,361 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,772,500 | 3,968 |
| Average earning assets | $100,279,500 | 3,932 |
| Average equity | $8,611,000 | 4,196 |
| Average total loans | $50,167,500 | 3,972 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 1,953 |
| Cost of funding earning assets | 0.2191% | 3,270 |
| Net interest margin | 3.5449% | 1,617 |
| Noninterest income to average assets | 0.3556% | 3,310 |
| Noninterest expense to average assets | 2.3700% | 2,587 |
| Loan and lease loss provision to assets | 0.0200% | 2,667 |
| Net operating income to assets | 1.3533% | 1,427 |
| Return on assets (ROA) | 1.4324% | 1,252 |
| Pretax return on assets | 1.4324% | 1,938 |
| Return on Equity (ROE) | 14.2303% | 1,119 |
| Retained earnings to average equity (ytd only) | 9.5034% | 1,043 |
| Net charge-offs to loans | -0.0105% | 3,756 |
| Credit loss provision to net charge-offs | -400.0000% | 3,694 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3128% | 2,669 |
| Assets per employee ($millions) | 7.1070% | 1,857 |
| Cash dividends to net income (ytd only)* | 33.2168% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 1,590 |
| Loan loss allowance to noncurrent loans | 456.9767% | 1,546 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 2,723 |
| Noncurrent loans to loans | 0.3260% | 2,418 |
| Net loans and leases to total assets | 52.2402% | 3,034 |
| Net loans and leases to deposits | 59.3600% | 3,133 |
| Net loans and leases to core deposits | 60.8820% | 3,252 |
| Total domestic deposits to total assets | 88.0058% | 2,045 |
| Equity capital to assets | 10.0786% | 2,583 |
| Core capital (leverage) ratio | 9.3897% | 2,981 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,829,600 | 3,990 |
| Average earning assets | $95,406,000 | 3,960 |
| Average equity | $10,049,000 | 4,121 |
| Average total loans | $47,813,800 | 4,042 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8948% | 1,782 |
| Cost of funding earning assets | 0.2275% | 3,351 |
| Net interest margin | 3.6673% | 1,413 |
| Noninterest income to average assets | 0.2963% | 3,673 |
| Noninterest expense to average assets | 2.3286% | 2,658 |
| Loan and lease loss provision to assets | 0.0130% | 2,734 |
| Net operating income to assets | 1.4612% | 1,356 |
| Return on assets (ROA) | 1.5173% | 1,280 |
| Pretax return on assets | 1.5173% | 1,952 |
| Return on Equity (ROE) | 15.0778% | 1,124 |
| Retained earnings to average equity (ytd only) | 12.8234% | 666 |
| Net charge-offs to loans | -0.0057% | 3,476 |
| Credit loss provision to net charge-offs | -500.0000% | 3,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2281% | 2,798 |
| Assets per employee ($millions) | 7.3278% | 1,666 |
| Cash dividends to net income (ytd only)* | 14.9516% | 2,781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4991% | 1,636 |
| Loan loss allowance to noncurrent loans | 581.2030% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 3,250 |
| Noncurrent loans to loans | 0.2579% | 2,898 |
| Net loans and leases to total assets | 49.5092% | 3,466 |
| Net loans and leases to deposits | 57.2545% | 3,467 |
| Net loans and leases to core deposits | 58.7010% | 3,573 |
| Total domestic deposits to total assets | 86.4722% | 2,571 |
| Equity capital to assets | 10.2701% | 2,641 |
| Core capital (leverage) ratio | 9.5645% | 2,952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,912,500 | 4,041 |
| Average earning assets | $95,544,250 | 4,006 |
| Average equity | $10,054,250 | 4,176 |
| Average total loans | $46,576,250 | 4,121 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4359% | 3,060 |
| Cost of funding earning assets | 0.2367% | 3,413 |
| Net interest margin | 3.1992% | 2,761 |
| Noninterest income to average assets | 0.2868% | 3,708 |
| Noninterest expense to average assets | 2.3248% | 2,693 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0200% | 2,829 |
| Return on assets (ROA) | 1.0483% | 2,805 |
| Pretax return on assets | 1.0483% | 3,338 |
| Return on Equity (ROE) | 10.4916% | 2,588 |
| Retained earnings to average equity (ytd only) | 8.3690% | 1,955 |
| Net charge-offs to loans | 0.0089% | 1,806 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 429 |
| Efficiency ratio | 69.5048% | 1,704 |
| Assets per employee ($millions) | 7.3292% | 1,581 |
| Cash dividends to net income (ytd only)* | 20.2312% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5993% | 1,273 |
| Loan loss allowance to noncurrent loans | 553.2847% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 0.1335% | 3,346 |
| Noncurrent loans to loans | 0.2890% | 2,894 |
| Net loans and leases to total assets | 45.4531% | 3,942 |
| Net loans and leases to deposits | 51.8978% | 4,002 |
| Net loans and leases to core deposits | 53.1893% | 4,068 |
| Total domestic deposits to total assets | 87.5820% | 2,048 |
| Equity capital to assets | 9.6951% | 3,150 |
| Core capital (leverage) ratio | 8.8610% | 3,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,020,333 | 4,074 |
| Average earning assets | $94,647,333 | 4,037 |
| Average equity | $9,893,667 | 4,213 |
| Average total loans | $44,913,667 | 4,176 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4343% | 3,108 |
| Cost of funding earning assets | 0.2499% | 3,477 |
| Net interest margin | 3.1844% | 2,745 |
| Noninterest income to average assets | 0.2592% | 3,851 |
| Noninterest expense to average assets | 2.4356% | 2,379 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8640% | 3,224 |
| Return on assets (ROA) | 0.8640% | 3,310 |
| Pretax return on assets | 0.8640% | 3,685 |
| Return on Equity (ROE) | 8.5137% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.8920% | 2,610 |
| Net charge-offs to loans | -0.0366% | 4,268 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8155% | 1,331 |
| Assets per employee ($millions) | 7.2818% | 1,594 |
| Cash dividends to net income (ytd only)* | 19.0476% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 908 |
| Loan loss allowance to noncurrent loans | 513.4228% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 3,442 |
| Noncurrent loans to loans | 0.3459% | 2,858 |
| Net loans and leases to total assets | 41.5047% | 4,268 |
| Net loans and leases to deposits | 45.9563% | 4,354 |
| Net loans and leases to core deposits | 47.0709% | 4,402 |
| Total domestic deposits to total assets | 90.3134% | 658 |
| Equity capital to assets | 9.4247% | 3,269 |
| Core capital (leverage) ratio | 9.0822% | 3,521 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,226,000 | 4,106 |
| Average earning assets | $92,827,500 | 4,066 |
| Average equity | $9,866,500 | 4,228 |
| Average total loans | $43,672,000 | 4,219 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,147 |
| Cost of funding earning assets | 0.3452% | 3,892 |
| Net interest margin | 3.5115% | 2,435 |
| Noninterest income to average assets | 0.2946% | 3,722 |
| Noninterest expense to average assets | 2.4566% | 2,970 |
| Loan and lease loss provision to assets | 0.0235% | 4,107 |
| Net operating income to assets | 1.1455% | 1,740 |
| Return on assets (ROA) | 1.1455% | 1,867 |
| Pretax return on assets | 1.1455% | 2,526 |
| Return on Equity (ROE) | 10.5825% | 1,781 |
| Retained earnings to average equity (ytd only) | 7.6007% | 1,170 |
| Net charge-offs to loans | -0.0528% | 4,679 |
| Credit loss provision to net charge-offs | -86.9565% | 3,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7566% | 2,262 |
| Assets per employee ($millions) | 6.6076% | 1,843 |
| Cash dividends to net income (ytd only)* | 28.1762% | 2,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 1,003 |
| Loan loss allowance to noncurrent loans | 513.5135% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 3,472 |
| Noncurrent loans to loans | 0.3343% | 3,009 |
| Net loans and leases to total assets | 47.0310% | 4,052 |
| Net loans and leases to deposits | 53.0269% | 4,160 |
| Net loans and leases to core deposits | 54.4682% | 4,239 |
| Total domestic deposits to total assets | 88.6927% | 1,125 |
| Equity capital to assets | 10.9451% | 2,305 |
| Core capital (leverage) ratio | 9.4388% | 3,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $85,199,400 | 4,187 |
| Average earning assets | $80,820,800 | 4,154 |
| Average equity | $9,222,800 | 4,284 |
| Average total loans | $43,577,000 | 4,243 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8317% | 3,465 |
| Cost of funding earning assets | 0.3579% | 4,015 |
| Net interest margin | 3.4739% | 2,678 |
| Noninterest income to average assets | 0.3310% | 3,503 |
| Noninterest expense to average assets | 2.4196% | 3,081 |
| Loan and lease loss provision to assets | 0.0156% | 4,127 |
| Net operating income to assets | 1.1866% | 1,683 |
| Return on assets (ROA) | 1.1866% | 1,809 |
| Pretax return on assets | 1.1866% | 2,436 |
| Return on Equity (ROE) | 10.9957% | 1,677 |
| Retained earnings to average equity (ytd only) | 7.9578% | 1,320 |
| Net charge-offs to loans | -0.0584% | 4,709 |
| Credit loss provision to net charge-offs | -52.6316% | 3,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7991% | 2,345 |
| Assets per employee ($millions) | 6.9007% | 1,565 |
| Cash dividends to net income (ytd only)* | 27.6280% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6666% | 946 |
| Loan loss allowance to noncurrent loans | 498.0000% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.1672% | 3,585 |
| Noncurrent loans to loans | 0.3346% | 3,081 |
| Net loans and leases to total assets | 49.1322% | 4,143 |
| Net loans and leases to deposits | 55.4004% | 4,288 |
| Net loans and leases to core deposits | 56.9531% | 4,342 |
| Total domestic deposits to total assets | 88.6856% | 901 |
| Equity capital to assets | 10.9387% | 2,435 |
| Core capital (leverage) ratio | 10.0746% | 2,653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $83,372,500 | 4,209 |
| Average earning assets | $78,987,500 | 4,180 |
| Average equity | $8,997,250 | 4,321 |
| Average total loans | $43,404,500 | 4,270 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9541% | 3,451 |
| Cost of funding earning assets | 0.3798% | 4,128 |
| Net interest margin | 3.5743% | 2,565 |
| Noninterest income to average assets | 0.3347% | 3,465 |
| Noninterest expense to average assets | 2.4292% | 3,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2872% | 1,392 |
| Return on assets (ROA) | 1.2872% | 1,507 |
| Pretax return on assets | 1.2872% | 2,078 |
| Return on Equity (ROE) | 11.9881% | 1,336 |
| Retained earnings to average equity (ytd only) | 8.8936% | 1,035 |
| Net charge-offs to loans | -0.0326% | 4,569 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3642% | 2,609 |
| Assets per employee ($millions) | 6.5998% | 1,705 |
| Cash dividends to net income (ytd only)* | 25.8126% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6388% | 923 |
| Loan loss allowance to noncurrent loans | 232.0513% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 2,844 |
| Noncurrent loans to loans | 0.7062% | 2,112 |
| Net loans and leases to total assets | 50.6492% | 4,125 |
| Net loans and leases to deposits | 57.2400% | 4,254 |
| Net loans and leases to core deposits | 58.9162% | 4,311 |
| Total domestic deposits to total assets | 88.4857% | 951 |
| Equity capital to assets | 11.1541% | 2,206 |
| Core capital (leverage) ratio | 10.0838% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,260,333 | 4,238 |
| Average earning assets | $76,881,667 | 4,213 |
| Average equity | $8,725,333 | 4,369 |
| Average total loans | $42,931,667 | 4,295 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 3,482 |
| Cost of funding earning assets | 0.4126% | 4,318 |
| Net interest margin | 3.7031% | 2,310 |
| Noninterest income to average assets | 0.3595% | 3,371 |
| Noninterest expense to average assets | 2.5420% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3166% | 1,198 |
| Return on assets (ROA) | 1.3166% | 1,291 |
| Pretax return on assets | 1.3166% | 1,824 |
| Return on Equity (ROE) | 12.5256% | 978 |
| Retained earnings to average equity (ytd only) | 9.3942% | 869 |
| Net charge-offs to loans | -0.0095% | 4,060 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8793% | 2,986 |
| Assets per employee ($millions) | 6.1930% | 1,524 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 836 |
| Loan loss allowance to noncurrent loans | 360.8040% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.2472% | 3,468 |
| Noncurrent loans to loans | 0.4776% | 2,820 |
| Net loans and leases to total assets | 50.8614% | 4,191 |
| Net loans and leases to deposits | 56.7989% | 4,338 |
| Net loans and leases to core deposits | 58.5532% | 4,414 |
| Total domestic deposits to total assets | 89.5465% | 458 |
| Equity capital to assets | 10.1392% | 3,663 |
| Core capital (leverage) ratio | 10.4944% | 2,953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $78,991,500 | 4,276 |
| Average earning assets | $74,640,500 | 4,246 |
| Average equity | $8,303,000 | 4,456 |
| Average total loans | $42,307,500 | 4,323 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1869% | 3,839 |
| Cost of funding earning assets | 0.4162% | 4,388 |
| Net interest margin | 3.7707% | 2,606 |
| Noninterest income to average assets | 0.3654% | 3,511 |
| Noninterest expense to average assets | 2.5223% | 3,386 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4132% | 1,301 |
| Return on assets (ROA) | 1.4132% | 1,378 |
| Pretax return on assets | 1.4132% | 2,107 |
| Return on Equity (ROE) | 14.1277% | 876 |
| Retained earnings to average equity (ytd only) | 10.2794% | 446 |
| Net charge-offs to loans | -0.0913% | 4,942 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0915% | 3,060 |
| Assets per employee ($millions) | 6.4562% | 1,310 |
| Cash dividends to net income (ytd only)* | 27.2392% | 3,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6718% | 846 |
| Loan loss allowance to noncurrent loans | 415.0289% | 1,143 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 3,555 |
| Noncurrent loans to loans | 0.4028% | 2,998 |
| Net loans and leases to total assets | 54.5099% | 4,049 |
| Net loans and leases to deposits | 62.8466% | 4,148 |
| Net loans and leases to core deposits | 65.2176% | 4,218 |
| Total domestic deposits to total assets | 86.7349% | 1,740 |
| Equity capital to assets | 10.8978% | 3,094 |
| Core capital (leverage) ratio | 10.4370% | 3,023 |
| Tier 1 risk-based capital ratio | 15.2759% | 2,668 |
| Total risk-based capital ratio | 16.5270% | 2,599 |
| Memoranda: | ||
| Average total assets | $76,635,600 | 4,340 |
| Average earning assets | $72,560,200 | 4,304 |
| Average equity | $7,665,800 | 4,548 |
| Average total loans | $41,636,000 | 4,371 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1649% | 4,005 |
| Cost of funding earning assets | 0.4073% | 4,478 |
| Net interest margin | 3.7576% | 2,726 |
| Noninterest income to average assets | 0.3768% | 3,460 |
| Noninterest expense to average assets | 2.4511% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4829% | 1,234 |
| Return on assets (ROA) | 1.4829% | 1,292 |
| Pretax return on assets | 1.4829% | 2,013 |
| Return on Equity (ROE) | 15.1684% | 746 |
| Retained earnings to average equity (ytd only) | 11.2425% | 485 |
| Net charge-offs to loans | -0.0032% | 4,120 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3060% | 3,277 |
| Assets per employee ($millions) | 5.8305% | 1,733 |
| Cash dividends to net income (ytd only)* | 25.8826% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6849% | 847 |
| Loan loss allowance to noncurrent loans | 269.1700% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3338% | 3,202 |
| Noncurrent loans to loans | 0.6260% | 2,407 |
| Net loans and leases to total assets | 52.4249% | 4,292 |
| Net loans and leases to deposits | 59.0896% | 4,423 |
| Net loans and leases to core deposits | 61.3144% | 4,488 |
| Total domestic deposits to total assets | 88.7210% | 731 |
| Equity capital to assets | 10.9214% | 3,168 |
| Core capital (leverage) ratio | 10.4962% | 3,103 |
| Tier 1 risk-based capital ratio | 15.7063% | 2,556 |
| Total risk-based capital ratio | 16.9566% | 2,492 |
| Memoranda: | ||
| Average total assets | $76,426,000 | 4,395 |
| Average earning assets | $72,348,500 | 4,364 |
| Average equity | $7,471,500 | 4,633 |
| Average total loans | $41,307,750 | 4,434 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1691% | 3,996 |
| Cost of funding earning assets | 0.3888% | 4,551 |
| Net interest margin | 3.7803% | 2,646 |
| Noninterest income to average assets | 0.3758% | 3,430 |
| Noninterest expense to average assets | 2.4923% | 3,506 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4615% | 1,259 |
| Return on assets (ROA) | 1.4615% | 1,315 |
| Pretax return on assets | 1.4615% | 1,984 |
| Return on Equity (ROE) | 15.5498% | 663 |
| Retained earnings to average equity (ytd only) | 11.5235% | 478 |
| Net charge-offs to loans | 0.0337% | 2,186 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 80.0000% | 813 |
| Efficiency ratio | 63.0363% | 3,284 |
| Assets per employee ($millions) | 5.4706% | 1,993 |
| Cash dividends to net income (ytd only)* | 25.8929% | 2,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6836% | 852 |
| Loan loss allowance to noncurrent loans | 276.5432% | 1,693 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 3,267 |
| Noncurrent loans to loans | 0.6088% | 2,436 |
| Net loans and leases to total assets | 51.2391% | 4,402 |
| Net loans and leases to deposits | 57.3108% | 4,548 |
| Net loans and leases to core deposits | 59.1036% | 4,608 |
| Total domestic deposits to total assets | 89.4057% | 506 |
| Equity capital to assets | 10.2901% | 3,708 |
| Core capital (leverage) ratio | 9.9441% | 3,649 |
| Tier 1 risk-based capital ratio | 15.3040% | 2,711 |
| Total risk-based capital ratio | 16.5546% | 2,644 |
| Memoranda: | ||
| Average total assets | $76,636,000 | 4,427 |
| Average earning assets | $72,533,000 | 4,392 |
| Average equity | $7,202,670 | 4,696 |
| Average total loans | $41,604,670 | 4,457 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 3,995 |
| Cost of funding earning assets | 0.3700% | 4,604 |
| Net interest margin | 3.7830% | 2,594 |
| Noninterest income to average assets | 0.3287% | 3,658 |
| Noninterest expense to average assets | 2.3011% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6019% | 888 |
| Return on assets (ROA) | 1.6019% | 919 |
| Pretax return on assets | 1.6019% | 1,465 |
| Return on Equity (ROE) | 17.8917% | 410 |
| Retained earnings to average equity (ytd only) | 17.8917% | 148 |
| Net charge-offs to loans | 0.1319% | 947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 21.9286% | 1,516 |
| Efficiency ratio | 58.9572% | 3,961 |
| Assets per employee ($millions) | 5.5687% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6221% | 1,018 |
| Loan loss allowance to noncurrent loans | 143.0108% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 2,287 |
| Noncurrent loans to loans | 1.1343% | 1,471 |
| Net loans and leases to total assets | 51.7316% | 4,357 |
| Net loans and leases to deposits | 57.1528% | 4,540 |
| Net loans and leases to core deposits | 58.8928% | 4,611 |
| Total domestic deposits to total assets | 90.5146% | 283 |
| Equity capital to assets | 9.2417% | 4,487 |
| Core capital (leverage) ratio | 9.8681% | 3,742 |
| Tier 1 risk-based capital ratio | 14.9122% | 2,915 |
| Total risk-based capital ratio | 16.1658% | 2,841 |
| Memoranda: | ||
| Average total assets | $76,660,000 | 4,476 |
| Average earning assets | $72,430,000 | 4,444 |
| Average equity | $6,863,500 | 4,778 |
| Average total loans | $42,449,500 | 4,480 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1042% | 3,729 |
| Cost of funding earning assets | 0.3888% | 4,053 |
| Net interest margin | 3.7154% | 2,978 |
| Noninterest income to average assets | 0.3884% | 3,509 |
| Noninterest expense to average assets | 2.4092% | 3,854 |
| Loan and lease loss provision to assets | 0.1802% | 1,091 |
| Net operating income to assets | 1.2680% | 1,922 |
| Return on assets (ROA) | 1.2013% | 2,162 |
| Pretax return on assets | 1.2013% | 2,876 |
| Return on Equity (ROE) | 14.9150% | 852 |
| Retained earnings to average equity (ytd only) | 14.9150% | 121 |
| Net charge-offs to loans | 0.0385% | 2,626 |
| Credit loss provision to net charge-offs | 843.7500% | 426 |
| Earnings coverage of net charge-offs (x) | 67.8125% | 952 |
| Efficiency ratio | 62.4567% | 3,442 |
| Assets per employee ($millions) | 5.3827% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 1,152 |
| Loan loss allowance to noncurrent loans | 144.3737% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6250% | 2,170 |
| Noncurrent loans to loans | 1.0728% | 1,520 |
| Net loans and leases to total assets | 57.3569% | 4,022 |
| Net loans and leases to deposits | 62.9825% | 4,315 |
| Net loans and leases to core deposits | 64.9628% | 4,408 |
| Total domestic deposits to total assets | 91.0680% | 187 |
| Equity capital to assets | 8.6547% | 4,842 |
| Core capital (leverage) ratio | 9.3201% | 4,339 |
| Tier 1 risk-based capital ratio | 13.9615% | 3,304 |
| Total risk-based capital ratio | 15.2121% | 3,230 |
| Memoranda: | ||
| Average total assets | $74,919,800 | 4,513 |
| Average earning assets | $69,953,000 | 4,495 |
| Average equity | $6,034,200 | 4,891 |
| Average total loans | $41,573,200 | 4,506 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 3,890 |
| Cost of funding earning assets | 0.3535% | 4,160 |
| Net interest margin | 3.6574% | 3,180 |
| Noninterest income to average assets | 0.4028% | 3,469 |
| Noninterest expense to average assets | 2.3633% | 3,941 |
| Loan and lease loss provision to assets | 0.1337% | 1,505 |
| Net operating income to assets | 1.3171% | 1,787 |
| Return on assets (ROA) | 1.3367% | 1,726 |
| Pretax return on assets | 1.3367% | 2,478 |
| Return on Equity (ROE) | 16.9137% | 552 |
| Retained earnings to average equity (ytd only) | 16.9137% | 107 |
| Net charge-offs to loans | 0.0553% | 2,030 |
| Credit loss provision to net charge-offs | 441.1765% | 769 |
| Earnings coverage of net charge-offs (x) | 47.8743% | 1,202 |
| Efficiency ratio | 61.9626% | 3,514 |
| Assets per employee ($millions) | 5.3761% | 2,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4508% | 1,522 |
| Loan loss allowance to noncurrent loans | 288.7850% | 1,697 |
| Noncurrent assets plus other real estate owned to assets | 0.2843% | 3,550 |
| Noncurrent loans to loans | 0.5024% | 2,883 |
| Net loans and leases to total assets | 55.7763% | 4,235 |
| Net loans and leases to deposits | 62.3293% | 4,430 |
| Net loans and leases to core deposits | 64.3243% | 4,497 |
| Total domestic deposits to total assets | 89.4865% | 680 |
| Equity capital to assets | 8.0263% | 5,166 |
| Core capital (leverage) ratio | 9.6590% | 3,985 |
| Tier 1 risk-based capital ratio | 14.0344% | 3,356 |
| Total risk-based capital ratio | 15.2587% | 3,278 |
| Memoranda: | ||
| Average total assets | $74,810,250 | 4,564 |
| Average earning assets | $69,775,500 | 4,545 |
| Average equity | $5,912,250 | 4,963 |
| Average total loans | $40,990,750 | 4,566 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9328% | 3,989 |
| Cost of funding earning assets | 0.3321% | 4,188 |
| Net interest margin | 3.6008% | 3,309 |
| Noninterest income to average assets | 0.4018% | 3,470 |
| Noninterest expense to average assets | 2.3440% | 4,035 |
| Loan and lease loss provision to assets | 0.0670% | 2,554 |
| Net operating income to assets | 1.3314% | 1,658 |
| Return on assets (ROA) | 1.3850% | 1,493 |
| Pretax return on assets | 1.3850% | 2,203 |
| Return on Equity (ROE) | 17.6170% | 462 |
| Retained earnings to average equity (ytd only) | 17.6170% | 105 |
| Net charge-offs to loans | 0.1187% | 1,220 |
| Credit loss provision to net charge-offs | 104.1667% | 1,960 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,764 |
| Efficiency ratio | 62.6342% | 3,543 |
| Assets per employee ($millions) | 5.3210% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,749 |
| Loan loss allowance to noncurrent loans | 280.5000% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.2685% | 3,693 |
| Noncurrent loans to loans | 0.4986% | 2,931 |
| Net loans and leases to total assets | 53.0942% | 4,405 |
| Net loans and leases to deposits | 58.8458% | 4,597 |
| Net loans and leases to core deposits | 60.7399% | 4,668 |
| Total domestic deposits to total assets | 90.2261% | 495 |
| Equity capital to assets | 7.9604% | 5,234 |
| Core capital (leverage) ratio | 9.1924% | 4,471 |
| Tier 1 risk-based capital ratio | 13.9407% | 3,385 |
| Total risk-based capital ratio | 15.0822% | 3,356 |
| Memoranda: | ||
| Average total assets | $74,658,670 | 4,615 |
| Average earning assets | $69,263,330 | 4,601 |
| Average equity | $5,869,330 | 5,019 |
| Average total loans | $40,455,000 | 4,627 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 3,983 |
| Cost of funding earning assets | 0.3248% | 4,172 |
| Net interest margin | 3.5553% | 3,326 |
| Noninterest income to average assets | 0.3960% | 3,498 |
| Noninterest expense to average assets | 2.2745% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4022% | 1,336 |
| Return on assets (ROA) | 1.5092% | 1,058 |
| Pretax return on assets | 1.5092% | 1,665 |
| Return on Equity (ROE) | 19.3184% | 296 |
| Retained earnings to average equity (ytd only) | 19.3184% | 115 |
| Net charge-offs to loans | -0.0689% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8632% | 3,808 |
| Assets per employee ($millions) | 5.3984% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,492 |
| Loan loss allowance to noncurrent loans | 229.0323% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.3281% | 3,523 |
| Noncurrent loans to loans | 0.6510% | 2,597 |
| Net loans and leases to total assets | 49.6540% | 4,585 |
| Net loans and leases to deposits | 53.8864% | 4,802 |
| Net loans and leases to core deposits | 55.8288% | 4,848 |
| Total domestic deposits to total assets | 92.1458% | 93 |
| Equity capital to assets | 7.6584% | 5,380 |
| Core capital (leverage) ratio | 8.9950% | 4,683 |
| Tier 1 risk-based capital ratio | 14.0679% | 3,344 |
| Total risk-based capital ratio | 15.2757% | 3,282 |
| Memoranda: | ||
| Average total assets | $74,741,000 | 4,662 |
| Average earning assets | $68,966,500 | 4,662 |
| Average equity | $5,839,000 | 5,079 |
| Average total loans | $40,626,000 | 4,674 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8220% | 3,976 |
| Cost of funding earning assets | 0.3539% | 3,674 |
| Net interest margin | 3.4681% | 3,628 |
| Noninterest income to average assets | 0.4243% | 3,479 |
| Noninterest expense to average assets | 2.4659% | 3,891 |
| Loan and lease loss provision to assets | 0.1335% | 1,716 |
| Net operating income to assets | 1.0608% | 2,016 |
| Return on assets (ROA) | 1.0636% | 2,024 |
| Pretax return on assets | 1.0636% | 3,328 |
| Return on Equity (ROE) | 13.6465% | 821 |
| Retained earnings to average equity (ytd only) | 13.6465% | 117 |
| Net charge-offs to loans | 0.1143% | 1,910 |
| Credit loss provision to net charge-offs | 206.5217% | 1,326 |
| Earnings coverage of net charge-offs (x) | 18.4783% | 2,074 |
| Efficiency ratio | 67.3704% | 3,026 |
| Assets per employee ($millions) | 5.6850% | 1,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2999% | 2,216 |
| Loan loss allowance to noncurrent loans | 244.9782% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.3099% | 3,648 |
| Noncurrent loans to loans | 0.5306% | 2,913 |
| Net loans and leases to total assets | 57.6362% | 4,046 |
| Net loans and leases to deposits | 64.7297% | 4,278 |
| Net loans and leases to core deposits | 67.2349% | 4,344 |
| Total domestic deposits to total assets | 89.0413% | 985 |
| Equity capital to assets | 7.9697% | 5,405 |
| Core capital (leverage) ratio | 8.8393% | 4,823 |
| Tier 1 risk-based capital ratio | 12.6817% | 4,103 |
| Total risk-based capital ratio | 13.8049% | 4,072 |
| Memoranda: | ||
| Average total assets | $71,170,600 | 4,759 |
| Average earning assets | $66,405,200 | 4,736 |
| Average equity | $5,547,200 | 5,175 |
| Average total loans | $40,231,400 | 4,728 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7401% | 4,215 |
| Cost of funding earning assets | 0.3555% | 3,614 |
| Net interest margin | 3.3846% | 3,905 |
| Noninterest income to average assets | 0.4502% | 3,330 |
| Noninterest expense to average assets | 2.4798% | 3,801 |
| Loan and lease loss provision to assets | 0.1135% | 1,898 |
| Net operating income to assets | 1.0441% | 2,357 |
| Return on assets (ROA) | 1.0536% | 2,350 |
| Pretax return on assets | 1.0536% | 3,479 |
| Return on Equity (ROE) | 13.5979% | 913 |
| Retained earnings to average equity (ytd only) | 13.5979% | 174 |
| Net charge-offs to loans | -0.0236% | 4,910 |
| Credit loss provision to net charge-offs | -857.1429% | 4,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1747% | 2,846 |
| Assets per employee ($millions) | 4.9604% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3793% | 1,980 |
| Loan loss allowance to noncurrent loans | 279.7101% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 3,877 |
| Noncurrent loans to loans | 0.4931% | 3,217 |
| Net loans and leases to total assets | 59.6126% | 3,911 |
| Net loans and leases to deposits | 70.1518% | 3,945 |
| Net loans and leases to core deposits | 73.6305% | 4,006 |
| Total domestic deposits to total assets | 84.9766% | 2,721 |
| Equity capital to assets | 8.4945% | 5,291 |
| Core capital (leverage) ratio | 8.5599% | 5,198 |
| Tier 1 risk-based capital ratio | 12.6954% | 4,208 |
| Total risk-based capital ratio | 13.8941% | 4,133 |
| Memoranda: | ||
| Average total assets | $70,487,000 | 4,818 |
| Average earning assets | $66,378,000 | 4,788 |
| Average equity | $5,461,500 | 5,246 |
| Average total loans | $39,500,000 | 4,792 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6348% | 4,415 |
| Cost of funding earning assets | 0.3389% | 3,705 |
| Net interest margin | 3.2959% | 4,120 |
| Noninterest income to average assets | 0.4207% | 3,559 |
| Noninterest expense to average assets | 2.4790% | 3,818 |
| Loan and lease loss provision to assets | 0.0565% | 2,843 |
| Net operating income to assets | 0.9882% | 2,483 |
| Return on assets (ROA) | 0.9854% | 2,548 |
| Pretax return on assets | 0.9854% | 3,620 |
| Return on Equity (ROE) | 13.1310% | 1,005 |
| Retained earnings to average equity (ytd only) | 13.1310% | 246 |
| Net charge-offs to loans | 0.0103% | 3,093 |
| Credit loss provision to net charge-offs | 1,000.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 185.0000% | 434 |
| Efficiency ratio | 70.3526% | 2,611 |
| Assets per employee ($millions) | 5.1627% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 2,156 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2933% | 3,960 |
| Noncurrent loans to loans | 0.5413% | 3,127 |
| Net loans and leases to total assets | 53.4561% | 4,440 |
| Net loans and leases to deposits | 59.2610% | 4,684 |
| Net loans and leases to core deposits | 61.6486% | 4,736 |
| Total domestic deposits to total assets | 90.2045% | 466 |
| Equity capital to assets | 7.9111% | 5,571 |
| Core capital (leverage) ratio | 8.1746% | 5,445 |
| Tier 1 risk-based capital ratio | 12.4164% | 4,347 |
| Total risk-based capital ratio | 13.5271% | 4,327 |
| Memoranda: | ||
| Average total assets | $70,834,330 | 4,850 |
| Average earning assets | $66,688,330 | 4,811 |
| Average equity | $5,315,670 | 5,310 |
| Average total loans | $38,674,330 | 4,854 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5589% | 4,521 |
| Cost of funding earning assets | 0.3346% | 3,708 |
| Net interest margin | 3.2243% | 4,264 |
| Noninterest income to average assets | 0.4165% | 3,553 |
| Noninterest expense to average assets | 2.4646% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9756% | 2,413 |
| Return on assets (ROA) | 0.9756% | 2,465 |
| Pretax return on assets | 0.9756% | 3,480 |
| Return on Equity (ROE) | 13.3737% | 928 |
| Retained earnings to average equity (ytd only) | 13.3737% | 346 |
| Net charge-offs to loans | -0.0520% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6418% | 2,640 |
| Assets per employee ($millions) | 5.0609% | 2,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4162% | 2,011 |
| Loan loss allowance to noncurrent loans | 203.5433% | 2,227 |
| Noncurrent assets plus other real estate owned to assets | 0.3585% | 3,768 |
| Noncurrent loans to loans | 0.6958% | 2,760 |
| Net loans and leases to total assets | 50.7953% | 4,603 |
| Net loans and leases to deposits | 54.9499% | 4,884 |
| Net loans and leases to core deposits | 57.1506% | 4,918 |
| Total domestic deposits to total assets | 92.4393% | 65 |
| Equity capital to assets | 7.3857% | 5,703 |
| Core capital (leverage) ratio | 8.1886% | 5,459 |
| Tier 1 risk-based capital ratio | 12.5656% | 4,349 |
| Total risk-based capital ratio | 13.6960% | 4,322 |
| Memoranda: | ||
| Average total assets | $70,112,500 | 4,915 |
| Average earning assets | $65,751,500 | 4,884 |
| Average equity | $5,114,500 | 5,397 |
| Average total loans | $38,428,000 | 4,908 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 4,090 |
| Cost of funding earning assets | 0.3596% | 3,419 |
| Net interest margin | 3.3800% | 3,894 |
| Noninterest income to average assets | 0.4290% | 3,688 |
| Noninterest expense to average assets | 2.4684% | 4,110 |
| Loan and lease loss provision to assets | 0.2050% | 1,110 |
| Net operating income to assets | 0.9209% | 2,716 |
| Return on assets (ROA) | 0.9326% | 2,777 |
| Pretax return on assets | 0.9326% | 3,722 |
| Return on Equity (ROE) | 12.2054% | 1,190 |
| Retained earnings to average equity (ytd only) | 6.9362% | 1,254 |
| Net charge-offs to loans | 0.4834% | 511 |
| Credit loss provision to net charge-offs | 72.5389% | 3,090 |
| Earnings coverage of net charge-offs (x) | 3.9845% | 3,582 |
| Efficiency ratio | 68.6762% | 3,136 |
| Assets per employee ($millions) | 4.9551% | 2,440 |
| Cash dividends to net income (ytd only)* | 43.1711% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,710 |
| Loan loss allowance to noncurrent loans | 231.6742% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 4,000 |
| Noncurrent loans to loans | 0.5477% | 3,204 |
| Net loans and leases to total assets | 57.4252% | 4,124 |
| Net loans and leases to deposits | 64.7261% | 4,347 |
| Net loans and leases to core deposits | 67.4186% | 4,440 |
| Total domestic deposits to total assets | 88.7202% | 1,254 |
| Equity capital to assets | 7.2018% | 5,777 |
| Core capital (leverage) ratio | 8.1270% | 5,543 |
| Tier 1 risk-based capital ratio | 11.5102% | 5,052 |
| Total risk-based capital ratio | 12.5671% | 5,065 |
| Memoranda: | ||
| Average total assets | $68,303,000 | 4,970 |
| Average earning assets | $63,965,000 | 4,942 |
| Average equity | $5,219,000 | 5,429 |
| Average total loans | $39,924,400 | 4,885 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7340% | 4,128 |
| Cost of funding earning assets | 0.3644% | 3,392 |
| Net interest margin | 3.3696% | 3,957 |
| Noninterest income to average assets | 0.4507% | 3,555 |
| Noninterest expense to average assets | 2.4438% | 4,153 |
| Loan and lease loss provision to assets | 0.2214% | 931 |
| Net operating income to assets | 0.9387% | 2,709 |
| Return on assets (ROA) | 0.9544% | 2,774 |
| Pretax return on assets | 0.9544% | 3,797 |
| Return on Equity (ROE) | 12.3100% | 1,227 |
| Retained earnings to average equity (ytd only) | 6.1171% | 2,118 |
| Net charge-offs to loans | 0.6596% | 300 |
| Credit loss provision to net charge-offs | 57.3604% | 2,941 |
| Earnings coverage of net charge-offs (x) | 3.0051% | 3,481 |
| Efficiency ratio | 67.8086% | 3,260 |
| Assets per employee ($millions) | 4.8322% | 2,578 |
| Cash dividends to net income (ytd only)* | 50.3080% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1638% | 3,460 |
| Loan loss allowance to noncurrent loans | 226.8868% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 4,154 |
| Noncurrent loans to loans | 0.5130% | 3,457 |
| Net loans and leases to total assets | 60.3805% | 3,830 |
| Net loans and leases to deposits | 68.6129% | 4,096 |
| Net loans and leases to core deposits | 71.5627% | 4,191 |
| Total domestic deposits to total assets | 88.0017% | 1,409 |
| Equity capital to assets | 8.0827% | 5,713 |
| Core capital (leverage) ratio | 8.2340% | 5,549 |
| Tier 1 risk-based capital ratio | 11.4820% | 5,097 |
| Total risk-based capital ratio | 12.4942% | 5,131 |
| Memoranda: | ||
| Average total assets | $68,035,750 | 5,021 |
| Average earning assets | $63,666,250 | 4,988 |
| Average equity | $5,274,750 | 5,475 |
| Average total loans | $39,818,250 | 4,929 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6992% | 4,306 |
| Cost of funding earning assets | 0.3611% | 3,438 |
| Net interest margin | 3.3381% | 4,094 |
| Noninterest income to average assets | 0.4460% | 3,553 |
| Noninterest expense to average assets | 2.4705% | 4,116 |
| Loan and lease loss provision to assets | 0.0675% | 2,791 |
| Net operating income to assets | 1.0269% | 2,262 |
| Return on assets (ROA) | 1.0387% | 2,351 |
| Pretax return on assets | 1.0387% | 3,443 |
| Return on Equity (ROE) | 13.5884% | 908 |
| Retained earnings to average equity (ytd only) | 7.4467% | 1,410 |
| Net charge-offs to loans | 0.0610% | 2,322 |
| Credit loss provision to net charge-offs | 191.6667% | 1,344 |
| Earnings coverage of net charge-offs (x) | 31.0833% | 1,369 |
| Efficiency ratio | 69.3004% | 3,098 |
| Assets per employee ($millions) | 4.7653% | 2,608 |
| Cash dividends to net income (ytd only)* | 45.1977% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4586% | 2,030 |
| Loan loss allowance to noncurrent loans | 109.9617% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7824% | 2,642 |
| Noncurrent loans to loans | 1.3265% | 1,697 |
| Net loans and leases to total assets | 58.1257% | 4,101 |
| Net loans and leases to deposits | 66.6575% | 4,294 |
| Net loans and leases to core deposits | 69.3232% | 4,381 |
| Total domestic deposits to total assets | 87.2006% | 1,806 |
| Equity capital to assets | 8.1932% | 5,737 |
| Core capital (leverage) ratio | 7.9711% | 5,742 |
| Tier 1 risk-based capital ratio | 12.1479% | 4,737 |
| Total risk-based capital ratio | 13.3991% | 4,651 |
| Memoranda: | ||
| Average total assets | $68,164,000 | 5,065 |
| Average earning assets | $63,689,670 | 5,036 |
| Average equity | $5,210,330 | 5,544 |
| Average total loans | $39,314,670 | 4,991 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6989% | 4,329 |
| Cost of funding earning assets | 0.3736% | 3,359 |
| Net interest margin | 3.3252% | 4,126 |
| Noninterest income to average assets | 0.4355% | 3,572 |
| Noninterest expense to average assets | 2.3981% | 4,378 |
| Loan and lease loss provision to assets | 0.1335% | 1,578 |
| Net operating income to assets | 1.0045% | 2,256 |
| Return on assets (ROA) | 1.0161% | 2,326 |
| Pretax return on assets | 1.0161% | 3,420 |
| Return on Equity (ROE) | 13.7727% | 882 |
| Retained earnings to average equity (ytd only) | 5.5091% | 2,640 |
| Net charge-offs to loans | 0.0814% | 1,682 |
| Credit loss provision to net charge-offs | 287.5000% | 875 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,327 |
| Efficiency ratio | 67.8161% | 3,494 |
| Assets per employee ($millions) | 5.2554% | 2,072 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5046% | 1,962 |
| Loan loss allowance to noncurrent loans | 206.0498% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 3,944 |
| Noncurrent loans to loans | 0.7302% | 3,011 |
| Net loans and leases to total assets | 55.4786% | 4,308 |
| Net loans and leases to deposits | 60.1444% | 4,706 |
| Net loans and leases to core deposits | 62.3548% | 4,795 |
| Total domestic deposits to total assets | 92.2424% | 86 |
| Equity capital to assets | 7.6127% | 5,926 |
| Core capital (leverage) ratio | 7.8217% | 5,841 |
| Tier 1 risk-based capital ratio | 12.1010% | 4,855 |
| Total risk-based capital ratio | 13.3512% | 4,752 |
| Memoranda: | ||
| Average total assets | $68,889,000 | 5,095 |
| Average earning assets | $64,236,000 | 5,073 |
| Average equity | $5,082,500 | 5,611 |
| Average total loans | $39,296,000 | 5,034 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5402% | 4,818 |
| Cost of funding earning assets | 0.3984% | 3,182 |
| Net interest margin | 3.1418% | 4,800 |
| Noninterest income to average assets | 0.4154% | 3,920 |
| Noninterest expense to average assets | 2.3111% | 4,755 |
| Loan and lease loss provision to assets | 0.0731% | 2,804 |
| Net operating income to assets | 0.9727% | 2,504 |
| Return on assets (ROA) | 1.0034% | 2,437 |
| Pretax return on assets | 1.0034% | 3,463 |
| Return on Equity (ROE) | 14.0212% | 836 |
| Retained earnings to average equity (ytd only) | 3.5768% | 3,514 |
| Net charge-offs to loans | 0.0782% | 2,701 |
| Credit loss provision to net charge-offs | 172.4138% | 1,562 |
| Earnings coverage of net charge-offs (x) | 24.6552% | 1,660 |
| Efficiency ratio | 68.8453% | 3,433 |
| Assets per employee ($millions) | 5.3429% | 1,958 |
| Cash dividends to net income (ytd only)* | 74.4898% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 2,392 |
| Loan loss allowance to noncurrent loans | 246.2882% | 1,950 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 4,264 |
| Noncurrent loans to loans | 0.5709% | 3,464 |
| Net loans and leases to total assets | 56.9351% | 4,207 |
| Net loans and leases to deposits | 64.5196% | 4,430 |
| Net loans and leases to core deposits | 66.9296% | 4,510 |
| Total domestic deposits to total assets | 88.2447% | 1,512 |
| Equity capital to assets | 7.1468% | 6,033 |
| Core capital (leverage) ratio | 7.7211% | 5,934 |
| Tier 1 risk-based capital ratio | 11.4591% | 5,278 |
| Total risk-based capital ratio | 12.6986% | 5,187 |
| Memoranda: | ||
| Average total assets | $68,366,000 | 5,123 |
| Average earning assets | $64,007,800 | 5,087 |
| Average equity | $4,892,600 | 5,679 |
| Average total loans | $37,102,200 | 5,116 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5070% | 4,966 |
| Cost of funding earning assets | 0.4029% | 3,197 |
| Net interest margin | 3.1042% | 4,957 |
| Noninterest income to average assets | 0.4308% | 3,858 |
| Noninterest expense to average assets | 2.3223% | 4,727 |
| Loan and lease loss provision to assets | 0.0489% | 3,228 |
| Net operating income to assets | 0.9712% | 2,616 |
| Return on assets (ROA) | 1.0123% | 2,509 |
| Pretax return on assets | 1.0123% | 3,569 |
| Return on Equity (ROE) | 14.1406% | 874 |
| Retained earnings to average equity (ytd only) | 0.9847% | 5,324 |
| Net charge-offs to loans | 0.0550% | 2,816 |
| Credit loss provision to net charge-offs | 166.6667% | 1,548 |
| Earnings coverage of net charge-offs (x) | 34.7325% | 1,365 |
| Efficiency ratio | 69.4786% | 3,297 |
| Assets per employee ($millions) | 5.1125% | 2,159 |
| Cash dividends to net income (ytd only)* | 93.0366% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 2,205 |
| Loan loss allowance to noncurrent loans | 237.3391% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.3506% | 4,372 |
| Noncurrent loans to loans | 0.6272% | 3,440 |
| Net loans and leases to total assets | 55.0622% | 4,458 |
| Net loans and leases to deposits | 63.6397% | 4,586 |
| Net loans and leases to core deposits | 66.1760% | 4,674 |
| Total domestic deposits to total assets | 86.5218% | 2,269 |
| Equity capital to assets | 7.2838% | 6,106 |
| Core capital (leverage) ratio | 7.5298% | 6,049 |
| Tier 1 risk-based capital ratio | 11.9601% | 5,105 |
| Total risk-based capital ratio | 13.2113% | 5,021 |
| Memoranda: | ||
| Average total assets | $68,093,000 | 5,192 |
| Average earning assets | $63,869,750 | 5,151 |
| Average equity | $4,874,750 | 5,757 |
| Average total loans | $36,350,250 | 5,203 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4718% | 5,060 |
| Cost of funding earning assets | 0.4009% | 3,264 |
| Net interest margin | 3.0708% | 5,040 |
| Noninterest income to average assets | 0.4283% | 3,865 |
| Noninterest expense to average assets | 2.3399% | 4,744 |
| Loan and lease loss provision to assets | 0.0291% | 3,546 |
| Net operating income to assets | 0.9383% | 2,700 |
| Return on assets (ROA) | 0.9995% | 2,501 |
| Pretax return on assets | 0.9995% | 3,593 |
| Return on Equity (ROE) | 14.0401% | 895 |
| Retained earnings to average equity (ytd only) | -1.3917% | 5,755 |
| Net charge-offs to loans | 0.0721% | 2,359 |
| Credit loss provision to net charge-offs | 76.9231% | 2,367 |
| Earnings coverage of net charge-offs (x) | 25.5385% | 1,518 |
| Efficiency ratio | 70.7489% | 3,203 |
| Assets per employee ($millions) | 5.3516% | 1,878 |
| Cash dividends to net income (ytd only)* | 109.9125% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 2,356 |
| Loan loss allowance to noncurrent loans | 241.0714% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.3220% | 4,592 |
| Noncurrent loans to loans | 0.6163% | 3,616 |
| Net loans and leases to total assets | 51.4640% | 4,805 |
| Net loans and leases to deposits | 59.1459% | 4,920 |
| Net loans and leases to core deposits | 61.3776% | 4,985 |
| Total domestic deposits to total assets | 87.0118% | 2,165 |
| Equity capital to assets | 6.8146% | 6,219 |
| Core capital (leverage) ratio | 7.2280% | 6,148 |
| Tier 1 risk-based capital ratio | 11.8189% | 5,267 |
| Total risk-based capital ratio | 13.0702% | 5,167 |
| Memoranda: | ||
| Average total assets | $68,636,330 | 5,240 |
| Average earning assets | $64,347,330 | 5,196 |
| Average equity | $4,886,000 | 5,807 |
| Average total loans | $36,084,000 | 5,255 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4910% | 4,996 |
| Cost of funding earning assets | 0.4144% | 3,142 |
| Net interest margin | 3.0766% | 5,013 |
| Noninterest income to average assets | 0.3110% | 4,702 |
| Noninterest expense to average assets | 2.1769% | 5,210 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0093% | 2,221 |
| Return on assets (ROA) | 1.0386% | 2,236 |
| Pretax return on assets | 1.0386% | 3,351 |
| Return on Equity (ROE) | 14.2785% | 825 |
| Retained earnings to average equity (ytd only) | 4.1948% | 3,490 |
| Net charge-offs to loans | 0.1113% | 1,630 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 17.2000% | 1,534 |
| Efficiency ratio | 68.3241% | 3,769 |
| Assets per employee ($millions) | 5.2698% | 2,032 |
| Cash dividends to net income (ytd only)* | 70.6215% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 2,263 |
| Loan loss allowance to noncurrent loans | 237.5000% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 4,677 |
| Noncurrent loans to loans | 0.6499% | 3,652 |
| Net loans and leases to total assets | 49.5365% | 4,899 |
| Net loans and leases to deposits | 53.4863% | 5,236 |
| Net loans and leases to core deposits | 55.7938% | 5,263 |
| Total domestic deposits to total assets | 92.6154% | 84 |
| Equity capital to assets | 7.2737% | 6,226 |
| Core capital (leverage) ratio | 7.5021% | 6,138 |
| Tier 1 risk-based capital ratio | 12.8269% | 4,712 |
| Total risk-based capital ratio | 14.0791% | 4,626 |
| Memoranda: | ||
| Average total assets | $68,169,000 | 5,301 |
| Average earning assets | $63,707,500 | 5,252 |
| Average equity | $4,958,500 | 5,843 |
| Average total loans | $35,954,000 | 5,300 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5435% | 5,218 |
| Cost of funding earning assets | 0.4400% | 3,271 |
| Net interest margin | 3.1036% | 5,197 |
| Noninterest income to average assets | 0.2775% | 5,127 |
| Noninterest expense to average assets | 2.0914% | 5,594 |
| Loan and lease loss provision to assets | 0.2025% | 1,253 |
| Net operating income to assets | 0.9152% | 2,804 |
| Return on assets (ROA) | 0.9197% | 2,875 |
| Pretax return on assets | 0.9197% | 3,827 |
| Return on Equity (ROE) | 12.9670% | 1,150 |
| Retained earnings to average equity (ytd only) | 4.2941% | 3,132 |
| Net charge-offs to loans | -0.1043% | 6,122 |
| Credit loss provision to net charge-offs | -385.7143% | 5,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1706% | 4,378 |
| Assets per employee ($millions) | 5.2178% | 2,053 |
| Cash dividends to net income (ytd only)* | 66.8842% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 2,695 |
| Loan loss allowance to noncurrent loans | 1,872.4138% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0428% | 5,867 |
| Noncurrent loans to loans | 0.0775% | 5,575 |
| Net loans and leases to total assets | 54.3955% | 4,530 |
| Net loans and leases to deposits | 60.6629% | 4,842 |
| Net loans and leases to core deposits | 63.0966% | 4,911 |
| Total domestic deposits to total assets | 89.6684% | 889 |
| Equity capital to assets | 7.2740% | 6,288 |
| Core capital (leverage) ratio | 7.5289% | 6,194 |
| Tier 1 risk-based capital ratio | 11.3460% | 5,744 |
| Total risk-based capital ratio | 12.5687% | 5,680 |
| Memoranda: | ||
| Average total assets | $66,654,800 | 5,379 |
| Average earning assets | $62,960,000 | 5,313 |
| Average equity | $4,727,400 | 5,919 |
| Average total loans | $33,566,000 | 5,414 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5238% | 5,338 |
| Cost of funding earning assets | 0.4437% | 3,327 |
| Net interest margin | 3.0801% | 5,311 |
| Noninterest income to average assets | 0.2471% | 5,441 |
| Noninterest expense to average assets | 2.0212% | 5,733 |
| Loan and lease loss provision to assets | 0.1909% | 1,265 |
| Net operating income to assets | 0.9503% | 2,682 |
| Return on assets (ROA) | 0.9544% | 2,746 |
| Pretax return on assets | 0.9544% | 3,778 |
| Return on Equity (ROE) | 13.5448% | 1,083 |
| Retained earnings to average equity (ytd only) | 2.7089% | 4,662 |
| Net charge-offs to loans | -0.1677% | 6,272 |
| Credit loss provision to net charge-offs | -231.7073% | 5,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9136% | 4,558 |
| Assets per employee ($millions) | 4.8597% | 2,432 |
| Cash dividends to net income (ytd only)* | 79.9991% | 743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5103% | 2,654 |
| Loan loss allowance to noncurrent loans | 1,641.9355% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0491% | 5,960 |
| Noncurrent loans to loans | 0.0920% | 5,669 |
| Net loans and leases to total assets | 52.5421% | 4,750 |
| Net loans and leases to deposits | 57.8303% | 5,115 |
| Net loans and leases to core deposits | 60.2881% | 5,169 |
| Total domestic deposits to total assets | 90.8557% | 401 |
| Equity capital to assets | 7.5488% | 6,294 |
| Core capital (leverage) ratio | 7.7474% | 6,195 |
| Tier 1 risk-based capital ratio | 11.9745% | 5,508 |
| Total risk-based capital ratio | 13.2076% | 5,430 |
| Memoranda: | ||
| Average total assets | $66,360,750 | 5,443 |
| Average earning assets | $62,810,250 | 5,376 |
| Average equity | $4,675,750 | 5,996 |
| Average total loans | $32,597,500 | 5,512 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4914% | 5,424 |
| Cost of funding earning assets | 0.4341% | 3,505 |
| Net interest margin | 3.0573% | 5,379 |
| Noninterest income to average assets | 0.2314% | 5,541 |
| Noninterest expense to average assets | 2.0260% | 5,783 |
| Loan and lease loss provision to assets | 0.1335% | 1,857 |
| Net operating income to assets | 0.9759% | 2,434 |
| Return on assets (ROA) | 0.9848% | 2,464 |
| Pretax return on assets | 0.9848% | 3,537 |
| Return on Equity (ROE) | 14.2960% | 903 |
| Retained earnings to average equity (ytd only) | 1.3779% | 5,194 |
| Net charge-offs to loans | -0.2420% | 6,388 |
| Credit loss provision to net charge-offs | -115.3846% | 5,285 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6168% | 4,595 |
| Assets per employee ($millions) | 5.0313% | 2,174 |
| Cash dividends to net income (ytd only)* | 90.3614% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4206% | 3,244 |
| Loan loss allowance to noncurrent loans | 1,038.6364% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0673% | 5,973 |
| Noncurrent loans to loans | 0.1368% | 5,598 |
| Net loans and leases to total assets | 48.4841% | 5,131 |
| Net loans and leases to deposits | 52.7417% | 5,446 |
| Net loans and leases to core deposits | 54.7788% | 5,505 |
| Total domestic deposits to total assets | 91.9275% | 181 |
| Equity capital to assets | 7.3203% | 6,387 |
| Core capital (leverage) ratio | 7.1934% | 6,395 |
| Tier 1 risk-based capital ratio | 12.9652% | 4,936 |
| Total risk-based capital ratio | 14.1819% | 4,896 |
| Memoranda: | ||
| Average total assets | $67,422,330 | 5,462 |
| Average earning assets | $64,043,670 | 5,382 |
| Average equity | $4,644,670 | 6,044 |
| Average total loans | $32,229,000 | 5,566 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4777% | 5,488 |
| Cost of funding earning assets | 0.4178% | 3,787 |
| Net interest margin | 3.0599% | 5,363 |
| Noninterest income to average assets | 0.2163% | 5,623 |
| Noninterest expense to average assets | 2.0459% | 5,792 |
| Loan and lease loss provision to assets | 0.1461% | 1,665 |
| Net operating income to assets | 0.9353% | 2,480 |
| Return on assets (ROA) | 0.9353% | 2,552 |
| Pretax return on assets | 0.9353% | 3,574 |
| Return on Equity (ROE) | 13.9952% | 945 |
| Retained earnings to average equity (ytd only) | 5.2482% | 2,963 |
| Net charge-offs to loans | -0.0372% | 5,681 |
| Credit loss provision to net charge-offs | -833.3333% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4206% | 4,622 |
| Assets per employee ($millions) | 5.2822% | 1,927 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 3,947 |
| Loan loss allowance to noncurrent loans | 1,253.1250% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.0466% | 6,142 |
| Noncurrent loans to loans | 0.1062% | 5,805 |
| Net loans and leases to total assets | 43.2836% | 5,569 |
| Net loans and leases to deposits | 46.4508% | 5,822 |
| Net loans and leases to core deposits | 47.8022% | 5,886 |
| Total domestic deposits to total assets | 93.1817% | 97 |
| Equity capital to assets | 6.7280% | 6,496 |
| Core capital (leverage) ratio | 6.9765% | 6,473 |
| Tier 1 risk-based capital ratio | 13.8111% | 4,463 |
| Total risk-based capital ratio | 14.9392% | 4,501 |
| Memoranda: | ||
| Average total assets | $68,430,000 | 5,495 |
| Average earning assets | $65,100,500 | 5,403 |
| Average equity | $4,573,000 | 6,107 |
| Average total loans | $32,259,000 | 5,620 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2574% | 6,063 |
| Cost of funding earning assets | 0.4686% | 3,929 |
| Net interest margin | 2.7888% | 5,999 |
| Noninterest income to average assets | 0.2863% | 5,312 |
| Noninterest expense to average assets | 2.1107% | 5,807 |
| Loan and lease loss provision to assets | 0.0152% | 4,823 |
| Net operating income to assets | 0.8421% | 3,076 |
| Return on assets (ROA) | 0.8452% | 3,141 |
| Pretax return on assets | 0.8010% | 4,138 |
| Return on Equity (ROE) | 12.5260% | 1,272 |
| Retained earnings to average equity (ytd only) | 7.7413% | 1,138 |
| Net charge-offs to loans | 0.0224% | 4,983 |
| Credit loss provision to net charge-offs | 142.8571% | 1,629 |
| Earnings coverage of net charge-offs (x) | 76.2857% | 570 |
| Efficiency ratio | 72.1875% | 3,442 |
| Assets per employee ($millions) | 4.8709% | 2,346 |
| Cash dividends to net income (ytd only)* | 38.1982% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 5,223 |
| Loan loss allowance to noncurrent loans | 1,332.1429% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 6,247 |
| Noncurrent loans to loans | 0.0814% | 5,971 |
| Net loans and leases to total assets | 49.8915% | 5,093 |
| Net loans and leases to deposits | 54.5977% | 5,417 |
| Net loans and leases to core deposits | 55.9536% | 5,539 |
| Total domestic deposits to total assets | 91.3802% | 447 |
| Equity capital to assets | 6.6371% | 6,546 |
| Core capital (leverage) ratio | 7.4076% | 6,411 |
| Tier 1 risk-based capital ratio | 12.7353% | 5,151 |
| Total risk-based capital ratio | 13.7174% | 5,261 |
| Memoranda: | ||
| Average total assets | $65,666,600 | 5,604 |
| Average earning assets | $62,104,600 | 5,536 |
| Average equity | $4,430,800 | 6,226 |
| Average total loans | $31,310,000 | 5,696 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1753% | 6,233 |
| Cost of funding earning assets | 0.4772% | 4,000 |
| Net interest margin | 2.6981% | 6,180 |
| Noninterest income to average assets | 0.2932% | 5,351 |
| Noninterest expense to average assets | 2.1075% | 5,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7954% | 3,374 |
| Return on assets (ROA) | 0.8057% | 3,449 |
| Pretax return on assets | 0.7462% | 4,498 |
| Return on Equity (ROE) | 11.8899% | 1,505 |
| Retained earnings to average equity (ytd only) | 5.4761% | 2,734 |
| Net charge-offs to loans | 0.0218% | 4,690 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 71.7616% | 652 |
| Efficiency ratio | 74.1168% | 3,043 |
| Assets per employee ($millions) | 4.5866% | 2,743 |
| Cash dividends to net income (ytd only)* | 53.9438% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 4,933 |
| Loan loss allowance to noncurrent loans | 3,318.1818% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 6,447 |
| Noncurrent loans to loans | 0.0357% | 6,236 |
| Net loans and leases to total assets | 47.3814% | 5,411 |
| Net loans and leases to deposits | 51.9074% | 5,715 |
| Net loans and leases to core deposits | 53.7506% | 5,784 |
| Total domestic deposits to total assets | 91.2806% | 431 |
| Equity capital to assets | 6.8678% | 6,581 |
| Core capital (leverage) ratio | 7.3394% | 6,499 |
| Tier 1 risk-based capital ratio | 12.9879% | 5,136 |
| Total risk-based capital ratio | 14.0019% | 5,231 |
| Memoranda: | ||
| Average total assets | $65,035,250 | 5,684 |
| Average earning assets | $61,473,750 | 5,614 |
| Average equity | $4,407,000 | 6,307 |
| Average total loans | $30,538,750 | 5,786 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1379% | 6,301 |
| Cost of funding earning assets | 0.4815% | 4,074 |
| Net interest margin | 2.6564% | 6,249 |
| Noninterest income to average assets | 0.2634% | 5,573 |
| Noninterest expense to average assets | 2.1008% | 5,865 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7686% | 3,476 |
| Return on assets (ROA) | 0.7993% | 3,451 |
| Pretax return on assets | 0.7105% | 4,650 |
| Return on Equity (ROE) | 11.8475% | 1,540 |
| Retained earnings to average equity (ytd only) | 4.6300% | 3,313 |
| Net charge-offs to loans | -0.0066% | 5,689 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5507% | 2,850 |
| Assets per employee ($millions) | 4.6577% | 2,576 |
| Cash dividends to net income (ytd only)* | 60.9195% | 1,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2230% | 4,872 |
| Loan loss allowance to noncurrent loans | 3,372.7273% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 6,493 |
| Noncurrent loans to loans | 0.0363% | 6,293 |
| Net loans and leases to total assets | 45.9514% | 5,537 |
| Net loans and leases to deposits | 50.5670% | 5,794 |
| Net loans and leases to core deposits | 52.3425% | 5,863 |
| Total domestic deposits to total assets | 90.8723% | 593 |
| Equity capital to assets | 6.4762% | 6,693 |
| Core capital (leverage) ratio | 6.9112% | 6,630 |
| Tier 1 risk-based capital ratio | 13.0091% | 5,138 |
| Total risk-based capital ratio | 14.0593% | 5,213 |
| Memoranda: | ||
| Average total assets | $65,309,330 | 5,715 |
| Average earning assets | $61,889,000 | 5,632 |
| Average equity | $4,406,000 | 6,355 |
| Average total loans | $30,455,000 | 5,822 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1785% | 6,317 |
| Cost of funding earning assets | 0.4855% | 4,233 |
| Net interest margin | 2.6930% | 6,223 |
| Noninterest income to average assets | 0.2509% | 5,665 |
| Noninterest expense to average assets | 2.0624% | 5,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6059% | 4,184 |
| Return on assets (ROA) | 0.6059% | 4,342 |
| Pretax return on assets | 0.7344% | 4,427 |
| Return on Equity (ROE) | 8.8049% | 2,573 |
| Retained earnings to average equity (ytd only) | 2.1345% | 4,932 |
| Net charge-offs to loans | -0.0655% | 6,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7418% | 3,307 |
| Assets per employee ($millions) | 4.8406% | 2,425 |
| Cash dividends to net income (ytd only)* | 75.7576% | 960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3221% | 4,590 |
| Loan loss allowance to noncurrent loans | 487.0130% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.1136% | 6,227 |
| Noncurrent loans to loans | 0.2715% | 5,726 |
| Net loans and leases to total assets | 41.3012% | 5,889 |
| Net loans and leases to deposits | 44.3559% | 6,176 |
| Net loans and leases to core deposits | 45.7740% | 6,221 |
| Total domestic deposits to total assets | 93.1133% | 118 |
| Equity capital to assets | 6.6713% | 6,764 |
| Core capital (leverage) ratio | 6.9728% | 6,652 |
| Tier 1 risk-based capital ratio | 15.1494% | 3,738 |
| Total risk-based capital ratio | 16.4068% | 3,687 |
| Memoranda: | ||
| Average total assets | $65,360,000 | 5,758 |
| Average earning assets | $61,790,500 | 5,684 |
| Average equity | $4,497,500 | 6,390 |
| Average total loans | $30,515,000 | 5,869 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1673% | 4,703 |
| Cost of funding earning assets | 0.6183% | 4,191 |
| Net interest margin | 3.5490% | 4,306 |
| Noninterest income to average assets | 0.2716% | 5,517 |
| Noninterest expense to average assets | 2.4163% | 5,359 |
| Loan and lease loss provision to assets | 0.0923% | 4,527 |
| Net operating income to assets | 1.0452% | 2,143 |
| Return on assets (ROA) | 1.0915% | 2,151 |
| Pretax return on assets | 1.1490% | 2,991 |
| Return on Equity (ROE) | 14.2552% | 950 |
| Retained earnings to average equity (ytd only) | 9.3443% | 736 |
| Net charge-offs to loans | 0.0140% | 5,717 |
| Credit loss provision to net charge-offs | 1,325.0000% | 193 |
| Earnings coverage of net charge-offs (x) | 171.2500% | 244 |
| Efficiency ratio | 66.9561% | 4,339 |
| Assets per employee ($millions) | 4.1968% | 3,554 |
| Cash dividends to net income (ytd only)* | 34.4498% | 3,163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 5,429 |
| Loan loss allowance to noncurrent loans | 860.4651% | 521 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 6,441 |
| Noncurrent loans to loans | 0.1316% | 6,154 |
| Net loans and leases to total assets | 51.3026% | 4,997 |
| Net loans and leases to deposits | 59.7786% | 5,049 |
| Net loans and leases to core deposits | 63.9829% | 4,956 |
| Total domestic deposits to total assets | 85.8209% | 3,447 |
| Equity capital to assets | 7.1070% | 6,752 |
| Core capital (leverage) ratio | 7.4480% | 6,523 |
| Tier 1 risk-based capital ratio | 12.3829% | 5,555 |
| Total risk-based capital ratio | 13.4026% | 5,646 |
| Memoranda: | ||
| Average total assets | $57,442,400 | 5,988 |
| Average earning assets | $54,015,200 | 5,928 |
| Average equity | $4,398,400 | 6,463 |
| Average total loans | $28,534,200 | 6,019 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9343% | 5,702 |
| Cost of funding earning assets | 0.6418% | 4,268 |
| Net interest margin | 3.2925% | 5,414 |
| Noninterest income to average assets | 0.2901% | 5,458 |
| Noninterest expense to average assets | 2.5208% | 5,012 |
| Loan and lease loss provision to assets | 0.0476% | 5,177 |
| Net operating income to assets | 0.7674% | 3,614 |
| Return on assets (ROA) | 0.8300% | 3,547 |
| Pretax return on assets | 0.8870% | 4,166 |
| Return on Equity (ROE) | 10.6250% | 2,089 |
| Retained earnings to average equity (ytd only) | 5.5408% | 3,013 |
| Net charge-offs to loans | 0.0339% | 5,171 |
| Credit loss provision to net charge-offs | 285.7143% | 944 |
| Earnings coverage of net charge-offs (x) | 52.1597% | 731 |
| Efficiency ratio | 74.3860% | 2,920 |
| Assets per employee ($millions) | 3.7527% | 4,418 |
| Cash dividends to net income (ytd only)* | 47.8509% | 1,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0868% | 5,774 |
| Loan loss allowance to noncurrent loans | 359.1398% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1652% | 6,291 |
| Noncurrent loans to loans | 0.3026% | 5,885 |
| Net loans and leases to total assets | 54.0025% | 4,747 |
| Net loans and leases to deposits | 58.7651% | 5,344 |
| Net loans and leases to core deposits | 62.3178% | 5,327 |
| Total domestic deposits to total assets | 91.8955% | 221 |
| Equity capital to assets | 7.7474% | 6,694 |
| Core capital (leverage) ratio | 7.5035% | 6,621 |
| Tier 1 risk-based capital ratio | 12.3041% | 5,760 |
| Total risk-based capital ratio | 13.2679% | 5,914 |
| Memoranda: | ||
| Average total assets | $56,065,000 | 6,088 |
| Average earning assets | $52,765,250 | 6,035 |
| Average equity | $4,379,500 | 6,548 |
| Average total loans | $27,501,250 | 6,133 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 5,964 |
| Cost of funding earning assets | 0.6533% | 4,411 |
| Net interest margin | 3.2248% | 5,660 |
| Noninterest income to average assets | 0.2965% | 5,434 |
| Noninterest expense to average assets | 2.5326% | 5,025 |
| Loan and lease loss provision to assets | 0.0357% | 5,231 |
| Net operating income to assets | 0.7102% | 3,815 |
| Return on assets (ROA) | 0.7966% | 3,661 |
| Pretax return on assets | 0.8537% | 4,264 |
| Return on Equity (ROE) | 10.1695% | 2,287 |
| Retained earnings to average equity (ytd only) | 4.7883% | 3,421 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0730% | 2,733 |
| Assets per employee ($millions) | 3.7812% | 4,364 |
| Cash dividends to net income (ytd only)* | 52.9148% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 5,476 |
| Loan loss allowance to noncurrent loans | 208.1761% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.2803% | 6,074 |
| Noncurrent loans to loans | 0.5626% | 5,382 |
| Net loans and leases to total assets | 49.2436% | 5,451 |
| Net loans and leases to deposits | 53.4699% | 5,914 |
| Net loans and leases to core deposits | 56.5087% | 5,899 |
| Total domestic deposits to total assets | 92.0960% | 209 |
| Equity capital to assets | 7.5743% | 6,768 |
| Core capital (leverage) ratio | 7.3292% | 6,702 |
| Tier 1 risk-based capital ratio | 14.0428% | 4,421 |
| Total risk-based capital ratio | 15.1529% | 4,494 |
| Memoranda: | ||
| Average total assets | $55,990,000 | 6,136 |
| Average earning assets | $52,654,000 | 6,073 |
| Average equity | $4,385,670 | 6,574 |
| Average total loans | $26,424,330 | 6,236 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 6,010 |
| Cost of funding earning assets | 0.6659% | 4,569 |
| Net interest margin | 3.2374% | 5,676 |
| Noninterest income to average assets | 0.3236% | 5,282 |
| Noninterest expense to average assets | 2.3730% | 5,562 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9276% | 2,800 |
| Return on assets (ROA) | 0.9276% | 3,003 |
| Pretax return on assets | 0.9923% | 3,701 |
| Return on Equity (ROE) | 11.6465% | 1,793 |
| Retained earnings to average equity (ytd only) | 4.8753% | 3,627 |
| Net charge-offs to loans | 0.0314% | 4,244 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 69.0000% | 485 |
| Efficiency ratio | 70.5128% | 3,717 |
| Assets per employee ($millions) | 3.7979% | 4,424 |
| Cash dividends to net income (ytd only)* | 58.1395% | 1,243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2563% | 5,216 |
| Loan loss allowance to noncurrent loans | 384.3373% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 6,521 |
| Noncurrent loans to loans | 0.3269% | 6,018 |
| Net loans and leases to total assets | 44.0117% | 6,010 |
| Net loans and leases to deposits | 47.9142% | 6,293 |
| Net loans and leases to core deposits | 49.8231% | 6,358 |
| Total domestic deposits to total assets | 91.8552% | 295 |
| Equity capital to assets | 7.8534% | 6,610 |
| Core capital (leverage) ratio | 7.4555% | 6,659 |
| Tier 1 risk-based capital ratio | 15.1863% | 3,631 |
| Total risk-based capital ratio | 16.3576% | 3,645 |
| Memoranda: | ||
| Average total assets | $55,626,000 | 6,184 |
| Average earning assets | $52,264,000 | 6,125 |
| Average equity | $4,430,500 | 6,600 |
| Average total loans | $25,506,000 | 6,338 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3623% | 5,561 |
| Cost of funding earning assets | 0.7805% | 5,000 |
| Net interest margin | 3.5818% | 4,800 |
| Noninterest income to average assets | 0.3230% | 5,231 |
| Noninterest expense to average assets | 2.7264% | 4,638 |
| Loan and lease loss provision to assets | 0.0570% | 5,885 |
| Net operating income to assets | 0.8521% | 2,810 |
| Return on assets (ROA) | 1.0924% | 1,978 |
| Pretax return on assets | 1.1722% | 2,567 |
| Return on Equity (ROE) | 13.6580% | 1,026 |
| Retained earnings to average equity (ytd only) | 6.2945% | 1,857 |
| Net charge-offs to loans | 0.1192% | 5,190 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 17.0333% | 1,293 |
| Efficiency ratio | 73.3813% | 3,328 |
| Assets per employee ($millions) | 3.6189% | 4,728 |
| Cash dividends to net income (ytd only)* | 53.9130% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2529% | 5,153 |
| Loan loss allowance to noncurrent loans | 314.7059% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1879% | 6,481 |
| Noncurrent loans to loans | 0.3981% | 5,915 |
| Net loans and leases to total assets | 46.6058% | 5,955 |
| Net loans and leases to deposits | 51.4867% | 6,256 |
| Net loans and leases to core deposits | 53.6701% | 6,323 |
| Total domestic deposits to total assets | 90.5201% | 707 |
| Equity capital to assets | 8.0817% | 6,520 |
| Core capital (leverage) ratio | 7.5537% | 6,622 |
| Tier 1 risk-based capital ratio | 15.2005% | 3,512 |
| Total risk-based capital ratio | 16.3955% | 3,516 |
| Memoranda: | ||
| Average total assets | $52,634,400 | 6,281 |
| Average earning assets | $49,584,000 | 6,207 |
| Average equity | $4,210,000 | 6,697 |
| Average total loans | $25,158,200 | 6,413 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 5,660 |
| Cost of funding earning assets | 0.7978% | 5,164 |
| Net interest margin | 3.5861% | 4,825 |
| Noninterest income to average assets | 0.3294% | 5,229 |
| Noninterest expense to average assets | 2.7548% | 4,516 |
| Loan and lease loss provision to assets | 0.0511% | 5,808 |
| Net operating income to assets | 0.8498% | 2,940 |
| Return on assets (ROA) | 1.0825% | 2,176 |
| Pretax return on assets | 1.1591% | 2,788 |
| Return on Equity (ROE) | 13.5707% | 1,144 |
| Retained earnings to average equity (ytd only) | 5.7291% | 2,721 |
| Net charge-offs to loans | 0.0905% | 5,067 |
| Credit loss provision to net charge-offs | 117.6471% | 2,775 |
| Earnings coverage of net charge-offs (x) | 22.1138% | 1,164 |
| Efficiency ratio | 73.8144% | 3,216 |
| Assets per employee ($millions) | 3.4684% | 5,072 |
| Cash dividends to net income (ytd only)* | 57.7832% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 5,143 |
| Loan loss allowance to noncurrent loans | 152.1127% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4094% | 6,057 |
| Noncurrent loans to loans | 0.8359% | 5,203 |
| Net loans and leases to total assets | 48.3566% | 5,911 |
| Net loans and leases to deposits | 53.2557% | 6,271 |
| Net loans and leases to core deposits | 55.5720% | 6,345 |
| Total domestic deposits to total assets | 90.8008% | 511 |
| Equity capital to assets | 8.3862% | 6,409 |
| Core capital (leverage) ratio | 7.6334% | 6,681 |
| Tier 1 risk-based capital ratio | 15.4551% | 3,407 |
| Total risk-based capital ratio | 16.7086% | 3,383 |
| Memoranda: | ||
| Average total assets | $52,222,250 | 6,350 |
| Average earning assets | $49,300,250 | 6,274 |
| Average equity | $4,165,750 | 6,764 |
| Average total loans | $25,042,750 | 6,478 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3414% | 5,867 |
| Cost of funding earning assets | 0.8041% | 5,340 |
| Net interest margin | 3.5373% | 4,985 |
| Noninterest income to average assets | 0.3213% | 5,326 |
| Noninterest expense to average assets | 2.7616% | 4,583 |
| Loan and lease loss provision to assets | 0.0382% | 5,836 |
| Net operating income to assets | 0.7971% | 3,092 |
| Return on assets (ROA) | 1.0595% | 2,100 |
| Pretax return on assets | 1.1322% | 2,720 |
| Return on Equity (ROE) | 13.5122% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.0732% | 2,958 |
| Net charge-offs to loans | 0.1366% | 4,379 |
| Credit loss provision to net charge-offs | 58.8235% | 4,368 |
| Earnings coverage of net charge-offs (x) | 13.7059% | 1,527 |
| Efficiency ratio | 75.2880% | 3,141 |
| Assets per employee ($millions) | 3.5548% | 4,797 |
| Cash dividends to net income (ytd only)* | 62.4549% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 5,425 |
| Loan loss allowance to noncurrent loans | 98.4424% | 2,936 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 5,713 |
| Noncurrent loans to loans | 1.2477% | 4,576 |
| Net loans and leases to total assets | 47.6558% | 6,089 |
| Net loans and leases to deposits | 54.0487% | 6,301 |
| Net loans and leases to core deposits | 55.6612% | 6,439 |
| Total domestic deposits to total assets | 88.1719% | 2,030 |
| Equity capital to assets | 7.9967% | 6,684 |
| Core capital (leverage) ratio | 7.3084% | 6,860 |
| Tier 1 risk-based capital ratio | 15.2500% | 3,372 |
| Total risk-based capital ratio | 16.4793% | 3,346 |
| Memoranda: | ||
| Average total assets | $52,287,670 | 6,400 |
| Average earning assets | $49,247,000 | 6,329 |
| Average equity | $4,100,000 | 6,821 |
| Average total loans | $24,896,330 | 6,545 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2817% | 6,062 |
| Cost of funding earning assets | 0.8116% | 5,519 |
| Net interest margin | 3.4701% | 5,143 |
| Noninterest income to average assets | 0.3245% | 5,323 |
| Noninterest expense to average assets | 2.7661% | 4,582 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7417% | 3,316 |
| Return on assets (ROA) | 0.7417% | 3,382 |
| Pretax return on assets | 0.7958% | 3,910 |
| Return on Equity (ROE) | 9.5570% | 2,263 |
| Retained earnings to average equity (ytd only) | -2.8870% | 6,274 |
| Net charge-offs to loans | 0.3268% | 2,746 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 5.1500% | 2,325 |
| Efficiency ratio | 77.2234% | 2,952 |
| Assets per employee ($millions) | 3.5840% | 4,793 |
| Cash dividends to net income (ytd only)* | 130.2083% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3286% | 4,996 |
| Loan loss allowance to noncurrent loans | 124.2798% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 6,019 |
| Noncurrent loans to loans | 1.0691% | 4,912 |
| Net loans and leases to total assets | 41.7188% | 6,649 |
| Net loans and leases to deposits | 45.2360% | 6,898 |
| Net loans and leases to core deposits | 45.6039% | 6,985 |
| Total domestic deposits to total assets | 92.2247% | 236 |
| Equity capital to assets | 7.4702% | 6,880 |
| Core capital (leverage) ratio | 7.1419% | 6,943 |
| Tier 1 risk-based capital ratio | 15.5727% | 3,122 |
| Total risk-based capital ratio | 16.8155% | 3,081 |
| Memoranda: | ||
| Average total assets | $51,770,500 | 6,466 |
| Average earning assets | $48,299,000 | 6,401 |
| Average equity | $4,018,000 | 6,881 |
| Average total loans | $24,481,000 | 6,614 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7998% | 5,407 |
| Cost of funding earning assets | 0.9550% | 5,913 |
| Net interest margin | 3.8448% | 3,757 |
| Noninterest income to average assets | 0.4198% | 4,746 |
| Noninterest expense to average assets | 2.9697% | 3,957 |
| Loan and lease loss provision to assets | 0.1259% | 5,903 |
| Net operating income to assets | 0.8677% | 2,522 |
| Return on assets (ROA) | 1.0473% | 1,981 |
| Pretax return on assets | 1.1249% | 2,483 |
| Return on Equity (ROE) | 12.5314% | 1,211 |
| Retained earnings to average equity (ytd only) | 3.1140% | 3,682 |
| Net charge-offs to loans | 0.4150% | 3,962 |
| Credit loss provision to net charge-offs | 56.0748% | 6,155 |
| Earnings coverage of net charge-offs (x) | 4.7103% | 2,835 |
| Efficiency ratio | 73.1631% | 3,566 |
| Assets per employee ($millions) | 3.3187% | 5,390 |
| Cash dividends to net income (ytd only)* | 75.1503% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1818% | 5,600 |
| Loan loss allowance to noncurrent loans | 104.0268% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 0.6308% | 5,739 |
| Noncurrent loans to loans | 1.1360% | 4,842 |
| Net loans and leases to total assets | 52.0721% | 5,898 |
| Net loans and leases to deposits | 56.9314% | 6,360 |
| Net loans and leases to core deposits | 57.7971% | 6,577 |
| Total domestic deposits to total assets | 91.4646% | 410 |
| Equity capital to assets | 8.0754% | 6,407 |
| Core capital (leverage) ratio | 7.7230% | 6,524 |
| Tier 1 risk-based capital ratio | 14.6492% | 3,452 |
| Total risk-based capital ratio | 15.8409% | 3,446 |
| Memoranda: | ||
| Average total assets | $47,647,400 | 6,611 |
| Average earning assets | $44,709,800 | 6,554 |
| Average equity | $3,982,000 | 7,011 |
| Average total loans | $25,784,600 | 6,622 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9012% | 5,261 |
| Cost of funding earning assets | 1.0148% | 5,873 |
| Net interest margin | 3.8864% | 3,583 |
| Noninterest income to average assets | 0.4386% | 4,650 |
| Noninterest expense to average assets | 2.9997% | 3,747 |
| Loan and lease loss provision to assets | 0.1274% | 5,751 |
| Net operating income to assets | 0.8532% | 2,802 |
| Return on assets (ROA) | 0.9820% | 2,411 |
| Pretax return on assets | 1.0839% | 2,881 |
| Return on Equity (ROE) | 11.6466% | 1,605 |
| Retained earnings to average equity (ytd only) | -0.9397% | 6,005 |
| Net charge-offs to loans | 0.3739% | 3,806 |
| Credit loss provision to net charge-offs | 62.5000% | 5,627 |
| Earnings coverage of net charge-offs (x) | 5.2499% | 2,796 |
| Efficiency ratio | 73.1572% | 3,493 |
| Assets per employee ($millions) | 3.1368% | 5,836 |
| Cash dividends to net income (ytd only)* | 108.0686% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2681% | 5,123 |
| Loan loss allowance to noncurrent loans | 119.1336% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.6248% | 5,882 |
| Noncurrent loans to loans | 1.0644% | 5,114 |
| Net loans and leases to total assets | 54.6055% | 5,757 |
| Net loans and leases to deposits | 61.9213% | 6,124 |
| Net loans and leases to core deposits | 62.9530% | 6,381 |
| Total domestic deposits to total assets | 88.1854% | 1,860 |
| Equity capital to assets | 8.4396% | 6,344 |
| Core capital (leverage) ratio | 7.6888% | 6,683 |
| Tier 1 risk-based capital ratio | 14.3350% | 3,607 |
| Total risk-based capital ratio | 15.5851% | 3,570 |
| Memoranda: | ||
| Average total assets | $47,114,000 | 6,715 |
| Average earning assets | $44,015,750 | 6,658 |
| Average equity | $3,972,500 | 7,102 |
| Average total loans | $25,672,750 | 6,719 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8736% | 5,512 |
| Cost of funding earning assets | 1.0395% | 5,968 |
| Net interest margin | 3.8341% | 3,742 |
| Noninterest income to average assets | 0.4243% | 4,720 |
| Noninterest expense to average assets | 3.0211% | 3,631 |
| Loan and lease loss provision to assets | 0.1061% | 5,854 |
| Net operating income to assets | 0.8059% | 2,943 |
| Return on assets (ROA) | 0.9717% | 2,374 |
| Pretax return on assets | 1.0438% | 2,960 |
| Return on Equity (ROE) | 11.5278% | 1,591 |
| Retained earnings to average equity (ytd only) | -3.0707% | 6,310 |
| Net charge-offs to loans | 0.2270% | 4,240 |
| Credit loss provision to net charge-offs | 86.2069% | 4,541 |
| Earnings coverage of net charge-offs (x) | 7.8966% | 2,216 |
| Efficiency ratio | 75.1328% | 3,238 |
| Assets per employee ($millions) | 2.9988% | 6,140 |
| Cash dividends to net income (ytd only)* | 126.6376% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 4,386 |
| Loan loss allowance to noncurrent loans | 94.1333% | 2,918 |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 5,556 |
| Noncurrent loans to loans | 1.4956% | 4,460 |
| Net loans and leases to total assets | 51.5236% | 6,264 |
| Net loans and leases to deposits | 58.5071% | 6,540 |
| Net loans and leases to core deposits | 59.8774% | 6,722 |
| Total domestic deposits to total assets | 88.0638% | 1,965 |
| Equity capital to assets | 8.2534% | 6,477 |
| Core capital (leverage) ratio | 7.5929% | 6,745 |
| Tier 1 risk-based capital ratio | 14.6174% | 3,372 |
| Total risk-based capital ratio | 15.8692% | 3,345 |
| Memoranda: | ||
| Average total assets | $47,134,670 | 6,760 |
| Average earning assets | $43,869,000 | 6,704 |
| Average equity | $3,973,000 | 7,134 |
| Average total loans | $25,556,000 | 6,770 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9828% | 5,098 |
| Cost of funding earning assets | 1.0631% | 6,070 |
| Net interest margin | 3.9197% | 3,241 |
| Noninterest income to average assets | 0.4367% | 4,586 |
| Noninterest expense to average assets | 3.1170% | 3,199 |
| Loan and lease loss provision to assets | 0.2141% | 4,372 |
| Net operating income to assets | 0.6847% | 3,502 |
| Return on assets (ROA) | 0.9077% | 2,582 |
| Pretax return on assets | 0.9762% | 3,181 |
| Return on Equity (ROE) | 10.6546% | 1,888 |
| Retained earnings to average equity (ytd only) | 0.6031% | 5,581 |
| Net charge-offs to loans | -0.0310% | 7,207 |
| Credit loss provision to net charge-offs | -1,250.0000% | 6,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0000% | 3,215 |
| Assets per employee ($millions) | 3.2031% | 5,761 |
| Cash dividends to net income (ytd only)* | 94.3396% | 649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5698% | 3,577 |
| Loan loss allowance to noncurrent loans | 218.1818% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3663% | 6,560 |
| Noncurrent loans to loans | 0.7195% | 5,887 |
| Net loans and leases to total assets | 50.1134% | 6,453 |
| Net loans and leases to deposits | 54.8424% | 6,859 |
| Net loans and leases to core deposits | 56.5782% | 6,958 |
| Total domestic deposits to total assets | 91.3772% | 414 |
| Equity capital to assets | 8.2544% | 6,366 |
| Core capital (leverage) ratio | 7.9355% | 6,334 |
| Tier 1 risk-based capital ratio | 14.7707% | 3,222 |
| Total risk-based capital ratio | 16.0213% | 3,182 |
| Memoranda: | ||
| Average total assets | $46,712,000 | 6,853 |
| Average earning assets | $43,269,000 | 6,810 |
| Average equity | $3,979,500 | 7,199 |
| Average total loans | $25,797,000 | 6,835 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4909% | 4,188 |
| Cost of funding earning assets | 1.2510% | 6,468 |
| Net interest margin | 4.2399% | 1,937 |
| Noninterest income to average assets | 0.4914% | 4,482 |
| Noninterest expense to average assets | 3.1051% | 3,717 |
| Loan and lease loss provision to assets | 0.2755% | 5,207 |
| Net operating income to assets | 0.9892% | 1,874 |
| Return on assets (ROA) | 1.1195% | 1,502 |
| Pretax return on assets | 1.2275% | 1,876 |
| Return on Equity (ROE) | 13.4705% | 874 |
| Retained earnings to average equity (ytd only) | 5.6481% | 1,500 |
| Net charge-offs to loans | 0.2923% | 4,807 |
| Credit loss provision to net charge-offs | 162.3377% | 2,717 |
| Earnings coverage of net charge-offs (x) | 8.0130% | 2,020 |
| Efficiency ratio | 69.0030% | 4,827 |
| Assets per employee ($millions) | 2.8361% | 6,597 |
| Cash dividends to net income (ytd only)* | 58.0709% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 4,670 |
| Loan loss allowance to noncurrent loans | 285.6000% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.2755% | 6,764 |
| Noncurrent loans to loans | 0.4607% | 6,340 |
| Net loans and leases to total assets | 59.0057% | 5,485 |
| Net loans and leases to deposits | 65.5158% | 6,112 |
| Net loans and leases to core deposits | 76.0437% | 6,398 |
| Total domestic deposits to total assets | 90.0632% | 931 |
| Equity capital to assets | 8.7996% | 5,440 |
| Core capital (leverage) ratio | 8.2072% | 5,801 |
| Tier 1 risk-based capital ratio | 13.6138% | 3,746 |
| Total risk-based capital ratio | 14.8656% | 3,685 |
| Memoranda: | ||
| Average total assets | $45,376,800 | 6,900 |
| Average earning assets | $42,524,600 | 6,840 |
| Average equity | $3,771,200 | 7,363 |
| Average total loans | $26,345,200 | 6,838 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4978% | 4,431 |
| Cost of funding earning assets | 1.2831% | 6,612 |
| Net interest margin | 4.2147% | 1,991 |
| Noninterest income to average assets | 0.4848% | 4,624 |
| Noninterest expense to average assets | 3.1058% | 3,634 |
| Loan and lease loss provision to assets | 0.2498% | 4,954 |
| Net operating income to assets | 1.0145% | 2,003 |
| Return on assets (ROA) | 1.1812% | 1,566 |
| Pretax return on assets | 1.2752% | 2,027 |
| Return on Equity (ROE) | 14.4248% | 850 |
| Retained earnings to average equity (ytd only) | 6.1718% | 1,865 |
| Net charge-offs to loans | 0.1581% | 5,124 |
| Credit loss provision to net charge-offs | 274.1935% | 1,549 |
| Earnings coverage of net charge-offs (x) | 14.7750% | 1,576 |
| Efficiency ratio | 69.2409% | 4,733 |
| Assets per employee ($millions) | 2.8413% | 6,556 |
| Cash dividends to net income (ytd only)* | 57.2138% | 1,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 4,229 |
| Loan loss allowance to noncurrent loans | 122.2222% | 2,330 |
| Noncurrent assets plus other real estate owned to assets | 0.6533% | 5,826 |
| Noncurrent loans to loans | 1.1017% | 5,111 |
| Net loans and leases to total assets | 58.5020% | 5,812 |
| Net loans and leases to deposits | 67.8202% | 6,140 |
| Net loans and leases to core deposits | 77.9363% | 6,496 |
| Total domestic deposits to total assets | 86.2604% | 2,563 |
| Equity capital to assets | 8.6164% | 6,090 |
| Core capital (leverage) ratio | 7.8678% | 6,545 |
| Tier 1 risk-based capital ratio | 13.5219% | 3,833 |
| Total risk-based capital ratio | 14.8093% | 3,744 |
| Memoranda: | ||
| Average total assets | $45,376,750 | 6,946 |
| Average earning assets | $42,706,750 | 6,881 |
| Average equity | $3,715,750 | 7,443 |
| Average total loans | $26,148,500 | 6,908 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4319% | 4,987 |
| Cost of funding earning assets | 1.3121% | 6,765 |
| Net interest margin | 4.1198% | 2,254 |
| Noninterest income to average assets | 0.4939% | 4,496 |
| Noninterest expense to average assets | 3.1225% | 3,613 |
| Loan and lease loss provision to assets | 0.3087% | 4,104 |
| Net operating income to assets | 0.8597% | 2,614 |
| Return on assets (ROA) | 1.0320% | 2,080 |
| Pretax return on assets | 1.1114% | 2,602 |
| Return on Equity (ROE) | 12.8266% | 1,214 |
| Retained earnings to average equity (ytd only) | 3.2341% | 3,516 |
| Net charge-offs to loans | 0.2319% | 4,047 |
| Credit loss provision to net charge-offs | 233.3333% | 1,984 |
| Earnings coverage of net charge-offs (x) | 9.3333% | 2,142 |
| Efficiency ratio | 71.1538% | 4,569 |
| Assets per employee ($millions) | 2.9119% | 6,354 |
| Cash dividends to net income (ytd only)* | 74.7863% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3246% | 4,129 |
| Loan loss allowance to noncurrent loans | 129.2593% | 2,272 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 5,969 |
| Noncurrent loans to loans | 1.0247% | 5,167 |
| Net loans and leases to total assets | 55.8038% | 6,224 |
| Net loans and leases to deposits | 64.1935% | 6,544 |
| Net loans and leases to core deposits | 73.3896% | 6,824 |
| Total domestic deposits to total assets | 86.9307% | 2,288 |
| Equity capital to assets | 7.8858% | 6,880 |
| Core capital (leverage) ratio | 7.6861% | 6,777 |
| Tier 1 risk-based capital ratio | 13.3225% | 3,921 |
| Total risk-based capital ratio | 14.5725% | 3,851 |
| Memoranda: | ||
| Average total assets | $45,349,000 | 7,005 |
| Average earning assets | $42,526,330 | 6,945 |
| Average equity | $3,648,670 | 7,524 |
| Average total loans | $25,878,670 | 6,972 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5414% | 4,684 |
| Cost of funding earning assets | 1.3445% | 6,892 |
| Net interest margin | 4.1968% | 1,907 |
| Noninterest income to average assets | 0.4471% | 4,805 |
| Noninterest expense to average assets | 3.2015% | 2,979 |
| Loan and lease loss provision to assets | 0.5366% | 2,327 |
| Net operating income to assets | 0.5659% | 4,158 |
| Return on assets (ROA) | 0.9032% | 2,842 |
| Pretax return on assets | 0.9837% | 3,406 |
| Return on Equity (ROE) | 11.1111% | 1,935 |
| Retained earnings to average equity (ytd only) | 0.1100% | 5,616 |
| Net charge-offs to loans | 0.5459% | 2,090 |
| Credit loss provision to net charge-offs | 171.4286% | 2,499 |
| Earnings coverage of net charge-offs (x) | 3.6857% | 3,100 |
| Efficiency ratio | 72.8953% | 4,023 |
| Assets per employee ($millions) | 2.8611% | 6,501 |
| Cash dividends to net income (ytd only)* | 99.0099% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 3,729 |
| Loan loss allowance to noncurrent loans | 133.0677% | 2,387 |
| Noncurrent assets plus other real estate owned to assets | 0.5483% | 5,827 |
| Noncurrent loans to loans | 1.0223% | 4,952 |
| Net loans and leases to total assets | 52.9065% | 6,588 |
| Net loans and leases to deposits | 57.8060% | 7,049 |
| Net loans and leases to core deposits | 66.1414% | 7,234 |
| Total domestic deposits to total assets | 91.5241% | 271 |
| Equity capital to assets | 7.9647% | 6,863 |
| Core capital (leverage) ratio | 7.9549% | 6,538 |
| Tier 1 risk-based capital ratio | 13.0214% | 4,170 |
| Total risk-based capital ratio | 14.2798% | 4,084 |
| Memoranda: | ||
| Average total assets | $44,728,500 | 7,069 |
| Average earning assets | $41,650,500 | 7,032 |
| Average equity | $3,636,000 | 7,580 |
| Average total loans | $25,644,000 | 7,016 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2194% | 4,416 |
| Cost of funding earning assets | 1.8392% | 6,903 |
| Net interest margin | 4.3802% | 1,750 |
| Noninterest income to average assets | 0.5341% | 4,371 |
| Noninterest expense to average assets | 3.0982% | 3,699 |
| Loan and lease loss provision to assets | 0.4624% | 2,984 |
| Net operating income to assets | 0.9722% | 2,679 |
| Return on assets (ROA) | 0.9873% | 2,479 |
| Pretax return on assets | 1.0589% | 3,186 |
| Return on Equity (ROE) | 12.7615% | 1,392 |
| Retained earnings to average equity (ytd only) | 8.1291% | 806 |
| Net charge-offs to loans | 0.7926% | 1,572 |
| Credit loss provision to net charge-offs | 97.0874% | 5,475 |
| Earnings coverage of net charge-offs (x) | 3.1602% | 4,505 |
| Efficiency ratio | 66.7504% | 4,959 |
| Assets per employee ($millions) | 2.5694% | 7,063 |
| Cash dividends to net income (ytd only)* | 36.2998% | 3,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1558% | 4,875 |
| Loan loss allowance to noncurrent loans | 98.4076% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 5,071 |
| Noncurrent loans to loans | 1.1745% | 4,174 |
| Net loans and leases to total assets | 60.4991% | 5,837 |
| Net loans and leases to deposits | 66.3903% | 6,612 |
| Net loans and leases to core deposits | 76.1118% | 6,854 |
| Total domestic deposits to total assets | 91.1264% | 292 |
| Equity capital to assets | 8.3013% | 6,420 |
| Core capital (leverage) ratio | 8.1262% | 6,286 |
| Tier 1 risk-based capital ratio | 10.8814% | 5,832 |
| Total risk-based capital ratio | 11.8552% | 5,997 |
| Memoranda: | ||
| Average total assets | $43,251,400 | 7,065 |
| Average earning assets | $40,180,600 | 7,033 |
| Average equity | $3,346,000 | 7,736 |
| Average total loans | $25,989,000 | 6,966 |