Home > Platte Valley Bank > Performance and Condition Ratios
Platte Valley 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 | 4.2830% | 3,466 |
| Cost of funding earning assets | 1.0049% | 3,279 |
| Net interest margin | 3.2781% | 2,684 |
| Noninterest income to average assets | 0.2400% | 3,502 |
| Noninterest expense to average assets | 2.0771% | 3,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0366% | 2,105 |
| Return on assets (ROA) | 1.0366% | 2,082 |
| Pretax return on assets | 1.2921% | 1,889 |
| Return on Equity (ROE) | 9.1400% | 2,722 |
| Retained earnings to average equity (ytd only) | 4.8259% | 2,666 |
| Net charge-offs to loans | -0.0024% | 3,709 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 61.6502% | 2,880 |
| Assets per employee ($millions) | 11.0500% | 525 |
| Cash dividends to net income (ytd only)* | 47.2144% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0461% | 3,084 |
| Loan loss allowance to noncurrent loans | 7,983.3333% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,761 |
| Noncurrent loans to loans | 0.0131% | 3,657 |
| Net loans and leases to total assets | 45.5600% | 3,833 |
| Net loans and leases to deposits | 53.6799% | 3,811 |
| Net loans and leases to core deposits | 56.8033% | 3,883 |
| Total domestic deposits to total assets | 84.8700% | 2,349 |
| Equity capital to assets | 11.9759% | 1,132 |
| Core capital (leverage) ratio | 14.1718% | 767 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $102,162,400 | 3,812 |
| Average earning assets | $97,617,800 | 3,768 |
| Average equity | $11,583,400 | 3,566 |
| Average total loans | $41,952,600 | 3,962 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2142% | 3,442 |
| Cost of funding earning assets | 0.8439% | 3,417 |
| Net interest margin | 3.3703% | 2,523 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 1.9655% | 3,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1915% | 1,820 |
| Return on assets (ROA) | 1.1915% | 1,805 |
| Pretax return on assets | 1.4896% | 1,576 |
| Return on Equity (ROE) | 10.6500% | 2,466 |
| Retained earnings to average equity (ytd only) | 10.6532% | 1,229 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 56.8856% | 3,323 |
| Assets per employee ($millions) | 10.9534% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 2,890 |
| Loan loss allowance to noncurrent loans | 7,966.6667% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,805 |
| Noncurrent loans to loans | 0.0137% | 3,695 |
| Net loans and leases to total assets | 43.8200% | 3,922 |
| Net loans and leases to deposits | 50.0307% | 3,932 |
| Net loans and leases to core deposits | 51.8392% | 3,986 |
| Total domestic deposits to total assets | 87.5800% | 1,710 |
| Equity capital to assets | 11.8684% | 1,073 |
| Core capital (leverage) ratio | 14.1916% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $102,840,500 | 3,821 |
| Average earning assets | $98,110,750 | 3,779 |
| Average equity | $11,501,750 | 3,576 |
| Average total loans | $40,994,000 | 3,984 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0618% | 3,565 |
| Cost of funding earning assets | 0.7028% | 3,480 |
| Net interest margin | 3.3590% | 2,616 |
| Noninterest income to average assets | 0.2400% | 3,497 |
| Noninterest expense to average assets | 2.0065% | 3,580 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.1452% | 1,981 |
| Return on assets (ROA) | 1.1452% | 1,980 |
| Pretax return on assets | 1.4291% | 1,745 |
| Return on Equity (ROE) | 10.4400% | 2,576 |
| Retained earnings to average equity (ytd only) | 10.4410% | 1,298 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 58.4031% | 3,147 |
| Assets per employee ($millions) | 10.0033% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 2,286 |
| Loan loss allowance to noncurrent loans | 7,966.6667% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.0060% | 3,802 |
| Noncurrent loans to loans | 0.0154% | 3,658 |
| Net loans and leases to total assets | 38.3500% | 4,100 |
| Net loans and leases to deposits | 43.5783% | 4,119 |
| Net loans and leases to core deposits | 44.1591% | 4,173 |
| Total domestic deposits to total assets | 88.0100% | 1,599 |
| Equity capital to assets | 11.5952% | 1,177 |
| Core capital (leverage) ratio | 13.8362% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $104,260,333 | 3,820 |
| Average earning assets | $99,315,667 | 3,783 |
| Average equity | $11,435,667 | 3,597 |
| Average total loans | $40,101,000 | 4,010 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9444% | 3,572 |
| Cost of funding earning assets | 0.5296% | 3,597 |
| Net interest margin | 3.4148% | 2,593 |
| Noninterest income to average assets | 0.2400% | 3,496 |
| Noninterest expense to average assets | 1.9478% | 3,752 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2371% | 1,830 |
| Return on assets (ROA) | 1.2371% | 1,802 |
| Pretax return on assets | 1.5455% | 1,581 |
| Return on Equity (ROE) | 11.5900% | 2,325 |
| Retained earnings to average equity (ytd only) | 11.5906% | 1,342 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.7589% | 3,428 |
| Assets per employee ($millions) | 9.2655% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2357% | 2,360 |
| Loan loss allowance to noncurrent loans | 6,828.5714% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,811 |
| Noncurrent loans to loans | 0.0181% | 3,657 |
| Net loans and leases to total assets | 37.4800% | 4,137 |
| Net loans and leases to deposits | 42.4725% | 4,147 |
| Net loans and leases to core deposits | 43.0249% | 4,199 |
| Total domestic deposits to total assets | 88.2500% | 1,839 |
| Equity capital to assets | 11.4756% | 1,162 |
| Core capital (leverage) ratio | 13.1041% | 952 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $106,374,000 | 3,854 |
| Average earning assets | $101,205,500 | 3,810 |
| Average equity | $11,354,000 | 3,637 |
| Average total loans | $40,730,000 | 4,056 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9726% | 4,165 |
| Cost of funding earning assets | 0.1745% | 3,959 |
| Net interest margin | 2.7982% | 3,899 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.8951% | 3,836 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8332% | 3,211 |
| Return on assets (ROA) | 0.8332% | 3,135 |
| Pretax return on assets | 1.0370% | 2,956 |
| Return on Equity (ROE) | 7.7600% | 3,443 |
| Retained earnings to average equity (ytd only) | 3.8969% | 3,431 |
| Net charge-offs to loans | -0.0510% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.6338% | 2,414 |
| Assets per employee ($millions) | 11.0827% | 492 |
| Cash dividends to net income (ytd only)* | 49.7788% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1174% | 2,804 |
| Loan loss allowance to noncurrent loans | 5,975.0000% | 251 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,836 |
| Noncurrent loans to loans | 0.0187% | 3,686 |
| Net loans and leases to total assets | 38.1700% | 4,138 |
| Net loans and leases to deposits | 43.6578% | 4,128 |
| Net loans and leases to core deposits | 44.1831% | 4,171 |
| Total domestic deposits to total assets | 87.4200% | 2,260 |
| Equity capital to assets | 9.9362% | 1,737 |
| Core capital (leverage) ratio | 12.2477% | 1,175 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $108,491,000 | 3,852 |
| Average earning assets | $104,889,800 | 3,790 |
| Average equity | $11,650,200 | 3,702 |
| Average total loans | $41,196,600 | 4,047 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6964% | 4,295 |
| Cost of funding earning assets | 0.1095% | 4,203 |
| Net interest margin | 2.5869% | 4,119 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.7854% | 4,008 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7710% | 3,350 |
| Return on assets (ROA) | 0.7710% | 3,308 |
| Pretax return on assets | 0.9551% | 3,162 |
| Return on Equity (ROE) | 7.0400% | 3,588 |
| Retained earnings to average equity (ytd only) | 7.0449% | 2,345 |
| Net charge-offs to loans | -0.0686% | 4,390 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.1488% | 2,391 |
| Assets per employee ($millions) | 9.0692% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1177% | 2,933 |
| Loan loss allowance to noncurrent loans | 5,311.1111% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 3,918 |
| Noncurrent loans to loans | 0.0210% | 3,759 |
| Net loans and leases to total assets | 38.8600% | 4,109 |
| Net loans and leases to deposits | 43.4196% | 4,130 |
| Net loans and leases to core deposits | 43.9384% | 4,173 |
| Total domestic deposits to total assets | 89.4900% | 1,878 |
| Equity capital to assets | 10.2113% | 1,517 |
| Core capital (leverage) ratio | 12.6695% | 1,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $107,907,000 | 3,875 |
| Average earning assets | $104,679,250 | 3,809 |
| Average equity | $11,809,750 | 3,734 |
| Average total loans | $40,801,250 | 4,073 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4600% | 4,410 |
| Cost of funding earning assets | 0.0900% | 4,291 |
| Net interest margin | 2.3701% | 4,259 |
| Noninterest income to average assets | 0.2323% | 3,787 |
| Noninterest expense to average assets | 1.7677% | 4,022 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6264% | 3,554 |
| Return on assets (ROA) | 0.6264% | 3,502 |
| Pretax return on assets | 0.7658% | 3,416 |
| Return on Equity (ROE) | 5.5971% | 3,680 |
| Retained earnings to average equity (ytd only) | 5.5971% | 2,472 |
| Net charge-offs to loans | -0.1046% | 4,454 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7726% | 1,993 |
| Assets per employee ($millions) | 8.8662% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2264% | 2,558 |
| Loan loss allowance to noncurrent loans | 4,780.0000% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 3,937 |
| Noncurrent loans to loans | 0.0257% | 3,764 |
| Net loans and leases to total assets | 36.1834% | 4,239 |
| Net loans and leases to deposits | 40.6580% | 4,246 |
| Net loans and leases to core deposits | 41.1574% | 4,292 |
| Total domestic deposits to total assets | 88.9947% | 2,189 |
| Equity capital to assets | 10.8408% | 1,289 |
| Core capital (leverage) ratio | 12.1548% | 1,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,599,333 | 3,916 |
| Average earning assets | $104,469,667 | 3,864 |
| Average equity | $12,042,000 | 3,783 |
| Average total loans | $40,146,000 | 4,135 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2540% | 4,495 |
| Cost of funding earning assets | 0.0876% | 4,276 |
| Net interest margin | 2.1664% | 4,382 |
| Noninterest income to average assets | 0.2292% | 3,780 |
| Noninterest expense to average assets | 1.7892% | 3,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4547% | 3,833 |
| Return on assets (ROA) | 0.4547% | 3,800 |
| Pretax return on assets | 0.5434% | 3,771 |
| Return on Equity (ROE) | 4.0013% | 3,878 |
| Retained earnings to average equity (ytd only) | 4.0013% | 2,935 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7036% | 1,449 |
| Assets per employee ($millions) | 9.2259% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2304% | 2,697 |
| Loan loss allowance to noncurrent loans | 4,154.5455% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0099% | 3,969 |
| Noncurrent loans to loans | 0.0296% | 3,783 |
| Net loans and leases to total assets | 33.1358% | 4,333 |
| Net loans and leases to deposits | 37.2168% | 4,348 |
| Net loans and leases to core deposits | 37.6554% | 4,385 |
| Total domestic deposits to total assets | 89.0345% | 2,068 |
| Equity capital to assets | 10.8237% | 1,424 |
| Core capital (leverage) ratio | 12.1331% | 1,018 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $108,202,000 | 3,933 |
| Average earning assets | $105,059,000 | 3,871 |
| Average equity | $12,296,000 | 3,833 |
| Average total loans | $40,731,500 | 4,147 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8760% | 4,095 |
| Cost of funding earning assets | 0.1079% | 4,326 |
| Net interest margin | 2.7681% | 3,733 |
| Noninterest income to average assets | 0.2232% | 4,036 |
| Noninterest expense to average assets | 1.9882% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7179% | 3,578 |
| Return on assets (ROA) | 0.7179% | 3,637 |
| Pretax return on assets | 0.9027% | 3,512 |
| Return on Equity (ROE) | 5.6542% | 3,850 |
| Retained earnings to average equity (ytd only) | 2.7913% | 3,728 |
| Net charge-offs to loans | -0.0161% | 3,902 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7740% | 1,886 |
| Assets per employee ($millions) | 8.8078% | 980 |
| Cash dividends to net income (ytd only)* | 50.6329% | 1,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0311% | 3,628 |
| Loan loss allowance to noncurrent loans | 3,515.3846% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,019 |
| Noncurrent loans to loans | 0.0293% | 3,864 |
| Net loans and leases to total assets | 41.5013% | 4,001 |
| Net loans and leases to deposits | 48.6141% | 3,961 |
| Net loans and leases to core deposits | 49.2406% | 4,045 |
| Total domestic deposits to total assets | 85.3689% | 3,148 |
| Equity capital to assets | 11.9298% | 1,281 |
| Core capital (leverage) ratio | 12.4638% | 942 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,035,200 | 3,996 |
| Average earning assets | $95,445,800 | 3,959 |
| Average equity | $12,574,800 | 3,871 |
| Average total loans | $43,489,600 | 4,122 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0474% | 3,910 |
| Cost of funding earning assets | 0.1124% | 4,408 |
| Net interest margin | 2.9350% | 3,469 |
| Noninterest income to average assets | 0.2232% | 4,069 |
| Noninterest expense to average assets | 1.9814% | 3,739 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8476% | 3,397 |
| Return on assets (ROA) | 0.8476% | 3,454 |
| Pretax return on assets | 1.0667% | 3,279 |
| Return on Equity (ROE) | 6.5677% | 3,780 |
| Retained earnings to average equity (ytd only) | 2.7480% | 3,985 |
| Net charge-offs to loans | -0.0216% | 3,996 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0045% | 2,245 |
| Assets per employee ($millions) | 8.4224% | 1,076 |
| Cash dividends to net income (ytd only)* | 58.1583% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0941% | 3,465 |
| Loan loss allowance to noncurrent loans | 3,046.6667% | 337 |
| Noncurrent assets plus other real estate owned to assets | 0.0148% | 4,118 |
| Noncurrent loans to loans | 0.0359% | 3,950 |
| Net loans and leases to total assets | 40.8750% | 4,159 |
| Net loans and leases to deposits | 47.4632% | 4,148 |
| Net loans and leases to core deposits | 48.0971% | 4,232 |
| Total domestic deposits to total assets | 86.1194% | 2,701 |
| Equity capital to assets | 12.5132% | 1,167 |
| Core capital (leverage) ratio | 12.7324% | 918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,370,750 | 4,062 |
| Average earning assets | $93,716,750 | 4,027 |
| Average equity | $12,566,250 | 3,929 |
| Average total loans | $43,281,750 | 4,180 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3357% | 3,342 |
| Cost of funding earning assets | 0.1164% | 4,466 |
| Net interest margin | 3.2194% | 2,698 |
| Noninterest income to average assets | 0.2517% | 3,894 |
| Noninterest expense to average assets | 2.0075% | 3,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0735% | 2,635 |
| Return on assets (ROA) | 1.0735% | 2,711 |
| Pretax return on assets | 1.3522% | 2,471 |
| Return on Equity (ROE) | 8.2301% | 3,338 |
| Retained earnings to average equity (ytd only) | 4.2426% | 3,442 |
| Net charge-offs to loans | -0.0320% | 4,179 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7523% | 3,046 |
| Assets per employee ($millions) | 8.3753% | 1,049 |
| Cash dividends to net income (ytd only)* | 48.4496% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 3,252 |
| Loan loss allowance to noncurrent loans | 2,856.2500% | 318 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,182 |
| Noncurrent loans to loans | 0.0398% | 3,996 |
| Net loans and leases to total assets | 39.4973% | 4,308 |
| Net loans and leases to deposits | 45.5381% | 4,324 |
| Net loans and leases to core deposits | 46.1447% | 4,389 |
| Total domestic deposits to total assets | 86.7347% | 2,454 |
| Equity capital to assets | 12.6175% | 1,082 |
| Core capital (leverage) ratio | 12.8529% | 835 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,138,000 | 4,103 |
| Average earning assets | $92,813,333 | 4,060 |
| Average equity | $12,539,333 | 3,940 |
| Average total loans | $43,786,000 | 4,199 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3868% | 3,238 |
| Cost of funding earning assets | 0.1233% | 4,507 |
| Net interest margin | 3.2635% | 2,501 |
| Noninterest income to average assets | 0.2810% | 3,716 |
| Noninterest expense to average assets | 1.9924% | 3,740 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.1452% | 2,347 |
| Return on assets (ROA) | 1.1452% | 2,413 |
| Pretax return on assets | 1.4432% | 2,157 |
| Return on Equity (ROE) | 8.6297% | 3,152 |
| Retained earnings to average equity (ytd only) | 0.6095% | 4,285 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9926% | 3,300 |
| Assets per employee ($millions) | 7.8148% | 1,276 |
| Cash dividends to net income (ytd only)* | 92.9368% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 3,775 |
| Loan loss allowance to noncurrent loans | 1,097.5610% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0437% | 4,063 |
| Noncurrent loans to loans | 0.0928% | 3,841 |
| Net loans and leases to total assets | 46.6490% | 3,910 |
| Net loans and leases to deposits | 54.3280% | 3,917 |
| Net loans and leases to core deposits | 55.1110% | 4,038 |
| Total domestic deposits to total assets | 85.8654% | 2,786 |
| Equity capital to assets | 13.2708% | 844 |
| Core capital (leverage) ratio | 13.4145% | 755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,955,500 | 4,143 |
| Average earning assets | $90,824,000 | 4,087 |
| Average equity | $12,468,500 | 3,959 |
| Average total loans | $45,602,500 | 4,177 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4544% | 4,108 |
| Cost of funding earning assets | 0.2154% | 4,527 |
| Net interest margin | 3.2390% | 3,250 |
| Noninterest income to average assets | 0.2415% | 4,046 |
| Noninterest expense to average assets | 2.0151% | 4,113 |
| Loan and lease loss provision to assets | 0.4188% | 717 |
| Net operating income to assets | 0.7400% | 3,298 |
| Return on assets (ROA) | 0.7400% | 3,421 |
| Pretax return on assets | 0.9228% | 3,307 |
| Return on Equity (ROE) | 5.4675% | 3,760 |
| Retained earnings to average equity (ytd only) | 5.4675% | 2,064 |
| Net charge-offs to loans | 0.9232% | 148 |
| Credit loss provision to net charge-offs | 84.7534% | 2,960 |
| Earnings coverage of net charge-offs (x) | 2.7152% | 3,137 |
| Efficiency ratio | 60.0330% | 3,453 |
| Assets per employee ($millions) | 7.8445% | 1,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 4,008 |
| Loan loss allowance to noncurrent loans | 2,142.8571% | 368 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 4,280 |
| Noncurrent loans to loans | 0.0447% | 4,120 |
| Net loans and leases to total assets | 49.4603% | 3,864 |
| Net loans and leases to deposits | 59.1556% | 3,818 |
| Net loans and leases to core deposits | 60.2253% | 3,932 |
| Total domestic deposits to total assets | 83.6106% | 3,236 |
| Equity capital to assets | 13.2704% | 1,010 |
| Core capital (leverage) ratio | 14.1233% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,268,200 | 4,117 |
| Average earning assets | $86,817,000 | 4,067 |
| Average equity | $12,217,600 | 3,953 |
| Average total loans | $48,311,000 | 4,141 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 3,864 |
| Cost of funding earning assets | 0.2378% | 4,543 |
| Net interest margin | 3.4304% | 2,815 |
| Noninterest income to average assets | 0.2389% | 4,060 |
| Noninterest expense to average assets | 2.0828% | 3,984 |
| Loan and lease loss provision to assets | 0.1489% | 2,535 |
| Net operating income to assets | 1.0347% | 2,208 |
| Return on assets (ROA) | 1.0347% | 2,336 |
| Pretax return on assets | 1.3019% | 2,040 |
| Return on Equity (ROE) | 7.6054% | 2,960 |
| Retained earnings to average equity (ytd only) | 7.6054% | 1,458 |
| Net charge-offs to loans | -0.0027% | 3,930 |
| Credit loss provision to net charge-offs | -10,000.0000% | 4,343 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9354% | 3,526 |
| Assets per employee ($millions) | 7.2294% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 2,484 |
| Loan loss allowance to noncurrent loans | 2,813.6364% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,336 |
| Noncurrent loans to loans | 0.0438% | 4,210 |
| Net loans and leases to total assets | 57.1611% | 3,506 |
| Net loans and leases to deposits | 68.8660% | 3,405 |
| Net loans and leases to core deposits | 70.2264% | 3,610 |
| Total domestic deposits to total assets | 83.0035% | 3,146 |
| Equity capital to assets | 14.4410% | 745 |
| Core capital (leverage) ratio | 13.6614% | 790 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $89,301,750 | 4,131 |
| Average earning assets | $85,780,000 | 4,084 |
| Average equity | $12,149,000 | 3,962 |
| Average total loans | $48,636,500 | 4,158 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 3,812 |
| Cost of funding earning assets | 0.2590% | 4,598 |
| Net interest margin | 3.5609% | 2,607 |
| Noninterest income to average assets | 0.2485% | 3,982 |
| Noninterest expense to average assets | 2.0499% | 4,130 |
| Loan and lease loss provision to assets | 0.1775% | 2,243 |
| Net operating income to assets | 1.1470% | 1,811 |
| Return on assets (ROA) | 1.1470% | 1,940 |
| Pretax return on assets | 1.4376% | 1,619 |
| Return on Equity (ROE) | 8.6004% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.6004% | 1,132 |
| Net charge-offs to loans | -0.0042% | 3,959 |
| Credit loss provision to net charge-offs | -8,000.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9322% | 3,953 |
| Assets per employee ($millions) | 7.8058% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 2,500 |
| Loan loss allowance to noncurrent loans | 2,495.8333% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 4,427 |
| Noncurrent loans to loans | 0.0482% | 4,290 |
| Net loans and leases to total assets | 52.5126% | 3,990 |
| Net loans and leases to deposits | 62.0309% | 4,003 |
| Net loans and leases to core deposits | 63.1384% | 4,117 |
| Total domestic deposits to total assets | 84.6555% | 2,517 |
| Equity capital to assets | 13.1837% | 1,085 |
| Core capital (leverage) ratio | 13.6115% | 847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $90,151,333 | 4,129 |
| Average earning assets | $86,495,667 | 4,069 |
| Average equity | $12,022,667 | 3,982 |
| Average total loans | $48,112,667 | 4,175 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7522% | 4,294 |
| Cost of funding earning assets | 0.2981% | 4,664 |
| Net interest margin | 3.4541% | 3,144 |
| Noninterest income to average assets | 0.2896% | 3,791 |
| Noninterest expense to average assets | 2.0816% | 4,259 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2037% | 1,505 |
| Return on assets (ROA) | 1.2037% | 1,620 |
| Pretax return on assets | 1.5114% | 1,274 |
| Return on Equity (ROE) | 8.9717% | 2,120 |
| Retained earnings to average equity (ytd only) | 8.9717% | 981 |
| Net charge-offs to loans | -0.0085% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9345% | 4,008 |
| Assets per employee ($millions) | 7.4366% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1275% | 3,063 |
| Loan loss allowance to noncurrent loans | 1,789.6552% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,458 |
| Noncurrent loans to loans | 0.0630% | 4,285 |
| Net loans and leases to total assets | 51.0012% | 4,180 |
| Net loans and leases to deposits | 59.8942% | 4,202 |
| Net loans and leases to core deposits | 61.0061% | 4,312 |
| Total domestic deposits to total assets | 85.1522% | 2,354 |
| Equity capital to assets | 13.4504% | 1,243 |
| Core capital (leverage) ratio | 13.6952% | 991 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $88,392,500 | 4,149 |
| Average earning assets | $84,536,500 | 4,099 |
| Average equity | $11,859,500 | 4,015 |
| Average total loans | $47,275,500 | 4,198 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0173% | 4,218 |
| Cost of funding earning assets | 0.3290% | 4,655 |
| Net interest margin | 3.6883% | 2,843 |
| Noninterest income to average assets | 0.2877% | 3,966 |
| Noninterest expense to average assets | 2.2325% | 4,100 |
| Loan and lease loss provision to assets | 0.1174% | 1,797 |
| Net operating income to assets | 1.1415% | 2,286 |
| Return on assets (ROA) | 1.1415% | 2,387 |
| Pretax return on assets | 1.4398% | 2,010 |
| Return on Equity (ROE) | 8.4015% | 2,988 |
| Retained earnings to average equity (ytd only) | 4.7712% | 2,549 |
| Net charge-offs to loans | 0.0659% | 2,147 |
| Credit loss provision to net charge-offs | 322.5806% | 862 |
| Earnings coverage of net charge-offs (x) | 42.7742% | 1,252 |
| Efficiency ratio | 58.9092% | 3,848 |
| Assets per employee ($millions) | 7.2952% | 935 |
| Cash dividends to net income (ytd only)* | 43.2099% | 2,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 3,119 |
| Loan loss allowance to noncurrent loans | 252.6829% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.2342% | 3,508 |
| Noncurrent loans to loans | 0.4225% | 2,931 |
| Net loans and leases to total assets | 54.8320% | 4,017 |
| Net loans and leases to deposits | 64.5861% | 4,035 |
| Net loans and leases to core deposits | 65.1400% | 4,224 |
| Total domestic deposits to total assets | 84.8975% | 2,535 |
| Equity capital to assets | 13.3787% | 1,334 |
| Core capital (leverage) ratio | 13.6087% | 1,021 |
| Tier 1 risk-based capital ratio | 20.7463% | 1,213 |
| Total risk-based capital ratio | 21.6650% | 1,232 |
| Memoranda: | ||
| Average total assets | $85,151,000 | 4,213 |
| Average earning assets | $80,850,200 | 4,170 |
| Average equity | $11,569,400 | 4,045 |
| Average total loans | $47,031,600 | 4,236 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 4,124 |
| Cost of funding earning assets | 0.3326% | 4,714 |
| Net interest margin | 3.7812% | 2,651 |
| Noninterest income to average assets | 0.2886% | 4,006 |
| Noninterest expense to average assets | 2.1477% | 4,279 |
| Loan and lease loss provision to assets | 0.0788% | 2,330 |
| Net operating income to assets | 1.3104% | 1,810 |
| Return on assets (ROA) | 1.3104% | 1,894 |
| Pretax return on assets | 1.6478% | 1,477 |
| Return on Equity (ROE) | 9.6063% | 2,619 |
| Retained earnings to average equity (ytd only) | 9.6063% | 866 |
| Net charge-offs to loans | 0.0086% | 3,061 |
| Credit loss provision to net charge-offs | 1,666.6667% | 230 |
| Earnings coverage of net charge-offs (x) | 364.9900% | 271 |
| Efficiency ratio | 55.4335% | 4,224 |
| Assets per employee ($millions) | 7.2021% | 953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0538% | 3,265 |
| Loan loss allowance to noncurrent loans | 576.7442% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 4,216 |
| Noncurrent loans to loans | 0.1827% | 3,880 |
| Net loans and leases to total assets | 53.8872% | 4,189 |
| Net loans and leases to deposits | 63.0007% | 4,236 |
| Net loans and leases to core deposits | 63.5422% | 4,395 |
| Total domestic deposits to total assets | 85.5343% | 2,195 |
| Equity capital to assets | 13.8918% | 1,197 |
| Core capital (leverage) ratio | 14.3806% | 883 |
| Tier 1 risk-based capital ratio | 21.9189% | 1,081 |
| Total risk-based capital ratio | 22.8265% | 1,103 |
| Memoranda: | ||
| Average total assets | $84,553,250 | 4,272 |
| Average earning assets | $80,184,000 | 4,238 |
| Average equity | $11,533,750 | 4,092 |
| Average total loans | $46,659,750 | 4,296 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 4,179 |
| Cost of funding earning assets | 0.3245% | 4,757 |
| Net interest margin | 3.7677% | 2,701 |
| Noninterest income to average assets | 0.2907% | 3,998 |
| Noninterest expense to average assets | 2.1899% | 4,244 |
| Loan and lease loss provision to assets | 0.0596% | 2,631 |
| Net operating income to assets | 1.2796% | 1,854 |
| Return on assets (ROA) | 1.2796% | 1,910 |
| Pretax return on assets | 1.6109% | 1,515 |
| Return on Equity (ROE) | 9.4407% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.4407% | 925 |
| Net charge-offs to loans | 0.0086% | 2,833 |
| Credit loss provision to net charge-offs | 1,250.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 350.5000% | 224 |
| Efficiency ratio | 56.7284% | 4,162 |
| Assets per employee ($millions) | 6.9779% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,506 |
| Loan loss allowance to noncurrent loans | 555.2941% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.1015% | 4,249 |
| Noncurrent loans to loans | 0.1835% | 3,899 |
| Net loans and leases to total assets | 54.7620% | 4,159 |
| Net loans and leases to deposits | 64.1239% | 4,219 |
| Net loans and leases to core deposits | 64.6920% | 4,378 |
| Total domestic deposits to total assets | 85.4004% | 2,307 |
| Equity capital to assets | 13.9834% | 1,126 |
| Core capital (leverage) ratio | 14.2347% | 895 |
| Tier 1 risk-based capital ratio | 22.0100% | 1,051 |
| Total risk-based capital ratio | 22.8991% | 1,080 |
| Memoranda: | ||
| Average total assets | $83,929,330 | 4,306 |
| Average earning assets | $79,517,000 | 4,272 |
| Average equity | $11,376,330 | 4,120 |
| Average total loans | $46,523,670 | 4,326 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 4,148 |
| Cost of funding earning assets | 0.3143% | 4,802 |
| Net interest margin | 3.7772% | 2,608 |
| Noninterest income to average assets | 0.2809% | 4,005 |
| Noninterest expense to average assets | 2.1755% | 4,323 |
| Loan and lease loss provision to assets | 0.1190% | 1,471 |
| Net operating income to assets | 1.2187% | 1,992 |
| Return on assets (ROA) | 1.2187% | 2,039 |
| Pretax return on assets | 1.5328% | 1,672 |
| Return on Equity (ROE) | 9.1347% | 2,748 |
| Retained earnings to average equity (ytd only) | 9.1347% | 1,269 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8408% | 4,233 |
| Assets per employee ($millions) | 6.7093% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 3,407 |
| Loan loss allowance to noncurrent loans | 551.1628% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 4,274 |
| Noncurrent loans to loans | 0.1905% | 3,903 |
| Net loans and leases to total assets | 55.4781% | 4,100 |
| Net loans and leases to deposits | 64.9479% | 4,128 |
| Net loans and leases to core deposits | 65.8344% | 4,289 |
| Total domestic deposits to total assets | 85.4194% | 2,520 |
| Equity capital to assets | 14.1186% | 998 |
| Core capital (leverage) ratio | 13.9389% | 973 |
| Tier 1 risk-based capital ratio | 22.2056% | 1,027 |
| Total risk-based capital ratio | 23.1286% | 1,039 |
| Memoranda: | ||
| Average total assets | $84,026,500 | 4,353 |
| Average earning assets | $78,895,000 | 4,324 |
| Average equity | $11,210,000 | 4,167 |
| Average total loans | $46,622,000 | 4,371 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8651% | 4,354 |
| Cost of funding earning assets | 0.2339% | 4,876 |
| Net interest margin | 3.6312% | 3,276 |
| Noninterest income to average assets | 0.3121% | 4,030 |
| Noninterest expense to average assets | 2.2322% | 4,265 |
| Loan and lease loss provision to assets | 0.0484% | 3,212 |
| Net operating income to assets | 1.1736% | 2,298 |
| Return on assets (ROA) | 1.1736% | 2,283 |
| Pretax return on assets | 1.4688% | 1,879 |
| Return on Equity (ROE) | 8.9424% | 3,024 |
| Retained earnings to average equity (ytd only) | 5.4023% | 2,535 |
| Net charge-offs to loans | 0.1143% | 1,606 |
| Credit loss provision to net charge-offs | 74.0741% | 2,937 |
| Earnings coverage of net charge-offs (x) | 23.2222% | 1,859 |
| Efficiency ratio | 59.5353% | 3,938 |
| Assets per employee ($millions) | 7.2952% | 869 |
| Cash dividends to net income (ytd only)* | 39.5876% | 2,539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9334% | 4,028 |
| Loan loss allowance to noncurrent loans | 510.2273% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 4,324 |
| Noncurrent loans to loans | 0.1829% | 3,926 |
| Net loans and leases to total assets | 54.4367% | 4,249 |
| Net loans and leases to deposits | 62.5139% | 4,345 |
| Net loans and leases to core deposits | 63.6214% | 4,460 |
| Total domestic deposits to total assets | 87.0793% | 1,750 |
| Equity capital to assets | 12.6259% | 1,524 |
| Core capital (leverage) ratio | 13.6295% | 1,031 |
| Tier 1 risk-based capital ratio | 20.0086% | 1,302 |
| Total risk-based capital ratio | 20.8146% | 1,360 |
| Memoranda: | ||
| Average total assets | $82,653,200 | 4,387 |
| Average earning assets | $78,238,600 | 4,343 |
| Average equity | $10,847,200 | 4,181 |
| Average total loans | $47,245,400 | 4,369 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7954% | 4,446 |
| Cost of funding earning assets | 0.2128% | 4,977 |
| Net interest margin | 3.5827% | 3,425 |
| Noninterest income to average assets | 0.3291% | 3,950 |
| Noninterest expense to average assets | 2.2022% | 4,320 |
| Loan and lease loss provision to assets | 0.0655% | 2,665 |
| Net operating income to assets | 1.1789% | 2,323 |
| Return on assets (ROA) | 1.1789% | 2,327 |
| Pretax return on assets | 1.4802% | 1,970 |
| Return on Equity (ROE) | 8.8922% | 3,133 |
| Retained earnings to average equity (ytd only) | 8.8922% | 1,261 |
| Net charge-offs to loans | 0.1531% | 1,075 |
| Credit loss provision to net charge-offs | 74.0741% | 2,592 |
| Earnings coverage of net charge-offs (x) | 17.4811% | 2,109 |
| Efficiency ratio | 58.7593% | 3,997 |
| Assets per employee ($millions) | 6.8140% | 1,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9380% | 4,100 |
| Loan loss allowance to noncurrent loans | 504.4944% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.1088% | 4,427 |
| Noncurrent loans to loans | 0.1859% | 4,051 |
| Net loans and leases to total assets | 57.9933% | 4,043 |
| Net loans and leases to deposits | 67.5172% | 4,089 |
| Net loans and leases to core deposits | 68.8144% | 4,259 |
| Total domestic deposits to total assets | 85.8942% | 2,243 |
| Equity capital to assets | 13.6178% | 1,094 |
| Core capital (leverage) ratio | 14.0133% | 933 |
| Tier 1 risk-based capital ratio | 21.0259% | 1,182 |
| Total risk-based capital ratio | 21.8629% | 1,211 |
| Memoranda: | ||
| Average total assets | $81,431,000 | 4,453 |
| Average earning assets | $77,705,500 | 4,403 |
| Average equity | $10,795,750 | 4,230 |
| Average total loans | $47,030,750 | 4,417 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6646% | 4,660 |
| Cost of funding earning assets | 0.1937% | 5,057 |
| Net interest margin | 3.4709% | 3,731 |
| Noninterest income to average assets | 0.3394% | 3,914 |
| Noninterest expense to average assets | 2.2012% | 4,367 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1486% | 2,397 |
| Return on assets (ROA) | 1.1486% | 2,401 |
| Pretax return on assets | 1.4437% | 2,006 |
| Return on Equity (ROE) | 8.7431% | 3,151 |
| Retained earnings to average equity (ytd only) | 8.7431% | 1,304 |
| Net charge-offs to loans | 0.2267% | 703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 11.0755% | 2,296 |
| Efficiency ratio | 60.3914% | 3,883 |
| Assets per employee ($millions) | 6.8004% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 4,441 |
| Loan loss allowance to noncurrent loans | 450.5495% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 4,438 |
| Noncurrent loans to loans | 0.1944% | 4,029 |
| Net loans and leases to total assets | 56.8507% | 4,093 |
| Net loans and leases to deposits | 65.9123% | 4,170 |
| Net loans and leases to core deposits | 67.1846% | 4,302 |
| Total domestic deposits to total assets | 86.2521% | 2,166 |
| Equity capital to assets | 13.3509% | 1,165 |
| Core capital (leverage) ratio | 13.4836% | 1,070 |
| Tier 1 risk-based capital ratio | 20.5390% | 1,241 |
| Total risk-based capital ratio | 21.3026% | 1,282 |
| Memoranda: | ||
| Average total assets | $81,318,670 | 4,492 |
| Average earning assets | $77,444,330 | 4,448 |
| Average equity | $10,682,670 | 4,276 |
| Average total loans | $46,751,330 | 4,465 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5579% | 4,779 |
| Cost of funding earning assets | 0.1922% | 5,066 |
| Net interest margin | 3.3657% | 4,007 |
| Noninterest income to average assets | 0.3301% | 3,944 |
| Noninterest expense to average assets | 2.1287% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1038% | 2,402 |
| Return on assets (ROA) | 1.1038% | 2,419 |
| Pretax return on assets | 1.3945% | 2,027 |
| Return on Equity (ROE) | 8.4716% | 3,160 |
| Retained earnings to average equity (ytd only) | 8.4716% | 1,668 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4196% | 4,013 |
| Assets per employee ($millions) | 6.7635% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,807 |
| Loan loss allowance to noncurrent loans | 350.7576% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.1626% | 4,273 |
| Noncurrent loans to loans | 0.2925% | 3,719 |
| Net loans and leases to total assets | 55.0294% | 4,209 |
| Net loans and leases to deposits | 63.7124% | 4,225 |
| Net loans and leases to core deposits | 64.9455% | 4,372 |
| Total domestic deposits to total assets | 86.3717% | 2,372 |
| Equity capital to assets | 13.1416% | 1,177 |
| Core capital (leverage) ratio | 13.2976% | 1,071 |
| Tier 1 risk-based capital ratio | 20.8587% | 1,222 |
| Total risk-based capital ratio | 21.7542% | 1,243 |
| Memoranda: | ||
| Average total assets | $81,175,500 | 4,544 |
| Average earning assets | $77,011,500 | 4,511 |
| Average equity | $10,576,500 | 4,340 |
| Average total loans | $46,725,500 | 4,513 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6624% | 4,426 |
| Cost of funding earning assets | 0.1635% | 5,189 |
| Net interest margin | 3.4989% | 3,534 |
| Noninterest income to average assets | 0.3464% | 3,985 |
| Noninterest expense to average assets | 2.5030% | 3,768 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9715% | 2,360 |
| Return on assets (ROA) | 0.9715% | 2,402 |
| Pretax return on assets | 1.1591% | 2,949 |
| Return on Equity (ROE) | 7.2637% | 3,144 |
| Retained earnings to average equity (ytd only) | 4.8295% | 2,234 |
| Net charge-offs to loans | 0.0443% | 2,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 42.3810% | 1,208 |
| Efficiency ratio | 68.3499% | 2,826 |
| Assets per employee ($millions) | 6.7658% | 1,072 |
| Cash dividends to net income (ytd only)* | 33.5121% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9581% | 4,169 |
| Loan loss allowance to noncurrent loans | 353.4351% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 4,338 |
| Noncurrent loans to loans | 0.2711% | 3,814 |
| Net loans and leases to total assets | 58.9513% | 3,929 |
| Net loans and leases to deposits | 68.1465% | 4,017 |
| Net loans and leases to core deposits | 69.0520% | 4,231 |
| Total domestic deposits to total assets | 86.5068% | 2,230 |
| Equity capital to assets | 12.9168% | 1,305 |
| Core capital (leverage) ratio | 12.9548% | 1,160 |
| Tier 1 risk-based capital ratio | 19.0618% | 1,497 |
| Total risk-based capital ratio | 19.8975% | 1,553 |
| Memoranda: | ||
| Average total assets | $76,786,800 | 4,648 |
| Average earning assets | $72,765,800 | 4,603 |
| Average equity | $10,270,200 | 4,411 |
| Average total loans | $47,404,800 | 4,530 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 4,485 |
| Cost of funding earning assets | 0.1575% | 5,270 |
| Net interest margin | 3.4745% | 3,588 |
| Noninterest income to average assets | 0.3629% | 3,937 |
| Noninterest expense to average assets | 2.3747% | 4,080 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8949% | 3,055 |
| Return on assets (ROA) | 0.8949% | 3,107 |
| Pretax return on assets | 1.2913% | 2,532 |
| Return on Equity (ROE) | 6.6300% | 3,850 |
| Retained earnings to average equity (ytd only) | 5.2726% | 2,707 |
| Net charge-offs to loans | 0.0594% | 2,272 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 34.9039% | 1,427 |
| Efficiency ratio | 64.7765% | 3,410 |
| Assets per employee ($millions) | 6.7389% | 1,054 |
| Cash dividends to net income (ytd only)* | 20.4719% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9813% | 4,180 |
| Loan loss allowance to noncurrent loans | 812.2807% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.0705% | 4,882 |
| Noncurrent loans to loans | 0.1208% | 4,576 |
| Net loans and leases to total assets | 57.7714% | 4,085 |
| Net loans and leases to deposits | 66.8804% | 4,192 |
| Net loans and leases to core deposits | 68.1825% | 4,353 |
| Total domestic deposits to total assets | 86.3801% | 2,145 |
| Equity capital to assets | 12.9039% | 1,438 |
| Core capital (leverage) ratio | 13.5823% | 995 |
| Tier 1 risk-based capital ratio | 19.3451% | 1,512 |
| Total risk-based capital ratio | 20.2007% | 1,558 |
| Memoranda: | ||
| Average total assets | $75,686,250 | 4,723 |
| Average earning assets | $71,950,750 | 4,667 |
| Average equity | $10,216,000 | 4,459 |
| Average total loans | $47,174,750 | 4,574 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6304% | 4,427 |
| Cost of funding earning assets | 0.1541% | 5,315 |
| Net interest margin | 3.4763% | 3,486 |
| Noninterest income to average assets | 0.3705% | 3,907 |
| Noninterest expense to average assets | 2.5311% | 3,654 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7923% | 3,429 |
| Return on assets (ROA) | 0.7923% | 3,488 |
| Pretax return on assets | 1.1331% | 3,040 |
| Return on Equity (ROE) | 5.7774% | 4,143 |
| Retained earnings to average equity (ytd only) | 4.8506% | 2,810 |
| Net charge-offs to loans | 0.0890% | 1,721 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 19.9524% | 1,814 |
| Efficiency ratio | 69.0775% | 2,836 |
| Assets per employee ($millions) | 6.7984% | 1,017 |
| Cash dividends to net income (ytd only)* | 16.0410% | 3,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 4,302 |
| Loan loss allowance to noncurrent loans | 771.6667% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 4,876 |
| Noncurrent loans to loans | 0.1262% | 4,617 |
| Net loans and leases to total assets | 62.9737% | 3,515 |
| Net loans and leases to deposits | 73.5679% | 3,589 |
| Net loans and leases to core deposits | 75.1336% | 3,849 |
| Total domestic deposits to total assets | 85.5995% | 2,571 |
| Equity capital to assets | 13.7426% | 1,061 |
| Core capital (leverage) ratio | 14.1057% | 832 |
| Tier 1 risk-based capital ratio | 19.2527% | 1,534 |
| Total risk-based capital ratio | 20.1173% | 1,578 |
| Memoranda: | ||
| Average total assets | $73,959,330 | 4,787 |
| Average earning assets | $70,075,330 | 4,745 |
| Average equity | $10,143,000 | 4,487 |
| Average total loans | $47,172,670 | 4,605 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5613% | 4,514 |
| Cost of funding earning assets | 0.1441% | 5,411 |
| Net interest margin | 3.4172% | 3,589 |
| Noninterest income to average assets | 0.4079% | 3,602 |
| Noninterest expense to average assets | 2.5290% | 3,720 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7723% | 3,353 |
| Return on assets (ROA) | 0.7723% | 3,409 |
| Pretax return on assets | 1.1040% | 2,964 |
| Return on Equity (ROE) | 5.6372% | 4,066 |
| Retained earnings to average equity (ytd only) | 5.6372% | 2,525 |
| Net charge-offs to loans | 0.1788% | 937 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 9.6667% | 1,982 |
| Efficiency ratio | 69.6108% | 2,953 |
| Assets per employee ($millions) | 6.0170% | 1,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 4,336 |
| Loan loss allowance to noncurrent loans | 985.1064% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 5,015 |
| Noncurrent loans to loans | 0.1007% | 4,790 |
| Net loans and leases to total assets | 63.9840% | 3,282 |
| Net loans and leases to deposits | 74.9899% | 3,307 |
| Net loans and leases to core deposits | 76.6483% | 3,595 |
| Total domestic deposits to total assets | 85.3235% | 2,953 |
| Equity capital to assets | 14.0602% | 883 |
| Core capital (leverage) ratio | 14.0058% | 840 |
| Tier 1 risk-based capital ratio | 19.3854% | 1,521 |
| Total risk-based capital ratio | 20.2648% | 1,572 |
| Memoranda: | ||
| Average total assets | $73,548,000 | 4,840 |
| Average earning assets | $69,413,500 | 4,795 |
| Average equity | $10,076,000 | 4,531 |
| Average total loans | $46,981,000 | 4,649 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6346% | 4,421 |
| Cost of funding earning assets | 0.1452% | 5,451 |
| Net interest margin | 3.4895% | 3,476 |
| Noninterest income to average assets | 0.3713% | 4,095 |
| Noninterest expense to average assets | 2.9514% | 2,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5590% | 4,397 |
| Return on assets (ROA) | 0.5590% | 4,500 |
| Pretax return on assets | 0.7139% | 4,445 |
| Return on Equity (ROE) | 4.0860% | 4,802 |
| Retained earnings to average equity (ytd only) | 2.8041% | 3,906 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5234% | 1,357 |
| Assets per employee ($millions) | 6.2410% | 1,305 |
| Cash dividends to net income (ytd only)* | 31.3725% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0233% | 4,177 |
| Loan loss allowance to noncurrent loans | 806.6667% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0801% | 5,022 |
| Noncurrent loans to loans | 0.1268% | 4,729 |
| Net loans and leases to total assets | 62.5113% | 3,544 |
| Net loans and leases to deposits | 72.4369% | 3,665 |
| Net loans and leases to core deposits | 73.9613% | 3,929 |
| Total domestic deposits to total assets | 86.2976% | 2,459 |
| Equity capital to assets | 13.3526% | 1,111 |
| Core capital (leverage) ratio | 13.5439% | 959 |
| Tier 1 risk-based capital ratio | 19.4632% | 1,490 |
| Total risk-based capital ratio | 20.3991% | 1,522 |
| Memoranda: | ||
| Average total assets | $72,982,800 | 4,868 |
| Average earning assets | $68,893,000 | 4,829 |
| Average equity | $9,985,400 | 4,581 |
| Average total loans | $47,165,800 | 4,662 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6490% | 4,413 |
| Cost of funding earning assets | 0.1457% | 5,506 |
| Net interest margin | 3.5033% | 3,453 |
| Noninterest income to average assets | 0.3843% | 4,032 |
| Noninterest expense to average assets | 2.7344% | 3,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6933% | 3,886 |
| Return on assets (ROA) | 0.6933% | 4,020 |
| Pretax return on assets | 0.9654% | 3,757 |
| Return on Equity (ROE) | 5.0357% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.5549% | 3,100 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9066% | 2,298 |
| Assets per employee ($millions) | 6.0458% | 1,398 |
| Cash dividends to net income (ytd only)* | 9.5494% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 4,305 |
| Loan loss allowance to noncurrent loans | 780.6452% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.0855% | 5,101 |
| Noncurrent loans to loans | 0.1305% | 4,817 |
| Net loans and leases to total assets | 64.8320% | 3,292 |
| Net loans and leases to deposits | 75.8531% | 3,413 |
| Net loans and leases to core deposits | 77.5170% | 3,704 |
| Total domestic deposits to total assets | 85.4705% | 2,616 |
| Equity capital to assets | 13.9795% | 1,041 |
| Core capital (leverage) ratio | 14.0284% | 838 |
| Tier 1 risk-based capital ratio | 18.7008% | 1,737 |
| Total risk-based capital ratio | 19.5932% | 1,791 |
| Memoranda: | ||
| Average total assets | $72,505,500 | 4,919 |
| Average earning assets | $68,619,750 | 4,875 |
| Average equity | $9,981,750 | 4,626 |
| Average total loans | $47,132,250 | 4,699 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6436% | 4,468 |
| Cost of funding earning assets | 0.1428% | 5,594 |
| Net interest margin | 3.5007% | 3,490 |
| Noninterest income to average assets | 0.3863% | 3,981 |
| Noninterest expense to average assets | 2.6624% | 3,514 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7422% | 3,590 |
| Return on assets (ROA) | 0.7422% | 3,744 |
| Pretax return on assets | 1.0374% | 3,449 |
| Return on Equity (ROE) | 5.4188% | 4,323 |
| Retained earnings to average equity (ytd only) | 4.6936% | 2,924 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9612% | 2,661 |
| Assets per employee ($millions) | 6.1634% | 1,291 |
| Cash dividends to net income (ytd only)* | 13.3829% | 3,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 4,387 |
| Loan loss allowance to noncurrent loans | 864.2857% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.0757% | 5,231 |
| Noncurrent loans to loans | 0.1184% | 4,972 |
| Net loans and leases to total assets | 63.3009% | 3,462 |
| Net loans and leases to deposits | 73.7257% | 3,625 |
| Net loans and leases to core deposits | 75.3028% | 3,883 |
| Total domestic deposits to total assets | 85.8601% | 2,485 |
| Equity capital to assets | 13.5855% | 1,189 |
| Core capital (leverage) ratio | 14.1517% | 786 |
| Tier 1 risk-based capital ratio | 18.6094% | 1,775 |
| Total risk-based capital ratio | 19.5085% | 1,825 |
| Memoranda: | ||
| Average total assets | $72,491,000 | 4,970 |
| Average earning assets | $68,614,330 | 4,918 |
| Average equity | $9,928,330 | 4,662 |
| Average total loans | $47,003,330 | 4,736 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7574% | 4,111 |
| Cost of funding earning assets | 0.1416% | 5,661 |
| Net interest margin | 3.6158% | 3,021 |
| Noninterest income to average assets | 0.3958% | 3,859 |
| Noninterest expense to average assets | 2.6813% | 3,488 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8083% | 3,197 |
| Return on assets (ROA) | 0.8083% | 3,320 |
| Pretax return on assets | 1.1316% | 2,964 |
| Return on Equity (ROE) | 5.8773% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.8773% | 2,432 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3216% | 3,061 |
| Assets per employee ($millions) | 5.8188% | 1,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0637% | 4,266 |
| Loan loss allowance to noncurrent loans | 896.2963% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 5,267 |
| Noncurrent loans to loans | 0.1187% | 5,003 |
| Net loans and leases to total assets | 64.4703% | 3,172 |
| Net loans and leases to deposits | 75.8373% | 3,235 |
| Net loans and leases to core deposits | 77.5741% | 3,536 |
| Total domestic deposits to total assets | 85.0113% | 3,130 |
| Equity capital to assets | 14.2368% | 904 |
| Core capital (leverage) ratio | 14.2290% | 752 |
| Tier 1 risk-based capital ratio | 18.8161% | 1,776 |
| Total risk-based capital ratio | 19.7332% | 1,818 |
| Memoranda: | ||
| Average total assets | $71,756,000 | 5,036 |
| Average earning assets | $67,813,500 | 4,983 |
| Average equity | $9,868,500 | 4,680 |
| Average total loans | $46,854,000 | 4,770 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 4,725 |
| Cost of funding earning assets | 0.1533% | 5,665 |
| Net interest margin | 3.4263% | 3,812 |
| Noninterest income to average assets | 0.4438% | 3,718 |
| Noninterest expense to average assets | 2.4889% | 4,258 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8606% | 3,065 |
| Return on assets (ROA) | 0.8606% | 3,133 |
| Pretax return on assets | 1.2088% | 2,627 |
| Return on Equity (ROE) | 6.2945% | 3,906 |
| Retained earnings to average equity (ytd only) | 5.0419% | 2,385 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3099% | 3,695 |
| Assets per employee ($millions) | 6.6987% | 1,005 |
| Cash dividends to net income (ytd only)* | 19.9005% | 3,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 4,583 |
| Loan loss allowance to noncurrent loans | 834.4828% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 5,314 |
| Noncurrent loans to loans | 0.1203% | 5,013 |
| Net loans and leases to total assets | 64.7654% | 3,151 |
| Net loans and leases to deposits | 75.2349% | 3,350 |
| Net loans and leases to core deposits | 76.8437% | 3,679 |
| Total domestic deposits to total assets | 86.0842% | 2,598 |
| Equity capital to assets | 13.2942% | 1,215 |
| Core capital (leverage) ratio | 13.8321% | 864 |
| Tier 1 risk-based capital ratio | 17.7188% | 2,048 |
| Total risk-based capital ratio | 18.5942% | 2,121 |
| Memoranda: | ||
| Average total assets | $70,071,000 | 5,093 |
| Average earning assets | $66,543,600 | 5,030 |
| Average equity | $9,579,800 | 4,730 |
| Average total loans | $46,295,400 | 4,783 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5988% | 4,744 |
| Cost of funding earning assets | 0.1537% | 5,752 |
| Net interest margin | 3.4450% | 3,769 |
| Noninterest income to average assets | 0.4684% | 3,576 |
| Noninterest expense to average assets | 2.4751% | 4,271 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9079% | 2,926 |
| Return on assets (ROA) | 0.9079% | 3,020 |
| Pretax return on assets | 1.2761% | 2,489 |
| Return on Equity (ROE) | 6.5924% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.4027% | 2,640 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9815% | 3,895 |
| Assets per employee ($millions) | 6.3305% | 1,163 |
| Cash dividends to net income (ytd only)* | 18.0468% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0699% | 4,392 |
| Loan loss allowance to noncurrent loans | 849.1228% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.0819% | 5,426 |
| Noncurrent loans to loans | 0.1260% | 5,124 |
| Net loans and leases to total assets | 64.2656% | 3,267 |
| Net loans and leases to deposits | 75.4900% | 3,371 |
| Net loans and leases to core deposits | 77.2199% | 3,675 |
| Total domestic deposits to total assets | 85.1313% | 2,958 |
| Equity capital to assets | 13.9727% | 1,034 |
| Core capital (leverage) ratio | 13.9947% | 867 |
| Tier 1 risk-based capital ratio | 18.6933% | 1,854 |
| Total risk-based capital ratio | 19.6272% | 1,892 |
| Memoranda: | ||
| Average total assets | $69,167,250 | 5,171 |
| Average earning assets | $65,909,750 | 5,101 |
| Average equity | $9,525,750 | 4,804 |
| Average total loans | $45,817,500 | 4,851 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5843% | 4,764 |
| Cost of funding earning assets | 0.1553% | 5,816 |
| Net interest margin | 3.4290% | 3,792 |
| Noninterest income to average assets | 0.4782% | 3,512 |
| Noninterest expense to average assets | 2.4025% | 4,538 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9506% | 2,629 |
| Return on assets (ROA) | 0.9506% | 2,747 |
| Pretax return on assets | 1.3389% | 2,212 |
| Return on Equity (ROE) | 6.9362% | 3,647 |
| Retained earnings to average equity (ytd only) | 5.1387% | 2,771 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2138% | 4,319 |
| Assets per employee ($millions) | 6.3113% | 1,144 |
| Cash dividends to net income (ytd only)* | 25.9146% | 2,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0713% | 4,480 |
| Loan loss allowance to noncurrent loans | 806.6667% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.0864% | 5,517 |
| Noncurrent loans to loans | 0.1328% | 5,217 |
| Net loans and leases to total assets | 64.3798% | 3,210 |
| Net loans and leases to deposits | 75.3291% | 3,339 |
| Net loans and leases to core deposits | 77.0524% | 3,660 |
| Total domestic deposits to total assets | 85.4647% | 2,940 |
| Equity capital to assets | 13.7647% | 1,070 |
| Core capital (leverage) ratio | 14.0722% | 820 |
| Tier 1 risk-based capital ratio | 18.6139% | 1,893 |
| Total risk-based capital ratio | 19.5577% | 1,944 |
| Memoranda: | ||
| Average total assets | $69,011,000 | 5,235 |
| Average earning assets | $65,675,000 | 5,159 |
| Average equity | $9,457,670 | 4,848 |
| Average total loans | $46,011,330 | 4,887 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5693% | 4,778 |
| Cost of funding earning assets | 0.1528% | 5,911 |
| Net interest margin | 3.4165% | 3,774 |
| Noninterest income to average assets | 0.4883% | 3,360 |
| Noninterest expense to average assets | 2.3778% | 4,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9651% | 2,424 |
| Return on assets (ROA) | 0.9651% | 2,553 |
| Pretax return on assets | 1.3604% | 2,037 |
| Return on Equity (ROE) | 7.0574% | 3,478 |
| Retained earnings to average equity (ytd only) | 7.0574% | 1,989 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6081% | 4,535 |
| Assets per employee ($millions) | 6.0459% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0822% | 4,606 |
| Loan loss allowance to noncurrent loans | 768.2540% | 693 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 5,566 |
| Noncurrent loans to loans | 0.1409% | 5,272 |
| Net loans and leases to total assets | 66.5183% | 2,690 |
| Net loans and leases to deposits | 78.2793% | 2,765 |
| Net loans and leases to core deposits | 80.1602% | 3,135 |
| Total domestic deposits to total assets | 84.9756% | 3,422 |
| Equity capital to assets | 14.3102% | 885 |
| Core capital (leverage) ratio | 14.1989% | 766 |
| Tier 1 risk-based capital ratio | 18.6341% | 1,964 |
| Total risk-based capital ratio | 19.5867% | 2,009 |
| Memoranda: | ||
| Average total assets | $68,804,500 | 5,291 |
| Average earning assets | $65,447,500 | 5,219 |
| Average equity | $9,408,500 | 4,892 |
| Average total loans | $46,427,500 | 4,903 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3682% | 5,590 |
| Cost of funding earning assets | 0.1814% | 5,901 |
| Net interest margin | 3.1868% | 4,968 |
| Noninterest income to average assets | 0.4441% | 3,874 |
| Noninterest expense to average assets | 2.4544% | 4,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7496% | 3,633 |
| Return on assets (ROA) | 0.7496% | 3,731 |
| Pretax return on assets | 1.0252% | 3,403 |
| Return on Equity (ROE) | 5.7696% | 4,274 |
| Retained earnings to average equity (ytd only) | 3.5936% | 3,661 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5375% | 3,452 |
| Assets per employee ($millions) | 6.4640% | 1,070 |
| Cash dividends to net income (ytd only)* | 37.7143% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 5,012 |
| Loan loss allowance to noncurrent loans | 654.0541% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 5,619 |
| Noncurrent loans to loans | 0.1537% | 5,282 |
| Net loans and leases to total assets | 67.0131% | 2,726 |
| Net loans and leases to deposits | 77.5714% | 3,020 |
| Net loans and leases to core deposits | 79.2815% | 3,377 |
| Total domestic deposits to total assets | 86.3890% | 2,626 |
| Equity capital to assets | 13.0794% | 1,329 |
| Core capital (leverage) ratio | 13.1717% | 1,075 |
| Tier 1 risk-based capital ratio | 16.7426% | 2,625 |
| Total risk-based capital ratio | 17.6137% | 2,725 |
| Memoranda: | ||
| Average total assets | $70,036,200 | 5,287 |
| Average earning assets | $66,712,800 | 5,208 |
| Average equity | $9,099,400 | 4,953 |
| Average total loans | $42,784,200 | 5,079 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3590% | 5,657 |
| Cost of funding earning assets | 0.1884% | 5,931 |
| Net interest margin | 3.1706% | 5,054 |
| Noninterest income to average assets | 0.4434% | 3,936 |
| Noninterest expense to average assets | 2.4690% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7357% | 3,747 |
| Return on assets (ROA) | 0.7357% | 3,856 |
| Pretax return on assets | 0.9975% | 3,603 |
| Return on Equity (ROE) | 5.6725% | 4,409 |
| Retained earnings to average equity (ytd only) | 3.5951% | 4,092 |
| Net charge-offs to loans | -0.0032% | 5,228 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2238% | 3,307 |
| Assets per employee ($millions) | 5.8972% | 1,408 |
| Cash dividends to net income (ytd only)* | 36.6243% | 2,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1945% | 4,263 |
| Loan loss allowance to noncurrent loans | 440.9091% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.1554% | 5,562 |
| Noncurrent loans to loans | 0.2709% | 5,097 |
| Net loans and leases to total assets | 56.6925% | 4,241 |
| Net loans and leases to deposits | 65.6440% | 4,374 |
| Net loans and leases to core deposits | 67.0976% | 4,597 |
| Total domestic deposits to total assets | 86.3635% | 2,664 |
| Equity capital to assets | 13.0062% | 1,422 |
| Core capital (leverage) ratio | 13.2606% | 1,080 |
| Tier 1 risk-based capital ratio | 18.2895% | 2,117 |
| Total risk-based capital ratio | 19.2517% | 2,168 |
| Memoranda: | ||
| Average total assets | $69,769,250 | 5,350 |
| Average earning assets | $66,526,000 | 5,271 |
| Average equity | $9,049,250 | 4,997 |
| Average total loans | $41,447,000 | 5,172 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3549% | 5,703 |
| Cost of funding earning assets | 0.1989% | 5,924 |
| Net interest margin | 3.1560% | 5,074 |
| Noninterest income to average assets | 0.4407% | 3,936 |
| Noninterest expense to average assets | 2.4627% | 4,688 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7345% | 3,650 |
| Return on assets (ROA) | 0.7345% | 3,744 |
| Pretax return on assets | 0.9937% | 3,504 |
| Return on Equity (ROE) | 5.6681% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.7343% | 3,817 |
| Net charge-offs to loans | -0.0048% | 5,166 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2500% | 3,462 |
| Assets per employee ($millions) | 6.1873% | 1,180 |
| Cash dividends to net income (ytd only)* | 34.1176% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 4,550 |
| Loan loss allowance to noncurrent loans | 346.4286% | 1,333 |
| Noncurrent assets plus other real estate owned to assets | 0.1886% | 5,562 |
| Noncurrent loans to loans | 0.3386% | 4,996 |
| Net loans and leases to total assets | 55.0379% | 4,404 |
| Net loans and leases to deposits | 63.1407% | 4,579 |
| Net loans and leases to core deposits | 64.4593% | 4,773 |
| Total domestic deposits to total assets | 87.1672% | 2,361 |
| Equity capital to assets | 12.2981% | 1,777 |
| Core capital (leverage) ratio | 13.0057% | 1,155 |
| Tier 1 risk-based capital ratio | 17.4279% | 2,450 |
| Total risk-based capital ratio | 18.3523% | 2,537 |
| Memoranda: | ||
| Average total assets | $69,437,000 | 5,410 |
| Average earning assets | $66,350,330 | 5,315 |
| Average equity | $8,997,670 | 5,032 |
| Average total loans | $41,728,000 | 5,208 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4189% | 5,608 |
| Cost of funding earning assets | 0.1938% | 6,054 |
| Net interest margin | 3.2252% | 4,837 |
| Noninterest income to average assets | 0.5072% | 3,353 |
| Noninterest expense to average assets | 2.4943% | 4,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7996% | 3,158 |
| Return on assets (ROA) | 0.7996% | 3,235 |
| Pretax return on assets | 1.0920% | 2,948 |
| Return on Equity (ROE) | 6.0016% | 4,023 |
| Retained earnings to average equity (ytd only) | 2.1050% | 4,758 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5507% | 3,903 |
| Assets per employee ($millions) | 5.6632% | 1,567 |
| Cash dividends to net income (ytd only)* | 64.9254% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 4,421 |
| Loan loss allowance to noncurrent loans | 340.8451% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 5,594 |
| Noncurrent loans to loans | 0.3647% | 5,032 |
| Net loans and leases to total assets | 56.5879% | 4,069 |
| Net loans and leases to deposits | 65.5139% | 4,146 |
| Net loans and leases to core deposits | 67.0245% | 4,396 |
| Total domestic deposits to total assets | 86.3754% | 3,172 |
| Equity capital to assets | 13.2052% | 1,210 |
| Core capital (leverage) ratio | 13.7107% | 919 |
| Tier 1 risk-based capital ratio | 18.1283% | 2,241 |
| Total risk-based capital ratio | 19.1007% | 2,331 |
| Memoranda: | ||
| Average total assets | $67,032,000 | 5,532 |
| Average earning assets | $63,997,000 | 5,440 |
| Average equity | $8,931,000 | 5,066 |
| Average total loans | $41,917,500 | 5,243 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5962% | 5,411 |
| Cost of funding earning assets | 0.2337% | 6,066 |
| Net interest margin | 3.3626% | 4,427 |
| Noninterest income to average assets | 0.0751% | 6,466 |
| Noninterest expense to average assets | 2.5697% | 4,553 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5918% | 4,305 |
| Return on assets (ROA) | 0.5918% | 4,413 |
| Pretax return on assets | 0.6823% | 4,604 |
| Return on Equity (ROE) | 4.3745% | 4,950 |
| Retained earnings to average equity (ytd only) | 2.0059% | 4,807 |
| Net charge-offs to loans | 0.0025% | 5,430 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 445.0000% | 90 |
| Efficiency ratio | 79.0193% | 2,316 |
| Assets per employee ($millions) | 5.5088% | 1,640 |
| Cash dividends to net income (ytd only)* | 54.1451% | 2,068 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0781% | 5,250 |
| Loan loss allowance to noncurrent loans | 310.2564% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2360% | 5,571 |
| Noncurrent loans to loans | 0.3475% | 5,145 |
| Net loans and leases to total assets | 67.1815% | 2,487 |
| Net loans and leases to deposits | 78.8632% | 2,605 |
| Net loans and leases to core deposits | 80.7590% | 3,041 |
| Total domestic deposits to total assets | 85.1874% | 3,649 |
| Equity capital to assets | 13.4451% | 1,090 |
| Core capital (leverage) ratio | 13.7067% | 896 |
| Tier 1 risk-based capital ratio | 16.6970% | 2,763 |
| Total risk-based capital ratio | 17.5974% | 2,887 |
| Memoranda: | ||
| Average total assets | $65,221,400 | 5,615 |
| Average earning assets | $61,619,800 | 5,547 |
| Average equity | $8,823,800 | 5,134 |
| Average total loans | $40,396,400 | 5,330 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5883% | 5,473 |
| Cost of funding earning assets | 0.2379% | 6,170 |
| Net interest margin | 3.3504% | 4,465 |
| Noninterest income to average assets | -0.0390% | 6,787 |
| Noninterest expense to average assets | 2.5845% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4677% | 4,943 |
| Return on assets (ROA) | 0.4677% | 5,089 |
| Pretax return on assets | 0.5251% | 5,284 |
| Return on Equity (ROE) | 3.4514% | 5,463 |
| Retained earnings to average equity (ytd only) | 0.9688% | 5,590 |
| Net charge-offs to loans | 0.0034% | 5,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 256.6316% | 227 |
| Efficiency ratio | 83.1135% | 1,694 |
| Assets per employee ($millions) | 5.4743% | 1,653 |
| Cash dividends to net income (ytd only)* | 71.9300% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2459% | 4,659 |
| Loan loss allowance to noncurrent loans | 314.2857% | 1,316 |
| Noncurrent assets plus other real estate owned to assets | 0.2344% | 5,742 |
| Noncurrent loans to loans | 0.3964% | 5,203 |
| Net loans and leases to total assets | 58.3976% | 3,943 |
| Net loans and leases to deposits | 67.7894% | 4,090 |
| Net loans and leases to core deposits | 69.4096% | 4,383 |
| Total domestic deposits to total assets | 86.1457% | 3,170 |
| Equity capital to assets | 13.4189% | 1,156 |
| Core capital (leverage) ratio | 13.7641% | 933 |
| Tier 1 risk-based capital ratio | 18.4448% | 2,161 |
| Total risk-based capital ratio | 19.4522% | 2,212 |
| Memoranda: | ||
| Average total assets | $65,000,250 | 5,686 |
| Average earning assets | $61,086,750 | 5,623 |
| Average equity | $8,807,750 | 5,187 |
| Average total loans | $39,271,750 | 5,432 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 5,509 |
| Cost of funding earning assets | 0.2456% | 6,203 |
| Net interest margin | 3.3300% | 4,448 |
| Noninterest income to average assets | -0.1482% | 6,859 |
| Noninterest expense to average assets | 2.6000% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3860% | 5,263 |
| Return on assets (ROA) | 0.3860% | 5,428 |
| Pretax return on assets | 0.3922% | 5,654 |
| Return on Equity (ROE) | 2.8392% | 5,685 |
| Retained earnings to average equity (ytd only) | 0.1363% | 5,811 |
| Net charge-offs to loans | 0.0051% | 4,802 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 384 |
| Efficiency ratio | 86.8937% | 1,324 |
| Assets per employee ($millions) | 5.4147% | 1,679 |
| Cash dividends to net income (ytd only)* | 95.2000% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2458% | 4,755 |
| Loan loss allowance to noncurrent loans | 250.7772% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.4340% | 5,192 |
| Noncurrent loans to loans | 0.4968% | 5,024 |
| Net loans and leases to total assets | 59.0464% | 3,821 |
| Net loans and leases to deposits | 68.5327% | 3,931 |
| Net loans and leases to core deposits | 69.6690% | 4,304 |
| Total domestic deposits to total assets | 86.1580% | 3,282 |
| Equity capital to assets | 13.4619% | 1,154 |
| Core capital (leverage) ratio | 13.7571% | 896 |
| Tier 1 risk-based capital ratio | 17.8743% | 2,367 |
| Total risk-based capital ratio | 18.8570% | 2,440 |
| Memoranda: | ||
| Average total assets | $64,770,000 | 5,731 |
| Average earning assets | $61,081,000 | 5,662 |
| Average equity | $8,805,330 | 5,222 |
| Average total loans | $39,413,670 | 5,446 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6029% | 5,447 |
| Cost of funding earning assets | 0.2503% | 6,289 |
| Net interest margin | 3.3526% | 4,301 |
| Noninterest income to average assets | -0.2351% | 6,957 |
| Noninterest expense to average assets | 2.7464% | 3,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1979% | 5,901 |
| Return on assets (ROA) | 0.1979% | 6,010 |
| Pretax return on assets | 0.1670% | 6,142 |
| Return on Equity (ROE) | 1.4489% | 6,106 |
| Retained earnings to average equity (ytd only) | -1.9469% | 6,070 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2675% | 815 |
| Assets per employee ($millions) | 5.3200% | 1,841 |
| Cash dividends to net income (ytd only)* | 234.3750% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 4,362 |
| Loan loss allowance to noncurrent loans | 297.5460% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.5185% | 5,090 |
| Noncurrent loans to loans | 0.4616% | 5,266 |
| Net loans and leases to total assets | 54.5520% | 4,321 |
| Net loans and leases to deposits | 63.6801% | 4,357 |
| Net loans and leases to core deposits | 65.2527% | 4,625 |
| Total domestic deposits to total assets | 85.6657% | 3,702 |
| Equity capital to assets | 13.7892% | 1,098 |
| Core capital (leverage) ratio | 13.6106% | 908 |
| Tier 1 risk-based capital ratio | 18.9572% | 2,053 |
| Total risk-based capital ratio | 20.0074% | 2,084 |
| Memoranda: | ||
| Average total assets | $64,667,000 | 5,787 |
| Average earning assets | $60,728,500 | 5,722 |
| Average equity | $8,834,500 | 5,263 |
| Average total loans | $39,695,500 | 5,479 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9517% | 5,433 |
| Cost of funding earning assets | 0.3640% | 6,137 |
| Net interest margin | 3.5877% | 4,138 |
| Noninterest income to average assets | 0.3524% | 4,945 |
| Noninterest expense to average assets | 2.6281% | 4,651 |
| Loan and lease loss provision to assets | 0.0790% | 4,717 |
| Net operating income to assets | 0.8376% | 3,108 |
| Return on assets (ROA) | 0.8376% | 3,361 |
| Pretax return on assets | 1.0098% | 3,519 |
| Return on Equity (ROE) | 5.9888% | 4,174 |
| Retained earnings to average equity (ytd only) | 1.4690% | 5,133 |
| Net charge-offs to loans | 0.4006% | 2,655 |
| Credit loss provision to net charge-offs | 32.4675% | 5,076 |
| Earnings coverage of net charge-offs (x) | 4.4740% | 3,354 |
| Efficiency ratio | 70.7058% | 3,673 |
| Assets per employee ($millions) | 5.4578% | 1,723 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1003% | 5,552 |
| Loan loss allowance to noncurrent loans | 12,125.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.5039% | 5,208 |
| Noncurrent loans to loans | 0.0091% | 6,549 |
| Net loans and leases to total assets | 66.5633% | 2,446 |
| Net loans and leases to deposits | 81.1145% | 2,130 |
| Net loans and leases to core deposits | 83.1521% | 2,653 |
| Total domestic deposits to total assets | 82.0610% | 5,073 |
| Equity capital to assets | 13.5371% | 1,214 |
| Core capital (leverage) ratio | 13.9145% | 826 |
| Tier 1 risk-based capital ratio | 16.3026% | 2,992 |
| Total risk-based capital ratio | 17.2013% | 3,151 |
| Memoranda: | ||
| Average total assets | $63,277,600 | 5,850 |
| Average earning assets | $59,342,000 | 5,771 |
| Average equity | $8,849,800 | 5,262 |
| Average total loans | $38,439,400 | 5,569 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9369% | 5,693 |
| Cost of funding earning assets | 0.3842% | 6,201 |
| Net interest margin | 3.5527% | 4,430 |
| Noninterest income to average assets | 0.4549% | 4,248 |
| Noninterest expense to average assets | 2.7102% | 4,322 |
| Loan and lease loss provision to assets | 0.1063% | 4,239 |
| Net operating income to assets | 0.8205% | 3,342 |
| Return on assets (ROA) | 0.8205% | 3,589 |
| Pretax return on assets | 0.9799% | 3,790 |
| Return on Equity (ROE) | 5.8180% | 4,428 |
| Retained earnings to average equity (ytd only) | 2.4267% | 5,118 |
| Net charge-offs to loans | 0.4429% | 2,335 |
| Credit loss provision to net charge-offs | 40.6504% | 4,601 |
| Earnings coverage of net charge-offs (x) | 4.1544% | 3,382 |
| Efficiency ratio | 71.3886% | 3,432 |
| Assets per employee ($millions) | 5.3382% | 1,799 |
| Cash dividends to net income (ytd only)* | 58.2901% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3407% | 4,629 |
| Loan loss allowance to noncurrent loans | 845.9016% | 503 |
| Noncurrent assets plus other real estate owned to assets | 0.6978% | 4,941 |
| Noncurrent loans to loans | 0.1585% | 6,211 |
| Net loans and leases to total assets | 59.2744% | 3,914 |
| Net loans and leases to deposits | 69.5804% | 3,955 |
| Net loans and leases to core deposits | 71.2985% | 4,337 |
| Total domestic deposits to total assets | 85.1884% | 3,665 |
| Equity capital to assets | 13.9140% | 1,189 |
| Core capital (leverage) ratio | 13.9830% | 839 |
| Tier 1 risk-based capital ratio | 17.8460% | 2,411 |
| Total risk-based capital ratio | 18.8888% | 2,453 |
| Memoranda: | ||
| Average total assets | $62,723,500 | 5,925 |
| Average earning assets | $58,995,250 | 5,843 |
| Average equity | $8,845,750 | 5,310 |
| Average total loans | $37,029,250 | 5,704 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9119% | 5,879 |
| Cost of funding earning assets | 0.3987% | 6,272 |
| Net interest margin | 3.5132% | 4,611 |
| Noninterest income to average assets | 0.4656% | 4,161 |
| Noninterest expense to average assets | 2.5787% | 4,847 |
| Loan and lease loss provision to assets | 0.1606% | 3,509 |
| Net operating income to assets | 0.8639% | 3,066 |
| Return on assets (ROA) | 0.8639% | 3,334 |
| Pretax return on assets | 1.0373% | 3,570 |
| Return on Equity (ROE) | 6.0975% | 4,275 |
| Retained earnings to average equity (ytd only) | 2.6974% | 4,828 |
| Net charge-offs to loans | 0.6786% | 1,631 |
| Credit loss provision to net charge-offs | 40.3226% | 4,252 |
| Earnings coverage of net charge-offs (x) | 3.0081% | 3,545 |
| Efficiency ratio | 68.2823% | 4,069 |
| Assets per employee ($millions) | 5.3038% | 1,814 |
| Cash dividends to net income (ytd only)* | 55.7621% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3836% | 4,521 |
| Loan loss allowance to noncurrent loans | 804.6875% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 5,023 |
| Noncurrent loans to loans | 0.1719% | 6,240 |
| Net loans and leases to total assets | 57.6730% | 4,223 |
| Net loans and leases to deposits | 67.6521% | 4,258 |
| Net loans and leases to core deposits | 69.3285% | 4,622 |
| Total domestic deposits to total assets | 85.2494% | 3,741 |
| Equity capital to assets | 13.9524% | 1,112 |
| Core capital (leverage) ratio | 14.2523% | 747 |
| Tier 1 risk-based capital ratio | 18.9318% | 1,985 |
| Total risk-based capital ratio | 20.0414% | 2,005 |
| Memoranda: | ||
| Average total assets | $62,278,670 | 5,968 |
| Average earning assets | $58,692,330 | 5,885 |
| Average equity | $8,823,330 | 5,312 |
| Average total loans | $36,543,670 | 5,757 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 5,983 |
| Cost of funding earning assets | 0.4128% | 6,347 |
| Net interest margin | 3.5019% | 4,689 |
| Noninterest income to average assets | 0.5000% | 3,912 |
| Noninterest expense to average assets | 2.7859% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8572% | 3,121 |
| Return on assets (ROA) | 0.8572% | 3,356 |
| Pretax return on assets | 1.0196% | 3,608 |
| Return on Equity (ROE) | 6.0034% | 4,292 |
| Retained earnings to average equity (ytd only) | 2.5924% | 4,961 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2082% | 3,222 |
| Assets per employee ($millions) | 4.9852% | 2,271 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 3,028 |
| Loan loss allowance to noncurrent loans | 4,908.3333% | 112 |
| Noncurrent assets plus other real estate owned to assets | 0.6653% | 5,231 |
| Noncurrent loans to loans | 0.0365% | 6,670 |
| Net loans and leases to total assets | 54.0203% | 4,720 |
| Net loans and leases to deposits | 63.8694% | 4,656 |
| Net loans and leases to core deposits | 65.9013% | 4,923 |
| Total domestic deposits to total assets | 84.5793% | 4,233 |
| Equity capital to assets | 14.7287% | 796 |
| Core capital (leverage) ratio | 14.8712% | 619 |
| Tier 1 risk-based capital ratio | 20.7145% | 1,541 |
| Total risk-based capital ratio | 21.9656% | 1,513 |
| Memoranda: | ||
| Average total assets | $61,595,500 | 6,020 |
| Average earning assets | $58,139,500 | 5,933 |
| Average equity | $8,795,000 | 5,334 |
| Average total loans | $36,205,000 | 5,816 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 5,496 |
| Cost of funding earning assets | 0.5491% | 6,343 |
| Net interest margin | 3.8313% | 3,665 |
| Noninterest income to average assets | 0.3787% | 4,798 |
| Noninterest expense to average assets | 2.7887% | 4,388 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9273% | 2,495 |
| Return on assets (ROA) | 0.9273% | 2,617 |
| Pretax return on assets | 1.2517% | 2,294 |
| Return on Equity (ROE) | 6.2404% | 3,756 |
| Retained earnings to average equity (ytd only) | 1.6687% | 5,017 |
| Net charge-offs to loans | 0.0165% | 6,206 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 122.8333% | 266 |
| Efficiency ratio | 69.0206% | 4,143 |
| Assets per employee ($millions) | 5.2808% | 1,854 |
| Cash dividends to net income (ytd only)* | 73.2601% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 4,068 |
| Loan loss allowance to noncurrent loans | 3,272.2222% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.6375% | 5,378 |
| Noncurrent loans to loans | 0.0456% | 6,711 |
| Net loans and leases to total assets | 61.4117% | 3,708 |
| Net loans and leases to deposits | 71.7584% | 3,833 |
| Net loans and leases to core deposits | 73.5319% | 4,300 |
| Total domestic deposits to total assets | 85.5813% | 3,551 |
| Equity capital to assets | 13.8538% | 1,122 |
| Core capital (leverage) ratio | 14.5622% | 701 |
| Tier 1 risk-based capital ratio | 18.1204% | 2,151 |
| Total risk-based capital ratio | 19.3516% | 2,133 |
| Memoranda: | ||
| Average total assets | $58,880,800 | 6,081 |
| Average earning assets | $56,272,600 | 5,969 |
| Average equity | $8,749,400 | 5,349 |
| Average total loans | $36,397,800 | 5,852 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 5,543 |
| Cost of funding earning assets | 0.5829% | 6,365 |
| Net interest margin | 3.8372% | 3,681 |
| Noninterest income to average assets | 0.4271% | 4,462 |
| Noninterest expense to average assets | 2.9386% | 3,782 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8680% | 2,869 |
| Return on assets (ROA) | 0.8680% | 3,015 |
| Pretax return on assets | 1.1657% | 2,763 |
| Return on Equity (ROE) | 5.7346% | 4,150 |
| Retained earnings to average equity (ytd only) | 2.3030% | 4,970 |
| Net charge-offs to loans | 0.0225% | 5,835 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 84.1650% | 424 |
| Efficiency ratio | 71.5973% | 3,639 |
| Assets per employee ($millions) | 4.8443% | 2,401 |
| Cash dividends to net income (ytd only)* | 59.8400% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6404% | 3,483 |
| Loan loss allowance to noncurrent loans | 4,207.1429% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.6881% | 5,423 |
| Noncurrent loans to loans | 0.0390% | 6,843 |
| Net loans and leases to total assets | 60.7524% | 3,991 |
| Net loans and leases to deposits | 72.4460% | 3,907 |
| Net loans and leases to core deposits | 74.5992% | 4,366 |
| Total domestic deposits to total assets | 83.8589% | 4,298 |
| Equity capital to assets | 15.1451% | 814 |
| Core capital (leverage) ratio | 14.9217% | 684 |
| Tier 1 risk-based capital ratio | 19.7554% | 1,745 |
| Total risk-based capital ratio | 21.0058% | 1,716 |
| Memoranda: | ||
| Average total assets | $57,758,750 | 6,158 |
| Average earning assets | $55,352,000 | 6,056 |
| Average equity | $8,742,000 | 5,377 |
| Average total loans | $35,621,000 | 5,940 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 5,905 |
| Cost of funding earning assets | 0.6037% | 6,446 |
| Net interest margin | 3.7268% | 4,141 |
| Noninterest income to average assets | 0.4234% | 4,482 |
| Noninterest expense to average assets | 2.9288% | 3,906 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7981% | 3,088 |
| Return on assets (ROA) | 0.7981% | 3,210 |
| Pretax return on assets | 1.0723% | 2,960 |
| Return on Equity (ROE) | 5.2744% | 4,322 |
| Retained earnings to average equity (ytd only) | 1.8346% | 5,068 |
| Net charge-offs to loans | 0.0338% | 5,380 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 51.5000% | 612 |
| Efficiency ratio | 73.2003% | 3,512 |
| Assets per employee ($millions) | 5.3181% | 1,740 |
| Cash dividends to net income (ytd only)* | 65.2174% | 1,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7091% | 3,294 |
| Loan loss allowance to noncurrent loans | 130.0221% | 2,266 |
| Noncurrent assets plus other real estate owned to assets | 1.4342% | 4,059 |
| Noncurrent loans to loans | 1.3145% | 4,448 |
| Net loans and leases to total assets | 57.9036% | 4,649 |
| Net loans and leases to deposits | 68.8378% | 4,585 |
| Net loans and leases to core deposits | 70.8611% | 4,969 |
| Total domestic deposits to total assets | 84.1160% | 4,298 |
| Equity capital to assets | 14.9353% | 837 |
| Core capital (leverage) ratio | 14.8651% | 696 |
| Tier 1 risk-based capital ratio | 20.2791% | 1,557 |
| Total risk-based capital ratio | 21.5308% | 1,528 |
| Memoranda: | ||
| Average total assets | $57,634,670 | 6,216 |
| Average earning assets | $55,329,670 | 6,110 |
| Average equity | $8,721,330 | 5,402 |
| Average total loans | $35,526,330 | 5,990 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 5,683 |
| Cost of funding earning assets | 0.6177% | 6,533 |
| Net interest margin | 3.7859% | 3,674 |
| Noninterest income to average assets | 0.4545% | 4,240 |
| Noninterest expense to average assets | 2.8810% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8951% | 2,588 |
| Return on assets (ROA) | 0.8951% | 2,648 |
| Pretax return on assets | 1.2167% | 2,316 |
| Return on Equity (ROE) | 5.8759% | 3,977 |
| Retained earnings to average equity (ytd only) | 2.4330% | 4,689 |
| Net charge-offs to loans | 0.0444% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 643 |
| Efficiency ratio | 70.3072% | 4,193 |
| Assets per employee ($millions) | 5.2146% | 1,881 |
| Cash dividends to net income (ytd only)* | 58.5938% | 1,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 3,031 |
| Loan loss allowance to noncurrent loans | 145.9259% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 5,519 |
| Noncurrent loans to loans | 1.2296% | 4,629 |
| Net loans and leases to total assets | 56.3920% | 4,929 |
| Net loans and leases to deposits | 67.3489% | 4,776 |
| Net loans and leases to core deposits | 69.3755% | 5,125 |
| Total domestic deposits to total assets | 83.7311% | 4,603 |
| Equity capital to assets | 15.2456% | 715 |
| Core capital (leverage) ratio | 15.1427% | 637 |
| Tier 1 risk-based capital ratio | 20.9873% | 1,398 |
| Total risk-based capital ratio | 22.2404% | 1,375 |
| Memoranda: | ||
| Average total assets | $57,202,500 | 6,281 |
| Average earning assets | $55,047,000 | 6,159 |
| Average equity | $8,713,500 | 5,403 |
| Average total loans | $36,058,500 | 6,023 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7082% | 5,776 |
| Cost of funding earning assets | 0.7465% | 6,751 |
| Net interest margin | 3.9617% | 3,204 |
| Noninterest income to average assets | 0.4560% | 4,473 |
| Noninterest expense to average assets | 3.0200% | 3,770 |
| Loan and lease loss provision to assets | 0.0814% | 6,335 |
| Net operating income to assets | 0.8523% | 2,579 |
| Return on assets (ROA) | 0.8523% | 2,719 |
| Pretax return on assets | 1.1382% | 2,439 |
| Return on Equity (ROE) | 4.9790% | 4,075 |
| Retained earnings to average equity (ytd only) | -23.6157% | 7,082 |
| Net charge-offs to loans | 0.5245% | 3,525 |
| Credit loss provision to net charge-offs | 23.6842% | 6,532 |
| Earnings coverage of net charge-offs (x) | 3.5474% | 3,309 |
| Efficiency ratio | 71.2335% | 3,947 |
| Assets per employee ($millions) | 5.1858% | 1,878 |
| Cash dividends to net income (ytd only)* | 574.3100% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 3,903 |
| Loan loss allowance to noncurrent loans | 82.8691% | 3,425 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 4,516 |
| Noncurrent loans to loans | 1.8326% | 3,776 |
| Net loans and leases to total assets | 67.6390% | 3,070 |
| Net loans and leases to deposits | 80.9279% | 3,005 |
| Net loans and leases to core deposits | 83.3798% | 3,689 |
| Total domestic deposits to total assets | 83.5793% | 4,569 |
| Equity capital to assets | 15.2198% | 738 |
| Core capital (leverage) ratio | 15.1524% | 641 |
| Tier 1 risk-based capital ratio | 19.1278% | 1,687 |
| Total risk-based capital ratio | 20.3780% | 1,654 |
| Memoranda: | ||
| Average total assets | $55,264,200 | 6,361 |
| Average earning assets | $52,780,400 | 6,260 |
| Average equity | $9,459,800 | 5,278 |
| Average total loans | $36,222,200 | 6,104 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 5,992 |
| Cost of funding earning assets | 0.7747% | 6,832 |
| Net interest margin | 3.9321% | 3,394 |
| Noninterest income to average assets | 0.4548% | 4,521 |
| Noninterest expense to average assets | 3.1229% | 3,224 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8196% | 2,920 |
| Return on assets (ROA) | 0.8196% | 3,065 |
| Pretax return on assets | 1.0847% | 2,878 |
| Return on Equity (ROE) | 4.6541% | 4,474 |
| Retained earnings to average equity (ytd only) | -31.3222% | 7,399 |
| Net charge-offs to loans | 0.0564% | 5,956 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 29.7325% | 883 |
| Efficiency ratio | 74.2197% | 3,283 |
| Assets per employee ($millions) | 5.0205% | 2,149 |
| Cash dividends to net income (ytd only)* | 773.0014% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9490% | 2,353 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 7,216 |
| Noncurrent loans to loans | 0.0780% | 7,048 |
| Net loans and leases to total assets | 66.0462% | 3,680 |
| Net loans and leases to deposits | 79.7560% | 3,495 |
| Net loans and leases to core deposits | 82.2747% | 4,204 |
| Total domestic deposits to total assets | 82.8103% | 4,670 |
| Equity capital to assets | 15.4513% | 778 |
| Core capital (leverage) ratio | 15.5391% | 629 |
| Tier 1 risk-based capital ratio | 19.7166% | 1,599 |
| Total risk-based capital ratio | 20.9709% | 1,568 |
| Memoranda: | ||
| Average total assets | $54,819,250 | 6,453 |
| Average earning assets | $52,320,500 | 6,356 |
| Average equity | $9,654,250 | 5,303 |
| Average total loans | $35,483,000 | 6,221 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 6,522 |
| Cost of funding earning assets | 0.7938% | 6,933 |
| Net interest margin | 3.7860% | 3,954 |
| Noninterest income to average assets | 0.4389% | 4,617 |
| Noninterest expense to average assets | 3.0722% | 3,423 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7644% | 3,125 |
| Return on assets (ROA) | 0.7644% | 3,281 |
| Pretax return on assets | 0.9948% | 3,137 |
| Return on Equity (ROE) | 4.1683% | 4,702 |
| Retained earnings to average equity (ytd only) | -45.7918% | 7,575 |
| Net charge-offs to loans | 0.0859% | 5,281 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 18.1333% | 1,302 |
| Efficiency ratio | 75.5396% | 3,154 |
| Assets per employee ($millions) | 4.8500% | 2,375 |
| Cash dividends to net income (ytd only)* | 1,198.5646% | 14 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0701% | 2,033 |
| Loan loss allowance to noncurrent loans | 805.5556% | 422 |
| Noncurrent assets plus other real estate owned to assets | 0.1687% | 6,964 |
| Noncurrent loans to loans | 0.2570% | 6,716 |
| Net loans and leases to total assets | 64.2868% | 4,203 |
| Net loans and leases to deposits | 77.9141% | 3,982 |
| Net loans and leases to core deposits | 79.3563% | 4,767 |
| Total domestic deposits to total assets | 82.5098% | 4,779 |
| Equity capital to assets | 15.8857% | 689 |
| Core capital (leverage) ratio | 15.7460% | 602 |
| Tier 1 risk-based capital ratio | 20.5719% | 1,416 |
| Total risk-based capital ratio | 21.8291% | 1,385 |
| Memoranda: | ||
| Average total assets | $54,684,000 | 6,503 |
| Average earning assets | $52,403,000 | 6,390 |
| Average equity | $10,028,000 | 5,192 |
| Average total loans | $34,911,000 | 6,290 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 6,690 |
| Cost of funding earning assets | 0.8079% | 7,068 |
| Net interest margin | 3.7373% | 4,064 |
| Noninterest income to average assets | 0.4336% | 4,625 |
| Noninterest expense to average assets | 2.9846% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7877% | 3,023 |
| Return on assets (ROA) | 0.7877% | 3,140 |
| Pretax return on assets | 1.0262% | 2,984 |
| Return on Equity (ROE) | 4.0354% | 4,881 |
| Retained earnings to average equity (ytd only) | 4.0354% | 3,731 |
| Net charge-offs to loans | 0.1721% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 9.4667% | 1,850 |
| Efficiency ratio | 74.4144% | 3,510 |
| Assets per employee ($millions) | 5.0839% | 2,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1952% | 1,765 |
| Loan loss allowance to noncurrent loans | 805.5556% | 401 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 7,076 |
| Noncurrent loans to loans | 0.2725% | 6,774 |
| Net loans and leases to total assets | 57.7598% | 5,485 |
| Net loans and leases to deposits | 72.8402% | 4,939 |
| Net loans and leases to core deposits | 74.6068% | 5,437 |
| Total domestic deposits to total assets | 79.2965% | 6,012 |
| Equity capital to assets | 19.4178% | 312 |
| Core capital (leverage) ratio | 19.8644% | 258 |
| Tier 1 risk-based capital ratio | 27.0736% | 701 |
| Total risk-based capital ratio | 28.3294% | 686 |
| Memoranda: | ||
| Average total assets | $55,351,000 | 6,559 |
| Average earning assets | $52,979,500 | 6,439 |
| Average equity | $10,804,500 | 5,027 |
| Average total loans | $34,855,500 | 6,380 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0203% | 6,369 |
| Cost of funding earning assets | 1.0503% | 7,100 |
| Net interest margin | 3.9700% | 2,986 |
| Noninterest income to average assets | 0.4298% | 4,965 |
| Noninterest expense to average assets | 3.2976% | 3,015 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6984% | 2,942 |
| Return on assets (ROA) | 0.6984% | 3,010 |
| Pretax return on assets | 0.8855% | 2,968 |
| Return on Equity (ROE) | 3.5792% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.5792% | 2,675 |
| Net charge-offs to loans | 0.0084% | 7,115 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 159.3333% | 184 |
| Efficiency ratio | 78.8308% | 3,071 |
| Assets per employee ($millions) | 4.9799% | 2,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0172% | 1,982 |
| Loan loss allowance to noncurrent loans | 2,242.4242% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 7,349 |
| Noncurrent loans to loans | 0.0900% | 7,188 |
| Net loans and leases to total assets | 65.6182% | 4,255 |
| Net loans and leases to deposits | 82.7863% | 3,486 |
| Net loans and leases to core deposits | 90.1985% | 5,105 |
| Total domestic deposits to total assets | 79.2621% | 5,915 |
| Equity capital to assets | 19.6243% | 325 |
| Core capital (leverage) ratio | 19.6085% | 295 |
| Tier 1 risk-based capital ratio | 24.7949% | 864 |
| Total risk-based capital ratio | 26.0511% | 839 |
| Memoranda: | ||
| Average total assets | $53,979,000 | 6,556 |
| Average earning assets | $51,032,600 | 6,495 |
| Average equity | $10,533,200 | 5,150 |
| Average total loans | $35,622,800 | 6,327 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0502% | 6,451 |
| Cost of funding earning assets | 1.0983% | 7,177 |
| Net interest margin | 3.9519% | 3,028 |
| Noninterest income to average assets | 0.4388% | 4,967 |
| Noninterest expense to average assets | 3.0395% | 3,885 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8206% | 2,723 |
| Return on assets (ROA) | 0.8206% | 2,788 |
| Pretax return on assets | 1.1280% | 2,479 |
| Return on Equity (ROE) | 4.2115% | 4,297 |
| Retained earnings to average equity (ytd only) | 4.2115% | 2,921 |
| Net charge-offs to loans | 0.0113% | 6,777 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 151.6625% | 252 |
| Efficiency ratio | 72.9328% | 4,068 |
| Assets per employee ($millions) | 4.9154% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0389% | 1,708 |
| Loan loss allowance to noncurrent loans | 5,285.7143% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 7,524 |
| Noncurrent loans to loans | 0.0386% | 7,419 |
| Net loans and leases to total assets | 65.7567% | 4,475 |
| Net loans and leases to deposits | 83.8419% | 3,676 |
| Net loans and leases to core deposits | 92.9565% | 5,142 |
| Total domestic deposits to total assets | 78.4294% | 5,971 |
| Equity capital to assets | 19.7673% | 360 |
| Core capital (leverage) ratio | 19.6068% | 339 |
| Tier 1 risk-based capital ratio | 25.0362% | 895 |
| Total risk-based capital ratio | 26.2914% | 870 |
| Memoranda: | ||
| Average total assets | $53,779,000 | 6,611 |
| Average earning assets | $50,742,250 | 6,548 |
| Average equity | $10,479,000 | 5,212 |
| Average total loans | $35,357,250 | 6,388 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 6,734 |
| Cost of funding earning assets | 1.1396% | 7,276 |
| Net interest margin | 3.8698% | 3,250 |
| Noninterest income to average assets | 0.4284% | 5,050 |
| Noninterest expense to average assets | 3.0587% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7228% | 3,157 |
| Return on assets (ROA) | 0.7228% | 3,264 |
| Pretax return on assets | 1.0134% | 2,955 |
| Return on Equity (ROE) | 3.7274% | 4,605 |
| Retained earnings to average equity (ytd only) | 3.7274% | 3,220 |
| Net charge-offs to loans | 0.0171% | 6,284 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 90.6667% | 425 |
| Efficiency ratio | 75.1144% | 3,859 |
| Assets per employee ($millions) | 5.0596% | 2,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1128% | 1,372 |
| Loan loss allowance to noncurrent loans | 224.9240% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5911% | 5,935 |
| Noncurrent loans to loans | 0.9393% | 5,342 |
| Net loans and leases to total assets | 61.6016% | 5,424 |
| Net loans and leases to deposits | 77.4715% | 4,945 |
| Net loans and leases to core deposits | 88.1476% | 5,708 |
| Total domestic deposits to total assets | 79.5152% | 5,638 |
| Equity capital to assets | 18.8461% | 472 |
| Core capital (leverage) ratio | 19.5128% | 389 |
| Tier 1 risk-based capital ratio | 25.0628% | 932 |
| Total risk-based capital ratio | 26.3143% | 915 |
| Memoranda: | ||
| Average total assets | $53,682,330 | 6,680 |
| Average earning assets | $50,545,330 | 6,610 |
| Average equity | $10,409,330 | 5,241 |
| Average total loans | $35,045,000 | 6,455 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2144% | 6,237 |
| Cost of funding earning assets | 1.2183% | 7,256 |
| Net interest margin | 3.9961% | 2,659 |
| Noninterest income to average assets | 0.4327% | 4,935 |
| Noninterest expense to average assets | 3.0211% | 3,667 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8350% | 2,976 |
| Return on assets (ROA) | 0.8350% | 3,123 |
| Pretax return on assets | 1.1462% | 2,813 |
| Return on Equity (ROE) | 4.2432% | 4,819 |
| Retained earnings to average equity (ytd only) | 4.2432% | 3,548 |
| Net charge-offs to loans | 0.0342% | 5,037 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 50.3333% | 723 |
| Efficiency ratio | 72.4954% | 4,107 |
| Assets per employee ($millions) | 4.8371% | 2,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2350% | 1,042 |
| Loan loss allowance to noncurrent loans | 4,933.3333% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 7,535 |
| Noncurrent loans to loans | 0.0453% | 7,410 |
| Net loans and leases to total assets | 60.8367% | 5,523 |
| Net loans and leases to deposits | 77.2554% | 5,047 |
| Net loans and leases to core deposits | 88.2064% | 5,716 |
| Total domestic deposits to total assets | 78.7476% | 5,810 |
| Equity capital to assets | 19.6004% | 439 |
| Core capital (leverage) ratio | 20.3074% | 380 |
| Tier 1 risk-based capital ratio | 25.9089% | 900 |
| Total risk-based capital ratio | 27.1661% | 879 |
| Memoranda: | ||
| Average total assets | $52,695,500 | 6,750 |
| Average earning assets | $49,248,000 | 6,699 |
| Average equity | $10,369,500 | 5,275 |
| Average total loans | $35,055,000 | 6,492 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9407% | 5,848 |
| Cost of funding earning assets | 1.6757% | 7,316 |
| Net interest margin | 4.2650% | 2,083 |
| Noninterest income to average assets | 0.4861% | 4,735 |
| Noninterest expense to average assets | 3.1030% | 3,683 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0227% | 2,464 |
| Return on assets (ROA) | 1.0227% | 2,347 |
| Pretax return on assets | 1.4310% | 1,867 |
| Return on Equity (ROE) | 5.0557% | 4,361 |
| Retained earnings to average equity (ytd only) | 2.4125% | 3,700 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4391% | 4,643 |
| Assets per employee ($millions) | 4.7439% | 2,255 |
| Cash dividends to net income (ytd only)* | 52.2814% | 3,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 1,205 |
| Loan loss allowance to noncurrent loans | 1,428.8462% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0996% | 7,181 |
| Noncurrent loans to loans | 0.1405% | 6,990 |
| Net loans and leases to total assets | 69.4805% | 4,149 |
| Net loans and leases to deposits | 88.9001% | 3,652 |
| Net loans and leases to core deposits | 100.3626% | 4,791 |
| Total domestic deposits to total assets | 78.1557% | 5,660 |
| Equity capital to assets | 19.7574% | 482 |
| Core capital (leverage) ratio | 19.4615% | 473 |
| Tier 1 risk-based capital ratio | 24.1221% | 1,075 |
| Total risk-based capital ratio | 25.3771% | 1,052 |
| Memoranda: | ||
| Average total assets | $51,434,000 | 6,714 |
| Average earning assets | $48,816,200 | 6,644 |
| Average equity | $10,404,000 | 5,292 |
| Average total loans | $35,344,800 | 6,401 |