Home > River Falls State Bank > Performance and Condition Ratios
River Falls State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9064% | 4,077 |
| Cost of funding earning assets | 0.9923% | 3,315 |
| Net interest margin | 2.9141% | 3,451 |
| Noninterest income to average assets | 0.4400% | 2,284 |
| Noninterest expense to average assets | 2.3571% | 2,704 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7775% | 2,948 |
| Return on assets (ROA) | 0.7859% | 2,897 |
| Pretax return on assets | 0.7883% | 3,237 |
| Return on Equity (ROE) | 9.7600% | 2,562 |
| Retained earnings to average equity (ytd only) | 2.8844% | 3,318 |
| Net charge-offs to loans | 0.0022% | 2,733 |
| Credit loss provision to net charge-offs | 1,500.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 522.0000% | 281 |
| Efficiency ratio | 74.5924% | 1,396 |
| Assets per employee ($millions) | 6.1452% | 2,696 |
| Cash dividends to net income (ytd only)* | 70.4501% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 1,587 |
| Loan loss allowance to noncurrent loans | 1,189.8148% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0799% | 3,010 |
| Noncurrent loans to loans | 0.1132% | 2,963 |
| Net loans and leases to total assets | 69.6200% | 1,851 |
| Net loans and leases to deposits | 79.6773% | 2,141 |
| Net loans and leases to core deposits | 89.5935% | 2,080 |
| Total domestic deposits to total assets | 87.3700% | 1,568 |
| Equity capital to assets | 8.2658% | 3,231 |
| Core capital (leverage) ratio | 10.7409% | 2,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $130,033,800 | 3,552 |
| Average earning assets | $121,237,000 | 3,531 |
| Average equity | $10,470,000 | 3,667 |
| Average total loans | $92,055,200 | 3,260 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 4,131 |
| Cost of funding earning assets | 0.8966% | 3,281 |
| Net interest margin | 2.8831% | 3,581 |
| Noninterest income to average assets | 0.4500% | 2,198 |
| Noninterest expense to average assets | 2.3871% | 2,552 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.7198% | 3,260 |
| Return on assets (ROA) | 0.7312% | 3,212 |
| Pretax return on assets | 0.7332% | 3,483 |
| Return on Equity (ROE) | 9.1400% | 2,889 |
| Retained earnings to average equity (ytd only) | 4.4168% | 3,144 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 76.1983% | 1,157 |
| Assets per employee ($millions) | 5.6814% | 3,039 |
| Cash dividends to net income (ytd only)* | 51.6997% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3454% | 1,671 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 71.8300% | 1,595 |
| Net loans and leases to deposits | 81.7782% | 1,917 |
| Net loans and leases to core deposits | 92.3316% | 1,772 |
| Total domestic deposits to total assets | 87.8300% | 1,633 |
| Equity capital to assets | 7.4209% | 3,402 |
| Core capital (leverage) ratio | 10.9764% | 2,012 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $128,743,500 | 3,572 |
| Average earning assets | $120,005,750 | 3,556 |
| Average equity | $10,293,750 | 3,688 |
| Average total loans | $91,218,250 | 3,276 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6442% | 4,204 |
| Cost of funding earning assets | 0.7717% | 3,292 |
| Net interest margin | 2.8725% | 3,697 |
| Noninterest income to average assets | 0.4400% | 2,200 |
| Noninterest expense to average assets | 2.3934% | 2,506 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 0.6979% | 3,350 |
| Return on assets (ROA) | 0.7197% | 3,298 |
| Pretax return on assets | 0.7213% | 3,561 |
| Return on Equity (ROE) | 8.7900% | 3,035 |
| Retained earnings to average equity (ytd only) | 5.6611% | 2,739 |
| Net charge-offs to loans | -0.0022% | 3,551 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 76.8036% | 1,106 |
| Assets per employee ($millions) | 5.6545% | 3,018 |
| Cash dividends to net income (ytd only)* | 35.5748% | 1,878 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3618% | 1,665 |
| Loan loss allowance to noncurrent loans | 986.8217% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.0992% | 2,840 |
| Noncurrent loans to loans | 0.1380% | 2,780 |
| Net loans and leases to total assets | 70.9000% | 1,647 |
| Net loans and leases to deposits | 83.5847% | 1,707 |
| Net loans and leases to core deposits | 89.7079% | 1,819 |
| Total domestic deposits to total assets | 84.8300% | 2,590 |
| Equity capital to assets | 8.2074% | 3,080 |
| Core capital (leverage) ratio | 11.2684% | 1,754 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $128,100,667 | 3,591 |
| Average earning assets | $119,479,000 | 3,578 |
| Average equity | $10,492,667 | 3,681 |
| Average total loans | $89,912,333 | 3,296 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5666% | 4,193 |
| Cost of funding earning assets | 0.6559% | 3,200 |
| Net interest margin | 2.9108% | 3,774 |
| Noninterest income to average assets | 0.4400% | 2,155 |
| Noninterest expense to average assets | 2.3945% | 2,549 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.7237% | 3,413 |
| Return on assets (ROA) | 0.7678% | 3,255 |
| Pretax return on assets | 0.7709% | 3,530 |
| Return on Equity (ROE) | 9.3400% | 2,957 |
| Retained earnings to average equity (ytd only) | 8.5733% | 2,065 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 76.1000% | 1,158 |
| Assets per employee ($millions) | 5.5059% | 3,218 |
| Cash dividends to net income (ytd only)* | 8.1967% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 1,499 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 68.8000% | 1,752 |
| Net loans and leases to deposits | 78.1482% | 1,958 |
| Net loans and leases to core deposits | 83.1884% | 2,047 |
| Total domestic deposits to total assets | 88.0400% | 1,914 |
| Equity capital to assets | 8.5292% | 2,869 |
| Core capital (leverage) ratio | 11.4309% | 1,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $127,124,500 | 3,643 |
| Average earning assets | $118,319,000 | 3,630 |
| Average equity | $10,451,000 | 3,727 |
| Average total loans | $88,127,500 | 3,351 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2803% | 3,638 |
| Cost of funding earning assets | 0.2623% | 3,226 |
| Net interest margin | 3.0180% | 3,406 |
| Noninterest income to average assets | 0.4900% | 2,149 |
| Noninterest expense to average assets | 2.3690% | 2,519 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.9057% | 2,936 |
| Return on assets (ROA) | 0.8891% | 2,950 |
| Pretax return on assets | 0.8907% | 3,386 |
| Return on Equity (ROE) | 9.6700% | 2,913 |
| Retained earnings to average equity (ytd only) | 0.6816% | 4,246 |
| Net charge-offs to loans | -0.0012% | 3,377 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 71.8720% | 1,458 |
| Assets per employee ($millions) | 5.5484% | 3,169 |
| Cash dividends to net income (ytd only)* | 92.9527% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 1,402 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 67.8600% | 1,844 |
| Net loans and leases to deposits | 73.8749% | 2,269 |
| Net loans and leases to core deposits | 78.0366% | 2,271 |
| Total domestic deposits to total assets | 91.8600% | 675 |
| Equity capital to assets | 7.9153% | 3,110 |
| Core capital (leverage) ratio | 11.2457% | 1,652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $126,086,600 | 3,675 |
| Average earning assets | $117,032,800 | 3,654 |
| Average equity | $11,590,800 | 3,706 |
| Average total loans | $81,464,800 | 3,396 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1980% | 3,443 |
| Cost of funding earning assets | 0.2057% | 3,205 |
| Net interest margin | 2.9923% | 3,236 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.3844% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8984% | 2,870 |
| Return on assets (ROA) | 0.8984% | 2,850 |
| Pretax return on assets | 0.9005% | 3,309 |
| Return on Equity (ROE) | 9.4400% | 2,894 |
| Retained earnings to average equity (ytd only) | 0.8024% | 4,246 |
| Net charge-offs to loans | -0.0150% | 3,879 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.5864% | 1,434 |
| Assets per employee ($millions) | 5.4283% | 3,293 |
| Cash dividends to net income (ytd only)* | 91.4994% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4668% | 1,398 |
| Loan loss allowance to noncurrent loans | 11,272.7273% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 3,913 |
| Noncurrent loans to loans | 0.0130% | 3,844 |
| Net loans and leases to total assets | 66.7200% | 1,812 |
| Net loans and leases to deposits | 75.2165% | 1,948 |
| Net loans and leases to core deposits | 77.0676% | 2,105 |
| Total domestic deposits to total assets | 88.7000% | 2,212 |
| Equity capital to assets | 7.8405% | 2,993 |
| Core capital (leverage) ratio | 11.3959% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $125,704,750 | 3,703 |
| Average earning assets | $116,653,750 | 3,688 |
| Average equity | $11,963,250 | 3,714 |
| Average total loans | $79,865,750 | 3,425 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1379% | 3,216 |
| Cost of funding earning assets | 0.1940% | 2,991 |
| Net interest margin | 2.9440% | 3,052 |
| Noninterest income to average assets | 0.5429% | 1,978 |
| Noninterest expense to average assets | 2.3669% | 2,348 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8969% | 2,597 |
| Return on assets (ROA) | 0.8969% | 2,572 |
| Pretax return on assets | 0.8985% | 3,070 |
| Return on Equity (ROE) | 8.9061% | 2,725 |
| Retained earnings to average equity (ytd only) | 5.9584% | 2,348 |
| Net charge-offs to loans | -0.0230% | 3,934 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4842% | 1,692 |
| Assets per employee ($millions) | 5.4092% | 3,321 |
| Cash dividends to net income (ytd only)* | 33.0973% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,318 |
| Loan loss allowance to noncurrent loans | 1,441.8605% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.0691% | 3,282 |
| Noncurrent loans to loans | 0.1064% | 3,219 |
| Net loans and leases to total assets | 63.9558% | 1,917 |
| Net loans and leases to deposits | 71.1999% | 2,093 |
| Net loans and leases to core deposits | 72.9313% | 2,243 |
| Total domestic deposits to total assets | 89.8257% | 1,784 |
| Equity capital to assets | 8.9880% | 2,393 |
| Core capital (leverage) ratio | 11.4988% | 1,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,989,000 | 3,744 |
| Average earning assets | $116,509,333 | 3,743 |
| Average equity | $12,688,000 | 3,712 |
| Average total loans | $78,308,667 | 3,475 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0449% | 3,120 |
| Cost of funding earning assets | 0.1914% | 2,923 |
| Net interest margin | 2.8535% | 2,979 |
| Noninterest income to average assets | 0.5900% | 1,734 |
| Noninterest expense to average assets | 2.3001% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.9245% | 2,181 |
| Return on assets (ROA) | 0.9245% | 2,176 |
| Pretax return on assets | 0.9245% | 2,682 |
| Return on Equity (ROE) | 8.7196% | 2,428 |
| Retained earnings to average equity (ytd only) | 8.7196% | 1,360 |
| Net charge-offs to loans | -0.0104% | 3,603 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3307% | 2,066 |
| Assets per employee ($millions) | 5.5424% | 3,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 60.8088% | 1,981 |
| Net loans and leases to deposits | 67.5438% | 2,195 |
| Net loans and leases to core deposits | 69.1379% | 2,366 |
| Total domestic deposits to total assets | 90.0286% | 1,547 |
| Equity capital to assets | 9.7964% | 2,050 |
| Core capital (leverage) ratio | 11.5510% | 1,250 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,778,000 | 3,743 |
| Average earning assets | $117,049,000 | 3,757 |
| Average equity | $13,441,000 | 3,713 |
| Average total loans | $77,059,000 | 3,505 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1587% | 3,565 |
| Cost of funding earning assets | 0.2003% | 3,460 |
| Net interest margin | 2.9584% | 3,293 |
| Noninterest income to average assets | 0.8193% | 1,404 |
| Noninterest expense to average assets | 2.2451% | 2,959 |
| Loan and lease loss provision to assets | 0.0202% | 2,666 |
| Net operating income to assets | 1.2871% | 1,639 |
| Return on assets (ROA) | 1.3395% | 1,511 |
| Pretax return on assets | 1.3459% | 2,218 |
| Return on Equity (ROE) | 11.4416% | 2,006 |
| Retained earnings to average equity (ytd only) | 5.2076% | 2,710 |
| Net charge-offs to loans | -0.0080% | 3,674 |
| Credit loss provision to net charge-offs | -416.6667% | 3,712 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0863% | 2,701 |
| Assets per employee ($millions) | 5.4818% | 3,277 |
| Cash dividends to net income (ytd only)* | 54.4852% | 1,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6333% | 1,188 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 58.8019% | 2,297 |
| Net loans and leases to deposits | 66.4974% | 2,465 |
| Net loans and leases to core deposits | 68.1096% | 2,642 |
| Total domestic deposits to total assets | 88.4273% | 1,829 |
| Equity capital to assets | 11.4165% | 1,549 |
| Core capital (leverage) ratio | 11.2744% | 1,408 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,004,200 | 3,759 |
| Average earning assets | $114,825,600 | 3,749 |
| Average equity | $14,517,200 | 3,688 |
| Average total loans | $74,710,000 | 3,571 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2009% | 3,605 |
| Cost of funding earning assets | 0.2043% | 3,565 |
| Net interest margin | 2.9966% | 3,317 |
| Noninterest income to average assets | 0.8703% | 1,324 |
| Noninterest expense to average assets | 2.2113% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.4242% | 1,463 |
| Return on assets (ROA) | 1.4242% | 1,529 |
| Pretax return on assets | 1.4306% | 2,212 |
| Return on Equity (ROE) | 12.0884% | 2,014 |
| Retained earnings to average equity (ytd only) | 7.4785% | 2,235 |
| Net charge-offs to loans | -0.0089% | 3,629 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7175% | 2,876 |
| Assets per employee ($millions) | 5.7906% | 2,902 |
| Cash dividends to net income (ytd only)* | 38.1350% | 1,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6115% | 1,311 |
| Loan loss allowance to noncurrent loans | 1,721.4286% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 3,762 |
| Noncurrent loans to loans | 0.0936% | 3,608 |
| Net loans and leases to total assets | 57.7504% | 2,527 |
| Net loans and leases to deposits | 67.8615% | 2,450 |
| Net loans and leases to core deposits | 68.5795% | 2,728 |
| Total domestic deposits to total assets | 85.1004% | 3,080 |
| Equity capital to assets | 11.5179% | 1,660 |
| Core capital (leverage) ratio | 11.4254% | 1,407 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,485,000 | 3,803 |
| Average earning assets | $114,215,500 | 3,801 |
| Average equity | $14,548,000 | 3,733 |
| Average total loans | $74,545,250 | 3,616 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2684% | 3,511 |
| Cost of funding earning assets | 0.2120% | 3,634 |
| Net interest margin | 3.0564% | 3,162 |
| Noninterest income to average assets | 0.9510% | 1,157 |
| Noninterest expense to average assets | 2.1787% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5976% | 1,055 |
| Return on assets (ROA) | 1.5976% | 1,111 |
| Pretax return on assets | 1.6042% | 1,723 |
| Return on Equity (ROE) | 13.4562% | 1,579 |
| Retained earnings to average equity (ytd only) | 10.5195% | 1,249 |
| Net charge-offs to loans | -0.0081% | 3,597 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5941% | 3,329 |
| Assets per employee ($millions) | 5.7109% | 2,884 |
| Cash dividends to net income (ytd only)* | 21.8238% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 1,412 |
| Loan loss allowance to noncurrent loans | 1,718.5714% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 3,860 |
| Noncurrent loans to loans | 0.0904% | 3,724 |
| Net loans and leases to total assets | 60.7012% | 2,338 |
| Net loans and leases to deposits | 71.5525% | 2,250 |
| Net loans and leases to core deposits | 73.3790% | 2,473 |
| Total domestic deposits to total assets | 84.8344% | 3,168 |
| Equity capital to assets | 11.7479% | 1,490 |
| Core capital (leverage) ratio | 11.4886% | 1,317 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,182,333 | 3,831 |
| Average earning assets | $113,206,000 | 3,821 |
| Average equity | $14,506,333 | 3,740 |
| Average total loans | $74,468,667 | 3,642 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4218% | 3,134 |
| Cost of funding earning assets | 0.2231% | 3,701 |
| Net interest margin | 3.1988% | 2,700 |
| Noninterest income to average assets | 1.1523% | 922 |
| Noninterest expense to average assets | 2.1784% | 3,174 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.9194% | 641 |
| Return on assets (ROA) | 1.9194% | 690 |
| Pretax return on assets | 1.9261% | 1,069 |
| Return on Equity (ROE) | 16.0784% | 997 |
| Retained earnings to average equity (ytd only) | 16.0784% | 510 |
| Net charge-offs to loans | -0.0055% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0744% | 3,898 |
| Assets per employee ($millions) | 5.5775% | 3,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6320% | 1,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 58.9964% | 2,670 |
| Net loans and leases to deposits | 68.2986% | 2,666 |
| Net loans and leases to core deposits | 70.0459% | 2,861 |
| Total domestic deposits to total assets | 86.3802% | 2,586 |
| Equity capital to assets | 11.8122% | 1,384 |
| Core capital (leverage) ratio | 12.0495% | 1,151 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,453,500 | 3,852 |
| Average earning assets | $111,168,000 | 3,856 |
| Average equity | $14,379,500 | 3,758 |
| Average total loans | $72,969,000 | 3,685 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6872% | 3,607 |
| Cost of funding earning assets | 0.3116% | 4,075 |
| Net interest margin | 3.3756% | 2,850 |
| Noninterest income to average assets | 1.5659% | 501 |
| Noninterest expense to average assets | 2.7132% | 2,204 |
| Loan and lease loss provision to assets | 0.2228% | 1,759 |
| Net operating income to assets | 1.7479% | 440 |
| Return on assets (ROA) | 1.8760% | 359 |
| Pretax return on assets | 1.8853% | 570 |
| Return on Equity (ROE) | 14.1898% | 768 |
| Retained earnings to average equity (ytd only) | 4.6902% | 2,428 |
| Net charge-offs to loans | -0.0129% | 4,319 |
| Credit loss provision to net charge-offs | -2,666.6667% | 4,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8125% | 3,750 |
| Assets per employee ($millions) | 4.9251% | 3,475 |
| Cash dividends to net income (ytd only)* | 66.9471% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 1,141 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 60.1897% | 2,838 |
| Net loans and leases to deposits | 70.1637% | 2,866 |
| Net loans and leases to core deposits | 72.1555% | 3,061 |
| Total domestic deposits to total assets | 85.7846% | 2,459 |
| Equity capital to assets | 12.0682% | 1,532 |
| Core capital (leverage) ratio | 11.5619% | 1,436 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,731,000 | 3,903 |
| Average earning assets | $99,805,000 | 3,897 |
| Average equity | $14,242,600 | 3,724 |
| Average total loans | $69,698,200 | 3,746 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 3,459 |
| Cost of funding earning assets | 0.3279% | 4,172 |
| Net interest margin | 3.5050% | 2,574 |
| Noninterest income to average assets | 1.4600% | 545 |
| Noninterest expense to average assets | 2.6257% | 2,461 |
| Loan and lease loss provision to assets | 0.1018% | 3,046 |
| Net operating income to assets | 1.9636% | 320 |
| Return on assets (ROA) | 2.1361% | 245 |
| Pretax return on assets | 2.1462% | 383 |
| Return on Equity (ROE) | 15.7707% | 578 |
| Retained earnings to average equity (ytd only) | 11.9030% | 441 |
| Net charge-offs to loans | -0.0155% | 4,345 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8554% | 3,935 |
| Assets per employee ($millions) | 6.4507% | 1,874 |
| Cash dividends to net income (ytd only)* | 24.5249% | 2,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4035% | 1,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 62.8603% | 2,903 |
| Net loans and leases to deposits | 74.3102% | 2,927 |
| Net loans and leases to core deposits | 76.2423% | 3,152 |
| Total domestic deposits to total assets | 84.5917% | 2,597 |
| Equity capital to assets | 12.8091% | 1,271 |
| Core capital (leverage) ratio | 12.8021% | 1,006 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $105,113,000 | 3,930 |
| Average earning assets | $97,191,750 | 3,922 |
| Average equity | $14,237,000 | 3,730 |
| Average total loans | $69,036,250 | 3,766 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0442% | 3,210 |
| Cost of funding earning assets | 0.3466% | 4,284 |
| Net interest margin | 3.6975% | 2,171 |
| Noninterest income to average assets | 1.2854% | 616 |
| Noninterest expense to average assets | 2.6359% | 2,557 |
| Loan and lease loss provision to assets | 0.1281% | 2,744 |
| Net operating income to assets | 1.9190% | 392 |
| Return on assets (ROA) | 2.1844% | 249 |
| Pretax return on assets | 2.1962% | 366 |
| Return on Equity (ROE) | 15.8004% | 604 |
| Retained earnings to average equity (ytd only) | 14.9447% | 223 |
| Net charge-offs to loans | -0.0059% | 4,060 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1765% | 3,921 |
| Assets per employee ($millions) | 5.5049% | 2,635 |
| Cash dividends to net income (ytd only)* | 5.4152% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4717% | 1,349 |
| Loan loss allowance to noncurrent loans | 1,755.1724% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0527% | 4,271 |
| Noncurrent loans to loans | 0.0839% | 4,124 |
| Net loans and leases to total assets | 61.9021% | 3,139 |
| Net loans and leases to deposits | 74.7456% | 3,003 |
| Net loans and leases to core deposits | 76.8345% | 3,215 |
| Total domestic deposits to total assets | 82.8171% | 3,137 |
| Equity capital to assets | 13.3299% | 1,033 |
| Core capital (leverage) ratio | 13.3191% | 921 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,446,333 | 3,974 |
| Average earning assets | $93,468,000 | 3,977 |
| Average equity | $14,025,000 | 3,759 |
| Average total loans | $67,372,333 | 3,802 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9910% | 3,808 |
| Cost of funding earning assets | 0.3547% | 4,501 |
| Net interest margin | 3.6364% | 2,549 |
| Noninterest income to average assets | 0.7825% | 1,360 |
| Noninterest expense to average assets | 2.7677% | 2,522 |
| Loan and lease loss provision to assets | 0.0618% | 2,999 |
| Net operating income to assets | 1.2823% | 1,288 |
| Return on assets (ROA) | 1.8328% | 427 |
| Pretax return on assets | 1.8451% | 639 |
| Return on Equity (ROE) | 12.9932% | 883 |
| Retained earnings to average equity (ytd only) | 12.9932% | 322 |
| Net charge-offs to loans | -0.0060% | 3,912 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,634 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2000% | 2,789 |
| Assets per employee ($millions) | 4.3219% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4380% | 1,558 |
| Loan loss allowance to noncurrent loans | 1,401.4493% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 4,257 |
| Noncurrent loans to loans | 0.1026% | 4,097 |
| Net loans and leases to total assets | 66.6791% | 2,736 |
| Net loans and leases to deposits | 77.7855% | 2,908 |
| Net loans and leases to core deposits | 80.1066% | 3,188 |
| Total domestic deposits to total assets | 85.7218% | 2,120 |
| Equity capital to assets | 14.1133% | 1,024 |
| Core capital (leverage) ratio | 14.2114% | 856 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,120,500 | 4,030 |
| Average earning assets | $89,099,500 | 4,034 |
| Average equity | $13,699,500 | 3,811 |
| Average total loans | $66,473,000 | 3,829 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1397% | 3,954 |
| Cost of funding earning assets | 0.3156% | 4,695 |
| Net interest margin | 3.8241% | 2,425 |
| Noninterest income to average assets | 0.6625% | 1,952 |
| Noninterest expense to average assets | 2.8753% | 2,369 |
| Loan and lease loss provision to assets | 0.1321% | 1,618 |
| Net operating income to assets | 1.1463% | 2,270 |
| Return on assets (ROA) | 1.1091% | 2,497 |
| Pretax return on assets | 1.1177% | 3,114 |
| Return on Equity (ROE) | 7.6715% | 3,300 |
| Retained earnings to average equity (ytd only) | 0.1188% | 4,654 |
| Net charge-offs to loans | -0.0063% | 4,375 |
| Credit loss provision to net charge-offs | -3,075.0000% | 4,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0740% | 2,305 |
| Assets per employee ($millions) | 3.9516% | 3,967 |
| Cash dividends to net income (ytd only)* | 98.4511% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4475% | 1,371 |
| Loan loss allowance to noncurrent loans | 377.3810% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2657% | 3,368 |
| Noncurrent loans to loans | 0.3836% | 3,062 |
| Net loans and leases to total assets | 68.2712% | 2,643 |
| Net loans and leases to deposits | 79.6073% | 2,820 |
| Net loans and leases to core deposits | 80.5622% | 3,247 |
| Total domestic deposits to total assets | 85.7599% | 2,156 |
| Equity capital to assets | 14.0977% | 1,062 |
| Core capital (leverage) ratio | 13.9395% | 942 |
| Tier 1 risk-based capital ratio | 21.9621% | 1,031 |
| Total risk-based capital ratio | 23.2137% | 1,006 |
| Memoranda: | ||
| Average total assets | $93,138,200 | 4,096 |
| Average earning assets | $85,247,800 | 4,108 |
| Average equity | $13,465,400 | 3,823 |
| Average total loans | $63,012,600 | 3,930 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 4,080 |
| Cost of funding earning assets | 0.2969% | 4,803 |
| Net interest margin | 3.8356% | 2,486 |
| Noninterest income to average assets | 0.6457% | 2,005 |
| Noninterest expense to average assets | 2.8417% | 2,432 |
| Loan and lease loss provision to assets | 0.0834% | 2,240 |
| Net operating income to assets | 1.2233% | 2,116 |
| Return on assets (ROA) | 1.1735% | 2,372 |
| Pretax return on assets | 1.1821% | 3,037 |
| Return on Equity (ROE) | 8.0655% | 3,275 |
| Retained earnings to average equity (ytd only) | 4.7049% | 3,054 |
| Net charge-offs to loans | -0.0064% | 4,267 |
| Credit loss provision to net charge-offs | -1,933.3333% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3501% | 2,362 |
| Assets per employee ($millions) | 4.0513% | 3,837 |
| Cash dividends to net income (ytd only)* | 41.6666% | 2,080 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3513% | 1,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 69.3354% | 2,576 |
| Net loans and leases to deposits | 82.1531% | 2,667 |
| Net loans and leases to core deposits | 83.1683% | 3,163 |
| Total domestic deposits to total assets | 84.3978% | 2,676 |
| Equity capital to assets | 14.8488% | 887 |
| Core capital (leverage) ratio | 14.8624% | 769 |
| Tier 1 risk-based capital ratio | 22.1832% | 1,042 |
| Total risk-based capital ratio | 23.4358% | 1,014 |
| Memoranda: | ||
| Average total assets | $92,713,250 | 4,151 |
| Average earning assets | $84,886,500 | 4,165 |
| Average equity | $13,489,250 | 3,859 |
| Average total loans | $62,341,250 | 3,983 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1084% | 4,140 |
| Cost of funding earning assets | 0.2852% | 4,860 |
| Net interest margin | 3.8232% | 2,504 |
| Noninterest income to average assets | 0.5467% | 2,407 |
| Noninterest expense to average assets | 2.8307% | 2,484 |
| Loan and lease loss provision to assets | 0.0929% | 1,992 |
| Net operating income to assets | 1.1185% | 2,446 |
| Return on assets (ROA) | 1.0437% | 2,825 |
| Pretax return on assets | 1.0523% | 3,376 |
| Return on Equity (ROE) | 7.2231% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.7745% | 1,918 |
| Net charge-offs to loans | -0.0033% | 4,042 |
| Credit loss provision to net charge-offs | -4,300.0000% | 4,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8667% | 2,241 |
| Assets per employee ($millions) | 4.0298% | 3,826 |
| Cash dividends to net income (ytd only)* | 6.2112% | 3,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 1,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 68.4796% | 2,757 |
| Net loans and leases to deposits | 82.6747% | 2,653 |
| Net loans and leases to core deposits | 83.7172% | 3,131 |
| Total domestic deposits to total assets | 82.8302% | 3,261 |
| Equity capital to assets | 14.8598% | 856 |
| Core capital (leverage) ratio | 14.5538% | 811 |
| Tier 1 risk-based capital ratio | 21.8717% | 1,067 |
| Total risk-based capital ratio | 23.1232% | 1,045 |
| Memoranda: | ||
| Average total assets | $92,558,000 | 4,183 |
| Average earning assets | $84,850,330 | 4,197 |
| Average equity | $13,373,670 | 3,875 |
| Average total loans | $61,291,330 | 4,018 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0482% | 4,264 |
| Cost of funding earning assets | 0.2595% | 4,955 |
| Net interest margin | 3.7887% | 2,570 |
| Noninterest income to average assets | 0.5276% | 2,396 |
| Noninterest expense to average assets | 2.9105% | 2,246 |
| Loan and lease loss provision to assets | 0.1211% | 1,448 |
| Net operating income to assets | 0.9585% | 3,011 |
| Return on assets (ROA) | 0.8087% | 3,623 |
| Pretax return on assets | 0.8174% | 4,003 |
| Return on Equity (ROE) | 5.6779% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.6779% | 2,605 |
| Net charge-offs to loans | -0.0067% | 4,097 |
| Credit loss provision to net charge-offs | -2,800.0000% | 4,121 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7568% | 1,917 |
| Assets per employee ($millions) | 4.0522% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3654% | 1,806 |
| Loan loss allowance to noncurrent loans | 6,092.8571% | 126 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,790 |
| Noncurrent loans to loans | 0.0224% | 4,679 |
| Net loans and leases to total assets | 66.1148% | 3,036 |
| Net loans and leases to deposits | 77.3486% | 3,127 |
| Net loans and leases to core deposits | 77.9879% | 3,522 |
| Total domestic deposits to total assets | 85.4764% | 2,494 |
| Equity capital to assets | 14.3466% | 927 |
| Core capital (leverage) ratio | 14.5218% | 806 |
| Tier 1 risk-based capital ratio | 21.8092% | 1,073 |
| Total risk-based capital ratio | 23.0608% | 1,051 |
| Memoranda: | ||
| Average total assets | $92,494,000 | 4,225 |
| Average earning assets | $84,778,000 | 4,245 |
| Average equity | $13,174,000 | 3,923 |
| Average total loans | $59,767,500 | 4,094 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,561 |
| Cost of funding earning assets | 0.2791% | 4,662 |
| Net interest margin | 3.4857% | 3,750 |
| Noninterest income to average assets | 0.5693% | 2,453 |
| Noninterest expense to average assets | 2.8031% | 2,683 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9631% | 3,166 |
| Return on assets (ROA) | 0.9519% | 3,217 |
| Pretax return on assets | 0.9541% | 3,748 |
| Return on Equity (ROE) | 6.5085% | 4,003 |
| Retained earnings to average equity (ytd only) | 0.0841% | 4,964 |
| Net charge-offs to loans | 0.0143% | 3,201 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 107.8750% | 704 |
| Efficiency ratio | 74.3841% | 1,577 |
| Assets per employee ($millions) | 3.9908% | 3,903 |
| Cash dividends to net income (ytd only)* | 98.7074% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4440% | 1,472 |
| Loan loss allowance to noncurrent loans | 653.9683% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.1373% | 4,134 |
| Noncurrent loans to loans | 0.2208% | 3,788 |
| Net loans and leases to total assets | 61.2705% | 3,635 |
| Net loans and leases to deposits | 71.4318% | 3,716 |
| Net loans and leases to core deposits | 71.6621% | 4,016 |
| Total domestic deposits to total assets | 85.7748% | 2,336 |
| Equity capital to assets | 14.1380% | 930 |
| Core capital (leverage) ratio | 14.3531% | 831 |
| Tier 1 risk-based capital ratio | 22.3688% | 982 |
| Total risk-based capital ratio | 23.6213% | 953 |
| Memoranda: | ||
| Average total assets | $89,401,400 | 4,278 |
| Average earning assets | $82,049,800 | 4,284 |
| Average equity | $13,075,200 | 3,872 |
| Average total loans | $55,832,200 | 4,191 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7289% | 4,595 |
| Cost of funding earning assets | 0.2875% | 4,601 |
| Net interest margin | 3.4415% | 3,887 |
| Noninterest income to average assets | 0.5600% | 2,520 |
| Noninterest expense to average assets | 2.7550% | 2,795 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9654% | 3,238 |
| Return on assets (ROA) | 0.9654% | 3,252 |
| Pretax return on assets | 0.9684% | 3,826 |
| Return on Equity (ROE) | 6.5445% | 4,092 |
| Retained earnings to average equity (ytd only) | 4.1628% | 3,695 |
| Net charge-offs to loans | 0.0168% | 2,837 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 92.1736% | 798 |
| Efficiency ratio | 73.9919% | 1,594 |
| Assets per employee ($millions) | 3.9154% | 4,025 |
| Cash dividends to net income (ytd only)* | 36.3917% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4719% | 1,448 |
| Loan loss allowance to noncurrent loans | 13,750.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,989 |
| Noncurrent loans to loans | 0.0107% | 4,873 |
| Net loans and leases to total assets | 61.3247% | 3,717 |
| Net loans and leases to deposits | 72.0815% | 3,763 |
| Net loans and leases to core deposits | 72.3204% | 4,061 |
| Total domestic deposits to total assets | 85.0769% | 2,578 |
| Equity capital to assets | 14.7077% | 779 |
| Core capital (leverage) ratio | 15.0150% | 700 |
| Tier 1 risk-based capital ratio | 23.2903% | 914 |
| Total risk-based capital ratio | 24.5422% | 888 |
| Memoranda: | ||
| Average total assets | $88,804,750 | 4,331 |
| Average earning assets | $81,630,000 | 4,336 |
| Average equity | $13,099,750 | 3,902 |
| Average total loans | $55,524,500 | 4,242 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 4,614 |
| Cost of funding earning assets | 0.2983% | 4,429 |
| Net interest margin | 3.3893% | 3,988 |
| Noninterest income to average assets | 0.5770% | 2,442 |
| Noninterest expense to average assets | 2.8398% | 2,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8463% | 3,693 |
| Return on assets (ROA) | 0.8463% | 3,693 |
| Pretax return on assets | 0.8485% | 4,118 |
| Return on Equity (ROE) | 5.7312% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.7312% | 2,708 |
| Net charge-offs to loans | -0.0072% | 4,206 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9939% | 1,317 |
| Assets per employee ($millions) | 3.8742% | 4,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5502% | 1,238 |
| Loan loss allowance to noncurrent loans | 809.7087% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.1156% | 4,419 |
| Noncurrent loans to loans | 0.1915% | 4,046 |
| Net loans and leases to total assets | 59.4387% | 3,857 |
| Net loans and leases to deposits | 69.9444% | 3,865 |
| Net loans and leases to core deposits | 70.1789% | 4,131 |
| Total domestic deposits to total assets | 84.9799% | 2,684 |
| Equity capital to assets | 14.8339% | 721 |
| Core capital (leverage) ratio | 14.9997% | 667 |
| Tier 1 risk-based capital ratio | 24.8442% | 745 |
| Total risk-based capital ratio | 26.0982% | 728 |
| Memoranda: | ||
| Average total assets | $88,388,000 | 4,376 |
| Average earning assets | $81,137,330 | 4,381 |
| Average equity | $13,051,330 | 3,926 |
| Average total loans | $55,349,000 | 4,275 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 4,767 |
| Cost of funding earning assets | 0.2617% | 4,640 |
| Net interest margin | 3.3079% | 4,170 |
| Noninterest income to average assets | 0.5816% | 2,353 |
| Noninterest expense to average assets | 2.8582% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7634% | 3,860 |
| Return on assets (ROA) | 0.7634% | 3,859 |
| Pretax return on assets | 0.7679% | 4,227 |
| Return on Equity (ROE) | 5.1820% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.1820% | 3,082 |
| Net charge-offs to loans | -0.0071% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8221% | 1,278 |
| Assets per employee ($millions) | 4.0277% | 3,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4687% | 1,584 |
| Loan loss allowance to noncurrent loans | 925.5556% | 634 |
| Noncurrent assets plus other real estate owned to assets | 0.1016% | 4,577 |
| Noncurrent loans to loans | 0.1587% | 4,266 |
| Net loans and leases to total assets | 63.0674% | 3,424 |
| Net loans and leases to deposits | 74.0578% | 3,410 |
| Net loans and leases to core deposits | 74.3069% | 3,796 |
| Total domestic deposits to total assets | 85.1597% | 2,878 |
| Equity capital to assets | 14.6992% | 735 |
| Core capital (leverage) ratio | 15.2088% | 615 |
| Tier 1 risk-based capital ratio | 24.7990% | 763 |
| Total risk-based capital ratio | 26.0535% | 750 |
| Memoranda: | ||
| Average total assets | $88,028,500 | 4,430 |
| Average earning assets | $81,017,000 | 4,433 |
| Average equity | $12,968,000 | 3,975 |
| Average total loans | $56,124,500 | 4,305 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5117% | 4,768 |
| Cost of funding earning assets | 0.2003% | 4,947 |
| Net interest margin | 3.3114% | 4,122 |
| Noninterest income to average assets | 0.5903% | 2,497 |
| Noninterest expense to average assets | 2.7742% | 2,868 |
| Loan and lease loss provision to assets | 0.0012% | 4,214 |
| Net operating income to assets | 0.8501% | 2,953 |
| Return on assets (ROA) | 0.8501% | 2,977 |
| Pretax return on assets | 0.8629% | 4,038 |
| Return on Equity (ROE) | 5.6264% | 3,902 |
| Retained earnings to average equity (ytd only) | 0.0768% | 4,973 |
| Net charge-offs to loans | -0.0487% | 5,176 |
| Credit loss provision to net charge-offs | -3.8462% | 4,574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2512% | 1,581 |
| Assets per employee ($millions) | 3.8020% | 4,280 |
| Cash dividends to net income (ytd only)* | 98.6357% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 1,419 |
| Loan loss allowance to noncurrent loans | 523.2704% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1818% | 4,219 |
| Noncurrent loans to loans | 0.2863% | 3,753 |
| Net loans and leases to total assets | 62.5522% | 3,548 |
| Net loans and leases to deposits | 73.4810% | 3,559 |
| Net loans and leases to core deposits | 73.7306% | 3,896 |
| Total domestic deposits to total assets | 85.1270% | 2,789 |
| Equity capital to assets | 14.7644% | 725 |
| Core capital (leverage) ratio | 14.9348% | 632 |
| Tier 1 risk-based capital ratio | 23.7661% | 835 |
| Total risk-based capital ratio | 25.0200% | 821 |
| Memoranda: | ||
| Average total assets | $86,224,000 | 4,482 |
| Average earning assets | $79,363,200 | 4,474 |
| Average equity | $13,027,800 | 3,979 |
| Average total loans | $53,337,600 | 4,381 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4951% | 4,823 |
| Cost of funding earning assets | 0.1955% | 5,014 |
| Net interest margin | 3.2996% | 4,173 |
| Noninterest income to average assets | 0.5897% | 2,536 |
| Noninterest expense to average assets | 2.7343% | 2,945 |
| Loan and lease loss provision to assets | 0.0015% | 4,071 |
| Net operating income to assets | 0.8799% | 3,132 |
| Return on assets (ROA) | 0.8799% | 3,177 |
| Pretax return on assets | 0.8923% | 4,064 |
| Return on Equity (ROE) | 5.7898% | 4,213 |
| Retained earnings to average equity (ytd only) | 1.5828% | 4,795 |
| Net charge-offs to loans | -0.0657% | 5,253 |
| Credit loss provision to net charge-offs | -3.8462% | 4,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3636% | 1,683 |
| Assets per employee ($millions) | 3.7432% | 4,391 |
| Cash dividends to net income (ytd only)* | 72.6633% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5113% | 1,494 |
| Loan loss allowance to noncurrent loans | 41,550.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,260 |
| Noncurrent loans to loans | 0.0036% | 5,139 |
| Net loans and leases to total assets | 62.9006% | 3,559 |
| Net loans and leases to deposits | 74.3931% | 3,529 |
| Net loans and leases to core deposits | 74.6516% | 3,922 |
| Total domestic deposits to total assets | 84.5516% | 2,898 |
| Equity capital to assets | 15.2475% | 683 |
| Core capital (leverage) ratio | 15.4190% | 593 |
| Tier 1 risk-based capital ratio | 25.9956% | 676 |
| Total risk-based capital ratio | 27.2499% | 664 |
| Memoranda: | ||
| Average total assets | $85,918,250 | 4,529 |
| Average earning assets | $79,117,500 | 4,520 |
| Average equity | $13,057,000 | 4,019 |
| Average total loans | $52,789,000 | 4,428 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4626% | 4,849 |
| Cost of funding earning assets | 0.1973% | 5,012 |
| Net interest margin | 3.2653% | 4,221 |
| Noninterest income to average assets | 0.6080% | 2,421 |
| Noninterest expense to average assets | 2.7556% | 2,903 |
| Loan and lease loss provision to assets | 0.0023% | 3,850 |
| Net operating income to assets | 0.8432% | 3,190 |
| Return on assets (ROA) | 0.8432% | 3,231 |
| Pretax return on assets | 0.8572% | 4,082 |
| Return on Equity (ROE) | 5.5548% | 4,242 |
| Retained earnings to average equity (ytd only) | 2.9923% | 3,935 |
| Net charge-offs to loans | -0.0960% | 5,397 |
| Credit loss provision to net charge-offs | -4.0000% | 4,204 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2242% | 1,685 |
| Assets per employee ($millions) | 3.7600% | 4,340 |
| Cash dividends to net income (ytd only)* | 46.1326% | 2,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5672% | 1,342 |
| Loan loss allowance to noncurrent loans | 2,967.8571% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 5,134 |
| Noncurrent loans to loans | 0.0528% | 4,925 |
| Net loans and leases to total assets | 60.3522% | 3,812 |
| Net loans and leases to deposits | 71.3210% | 3,799 |
| Net loans and leases to core deposits | 71.5675% | 4,120 |
| Total domestic deposits to total assets | 84.6205% | 2,973 |
| Equity capital to assets | 15.2164% | 671 |
| Core capital (leverage) ratio | 15.2769% | 584 |
| Tier 1 risk-based capital ratio | 25.7772% | 690 |
| Total risk-based capital ratio | 27.0307% | 674 |
| Memoranda: | ||
| Average total assets | $85,860,000 | 4,561 |
| Average earning assets | $79,073,000 | 4,547 |
| Average equity | $13,033,670 | 4,033 |
| Average total loans | $52,057,330 | 4,466 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3784% | 4,979 |
| Cost of funding earning assets | 0.1471% | 5,395 |
| Net interest margin | 3.2313% | 4,242 |
| Noninterest income to average assets | 0.5517% | 2,653 |
| Noninterest expense to average assets | 2.6651% | 3,265 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8510% | 2,988 |
| Return on assets (ROA) | 0.8510% | 3,030 |
| Pretax return on assets | 0.8650% | 3,882 |
| Return on Equity (ROE) | 5.6125% | 4,083 |
| Retained earnings to average equity (ytd only) | 4.7799% | 3,023 |
| Net charge-offs to loans | -0.0310% | 4,947 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4967% | 1,984 |
| Assets per employee ($millions) | 3.7272% | 4,453 |
| Cash dividends to net income (ytd only)* | 14.8352% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5603% | 1,479 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 59.5397% | 3,832 |
| Net loans and leases to deposits | 70.3567% | 3,760 |
| Net loans and leases to core deposits | 70.6010% | 4,101 |
| Total domestic deposits to total assets | 84.6254% | 3,252 |
| Equity capital to assets | 15.2323% | 609 |
| Core capital (leverage) ratio | 15.6129% | 511 |
| Tier 1 risk-based capital ratio | 27.1162% | 618 |
| Total risk-based capital ratio | 28.3714% | 606 |
| Memoranda: | ||
| Average total assets | $85,550,500 | 4,615 |
| Average earning assets | $78,854,000 | 4,594 |
| Average equity | $12,971,000 | 4,064 |
| Average total loans | $51,574,500 | 4,514 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2544% | 5,230 |
| Cost of funding earning assets | 0.1522% | 5,410 |
| Net interest margin | 3.1022% | 4,721 |
| Noninterest income to average assets | 0.6048% | 2,635 |
| Noninterest expense to average assets | 2.6922% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7600% | 3,488 |
| Return on assets (ROA) | 0.7600% | 3,599 |
| Pretax return on assets | 0.7682% | 4,277 |
| Return on Equity (ROE) | 4.9525% | 4,458 |
| Retained earnings to average equity (ytd only) | 0.0989% | 5,273 |
| Net charge-offs to loans | -0.0085% | 4,904 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8003% | 1,721 |
| Assets per employee ($millions) | 3.7120% | 4,451 |
| Cash dividends to net income (ytd only)* | 98.0031% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 1,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 59.1438% | 3,944 |
| Net loans and leases to deposits | 69.7364% | 3,933 |
| Net loans and leases to core deposits | 70.2574% | 4,218 |
| Total domestic deposits to total assets | 84.8105% | 3,128 |
| Equity capital to assets | 15.0911% | 629 |
| Core capital (leverage) ratio | 15.2503% | 571 |
| Tier 1 risk-based capital ratio | 28.1759% | 557 |
| Total risk-based capital ratio | 29.4310% | 550 |
| Memoranda: | ||
| Average total assets | $85,654,200 | 4,622 |
| Average earning assets | $78,847,000 | 4,611 |
| Average equity | $13,144,800 | 4,072 |
| Average total loans | $47,004,800 | 4,668 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2370% | 5,305 |
| Cost of funding earning assets | 0.1521% | 5,470 |
| Net interest margin | 3.0849% | 4,812 |
| Noninterest income to average assets | 0.5988% | 2,667 |
| Noninterest expense to average assets | 2.6581% | 3,470 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7730% | 3,495 |
| Return on assets (ROA) | 0.7730% | 3,637 |
| Pretax return on assets | 0.7808% | 4,367 |
| Return on Equity (ROE) | 5.0163% | 4,512 |
| Retained earnings to average equity (ytd only) | 1.6452% | 4,849 |
| Net charge-offs to loans | -0.0348% | 5,216 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2953% | 1,796 |
| Assets per employee ($millions) | 3.6915% | 4,492 |
| Cash dividends to net income (ytd only)* | 67.2029% | 1,123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 1,413 |
| Loan loss allowance to noncurrent loans | 316.3424% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.3027% | 4,206 |
| Noncurrent loans to loans | 0.5118% | 3,460 |
| Net loans and leases to total assets | 58.1834% | 4,080 |
| Net loans and leases to deposits | 69.1131% | 4,051 |
| Net loans and leases to core deposits | 70.1495% | 4,314 |
| Total domestic deposits to total assets | 84.1857% | 3,151 |
| Equity capital to assets | 15.6330% | 611 |
| Core capital (leverage) ratio | 15.5939% | 543 |
| Tier 1 risk-based capital ratio | 29.0154% | 522 |
| Total risk-based capital ratio | 30.2713% | 518 |
| Memoranda: | ||
| Average total assets | $85,724,000 | 4,655 |
| Average earning assets | $78,919,250 | 4,643 |
| Average equity | $13,210,000 | 4,097 |
| Average total loans | $45,931,250 | 4,733 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1693% | 5,477 |
| Cost of funding earning assets | 0.1563% | 5,505 |
| Net interest margin | 3.0130% | 5,050 |
| Noninterest income to average assets | 0.5535% | 2,884 |
| Noninterest expense to average assets | 2.6652% | 3,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6582% | 4,005 |
| Return on assets (ROA) | 0.6582% | 4,149 |
| Pretax return on assets | 0.6675% | 4,722 |
| Return on Equity (ROE) | 4.2915% | 4,807 |
| Retained earnings to average equity (ytd only) | 2.5476% | 4,268 |
| Net charge-offs to loans | -0.0404% | 5,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9721% | 1,496 |
| Assets per employee ($millions) | 3.6729% | 4,488 |
| Cash dividends to net income (ytd only)* | 40.6360% | 2,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7241% | 1,224 |
| Loan loss allowance to noncurrent loans | 358.4071% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 4,427 |
| Noncurrent loans to loans | 0.4810% | 3,644 |
| Net loans and leases to total assets | 54.6551% | 4,444 |
| Net loans and leases to deposits | 64.9994% | 4,419 |
| Net loans and leases to core deposits | 65.7435% | 4,624 |
| Total domestic deposits to total assets | 84.0856% | 3,229 |
| Equity capital to assets | 15.7546% | 582 |
| Core capital (leverage) ratio | 15.2302% | 567 |
| Tier 1 risk-based capital ratio | 30.3892% | 479 |
| Total risk-based capital ratio | 31.6467% | 475 |
| Memoranda: | ||
| Average total assets | $85,997,330 | 4,693 |
| Average earning assets | $79,323,000 | 4,671 |
| Average equity | $13,189,000 | 4,126 |
| Average total loans | $44,504,000 | 4,812 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1137% | 5,592 |
| Cost of funding earning assets | 0.1449% | 5,643 |
| Net interest margin | 2.9687% | 5,184 |
| Noninterest income to average assets | 0.5394% | 2,871 |
| Noninterest expense to average assets | 2.5589% | 3,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7100% | 3,662 |
| Return on assets (ROA) | 0.7100% | 3,783 |
| Pretax return on assets | 0.7192% | 4,454 |
| Return on Equity (ROE) | 4.6919% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.9302% | 3,526 |
| Net charge-offs to loans | -0.0462% | 5,288 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0591% | 1,886 |
| Assets per employee ($millions) | 3.8994% | 4,119 |
| Cash dividends to net income (ytd only)* | 16.2338% | 2,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8298% | 1,091 |
| Loan loss allowance to noncurrent loans | 365.9091% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.2564% | 4,536 |
| Noncurrent loans to loans | 0.5001% | 3,675 |
| Net loans and leases to total assets | 50.3456% | 4,775 |
| Net loans and leases to deposits | 59.6374% | 4,741 |
| Net loans and leases to core deposits | 60.3061% | 4,921 |
| Total domestic deposits to total assets | 84.4196% | 3,346 |
| Equity capital to assets | 15.4616% | 609 |
| Core capital (leverage) ratio | 15.2960% | 562 |
| Tier 1 risk-based capital ratio | 32.0097% | 432 |
| Total risk-based capital ratio | 33.2679% | 426 |
| Memoranda: | ||
| Average total assets | $86,757,500 | 4,714 |
| Average earning assets | $80,034,000 | 4,707 |
| Average equity | $13,129,000 | 4,148 |
| Average total loans | $43,265,500 | 4,887 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1617% | 5,560 |
| Cost of funding earning assets | 0.1610% | 5,605 |
| Net interest margin | 3.0007% | 5,136 |
| Noninterest income to average assets | 0.6277% | 2,575 |
| Noninterest expense to average assets | 2.6970% | 3,589 |
| Loan and lease loss provision to assets | -0.0295% | 5,687 |
| Net operating income to assets | 0.7173% | 3,725 |
| Return on assets (ROA) | 0.7173% | 3,836 |
| Pretax return on assets | 0.7303% | 4,432 |
| Return on Equity (ROE) | 4.6526% | 4,682 |
| Retained earnings to average equity (ytd only) | 0.1301% | 5,454 |
| Net charge-offs to loans | -0.0602% | 5,614 |
| Credit loss provision to net charge-offs | 96.1538% | 2,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3750% | 1,763 |
| Assets per employee ($millions) | 3.8143% | 4,263 |
| Cash dividends to net income (ytd only)* | 97.2039% | 444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8831% | 986 |
| Loan loss allowance to noncurrent loans | 80,100.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 5,738 |
| Noncurrent loans to loans | 0.0024% | 5,558 |
| Net loans and leases to total assets | 47.5732% | 5,054 |
| Net loans and leases to deposits | 55.9046% | 5,047 |
| Net loans and leases to core deposits | 56.5109% | 5,174 |
| Total domestic deposits to total assets | 85.0971% | 3,046 |
| Equity capital to assets | 14.8117% | 706 |
| Core capital (leverage) ratio | 15.1044% | 597 |
| Tier 1 risk-based capital ratio | 31.7339% | 438 |
| Total risk-based capital ratio | 32.9935% | 433 |
| Memoranda: | ||
| Average total assets | $84,760,600 | 4,774 |
| Average earning assets | $78,249,200 | 4,757 |
| Average equity | $13,068,000 | 4,132 |
| Average total loans | $43,163,800 | 4,887 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1645% | 5,630 |
| Cost of funding earning assets | 0.1634% | 5,677 |
| Net interest margin | 3.0011% | 5,187 |
| Noninterest income to average assets | 0.5999% | 2,737 |
| Noninterest expense to average assets | 2.6914% | 3,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6633% | 4,061 |
| Return on assets (ROA) | 0.6633% | 4,173 |
| Pretax return on assets | 0.6776% | 4,757 |
| Return on Equity (ROE) | 4.2587% | 4,931 |
| Retained earnings to average equity (ytd only) | -0.3872% | 5,674 |
| Net charge-offs to loans | -0.0431% | 5,496 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8870% | 1,677 |
| Assets per employee ($millions) | 3.2543% | 5,206 |
| Cash dividends to net income (ytd only)* | 109.0899% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 1,213 |
| Loan loss allowance to noncurrent loans | 309.1255% | 1,577 |
| Noncurrent assets plus other real estate owned to assets | 0.3108% | 4,521 |
| Noncurrent loans to loans | 0.5908% | 3,557 |
| Net loans and leases to total assets | 51.6511% | 4,786 |
| Net loans and leases to deposits | 61.5336% | 4,755 |
| Net loans and leases to core deposits | 62.2346% | 4,923 |
| Total domestic deposits to total assets | 83.9396% | 3,457 |
| Equity capital to assets | 15.4730% | 649 |
| Core capital (leverage) ratio | 15.4531% | 562 |
| Tier 1 risk-based capital ratio | 30.2748% | 506 |
| Total risk-based capital ratio | 31.5328% | 497 |
| Memoranda: | ||
| Average total assets | $84,018,750 | 4,849 |
| Average earning assets | $77,525,500 | 4,831 |
| Average equity | $13,086,500 | 4,166 |
| Average total loans | $43,320,750 | 4,934 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1548% | 5,676 |
| Cost of funding earning assets | 0.1685% | 5,709 |
| Net interest margin | 2.9863% | 5,254 |
| Noninterest income to average assets | 0.6061% | 2,697 |
| Noninterest expense to average assets | 2.7320% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6061% | 4,318 |
| Return on assets (ROA) | 0.6061% | 4,426 |
| Pretax return on assets | 0.6228% | 4,919 |
| Return on Equity (ROE) | 3.8824% | 5,060 |
| Retained earnings to average equity (ytd only) | 1.4979% | 4,950 |
| Net charge-offs to loans | -0.0326% | 5,363 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4367% | 1,566 |
| Assets per employee ($millions) | 3.7994% | 4,257 |
| Cash dividends to net income (ytd only)* | 61.4173% | 1,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8783% | 1,213 |
| Loan loss allowance to noncurrent loans | 40,350.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 5,912 |
| Noncurrent loans to loans | 0.0047% | 5,757 |
| Net loans and leases to total assets | 50.4367% | 4,897 |
| Net loans and leases to deposits | 59.9534% | 4,858 |
| Net loans and leases to core deposits | 60.6415% | 5,033 |
| Total domestic deposits to total assets | 84.1265% | 3,507 |
| Equity capital to assets | 15.7299% | 564 |
| Core capital (leverage) ratio | 15.6173% | 526 |
| Tier 1 risk-based capital ratio | 34.1643% | 387 |
| Total risk-based capital ratio | 35.4238% | 384 |
| Memoranda: | ||
| Average total assets | $83,821,000 | 4,901 |
| Average earning assets | $77,152,000 | 4,886 |
| Average equity | $13,084,670 | 4,191 |
| Average total loans | $42,922,330 | 4,992 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1482% | 5,725 |
| Cost of funding earning assets | 0.1709% | 5,762 |
| Net interest margin | 2.9773% | 5,276 |
| Noninterest income to average assets | 0.6052% | 2,618 |
| Noninterest expense to average assets | 2.6448% | 3,766 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6815% | 3,886 |
| Return on assets (ROA) | 0.6815% | 4,014 |
| Pretax return on assets | 0.7005% | 4,589 |
| Return on Equity (ROE) | 4.3821% | 4,810 |
| Retained earnings to average equity (ytd only) | 2.6967% | 4,328 |
| Net charge-offs to loans | -0.0186% | 5,008 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0598% | 2,026 |
| Assets per employee ($millions) | 3.6331% | 4,654 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8389% | 1,413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 51.2344% | 4,727 |
| Net loans and leases to deposits | 60.9111% | 4,671 |
| Net loans and leases to core deposits | 61.6089% | 4,866 |
| Total domestic deposits to total assets | 84.1134% | 3,777 |
| Equity capital to assets | 15.7585% | 579 |
| Core capital (leverage) ratio | 15.9740% | 472 |
| Tier 1 risk-based capital ratio | 34.6568% | 377 |
| Total risk-based capital ratio | 35.9169% | 368 |
| Memoranda: | ||
| Average total assets | $83,938,500 | 4,942 |
| Average earning assets | $77,251,000 | 4,938 |
| Average equity | $13,053,000 | 4,220 |
| Average total loans | $42,901,000 | 5,028 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1550% | 5,894 |
| Cost of funding earning assets | 0.1835% | 5,887 |
| Net interest margin | 2.9715% | 5,502 |
| Noninterest income to average assets | 0.5789% | 2,993 |
| Noninterest expense to average assets | 2.8335% | 3,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4767% | 4,897 |
| Return on assets (ROA) | 0.5300% | 4,770 |
| Pretax return on assets | 0.5349% | 5,159 |
| Return on Equity (ROE) | 3.3750% | 5,340 |
| Retained earnings to average equity (ytd only) | 0.1013% | 5,722 |
| Net charge-offs to loans | 0.0760% | 3,402 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 13.1000% | 2,306 |
| Efficiency ratio | 85.4874% | 1,234 |
| Assets per employee ($millions) | 3.6659% | 4,594 |
| Cash dividends to net income (ytd only)* | 96.9977% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 1,322 |
| Loan loss allowance to noncurrent loans | 26,666.6667% | 37 |
| Noncurrent assets plus other real estate owned to assets | 0.0036% | 6,080 |
| Noncurrent loans to loans | 0.0071% | 5,897 |
| Net loans and leases to total assets | 49.0868% | 5,057 |
| Net loans and leases to deposits | 58.0509% | 5,061 |
| Net loans and leases to core deposits | 58.7056% | 5,219 |
| Total domestic deposits to total assets | 84.5581% | 3,478 |
| Equity capital to assets | 15.3447% | 643 |
| Core capital (leverage) ratio | 15.6595% | 511 |
| Tier 1 risk-based capital ratio | 30.4574% | 492 |
| Total risk-based capital ratio | 31.7146% | 487 |
| Memoranda: | ||
| Average total assets | $81,701,400 | 5,022 |
| Average earning assets | $75,214,000 | 5,014 |
| Average equity | $12,829,800 | 4,220 |
| Average total loans | $39,449,400 | 5,206 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1477% | 5,958 |
| Cost of funding earning assets | 0.1874% | 5,945 |
| Net interest margin | 2.9603% | 5,587 |
| Noninterest income to average assets | 0.5659% | 3,093 |
| Noninterest expense to average assets | 2.8805% | 3,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4080% | 5,214 |
| Return on assets (ROA) | 0.4080% | 5,292 |
| Pretax return on assets | 0.4146% | 5,550 |
| Return on Equity (ROE) | 2.5827% | 5,686 |
| Retained earnings to average equity (ytd only) | -1.4267% | 6,023 |
| Net charge-offs to loans | 0.0894% | 2,935 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.6911% | 2,637 |
| Efficiency ratio | 87.4189% | 1,056 |
| Assets per employee ($millions) | 3.5016% | 4,858 |
| Cash dividends to net income (ytd only)* | 155.2410% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9996% | 1,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 48.9278% | 5,116 |
| Net loans and leases to deposits | 58.2759% | 5,084 |
| Net loans and leases to core deposits | 58.9683% | 5,267 |
| Total domestic deposits to total assets | 83.9589% | 3,786 |
| Equity capital to assets | 15.8846% | 582 |
| Core capital (leverage) ratio | 15.9077% | 493 |
| Tier 1 risk-based capital ratio | 31.3735% | 462 |
| Total risk-based capital ratio | 32.6325% | 452 |
| Memoranda: | ||
| Average total assets | $81,047,750 | 5,092 |
| Average earning assets | $74,719,000 | 5,080 |
| Average equity | $12,802,750 | 4,257 |
| Average total loans | $38,764,750 | 5,278 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0859% | 6,074 |
| Cost of funding earning assets | 0.1922% | 5,983 |
| Net interest margin | 2.8937% | 5,745 |
| Noninterest income to average assets | 0.5565% | 3,073 |
| Noninterest expense to average assets | 2.8467% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3694% | 5,331 |
| Return on assets (ROA) | 0.3694% | 5,403 |
| Pretax return on assets | 0.3792% | 5,614 |
| Return on Equity (ROE) | 2.3427% | 5,751 |
| Retained earnings to average equity (ytd only) | -1.8429% | 5,973 |
| Net charge-offs to loans | -0.0209% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2443% | 1,061 |
| Assets per employee ($millions) | 3.4051% | 5,047 |
| Cash dividends to net income (ytd only)* | 178.6667% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1104% | 1,160 |
| Loan loss allowance to noncurrent loans | 583.2168% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 5,618 |
| Noncurrent loans to loans | 0.3619% | 4,908 |
| Net loans and leases to total assets | 47.3367% | 5,231 |
| Net loans and leases to deposits | 56.2740% | 5,172 |
| Net loans and leases to core deposits | 56.5074% | 5,377 |
| Total domestic deposits to total assets | 84.1183% | 3,884 |
| Equity capital to assets | 15.7446% | 590 |
| Core capital (leverage) ratio | 15.8299% | 499 |
| Tier 1 risk-based capital ratio | 31.7546% | 454 |
| Total risk-based capital ratio | 33.0148% | 445 |
| Memoranda: | ||
| Average total assets | $81,218,000 | 5,135 |
| Average earning assets | $74,922,000 | 5,112 |
| Average equity | $12,806,000 | 4,263 |
| Average total loans | $38,283,330 | 5,329 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0437% | 6,197 |
| Cost of funding earning assets | 0.1922% | 6,064 |
| Net interest margin | 2.8514% | 5,847 |
| Noninterest income to average assets | 0.5780% | 2,867 |
| Noninterest expense to average assets | 2.9049% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2964% | 5,503 |
| Return on assets (ROA) | 0.2964% | 5,545 |
| Pretax return on assets | 0.3112% | 5,690 |
| Return on Equity (ROE) | 1.8786% | 5,817 |
| Retained earnings to average equity (ytd only) | 1.8786% | 4,841 |
| Net charge-offs to loans | -0.0106% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3226% | 1,006 |
| Assets per employee ($millions) | 3.2382% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2604% | 1,087 |
| Loan loss allowance to noncurrent loans | 565.3061% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 5,681 |
| Noncurrent loans to loans | 0.3998% | 4,934 |
| Net loans and leases to total assets | 44.3858% | 5,473 |
| Net loans and leases to deposits | 52.8473% | 5,395 |
| Net loans and leases to core deposits | 53.2806% | 5,547 |
| Total domestic deposits to total assets | 83.9888% | 4,281 |
| Equity capital to assets | 15.8975% | 542 |
| Core capital (leverage) ratio | 16.2569% | 450 |
| Tier 1 risk-based capital ratio | 33.9851% | 381 |
| Total risk-based capital ratio | 35.2455% | 373 |
| Memoranda: | ||
| Average total assets | $80,965,500 | 5,187 |
| Average earning assets | $74,910,000 | 5,150 |
| Average equity | $12,775,500 | 4,278 |
| Average total loans | $37,665,500 | 5,401 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3202% | 5,973 |
| Cost of funding earning assets | 0.2517% | 5,953 |
| Net interest margin | 3.0684% | 5,408 |
| Noninterest income to average assets | 0.6006% | 3,097 |
| Noninterest expense to average assets | 2.8026% | 3,712 |
| Loan and lease loss provision to assets | 0.0061% | 5,004 |
| Net operating income to assets | 0.6139% | 4,198 |
| Return on assets (ROA) | 0.6139% | 4,315 |
| Pretax return on assets | 0.6163% | 4,820 |
| Return on Equity (ROE) | 3.8867% | 5,166 |
| Retained earnings to average equity (ytd only) | 0.1920% | 5,764 |
| Net charge-offs to loans | -0.1614% | 6,585 |
| Credit loss provision to net charge-offs | -7.9365% | 5,678 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8278% | 1,898 |
| Assets per employee ($millions) | 3.3740% | 5,148 |
| Cash dividends to net income (ytd only)* | 95.0593% | 531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1521% | 1,251 |
| Loan loss allowance to noncurrent loans | 453.5519% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 5,601 |
| Noncurrent loans to loans | 0.4745% | 4,807 |
| Net loans and leases to total assets | 46.6033% | 5,437 |
| Net loans and leases to deposits | 55.3158% | 5,366 |
| Net loans and leases to core deposits | 55.7670% | 5,552 |
| Total domestic deposits to total assets | 84.2495% | 4,077 |
| Equity capital to assets | 15.6604% | 580 |
| Core capital (leverage) ratio | 15.9074% | 479 |
| Tier 1 risk-based capital ratio | 31.5783% | 443 |
| Total risk-based capital ratio | 32.8371% | 438 |
| Memoranda: | ||
| Average total assets | $82,423,800 | 5,183 |
| Average earning assets | $75,869,200 | 5,159 |
| Average equity | $13,018,600 | 4,267 |
| Average total loans | $39,030,200 | 5,389 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3828% | 5,919 |
| Cost of funding earning assets | 0.2645% | 5,994 |
| Net interest margin | 3.1183% | 5,271 |
| Noninterest income to average assets | 0.5331% | 3,573 |
| Noninterest expense to average assets | 2.7637% | 3,779 |
| Loan and lease loss provision to assets | 0.0081% | 4,819 |
| Net operating income to assets | 0.6249% | 4,242 |
| Return on assets (ROA) | 0.6249% | 4,367 |
| Pretax return on assets | 0.6281% | 4,918 |
| Return on Equity (ROE) | 3.9481% | 5,242 |
| Retained earnings to average equity (ytd only) | 0.1832% | 5,879 |
| Net charge-offs to loans | -0.1226% | 6,545 |
| Credit loss provision to net charge-offs | -13.8889% | 5,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2885% | 1,934 |
| Assets per employee ($millions) | 3.3802% | 5,105 |
| Cash dividends to net income (ytd only)* | 95.3607% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0711% | 1,568 |
| Loan loss allowance to noncurrent loans | 524.8366% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 5,763 |
| Noncurrent loans to loans | 0.3946% | 5,210 |
| Net loans and leases to total assets | 46.8018% | 5,464 |
| Net loans and leases to deposits | 55.6912% | 5,399 |
| Net loans and leases to core deposits | 56.8392% | 5,549 |
| Total domestic deposits to total assets | 84.0382% | 4,173 |
| Equity capital to assets | 15.7769% | 586 |
| Core capital (leverage) ratio | 15.9621% | 496 |
| Tier 1 risk-based capital ratio | 30.8891% | 480 |
| Total risk-based capital ratio | 32.1472% | 472 |
| Memoranda: | ||
| Average total assets | $82,786,000 | 5,223 |
| Average earning assets | $76,109,000 | 5,193 |
| Average equity | $13,103,000 | 4,291 |
| Average total loans | $39,146,000 | 5,437 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3335% | 6,032 |
| Cost of funding earning assets | 0.2795% | 5,985 |
| Net interest margin | 3.0540% | 5,418 |
| Noninterest income to average assets | 0.6192% | 3,079 |
| Noninterest expense to average assets | 2.7526% | 3,849 |
| Loan and lease loss provision to assets | 0.0120% | 4,637 |
| Net operating income to assets | 0.6552% | 4,039 |
| Return on assets (ROA) | 0.6552% | 4,202 |
| Pretax return on assets | 0.6599% | 4,815 |
| Return on Equity (ROE) | 4.1350% | 5,159 |
| Retained earnings to average equity (ytd only) | 0.8482% | 5,561 |
| Net charge-offs to loans | -0.1732% | 6,625 |
| Credit loss provision to net charge-offs | -14.7059% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3784% | 2,105 |
| Assets per employee ($millions) | 3.2940% | 5,279 |
| Cash dividends to net income (ytd only)* | 79.4872% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 1,729 |
| Loan loss allowance to noncurrent loans | 4,711.7647% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.1287% | 6,099 |
| Noncurrent loans to loans | 0.0436% | 6,263 |
| Net loans and leases to total assets | 46.3407% | 5,496 |
| Net loans and leases to deposits | 54.9592% | 5,437 |
| Net loans and leases to core deposits | 56.0686% | 5,590 |
| Total domestic deposits to total assets | 84.3183% | 4,193 |
| Equity capital to assets | 15.5287% | 615 |
| Core capital (leverage) ratio | 15.8226% | 485 |
| Tier 1 risk-based capital ratio | 30.8802% | 482 |
| Total risk-based capital ratio | 32.1391% | 474 |
| Memoranda: | ||
| Average total assets | $83,339,670 | 5,238 |
| Average earning assets | $76,555,670 | 5,213 |
| Average equity | $13,204,330 | 4,296 |
| Average total loans | $39,271,000 | 5,455 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3412% | 6,063 |
| Cost of funding earning assets | 0.2962% | 5,996 |
| Net interest margin | 3.0450% | 5,450 |
| Noninterest income to average assets | 0.6155% | 3,048 |
| Noninterest expense to average assets | 2.7483% | 3,880 |
| Loan and lease loss provision to assets | 0.0239% | 4,168 |
| Net operating income to assets | 0.6298% | 4,083 |
| Return on assets (ROA) | 0.6298% | 4,234 |
| Pretax return on assets | 0.6394% | 4,806 |
| Return on Equity (ROE) | 3.9366% | 5,127 |
| Retained earnings to average equity (ytd only) | 1.5508% | 5,210 |
| Net charge-offs to loans | -0.0710% | 6,282 |
| Credit loss provision to net charge-offs | -71.4286% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5594% | 2,242 |
| Assets per employee ($millions) | 3.3199% | 5,393 |
| Cash dividends to net income (ytd only)* | 60.6061% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9756% | 2,108 |
| Loan loss allowance to noncurrent loans | 119.2308% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8940% | 4,151 |
| Noncurrent loans to loans | 1.6570% | 3,057 |
| Net loans and leases to total assets | 46.3300% | 5,405 |
| Net loans and leases to deposits | 55.3496% | 5,316 |
| Net loans and leases to core deposits | 56.4638% | 5,479 |
| Total domestic deposits to total assets | 83.7044% | 4,589 |
| Equity capital to assets | 16.1582% | 535 |
| Core capital (leverage) ratio | 15.5875% | 508 |
| Tier 1 risk-based capital ratio | 30.3091% | 515 |
| Total risk-based capital ratio | 31.5658% | 509 |
| Memoranda: | ||
| Average total assets | $83,834,000 | 5,271 |
| Average earning assets | $76,977,500 | 5,236 |
| Average equity | $13,412,500 | 4,304 |
| Average total loans | $39,425,000 | 5,490 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6283% | 6,171 |
| Cost of funding earning assets | 0.3904% | 5,978 |
| Net interest margin | 3.2379% | 5,463 |
| Noninterest income to average assets | 0.9363% | 1,757 |
| Noninterest expense to average assets | 2.9748% | 3,363 |
| Loan and lease loss provision to assets | 0.0337% | 5,467 |
| Net operating income to assets | 0.8750% | 2,931 |
| Return on assets (ROA) | 0.8750% | 3,178 |
| Pretax return on assets | 0.8882% | 3,962 |
| Return on Equity (ROE) | 5.4573% | 4,446 |
| Retained earnings to average equity (ytd only) | 0.3073% | 5,704 |
| Net charge-offs to loans | 0.1566% | 4,136 |
| Credit loss provision to net charge-offs | 44.4444% | 4,830 |
| Earnings coverage of net charge-offs (x) | 12.1746% | 1,957 |
| Efficiency ratio | 76.3418% | 2,689 |
| Assets per employee ($millions) | 3.3868% | 5,240 |
| Cash dividends to net income (ytd only)* | 94.3681% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9232% | 2,220 |
| Loan loss allowance to noncurrent loans | 109.9567% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.9437% | 4,143 |
| Noncurrent loans to loans | 1.7490% | 2,987 |
| Net loans and leases to total assets | 45.8958% | 5,626 |
| Net loans and leases to deposits | 54.6093% | 5,596 |
| Net loans and leases to core deposits | 56.1463% | 5,706 |
| Total domestic deposits to total assets | 84.0439% | 4,294 |
| Equity capital to assets | 15.8427% | 582 |
| Core capital (leverage) ratio | 15.3612% | 524 |
| Tier 1 risk-based capital ratio | 29.6381% | 529 |
| Total risk-based capital ratio | 30.8946% | 523 |
| Memoranda: | ||
| Average total assets | $83,199,600 | 5,267 |
| Average earning assets | $76,067,800 | 5,243 |
| Average equity | $13,340,000 | 4,286 |
| Average total loans | $40,221,800 | 5,492 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6941% | 6,232 |
| Cost of funding earning assets | 0.4071% | 6,079 |
| Net interest margin | 3.2870% | 5,433 |
| Noninterest income to average assets | 0.8000% | 2,238 |
| Noninterest expense to average assets | 2.9312% | 3,474 |
| Loan and lease loss provision to assets | 0.0451% | 5,209 |
| Net operating income to assets | 0.8113% | 3,396 |
| Return on assets (ROA) | 0.8113% | 3,633 |
| Pretax return on assets | 0.8257% | 4,394 |
| Return on Equity (ROE) | 5.0443% | 4,802 |
| Retained earnings to average equity (ytd only) | -0.2302% | 6,126 |
| Net charge-offs to loans | 0.2114% | 3,463 |
| Credit loss provision to net charge-offs | 43.7500% | 4,533 |
| Earnings coverage of net charge-offs (x) | 8.4533% | 2,440 |
| Efficiency ratio | 77.0957% | 2,511 |
| Assets per employee ($millions) | 3.3077% | 5,426 |
| Cash dividends to net income (ytd only)* | 104.5641% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 2,432 |
| Loan loss allowance to noncurrent loans | 119.2790% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 0.9179% | 4,445 |
| Noncurrent loans to loans | 1.6032% | 3,385 |
| Net loans and leases to total assets | 47.2035% | 5,639 |
| Net loans and leases to deposits | 56.4932% | 5,587 |
| Net loans and leases to core deposits | 58.1287% | 5,725 |
| Total domestic deposits to total assets | 83.5560% | 4,412 |
| Equity capital to assets | 16.2166% | 568 |
| Core capital (leverage) ratio | 15.6073% | 522 |
| Tier 1 risk-based capital ratio | 29.4505% | 556 |
| Total risk-based capital ratio | 30.7054% | 549 |
| Memoranda: | ||
| Average total assets | $82,832,000 | 5,330 |
| Average earning assets | $75,649,750 | 5,301 |
| Average equity | $13,321,500 | 4,336 |
| Average total loans | $40,371,750 | 5,557 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 6,321 |
| Cost of funding earning assets | 0.4262% | 6,124 |
| Net interest margin | 3.2804% | 5,499 |
| Noninterest income to average assets | 0.7553% | 2,395 |
| Noninterest expense to average assets | 2.9706% | 3,372 |
| Loan and lease loss provision to assets | 0.0555% | 4,970 |
| Net operating income to assets | 0.7240% | 3,734 |
| Return on assets (ROA) | 0.7240% | 4,013 |
| Pretax return on assets | 0.7384% | 4,712 |
| Return on Equity (ROE) | 4.5140% | 5,032 |
| Retained earnings to average equity (ytd only) | -0.5116% | 6,128 |
| Net charge-offs to loans | 0.4339% | 2,304 |
| Credit loss provision to net charge-offs | 26.1364% | 4,505 |
| Earnings coverage of net charge-offs (x) | 3.7386% | 3,286 |
| Efficiency ratio | 78.9103% | 2,338 |
| Assets per employee ($millions) | 3.3348% | 5,370 |
| Cash dividends to net income (ytd only)* | 111.3333% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8381% | 2,737 |
| Loan loss allowance to noncurrent loans | 108.2840% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 3,927 |
| Noncurrent loans to loans | 1.6975% | 3,351 |
| Net loans and leases to total assets | 46.8903% | 5,735 |
| Net loans and leases to deposits | 55.9801% | 5,644 |
| Net loans and leases to core deposits | 57.5788% | 5,803 |
| Total domestic deposits to total assets | 83.7625% | 4,416 |
| Equity capital to assets | 16.0239% | 576 |
| Core capital (leverage) ratio | 15.3928% | 537 |
| Tier 1 risk-based capital ratio | 29.0916% | 564 |
| Total risk-based capital ratio | 30.3457% | 549 |
| Memoranda: | ||
| Average total assets | $82,878,330 | 5,353 |
| Average earning assets | $76,028,330 | 5,323 |
| Average equity | $13,292,000 | 4,340 |
| Average total loans | $40,564,000 | 5,576 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7662% | 6,313 |
| Cost of funding earning assets | 0.4384% | 6,214 |
| Net interest margin | 3.3278% | 5,378 |
| Noninterest income to average assets | 0.7890% | 2,216 |
| Noninterest expense to average assets | 3.0835% | 2,975 |
| Loan and lease loss provision to assets | 0.0387% | 4,903 |
| Net operating income to assets | 0.6971% | 3,897 |
| Return on assets (ROA) | 0.6971% | 4,117 |
| Pretax return on assets | 0.7164% | 4,738 |
| Return on Equity (ROE) | 4.3444% | 5,120 |
| Retained earnings to average equity (ytd only) | -2.2325% | 6,313 |
| Net charge-offs to loans | -0.0195% | 6,178 |
| Credit loss provision to net charge-offs | -400.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3279% | 2,157 |
| Assets per employee ($millions) | 3.3357% | 5,481 |
| Cash dividends to net income (ytd only)* | 151.3889% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9675% | 2,459 |
| Loan loss allowance to noncurrent loans | 84.1502% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 1.3071% | 3,943 |
| Noncurrent loans to loans | 2.3381% | 2,764 |
| Net loans and leases to total assets | 48.2163% | 5,528 |
| Net loans and leases to deposits | 57.3972% | 5,449 |
| Net loans and leases to core deposits | 59.0267% | 5,623 |
| Total domestic deposits to total assets | 84.0047% | 4,490 |
| Equity capital to assets | 15.8371% | 601 |
| Core capital (leverage) ratio | 15.6825% | 505 |
| Tier 1 risk-based capital ratio | 28.8100% | 580 |
| Total risk-based capital ratio | 30.0670% | 570 |
| Memoranda: | ||
| Average total assets | $82,633,000 | 5,395 |
| Average earning assets | $75,726,500 | 5,373 |
| Average equity | $13,258,500 | 4,357 |
| Average total loans | $40,934,000 | 5,604 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0320% | 6,401 |
| Cost of funding earning assets | 0.5565% | 6,304 |
| Net interest margin | 3.4755% | 5,238 |
| Noninterest income to average assets | 0.6803% | 2,725 |
| Noninterest expense to average assets | 2.9349% | 3,825 |
| Loan and lease loss provision to assets | 0.0522% | 5,935 |
| Net operating income to assets | 0.8564% | 2,786 |
| Return on assets (ROA) | 0.8564% | 2,941 |
| Pretax return on assets | 0.8795% | 3,674 |
| Return on Equity (ROE) | 5.3713% | 4,213 |
| Retained earnings to average equity (ytd only) | 0.1676% | 5,762 |
| Net charge-offs to loans | 0.0049% | 6,366 |
| Credit loss provision to net charge-offs | 2,150.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 383.5000% | 91 |
| Efficiency ratio | 75.9032% | 2,905 |
| Assets per employee ($millions) | 3.2749% | 5,566 |
| Cash dividends to net income (ytd only)* | 96.8794% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 2,417 |
| Loan loss allowance to noncurrent loans | 82.2497% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.3521% | 3,977 |
| Noncurrent loans to loans | 2.3720% | 2,760 |
| Net loans and leases to total assets | 48.9233% | 5,723 |
| Net loans and leases to deposits | 58.5266% | 5,650 |
| Net loans and leases to core deposits | 60.2249% | 5,831 |
| Total domestic deposits to total assets | 83.5917% | 4,499 |
| Equity capital to assets | 16.2569% | 547 |
| Core capital (leverage) ratio | 15.8423% | 478 |
| Tier 1 risk-based capital ratio | 29.0794% | 563 |
| Total risk-based capital ratio | 30.3363% | 553 |
| Memoranda: | ||
| Average total assets | $82,319,600 | 5,390 |
| Average earning assets | $75,471,800 | 5,360 |
| Average equity | $13,125,400 | 4,317 |
| Average total loans | $40,756,800 | 5,655 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 6,504 |
| Cost of funding earning assets | 0.5911% | 6,322 |
| Net interest margin | 3.4585% | 5,364 |
| Noninterest income to average assets | 0.6260% | 3,019 |
| Noninterest expense to average assets | 3.0231% | 3,471 |
| Loan and lease loss provision to assets | 0.0615% | 5,680 |
| Net operating income to assets | 0.6890% | 3,677 |
| Return on assets (ROA) | 0.6890% | 3,845 |
| Pretax return on assets | 0.7117% | 4,428 |
| Return on Equity (ROE) | 4.3427% | 4,841 |
| Retained earnings to average equity (ytd only) | -0.3058% | 6,036 |
| Net charge-offs to loans | -0.0033% | 6,683 |
| Credit loss provision to net charge-offs | -3,800.0000% | 6,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6336% | 2,306 |
| Assets per employee ($millions) | 3.2199% | 5,631 |
| Cash dividends to net income (ytd only)* | 107.0406% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9843% | 2,373 |
| Loan loss allowance to noncurrent loans | 78.7129% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4510% | 3,941 |
| Noncurrent loans to loans | 2.5210% | 2,750 |
| Net loans and leases to total assets | 48.7832% | 5,865 |
| Net loans and leases to deposits | 58.6315% | 5,787 |
| Net loans and leases to core deposits | 60.3674% | 5,958 |
| Total domestic deposits to total assets | 83.2031% | 4,606 |
| Equity capital to assets | 16.5025% | 542 |
| Core capital (leverage) ratio | 15.9051% | 515 |
| Tier 1 risk-based capital ratio | 29.4736% | 572 |
| Total risk-based capital ratio | 30.7298% | 557 |
| Memoranda: | ||
| Average total assets | $82,431,250 | 5,423 |
| Average earning assets | $75,561,500 | 5,401 |
| Average equity | $13,079,250 | 4,333 |
| Average total loans | $40,733,000 | 5,713 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9816% | 6,692 |
| Cost of funding earning assets | 0.6170% | 6,375 |
| Net interest margin | 3.3646% | 5,661 |
| Noninterest income to average assets | 0.6163% | 3,026 |
| Noninterest expense to average assets | 2.9611% | 3,787 |
| Loan and lease loss provision to assets | 0.0722% | 5,407 |
| Net operating income to assets | 0.6572% | 3,761 |
| Return on assets (ROA) | 0.6572% | 3,886 |
| Pretax return on assets | 0.6813% | 4,460 |
| Return on Equity (ROE) | 4.1964% | 4,836 |
| Retained earnings to average equity (ytd only) | 0.1845% | 5,764 |
| Net charge-offs to loans | -0.0293% | 6,914 |
| Credit loss provision to net charge-offs | -500.0000% | 6,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7148% | 2,434 |
| Assets per employee ($millions) | 3.3116% | 5,401 |
| Cash dividends to net income (ytd only)* | 95.6044% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9804% | 2,425 |
| Loan loss allowance to noncurrent loans | 79.2793% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 1.4059% | 4,111 |
| Noncurrent loans to loans | 2.4981% | 2,891 |
| Net loans and leases to total assets | 47.3469% | 6,117 |
| Net loans and leases to deposits | 56.4746% | 6,094 |
| Net loans and leases to core deposits | 58.2997% | 6,250 |
| Total domestic deposits to total assets | 83.8376% | 4,420 |
| Equity capital to assets | 15.9329% | 614 |
| Core capital (leverage) ratio | 15.6138% | 556 |
| Tier 1 risk-based capital ratio | 29.1707% | 585 |
| Total risk-based capital ratio | 30.4280% | 571 |
| Memoranda: | ||
| Average total assets | $83,076,000 | 5,455 |
| Average earning assets | $76,501,330 | 5,415 |
| Average equity | $13,011,000 | 4,343 |
| Average total loans | $40,956,000 | 5,759 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0088% | 6,686 |
| Cost of funding earning assets | 0.6447% | 6,402 |
| Net interest margin | 3.3641% | 5,566 |
| Noninterest income to average assets | 0.5960% | 3,197 |
| Noninterest expense to average assets | 3.0378% | 3,494 |
| Loan and lease loss provision to assets | 0.0721% | 5,102 |
| Net operating income to assets | 0.5720% | 4,168 |
| Return on assets (ROA) | 0.5720% | 4,244 |
| Pretax return on assets | 0.5960% | 4,697 |
| Return on Equity (ROE) | 3.6839% | 5,050 |
| Retained earnings to average equity (ytd only) | -1.3312% | 6,053 |
| Net charge-offs to loans | -0.0193% | 6,558 |
| Credit loss provision to net charge-offs | -750.0000% | 6,045 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9715% | 2,233 |
| Assets per employee ($millions) | 3.2972% | 5,484 |
| Cash dividends to net income (ytd only)* | 136.1345% | 381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9074% | 2,670 |
| Loan loss allowance to noncurrent loans | 94.9693% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 4,572 |
| Noncurrent loans to loans | 2.0084% | 3,565 |
| Net loans and leases to total assets | 48.2900% | 6,044 |
| Net loans and leases to deposits | 57.1582% | 6,008 |
| Net loans and leases to core deposits | 59.2707% | 6,164 |
| Total domestic deposits to total assets | 84.4848% | 4,277 |
| Equity capital to assets | 15.3247% | 698 |
| Core capital (leverage) ratio | 15.7828% | 540 |
| Tier 1 risk-based capital ratio | 28.8426% | 588 |
| Total risk-based capital ratio | 30.0978% | 573 |
| Memoranda: | ||
| Average total assets | $83,218,500 | 5,488 |
| Average earning assets | $76,930,500 | 5,450 |
| Average equity | $12,921,000 | 4,356 |
| Average total loans | $41,438,500 | 5,789 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5081% | 6,384 |
| Cost of funding earning assets | 0.8979% | 6,183 |
| Net interest margin | 3.6102% | 4,768 |
| Noninterest income to average assets | 0.8302% | 2,141 |
| Noninterest expense to average assets | 2.8912% | 4,265 |
| Loan and lease loss provision to assets | 0.3234% | 4,225 |
| Net operating income to assets | 0.8761% | 2,478 |
| Return on assets (ROA) | 0.8761% | 2,619 |
| Pretax return on assets | 0.9098% | 3,245 |
| Return on Equity (ROE) | 5.4734% | 3,853 |
| Retained earnings to average equity (ytd only) | 0.1282% | 5,519 |
| Net charge-offs to loans | 0.8278% | 2,563 |
| Credit loss provision to net charge-offs | 74.8603% | 5,738 |
| Earnings coverage of net charge-offs (x) | 2.8547% | 3,647 |
| Efficiency ratio | 70.0995% | 4,161 |
| Assets per employee ($millions) | 3.3603% | 5,274 |
| Cash dividends to net income (ytd only)* | 97.6584% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7873% | 2,904 |
| Loan loss allowance to noncurrent loans | 93.3333% | 3,066 |
| Noncurrent assets plus other real estate owned to assets | 1.1725% | 4,666 |
| Noncurrent loans to loans | 1.9150% | 3,667 |
| Net loans and leases to total assets | 49.4501% | 6,220 |
| Net loans and leases to deposits | 58.7789% | 6,182 |
| Net loans and leases to core deposits | 60.9227% | 6,323 |
| Total domestic deposits to total assets | 84.1289% | 4,306 |
| Equity capital to assets | 15.7247% | 636 |
| Core capital (leverage) ratio | 15.5135% | 581 |
| Tier 1 risk-based capital ratio | 27.9637% | 610 |
| Total risk-based capital ratio | 29.2177% | 593 |
| Memoranda: | ||
| Average total assets | $82,871,400 | 5,501 |
| Average earning assets | $75,618,800 | 5,491 |
| Average equity | $13,264,200 | 4,312 |
| Average total loans | $43,248,400 | 5,778 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6130% | 6,301 |
| Cost of funding earning assets | 0.9514% | 6,170 |
| Net interest margin | 3.6617% | 4,586 |
| Noninterest income to average assets | 0.7588% | 2,458 |
| Noninterest expense to average assets | 3.0835% | 3,408 |
| Loan and lease loss provision to assets | 0.0226% | 6,835 |
| Net operating income to assets | 0.9460% | 2,429 |
| Return on assets (ROA) | 0.9460% | 2,559 |
| Pretax return on assets | 0.9832% | 3,241 |
| Return on Equity (ROE) | 5.8844% | 3,869 |
| Retained earnings to average equity (ytd only) | 1.1749% | 5,346 |
| Net charge-offs to loans | 0.0061% | 6,579 |
| Credit loss provision to net charge-offs | 700.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 311.1049% | 100 |
| Efficiency ratio | 75.4047% | 3,057 |
| Assets per employee ($millions) | 3.3130% | 5,420 |
| Cash dividends to net income (ytd only)* | 80.0348% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0005% | 2,217 |
| Loan loss allowance to noncurrent loans | 73.2082% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 2.2578% | 3,130 |
| Noncurrent loans to loans | 2.7326% | 2,909 |
| Net loans and leases to total assets | 50.7480% | 6,243 |
| Net loans and leases to deposits | 60.8674% | 6,233 |
| Net loans and leases to core deposits | 63.1433% | 6,361 |
| Total domestic deposits to total assets | 83.3746% | 4,425 |
| Equity capital to assets | 16.2161% | 636 |
| Core capital (leverage) ratio | 15.6536% | 614 |
| Tier 1 risk-based capital ratio | 27.8752% | 639 |
| Total risk-based capital ratio | 29.1326% | 619 |
| Memoranda: | ||
| Average total assets | $82,587,250 | 5,575 |
| Average earning assets | $75,119,000 | 5,571 |
| Average equity | $13,277,750 | 4,373 |
| Average total loans | $43,486,000 | 5,850 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7037% | 6,133 |
| Cost of funding earning assets | 1.0022% | 6,129 |
| Net interest margin | 3.7015% | 4,360 |
| Noninterest income to average assets | 0.6739% | 2,859 |
| Noninterest expense to average assets | 3.0955% | 3,347 |
| Loan and lease loss provision to assets | 0.0218% | 6,715 |
| Net operating income to assets | 0.8702% | 2,662 |
| Return on assets (ROA) | 0.8702% | 2,790 |
| Pretax return on assets | 0.9139% | 3,440 |
| Return on Equity (ROE) | 5.4284% | 4,080 |
| Retained earnings to average equity (ytd only) | 1.8296% | 4,953 |
| Net charge-offs to loans | 0.0183% | 6,086 |
| Credit loss provision to net charge-offs | 225.0000% | 1,721 |
| Earnings coverage of net charge-offs (x) | 96.5000% | 340 |
| Efficiency ratio | 76.7889% | 2,936 |
| Assets per employee ($millions) | 3.3384% | 5,333 |
| Cash dividends to net income (ytd only)* | 66.2953% | 1,122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9069% | 2,394 |
| Loan loss allowance to noncurrent loans | 98.0415% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.5864% | 4,079 |
| Noncurrent loans to loans | 1.9450% | 3,802 |
| Net loans and leases to total assets | 52.4508% | 6,165 |
| Net loans and leases to deposits | 62.7020% | 6,170 |
| Net loans and leases to core deposits | 65.0065% | 6,312 |
| Total domestic deposits to total assets | 83.6510% | 4,263 |
| Equity capital to assets | 16.0326% | 665 |
| Core capital (leverage) ratio | 15.4700% | 639 |
| Tier 1 risk-based capital ratio | 27.2729% | 681 |
| Total risk-based capital ratio | 28.5300% | 667 |
| Memoranda: | ||
| Average total assets | $82,508,000 | 5,609 |
| Average earning assets | $74,835,330 | 5,616 |
| Average equity | $13,226,670 | 4,387 |
| Average total loans | $43,684,670 | 5,878 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7928% | 5,911 |
| Cost of funding earning assets | 1.0435% | 6,160 |
| Net interest margin | 3.7492% | 4,015 |
| Noninterest income to average assets | 0.6680% | 2,826 |
| Noninterest expense to average assets | 3.2817% | 2,590 |
| Loan and lease loss provision to assets | 0.0195% | 6,446 |
| Net operating income to assets | 0.6973% | 3,452 |
| Return on assets (ROA) | 0.6973% | 3,566 |
| Pretax return on assets | 0.7656% | 4,006 |
| Return on Equity (ROE) | 4.3500% | 4,735 |
| Retained earnings to average equity (ytd only) | 1.6122% | 5,135 |
| Net charge-offs to loans | -0.0833% | 7,486 |
| Credit loss provision to net charge-offs | -44.4444% | 6,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6954% | 2,456 |
| Assets per employee ($millions) | 3.3614% | 5,398 |
| Cash dividends to net income (ytd only)* | 62.9371% | 1,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9720% | 2,260 |
| Loan loss allowance to noncurrent loans | 97.6163% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 1.5910% | 4,113 |
| Noncurrent loans to loans | 2.0202% | 3,763 |
| Net loans and leases to total assets | 50.8711% | 6,386 |
| Net loans and leases to deposits | 60.5104% | 6,416 |
| Net loans and leases to core deposits | 64.5605% | 6,417 |
| Total domestic deposits to total assets | 84.0699% | 4,112 |
| Equity capital to assets | 15.6742% | 724 |
| Core capital (leverage) ratio | 16.0374% | 574 |
| Tier 1 risk-based capital ratio | 27.3439% | 683 |
| Total risk-based capital ratio | 28.6003% | 668 |
| Memoranda: | ||
| Average total assets | $82,031,500 | 5,703 |
| Average earning assets | $74,362,000 | 5,693 |
| Average equity | $13,149,500 | 4,442 |
| Average total loans | $43,213,500 | 5,974 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1408% | 5,917 |
| Cost of funding earning assets | 1.3811% | 6,012 |
| Net interest margin | 3.7598% | 3,874 |
| Noninterest income to average assets | 0.9128% | 1,898 |
| Noninterest expense to average assets | 3.2159% | 3,325 |
| Loan and lease loss provision to assets | 0.1018% | 6,614 |
| Net operating income to assets | 0.9968% | 1,854 |
| Return on assets (ROA) | 0.9968% | 1,901 |
| Pretax return on assets | 1.0159% | 2,536 |
| Return on Equity (ROE) | 6.1023% | 3,171 |
| Retained earnings to average equity (ytd only) | 1.4184% | 4,074 |
| Net charge-offs to loans | 0.5433% | 3,617 |
| Credit loss provision to net charge-offs | 32.7869% | 6,881 |
| Earnings coverage of net charge-offs (x) | 3.5984% | 3,277 |
| Efficiency ratio | 74.2068% | 3,858 |
| Assets per employee ($millions) | 3.4794% | 5,059 |
| Cash dividends to net income (ytd only)* | 76.7561% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9759% | 2,085 |
| Loan loss allowance to noncurrent loans | 68.3913% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.2967% | 3,007 |
| Noncurrent loans to loans | 2.8890% | 2,673 |
| Net loans and leases to total assets | 52.4460% | 6,372 |
| Net loans and leases to deposits | 62.8600% | 6,379 |
| Net loans and leases to core deposits | 72.5301% | 6,615 |
| Total domestic deposits to total assets | 83.4331% | 4,312 |
| Equity capital to assets | 16.4032% | 637 |
| Core capital (leverage) ratio | 16.2477% | 578 |
| Tier 1 risk-based capital ratio | 28.0682% | 637 |
| Total risk-based capital ratio | 29.3263% | 616 |
| Memoranda: | ||
| Average total assets | $78,548,400 | 5,769 |
| Average earning assets | $71,467,200 | 5,768 |
| Average equity | $12,831,200 | 4,553 |
| Average total loans | $44,908,200 | 5,876 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1833% | 5,950 |
| Cost of funding earning assets | 1.4373% | 6,094 |
| Net interest margin | 3.7460% | 3,884 |
| Noninterest income to average assets | 0.9721% | 1,701 |
| Noninterest expense to average assets | 3.4177% | 2,520 |
| Loan and lease loss provision to assets | 0.0239% | 7,117 |
| Net operating income to assets | 0.9175% | 2,351 |
| Return on assets (ROA) | 0.9175% | 2,425 |
| Pretax return on assets | 0.9397% | 3,098 |
| Return on Equity (ROE) | 5.6228% | 3,684 |
| Retained earnings to average equity (ytd only) | -0.6584% | 5,396 |
| Net charge-offs to loans | 0.4432% | 3,465 |
| Credit loss provision to net charge-offs | 9.2715% | 6,620 |
| Earnings coverage of net charge-offs (x) | 3.7417% | 3,397 |
| Efficiency ratio | 78.0070% | 3,164 |
| Assets per employee ($millions) | 3.1213% | 5,852 |
| Cash dividends to net income (ytd only)* | 111.7089% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9972% | 1,809 |
| Loan loss allowance to noncurrent loans | 82.5142% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 1.9722% | 3,387 |
| Noncurrent loans to loans | 2.4204% | 3,111 |
| Net loans and leases to total assets | 54.8973% | 6,284 |
| Net loans and leases to deposits | 65.9148% | 6,316 |
| Net loans and leases to core deposits | 76.0132% | 6,614 |
| Total domestic deposits to total assets | 83.2853% | 4,069 |
| Equity capital to assets | 16.2303% | 754 |
| Core capital (leverage) ratio | 15.9897% | 679 |
| Tier 1 risk-based capital ratio | 27.3865% | 720 |
| Total risk-based capital ratio | 28.6442% | 701 |
| Memoranda: | ||
| Average total assets | $78,178,750 | 5,821 |
| Average earning assets | $71,150,500 | 5,815 |
| Average equity | $12,757,250 | 4,594 |
| Average total loans | $45,431,000 | 5,906 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2506% | 5,865 |
| Cost of funding earning assets | 1.4641% | 6,280 |
| Net interest margin | 3.7865% | 3,604 |
| Noninterest income to average assets | 1.0866% | 1,355 |
| Noninterest expense to average assets | 3.3185% | 2,885 |
| Loan and lease loss provision to assets | 0.0230% | 7,005 |
| Net operating income to assets | 1.1684% | 1,567 |
| Return on assets (ROA) | 1.1684% | 1,642 |
| Pretax return on assets | 1.1965% | 2,310 |
| Return on Equity (ROE) | 7.1473% | 3,137 |
| Retained earnings to average equity (ytd only) | 0.9697% | 4,792 |
| Net charge-offs to loans | 0.1391% | 4,780 |
| Credit loss provision to net charge-offs | 28.1250% | 6,050 |
| Earnings coverage of net charge-offs (x) | 14.9063% | 1,626 |
| Efficiency ratio | 73.1268% | 4,172 |
| Assets per employee ($millions) | 3.0973% | 5,879 |
| Cash dividends to net income (ytd only)* | 86.4333% | 959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2146% | 1,218 |
| Loan loss allowance to noncurrent loans | 95.1784% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 1.9620% | 3,244 |
| Noncurrent loans to loans | 2.3268% | 3,107 |
| Net loans and leases to total assets | 54.1172% | 6,436 |
| Net loans and leases to deposits | 64.5352% | 6,514 |
| Net loans and leases to core deposits | 74.0476% | 6,790 |
| Total domestic deposits to total assets | 83.8567% | 3,839 |
| Equity capital to assets | 15.7968% | 867 |
| Core capital (leverage) ratio | 15.9647% | 745 |
| Tier 1 risk-based capital ratio | 27.0350% | 777 |
| Total risk-based capital ratio | 28.2961% | 761 |
| Memoranda: | ||
| Average total assets | $78,227,330 | 5,856 |
| Average earning assets | $71,306,000 | 5,843 |
| Average equity | $12,788,000 | 4,599 |
| Average total loans | $46,004,330 | 5,932 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1799% | 6,376 |
| Cost of funding earning assets | 1.4792% | 6,470 |
| Net interest margin | 3.7007% | 3,888 |
| Noninterest income to average assets | 1.0587% | 1,325 |
| Noninterest expense to average assets | 3.3473% | 2,507 |
| Loan and lease loss provision to assets | 0.0208% | 6,636 |
| Net operating income to assets | 1.0068% | 2,279 |
| Return on assets (ROA) | 1.0068% | 2,422 |
| Pretax return on assets | 1.0535% | 3,163 |
| Return on Equity (ROE) | 6.0523% | 4,015 |
| Retained earnings to average equity (ytd only) | -1.6847% | 6,036 |
| Net charge-offs to loans | 0.2483% | 3,164 |
| Credit loss provision to net charge-offs | 13.7931% | 5,154 |
| Earnings coverage of net charge-offs (x) | 7.1379% | 2,388 |
| Efficiency ratio | 75.7042% | 3,534 |
| Assets per employee ($millions) | 2.9834% | 6,200 |
| Cash dividends to net income (ytd only)* | 127.8351% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1482% | 1,146 |
| Loan loss allowance to noncurrent loans | 81.9468% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 2.3463% | 2,443 |
| Noncurrent loans to loans | 2.6214% | 2,513 |
| Net loans and leases to total assets | 57.8434% | 5,965 |
| Net loans and leases to deposits | 69.5132% | 6,022 |
| Net loans and leases to core deposits | 80.5356% | 6,342 |
| Total domestic deposits to total assets | 83.2121% | 4,041 |
| Equity capital to assets | 16.4939% | 795 |
| Core capital (leverage) ratio | 16.5781% | 704 |
| Tier 1 risk-based capital ratio | 26.6437% | 838 |
| Total risk-based capital ratio | 27.9042% | 825 |
| Memoranda: | ||
| Average total assets | $77,076,500 | 5,912 |
| Average earning assets | $70,040,000 | 5,913 |
| Average equity | $12,821,500 | 4,620 |
| Average total loans | $46,723,000 | 5,928 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6674% | 6,874 |
| Cost of funding earning assets | 1.8471% | 6,875 |
| Net interest margin | 3.8203% | 3,938 |
| Noninterest income to average assets | 0.7494% | 2,787 |
| Noninterest expense to average assets | 3.1820% | 3,403 |
| Loan and lease loss provision to assets | 0.0239% | 7,099 |
| Net operating income to assets | 0.9743% | 2,668 |
| Return on assets (ROA) | 0.9550% | 2,635 |
| Pretax return on assets | 0.9802% | 3,449 |
| Return on Equity (ROE) | 5.7002% | 4,068 |
| Retained earnings to average equity (ytd only) | 1.9792% | 4,000 |
| Net charge-offs to loans | 0.0875% | 5,492 |
| Credit loss provision to net charge-offs | 42.8571% | 6,427 |
| Earnings coverage of net charge-offs (x) | 18.3810% | 1,707 |
| Efficiency ratio | 75.6544% | 3,291 |
| Assets per employee ($millions) | 3.0634% | 5,883 |
| Cash dividends to net income (ytd only)* | 65.2778% | 2,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1222% | 1,039 |
| Loan loss allowance to noncurrent loans | 59.2723% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 2.6245% | 1,820 |
| Noncurrent loans to loans | 3.5804% | 1,409 |
| Net loans and leases to total assets | 60.8252% | 5,792 |
| Net loans and leases to deposits | 73.2529% | 5,924 |
| Net loans and leases to core deposits | 82.8510% | 6,388 |
| Total domestic deposits to total assets | 83.0345% | 3,761 |
| Equity capital to assets | 16.7774% | 800 |
| Core capital (leverage) ratio | 16.9247% | 708 |
| Tier 1 risk-based capital ratio | 26.1295% | 892 |
| Total risk-based capital ratio | 27.3891% | 871 |
| Memoranda: | ||
| Average total assets | $75,393,800 | 5,861 |
| Average earning assets | $68,214,600 | 5,886 |
| Average equity | $12,631,200 | 4,664 |
| Average total loans | $47,989,600 | 5,791 |