Home > Scribner Bank > Performance and Condition Ratios
Scribner 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 | 5.8175% | 812 |
| Cost of funding earning assets | 1.0829% | 3,109 |
| Net interest margin | 4.7346% | 455 |
| Noninterest income to average assets | 2.8100% | 193 |
| Noninterest expense to average assets | 4.2765% | 310 |
| Loan and lease loss provision to assets | 0.1900% | 662 |
| Net operating income to assets | 2.2563% | 317 |
| Return on assets (ROA) | 2.3127% | 289 |
| Pretax return on assets | 2.9131% | 219 |
| Return on Equity (ROE) | 17.6200% | 873 |
| Retained earnings to average equity (ytd only) | -10.9041% | 4,474 |
| Net charge-offs to loans | -0.0303% | 4,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.5389% | 3,241 |
| Assets per employee ($millions) | 6.3832% | 2,492 |
| Cash dividends to net income (ytd only)* | 161.8927% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8030% | 535 |
| Loan loss allowance to noncurrent loans | 572.5000% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 2,261 |
| Noncurrent loans to loans | 0.3149% | 2,059 |
| Net loans and leases to total assets | 60.1200% | 2,833 |
| Net loans and leases to deposits | 69.1176% | 2,941 |
| Net loans and leases to core deposits | 70.8089% | 3,256 |
| Total domestic deposits to total assets | 86.9800% | 1,691 |
| Equity capital to assets | 12.6811% | 951 |
| Core capital (leverage) ratio | 12.9474% | 1,071 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5481% | 646 |
| Memoranda: | ||
| Average total assets | $85,443,000 | 3,966 |
| Average earning assets | $81,168,200 | 3,919 |
| Average equity | $11,216,000 | 3,598 |
| Average total loans | $42,839,200 | 3,952 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 812 |
| Cost of funding earning assets | 0.9775% | 3,098 |
| Net interest margin | 4.7036% | 459 |
| Noninterest income to average assets | 2.6400% | 222 |
| Noninterest expense to average assets | 3.8903% | 383 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 2.4913% | 269 |
| Return on assets (ROA) | 2.4448% | 274 |
| Pretax return on assets | 3.0800% | 218 |
| Return on Equity (ROE) | 18.4700% | 881 |
| Retained earnings to average equity (ytd only) | -18.9765% | 4,550 |
| Net charge-offs to loans | -0.0424% | 4,327 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.6226% | 3,536 |
| Assets per employee ($millions) | 6.4295% | 2,373 |
| Cash dividends to net income (ytd only)* | 202.7250% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9282% | 447 |
| Loan loss allowance to noncurrent loans | 403.9604% | 1,663 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 2,045 |
| Noncurrent loans to loans | 0.4773% | 1,630 |
| Net loans and leases to total assets | 49.6600% | 3,639 |
| Net loans and leases to deposits | 56.7219% | 3,673 |
| Net loans and leases to core deposits | 57.7954% | 3,786 |
| Total domestic deposits to total assets | 87.5400% | 1,725 |
| Equity capital to assets | 11.8922% | 1,065 |
| Core capital (leverage) ratio | 11.9234% | 1,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3827% | 464 |
| Memoranda: | ||
| Average total assets | $86,058,250 | 3,978 |
| Average earning assets | $81,977,750 | 3,924 |
| Average equity | $11,389,250 | 3,586 |
| Average total loans | $40,848,250 | 3,985 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4648% | 878 |
| Cost of funding earning assets | 0.8741% | 3,012 |
| Net interest margin | 4.5907% | 541 |
| Noninterest income to average assets | 2.6500% | 193 |
| Noninterest expense to average assets | 3.9501% | 353 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 2.3231% | 299 |
| Return on assets (ROA) | 2.3250% | 291 |
| Pretax return on assets | 2.9304% | 220 |
| Return on Equity (ROE) | 17.0100% | 1,096 |
| Retained earnings to average equity (ytd only) | 11.9100% | 1,000 |
| Net charge-offs to loans | 0.0149% | 1,639 |
| Credit loss provision to net charge-offs | 2,000.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 444.0000% | 332 |
| Efficiency ratio | 56.2992% | 3,380 |
| Assets per employee ($millions) | 6.5542% | 2,250 |
| Cash dividends to net income (ytd only)* | 30.0000% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8695% | 529 |
| Loan loss allowance to noncurrent loans | 919.5402% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.1021% | 2,822 |
| Noncurrent loans to loans | 0.2033% | 2,451 |
| Net loans and leases to total assets | 49.2900% | 3,597 |
| Net loans and leases to deposits | 57.8902% | 3,541 |
| Net loans and leases to core deposits | 58.3731% | 3,699 |
| Total domestic deposits to total assets | 85.1400% | 2,505 |
| Equity capital to assets | 14.4043% | 588 |
| Core capital (leverage) ratio | 14.5454% | 663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8853% | 298 |
| Memoranda: | ||
| Average total assets | $86,883,000 | 3,981 |
| Average earning assets | $82,601,000 | 3,927 |
| Average equity | $11,872,333 | 3,548 |
| Average total loans | $40,357,667 | 4,009 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3555% | 775 |
| Cost of funding earning assets | 0.7802% | 2,802 |
| Net interest margin | 4.5753% | 523 |
| Noninterest income to average assets | 2.7500% | 177 |
| Noninterest expense to average assets | 4.2498% | 312 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2393% | 348 |
| Return on assets (ROA) | 2.3438% | 303 |
| Pretax return on assets | 2.9593% | 206 |
| Return on Equity (ROE) | 17.6100% | 1,082 |
| Retained earnings to average equity (ytd only) | 7.2310% | 2,438 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.0515% | 2,955 |
| Assets per employee ($millions) | 6.6843% | 2,207 |
| Cash dividends to net income (ytd only)* | 58.9494% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0944% | 381 |
| Loan loss allowance to noncurrent loans | 844.3182% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.1013% | 2,820 |
| Noncurrent loans to loans | 0.2481% | 2,260 |
| Net loans and leases to total assets | 39.9700% | 4,043 |
| Net loans and leases to deposits | 46.4561% | 4,021 |
| Net loans and leases to core deposits | 46.4561% | 4,097 |
| Total domestic deposits to total assets | 86.0400% | 2,576 |
| Equity capital to assets | 13.6197% | 649 |
| Core capital (leverage) ratio | 13.3515% | 872 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.3280% | 226 |
| Memoranda: | ||
| Average total assets | $87,722,500 | 4,019 |
| Average earning assets | $83,055,000 | 3,979 |
| Average equity | $11,672,000 | 3,599 |
| Average total loans | $39,140,000 | 4,083 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2207% | 3,778 |
| Cost of funding earning assets | 0.2452% | 3,362 |
| Net interest margin | 2.9755% | 3,511 |
| Noninterest income to average assets | 2.5100% | 203 |
| Noninterest expense to average assets | 3.5157% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5160% | 849 |
| Return on assets (ROA) | 1.3735% | 1,158 |
| Pretax return on assets | 1.6518% | 1,035 |
| Return on Equity (ROE) | 11.0700% | 2,447 |
| Retained earnings to average equity (ytd only) | 6.2601% | 2,550 |
| Net charge-offs to loans | -0.0247% | 4,130 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.8470% | 2,250 |
| Assets per employee ($millions) | 6.8115% | 2,108 |
| Cash dividends to net income (ytd only)* | 43.4641% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7358% | 756 |
| Loan loss allowance to noncurrent loans | 773.9583% | 1,195 |
| Noncurrent assets plus other real estate owned to assets | 0.1084% | 2,768 |
| Noncurrent loans to loans | 0.2243% | 2,371 |
| Net loans and leases to total assets | 47.5000% | 3,705 |
| Net loans and leases to deposits | 54.7789% | 3,639 |
| Net loans and leases to core deposits | 54.7789% | 3,777 |
| Total domestic deposits to total assets | 86.7100% | 2,491 |
| Equity capital to assets | 12.9973% | 706 |
| Core capital (leverage) ratio | 13.6375% | 786 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7329% | 381 |
| Memoranda: | ||
| Average total assets | $89,113,600 | 4,025 |
| Average earning assets | $84,825,000 | 3,983 |
| Average equity | $11,054,200 | 3,756 |
| Average total loans | $36,410,000 | 4,126 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7397% | 4,257 |
| Cost of funding earning assets | 0.1576% | 3,755 |
| Net interest margin | 2.5821% | 4,124 |
| Noninterest income to average assets | 2.4600% | 214 |
| Noninterest expense to average assets | 3.3254% | 573 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.2677% | 1,461 |
| Return on assets (ROA) | 1.3086% | 1,288 |
| Pretax return on assets | 1.5716% | 1,199 |
| Return on Equity (ROE) | 10.7400% | 2,486 |
| Retained earnings to average equity (ytd only) | 4.2178% | 3,371 |
| Net charge-offs to loans | -0.0345% | 4,181 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 67.4545% | 2,094 |
| Assets per employee ($millions) | 6.9023% | 2,017 |
| Cash dividends to net income (ytd only)* | 60.7306% | 851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3551% | 267 |
| Loan loss allowance to noncurrent loans | 831.2500% | 1,116 |
| Noncurrent assets plus other real estate owned to assets | 0.1070% | 2,897 |
| Noncurrent loans to loans | 0.2833% | 2,235 |
| Net loans and leases to total assets | 36.8700% | 4,190 |
| Net loans and leases to deposits | 42.1972% | 4,175 |
| Net loans and leases to core deposits | 42.1972% | 4,218 |
| Total domestic deposits to total assets | 87.3800% | 2,629 |
| Equity capital to assets | 12.1643% | 853 |
| Core capital (leverage) ratio | 12.5924% | 1,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9608% | 210 |
| Memoranda: | ||
| Average total assets | $89,251,000 | 4,052 |
| Average earning assets | $85,457,750 | 4,004 |
| Average equity | $10,874,250 | 3,821 |
| Average total loans | $34,811,250 | 4,178 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2785% | 4,533 |
| Cost of funding earning assets | 0.1006% | 4,185 |
| Net interest margin | 2.1779% | 4,463 |
| Noninterest income to average assets | 2.1214% | 213 |
| Noninterest expense to average assets | 3.2147% | 613 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8507% | 2,773 |
| Return on assets (ROA) | 0.9137% | 2,494 |
| Pretax return on assets | 1.0708% | 2,508 |
| Return on Equity (ROE) | 7.4949% | 3,165 |
| Retained earnings to average equity (ytd only) | 1.9152% | 3,777 |
| Net charge-offs to loans | -0.0513% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3326% | 1,242 |
| Assets per employee ($millions) | 6.4588% | 2,341 |
| Cash dividends to net income (ytd only)* | 74.4472% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1292% | 420 |
| Loan loss allowance to noncurrent loans | 742.0000% | 1,158 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 2,932 |
| Noncurrent loans to loans | 0.2870% | 2,316 |
| Net loans and leases to total assets | 37.7194% | 4,178 |
| Net loans and leases to deposits | 43.0862% | 4,153 |
| Net loans and leases to core deposits | 43.0862% | 4,223 |
| Total domestic deposits to total assets | 87.5441% | 2,750 |
| Equity capital to assets | 12.0213% | 868 |
| Core capital (leverage) ratio | 12.6025% | 941 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0639% | 203 |
| Memoranda: | ||
| Average total assets | $89,091,333 | 4,092 |
| Average earning assets | $85,494,667 | 4,057 |
| Average equity | $10,860,667 | 3,899 |
| Average total loans | $35,120,333 | 4,229 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0616% | 4,598 |
| Cost of funding earning assets | 0.0800% | 4,357 |
| Net interest margin | 1.9816% | 4,528 |
| Noninterest income to average assets | 2.1035% | 222 |
| Noninterest expense to average assets | 3.4651% | 436 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4621% | 3,804 |
| Return on assets (ROA) | 0.4659% | 3,763 |
| Pretax return on assets | 0.5474% | 3,760 |
| Return on Equity (ROE) | 3.7951% | 3,927 |
| Retained earnings to average equity (ytd only) | -7.3692% | 4,504 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4560% | 712 |
| Assets per employee ($millions) | 6.4714% | 2,404 |
| Cash dividends to net income (ytd only)* | 294.1748% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3839% | 328 |
| Loan loss allowance to noncurrent loans | 726.7327% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.1115% | 3,027 |
| Noncurrent loans to loans | 0.3280% | 2,305 |
| Net loans and leases to total assets | 33.1748% | 4,332 |
| Net loans and leases to deposits | 37.7550% | 4,330 |
| Net loans and leases to core deposits | 37.7550% | 4,382 |
| Total domestic deposits to total assets | 87.8685% | 2,582 |
| Equity capital to assets | 11.7374% | 1,047 |
| Core capital (leverage) ratio | 12.1296% | 1,020 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9468% | 167 |
| Memoranda: | ||
| Average total assets | $88,425,500 | 4,115 |
| Average earning assets | $84,981,000 | 4,075 |
| Average equity | $10,856,000 | 3,965 |
| Average total loans | $35,256,000 | 4,245 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0307% | 3,814 |
| Cost of funding earning assets | 0.0988% | 4,390 |
| Net interest margin | 2.9319% | 3,367 |
| Noninterest income to average assets | 2.3844% | 245 |
| Noninterest expense to average assets | 3.8121% | 347 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0912% | 2,330 |
| Return on assets (ROA) | 1.0922% | 2,395 |
| Pretax return on assets | 1.3688% | 2,145 |
| Return on Equity (ROE) | 8.5136% | 3,076 |
| Retained earnings to average equity (ytd only) | 3.6330% | 3,366 |
| Net charge-offs to loans | 0.0074% | 2,305 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 387.3333% | 338 |
| Efficiency ratio | 73.5969% | 1,354 |
| Assets per employee ($millions) | 5.7501% | 3,009 |
| Cash dividends to net income (ytd only)* | 57.3276% | 1,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 799 |
| Loan loss allowance to noncurrent loans | 734.0000% | 1,077 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 3,115 |
| Noncurrent loans to loans | 0.2517% | 2,720 |
| Net loans and leases to total assets | 45.2024% | 3,749 |
| Net loans and leases to deposits | 52.0868% | 3,734 |
| Net loans and leases to core deposits | 52.0868% | 3,887 |
| Total domestic deposits to total assets | 86.7829% | 2,586 |
| Equity capital to assets | 12.8438% | 946 |
| Core capital (leverage) ratio | 13.5601% | 685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0966% | 346 |
| Memoranda: | ||
| Average total assets | $84,967,200 | 4,155 |
| Average earning assets | $81,005,400 | 4,116 |
| Average equity | $10,900,200 | 4,050 |
| Average total loans | $40,798,000 | 4,169 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0245% | 3,958 |
| Cost of funding earning assets | 0.1042% | 4,462 |
| Net interest margin | 2.9203% | 3,506 |
| Noninterest income to average assets | 2.3737% | 259 |
| Noninterest expense to average assets | 3.5110% | 453 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3077% | 1,803 |
| Return on assets (ROA) | 1.3089% | 1,856 |
| Pretax return on assets | 1.6460% | 1,566 |
| Return on Equity (ROE) | 10.2063% | 2,660 |
| Retained earnings to average equity (ytd only) | 3.6723% | 3,689 |
| Net charge-offs to loans | 0.0227% | 1,590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 149.1429% | 679 |
| Efficiency ratio | 68.1027% | 1,815 |
| Assets per employee ($millions) | 5.4641% | 3,231 |
| Cash dividends to net income (ytd only)* | 64.0193% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0693% | 569 |
| Loan loss allowance to noncurrent loans | 730.0000% | 1,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1220% | 3,304 |
| Noncurrent loans to loans | 0.2835% | 2,779 |
| Net loans and leases to total assets | 42.1505% | 4,083 |
| Net loans and leases to deposits | 49.0223% | 4,061 |
| Net loans and leases to core deposits | 49.0223% | 4,191 |
| Total domestic deposits to total assets | 85.9824% | 2,752 |
| Equity capital to assets | 13.4442% | 872 |
| Core capital (leverage) ratio | 13.0797% | 823 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.2739% | 295 |
| Memoranda: | ||
| Average total assets | $84,646,000 | 4,206 |
| Average earning assets | $80,629,500 | 4,173 |
| Average equity | $10,855,750 | 4,106 |
| Average total loans | $41,067,000 | 4,216 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0613% | 3,935 |
| Cost of funding earning assets | 0.1102% | 4,507 |
| Net interest margin | 2.9511% | 3,446 |
| Noninterest income to average assets | 2.2819% | 276 |
| Noninterest expense to average assets | 3.5655% | 428 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2163% | 2,126 |
| Return on assets (ROA) | 1.2181% | 2,198 |
| Pretax return on assets | 1.5361% | 1,914 |
| Return on Equity (ROE) | 9.6470% | 2,891 |
| Retained earnings to average equity (ytd only) | 4.0365% | 3,503 |
| Net charge-offs to loans | -0.0047% | 3,412 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9221% | 1,647 |
| Assets per employee ($millions) | 5.8035% | 2,808 |
| Cash dividends to net income (ytd only)* | 58.1574% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 865 |
| Loan loss allowance to noncurrent loans | 551.4925% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 3,230 |
| Noncurrent loans to loans | 0.3284% | 2,737 |
| Net loans and leases to total assets | 46.0306% | 3,902 |
| Net loans and leases to deposits | 52.9465% | 3,936 |
| Net loans and leases to core deposits | 52.9465% | 4,088 |
| Total domestic deposits to total assets | 86.9378% | 2,359 |
| Equity capital to assets | 12.5717% | 1,102 |
| Core capital (leverage) ratio | 12.5459% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.0511% | 299 |
| Memoranda: | ||
| Average total assets | $85,541,000 | 4,221 |
| Average earning assets | $81,663,667 | 4,181 |
| Average equity | $10,801,333 | 4,124 |
| Average total loans | $42,997,000 | 4,216 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1270% | 3,836 |
| Cost of funding earning assets | 0.1243% | 4,498 |
| Net interest margin | 3.0027% | 3,250 |
| Noninterest income to average assets | 2.4108% | 281 |
| Noninterest expense to average assets | 3.6752% | 379 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2559% | 1,957 |
| Return on assets (ROA) | 1.2597% | 2,023 |
| Pretax return on assets | 1.5899% | 1,757 |
| Return on Equity (ROE) | 9.9534% | 2,698 |
| Retained earnings to average equity (ytd only) | -1.3420% | 4,492 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8655% | 1,722 |
| Assets per employee ($millions) | 6.0734% | 2,525 |
| Cash dividends to net income (ytd only)* | 113.4831% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7318% | 976 |
| Loan loss allowance to noncurrent loans | 716.5049% | 884 |
| Noncurrent assets plus other real estate owned to assets | 0.1211% | 3,566 |
| Noncurrent loans to loans | 0.2417% | 3,235 |
| Net loans and leases to total assets | 49.2514% | 3,691 |
| Net loans and leases to deposits | 56.6503% | 3,743 |
| Net loans and leases to core deposits | 56.9600% | 3,914 |
| Total domestic deposits to total assets | 86.9394% | 2,334 |
| Equity capital to assets | 12.5819% | 1,052 |
| Core capital (leverage) ratio | 12.7555% | 904 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.3718% | 744 |
| Memoranda: | ||
| Average total assets | $84,785,000 | 4,244 |
| Average earning assets | $80,461,500 | 4,209 |
| Average equity | $10,730,000 | 4,144 |
| Average total loans | $44,090,500 | 4,204 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5789% | 3,856 |
| Cost of funding earning assets | 0.2500% | 4,374 |
| Net interest margin | 3.3289% | 2,990 |
| Noninterest income to average assets | 2.6643% | 230 |
| Noninterest expense to average assets | 4.0304% | 375 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.4196% | 980 |
| Return on assets (ROA) | 1.4207% | 1,058 |
| Pretax return on assets | 1.7734% | 729 |
| Return on Equity (ROE) | 9.9599% | 2,024 |
| Retained earnings to average equity (ytd only) | 4.8797% | 2,326 |
| Net charge-offs to loans | -0.0045% | 4,107 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4601% | 2,025 |
| Assets per employee ($millions) | 6.0388% | 2,305 |
| Cash dividends to net income (ytd only)* | 51.0067% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6196% | 1,242 |
| Loan loss allowance to noncurrent loans | 677.0642% | 914 |
| Noncurrent assets plus other real estate owned to assets | 0.1289% | 3,641 |
| Noncurrent loans to loans | 0.2392% | 3,341 |
| Net loans and leases to total assets | 53.0239% | 3,577 |
| Net loans and leases to deposits | 61.0353% | 3,678 |
| Net loans and leases to core deposits | 61.6032% | 3,854 |
| Total domestic deposits to total assets | 86.8741% | 1,999 |
| Equity capital to assets | 12.7296% | 1,211 |
| Core capital (leverage) ratio | 13.8475% | 710 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.5378% | 540 |
| Memoranda: | ||
| Average total assets | $73,416,400 | 4,337 |
| Average earning assets | $69,211,200 | 4,303 |
| Average equity | $10,472,000 | 4,155 |
| Average total loans | $43,984,800 | 4,227 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7859% | 3,605 |
| Cost of funding earning assets | 0.2897% | 4,350 |
| Net interest margin | 3.4962% | 2,602 |
| Noninterest income to average assets | 2.7351% | 211 |
| Noninterest expense to average assets | 3.9640% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6577% | 635 |
| Return on assets (ROA) | 1.6592% | 703 |
| Pretax return on assets | 2.0764% | 443 |
| Return on Equity (ROE) | 11.2695% | 1,598 |
| Retained earnings to average equity (ytd only) | 4.4488% | 2,827 |
| Net charge-offs to loans | -0.0061% | 4,101 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6455% | 2,514 |
| Assets per employee ($millions) | 4.8385% | 3,438 |
| Cash dividends to net income (ytd only)* | 60.5233% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7354% | 832 |
| Loan loss allowance to noncurrent loans | 683.3333% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 3,672 |
| Noncurrent loans to loans | 0.2540% | 3,394 |
| Net loans and leases to total assets | 57.5781% | 3,460 |
| Net loans and leases to deposits | 67.9739% | 3,466 |
| Net loans and leases to core deposits | 68.7296% | 3,715 |
| Total domestic deposits to total assets | 84.7061% | 2,549 |
| Equity capital to assets | 14.6243% | 706 |
| Core capital (leverage) ratio | 13.9902% | 711 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1794% | 656 |
| Memoranda: | ||
| Average total assets | $70,634,750 | 4,379 |
| Average earning assets | $66,738,000 | 4,353 |
| Average equity | $10,399,500 | 4,172 |
| Average total loans | $43,589,500 | 4,266 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8840% | 3,664 |
| Cost of funding earning assets | 0.3365% | 4,327 |
| Net interest margin | 3.5474% | 2,645 |
| Noninterest income to average assets | 2.7719% | 187 |
| Noninterest expense to average assets | 4.1208% | 360 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.5952% | 770 |
| Return on assets (ROA) | 1.5974% | 834 |
| Pretax return on assets | 1.9975% | 548 |
| Return on Equity (ROE) | 10.8249% | 1,694 |
| Retained earnings to average equity (ytd only) | 4.9574% | 2,497 |
| Net charge-offs to loans | -0.0091% | 4,182 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3832% | 2,323 |
| Assets per employee ($millions) | 4.8421% | 3,370 |
| Cash dividends to net income (ytd only)* | 54.2039% | 1,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6524% | 903 |
| Loan loss allowance to noncurrent loans | 676.1468% | 773 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 3,773 |
| Noncurrent loans to loans | 0.2444% | 3,507 |
| Net loans and leases to total assets | 60.3935% | 3,282 |
| Net loans and leases to deposits | 71.0905% | 3,340 |
| Net loans and leases to core deposits | 71.8780% | 3,596 |
| Total domestic deposits to total assets | 84.9529% | 2,418 |
| Equity capital to assets | 14.5046% | 737 |
| Core capital (leverage) ratio | 14.4555% | 660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5550% | 621 |
| Memoranda: | ||
| Average total assets | $69,987,000 | 4,400 |
| Average earning assets | $65,963,667 | 4,376 |
| Average equity | $10,328,000 | 4,182 |
| Average total loans | $43,943,667 | 4,262 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1667% | 3,332 |
| Cost of funding earning assets | 0.4429% | 4,183 |
| Net interest margin | 3.7238% | 2,246 |
| Noninterest income to average assets | 2.7729% | 169 |
| Noninterest expense to average assets | 4.2817% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.5682% | 664 |
| Return on assets (ROA) | 1.5729% | 728 |
| Pretax return on assets | 1.9748% | 478 |
| Return on Equity (ROE) | 10.5629% | 1,551 |
| Retained earnings to average equity (ytd only) | -1.2910% | 4,175 |
| Net charge-offs to loans | -0.0092% | 4,045 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4995% | 2,585 |
| Assets per employee ($millions) | 4.6323% | 3,081 |
| Cash dividends to net income (ytd only)* | 112.2222% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7560% | 773 |
| Loan loss allowance to noncurrent loans | 469.4268% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2260% | 3,567 |
| Noncurrent loans to loans | 0.3741% | 3,144 |
| Net loans and leases to total assets | 59.3417% | 3,562 |
| Net loans and leases to deposits | 69.9885% | 3,592 |
| Net loans and leases to core deposits | 70.7984% | 3,827 |
| Total domestic deposits to total assets | 84.7879% | 2,494 |
| Equity capital to assets | 14.7099% | 834 |
| Core capital (leverage) ratio | 14.7722% | 722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.9012% | 654 |
| Memoranda: | ||
| Average total assets | $68,664,500 | 4,433 |
| Average earning assets | $64,127,500 | 4,420 |
| Average equity | $10,224,500 | 4,212 |
| Average total loans | $43,614,500 | 4,283 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0727% | 1,281 |
| Cost of funding earning assets | 0.6181% | 3,568 |
| Net interest margin | 4.4545% | 788 |
| Noninterest income to average assets | 2.7621% | 174 |
| Noninterest expense to average assets | 4.4871% | 311 |
| Loan and lease loss provision to assets | 0.0763% | 2,467 |
| Net operating income to assets | 1.8656% | 460 |
| Return on assets (ROA) | 1.8668% | 482 |
| Pretax return on assets | 2.3549% | 271 |
| Return on Equity (ROE) | 12.4504% | 1,340 |
| Retained earnings to average equity (ytd only) | 7.0390% | 1,371 |
| Net charge-offs to loans | 0.0466% | 2,454 |
| Credit loss provision to net charge-offs | 227.2727% | 1,176 |
| Earnings coverage of net charge-offs (x) | 72.4091% | 865 |
| Efficiency ratio | 64.8732% | 2,955 |
| Assets per employee ($millions) | 4.5230% | 3,188 |
| Cash dividends to net income (ytd only)* | 43.4641% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 922 |
| Loan loss allowance to noncurrent loans | 490.6667% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2211% | 3,569 |
| Noncurrent loans to loans | 0.3314% | 3,254 |
| Net loans and leases to total assets | 65.6246% | 2,998 |
| Net loans and leases to deposits | 77.5676% | 3,054 |
| Net loans and leases to core deposits | 78.4892% | 3,419 |
| Total domestic deposits to total assets | 84.6031% | 2,641 |
| Equity capital to assets | 15.0755% | 772 |
| Core capital (leverage) ratio | 15.2345% | 642 |
| Tier 1 risk-based capital ratio | 19.6878% | 1,372 |
| Total risk-based capital ratio | 20.9389% | 1,346 |
| Memoranda: | ||
| Average total assets | $65,566,400 | 4,503 |
| Average earning assets | $61,151,000 | 4,489 |
| Average equity | $9,831,000 | 4,265 |
| Average total loans | $47,164,000 | 4,235 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2152% | 1,013 |
| Cost of funding earning assets | 0.6434% | 3,486 |
| Net interest margin | 4.5718% | 656 |
| Noninterest income to average assets | 2.7590% | 172 |
| Noninterest expense to average assets | 4.2360% | 398 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.2360% | 256 |
| Return on assets (ROA) | 2.2360% | 265 |
| Pretax return on assets | 2.8083% | 147 |
| Return on Equity (ROE) | 14.9336% | 789 |
| Retained earnings to average equity (ytd only) | 7.6449% | 1,563 |
| Net charge-offs to loans | -0.0056% | 4,235 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1340% | 3,621 |
| Assets per employee ($millions) | 4.3734% | 3,377 |
| Cash dividends to net income (ytd only)* | 48.8075% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5141% | 1,209 |
| Loan loss allowance to noncurrent loans | 414.6199% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.2607% | 3,525 |
| Noncurrent loans to loans | 0.3652% | 3,242 |
| Net loans and leases to total assets | 70.3008% | 2,427 |
| Net loans and leases to deposits | 83.6259% | 2,498 |
| Net loans and leases to core deposits | 84.6575% | 3,031 |
| Total domestic deposits to total assets | 84.0658% | 2,797 |
| Equity capital to assets | 15.3641% | 758 |
| Core capital (leverage) ratio | 15.2042% | 693 |
| Tier 1 risk-based capital ratio | 19.3264% | 1,501 |
| Total risk-based capital ratio | 20.5771% | 1,469 |
| Memoranda: | ||
| Average total assets | $64,996,750 | 4,574 |
| Average earning assets | $60,922,500 | 4,555 |
| Average equity | $9,731,750 | 4,320 |
| Average total loans | $47,640,250 | 4,283 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2180% | 945 |
| Cost of funding earning assets | 0.6199% | 3,555 |
| Net interest margin | 4.5982% | 618 |
| Noninterest income to average assets | 2.7255% | 179 |
| Noninterest expense to average assets | 4.3553% | 347 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.1329% | 304 |
| Return on assets (ROA) | 2.1329% | 315 |
| Pretax return on assets | 2.6977% | 184 |
| Return on Equity (ROE) | 14.3719% | 901 |
| Retained earnings to average equity (ytd only) | 8.0699% | 1,361 |
| Net charge-offs to loans | -0.0042% | 4,081 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7505% | 3,474 |
| Assets per employee ($millions) | 4.0880% | 3,755 |
| Cash dividends to net income (ytd only)* | 43.8495% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5253% | 1,197 |
| Loan loss allowance to noncurrent loans | 427.1084% | 1,144 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 3,555 |
| Noncurrent loans to loans | 0.3571% | 3,262 |
| Net loans and leases to total assets | 69.9838% | 2,531 |
| Net loans and leases to deposits | 83.1607% | 2,584 |
| Net loans and leases to core deposits | 84.1870% | 3,092 |
| Total domestic deposits to total assets | 84.1548% | 2,795 |
| Equity capital to assets | 15.1373% | 777 |
| Core capital (leverage) ratio | 15.1421% | 677 |
| Tier 1 risk-based capital ratio | 19.2096% | 1,510 |
| Total risk-based capital ratio | 20.4612% | 1,470 |
| Memoranda: | ||
| Average total assets | $64,795,330 | 4,615 |
| Average earning assets | $60,981,000 | 4,584 |
| Average equity | $9,616,000 | 4,354 |
| Average total loans | $47,911,330 | 4,303 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2237% | 867 |
| Cost of funding earning assets | 0.5841% | 3,658 |
| Net interest margin | 4.6396% | 563 |
| Noninterest income to average assets | 2.8594% | 156 |
| Noninterest expense to average assets | 4.4101% | 328 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1895% | 276 |
| Return on assets (ROA) | 2.1895% | 286 |
| Pretax return on assets | 2.7850% | 159 |
| Return on Equity (ROE) | 14.9047% | 764 |
| Retained earnings to average equity (ytd only) | 2.1112% | 4,039 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2931% | 3,637 |
| Assets per employee ($millions) | 3.9946% | 3,934 |
| Cash dividends to net income (ytd only)* | 85.8357% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4876% | 1,373 |
| Loan loss allowance to noncurrent loans | 498.5915% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2222% | 3,739 |
| Noncurrent loans to loans | 0.2984% | 3,493 |
| Net loans and leases to total assets | 73.3591% | 1,921 |
| Net loans and leases to deposits | 86.9273% | 2,008 |
| Net loans and leases to core deposits | 87.7407% | 2,715 |
| Total domestic deposits to total assets | 84.3913% | 2,906 |
| Equity capital to assets | 14.8890% | 775 |
| Core capital (leverage) ratio | 14.4356% | 834 |
| Tier 1 risk-based capital ratio | 18.2285% | 1,733 |
| Total risk-based capital ratio | 19.4785% | 1,686 |
| Memoranda: | ||
| Average total assets | $64,489,000 | 4,666 |
| Average earning assets | $60,263,500 | 4,643 |
| Average equity | $9,473,500 | 4,404 |
| Average total loans | $48,625,000 | 4,332 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 1,876 |
| Cost of funding earning assets | 0.4022% | 3,973 |
| Net interest margin | 4.2835% | 1,193 |
| Noninterest income to average assets | 2.6605% | 184 |
| Noninterest expense to average assets | 4.4856% | 306 |
| Loan and lease loss provision to assets | 0.0305% | 3,578 |
| Net operating income to assets | 1.7854% | 569 |
| Return on assets (ROA) | 1.7854% | 568 |
| Pretax return on assets | 2.1779% | 374 |
| Return on Equity (ROE) | 12.9206% | 1,375 |
| Retained earnings to average equity (ytd only) | 7.1621% | 1,598 |
| Net charge-offs to loans | -0.0021% | 4,240 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0089% | 2,710 |
| Assets per employee ($millions) | 3.8274% | 4,141 |
| Cash dividends to net income (ytd only)* | 44.5680% | 2,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4238% | 1,547 |
| Loan loss allowance to noncurrent loans | 631.2500% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1721% | 3,949 |
| Noncurrent loans to loans | 0.2256% | 3,772 |
| Net loans and leases to total assets | 75.2309% | 1,734 |
| Net loans and leases to deposits | 88.4035% | 2,000 |
| Net loans and leases to core deposits | 89.2090% | 2,629 |
| Total domestic deposits to total assets | 85.0995% | 2,605 |
| Equity capital to assets | 14.4947% | 838 |
| Core capital (leverage) ratio | 15.2324% | 639 |
| Tier 1 risk-based capital ratio | 17.3653% | 1,931 |
| Total risk-based capital ratio | 18.6152% | 1,890 |
| Memoranda: | ||
| Average total assets | $65,476,400 | 4,668 |
| Average earning assets | $61,655,800 | 4,636 |
| Average equity | $9,047,600 | 4,451 |
| Average total loans | $46,870,400 | 4,375 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5896% | 2,007 |
| Cost of funding earning assets | 0.3608% | 4,108 |
| Net interest margin | 4.2288% | 1,290 |
| Noninterest income to average assets | 2.4418% | 212 |
| Noninterest expense to average assets | 4.1414% | 429 |
| Loan and lease loss provision to assets | 0.0407% | 3,188 |
| Net operating income to assets | 1.7891% | 612 |
| Return on assets (ROA) | 1.7891% | 615 |
| Pretax return on assets | 2.2628% | 362 |
| Return on Equity (ROE) | 13.1069% | 1,389 |
| Retained earnings to average equity (ytd only) | 5.3470% | 3,033 |
| Net charge-offs to loans | -0.0029% | 4,131 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2587% | 3,137 |
| Assets per employee ($millions) | 3.6304% | 4,395 |
| Cash dividends to net income (ytd only)* | 59.2048% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 1,301 |
| Loan loss allowance to noncurrent loans | 981.9444% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1167% | 4,393 |
| Noncurrent loans to loans | 0.1542% | 4,185 |
| Net loans and leases to total assets | 74.5014% | 1,900 |
| Net loans and leases to deposits | 89.3996% | 1,969 |
| Net loans and leases to core deposits | 90.2772% | 2,639 |
| Total domestic deposits to total assets | 83.3352% | 3,185 |
| Equity capital to assets | 14.7528% | 772 |
| Core capital (leverage) ratio | 14.3072% | 862 |
| Tier 1 risk-based capital ratio | 17.8369% | 1,833 |
| Total risk-based capital ratio | 19.0866% | 1,799 |
| Memoranda: | ||
| Average total assets | $65,579,250 | 4,712 |
| Average earning assets | $62,080,750 | 4,674 |
| Average equity | $8,951,750 | 4,504 |
| Average total loans | $46,174,000 | 4,439 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4233% | 2,341 |
| Cost of funding earning assets | 0.3247% | 4,239 |
| Net interest margin | 4.0986% | 1,562 |
| Noninterest income to average assets | 2.5095% | 209 |
| Noninterest expense to average assets | 4.1246% | 460 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7827% | 603 |
| Return on assets (ROA) | 1.7827% | 607 |
| Pretax return on assets | 2.2732% | 347 |
| Return on Equity (ROE) | 13.3923% | 1,239 |
| Retained earnings to average equity (ytd only) | 6.8309% | 2,153 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4694% | 3,252 |
| Assets per employee ($millions) | 4.1599% | 3,641 |
| Cash dividends to net income (ytd only)* | 48.9933% | 1,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 1,387 |
| Loan loss allowance to noncurrent loans | 3,118.1818% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0331% | 4,861 |
| Noncurrent loans to loans | 0.0482% | 4,701 |
| Net loans and leases to total assets | 67.5626% | 2,937 |
| Net loans and leases to deposits | 78.7631% | 3,081 |
| Net loans and leases to core deposits | 79.4590% | 3,463 |
| Total domestic deposits to total assets | 85.7795% | 2,385 |
| Equity capital to assets | 13.6631% | 1,041 |
| Core capital (leverage) ratio | 13.8303% | 951 |
| Tier 1 risk-based capital ratio | 17.8722% | 1,836 |
| Total risk-based capital ratio | 19.1222% | 1,798 |
| Memoranda: | ||
| Average total assets | $66,866,670 | 4,743 |
| Average earning assets | $63,437,000 | 4,702 |
| Average equity | $8,900,670 | 4,551 |
| Average total loans | $46,003,000 | 4,492 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3831% | 2,254 |
| Cost of funding earning assets | 0.2771% | 4,530 |
| Net interest margin | 4.1060% | 1,422 |
| Noninterest income to average assets | 2.3336% | 220 |
| Noninterest expense to average assets | 4.0107% | 527 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7845% | 583 |
| Return on assets (ROA) | 1.7845% | 590 |
| Pretax return on assets | 2.2142% | 369 |
| Return on Equity (ROE) | 13.5847% | 1,111 |
| Retained earnings to average equity (ytd only) | 0.3180% | 4,757 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4295% | 3,412 |
| Assets per employee ($millions) | 4.3404% | 3,414 |
| Cash dividends to net income (ytd only)* | 97.6589% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 1,232 |
| Loan loss allowance to noncurrent loans | 2,450.0000% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 4,895 |
| Noncurrent loans to loans | 0.0640% | 4,689 |
| Net loans and leases to total assets | 66.1214% | 3,016 |
| Net loans and leases to deposits | 76.9103% | 3,121 |
| Net loans and leases to core deposits | 77.6035% | 3,529 |
| Total domestic deposits to total assets | 85.9721% | 2,555 |
| Equity capital to assets | 13.5026% | 1,045 |
| Core capital (leverage) ratio | 13.0040% | 1,179 |
| Tier 1 risk-based capital ratio | 18.3901% | 1,723 |
| Total risk-based capital ratio | 19.6421% | 1,690 |
| Memoranda: | ||
| Average total assets | $67,020,500 | 4,797 |
| Average earning assets | $63,516,500 | 4,760 |
| Average equity | $8,804,000 | 4,610 |
| Average total loans | $46,177,000 | 4,530 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,796 |
| Cost of funding earning assets | 0.2152% | 4,822 |
| Net interest margin | 3.9583% | 1,886 |
| Noninterest income to average assets | 2.4277% | 226 |
| Noninterest expense to average assets | 4.0639% | 490 |
| Loan and lease loss provision to assets | 0.0889% | 2,410 |
| Net operating income to assets | 1.3487% | 1,117 |
| Return on assets (ROA) | 1.3487% | 1,139 |
| Pretax return on assets | 1.9816% | 514 |
| Return on Equity (ROE) | 10.6157% | 1,629 |
| Retained earnings to average equity (ytd only) | 4.6896% | 2,329 |
| Net charge-offs to loans | -0.0066% | 4,693 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,156 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2479% | 3,219 |
| Assets per employee ($millions) | 4.3084% | 3,472 |
| Cash dividends to net income (ytd only)* | 55.8242% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 1,723 |
| Loan loss allowance to noncurrent loans | 3,118.1818% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 4,981 |
| Noncurrent loans to loans | 0.0452% | 4,795 |
| Net loans and leases to total assets | 69.5336% | 2,598 |
| Net loans and leases to deposits | 80.0351% | 2,914 |
| Net loans and leases to core deposits | 80.7089% | 3,364 |
| Total domestic deposits to total assets | 86.8789% | 2,052 |
| Equity capital to assets | 12.7903% | 1,362 |
| Core capital (leverage) ratio | 12.7278% | 1,253 |
| Tier 1 risk-based capital ratio | 16.7014% | 2,199 |
| Total risk-based capital ratio | 17.9510% | 2,146 |
| Memoranda: | ||
| Average total assets | $67,472,000 | 4,820 |
| Average earning assets | $63,183,600 | 4,799 |
| Average equity | $8,572,200 | 4,693 |
| Average total loans | $45,673,800 | 4,575 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1166% | 2,928 |
| Cost of funding earning assets | 0.2062% | 4,924 |
| Net interest margin | 3.9105% | 2,004 |
| Noninterest income to average assets | 2.3087% | 246 |
| Noninterest expense to average assets | 3.8267% | 651 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4504% | 993 |
| Return on assets (ROA) | 1.4504% | 1,007 |
| Pretax return on assets | 2.1378% | 418 |
| Return on Equity (ROE) | 11.4359% | 1,512 |
| Retained earnings to average equity (ytd only) | 3.4777% | 3,851 |
| Net charge-offs to loans | -0.0089% | 4,601 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1572% | 3,515 |
| Assets per employee ($millions) | 4.2968% | 3,473 |
| Cash dividends to net income (ytd only)* | 69.5893% | 984 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 1,890 |
| Loan loss allowance to noncurrent loans | 2,845.4545% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 5,074 |
| Noncurrent loans to loans | 0.0492% | 4,889 |
| Net loans and leases to total assets | 64.1377% | 3,378 |
| Net loans and leases to deposits | 74.0876% | 3,551 |
| Net loans and leases to core deposits | 74.7153% | 3,915 |
| Total domestic deposits to total assets | 86.5700% | 2,061 |
| Equity capital to assets | 12.6155% | 1,598 |
| Core capital (leverage) ratio | 12.7336% | 1,319 |
| Tier 1 risk-based capital ratio | 17.4663% | 2,018 |
| Total risk-based capital ratio | 18.7147% | 1,969 |
| Memoranda: | ||
| Average total assets | $67,106,250 | 4,880 |
| Average earning assets | $62,735,500 | 4,858 |
| Average equity | $8,511,000 | 4,745 |
| Average total loans | $44,937,500 | 4,636 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0062% | 3,185 |
| Cost of funding earning assets | 0.1894% | 5,071 |
| Net interest margin | 3.8168% | 2,228 |
| Noninterest income to average assets | 2.2476% | 265 |
| Noninterest expense to average assets | 3.8973% | 592 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3071% | 1,279 |
| Return on assets (ROA) | 1.3071% | 1,300 |
| Pretax return on assets | 1.9231% | 622 |
| Return on Equity (ROE) | 10.2873% | 1,916 |
| Retained earnings to average equity (ytd only) | 3.3582% | 3,720 |
| Net charge-offs to loans | -0.0089% | 4,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9592% | 3,187 |
| Assets per employee ($millions) | 4.2008% | 3,618 |
| Cash dividends to net income (ytd only)* | 67.3563% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3726% | 2,077 |
| Loan loss allowance to noncurrent loans | 2,840.9091% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 5,132 |
| Noncurrent loans to loans | 0.0483% | 4,953 |
| Net loans and leases to total assets | 66.8145% | 2,987 |
| Net loans and leases to deposits | 77.2026% | 3,201 |
| Net loans and leases to core deposits | 77.8720% | 3,610 |
| Total domestic deposits to total assets | 86.5443% | 2,155 |
| Equity capital to assets | 12.7892% | 1,475 |
| Core capital (leverage) ratio | 12.7103% | 1,292 |
| Tier 1 risk-based capital ratio | 17.2144% | 2,093 |
| Total risk-based capital ratio | 18.4641% | 2,041 |
| Memoranda: | ||
| Average total assets | $66,558,670 | 4,922 |
| Average earning assets | $62,303,330 | 4,896 |
| Average equity | $8,457,000 | 4,772 |
| Average total loans | $45,010,000 | 4,660 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9254% | 3,303 |
| Cost of funding earning assets | 0.1749% | 5,199 |
| Net interest margin | 3.7505% | 2,304 |
| Noninterest income to average assets | 2.1802% | 282 |
| Noninterest expense to average assets | 4.0947% | 483 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0811% | 1,943 |
| Return on assets (ROA) | 1.0811% | 1,986 |
| Pretax return on assets | 1.5823% | 1,281 |
| Return on Equity (ROE) | 8.5365% | 2,654 |
| Retained earnings to average equity (ytd only) | -5.3890% | 5,409 |
| Net charge-offs to loans | -0.0089% | 4,375 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1277% | 2,547 |
| Assets per employee ($millions) | 4.5093% | 3,155 |
| Cash dividends to net income (ytd only)* | 163.1285% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 1,941 |
| Loan loss allowance to noncurrent loans | 1,248.0000% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 4,979 |
| Noncurrent loans to loans | 0.1147% | 4,735 |
| Net loans and leases to total assets | 63.5314% | 3,327 |
| Net loans and leases to deposits | 72.9786% | 3,516 |
| Net loans and leases to core deposits | 73.6036% | 3,874 |
| Total domestic deposits to total assets | 87.0548% | 2,190 |
| Equity capital to assets | 12.3272% | 1,645 |
| Core capital (leverage) ratio | 12.2081% | 1,503 |
| Tier 1 risk-based capital ratio | 17.4761% | 2,035 |
| Total risk-based capital ratio | 18.7250% | 1,994 |
| Memoranda: | ||
| Average total assets | $66,231,500 | 4,977 |
| Average earning assets | $61,751,000 | 4,955 |
| Average equity | $8,387,500 | 4,828 |
| Average total loans | $44,748,500 | 4,708 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8372% | 3,781 |
| Cost of funding earning assets | 0.1410% | 5,476 |
| Net interest margin | 3.6961% | 2,707 |
| Noninterest income to average assets | 2.3452% | 275 |
| Noninterest expense to average assets | 3.8897% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3081% | 1,197 |
| Return on assets (ROA) | 1.3081% | 1,261 |
| Pretax return on assets | 1.9067% | 615 |
| Return on Equity (ROE) | 10.5993% | 1,735 |
| Retained earnings to average equity (ytd only) | 4.4022% | 2,783 |
| Net charge-offs to loans | 0.0090% | 3,959 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 318.5000% | 247 |
| Efficiency ratio | 67.1056% | 3,417 |
| Assets per employee ($millions) | 4.0515% | 3,869 |
| Cash dividends to net income (ytd only)* | 58.4668% | 1,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 2,271 |
| Loan loss allowance to noncurrent loans | 1,074.1379% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0895% | 4,978 |
| Noncurrent loans to loans | 0.1264% | 4,733 |
| Net loans and leases to total assets | 69.8476% | 2,502 |
| Net loans and leases to deposits | 80.7023% | 2,816 |
| Net loans and leases to core deposits | 81.4279% | 3,264 |
| Total domestic deposits to total assets | 86.5497% | 2,350 |
| Equity capital to assets | 13.0152% | 1,250 |
| Core capital (leverage) ratio | 13.1613% | 1,078 |
| Tier 1 risk-based capital ratio | 16.5519% | 2,330 |
| Total risk-based capital ratio | 17.7779% | 2,280 |
| Memoranda: | ||
| Average total assets | $66,816,800 | 4,993 |
| Average earning assets | $62,390,000 | 4,973 |
| Average equity | $8,245,800 | 4,893 |
| Average total loans | $44,373,600 | 4,736 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 3,943 |
| Cost of funding earning assets | 0.1373% | 5,568 |
| Net interest margin | 3.6562% | 2,867 |
| Noninterest income to average assets | 2.1688% | 315 |
| Noninterest expense to average assets | 3.6504% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3370% | 1,193 |
| Return on assets (ROA) | 1.3370% | 1,277 |
| Pretax return on assets | 1.9470% | 641 |
| Return on Equity (ROE) | 10.9780% | 1,677 |
| Retained earnings to average equity (ytd only) | 2.6672% | 4,312 |
| Net charge-offs to loans | 0.0121% | 3,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 245.8968% | 323 |
| Efficiency ratio | 65.2159% | 3,729 |
| Assets per employee ($millions) | 4.2121% | 3,573 |
| Cash dividends to net income (ytd only)* | 75.7039% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4357% | 2,039 |
| Loan loss allowance to noncurrent loans | 2,148.2759% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 5,284 |
| Noncurrent loans to loans | 0.0668% | 5,083 |
| Net loans and leases to total assets | 67.6928% | 2,837 |
| Net loans and leases to deposits | 78.5228% | 3,133 |
| Net loans and leases to core deposits | 79.2503% | 3,524 |
| Total domestic deposits to total assets | 86.2079% | 2,256 |
| Equity capital to assets | 13.1369% | 1,420 |
| Core capital (leverage) ratio | 12.6083% | 1,356 |
| Tier 1 risk-based capital ratio | 17.3993% | 2,106 |
| Total risk-based capital ratio | 18.6483% | 2,065 |
| Memoranda: | ||
| Average total assets | $67,315,000 | 5,029 |
| Average earning assets | $63,124,500 | 5,001 |
| Average equity | $8,198,000 | 4,948 |
| Average total loans | $43,991,750 | 4,787 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7514% | 4,122 |
| Cost of funding earning assets | 0.1306% | 5,685 |
| Net interest margin | 3.6208% | 3,017 |
| Noninterest income to average assets | 2.1429% | 316 |
| Noninterest expense to average assets | 3.6714% | 915 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2782% | 1,339 |
| Return on assets (ROA) | 1.2782% | 1,453 |
| Pretax return on assets | 1.8605% | 761 |
| Return on Equity (ROE) | 10.7545% | 1,735 |
| Retained earnings to average equity (ytd only) | 3.5277% | 3,651 |
| Net charge-offs to loans | -0.0045% | 4,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3684% | 3,617 |
| Assets per employee ($millions) | 4.0437% | 3,822 |
| Cash dividends to net income (ytd only)* | 67.1982% | 1,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4785% | 1,948 |
| Loan loss allowance to noncurrent loans | 860.2740% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 5,061 |
| Noncurrent loans to loans | 0.1719% | 4,747 |
| Net loans and leases to total assets | 64.6811% | 3,268 |
| Net loans and leases to deposits | 74.7459% | 3,505 |
| Net loans and leases to core deposits | 75.4195% | 3,872 |
| Total domestic deposits to total assets | 86.5346% | 2,152 |
| Equity capital to assets | 12.8302% | 1,596 |
| Core capital (leverage) ratio | 12.5229% | 1,343 |
| Tier 1 risk-based capital ratio | 14.5885% | 3,266 |
| Total risk-based capital ratio | 15.7035% | 3,274 |
| Memoranda: | ||
| Average total assets | $68,693,000 | 5,053 |
| Average earning assets | $64,295,670 | 5,022 |
| Average equity | $8,164,000 | 4,996 |
| Average total loans | $44,191,670 | 4,824 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6638% | 4,438 |
| Cost of funding earning assets | 0.1149% | 5,847 |
| Net interest margin | 3.5489% | 3,284 |
| Noninterest income to average assets | 2.0540% | 331 |
| Noninterest expense to average assets | 3.5196% | 1,151 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2732% | 1,325 |
| Return on assets (ROA) | 1.2732% | 1,423 |
| Pretax return on assets | 1.8560% | 764 |
| Return on Equity (ROE) | 11.1173% | 1,558 |
| Retained earnings to average equity (ytd only) | -3.4587% | 5,513 |
| Net charge-offs to loans | -0.0089% | 4,473 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4737% | 3,883 |
| Assets per employee ($millions) | 4.2084% | 3,577 |
| Cash dividends to net income (ytd only)* | 131.1111% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 2,299 |
| Loan loss allowance to noncurrent loans | 1,531.7073% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0573% | 5,381 |
| Noncurrent loans to loans | 0.0933% | 5,098 |
| Net loans and leases to total assets | 60.5552% | 3,706 |
| Net loans and leases to deposits | 68.7132% | 3,981 |
| Net loans and leases to core deposits | 69.2625% | 4,291 |
| Total domestic deposits to total assets | 88.1274% | 1,573 |
| Equity capital to assets | 11.2799% | 2,651 |
| Core capital (leverage) ratio | 11.5492% | 1,943 |
| Tier 1 risk-based capital ratio | 13.5284% | 3,965 |
| Total risk-based capital ratio | 14.5913% | 3,997 |
| Memoranda: | ||
| Average total assets | $70,690,000 | 5,054 |
| Average earning assets | $66,161,000 | 5,019 |
| Average equity | $8,095,500 | 5,043 |
| Average total loans | $45,049,500 | 4,829 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6195% | 4,619 |
| Cost of funding earning assets | 0.1110% | 5,921 |
| Net interest margin | 3.5085% | 3,493 |
| Noninterest income to average assets | 2.1118% | 330 |
| Noninterest expense to average assets | 3.5969% | 1,133 |
| Loan and lease loss provision to assets | 0.0141% | 4,122 |
| Net operating income to assets | 1.1999% | 1,548 |
| Return on assets (ROA) | 1.1999% | 1,621 |
| Pretax return on assets | 1.7422% | 911 |
| Return on Equity (ROE) | 10.7847% | 1,692 |
| Retained earnings to average equity (ytd only) | 4.4200% | 2,837 |
| Net charge-offs to loans | -0.0114% | 5,140 |
| Credit loss provision to net charge-offs | -200.0000% | 5,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1916% | 3,716 |
| Assets per employee ($millions) | 4.3648% | 3,280 |
| Cash dividends to net income (ytd only)* | 59.0164% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3587% | 2,626 |
| Loan loss allowance to noncurrent loans | 1,959.3750% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0458% | 5,495 |
| Noncurrent loans to loans | 0.0693% | 5,240 |
| Net loans and leases to total assets | 65.1818% | 3,097 |
| Net loans and leases to deposits | 74.2339% | 3,464 |
| Net loans and leases to core deposits | 74.8442% | 3,861 |
| Total domestic deposits to total assets | 87.8059% | 1,746 |
| Equity capital to assets | 11.6285% | 2,250 |
| Core capital (leverage) ratio | 12.4066% | 1,398 |
| Tier 1 risk-based capital ratio | 15.1343% | 3,113 |
| Total risk-based capital ratio | 16.3125% | 3,079 |
| Memoranda: | ||
| Average total assets | $71,172,400 | 5,063 |
| Average earning assets | $65,755,000 | 5,049 |
| Average equity | $7,918,600 | 5,078 |
| Average total loans | $43,863,600 | 4,861 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 4,737 |
| Cost of funding earning assets | 0.1112% | 6,014 |
| Net interest margin | 3.4905% | 3,576 |
| Noninterest income to average assets | 2.0790% | 340 |
| Noninterest expense to average assets | 3.3805% | 1,510 |
| Loan and lease loss provision to assets | 0.0186% | 3,899 |
| Net operating income to assets | 1.3052% | 1,327 |
| Return on assets (ROA) | 1.3052% | 1,377 |
| Pretax return on assets | 1.8982% | 728 |
| Return on Equity (ROE) | 11.8621% | 1,412 |
| Retained earnings to average equity (ytd only) | 3.3214% | 4,108 |
| Net charge-offs to loans | -0.0154% | 5,115 |
| Credit loss provision to net charge-offs | -200.0000% | 5,170 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8156% | 4,284 |
| Assets per employee ($millions) | 4.0350% | 3,825 |
| Cash dividends to net income (ytd only)* | 71.9997% | 955 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 2,495 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 5,569 |
| Noncurrent loans to loans | 0.0749% | 5,326 |
| Net loans and leases to total assets | 67.3141% | 2,801 |
| Net loans and leases to deposits | 77.4901% | 3,150 |
| Net loans and leases to core deposits | 78.1872% | 3,593 |
| Total domestic deposits to total assets | 86.8680% | 2,109 |
| Equity capital to assets | 12.3900% | 1,803 |
| Core capital (leverage) ratio | 11.4976% | 2,041 |
| Tier 1 risk-based capital ratio | 15.5729% | 3,013 |
| Total risk-based capital ratio | 16.8067% | 2,949 |
| Memoranda: | ||
| Average total assets | $71,506,250 | 5,117 |
| Average earning assets | $65,930,250 | 5,099 |
| Average equity | $7,868,000 | 5,149 |
| Average total loans | $43,292,500 | 4,935 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4916% | 5,008 |
| Cost of funding earning assets | 0.1088% | 6,097 |
| Net interest margin | 3.3828% | 3,960 |
| Noninterest income to average assets | 1.8938% | 400 |
| Noninterest expense to average assets | 3.2538% | 1,837 |
| Loan and lease loss provision to assets | 0.0271% | 3,593 |
| Net operating income to assets | 1.1894% | 1,634 |
| Return on assets (ROA) | 1.1894% | 1,703 |
| Pretax return on assets | 1.7285% | 1,024 |
| Return on Equity (ROE) | 11.2214% | 1,613 |
| Retained earnings to average equity (ytd only) | 3.8598% | 3,548 |
| Net charge-offs to loans | -0.0139% | 5,033 |
| Credit loss provision to net charge-offs | -333.3333% | 5,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9540% | 4,202 |
| Assets per employee ($millions) | 4.4220% | 3,107 |
| Cash dividends to net income (ytd only)* | 65.6036% | 1,343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4839% | 2,366 |
| Loan loss allowance to noncurrent loans | 2,083.3333% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 5,692 |
| Noncurrent loans to loans | 0.0712% | 5,449 |
| Net loans and leases to total assets | 58.6457% | 4,021 |
| Net loans and leases to deposits | 66.9652% | 4,227 |
| Net loans and leases to core deposits | 67.5100% | 4,531 |
| Total domestic deposits to total assets | 87.5763% | 1,859 |
| Equity capital to assets | 11.2251% | 2,645 |
| Core capital (leverage) ratio | 10.9396% | 2,491 |
| Tier 1 risk-based capital ratio | 15.4246% | 3,147 |
| Total risk-based capital ratio | 16.6500% | 3,098 |
| Memoranda: | ||
| Average total assets | $73,821,670 | 5,107 |
| Average earning assets | $67,991,330 | 5,102 |
| Average equity | $7,824,330 | 5,199 |
| Average total loans | $43,028,330 | 4,990 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4512% | 5,087 |
| Cost of funding earning assets | 0.1046% | 6,187 |
| Net interest margin | 3.3466% | 4,035 |
| Noninterest income to average assets | 1.7835% | 421 |
| Noninterest expense to average assets | 3.1955% | 1,998 |
| Loan and lease loss provision to assets | 0.0531% | 2,884 |
| Net operating income to assets | 1.0988% | 1,877 |
| Return on assets (ROA) | 1.0988% | 1,985 |
| Pretax return on assets | 1.5924% | 1,286 |
| Return on Equity (ROE) | 10.6625% | 1,744 |
| Retained earnings to average equity (ytd only) | -4.1723% | 5,872 |
| Net charge-offs to loans | -0.0092% | 4,684 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0088% | 4,155 |
| Assets per employee ($millions) | 4.6858% | 2,786 |
| Cash dividends to net income (ytd only)* | 139.1304% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4858% | 2,502 |
| Loan loss allowance to noncurrent loans | 2,148.2759% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0387% | 5,782 |
| Noncurrent loans to loans | 0.0692% | 5,492 |
| Net loans and leases to total assets | 55.0966% | 4,310 |
| Net loans and leases to deposits | 62.1401% | 4,564 |
| Net loans and leases to core deposits | 62.6110% | 4,807 |
| Total domestic deposits to total assets | 88.6651% | 1,467 |
| Equity capital to assets | 10.3172% | 3,757 |
| Core capital (leverage) ratio | 9.9442% | 3,671 |
| Tier 1 risk-based capital ratio | 15.2982% | 3,262 |
| Total risk-based capital ratio | 16.5437% | 3,197 |
| Memoranda: | ||
| Average total assets | $75,356,500 | 5,127 |
| Average earning assets | $68,846,000 | 5,119 |
| Average equity | $7,765,500 | 5,252 |
| Average total loans | $43,483,500 | 5,000 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6218% | 5,026 |
| Cost of funding earning assets | 0.1205% | 6,245 |
| Net interest margin | 3.5013% | 3,785 |
| Noninterest income to average assets | 1.9905% | 343 |
| Noninterest expense to average assets | 3.4387% | 1,622 |
| Loan and lease loss provision to assets | 0.0639% | 3,237 |
| Net operating income to assets | 1.1727% | 1,664 |
| Return on assets (ROA) | 1.1727% | 1,738 |
| Pretax return on assets | 1.7051% | 974 |
| Return on Equity (ROE) | 11.0031% | 1,723 |
| Retained earnings to average equity (ytd only) | 5.8612% | 2,013 |
| Net charge-offs to loans | -0.0286% | 5,781 |
| Credit loss provision to net charge-offs | -375.0000% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0305% | 4,242 |
| Assets per employee ($millions) | 5.0494% | 2,259 |
| Cash dividends to net income (ytd only)* | 46.7312% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 3,139 |
| Loan loss allowance to noncurrent loans | 443.4783% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 5,300 |
| Noncurrent loans to loans | 0.3064% | 4,745 |
| Net loans and leases to total assets | 58.6538% | 3,971 |
| Net loans and leases to deposits | 66.1441% | 4,307 |
| Net loans and leases to core deposits | 66.6402% | 4,625 |
| Total domestic deposits to total assets | 88.6759% | 1,426 |
| Equity capital to assets | 10.2930% | 3,732 |
| Core capital (leverage) ratio | 11.2370% | 2,185 |
| Tier 1 risk-based capital ratio | 14.3119% | 3,891 |
| Total risk-based capital ratio | 15.4467% | 3,900 |
| Memoranda: | ||
| Average total assets | $70,434,000 | 5,272 |
| Average earning assets | $64,718,800 | 5,261 |
| Average equity | $7,507,000 | 5,304 |
| Average total loans | $41,944,600 | 5,111 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6476% | 5,012 |
| Cost of funding earning assets | 0.1226% | 6,325 |
| Net interest margin | 3.5250% | 3,736 |
| Noninterest income to average assets | 1.8560% | 392 |
| Noninterest expense to average assets | 3.2548% | 2,013 |
| Loan and lease loss provision to assets | 0.0579% | 3,211 |
| Net operating income to assets | 1.2463% | 1,538 |
| Return on assets (ROA) | 1.2463% | 1,591 |
| Pretax return on assets | 1.8155% | 862 |
| Return on Equity (ROE) | 11.5849% | 1,597 |
| Retained earnings to average equity (ytd only) | 4.6627% | 3,313 |
| Net charge-offs to loans | -0.0227% | 5,650 |
| Credit loss provision to net charge-offs | -428.5714% | 5,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4688% | 4,636 |
| Assets per employee ($millions) | 4.3681% | 3,180 |
| Cash dividends to net income (ytd only)* | 59.7520% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4955% | 2,740 |
| Loan loss allowance to noncurrent loans | 379.4872% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 5,328 |
| Noncurrent loans to loans | 0.3941% | 4,727 |
| Net loans and leases to total assets | 55.7920% | 4,356 |
| Net loans and leases to deposits | 63.0873% | 4,628 |
| Net loans and leases to core deposits | 63.6018% | 4,913 |
| Total domestic deposits to total assets | 88.4361% | 1,539 |
| Equity capital to assets | 10.9071% | 3,060 |
| Core capital (leverage) ratio | 10.4555% | 3,094 |
| Tier 1 risk-based capital ratio | 15.7120% | 3,204 |
| Total risk-based capital ratio | 16.9464% | 3,154 |
| Memoranda: | ||
| Average total assets | $69,107,250 | 5,372 |
| Average earning assets | $64,150,500 | 5,327 |
| Average equity | $7,434,750 | 5,360 |
| Average total loans | $41,171,500 | 5,183 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6920% | 4,883 |
| Cost of funding earning assets | 0.1229% | 6,400 |
| Net interest margin | 3.5692% | 3,491 |
| Noninterest income to average assets | 1.7924% | 414 |
| Noninterest expense to average assets | 3.2391% | 2,073 |
| Loan and lease loss provision to assets | 0.0436% | 3,445 |
| Net operating income to assets | 1.2375% | 1,485 |
| Return on assets (ROA) | 1.2375% | 1,547 |
| Pretax return on assets | 1.8011% | 840 |
| Return on Equity (ROE) | 11.5572% | 1,560 |
| Retained earnings to average equity (ytd only) | 4.1508% | 3,531 |
| Net charge-offs to loans | -0.0240% | 5,601 |
| Credit loss provision to net charge-offs | -300.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7143% | 4,737 |
| Assets per employee ($millions) | 4.7683% | 2,518 |
| Cash dividends to net income (ytd only)* | 64.0845% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 3,328 |
| Loan loss allowance to noncurrent loans | 354.9383% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.2265% | 5,425 |
| Noncurrent loans to loans | 0.3958% | 4,806 |
| Net loans and leases to total assets | 56.4194% | 4,219 |
| Net loans and leases to deposits | 63.8735% | 4,516 |
| Net loans and leases to core deposits | 64.3830% | 4,781 |
| Total domestic deposits to total assets | 88.3300% | 1,721 |
| Equity capital to assets | 10.5138% | 3,427 |
| Core capital (leverage) ratio | 10.6241% | 2,796 |
| Tier 1 risk-based capital ratio | 15.2349% | 3,501 |
| Total risk-based capital ratio | 16.4141% | 3,491 |
| Memoranda: | ||
| Average total assets | $68,846,330 | 5,426 |
| Average earning assets | $63,488,000 | 5,404 |
| Average equity | $7,372,000 | 5,398 |
| Average total loans | $41,700,330 | 5,209 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7754% | 4,582 |
| Cost of funding earning assets | 0.1293% | 6,446 |
| Net interest margin | 3.6461% | 3,077 |
| Noninterest income to average assets | 1.6591% | 450 |
| Noninterest expense to average assets | 3.3478% | 1,832 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1317% | 1,693 |
| Return on assets (ROA) | 1.1317% | 1,759 |
| Pretax return on assets | 1.6532% | 1,067 |
| Return on Equity (ROE) | 10.4686% | 1,881 |
| Retained earnings to average equity (ytd only) | -4.4944% | 6,092 |
| Net charge-offs to loans | -0.0285% | 5,531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9431% | 4,373 |
| Assets per employee ($millions) | 4.3494% | 3,248 |
| Cash dividends to net income (ytd only)* | 142.9319% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 3,873 |
| Loan loss allowance to noncurrent loans | 442.8571% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1931% | 5,642 |
| Noncurrent loans to loans | 0.3038% | 5,202 |
| Net loans and leases to total assets | 62.7121% | 3,120 |
| Net loans and leases to deposits | 71.1362% | 3,453 |
| Net loans and leases to core deposits | 71.7601% | 3,895 |
| Total domestic deposits to total assets | 88.1578% | 2,136 |
| Equity capital to assets | 11.1356% | 2,586 |
| Core capital (leverage) ratio | 10.0457% | 3,499 |
| Tier 1 risk-based capital ratio | 14.9654% | 3,728 |
| Total risk-based capital ratio | 16.1278% | 3,731 |
| Memoranda: | ||
| Average total assets | $67,507,000 | 5,521 |
| Average earning assets | $61,875,000 | 5,507 |
| Average equity | $7,298,000 | 5,445 |
| Average total loans | $42,086,000 | 5,235 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5146% | 5,611 |
| Cost of funding earning assets | 0.1447% | 6,560 |
| Net interest margin | 3.3699% | 4,404 |
| Noninterest income to average assets | 1.8458% | 446 |
| Noninterest expense to average assets | 3.2747% | 2,207 |
| Loan and lease loss provision to assets | 0.0729% | 3,660 |
| Net operating income to assets | 1.1095% | 1,905 |
| Return on assets (ROA) | 1.1095% | 1,975 |
| Pretax return on assets | 1.6213% | 1,116 |
| Return on Equity (ROE) | 10.9245% | 1,790 |
| Retained earnings to average equity (ytd only) | 10.9245% | 425 |
| Net charge-offs to loans | 0.1881% | 2,959 |
| Credit loss provision to net charge-offs | 65.7895% | 3,409 |
| Earnings coverage of net charge-offs (x) | 15.2895% | 1,879 |
| Efficiency ratio | 65.9038% | 4,579 |
| Assets per employee ($millions) | 4.9838% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,147 |
| Loan loss allowance to noncurrent loans | 437.0079% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 5,770 |
| Noncurrent loans to loans | 0.2974% | 5,291 |
| Net loans and leases to total assets | 60.4030% | 3,639 |
| Net loans and leases to deposits | 67.8358% | 4,079 |
| Net loans and leases to core deposits | 68.3861% | 4,463 |
| Total domestic deposits to total assets | 89.0430% | 1,591 |
| Equity capital to assets | 10.5069% | 3,146 |
| Core capital (leverage) ratio | 11.1982% | 2,199 |
| Tier 1 risk-based capital ratio | 13.8235% | 4,418 |
| Total risk-based capital ratio | 14.8767% | 4,514 |
| Memoranda: | ||
| Average total assets | $68,586,800 | 5,522 |
| Average earning assets | $63,563,200 | 5,483 |
| Average equity | $6,966,000 | 5,576 |
| Average total loans | $40,402,000 | 5,329 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4888% | 5,712 |
| Cost of funding earning assets | 0.1486% | 6,640 |
| Net interest margin | 3.3402% | 4,494 |
| Noninterest income to average assets | 1.7474% | 509 |
| Noninterest expense to average assets | 3.1512% | 2,502 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1695% | 1,741 |
| Return on assets (ROA) | 1.1695% | 1,815 |
| Pretax return on assets | 1.7123% | 1,071 |
| Return on Equity (ROE) | 11.6171% | 1,615 |
| Retained earnings to average equity (ytd only) | 11.6171% | 484 |
| Net charge-offs to loans | 0.1306% | 3,227 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 22.4865% | 1,494 |
| Efficiency ratio | 64.7933% | 4,677 |
| Assets per employee ($millions) | 4.1356% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4451% | 3,704 |
| Loan loss allowance to noncurrent loans | 283.7696% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 0.2887% | 5,570 |
| Noncurrent loans to loans | 0.5093% | 4,918 |
| Net loans and leases to total assets | 55.8630% | 4,339 |
| Net loans and leases to deposits | 63.2404% | 4,598 |
| Net loans and leases to core deposits | 63.7860% | 4,922 |
| Total domestic deposits to total assets | 88.3344% | 1,926 |
| Equity capital to assets | 10.8389% | 2,926 |
| Core capital (leverage) ratio | 10.6479% | 2,839 |
| Tier 1 risk-based capital ratio | 15.0814% | 3,697 |
| Total risk-based capital ratio | 16.2319% | 3,710 |
| Memoranda: | ||
| Average total assets | $68,290,250 | 5,586 |
| Average earning assets | $63,707,000 | 5,534 |
| Average equity | $6,874,750 | 5,675 |
| Average total loans | $39,827,500 | 5,404 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4317% | 5,836 |
| Cost of funding earning assets | 0.1500% | 6,711 |
| Net interest margin | 3.2817% | 4,647 |
| Noninterest income to average assets | 1.5624% | 645 |
| Noninterest expense to average assets | 3.1422% | 2,544 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9768% | 2,434 |
| Return on assets (ROA) | 0.9768% | 2,581 |
| Pretax return on assets | 1.4638% | 1,728 |
| Return on Equity (ROE) | 9.9474% | 2,217 |
| Retained earnings to average equity (ytd only) | 9.9474% | 856 |
| Net charge-offs to loans | 0.0788% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 31.5625% | 1,107 |
| Efficiency ratio | 68.2190% | 4,144 |
| Assets per employee ($millions) | 4.0528% | 3,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4255% | 3,917 |
| Loan loss allowance to noncurrent loans | 178.2334% | 2,190 |
| Noncurrent assets plus other real estate owned to assets | 0.4889% | 5,045 |
| Noncurrent loans to loans | 0.7998% | 4,311 |
| Net loans and leases to total assets | 60.2498% | 3,613 |
| Net loans and leases to deposits | 70.2086% | 3,693 |
| Net loans and leases to core deposits | 70.8452% | 4,181 |
| Total domestic deposits to total assets | 85.8154% | 3,469 |
| Equity capital to assets | 10.6115% | 3,160 |
| Core capital (leverage) ratio | 10.6169% | 2,747 |
| Tier 1 risk-based capital ratio | 14.7821% | 3,920 |
| Total risk-based capital ratio | 15.9896% | 3,915 |
| Memoranda: | ||
| Average total assets | $68,997,330 | 5,606 |
| Average earning assets | $63,992,000 | 5,557 |
| Average equity | $6,775,670 | 5,741 |
| Average total loans | $40,601,330 | 5,399 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4154% | 5,908 |
| Cost of funding earning assets | 0.1525% | 6,790 |
| Net interest margin | 3.2630% | 4,668 |
| Noninterest income to average assets | 1.4745% | 713 |
| Noninterest expense to average assets | 3.1742% | 2,436 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8723% | 2,789 |
| Return on assets (ROA) | 0.8723% | 2,940 |
| Pretax return on assets | 1.3113% | 2,192 |
| Return on Equity (ROE) | 9.2221% | 2,389 |
| Retained earnings to average equity (ytd only) | 9.2221% | 1,315 |
| Net charge-offs to loans | -0.0195% | 5,696 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7654% | 3,831 |
| Assets per employee ($millions) | 7.2018% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5491% | 3,621 |
| Loan loss allowance to noncurrent loans | 166.0969% | 2,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4874% | 5,162 |
| Noncurrent loans to loans | 0.9326% | 4,270 |
| Net loans and leases to total assets | 51.4482% | 4,779 |
| Net loans and leases to deposits | 57.0487% | 5,134 |
| Net loans and leases to core deposits | 57.4913% | 5,390 |
| Total domestic deposits to total assets | 90.1830% | 943 |
| Equity capital to assets | 9.4379% | 4,944 |
| Core capital (leverage) ratio | 9.9096% | 3,516 |
| Tier 1 risk-based capital ratio | 14.8142% | 3,958 |
| Total risk-based capital ratio | 16.0640% | 3,927 |
| Memoranda: | ||
| Average total assets | $71,073,500 | 5,593 |
| Average earning assets | $65,584,500 | 5,559 |
| Average equity | $6,723,000 | 5,809 |
| Average total loans | $41,085,000 | 5,415 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6905% | 6,068 |
| Cost of funding earning assets | 0.1936% | 6,852 |
| Net interest margin | 3.4969% | 4,515 |
| Noninterest income to average assets | 2.0405% | 421 |
| Noninterest expense to average assets | 3.5755% | 1,669 |
| Loan and lease loss provision to assets | 0.0886% | 4,585 |
| Net operating income to assets | 1.0218% | 2,243 |
| Return on assets (ROA) | 1.0218% | 2,459 |
| Pretax return on assets | 1.5487% | 1,520 |
| Return on Equity (ROE) | 9.8481% | 2,235 |
| Retained earnings to average equity (ytd only) | -2.4436% | 6,220 |
| Net charge-offs to loans | 0.3337% | 2,970 |
| Credit loss provision to net charge-offs | 45.6693% | 4,794 |
| Earnings coverage of net charge-offs (x) | 8.4409% | 2,414 |
| Efficiency ratio | 68.5907% | 4,036 |
| Assets per employee ($millions) | 4.6753% | 2,670 |
| Cash dividends to net income (ytd only)* | 124.8132% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 4,611 |
| Loan loss allowance to noncurrent loans | 162.2905% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5105% | 5,197 |
| Noncurrent loans to loans | 0.8039% | 4,581 |
| Net loans and leases to total assets | 62.6759% | 3,127 |
| Net loans and leases to deposits | 69.6202% | 3,758 |
| Net loans and leases to core deposits | 70.4572% | 4,238 |
| Total domestic deposits to total assets | 90.0255% | 933 |
| Equity capital to assets | 9.4811% | 4,898 |
| Core capital (leverage) ratio | 10.0806% | 3,299 |
| Tier 1 risk-based capital ratio | 12.9134% | 5,175 |
| Total risk-based capital ratio | 14.0499% | 5,192 |
| Memoranda: | ||
| Average total assets | $65,474,200 | 5,766 |
| Average earning assets | $59,395,800 | 5,769 |
| Average equity | $6,793,200 | 5,821 |
| Average total loans | $38,059,400 | 5,587 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6770% | 6,262 |
| Cost of funding earning assets | 0.2000% | 6,952 |
| Net interest margin | 3.4770% | 4,726 |
| Noninterest income to average assets | 1.7581% | 509 |
| Noninterest expense to average assets | 3.2943% | 2,289 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0366% | 2,331 |
| Return on assets (ROA) | 1.0366% | 2,553 |
| Pretax return on assets | 1.6358% | 1,465 |
| Return on Equity (ROE) | 9.7617% | 2,465 |
| Retained earnings to average equity (ytd only) | 1.6204% | 5,523 |
| Net charge-offs to loans | -0.0110% | 6,377 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8209% | 4,285 |
| Assets per employee ($millions) | 4.3416% | 3,183 |
| Cash dividends to net income (ytd only)* | 83.4006% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 2,892 |
| Loan loss allowance to noncurrent loans | 131.1245% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.7647% | 4,790 |
| Noncurrent loans to loans | 1.3513% | 3,768 |
| Net loans and leases to total assets | 55.5863% | 4,509 |
| Net loans and leases to deposits | 63.3144% | 4,797 |
| Net loans and leases to core deposits | 64.1605% | 5,132 |
| Total domestic deposits to total assets | 87.7941% | 2,179 |
| Equity capital to assets | 10.6028% | 3,729 |
| Core capital (leverage) ratio | 10.3803% | 3,063 |
| Tier 1 risk-based capital ratio | 15.5253% | 3,516 |
| Total risk-based capital ratio | 16.7785% | 3,479 |
| Memoranda: | ||
| Average total assets | $64,310,500 | 5,869 |
| Average earning assets | $58,670,000 | 5,852 |
| Average equity | $6,829,250 | 5,878 |
| Average total loans | $36,440,500 | 5,729 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7141% | 6,308 |
| Cost of funding earning assets | 0.2063% | 7,019 |
| Net interest margin | 3.5078% | 4,634 |
| Noninterest income to average assets | 1.5584% | 609 |
| Noninterest expense to average assets | 3.3511% | 2,152 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8745% | 3,022 |
| Return on assets (ROA) | 0.8745% | 3,282 |
| Pretax return on assets | 1.3929% | 2,222 |
| Return on Equity (ROE) | 8.2305% | 3,155 |
| Retained earnings to average equity (ytd only) | 1.3521% | 5,518 |
| Net charge-offs to loans | -0.0110% | 6,297 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6386% | 3,665 |
| Assets per employee ($millions) | 4.2129% | 3,430 |
| Cash dividends to net income (ytd only)* | 83.5714% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8971% | 2,569 |
| Loan loss allowance to noncurrent loans | 144.5676% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.7137% | 5,012 |
| Noncurrent loans to loans | 1.3123% | 3,955 |
| Net loans and leases to total assets | 53.3532% | 4,906 |
| Net loans and leases to deposits | 60.3429% | 5,216 |
| Net loans and leases to core deposits | 61.1673% | 5,480 |
| Total domestic deposits to total assets | 88.4166% | 1,871 |
| Equity capital to assets | 10.8555% | 3,286 |
| Core capital (leverage) ratio | 10.6877% | 2,613 |
| Tier 1 risk-based capital ratio | 16.5164% | 2,907 |
| Total risk-based capital ratio | 17.7697% | 2,867 |
| Memoranda: | ||
| Average total assets | $64,039,330 | 5,915 |
| Average earning assets | $58,156,000 | 5,903 |
| Average equity | $6,804,000 | 5,907 |
| Average total loans | $36,303,000 | 5,773 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8085% | 6,225 |
| Cost of funding earning assets | 0.1994% | 7,107 |
| Net interest margin | 3.6092% | 4,223 |
| Noninterest income to average assets | 1.5327% | 615 |
| Noninterest expense to average assets | 3.1709% | 2,697 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0301% | 2,358 |
| Return on assets (ROA) | 1.0301% | 2,545 |
| Pretax return on assets | 1.6196% | 1,503 |
| Return on Equity (ROE) | 9.7993% | 2,469 |
| Retained earnings to average equity (ytd only) | -4.0142% | 6,499 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1917% | 4,524 |
| Assets per employee ($millions) | 4.3817% | 3,225 |
| Cash dividends to net income (ytd only)* | 140.9639% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7890% | 3,034 |
| Loan loss allowance to noncurrent loans | 143.4879% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.6892% | 5,176 |
| Noncurrent loans to loans | 1.2468% | 4,253 |
| Net loans and leases to total assets | 54.2921% | 4,674 |
| Net loans and leases to deposits | 62.5607% | 4,835 |
| Net loans and leases to core deposits | 63.3965% | 5,181 |
| Total domestic deposits to total assets | 86.7830% | 3,078 |
| Equity capital to assets | 10.2577% | 3,782 |
| Core capital (leverage) ratio | 10.7520% | 2,490 |
| Tier 1 risk-based capital ratio | 15.6209% | 3,382 |
| Total risk-based capital ratio | 16.8735% | 3,349 |
| Memoranda: | ||
| Average total assets | $64,462,000 | 5,945 |
| Average earning assets | $58,185,000 | 5,931 |
| Average equity | $6,776,000 | 5,937 |
| Average total loans | $37,270,500 | 5,769 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7034% | 6,844 |
| Cost of funding earning assets | 0.3024% | 7,105 |
| Net interest margin | 3.4010% | 5,477 |
| Noninterest income to average assets | 3.3525% | 185 |
| Noninterest expense to average assets | 5.0221% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9597% | 2,360 |
| Return on assets (ROA) | 0.9597% | 2,494 |
| Pretax return on assets | 1.4760% | 1,545 |
| Return on Equity (ROE) | 8.7418% | 2,570 |
| Retained earnings to average equity (ytd only) | 2.3663% | 4,542 |
| Net charge-offs to loans | 0.0187% | 6,182 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 148.6667% | 225 |
| Efficiency ratio | 77.2855% | 2,698 |
| Assets per employee ($millions) | 4.2132% | 3,443 |
| Cash dividends to net income (ytd only)* | 72.9310% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7013% | 3,197 |
| Loan loss allowance to noncurrent loans | 138.5928% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.7421% | 5,158 |
| Noncurrent loans to loans | 1.2275% | 4,317 |
| Net loans and leases to total assets | 59.4275% | 4,103 |
| Net loans and leases to deposits | 67.2498% | 4,547 |
| Net loans and leases to core deposits | 67.8573% | 5,044 |
| Total domestic deposits to total assets | 88.3683% | 1,927 |
| Equity capital to assets | 10.7757% | 3,220 |
| Core capital (leverage) ratio | 11.1031% | 2,187 |
| Tier 1 risk-based capital ratio | 15.2552% | 3,480 |
| Total risk-based capital ratio | 16.5088% | 3,436 |
| Memoranda: | ||
| Average total assets | $60,432,800 | 6,022 |
| Average earning assets | $55,895,000 | 5,989 |
| Average equity | $6,634,800 | 5,977 |
| Average total loans | $32,109,000 | 6,064 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6017% | 7,018 |
| Cost of funding earning assets | 0.3177% | 7,187 |
| Net interest margin | 3.2840% | 5,904 |
| Noninterest income to average assets | 3.3187% | 189 |
| Noninterest expense to average assets | 4.8965% | 412 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9820% | 2,385 |
| Return on assets (ROA) | 0.9820% | 2,542 |
| Pretax return on assets | 1.5132% | 1,614 |
| Return on Equity (ROE) | 8.9008% | 2,642 |
| Retained earnings to average equity (ytd only) | 0.3440% | 5,849 |
| Net charge-offs to loans | 0.0262% | 5,779 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 112.9975% | 316 |
| Efficiency ratio | 76.3928% | 2,784 |
| Assets per employee ($millions) | 4.0280% | 3,785 |
| Cash dividends to net income (ytd only)* | 96.1374% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2023% | 1,854 |
| Loan loss allowance to noncurrent loans | 243.0712% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.4419% | 5,986 |
| Noncurrent loans to loans | 0.9060% | 5,053 |
| Net loans and leases to total assets | 47.6994% | 5,991 |
| Net loans and leases to deposits | 54.2096% | 6,196 |
| Net loans and leases to core deposits | 54.7243% | 6,409 |
| Total domestic deposits to total assets | 87.9907% | 2,036 |
| Equity capital to assets | 11.0626% | 3,079 |
| Core capital (leverage) ratio | 11.0061% | 2,380 |
| Tier 1 risk-based capital ratio | 18.5550% | 2,078 |
| Total risk-based capital ratio | 19.8124% | 2,033 |
| Memoranda: | ||
| Average total assets | $59,741,500 | 6,095 |
| Average earning assets | $56,230,750 | 6,020 |
| Average equity | $6,591,000 | 6,030 |
| Average total loans | $30,584,500 | 6,196 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6339% | 7,074 |
| Cost of funding earning assets | 0.3278% | 7,263 |
| Net interest margin | 3.3061% | 5,836 |
| Noninterest income to average assets | 2.0566% | 349 |
| Noninterest expense to average assets | 4.1031% | 913 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6889% | 3,602 |
| Return on assets (ROA) | 0.6889% | 3,720 |
| Pretax return on assets | 1.0720% | 2,962 |
| Return on Equity (ROE) | 6.2500% | 3,824 |
| Retained earnings to average equity (ytd only) | -3.0793% | 6,380 |
| Net charge-offs to loans | -0.0194% | 6,814 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2857% | 2,507 |
| Assets per employee ($millions) | 3.9205% | 3,945 |
| Cash dividends to net income (ytd only)* | 149.2683% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2927% | 1,755 |
| Loan loss allowance to noncurrent loans | 237.0504% | 1,299 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 5,974 |
| Noncurrent loans to loans | 0.9672% | 5,050 |
| Net loans and leases to total assets | 47.7554% | 6,079 |
| Net loans and leases to deposits | 54.2665% | 6,289 |
| Net loans and leases to core deposits | 54.7959% | 6,507 |
| Total domestic deposits to total assets | 88.0016% | 2,139 |
| Equity capital to assets | 11.1873% | 2,778 |
| Core capital (leverage) ratio | 10.9834% | 2,264 |
| Tier 1 risk-based capital ratio | 18.3430% | 2,060 |
| Total risk-based capital ratio | 19.6003% | 2,015 |
| Memoranda: | ||
| Average total assets | $59,515,330 | 6,151 |
| Average earning assets | $56,138,670 | 6,079 |
| Average equity | $6,560,000 | 6,065 |
| Average total loans | $30,956,330 | 6,243 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 7,040 |
| Cost of funding earning assets | 0.3478% | 7,317 |
| Net interest margin | 3.3787% | 5,510 |
| Noninterest income to average assets | 1.6102% | 512 |
| Noninterest expense to average assets | 3.8150% | 1,310 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6214% | 3,917 |
| Return on assets (ROA) | 0.6214% | 3,985 |
| Pretax return on assets | 0.9755% | 3,219 |
| Return on Equity (ROE) | 5.6790% | 4,074 |
| Retained earnings to average equity (ytd only) | -13.0066% | 6,975 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6374% | 2,591 |
| Assets per employee ($millions) | 3.8312% | 4,232 |
| Cash dividends to net income (ytd only)* | 329.0323% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2152% | 1,923 |
| Loan loss allowance to noncurrent loans | 234.2857% | 1,277 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 6,011 |
| Noncurrent loans to loans | 0.9455% | 5,146 |
| Net loans and leases to total assets | 50.3898% | 5,796 |
| Net loans and leases to deposits | 57.2270% | 5,999 |
| Net loans and leases to core deposits | 57.7981% | 6,281 |
| Total domestic deposits to total assets | 88.0525% | 2,346 |
| Equity capital to assets | 11.1958% | 2,504 |
| Core capital (leverage) ratio | 9.7445% | 3,458 |
| Tier 1 risk-based capital ratio | 17.5834% | 2,255 |
| Total risk-based capital ratio | 18.8395% | 2,225 |
| Memoranda: | ||
| Average total assets | $59,869,000 | 6,189 |
| Average earning assets | $56,352,500 | 6,120 |
| Average equity | $6,550,500 | 6,075 |
| Average total loans | $32,063,000 | 6,240 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3072% | 6,782 |
| Cost of funding earning assets | 0.4492% | 7,369 |
| Net interest margin | 3.8580% | 3,698 |
| Noninterest income to average assets | 3.7333% | 181 |
| Noninterest expense to average assets | 5.4589% | 310 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.2450% | 1,306 |
| Return on assets (ROA) | 1.2450% | 1,375 |
| Pretax return on assets | 1.9171% | 590 |
| Return on Equity (ROE) | 11.1667% | 1,535 |
| Retained earnings to average equity (ytd only) | 3.2825% | 3,572 |
| Net charge-offs to loans | 0.0825% | 6,003 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 41.5185% | 560 |
| Efficiency ratio | 74.0088% | 3,397 |
| Assets per employee ($millions) | 4.1513% | 3,478 |
| Cash dividends to net income (ytd only)* | 70.6044% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9008% | 2,563 |
| Loan loss allowance to noncurrent loans | 231.8021% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4545% | 6,145 |
| Noncurrent loans to loans | 0.8200% | 5,412 |
| Net loans and leases to total assets | 54.3697% | 5,588 |
| Net loans and leases to deposits | 61.2601% | 5,928 |
| Net loans and leases to core deposits | 61.8194% | 6,250 |
| Total domestic deposits to total assets | 88.7522% | 1,799 |
| Equity capital to assets | 10.7066% | 2,951 |
| Core capital (leverage) ratio | 10.8299% | 2,289 |
| Tier 1 risk-based capital ratio | 15.9681% | 2,771 |
| Total risk-based capital ratio | 17.2219% | 2,718 |
| Memoranda: | ||
| Average total assets | $58,473,200 | 6,259 |
| Average earning assets | $55,209,600 | 6,165 |
| Average equity | $6,519,400 | 6,193 |
| Average total loans | $32,718,800 | 6,275 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3836% | 6,844 |
| Cost of funding earning assets | 0.4775% | 7,476 |
| Net interest margin | 3.9060% | 3,507 |
| Noninterest income to average assets | 3.1036% | 219 |
| Noninterest expense to average assets | 4.7307% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.3467% | 1,231 |
| Return on assets (ROA) | 1.3467% | 1,311 |
| Pretax return on assets | 2.0698% | 538 |
| Return on Equity (ROE) | 11.9499% | 1,516 |
| Retained earnings to average equity (ytd only) | 1.3780% | 5,255 |
| Net charge-offs to loans | 0.1281% | 5,269 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 28.8081% | 906 |
| Efficiency ratio | 69.5637% | 4,159 |
| Assets per employee ($millions) | 3.8092% | 4,241 |
| Cash dividends to net income (ytd only)* | 88.4683% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0330% | 2,140 |
| Loan loss allowance to noncurrent loans | 225.6055% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5058% | 6,165 |
| Noncurrent loans to loans | 0.9011% | 5,443 |
| Net loans and leases to total assets | 54.9879% | 5,706 |
| Net loans and leases to deposits | 62.8984% | 6,034 |
| Net loans and leases to core deposits | 63.5343% | 6,335 |
| Total domestic deposits to total assets | 87.4234% | 2,307 |
| Equity capital to assets | 11.4880% | 2,539 |
| Core capital (leverage) ratio | 11.4062% | 2,006 |
| Tier 1 risk-based capital ratio | 16.9104% | 2,370 |
| Total risk-based capital ratio | 18.1664% | 2,330 |
| Memoranda: | ||
| Average total assets | $57,524,000 | 6,369 |
| Average earning assets | $54,444,250 | 6,264 |
| Average equity | $6,482,500 | 6,287 |
| Average total loans | $32,270,500 | 6,383 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 6,933 |
| Cost of funding earning assets | 0.5054% | 7,538 |
| Net interest margin | 3.8781% | 3,549 |
| Noninterest income to average assets | 1.7866% | 419 |
| Noninterest expense to average assets | 3.9443% | 1,105 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9887% | 2,243 |
| Return on assets (ROA) | 0.9887% | 2,320 |
| Pretax return on assets | 1.5160% | 1,516 |
| Return on Equity (ROE) | 8.8299% | 2,535 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,729 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2363% | 3,776 |
| Assets per employee ($millions) | 3.5673% | 4,762 |
| Cash dividends to net income (ytd only)* | 100.0000% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1812% | 1,800 |
| Loan loss allowance to noncurrent loans | 229.1946% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 6,079 |
| Noncurrent loans to loans | 0.9517% | 5,402 |
| Net loans and leases to total assets | 57.2416% | 5,528 |
| Net loans and leases to deposits | 66.0172% | 5,802 |
| Net loans and leases to core deposits | 66.7378% | 6,184 |
| Total domestic deposits to total assets | 86.7072% | 2,700 |
| Equity capital to assets | 12.1734% | 1,996 |
| Core capital (leverage) ratio | 11.4551% | 1,937 |
| Tier 1 risk-based capital ratio | 17.5544% | 2,091 |
| Total risk-based capital ratio | 18.8112% | 2,049 |
| Memoranda: | ||
| Average total assets | $57,652,670 | 6,404 |
| Average earning assets | $54,614,670 | 6,301 |
| Average equity | $6,455,330 | 6,314 |
| Average total loans | $32,337,000 | 6,416 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 7,163 |
| Cost of funding earning assets | 0.5305% | 7,627 |
| Net interest margin | 3.7485% | 4,017 |
| Noninterest income to average assets | 1.3797% | 636 |
| Noninterest expense to average assets | 3.7439% | 1,425 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7233% | 3,339 |
| Return on assets (ROA) | 0.7233% | 3,452 |
| Pretax return on assets | 1.1855% | 2,414 |
| Return on Equity (ROE) | 6.7227% | 3,496 |
| Retained earnings to average equity (ytd only) | -11.0177% | 7,016 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9511% | 3,225 |
| Assets per employee ($millions) | 3.7981% | 4,320 |
| Cash dividends to net income (ytd only)* | 263.8889% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1985% | 1,758 |
| Loan loss allowance to noncurrent loans | 388.0682% | 809 |
| Noncurrent assets plus other real estate owned to assets | 0.3089% | 6,703 |
| Noncurrent loans to loans | 0.5665% | 6,167 |
| Net loans and leases to total assets | 53.3324% | 6,112 |
| Net loans and leases to deposits | 60.5705% | 6,406 |
| Net loans and leases to core deposits | 61.1804% | 6,660 |
| Total domestic deposits to total assets | 88.0501% | 2,029 |
| Equity capital to assets | 11.0881% | 2,684 |
| Core capital (leverage) ratio | 9.9166% | 3,266 |
| Tier 1 risk-based capital ratio | 17.1374% | 2,225 |
| Total risk-based capital ratio | 18.3940% | 2,174 |
| Memoranda: | ||
| Average total assets | $59,724,000 | 6,396 |
| Average earning assets | $56,555,500 | 6,299 |
| Average equity | $6,426,000 | 6,375 |
| Average total loans | $32,849,000 | 6,466 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 7,178 |
| Cost of funding earning assets | 0.7149% | 7,668 |
| Net interest margin | 3.9585% | 3,035 |
| Noninterest income to average assets | 3.6257% | 189 |
| Noninterest expense to average assets | 5.2421% | 447 |
| Loan and lease loss provision to assets | 0.0865% | 6,749 |
| Net operating income to assets | 1.3707% | 896 |
| Return on assets (ROA) | 1.3707% | 951 |
| Pretax return on assets | 2.0439% | 377 |
| Return on Equity (ROE) | 12.3936% | 1,075 |
| Retained earnings to average equity (ytd only) | 4.2407% | 2,251 |
| Net charge-offs to loans | 0.0497% | 6,604 |
| Credit loss provision to net charge-offs | 312.5000% | 1,047 |
| Earnings coverage of net charge-offs (x) | 76.9375% | 353 |
| Efficiency ratio | 71.1033% | 4,429 |
| Assets per employee ($millions) | 4.1651% | 3,501 |
| Cash dividends to net income (ytd only)* | 65.7828% | 1,742 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9722% | 2,092 |
| Loan loss allowance to noncurrent loans | 388.0682% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 6,746 |
| Noncurrent loans to loans | 0.5082% | 6,235 |
| Net loans and leases to total assets | 54.3368% | 6,165 |
| Net loans and leases to deposits | 61.1037% | 6,549 |
| Net loans and leases to core deposits | 63.7389% | 7,105 |
| Total domestic deposits to total assets | 88.9255% | 1,514 |
| Equity capital to assets | 10.4598% | 3,227 |
| Core capital (leverage) ratio | 11.0107% | 2,218 |
| Tier 1 risk-based capital ratio | 15.5367% | 2,701 |
| Total risk-based capital ratio | 16.7926% | 2,648 |
| Memoranda: | ||
| Average total assets | $57,781,800 | 6,440 |
| Average earning assets | $54,692,400 | 6,343 |
| Average equity | $6,390,400 | 6,463 |
| Average total loans | $32,200,600 | 6,511 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7725% | 7,165 |
| Cost of funding earning assets | 0.7614% | 7,752 |
| Net interest margin | 4.0111% | 2,761 |
| Noninterest income to average assets | 3.4953% | 184 |
| Noninterest expense to average assets | 5.0781% | 459 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4650% | 890 |
| Return on assets (ROA) | 1.4650% | 944 |
| Pretax return on assets | 2.2140% | 336 |
| Return on Equity (ROE) | 13.0513% | 1,106 |
| Retained earnings to average equity (ytd only) | 2.1192% | 4,146 |
| Net charge-offs to loans | -0.0085% | 7,666 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6382% | 4,663 |
| Assets per employee ($millions) | 3.9127% | 3,907 |
| Cash dividends to net income (ytd only)* | 83.7624% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1160% | 1,571 |
| Loan loss allowance to noncurrent loans | 322.2772% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.3442% | 6,623 |
| Noncurrent loans to loans | 0.6566% | 5,988 |
| Net loans and leases to total assets | 51.3111% | 6,675 |
| Net loans and leases to deposits | 58.3850% | 6,942 |
| Net loans and leases to core deposits | 61.2131% | 7,355 |
| Total domestic deposits to total assets | 87.8840% | 1,709 |
| Equity capital to assets | 10.9216% | 3,091 |
| Core capital (leverage) ratio | 11.1609% | 2,295 |
| Tier 1 risk-based capital ratio | 15.9198% | 2,660 |
| Total risk-based capital ratio | 17.1749% | 2,593 |
| Memoranda: | ||
| Average total assets | $56,608,000 | 6,518 |
| Average earning assets | $53,583,000 | 6,440 |
| Average equity | $6,354,250 | 6,539 |
| Average total loans | $31,593,000 | 6,588 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9526% | 6,913 |
| Cost of funding earning assets | 0.8159% | 7,801 |
| Net interest margin | 4.1367% | 2,210 |
| Noninterest income to average assets | 1.5810% | 601 |
| Noninterest expense to average assets | 3.7164% | 1,803 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1697% | 1,564 |
| Return on assets (ROA) | 1.1697% | 1,641 |
| Pretax return on assets | 1.7634% | 910 |
| Return on Equity (ROE) | 10.3225% | 1,909 |
| Retained earnings to average equity (ytd only) | 0.7892% | 4,873 |
| Net charge-offs to loans | -0.0063% | 7,552 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8198% | 5,188 |
| Assets per employee ($millions) | 3.6117% | 4,544 |
| Cash dividends to net income (ytd only)* | 92.3547% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1046% | 1,386 |
| Loan loss allowance to noncurrent loans | 335.0515% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 6,561 |
| Noncurrent loans to loans | 0.6282% | 5,991 |
| Net loans and leases to total assets | 55.8070% | 6,223 |
| Net loans and leases to deposits | 64.0388% | 6,560 |
| Net loans and leases to core deposits | 67.4249% | 7,149 |
| Total domestic deposits to total assets | 87.1456% | 2,171 |
| Equity capital to assets | 11.7358% | 2,360 |
| Core capital (leverage) ratio | 10.8623% | 2,520 |
| Tier 1 risk-based capital ratio | 15.8010% | 2,692 |
| Total risk-based capital ratio | 17.0571% | 2,630 |
| Memoranda: | ||
| Average total assets | $55,913,670 | 6,597 |
| Average earning assets | $52,699,330 | 6,521 |
| Average equity | $6,335,670 | 6,596 |
| Average total loans | $31,868,670 | 6,618 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0681% | 6,743 |
| Cost of funding earning assets | 0.8646% | 7,851 |
| Net interest margin | 4.2036% | 1,884 |
| Noninterest income to average assets | 1.6484% | 504 |
| Noninterest expense to average assets | 3.7476% | 1,570 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3455% | 1,276 |
| Return on assets (ROA) | 1.3455% | 1,368 |
| Pretax return on assets | 1.8738% | 851 |
| Return on Equity (ROE) | 12.0800% | 1,638 |
| Retained earnings to average equity (ytd only) | -6.9571% | 6,788 |
| Net charge-offs to loans | -0.0124% | 7,322 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 5,200 |
| Assets per employee ($millions) | 3.8392% | 3,997 |
| Cash dividends to net income (ytd only)* | 157.5916% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1015% | 1,236 |
| Loan loss allowance to noncurrent loans | 312.5000% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 6,423 |
| Noncurrent loans to loans | 0.6725% | 5,726 |
| Net loans and leases to total assets | 52.5821% | 6,624 |
| Net loans and leases to deposits | 59.7105% | 6,917 |
| Net loans and leases to core deposits | 62.7638% | 7,362 |
| Total domestic deposits to total assets | 88.0617% | 1,723 |
| Equity capital to assets | 10.8165% | 3,164 |
| Core capital (leverage) ratio | 10.1970% | 3,199 |
| Tier 1 risk-based capital ratio | 15.1287% | 2,998 |
| Total risk-based capital ratio | 16.3837% | 2,945 |
| Memoranda: | ||
| Average total assets | $56,782,500 | 6,588 |
| Average earning assets | $53,668,500 | 6,518 |
| Average equity | $6,324,500 | 6,653 |
| Average total loans | $32,361,000 | 6,624 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4409% | 7,410 |
| Cost of funding earning assets | 1.3760% | 7,767 |
| Net interest margin | 4.0649% | 2,850 |
| Noninterest income to average assets | 4.6332% | 137 |
| Noninterest expense to average assets | 5.8289% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6762% | 707 |
| Return on assets (ROA) | 1.6762% | 680 |
| Pretax return on assets | 2.6040% | 157 |
| Return on Equity (ROE) | 15.0790% | 912 |
| Retained earnings to average equity (ytd only) | 5.6858% | 1,672 |
| Net charge-offs to loans | -0.0106% | 7,859 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1212% | 4,502 |
| Assets per employee ($millions) | 3.7318% | 4,099 |
| Cash dividends to net income (ytd only)* | 62.2933% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9206% | 1,374 |
| Loan loss allowance to noncurrent loans | 332.8205% | 1,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 5,767 |
| Noncurrent loans to loans | 0.5771% | 5,635 |
| Net loans and leases to total assets | 59.2065% | 6,024 |
| Net loans and leases to deposits | 67.9056% | 6,473 |
| Net loans and leases to core deposits | 72.3514% | 7,057 |
| Total domestic deposits to total assets | 87.1894% | 1,845 |
| Equity capital to assets | 11.4690% | 2,656 |
| Core capital (leverage) ratio | 11.1141% | 2,499 |
| Tier 1 risk-based capital ratio | 15.4691% | 2,854 |
| Total risk-based capital ratio | 16.7243% | 2,790 |
| Memoranda: | ||
| Average total assets | $54,110,000 | 6,616 |
| Average earning assets | $50,579,800 | 6,570 |
| Average equity | $6,015,000 | 6,795 |
| Average total loans | $28,395,400 | 6,808 |