Home > Sibley State Bank > Performance and Condition Ratios
Sibley State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3268% | 3,399 |
| Cost of funding earning assets | 0.9358% | 3,447 |
| Net interest margin | 3.3910% | 2,419 |
| Noninterest income to average assets | 0.3700% | 2,675 |
| Noninterest expense to average assets | 1.7985% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3156% | 1,402 |
| Return on assets (ROA) | 1.3390% | 1,320 |
| Pretax return on assets | 1.7462% | 970 |
| Return on Equity (ROE) | 15.3600% | 1,220 |
| Retained earnings to average equity (ytd only) | 0.0454% | 4,031 |
| Net charge-offs to loans | 0.0047% | 2,546 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 579.0000% | 255 |
| Efficiency ratio | 51.1667% | 3,897 |
| Assets per employee ($millions) | 9.1827% | 926 |
| Cash dividends to net income (ytd only)* | 99.7048% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1154% | 2,758 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 65.3000% | 2,333 |
| Net loans and leases to deposits | 73.5422% | 2,650 |
| Net loans and leases to core deposits | 80.7374% | 2,666 |
| Total domestic deposits to total assets | 88.7900% | 1,125 |
| Equity capital to assets | 8.8615% | 2,777 |
| Core capital (leverage) ratio | 10.5398% | 2,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1576% | 1,493 |
| Memoranda: | ||
| Average total assets | $101,192,800 | 3,827 |
| Average earning assets | $93,717,800 | 3,801 |
| Average equity | $8,819,400 | 3,840 |
| Average total loans | $63,312,200 | 3,659 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 3,403 |
| Cost of funding earning assets | 0.8060% | 3,499 |
| Net interest margin | 3.4329% | 2,386 |
| Noninterest income to average assets | 0.3800% | 2,609 |
| Noninterest expense to average assets | 1.7476% | 4,056 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3873% | 1,350 |
| Return on assets (ROA) | 1.4039% | 1,300 |
| Pretax return on assets | 1.8332% | 958 |
| Return on Equity (ROE) | 16.1800% | 1,223 |
| Retained earnings to average equity (ytd only) | -0.5159% | 4,214 |
| Net charge-offs to loans | 0.0064% | 2,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 458.6667% | 327 |
| Efficiency ratio | 49.0936% | 3,978 |
| Assets per employee ($millions) | 9.1706% | 879 |
| Cash dividends to net income (ytd only)* | 103.1895% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 2,649 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 63.6700% | 2,480 |
| Net loans and leases to deposits | 70.5606% | 2,803 |
| Net loans and leases to core deposits | 76.4275% | 2,837 |
| Total domestic deposits to total assets | 90.2400% | 878 |
| Equity capital to assets | 8.1039% | 2,981 |
| Core capital (leverage) ratio | 10.3736% | 2,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4097% | 1,445 |
| Memoranda: | ||
| Average total assets | $101,238,500 | 3,835 |
| Average earning assets | $93,797,250 | 3,819 |
| Average equity | $8,786,500 | 3,848 |
| Average total loans | $62,464,250 | 3,678 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 3,441 |
| Cost of funding earning assets | 0.6750% | 3,553 |
| Net interest margin | 3.4500% | 2,390 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 1.7403% | 4,097 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.3976% | 1,341 |
| Return on assets (ROA) | 1.4148% | 1,275 |
| Pretax return on assets | 1.8469% | 942 |
| Return on Equity (ROE) | 15.9500% | 1,274 |
| Retained earnings to average equity (ytd only) | 15.9505% | 477 |
| Net charge-offs to loans | 0.0097% | 1,839 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 308.3333% | 438 |
| Efficiency ratio | 48.8102% | 4,009 |
| Assets per employee ($millions) | 9.1138% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1995% | 2,445 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 61.1300% | 2,655 |
| Net loans and leases to deposits | 68.4666% | 2,899 |
| Net loans and leases to core deposits | 73.8272% | 2,902 |
| Total domestic deposits to total assets | 89.2800% | 1,146 |
| Equity capital to assets | 9.1659% | 2,398 |
| Core capital (leverage) ratio | 11.1137% | 1,847 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1482% | 1,094 |
| Memoranda: | ||
| Average total assets | $101,359,000 | 3,851 |
| Average earning assets | $93,623,667 | 3,836 |
| Average equity | $8,990,333 | 3,848 |
| Average total loans | $61,627,000 | 3,697 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9892% | 3,474 |
| Cost of funding earning assets | 0.5174% | 3,633 |
| Net interest margin | 3.4718% | 2,448 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 1.7387% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3913% | 1,432 |
| Return on assets (ROA) | 1.4130% | 1,344 |
| Pretax return on assets | 1.8447% | 994 |
| Return on Equity (ROE) | 16.2000% | 1,315 |
| Retained earnings to average equity (ytd only) | 16.1962% | 672 |
| Net charge-offs to loans | 0.0065% | 1,708 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 463.0000% | 248 |
| Efficiency ratio | 48.8962% | 4,036 |
| Assets per employee ($millions) | 10.3977% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1913% | 2,598 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 59.5100% | 2,712 |
| Net loans and leases to deposits | 66.7055% | 2,872 |
| Net loans and leases to core deposits | 69.6034% | 2,981 |
| Total domestic deposits to total assets | 89.2100% | 1,466 |
| Equity capital to assets | 8.8010% | 2,661 |
| Core capital (leverage) ratio | 10.6424% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4440% | 1,278 |
| Memoranda: | ||
| Average total assets | $101,912,500 | 3,892 |
| Average earning assets | $93,552,500 | 3,885 |
| Average equity | $8,891,000 | 3,906 |
| Average total loans | $61,428,000 | 3,740 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0376% | 4,089 |
| Cost of funding earning assets | 0.2530% | 3,296 |
| Net interest margin | 2.7846% | 3,923 |
| Noninterest income to average assets | 0.3700% | 2,879 |
| Noninterest expense to average assets | 1.6373% | 4,266 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9726% | 2,664 |
| Return on assets (ROA) | 0.9686% | 2,627 |
| Pretax return on assets | 1.2726% | 2,191 |
| Return on Equity (ROE) | 10.2000% | 2,750 |
| Retained earnings to average equity (ytd only) | -0.2615% | 4,384 |
| Net charge-offs to loans | 0.0451% | 1,235 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 47.6296% | 1,393 |
| Efficiency ratio | 56.1691% | 3,566 |
| Assets per employee ($millions) | 9.0771% | 893 |
| Cash dividends to net income (ytd only)* | 102.5641% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2402% | 2,194 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 59.5800% | 2,680 |
| Net loans and leases to deposits | 66.3895% | 2,868 |
| Net loans and leases to core deposits | 71.1516% | 2,789 |
| Total domestic deposits to total assets | 89.7400% | 1,472 |
| Equity capital to assets | 8.6441% | 2,601 |
| Core capital (leverage) ratio | 10.9549% | 1,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6226% | 1,206 |
| Memoranda: | ||
| Average total assets | $100,656,400 | 3,922 |
| Average earning assets | $92,078,600 | 3,917 |
| Average equity | $9,561,000 | 3,922 |
| Average total loans | $59,929,000 | 3,728 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8628% | 4,108 |
| Cost of funding earning assets | 0.2187% | 3,052 |
| Net interest margin | 2.6442% | 4,036 |
| Noninterest income to average assets | 0.3700% | 2,924 |
| Noninterest expense to average assets | 1.5665% | 4,343 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9252% | 2,774 |
| Return on assets (ROA) | 0.9148% | 2,786 |
| Pretax return on assets | 1.2003% | 2,366 |
| Return on Equity (ROE) | 9.4200% | 2,902 |
| Retained earnings to average equity (ytd only) | 0.5718% | 4,266 |
| Net charge-offs to loans | 0.0601% | 882 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,458 |
| Efficiency ratio | 56.3481% | 3,591 |
| Assets per employee ($millions) | 8.9875% | 894 |
| Cash dividends to net income (ytd only)* | 93.9306% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 2,253 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 59.6200% | 2,548 |
| Net loans and leases to deposits | 67.1494% | 2,620 |
| Net loans and leases to core deposits | 71.8295% | 2,495 |
| Total domestic deposits to total assets | 88.7800% | 2,172 |
| Equity capital to assets | 8.9133% | 2,270 |
| Core capital (leverage) ratio | 10.6535% | 1,992 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8907% | 1,197 |
| Memoranda: | ||
| Average total assets | $100,858,500 | 3,945 |
| Average earning assets | $92,074,500 | 3,938 |
| Average equity | $9,793,500 | 3,940 |
| Average total loans | $59,852,750 | 3,749 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6869% | 4,160 |
| Cost of funding earning assets | 0.2057% | 2,842 |
| Net interest margin | 2.4812% | 4,116 |
| Noninterest income to average assets | 0.3507% | 3,054 |
| Noninterest expense to average assets | 1.5051% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8390% | 2,824 |
| Return on assets (ROA) | 0.8235% | 2,844 |
| Pretax return on assets | 1.0835% | 2,468 |
| Return on Equity (ROE) | 8.2603% | 2,947 |
| Retained earnings to average equity (ytd only) | 8.2603% | 1,526 |
| Net charge-offs to loans | 0.0868% | 635 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 21.5385% | 1,521 |
| Efficiency ratio | 57.7039% | 3,600 |
| Assets per employee ($millions) | 9.2896% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 2,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 54.9909% | 2,863 |
| Net loans and leases to deposits | 63.1219% | 2,795 |
| Net loans and leases to core deposits | 67.7604% | 2,674 |
| Total domestic deposits to total assets | 87.1186% | 2,896 |
| Equity capital to assets | 9.5630% | 1,969 |
| Core capital (leverage) ratio | 10.9838% | 1,622 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4435% | 928 |
| Memoranda: | ||
| Average total assets | $101,523,667 | 3,972 |
| Average earning assets | $92,374,333 | 3,989 |
| Average equity | $10,120,667 | 3,968 |
| Average total loans | $59,908,333 | 3,784 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6088% | 4,104 |
| Cost of funding earning assets | 0.2134% | 2,620 |
| Net interest margin | 2.3954% | 4,079 |
| Noninterest income to average assets | 0.3479% | 3,012 |
| Noninterest expense to average assets | 1.5258% | 4,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7556% | 2,825 |
| Return on assets (ROA) | 0.7431% | 2,875 |
| Pretax return on assets | 0.9803% | 2,501 |
| Return on Equity (ROE) | 7.3045% | 2,939 |
| Retained earnings to average equity (ytd only) | 7.3045% | 1,793 |
| Net charge-offs to loans | 0.0065% | 1,518 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 252.0000% | 368 |
| Efficiency ratio | 60.5016% | 3,435 |
| Assets per employee ($millions) | 8.5546% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2594% | 2,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 59.0376% | 2,184 |
| Net loans and leases to deposits | 67.8409% | 2,169 |
| Net loans and leases to core deposits | 73.0498% | 2,016 |
| Total domestic deposits to total assets | 87.0235% | 2,918 |
| Equity capital to assets | 9.7794% | 2,065 |
| Core capital (leverage) ratio | 10.6566% | 1,722 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2000% | 1,212 |
| Memoranda: | ||
| Average total assets | $101,192,500 | 3,992 |
| Average earning assets | $91,842,500 | 4,008 |
| Average equity | $10,295,000 | 4,021 |
| Average total loans | $61,392,000 | 3,772 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5378% | 2,548 |
| Cost of funding earning assets | 0.3500% | 1,935 |
| Net interest margin | 3.1879% | 2,634 |
| Noninterest income to average assets | 1.0133% | 979 |
| Noninterest expense to average assets | 1.8211% | 4,104 |
| Loan and lease loss provision to assets | 0.0511% | 2,039 |
| Net operating income to assets | 1.4767% | 1,072 |
| Return on assets (ROA) | 1.4929% | 1,086 |
| Pretax return on assets | 1.9837% | 621 |
| Return on Equity (ROE) | 13.4890% | 1,313 |
| Retained earnings to average equity (ytd only) | 0.5543% | 4,362 |
| Net charge-offs to loans | -0.0755% | 4,495 |
| Credit loss provision to net charge-offs | -111.1111% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4807% | 4,439 |
| Assets per employee ($millions) | 8.3108% | 1,168 |
| Cash dividends to net income (ytd only)* | 95.8904% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 2,562 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 60.7961% | 2,081 |
| Net loans and leases to deposits | 69.0357% | 2,220 |
| Net loans and leases to core deposits | 75.1652% | 1,984 |
| Total domestic deposits to total assets | 88.0648% | 2,012 |
| Equity capital to assets | 10.5796% | 2,107 |
| Core capital (leverage) ratio | 10.9506% | 1,593 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9031% | 1,289 |
| Memoranda: | ||
| Average total assets | $97,796,000 | 4,017 |
| Average earning assets | $86,578,400 | 4,054 |
| Average equity | $10,823,600 | 4,057 |
| Average total loans | $59,638,600 | 3,823 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8572% | 1,895 |
| Cost of funding earning assets | 0.3859% | 1,813 |
| Net interest margin | 3.4713% | 1,954 |
| Noninterest income to average assets | 0.8180% | 1,470 |
| Noninterest expense to average assets | 1.7346% | 4,275 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.5917% | 1,056 |
| Return on assets (ROA) | 1.6058% | 1,061 |
| Pretax return on assets | 2.1333% | 636 |
| Return on Equity (ROE) | 14.3469% | 1,301 |
| Retained earnings to average equity (ytd only) | 6.3900% | 2,656 |
| Net charge-offs to loans | -0.1081% | 4,642 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0534% | 4,539 |
| Assets per employee ($millions) | 8.3213% | 1,121 |
| Cash dividends to net income (ytd only)* | 55.4608% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 2,800 |
| Loan loss allowance to noncurrent loans | 487.9195% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 1.0185% | 642 |
| Noncurrent loans to loans | 0.2539% | 2,914 |
| Net loans and leases to total assets | 58.0356% | 2,493 |
| Net loans and leases to deposits | 66.6084% | 2,576 |
| Net loans and leases to core deposits | 73.7481% | 2,262 |
| Total domestic deposits to total assets | 87.1295% | 2,303 |
| Equity capital to assets | 11.2131% | 1,883 |
| Core capital (leverage) ratio | 11.2519% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4406% | 1,260 |
| Memoranda: | ||
| Average total assets | $97,312,500 | 4,065 |
| Average earning assets | $84,999,000 | 4,120 |
| Average equity | $10,891,750 | 4,105 |
| Average total loans | $59,196,750 | 3,883 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 2,591 |
| Cost of funding earning assets | 0.4075% | 1,823 |
| Net interest margin | 3.2028% | 2,748 |
| Noninterest income to average assets | 1.0512% | 994 |
| Noninterest expense to average assets | 1.7478% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5851% | 1,082 |
| Return on assets (ROA) | 1.6047% | 1,098 |
| Pretax return on assets | 2.1314% | 651 |
| Return on Equity (ROE) | 14.3466% | 1,322 |
| Retained earnings to average equity (ytd only) | 5.0788% | 3,157 |
| Net charge-offs to loans | -0.1651% | 4,757 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3470% | 4,553 |
| Assets per employee ($millions) | 9.0638% | 840 |
| Cash dividends to net income (ytd only)* | 64.5995% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 2,493 |
| Loan loss allowance to noncurrent loans | 110.4704% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6610% | 1,262 |
| Noncurrent loans to loans | 1.1666% | 1,039 |
| Net loans and leases to total assets | 55.9257% | 2,905 |
| Net loans and leases to deposits | 64.3007% | 2,967 |
| Net loans and leases to core deposits | 70.9447% | 2,694 |
| Total domestic deposits to total assets | 86.9752% | 2,334 |
| Equity capital to assets | 11.0068% | 1,962 |
| Core capital (leverage) ratio | 11.2176% | 1,473 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9660% | 1,127 |
| Memoranda: | ||
| Average total assets | $96,464,667 | 4,098 |
| Average earning assets | $84,426,333 | 4,148 |
| Average equity | $10,790,000 | 4,126 |
| Average total loans | $59,369,333 | 3,906 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9074% | 4,244 |
| Cost of funding earning assets | 0.4385% | 1,809 |
| Net interest margin | 2.4689% | 4,342 |
| Noninterest income to average assets | 1.8177% | 435 |
| Noninterest expense to average assets | 1.8472% | 4,115 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6199% | 1,088 |
| Return on assets (ROA) | 1.6532% | 1,064 |
| Pretax return on assets | 2.1972% | 693 |
| Return on Equity (ROE) | 14.6569% | 1,287 |
| Retained earnings to average equity (ytd only) | -4.0381% | 4,658 |
| Net charge-offs to loans | -0.3223% | 4,856 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1538% | 4,463 |
| Assets per employee ($millions) | 8.1957% | 1,103 |
| Cash dividends to net income (ytd only)* | 127.5510% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 2,667 |
| Loan loss allowance to noncurrent loans | 108.4948% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 1,373 |
| Noncurrent loans to loans | 1.1517% | 1,157 |
| Net loans and leases to total assets | 58.5004% | 2,742 |
| Net loans and leases to deposits | 67.1475% | 2,795 |
| Net loans and leases to core deposits | 73.0359% | 2,610 |
| Total domestic deposits to total assets | 87.1223% | 2,268 |
| Equity capital to assets | 10.8025% | 2,007 |
| Core capital (leverage) ratio | 10.9735% | 1,732 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6358% | 1,138 |
| Memoranda: | ||
| Average total assets | $94,846,000 | 4,131 |
| Average earning assets | $83,923,500 | 4,168 |
| Average equity | $10,698,000 | 4,149 |
| Average total loans | $60,810,500 | 3,902 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 3,080 |
| Cost of funding earning assets | 0.6739% | 1,855 |
| Net interest margin | 3.2069% | 3,339 |
| Noninterest income to average assets | 0.2368% | 4,083 |
| Noninterest expense to average assets | 2.0056% | 4,131 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9252% | 2,586 |
| Return on assets (ROA) | 0.9215% | 2,743 |
| Pretax return on assets | 1.2208% | 2,257 |
| Return on Equity (ROE) | 7.4887% | 3,003 |
| Retained earnings to average equity (ytd only) | 6.0522% | 1,772 |
| Net charge-offs to loans | 0.1600% | 1,018 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 10.1961% | 2,480 |
| Efficiency ratio | 62.0715% | 3,120 |
| Assets per employee ($millions) | 7.6120% | 1,214 |
| Cash dividends to net income (ytd only)* | 19.1816% | 3,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 3,590 |
| Loan loss allowance to noncurrent loans | 96.0396% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 1.5316% | 470 |
| Noncurrent loans to loans | 1.1159% | 1,272 |
| Net loans and leases to total assets | 68.6197% | 1,750 |
| Net loans and leases to deposits | 80.1053% | 1,854 |
| Net loans and leases to core deposits | 86.9420% | 1,798 |
| Total domestic deposits to total assets | 85.6619% | 2,505 |
| Equity capital to assets | 11.7928% | 1,684 |
| Core capital (leverage) ratio | 12.2130% | 1,159 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8172% | 1,306 |
| Memoranda: | ||
| Average total assets | $84,864,200 | 4,190 |
| Average earning assets | $79,236,600 | 4,168 |
| Average equity | $10,442,400 | 4,158 |
| Average total loans | $63,731,200 | 3,852 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8090% | 3,540 |
| Cost of funding earning assets | 0.7228% | 1,886 |
| Net interest margin | 3.0862% | 3,768 |
| Noninterest income to average assets | 0.3187% | 3,580 |
| Noninterest expense to average assets | 2.0758% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8046% | 3,070 |
| Return on assets (ROA) | 0.7944% | 3,230 |
| Pretax return on assets | 1.1436% | 2,585 |
| Return on Equity (ROE) | 6.3834% | 3,414 |
| Retained earnings to average equity (ytd only) | 4.4529% | 2,826 |
| Net charge-offs to loans | 0.0815% | 1,488 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 18.5128% | 1,957 |
| Efficiency ratio | 64.2220% | 2,700 |
| Assets per employee ($millions) | 7.1178% | 1,417 |
| Cash dividends to net income (ytd only)* | 30.2419% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 2,985 |
| Loan loss allowance to noncurrent loans | 89.1827% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 2.1858% | 274 |
| Noncurrent loans to loans | 1.2769% | 1,166 |
| Net loans and leases to total assets | 75.4194% | 1,175 |
| Net loans and leases to deposits | 89.7324% | 1,295 |
| Net loans and leases to core deposits | 96.1434% | 1,445 |
| Total domestic deposits to total assets | 84.0493% | 2,806 |
| Equity capital to assets | 12.3178% | 1,503 |
| Core capital (leverage) ratio | 12.1288% | 1,273 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2050% | 1,206 |
| Memoranda: | ||
| Average total assets | $83,244,250 | 4,212 |
| Average earning assets | $78,583,750 | 4,186 |
| Average equity | $10,360,000 | 4,176 |
| Average total loans | $63,824,250 | 3,868 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9356% | 3,513 |
| Cost of funding earning assets | 0.7646% | 2,022 |
| Net interest margin | 3.1710% | 3,742 |
| Noninterest income to average assets | 0.3151% | 3,577 |
| Noninterest expense to average assets | 2.1013% | 4,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8006% | 3,044 |
| Return on assets (ROA) | 0.7853% | 3,203 |
| Pretax return on assets | 1.1997% | 2,366 |
| Return on Equity (ROE) | 6.2874% | 3,408 |
| Retained earnings to average equity (ytd only) | 6.2874% | 1,944 |
| Net charge-offs to loans | 0.1041% | 1,238 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 15.2424% | 1,920 |
| Efficiency ratio | 63.2847% | 2,916 |
| Assets per employee ($millions) | 7.1439% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1438% | 2,809 |
| Loan loss allowance to noncurrent loans | 62.9100% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 2.5943% | 210 |
| Noncurrent loans to loans | 1.8182% | 769 |
| Net loans and leases to total assets | 75.4091% | 1,214 |
| Net loans and leases to deposits | 89.6529% | 1,385 |
| Net loans and leases to core deposits | 98.6028% | 1,364 |
| Total domestic deposits to total assets | 84.1124% | 2,716 |
| Equity capital to assets | 12.2540% | 1,510 |
| Core capital (leverage) ratio | 12.2543% | 1,275 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2454% | 1,195 |
| Memoranda: | ||
| Average total assets | $82,521,333 | 4,221 |
| Average earning assets | $78,209,667 | 4,194 |
| Average equity | $10,306,333 | 4,188 |
| Average total loans | $63,379,000 | 3,889 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2254% | 3,135 |
| Cost of funding earning assets | 0.8222% | 2,265 |
| Net interest margin | 3.4032% | 3,286 |
| Noninterest income to average assets | 0.2175% | 4,250 |
| Noninterest expense to average assets | 2.1849% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9575% | 2,323 |
| Return on assets (ROA) | 0.9145% | 2,581 |
| Pretax return on assets | 1.2111% | 2,154 |
| Return on Equity (ROE) | 7.2499% | 2,851 |
| Retained earnings to average equity (ytd only) | 7.2499% | 1,458 |
| Net charge-offs to loans | 0.0128% | 2,130 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 484 |
| Efficiency ratio | 63.3238% | 3,323 |
| Assets per employee ($millions) | 6.8741% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2958% | 2,169 |
| Loan loss allowance to noncurrent loans | 104.2838% | 3,176 |
| Noncurrent assets plus other real estate owned to assets | 2.1603% | 354 |
| Noncurrent loans to loans | 1.2426% | 1,310 |
| Net loans and leases to total assets | 71.9344% | 1,929 |
| Net loans and leases to deposits | 84.6476% | 2,148 |
| Net loans and leases to core deposits | 95.6078% | 1,833 |
| Total domestic deposits to total assets | 84.9810% | 2,418 |
| Equity capital to assets | 12.5023% | 1,729 |
| Core capital (leverage) ratio | 12.6200% | 1,383 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $80,918,500 | 4,255 |
| Average earning assets | $76,869,000 | 4,216 |
| Average equity | $10,207,000 | 4,216 |
| Average total loans | $62,371,500 | 3,914 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4502% | 3,116 |
| Cost of funding earning assets | 0.8827% | 2,271 |
| Net interest margin | 3.5676% | 3,235 |
| Noninterest income to average assets | 0.4899% | 2,796 |
| Noninterest expense to average assets | 2.1500% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2884% | 1,736 |
| Return on assets (ROA) | 1.2982% | 1,767 |
| Pretax return on assets | 1.7247% | 1,127 |
| Return on Equity (ROE) | 10.8128% | 1,959 |
| Retained earnings to average equity (ytd only) | 9.2593% | 653 |
| Net charge-offs to loans | 0.0207% | 2,999 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 105.9231% | 653 |
| Efficiency ratio | 55.6665% | 4,247 |
| Assets per employee ($millions) | 6.6123% | 1,230 |
| Cash dividends to net income (ytd only)* | 14.3678% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2085% | 2,390 |
| Loan loss allowance to noncurrent loans | 62.9331% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 2.8684% | 195 |
| Noncurrent loans to loans | 1.9203% | 681 |
| Net loans and leases to total assets | 80.4620% | 730 |
| Net loans and leases to deposits | 94.7466% | 1,079 |
| Net loans and leases to core deposits | 106.6608% | 1,071 |
| Total domestic deposits to total assets | 84.9234% | 2,522 |
| Equity capital to assets | 12.7300% | 1,689 |
| Core capital (leverage) ratio | 12.7501% | 1,352 |
| Tier 1 risk-based capital ratio | 14.9182% | 2,812 |
| Total risk-based capital ratio | 16.0738% | 2,784 |
| Memoranda: | ||
| Average total assets | $80,419,200 | 4,278 |
| Average earning assets | $76,018,400 | 4,252 |
| Average equity | $9,655,200 | 4,290 |
| Average total loans | $62,847,400 | 3,932 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 3,029 |
| Cost of funding earning assets | 0.8885% | 2,281 |
| Net interest margin | 3.6206% | 3,194 |
| Noninterest income to average assets | 0.4379% | 3,089 |
| Noninterest expense to average assets | 2.1482% | 4,277 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2858% | 1,904 |
| Return on assets (ROA) | 1.2988% | 1,951 |
| Pretax return on assets | 1.7268% | 1,259 |
| Return on Equity (ROE) | 10.9807% | 2,023 |
| Retained earnings to average equity (ytd only) | 8.8852% | 1,083 |
| Net charge-offs to loans | 0.0299% | 2,476 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 73.9138% | 912 |
| Efficiency ratio | 55.6745% | 4,197 |
| Assets per employee ($millions) | 6.7208% | 1,148 |
| Cash dividends to net income (ytd only)* | 19.0845% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2878% | 2,024 |
| Loan loss allowance to noncurrent loans | 54.5836% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 3.0552% | 181 |
| Noncurrent loans to loans | 2.3593% | 518 |
| Net loans and leases to total assets | 74.1339% | 1,792 |
| Net loans and leases to deposits | 86.8080% | 2,090 |
| Net loans and leases to core deposits | 97.7903% | 1,841 |
| Total domestic deposits to total assets | 85.3999% | 2,257 |
| Equity capital to assets | 12.2133% | 2,103 |
| Core capital (leverage) ratio | 12.3513% | 1,656 |
| Tier 1 risk-based capital ratio | 15.0974% | 2,801 |
| Total risk-based capital ratio | 16.2963% | 2,754 |
| Memoranda: | ||
| Average total assets | $80,687,000 | 4,329 |
| Average earning assets | $76,228,000 | 4,295 |
| Average equity | $9,543,750 | 4,348 |
| Average total loans | $62,402,750 | 3,980 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6031% | 2,668 |
| Cost of funding earning assets | 0.8740% | 2,279 |
| Net interest margin | 3.7290% | 2,834 |
| Noninterest income to average assets | 0.4188% | 3,143 |
| Noninterest expense to average assets | 2.2107% | 4,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3082% | 1,739 |
| Return on assets (ROA) | 1.3160% | 1,774 |
| Pretax return on assets | 1.7497% | 1,169 |
| Return on Equity (ROE) | 11.2480% | 1,892 |
| Retained earnings to average equity (ytd only) | 11.2480% | 516 |
| Net charge-offs to loans | 0.0349% | 2,167 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 63.8182% | 951 |
| Efficiency ratio | 55.9598% | 4,248 |
| Assets per employee ($millions) | 7.1918% | 919 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2446% | 2,285 |
| Loan loss allowance to noncurrent loans | 395.4545% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 1.5586% | 702 |
| Noncurrent loans to loans | 0.3147% | 3,410 |
| Net loans and leases to total assets | 78.5375% | 1,118 |
| Net loans and leases to deposits | 91.9315% | 1,493 |
| Net loans and leases to core deposits | 103.0587% | 1,465 |
| Total domestic deposits to total assets | 85.4304% | 2,293 |
| Equity capital to assets | 12.3107% | 1,978 |
| Core capital (leverage) ratio | 12.2546% | 1,672 |
| Tier 1 risk-based capital ratio | 14.8446% | 2,899 |
| Total risk-based capital ratio | 16.0406% | 2,848 |
| Memoranda: | ||
| Average total assets | $80,699,330 | 4,362 |
| Average earning assets | $76,427,000 | 4,320 |
| Average equity | $9,441,670 | 4,377 |
| Average total loans | $63,014,000 | 3,995 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 2,992 |
| Cost of funding earning assets | 0.8357% | 2,349 |
| Net interest margin | 3.6283% | 3,144 |
| Noninterest income to average assets | 0.4368% | 2,932 |
| Noninterest expense to average assets | 2.1155% | 4,438 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3206% | 1,624 |
| Return on assets (ROA) | 1.3400% | 1,599 |
| Pretax return on assets | 1.7768% | 1,029 |
| Return on Equity (ROE) | 11.7508% | 1,633 |
| Retained earnings to average equity (ytd only) | 11.7508% | 664 |
| Net charge-offs to loans | -0.0127% | 4,320 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6954% | 4,469 |
| Assets per employee ($millions) | 7.5293% | 806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2784% | 2,189 |
| Loan loss allowance to noncurrent loans | 365.1376% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 1.5141% | 787 |
| Noncurrent loans to loans | 0.3501% | 3,328 |
| Net loans and leases to total assets | 74.2170% | 1,764 |
| Net loans and leases to deposits | 87.7638% | 1,905 |
| Net loans and leases to core deposits | 97.1227% | 1,847 |
| Total domestic deposits to total assets | 84.5645% | 2,830 |
| Equity capital to assets | 11.4052% | 2,484 |
| Core capital (leverage) ratio | 11.5784% | 2,083 |
| Tier 1 risk-based capital ratio | 14.4985% | 3,101 |
| Total risk-based capital ratio | 15.7185% | 3,040 |
| Memoranda: | ||
| Average total assets | $81,494,000 | 4,396 |
| Average earning assets | $77,061,500 | 4,356 |
| Average equity | $9,293,000 | 4,423 |
| Average total loans | $63,064,000 | 4,027 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 3,196 |
| Cost of funding earning assets | 0.5997% | 2,722 |
| Net interest margin | 3.6752% | 3,138 |
| Noninterest income to average assets | 0.4771% | 2,959 |
| Noninterest expense to average assets | 2.4454% | 3,755 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1315% | 2,464 |
| Return on assets (ROA) | 1.1235% | 2,502 |
| Pretax return on assets | 1.4835% | 1,833 |
| Return on Equity (ROE) | 10.0430% | 2,499 |
| Retained earnings to average equity (ytd only) | 8.3369% | 1,104 |
| Net charge-offs to loans | -0.0241% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0801% | 3,506 |
| Assets per employee ($millions) | 7.2878% | 872 |
| Cash dividends to net income (ytd only)* | 16.9875% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2433% | 2,333 |
| Loan loss allowance to noncurrent loans | 1,017.9487% | 604 |
| Noncurrent assets plus other real estate owned to assets | 1.4383% | 826 |
| Noncurrent loans to loans | 0.1221% | 4,182 |
| Net loans and leases to total assets | 78.6743% | 1,152 |
| Net loans and leases to deposits | 91.9294% | 1,564 |
| Net loans and leases to core deposits | 102.0303% | 1,575 |
| Total domestic deposits to total assets | 85.5812% | 2,402 |
| Equity capital to assets | 11.4013% | 2,328 |
| Core capital (leverage) ratio | 11.5433% | 2,069 |
| Tier 1 risk-based capital ratio | 13.8315% | 3,370 |
| Total risk-based capital ratio | 15.0269% | 3,329 |
| Memoranda: | ||
| Average total assets | $78,596,600 | 4,448 |
| Average earning assets | $74,037,400 | 4,421 |
| Average equity | $8,792,200 | 4,485 |
| Average total loans | $62,128,200 | 4,042 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 3,298 |
| Cost of funding earning assets | 0.5369% | 2,952 |
| Net interest margin | 3.6700% | 3,122 |
| Noninterest income to average assets | 0.4654% | 3,067 |
| Noninterest expense to average assets | 2.6187% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9939% | 3,107 |
| Return on assets (ROA) | 0.9939% | 3,122 |
| Pretax return on assets | 1.3077% | 2,594 |
| Return on Equity (ROE) | 8.9292% | 3,121 |
| Retained earnings to average equity (ytd only) | 6.6319% | 2,317 |
| Net charge-offs to loans | -0.0303% | 4,755 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6956% | 2,763 |
| Assets per employee ($millions) | 6.9158% | 966 |
| Cash dividends to net income (ytd only)* | 25.7298% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 2,254 |
| Loan loss allowance to noncurrent loans | 2,558.0645% | 280 |
| Noncurrent assets plus other real estate owned to assets | 1.4538% | 899 |
| Noncurrent loans to loans | 0.0497% | 4,673 |
| Net loans and leases to total assets | 81.0145% | 866 |
| Net loans and leases to deposits | 94.3784% | 1,339 |
| Net loans and leases to core deposits | 102.2378% | 1,592 |
| Total domestic deposits to total assets | 85.8401% | 2,265 |
| Equity capital to assets | 11.5703% | 2,210 |
| Core capital (leverage) ratio | 11.6884% | 2,016 |
| Tier 1 risk-based capital ratio | 13.7578% | 3,483 |
| Total risk-based capital ratio | 14.9855% | 3,415 |
| Memoranda: | ||
| Average total assets | $78,204,250 | 4,505 |
| Average earning assets | $73,750,250 | 4,471 |
| Average equity | $8,705,250 | 4,543 |
| Average total loans | $61,694,250 | 4,091 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 3,395 |
| Cost of funding earning assets | 0.5054% | 2,973 |
| Net interest margin | 3.6101% | 3,274 |
| Noninterest income to average assets | 0.4385% | 3,230 |
| Noninterest expense to average assets | 2.5775% | 3,388 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9529% | 3,220 |
| Return on assets (ROA) | 0.9529% | 3,229 |
| Pretax return on assets | 1.2647% | 2,649 |
| Return on Equity (ROE) | 8.6706% | 3,188 |
| Retained earnings to average equity (ytd only) | 8.6706% | 1,331 |
| Net charge-offs to loans | -0.0488% | 4,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0844% | 2,804 |
| Assets per employee ($millions) | 6.3428% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3082% | 2,129 |
| Loan loss allowance to noncurrent loans | 2,481.2500% | 284 |
| Noncurrent assets plus other real estate owned to assets | 1.4544% | 926 |
| Noncurrent loans to loans | 0.0527% | 4,677 |
| Net loans and leases to total assets | 78.6964% | 1,206 |
| Net loans and leases to deposits | 91.9853% | 1,582 |
| Net loans and leases to core deposits | 100.8520% | 1,662 |
| Total domestic deposits to total assets | 85.5532% | 2,473 |
| Equity capital to assets | 11.7179% | 2,046 |
| Core capital (leverage) ratio | 11.4628% | 2,100 |
| Tier 1 risk-based capital ratio | 14.0027% | 3,359 |
| Total risk-based capital ratio | 15.2533% | 3,279 |
| Memoranda: | ||
| Average total assets | $78,914,330 | 4,535 |
| Average earning assets | $74,403,330 | 4,497 |
| Average equity | $8,673,000 | 4,586 |
| Average total loans | $61,451,000 | 4,126 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9865% | 3,657 |
| Cost of funding earning assets | 0.4706% | 3,033 |
| Net interest margin | 3.5159% | 3,479 |
| Noninterest income to average assets | 0.3885% | 3,547 |
| Noninterest expense to average assets | 2.7293% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7321% | 3,978 |
| Return on assets (ROA) | 0.7321% | 3,983 |
| Pretax return on assets | 0.9712% | 3,630 |
| Return on Equity (ROE) | 6.8772% | 3,832 |
| Retained earnings to average equity (ytd only) | 6.8772% | 2,334 |
| Net charge-offs to loans | -0.1100% | 5,234 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7550% | 1,928 |
| Assets per employee ($millions) | 6.7194% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3062% | 2,221 |
| Loan loss allowance to noncurrent loans | 4,975.0000% | 164 |
| Noncurrent assets plus other real estate owned to assets | 1.3530% | 1,089 |
| Noncurrent loans to loans | 0.0263% | 4,862 |
| Net loans and leases to total assets | 74.5873% | 1,777 |
| Net loans and leases to deposits | 85.3332% | 2,257 |
| Net loans and leases to core deposits | 94.0836% | 2,128 |
| Total domestic deposits to total assets | 87.4071% | 1,949 |
| Equity capital to assets | 10.7871% | 2,784 |
| Core capital (leverage) ratio | 10.9703% | 2,471 |
| Tier 1 risk-based capital ratio | 13.3618% | 3,740 |
| Total risk-based capital ratio | 14.6026% | 3,657 |
| Memoranda: | ||
| Average total assets | $80,314,500 | 4,563 |
| Average earning assets | $75,655,500 | 4,531 |
| Average equity | $8,550,000 | 4,655 |
| Average total loans | $61,830,000 | 4,157 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1909% | 2,718 |
| Cost of funding earning assets | 0.4308% | 2,952 |
| Net interest margin | 3.7601% | 2,563 |
| Noninterest income to average assets | 0.4308% | 3,430 |
| Noninterest expense to average assets | 2.5619% | 3,574 |
| Loan and lease loss provision to assets | 0.4981% | 264 |
| Net operating income to assets | 0.5618% | 4,183 |
| Return on assets (ROA) | 0.5642% | 4,202 |
| Pretax return on assets | 0.9569% | 3,710 |
| Return on Equity (ROE) | 5.2987% | 4,042 |
| Retained earnings to average equity (ytd only) | 3.5086% | 3,179 |
| Net charge-offs to loans | 0.6252% | 362 |
| Credit loss provision to net charge-offs | 96.7901% | 2,665 |
| Earnings coverage of net charge-offs (x) | 2.8198% | 3,695 |
| Efficiency ratio | 63.8379% | 3,626 |
| Assets per employee ($millions) | 6.1535% | 1,415 |
| Cash dividends to net income (ytd only)* | 33.7838% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 2,519 |
| Loan loss allowance to noncurrent loans | 2,360.6061% | 320 |
| Noncurrent assets plus other real estate owned to assets | 1.3851% | 1,022 |
| Noncurrent loans to loans | 0.0526% | 4,759 |
| Net loans and leases to total assets | 77.4326% | 1,357 |
| Net loans and leases to deposits | 87.9572% | 2,024 |
| Net loans and leases to core deposits | 101.7845% | 1,565 |
| Total domestic deposits to total assets | 88.0344% | 1,481 |
| Equity capital to assets | 10.5030% | 3,167 |
| Core capital (leverage) ratio | 10.7854% | 2,550 |
| Tier 1 risk-based capital ratio | 12.8223% | 4,023 |
| Total risk-based capital ratio | 14.0079% | 3,952 |
| Memoranda: | ||
| Average total assets | $78,691,600 | 4,616 |
| Average earning assets | $74,971,200 | 4,563 |
| Average equity | $8,379,400 | 4,722 |
| Average total loans | $64,781,000 | 4,081 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2376% | 2,484 |
| Cost of funding earning assets | 0.4168% | 3,021 |
| Net interest margin | 3.8208% | 2,315 |
| Noninterest income to average assets | 0.3828% | 3,797 |
| Noninterest expense to average assets | 2.5776% | 3,475 |
| Loan and lease loss provision to assets | 0.2042% | 923 |
| Net operating income to assets | 0.7862% | 3,578 |
| Return on assets (ROA) | 0.7894% | 3,620 |
| Pretax return on assets | 1.2556% | 2,682 |
| Return on Equity (ROE) | 7.3880% | 3,452 |
| Retained earnings to average equity (ytd only) | 7.3880% | 1,497 |
| Net charge-offs to loans | 0.2614% | 828 |
| Credit loss provision to net charge-offs | 93.7500% | 2,406 |
| Earnings coverage of net charge-offs (x) | 6.6798% | 2,956 |
| Efficiency ratio | 63.9241% | 3,562 |
| Assets per employee ($millions) | 5.8881% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,899 |
| Loan loss allowance to noncurrent loans | 50.0639% | 4,533 |
| Noncurrent assets plus other real estate owned to assets | 2.0459% | 621 |
| Noncurrent loans to loans | 2.4106% | 650 |
| Net loans and leases to total assets | 83.8461% | 449 |
| Net loans and leases to deposits | 96.2753% | 1,093 |
| Net loans and leases to core deposits | 110.7086% | 988 |
| Total domestic deposits to total assets | 87.0899% | 1,834 |
| Equity capital to assets | 11.2457% | 2,621 |
| Core capital (leverage) ratio | 11.1976% | 2,281 |
| Tier 1 risk-based capital ratio | 13.1022% | 3,945 |
| Total risk-based capital ratio | 14.2979% | 3,887 |
| Memoranda: | ||
| Average total assets | $78,365,500 | 4,666 |
| Average earning assets | $74,851,000 | 4,611 |
| Average equity | $8,373,750 | 4,772 |
| Average total loans | $65,295,750 | 4,098 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1625% | 2,621 |
| Cost of funding earning assets | 0.4056% | 3,017 |
| Net interest margin | 3.7568% | 2,449 |
| Noninterest income to average assets | 0.3596% | 3,984 |
| Noninterest expense to average assets | 2.4262% | 3,975 |
| Loan and lease loss provision to assets | 0.2533% | 659 |
| Net operating income to assets | 0.7954% | 3,418 |
| Return on assets (ROA) | 0.8003% | 3,461 |
| Pretax return on assets | 1.2764% | 2,476 |
| Return on Equity (ROE) | 7.6184% | 3,237 |
| Retained earnings to average equity (ytd only) | 7.6184% | 1,307 |
| Net charge-offs to loans | 0.4067% | 502 |
| Credit loss provision to net charge-offs | 75.1880% | 2,316 |
| Earnings coverage of net charge-offs (x) | 4.5188% | 2,916 |
| Efficiency ratio | 61.4496% | 4,094 |
| Assets per employee ($millions) | 6.5894% | 1,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1474% | 3,331 |
| Loan loss allowance to noncurrent loans | 42.3549% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 2.2663% | 515 |
| Noncurrent loans to loans | 2.7089% | 518 |
| Net loans and leases to total assets | 82.6995% | 582 |
| Net loans and leases to deposits | 95.3431% | 1,134 |
| Net loans and leases to core deposits | 112.3919% | 882 |
| Total domestic deposits to total assets | 86.7388% | 2,073 |
| Equity capital to assets | 10.7028% | 3,129 |
| Core capital (leverage) ratio | 10.7916% | 2,608 |
| Tier 1 risk-based capital ratio | 12.4952% | 4,305 |
| Total risk-based capital ratio | 13.6185% | 4,265 |
| Memoranda: | ||
| Average total assets | $78,972,330 | 4,684 |
| Average earning assets | $75,435,670 | 4,626 |
| Average equity | $8,295,670 | 4,804 |
| Average total loans | $65,406,330 | 4,117 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1516% | 2,468 |
| Cost of funding earning assets | 0.3934% | 3,064 |
| Net interest margin | 3.7582% | 2,271 |
| Noninterest income to average assets | 0.3548% | 3,998 |
| Noninterest expense to average assets | 2.4885% | 3,842 |
| Loan and lease loss provision to assets | 0.2534% | 584 |
| Net operating income to assets | 0.7505% | 3,474 |
| Return on assets (ROA) | 0.7602% | 3,481 |
| Pretax return on assets | 1.2113% | 2,549 |
| Return on Equity (ROE) | 7.3064% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.3064% | 1,744 |
| Net charge-offs to loans | 0.6827% | 261 |
| Credit loss provision to net charge-offs | 45.0450% | 2,030 |
| Earnings coverage of net charge-offs (x) | 2.5766% | 2,576 |
| Efficiency ratio | 63.1918% | 3,958 |
| Assets per employee ($millions) | 6.0188% | 1,498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1492% | 3,419 |
| Loan loss allowance to noncurrent loans | 44.1425% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 2.1165% | 603 |
| Noncurrent loans to loans | 2.6034% | 584 |
| Net loans and leases to total assets | 80.3614% | 792 |
| Net loans and leases to deposits | 92.1397% | 1,316 |
| Net loans and leases to core deposits | 103.3192% | 1,267 |
| Total domestic deposits to total assets | 87.2169% | 2,104 |
| Equity capital to assets | 10.5951% | 3,072 |
| Core capital (leverage) ratio | 10.4232% | 2,990 |
| Tier 1 risk-based capital ratio | 12.6701% | 4,283 |
| Total risk-based capital ratio | 13.7889% | 4,270 |
| Memoranda: | ||
| Average total assets | $78,922,000 | 4,737 |
| Average earning assets | $75,249,000 | 4,673 |
| Average equity | $8,212,000 | 4,854 |
| Average total loans | $65,033,500 | 4,156 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1480% | 2,667 |
| Cost of funding earning assets | 0.3846% | 3,154 |
| Net interest margin | 3.7634% | 2,455 |
| Noninterest income to average assets | 0.3932% | 3,943 |
| Noninterest expense to average assets | 2.3843% | 4,335 |
| Loan and lease loss provision to assets | 0.0249% | 3,859 |
| Net operating income to assets | 0.9918% | 2,386 |
| Return on assets (ROA) | 1.0030% | 2,444 |
| Pretax return on assets | 1.5941% | 1,305 |
| Return on Equity (ROE) | 10.0947% | 1,918 |
| Retained earnings to average equity (ytd only) | 5.5859% | 1,962 |
| Net charge-offs to loans | 0.0988% | 2,296 |
| Credit loss provision to net charge-offs | 29.4118% | 3,597 |
| Earnings coverage of net charge-offs (x) | 18.9265% | 1,939 |
| Efficiency ratio | 59.8189% | 4,611 |
| Assets per employee ($millions) | 6.1231% | 1,392 |
| Cash dividends to net income (ytd only)* | 44.6650% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1917% | 3,169 |
| Loan loss allowance to noncurrent loans | 32.0648% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 3.1030% | 311 |
| Noncurrent loans to loans | 3.7166% | 307 |
| Net loans and leases to total assets | 82.4950% | 539 |
| Net loans and leases to deposits | 93.8046% | 1,214 |
| Net loans and leases to core deposits | 109.4014% | 938 |
| Total domestic deposits to total assets | 87.9435% | 1,655 |
| Equity capital to assets | 10.2186% | 3,472 |
| Core capital (leverage) ratio | 10.2916% | 3,117 |
| Tier 1 risk-based capital ratio | 11.9358% | 4,774 |
| Total risk-based capital ratio | 13.0990% | 4,725 |
| Memoranda: | ||
| Average total assets | $80,359,400 | 4,729 |
| Average earning assets | $76,712,400 | 4,655 |
| Average equity | $7,984,400 | 4,937 |
| Average total loans | $68,793,400 | 4,072 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0776% | 2,957 |
| Cost of funding earning assets | 0.3775% | 3,255 |
| Net interest margin | 3.7002% | 2,718 |
| Noninterest income to average assets | 0.3923% | 3,977 |
| Noninterest expense to average assets | 2.4299% | 4,196 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9436% | 2,685 |
| Return on assets (ROA) | 0.9584% | 2,757 |
| Pretax return on assets | 1.5228% | 1,641 |
| Return on Equity (ROE) | 9.7141% | 2,180 |
| Retained earnings to average equity (ytd only) | 3.6742% | 3,691 |
| Net charge-offs to loans | 0.0134% | 3,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 129.4716% | 530 |
| Efficiency ratio | 61.8366% | 4,260 |
| Assets per employee ($millions) | 5.9821% | 1,446 |
| Cash dividends to net income (ytd only)* | 62.1765% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 2,958 |
| Loan loss allowance to noncurrent loans | 39.4787% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 2.7132% | 474 |
| Noncurrent loans to loans | 3.1670% | 453 |
| Net loans and leases to total assets | 84.6002% | 358 |
| Net loans and leases to deposits | 96.1829% | 1,033 |
| Net loans and leases to core deposits | 112.2637% | 794 |
| Total domestic deposits to total assets | 87.9576% | 1,422 |
| Equity capital to assets | 10.2408% | 3,865 |
| Core capital (leverage) ratio | 10.1207% | 3,413 |
| Tier 1 risk-based capital ratio | 11.5529% | 5,052 |
| Total risk-based capital ratio | 12.7711% | 4,986 |
| Memoranda: | ||
| Average total assets | $80,549,250 | 4,765 |
| Average earning assets | $77,003,500 | 4,686 |
| Average equity | $7,947,000 | 4,991 |
| Average total loans | $69,377,250 | 4,091 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0712% | 2,990 |
| Cost of funding earning assets | 0.3610% | 3,440 |
| Net interest margin | 3.7102% | 2,654 |
| Noninterest income to average assets | 0.3854% | 3,985 |
| Noninterest expense to average assets | 2.4154% | 4,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9599% | 2,581 |
| Return on assets (ROA) | 0.9819% | 2,606 |
| Pretax return on assets | 1.5612% | 1,488 |
| Return on Equity (ROE) | 10.0739% | 2,014 |
| Retained earnings to average equity (ytd only) | 10.0739% | 581 |
| Net charge-offs to loans | 0.0171% | 3,171 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 103.6667% | 556 |
| Efficiency ratio | 61.2702% | 4,469 |
| Assets per employee ($millions) | 6.0226% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 3,161 |
| Loan loss allowance to noncurrent loans | 1,127.0270% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 5,139 |
| Noncurrent loans to loans | 0.1095% | 5,011 |
| Net loans and leases to total assets | 85.2211% | 313 |
| Net loans and leases to deposits | 98.0197% | 890 |
| Net loans and leases to core deposits | 118.6440% | 553 |
| Total domestic deposits to total assets | 86.9428% | 1,944 |
| Equity capital to assets | 10.4248% | 3,712 |
| Core capital (leverage) ratio | 10.1064% | 3,439 |
| Tier 1 risk-based capital ratio | 11.7281% | 5,016 |
| Total risk-based capital ratio | 12.9385% | 4,935 |
| Memoranda: | ||
| Average total assets | $81,476,670 | 4,782 |
| Average earning assets | $78,109,330 | 4,699 |
| Average equity | $7,941,330 | 5,035 |
| Average total loans | $70,295,000 | 4,090 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,029 |
| Cost of funding earning assets | 0.3317% | 3,820 |
| Net interest margin | 3.7196% | 2,592 |
| Noninterest income to average assets | 0.3563% | 4,177 |
| Noninterest expense to average assets | 2.3403% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9970% | 2,293 |
| Return on assets (ROA) | 1.0401% | 2,240 |
| Pretax return on assets | 1.6468% | 1,187 |
| Return on Equity (ROE) | 11.0331% | 1,589 |
| Retained earnings to average equity (ytd only) | 11.0331% | 646 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7052% | 4,786 |
| Assets per employee ($millions) | 6.8776% | 941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1625% | 3,700 |
| Loan loss allowance to noncurrent loans | 1,354.8387% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 5,280 |
| Noncurrent loans to loans | 0.0858% | 5,132 |
| Net loans and leases to total assets | 86.5323% | 192 |
| Net loans and leases to deposits | 97.8328% | 772 |
| Net loans and leases to core deposits | 123.9388% | 371 |
| Total domestic deposits to total assets | 88.4492% | 1,377 |
| Equity capital to assets | 9.6364% | 4,523 |
| Core capital (leverage) ratio | 9.5641% | 4,087 |
| Tier 1 risk-based capital ratio | 11.0913% | 5,459 |
| Total risk-based capital ratio | 12.2711% | 5,404 |
| Memoranda: | ||
| Average total assets | $83,068,000 | 4,785 |
| Average earning assets | $79,578,000 | 4,716 |
| Average equity | $7,831,000 | 5,086 |
| Average total loans | $71,664,000 | 4,072 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9651% | 3,450 |
| Cost of funding earning assets | 0.2605% | 4,684 |
| Net interest margin | 3.7046% | 2,733 |
| Noninterest income to average assets | 0.3646% | 4,295 |
| Noninterest expense to average assets | 2.2820% | 4,842 |
| Loan and lease loss provision to assets | 0.0426% | 3,481 |
| Net operating income to assets | 0.9844% | 2,448 |
| Return on assets (ROA) | 0.9860% | 2,522 |
| Pretax return on assets | 1.5600% | 1,376 |
| Return on Equity (ROE) | 10.7815% | 1,694 |
| Retained earnings to average equity (ytd only) | 2.5239% | 4,274 |
| Net charge-offs to loans | 0.0030% | 4,360 |
| Credit loss provision to net charge-offs | 1,800.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 676.0000% | 96 |
| Efficiency ratio | 58.7805% | 5,054 |
| Assets per employee ($millions) | 6.4312% | 1,129 |
| Cash dividends to net income (ytd only)* | 76.5906% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 3,580 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 84.0045% | 397 |
| Net loans and leases to deposits | 95.9939% | 1,012 |
| Net loans and leases to core deposits | 119.5968% | 485 |
| Total domestic deposits to total assets | 87.5103% | 1,878 |
| Equity capital to assets | 9.2207% | 4,881 |
| Core capital (leverage) ratio | 9.4405% | 4,263 |
| Tier 1 risk-based capital ratio | 10.7631% | 5,642 |
| Total risk-based capital ratio | 11.9402% | 5,597 |
| Memoranda: | ||
| Average total assets | $84,486,800 | 4,780 |
| Average earning assets | $80,225,200 | 4,711 |
| Average equity | $7,726,200 | 5,103 |
| Average total loans | $67,062,600 | 4,168 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9631% | 3,485 |
| Cost of funding earning assets | 0.2540% | 4,832 |
| Net interest margin | 3.7090% | 2,728 |
| Noninterest income to average assets | 0.3636% | 4,328 |
| Noninterest expense to average assets | 2.2933% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0022% | 2,457 |
| Return on assets (ROA) | 1.0042% | 2,542 |
| Pretax return on assets | 1.5898% | 1,416 |
| Return on Equity (ROE) | 11.0038% | 1,713 |
| Retained earnings to average equity (ytd only) | 3.4495% | 4,011 |
| Net charge-offs to loans | 0.0040% | 4,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 503.3596% | 140 |
| Efficiency ratio | 59.1075% | 4,992 |
| Assets per employee ($millions) | 6.0051% | 1,368 |
| Cash dividends to net income (ytd only)* | 68.6522% | 1,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 3,476 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 82.6480% | 509 |
| Net loans and leases to deposits | 93.1831% | 1,286 |
| Net loans and leases to core deposits | 116.9095% | 556 |
| Total domestic deposits to total assets | 88.6942% | 1,179 |
| Equity capital to assets | 9.9377% | 4,242 |
| Core capital (leverage) ratio | 9.7648% | 3,942 |
| Tier 1 risk-based capital ratio | 11.6083% | 5,322 |
| Total risk-based capital ratio | 12.8226% | 5,259 |
| Memoranda: | ||
| Average total assets | $84,707,250 | 4,830 |
| Average earning assets | $80,306,250 | 4,770 |
| Average equity | $7,730,500 | 5,167 |
| Average total loans | $66,060,250 | 4,238 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,318 |
| Cost of funding earning assets | 0.2481% | 4,962 |
| Net interest margin | 3.4812% | 3,574 |
| Noninterest income to average assets | 0.3382% | 4,536 |
| Noninterest expense to average assets | 2.1882% | 5,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9112% | 2,813 |
| Return on assets (ROA) | 0.9112% | 2,942 |
| Pretax return on assets | 1.4427% | 1,829 |
| Return on Equity (ROE) | 10.2573% | 1,953 |
| Retained earnings to average equity (ytd only) | 6.6828% | 1,856 |
| Net charge-offs to loans | 0.0030% | 3,799 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 627.0000% | 103 |
| Efficiency ratio | 60.2662% | 4,941 |
| Assets per employee ($millions) | 6.1872% | 1,221 |
| Cash dividends to net income (ytd only)* | 34.8485% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2214% | 3,664 |
| Loan loss allowance to noncurrent loans | 80,500.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,919 |
| Noncurrent loans to loans | 0.0015% | 5,778 |
| Net loans and leases to total assets | 80.9382% | 679 |
| Net loans and leases to deposits | 97.2077% | 860 |
| Net loans and leases to core deposits | 117.6531% | 538 |
| Total domestic deposits to total assets | 83.2631% | 3,848 |
| Equity capital to assets | 9.7535% | 4,342 |
| Core capital (leverage) ratio | 9.2763% | 4,585 |
| Tier 1 risk-based capital ratio | 11.5134% | 5,455 |
| Total risk-based capital ratio | 12.7102% | 5,411 |
| Memoranda: | ||
| Average total assets | $86,921,000 | 4,837 |
| Average earning assets | $82,212,670 | 4,772 |
| Average equity | $7,721,330 | 5,216 |
| Average total loans | $66,305,670 | 4,262 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5217% | 4,907 |
| Cost of funding earning assets | 0.2438% | 5,086 |
| Net interest margin | 3.2779% | 4,306 |
| Noninterest income to average assets | 0.3150% | 4,672 |
| Noninterest expense to average assets | 2.1560% | 5,257 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7985% | 3,269 |
| Return on assets (ROA) | 0.7985% | 3,393 |
| Pretax return on assets | 1.2599% | 2,425 |
| Return on Equity (ROE) | 9.4001% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.4001% | 1,072 |
| Net charge-offs to loans | 0.0060% | 3,120 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 284.0000% | 201 |
| Efficiency ratio | 63.1169% | 4,612 |
| Assets per employee ($millions) | 6.6585% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 3,765 |
| Loan loss allowance to noncurrent loans | 40,250.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 5,966 |
| Noncurrent loans to loans | 0.0031% | 5,809 |
| Net loans and leases to total assets | 74.3672% | 1,445 |
| Net loans and leases to deposits | 91.3338% | 1,251 |
| Net loans and leases to core deposits | 109.4872% | 772 |
| Total domestic deposits to total assets | 81.4235% | 4,694 |
| Equity capital to assets | 9.0029% | 5,290 |
| Core capital (leverage) ratio | 8.4935% | 5,524 |
| Tier 1 risk-based capital ratio | 11.3116% | 5,656 |
| Total risk-based capital ratio | 12.4389% | 5,632 |
| Memoranda: | ||
| Average total assets | $90,165,000 | 4,806 |
| Average earning assets | $85,299,000 | 4,737 |
| Average equity | $7,659,500 | 5,269 |
| Average total loans | $66,505,500 | 4,286 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5014% | 5,312 |
| Cost of funding earning assets | 0.2644% | 5,172 |
| Net interest margin | 3.2370% | 4,809 |
| Noninterest income to average assets | 0.3394% | 4,682 |
| Noninterest expense to average assets | 2.0418% | 5,688 |
| Loan and lease loss provision to assets | 0.0222% | 4,172 |
| Net operating income to assets | 0.8784% | 2,983 |
| Return on assets (ROA) | 0.8784% | 3,067 |
| Pretax return on assets | 1.3852% | 1,933 |
| Return on Equity (ROE) | 10.7413% | 1,804 |
| Retained earnings to average equity (ytd only) | 5.3164% | 2,396 |
| Net charge-offs to loans | 0.0091% | 4,728 |
| Credit loss provision to net charge-offs | 333.3333% | 786 |
| Earnings coverage of net charge-offs (x) | 211.5000% | 251 |
| Efficiency ratio | 59.1961% | 5,321 |
| Assets per employee ($millions) | 7.2130% | 754 |
| Cash dividends to net income (ytd only)* | 50.5051% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 4,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 71.4810% | 1,999 |
| Net loans and leases to deposits | 99.1421% | 673 |
| Net loans and leases to core deposits | 118.5207% | 446 |
| Total domestic deposits to total assets | 72.0995% | 6,077 |
| Equity capital to assets | 8.0261% | 6,057 |
| Core capital (leverage) ratio | 8.0448% | 5,970 |
| Tier 1 risk-based capital ratio | 10.3376% | 6,167 |
| Total risk-based capital ratio | 11.4507% | 6,153 |
| Memoranda: | ||
| Average total assets | $90,166,400 | 4,834 |
| Average earning assets | $86,622,800 | 4,728 |
| Average equity | $7,373,400 | 5,332 |
| Average total loans | $65,697,400 | 4,311 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 5,398 |
| Cost of funding earning assets | 0.2706% | 5,190 |
| Net interest margin | 3.2252% | 4,876 |
| Noninterest income to average assets | 0.3495% | 4,647 |
| Noninterest expense to average assets | 1.9492% | 5,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9514% | 2,679 |
| Return on assets (ROA) | 0.9514% | 2,761 |
| Pretax return on assets | 1.4981% | 1,653 |
| Return on Equity (ROE) | 11.5785% | 1,599 |
| Retained earnings to average equity (ytd only) | 4.3078% | 3,588 |
| Net charge-offs to loans | 0.0143% | 4,266 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 143.3333% | 431 |
| Efficiency ratio | 56.5425% | 5,608 |
| Assets per employee ($millions) | 7.0705% | 785 |
| Cash dividends to net income (ytd only)* | 62.7945% | 1,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2022% | 4,208 |
| Loan loss allowance to noncurrent loans | 154.5276% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.5527% | 4,200 |
| Noncurrent loans to loans | 0.7780% | 3,638 |
| Net loans and leases to total assets | 70.1858% | 2,167 |
| Net loans and leases to deposits | 98.2621% | 721 |
| Net loans and leases to core deposits | 109.1980% | 784 |
| Total domestic deposits to total assets | 71.4272% | 6,208 |
| Equity capital to assets | 8.0204% | 6,124 |
| Core capital (leverage) ratio | 8.0783% | 6,016 |
| Tier 1 risk-based capital ratio | 10.4469% | 6,222 |
| Total risk-based capital ratio | 11.5655% | 6,227 |
| Memoranda: | ||
| Average total assets | $89,265,750 | 4,908 |
| Average earning assets | $85,739,250 | 4,795 |
| Average equity | $7,335,250 | 5,377 |
| Average total loans | $65,163,500 | 4,365 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5168% | 5,372 |
| Cost of funding earning assets | 0.2780% | 5,216 |
| Net interest margin | 3.2389% | 4,811 |
| Noninterest income to average assets | 0.3462% | 4,663 |
| Noninterest expense to average assets | 1.9755% | 5,868 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9414% | 2,588 |
| Return on assets (ROA) | 0.9414% | 2,694 |
| Pretax return on assets | 1.4822% | 1,592 |
| Return on Equity (ROE) | 11.3615% | 1,613 |
| Retained earnings to average equity (ytd only) | 11.3615% | 489 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1335% | 5,647 |
| Assets per employee ($millions) | 7.5353% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 4,169 |
| Loan loss allowance to noncurrent loans | 1,584.0000% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 6,018 |
| Noncurrent loans to loans | 0.0789% | 5,787 |
| Net loans and leases to total assets | 69.2493% | 2,194 |
| Net loans and leases to deposits | 102.6340% | 415 |
| Net loans and leases to core deposits | 111.9338% | 604 |
| Total domestic deposits to total assets | 67.4721% | 6,440 |
| Equity capital to assets | 8.3628% | 5,903 |
| Core capital (leverage) ratio | 8.6247% | 5,505 |
| Tier 1 risk-based capital ratio | 11.0234% | 6,043 |
| Total risk-based capital ratio | 12.1859% | 6,020 |
| Memoranda: | ||
| Average total assets | $88,382,330 | 4,966 |
| Average earning assets | $84,906,330 | 4,849 |
| Average equity | $7,323,000 | 5,408 |
| Average total loans | $65,119,000 | 4,390 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6102% | 5,143 |
| Cost of funding earning assets | 0.2865% | 5,206 |
| Net interest margin | 3.3236% | 4,447 |
| Noninterest income to average assets | 0.3342% | 4,698 |
| Noninterest expense to average assets | 2.0284% | 5,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9478% | 2,414 |
| Return on assets (ROA) | 0.9478% | 2,485 |
| Pretax return on assets | 1.4926% | 1,447 |
| Return on Equity (ROE) | 11.4944% | 1,546 |
| Retained earnings to average equity (ytd only) | 11.4944% | 675 |
| Net charge-offs to loans | -0.0061% | 4,868 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6073% | 5,687 |
| Assets per employee ($millions) | 6.9477% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2221% | 4,538 |
| Loan loss allowance to noncurrent loans | 3,965.0000% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0240% | 6,224 |
| Noncurrent loans to loans | 0.0308% | 6,061 |
| Net loans and leases to total assets | 76.8795% | 895 |
| Net loans and leases to deposits | 93.3745% | 843 |
| Net loans and leases to core deposits | 103.6180% | 883 |
| Total domestic deposits to total assets | 82.3346% | 4,840 |
| Equity capital to assets | 8.7931% | 5,345 |
| Core capital (leverage) ratio | 8.2628% | 5,882 |
| Tier 1 risk-based capital ratio | 10.7703% | 6,250 |
| Total risk-based capital ratio | 11.9402% | 6,241 |
| Memoranda: | ||
| Average total assets | $87,361,500 | 5,035 |
| Average earning assets | $83,763,500 | 4,923 |
| Average equity | $7,203,500 | 5,467 |
| Average total loans | $65,973,500 | 4,389 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7972% | 4,827 |
| Cost of funding earning assets | 0.3588% | 5,060 |
| Net interest margin | 3.4384% | 4,138 |
| Noninterest income to average assets | 0.4006% | 4,437 |
| Noninterest expense to average assets | 2.0030% | 6,019 |
| Loan and lease loss provision to assets | 0.0527% | 4,083 |
| Net operating income to assets | 1.0390% | 2,162 |
| Return on assets (ROA) | 1.0390% | 2,229 |
| Pretax return on assets | 1.6340% | 1,094 |
| Return on Equity (ROE) | 12.7092% | 1,231 |
| Retained earnings to average equity (ytd only) | 5.5450% | 2,249 |
| Net charge-offs to loans | -0.0031% | 5,883 |
| Credit loss provision to net charge-offs | -2,250.0000% | 6,327 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2857% | 6,112 |
| Assets per employee ($millions) | 7.6126% | 570 |
| Cash dividends to net income (ytd only)* | 56.3698% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 4,749 |
| Loan loss allowance to noncurrent loans | 211.2000% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4105% | 5,024 |
| Noncurrent loans to loans | 0.5592% | 4,590 |
| Net loans and leases to total assets | 72.5400% | 1,591 |
| Net loans and leases to deposits | 105.6217% | 273 |
| Net loans and leases to core deposits | 116.0708% | 415 |
| Total domestic deposits to total assets | 68.6791% | 6,567 |
| Equity capital to assets | 7.7459% | 6,162 |
| Core capital (leverage) ratio | 8.0511% | 6,096 |
| Tier 1 risk-based capital ratio | 9.9708% | 6,523 |
| Total risk-based capital ratio | 11.0839% | 6,516 |
| Memoranda: | ||
| Average total assets | $85,372,800 | 5,103 |
| Average earning assets | $81,664,800 | 4,997 |
| Average equity | $6,979,200 | 5,574 |
| Average total loans | $64,361,600 | 4,473 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8648% | 4,624 |
| Cost of funding earning assets | 0.3793% | 5,008 |
| Net interest margin | 3.4855% | 3,944 |
| Noninterest income to average assets | 0.4053% | 4,489 |
| Noninterest expense to average assets | 2.0553% | 5,913 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0682% | 2,125 |
| Return on assets (ROA) | 1.0682% | 2,210 |
| Pretax return on assets | 1.6802% | 1,144 |
| Return on Equity (ROE) | 12.8825% | 1,266 |
| Retained earnings to average equity (ytd only) | 3.2973% | 4,330 |
| Net charge-offs to loans | -0.0042% | 5,760 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0213% | 6,016 |
| Assets per employee ($millions) | 6.5801% | 902 |
| Cash dividends to net income (ytd only)* | 74.4046% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 4,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 72.8388% | 1,478 |
| Net loans and leases to deposits | 95.4750% | 727 |
| Net loans and leases to core deposits | 103.6360% | 899 |
| Total domestic deposits to total assets | 76.2909% | 6,138 |
| Equity capital to assets | 8.0792% | 6,092 |
| Core capital (leverage) ratio | 8.3810% | 5,877 |
| Tier 1 risk-based capital ratio | 10.6039% | 6,422 |
| Total risk-based capital ratio | 11.7555% | 6,422 |
| Memoranda: | ||
| Average total assets | $83,878,250 | 5,191 |
| Average earning assets | $80,139,750 | 5,087 |
| Average equity | $6,955,000 | 5,651 |
| Average total loans | $63,687,500 | 4,537 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9119% | 4,431 |
| Cost of funding earning assets | 0.3892% | 5,039 |
| Net interest margin | 3.5228% | 3,689 |
| Noninterest income to average assets | 0.4008% | 4,523 |
| Noninterest expense to average assets | 2.0954% | 5,875 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0633% | 2,062 |
| Return on assets (ROA) | 1.0633% | 2,181 |
| Pretax return on assets | 1.6730% | 1,177 |
| Return on Equity (ROE) | 12.7122% | 1,316 |
| Retained earnings to average equity (ytd only) | 12.7122% | 416 |
| Net charge-offs to loans | -0.0063% | 5,675 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6051% | 6,008 |
| Assets per employee ($millions) | 6.3580% | 982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 5,209 |
| Loan loss allowance to noncurrent loans | 2,766.6667% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 6,423 |
| Noncurrent loans to loans | 0.0418% | 6,269 |
| Net loans and leases to total assets | 77.2546% | 834 |
| Net loans and leases to deposits | 102.8510% | 302 |
| Net loans and leases to core deposits | 107.4007% | 662 |
| Total domestic deposits to total assets | 75.1131% | 6,344 |
| Equity capital to assets | 8.6493% | 5,614 |
| Core capital (leverage) ratio | 8.6716% | 5,459 |
| Tier 1 risk-based capital ratio | 10.9275% | 6,366 |
| Total risk-based capital ratio | 12.0693% | 6,377 |
| Memoranda: | ||
| Average total assets | $83,324,000 | 5,239 |
| Average earning assets | $79,653,670 | 5,127 |
| Average equity | $6,969,670 | 5,692 |
| Average total loans | $63,898,670 | 4,542 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8228% | 4,746 |
| Cost of funding earning assets | 0.4003% | 5,096 |
| Net interest margin | 3.4225% | 4,040 |
| Noninterest income to average assets | 0.3825% | 4,599 |
| Noninterest expense to average assets | 2.1086% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9802% | 2,317 |
| Return on assets (ROA) | 0.9802% | 2,447 |
| Pretax return on assets | 1.5444% | 1,441 |
| Return on Equity (ROE) | 11.9186% | 1,444 |
| Retained earnings to average equity (ytd only) | 11.9186% | 708 |
| Net charge-offs to loans | -0.0126% | 5,522 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7225% | 5,885 |
| Assets per employee ($millions) | 6.5452% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1554% | 5,382 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 75.1069% | 950 |
| Net loans and leases to deposits | 93.0924% | 721 |
| Net loans and leases to core deposits | 97.6664% | 1,102 |
| Total domestic deposits to total assets | 80.6800% | 5,575 |
| Equity capital to assets | 8.2009% | 6,248 |
| Core capital (leverage) ratio | 8.5683% | 5,481 |
| Tier 1 risk-based capital ratio | 10.4437% | 6,596 |
| Total risk-based capital ratio | 11.5725% | 6,616 |
| Memoranda: | ||
| Average total assets | $83,659,000 | 5,278 |
| Average earning assets | $79,940,500 | 5,155 |
| Average equity | $6,880,000 | 5,772 |
| Average total loans | $63,547,500 | 4,580 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0745% | 5,041 |
| Cost of funding earning assets | 0.4850% | 5,321 |
| Net interest margin | 3.5895% | 4,129 |
| Noninterest income to average assets | 0.3687% | 4,840 |
| Noninterest expense to average assets | 2.1334% | 6,057 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9913% | 2,376 |
| Return on assets (ROA) | 0.9913% | 2,597 |
| Pretax return on assets | 1.5479% | 1,526 |
| Return on Equity (ROE) | 12.2662% | 1,424 |
| Retained earnings to average equity (ytd only) | 1.5064% | 5,113 |
| Net charge-offs to loans | -0.0016% | 6,321 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9528% | 5,839 |
| Assets per employee ($millions) | 6.3254% | 1,088 |
| Cash dividends to net income (ytd only)* | 87.7193% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1931% | 5,143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 75.0286% | 1,042 |
| Net loans and leases to deposits | 93.7729% | 763 |
| Net loans and leases to core deposits | 99.4535% | 1,055 |
| Total domestic deposits to total assets | 80.0109% | 5,663 |
| Equity capital to assets | 8.2476% | 6,244 |
| Core capital (leverage) ratio | 7.9038% | 6,278 |
| Tier 1 risk-based capital ratio | 10.8038% | 6,424 |
| Total risk-based capital ratio | 12.0039% | 6,416 |
| Memoranda: | ||
| Average total assets | $86,246,400 | 5,180 |
| Average earning assets | $79,592,200 | 5,138 |
| Average equity | $6,970,400 | 5,775 |
| Average total loans | $61,901,600 | 4,640 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1248% | 5,095 |
| Cost of funding earning assets | 0.4950% | 5,466 |
| Net interest margin | 3.6298% | 4,102 |
| Noninterest income to average assets | 0.3499% | 5,014 |
| Noninterest expense to average assets | 2.1806% | 5,994 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9597% | 2,706 |
| Return on assets (ROA) | 0.9597% | 2,921 |
| Pretax return on assets | 1.4976% | 1,887 |
| Return on Equity (ROE) | 11.9317% | 1,659 |
| Retained earnings to average equity (ytd only) | 11.9317% | 541 |
| Net charge-offs to loans | -0.0065% | 6,298 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2854% | 5,616 |
| Assets per employee ($millions) | 6.6045% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2638% | 4,984 |
| Loan loss allowance to noncurrent loans | 37,350.0000% | 9 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,812 |
| Noncurrent loans to loans | 0.0034% | 6,682 |
| Net loans and leases to total assets | 67.9742% | 2,303 |
| Net loans and leases to deposits | 85.7533% | 1,629 |
| Net loans and leases to core deposits | 90.2180% | 1,962 |
| Total domestic deposits to total assets | 79.2672% | 5,808 |
| Equity capital to assets | 8.5175% | 6,244 |
| Core capital (leverage) ratio | 8.8815% | 5,219 |
| Tier 1 risk-based capital ratio | 12.3715% | 5,722 |
| Total risk-based capital ratio | 13.6223% | 5,691 |
| Memoranda: | ||
| Average total assets | $87,250,500 | 5,203 |
| Average earning assets | $80,001,750 | 5,181 |
| Average equity | $7,017,500 | 5,826 |
| Average total loans | $61,766,750 | 4,695 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2223% | 4,869 |
| Cost of funding earning assets | 0.5133% | 5,526 |
| Net interest margin | 3.7090% | 3,776 |
| Noninterest income to average assets | 0.3352% | 5,151 |
| Noninterest expense to average assets | 2.1296% | 6,177 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0033% | 2,450 |
| Return on assets (ROA) | 1.0033% | 2,666 |
| Pretax return on assets | 1.5664% | 1,653 |
| Return on Equity (ROE) | 12.7186% | 1,439 |
| Retained earnings to average equity (ytd only) | 12.7186% | 472 |
| Net charge-offs to loans | -0.0096% | 6,277 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6188% | 5,916 |
| Assets per employee ($millions) | 6.1468% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 5,386 |
| Loan loss allowance to noncurrent loans | 161.3391% | 2,082 |
| Noncurrent assets plus other real estate owned to assets | 0.5794% | 5,319 |
| Noncurrent loans to loans | 0.7396% | 5,031 |
| Net loans and leases to total assets | 77.4103% | 792 |
| Net loans and leases to deposits | 96.5625% | 596 |
| Net loans and leases to core deposits | 102.9937% | 918 |
| Total domestic deposits to total assets | 80.1659% | 5,701 |
| Equity capital to assets | 8.9090% | 5,795 |
| Core capital (leverage) ratio | 8.5723% | 5,556 |
| Tier 1 risk-based capital ratio | 11.7581% | 6,084 |
| Total risk-based capital ratio | 13.0056% | 6,066 |
| Memoranda: | ||
| Average total assets | $87,714,330 | 5,232 |
| Average earning assets | $79,483,330 | 5,225 |
| Average equity | $6,919,000 | 5,871 |
| Average total loans | $62,652,670 | 4,685 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1609% | 5,242 |
| Cost of funding earning assets | 0.5176% | 5,700 |
| Net interest margin | 3.6433% | 4,074 |
| Noninterest income to average assets | 0.2751% | 5,673 |
| Noninterest expense to average assets | 2.0738% | 6,327 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9169% | 2,841 |
| Return on assets (ROA) | 0.9169% | 3,058 |
| Pretax return on assets | 1.4277% | 2,095 |
| Return on Equity (ROE) | 12.3185% | 1,575 |
| Retained earnings to average equity (ytd only) | 12.3185% | 777 |
| Net charge-offs to loans | -0.0191% | 6,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2269% | 5,738 |
| Assets per employee ($millions) | 6.5431% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 5,550 |
| Loan loss allowance to noncurrent loans | 12,450.0000% | 47 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 6,922 |
| Noncurrent loans to loans | 0.0095% | 6,767 |
| Net loans and leases to total assets | 73.0543% | 1,216 |
| Net loans and leases to deposits | 87.8254% | 1,189 |
| Net loans and leases to core deposits | 96.8124% | 1,220 |
| Total domestic deposits to total assets | 83.1813% | 4,853 |
| Equity capital to assets | 8.1495% | 6,413 |
| Core capital (leverage) ratio | 7.8271% | 6,392 |
| Tier 1 risk-based capital ratio | 10.9257% | 6,569 |
| Total risk-based capital ratio | 12.1240% | 6,580 |
| Memoranda: | ||
| Average total assets | $91,617,500 | 5,161 |
| Average earning assets | $81,136,000 | 5,216 |
| Average equity | $6,819,000 | 5,925 |
| Average total loans | $62,677,000 | 4,710 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4309% | 5,305 |
| Cost of funding earning assets | 0.6185% | 5,990 |
| Net interest margin | 3.8123% | 3,763 |
| Noninterest income to average assets | 0.3967% | 4,642 |
| Noninterest expense to average assets | 2.1174% | 6,459 |
| Loan and lease loss provision to assets | 0.0265% | 6,243 |
| Net operating income to assets | 1.1015% | 1,826 |
| Return on assets (ROA) | 1.1877% | 1,654 |
| Pretax return on assets | 1.8413% | 744 |
| Return on Equity (ROE) | 14.3607% | 855 |
| Retained earnings to average equity (ytd only) | 1.2392% | 5,273 |
| Net charge-offs to loans | -0.0017% | 6,796 |
| Credit loss provision to net charge-offs | -2,200.0000% | 6,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9609% | 6,428 |
| Assets per employee ($millions) | 7.5519% | 561 |
| Cash dividends to net income (ytd only)* | 91.3706% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1910% | 5,437 |
| Loan loss allowance to noncurrent loans | 12,400.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0061% | 6,980 |
| Noncurrent loans to loans | 0.0096% | 6,832 |
| Net loans and leases to total assets | 62.8704% | 3,434 |
| Net loans and leases to deposits | 86.1993% | 1,642 |
| Net loans and leases to core deposits | 95.4165% | 1,550 |
| Total domestic deposits to total assets | 72.9361% | 6,814 |
| Equity capital to assets | 6.8307% | 6,999 |
| Core capital (leverage) ratio | 7.8828% | 6,372 |
| Tier 1 risk-based capital ratio | 10.4197% | 6,722 |
| Total risk-based capital ratio | 11.5941% | 6,728 |
| Memoranda: | ||
| Average total assets | $82,930,800 | 5,368 |
| Average earning assets | $75,176,800 | 5,368 |
| Average equity | $6,859,000 | 5,905 |
| Average total loans | $59,606,600 | 4,876 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5860% | 4,920 |
| Cost of funding earning assets | 0.6452% | 6,054 |
| Net interest margin | 3.9408% | 3,187 |
| Noninterest income to average assets | 0.4196% | 4,519 |
| Noninterest expense to average assets | 2.2042% | 6,269 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1923% | 1,671 |
| Return on assets (ROA) | 1.3127% | 1,431 |
| Pretax return on assets | 2.0340% | 586 |
| Return on Equity (ROE) | 15.0588% | 833 |
| Retained earnings to average equity (ytd only) | 6.3599% | 2,319 |
| Net charge-offs to loans | -0.0091% | 6,769 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3867% | 6,447 |
| Assets per employee ($millions) | 6.1915% | 1,091 |
| Cash dividends to net income (ytd only)* | 57.7669% | 1,288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 5,359 |
| Loan loss allowance to noncurrent loans | 10,357.1429% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.0087% | 7,051 |
| Noncurrent loans to loans | 0.0118% | 6,925 |
| Net loans and leases to total assets | 72.5345% | 1,601 |
| Net loans and leases to deposits | 87.0998% | 1,543 |
| Net loans and leases to core deposits | 98.3624% | 1,396 |
| Total domestic deposits to total assets | 83.2774% | 4,570 |
| Equity capital to assets | 8.6694% | 6,118 |
| Core capital (leverage) ratio | 8.7361% | 5,357 |
| Tier 1 risk-based capital ratio | 11.4722% | 6,258 |
| Total risk-based capital ratio | 12.6873% | 6,272 |
| Memoranda: | ||
| Average total assets | $79,119,750 | 5,525 |
| Average earning assets | $72,944,750 | 5,482 |
| Average equity | $6,897,250 | 5,931 |
| Average total loans | $58,891,500 | 4,948 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6148% | 4,907 |
| Cost of funding earning assets | 0.6456% | 6,248 |
| Net interest margin | 3.9692% | 2,994 |
| Noninterest income to average assets | 0.4017% | 4,671 |
| Noninterest expense to average assets | 2.2425% | 6,264 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1912% | 1,601 |
| Return on assets (ROA) | 1.3729% | 1,211 |
| Pretax return on assets | 2.1281% | 462 |
| Return on Equity (ROE) | 15.7198% | 699 |
| Retained earnings to average equity (ytd only) | 15.7198% | 215 |
| Net charge-offs to loans | -0.0136% | 6,750 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8167% | 6,528 |
| Assets per employee ($millions) | 5.7987% | 1,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 5,350 |
| Loan loss allowance to noncurrent loans | 9,062.5000% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 7,097 |
| Noncurrent loans to loans | 0.0137% | 6,969 |
| Net loans and leases to total assets | 76.4270% | 1,014 |
| Net loans and leases to deposits | 90.9985% | 1,159 |
| Net loans and leases to core deposits | 103.0423% | 1,114 |
| Total domestic deposits to total assets | 83.9871% | 4,357 |
| Equity capital to assets | 9.5287% | 4,775 |
| Core capital (leverage) ratio | 9.1443% | 4,498 |
| Tier 1 risk-based capital ratio | 12.2044% | 5,611 |
| Total risk-based capital ratio | 13.4586% | 5,588 |
| Memoranda: | ||
| Average total assets | $78,663,000 | 5,582 |
| Average earning assets | $73,113,330 | 5,521 |
| Average equity | $6,870,330 | 5,955 |
| Average total loans | $58,819,330 | 5,012 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5429% | 5,195 |
| Cost of funding earning assets | 0.6412% | 6,422 |
| Net interest margin | 3.9016% | 3,129 |
| Noninterest income to average assets | 0.3835% | 4,845 |
| Noninterest expense to average assets | 2.2465% | 6,312 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1068% | 1,819 |
| Return on assets (ROA) | 1.2752% | 1,379 |
| Pretax return on assets | 1.9725% | 584 |
| Return on Equity (ROE) | 15.2517% | 782 |
| Retained earnings to average equity (ytd only) | 15.2517% | 366 |
| Net charge-offs to loans | 0.0271% | 4,713 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 361 |
| Efficiency ratio | 56.7296% | 6,417 |
| Assets per employee ($millions) | 6.1106% | 1,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2514% | 5,377 |
| Loan loss allowance to noncurrent loans | 8,962.5000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 7,170 |
| Noncurrent loans to loans | 0.0140% | 7,034 |
| Net loans and leases to total assets | 71.2241% | 1,876 |
| Net loans and leases to deposits | 85.5495% | 1,796 |
| Net loans and leases to core deposits | 88.7750% | 2,510 |
| Total domestic deposits to total assets | 83.2549% | 4,818 |
| Equity capital to assets | 8.5752% | 5,806 |
| Core capital (leverage) ratio | 8.7667% | 4,976 |
| Tier 1 risk-based capital ratio | 11.5810% | 6,038 |
| Total risk-based capital ratio | 12.8072% | 6,040 |
| Memoranda: | ||
| Average total assets | $80,303,000 | 5,586 |
| Average earning assets | $73,610,000 | 5,551 |
| Average equity | $6,714,000 | 6,018 |
| Average total loans | $59,060,000 | 5,049 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5355% | 6,299 |
| Cost of funding earning assets | 0.7097% | 6,855 |
| Net interest margin | 3.8258% | 3,837 |
| Noninterest income to average assets | 0.4751% | 4,349 |
| Noninterest expense to average assets | 2.2452% | 6,494 |
| Loan and lease loss provision to assets | 0.2344% | 4,934 |
| Net operating income to assets | 1.0717% | 1,792 |
| Return on assets (ROA) | 1.0717% | 1,886 |
| Pretax return on assets | 1.6398% | 1,053 |
| Return on Equity (ROE) | 12.8725% | 1,120 |
| Retained earnings to average equity (ytd only) | -7.2706% | 6,476 |
| Net charge-offs to loans | 0.2365% | 4,867 |
| Credit loss provision to net charge-offs | 140.0000% | 2,700 |
| Earnings coverage of net charge-offs (x) | 11.1926% | 1,628 |
| Efficiency ratio | 54.5017% | 6,758 |
| Assets per employee ($millions) | 6.2437% | 1,062 |
| Cash dividends to net income (ytd only)* | 156.4815% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,587 |
| Loan loss allowance to noncurrent loans | 5,150.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 7,201 |
| Noncurrent loans to loans | 0.0230% | 7,083 |
| Net loans and leases to total assets | 74.0477% | 1,655 |
| Net loans and leases to deposits | 94.8940% | 970 |
| Net loans and leases to core deposits | 102.6700% | 1,405 |
| Total domestic deposits to total assets | 78.0320% | 6,306 |
| Equity capital to assets | 8.1510% | 6,321 |
| Core capital (leverage) ratio | 8.4259% | 5,489 |
| Tier 1 risk-based capital ratio | 10.3636% | 6,786 |
| Total risk-based capital ratio | 11.5103% | 6,821 |
| Memoranda: | ||
| Average total assets | $80,617,200 | 5,577 |
| Average earning assets | $76,794,000 | 5,452 |
| Average equity | $6,712,000 | 6,131 |
| Average total loans | $57,078,200 | 5,196 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5421% | 6,485 |
| Cost of funding earning assets | 0.7267% | 6,987 |
| Net interest margin | 3.8154% | 3,904 |
| Noninterest income to average assets | 0.4771% | 4,353 |
| Noninterest expense to average assets | 2.2498% | 6,467 |
| Loan and lease loss provision to assets | 0.1259% | 5,769 |
| Net operating income to assets | 1.1431% | 1,751 |
| Return on assets (ROA) | 1.1431% | 1,860 |
| Pretax return on assets | 1.7462% | 1,021 |
| Return on Equity (ROE) | 13.6577% | 1,107 |
| Retained earnings to average equity (ytd only) | -3.2264% | 6,381 |
| Net charge-offs to loans | 0.3206% | 4,057 |
| Credit loss provision to net charge-offs | 56.2963% | 5,781 |
| Earnings coverage of net charge-offs (x) | 8.3702% | 2,175 |
| Efficiency ratio | 54.5820% | 6,733 |
| Assets per employee ($millions) | 5.9953% | 1,243 |
| Cash dividends to net income (ytd only)* | 123.6223% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,952 |
| Loan loss allowance to noncurrent loans | 1,737.1429% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 7,232 |
| Noncurrent loans to loans | 0.0633% | 7,079 |
| Net loans and leases to total assets | 70.2152% | 2,685 |
| Net loans and leases to deposits | 82.0010% | 3,104 |
| Net loans and leases to core deposits | 87.7721% | 3,399 |
| Total domestic deposits to total assets | 85.6272% | 3,280 |
| Equity capital to assets | 8.9301% | 5,667 |
| Core capital (leverage) ratio | 8.7500% | 5,105 |
| Tier 1 risk-based capital ratio | 11.7947% | 5,643 |
| Total risk-based capital ratio | 12.8428% | 5,828 |
| Memoranda: | ||
| Average total assets | $80,479,500 | 5,650 |
| Average earning assets | $76,878,500 | 5,516 |
| Average equity | $6,736,000 | 6,205 |
| Average total loans | $56,141,750 | 5,301 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 6,685 |
| Cost of funding earning assets | 0.7394% | 7,097 |
| Net interest margin | 3.7713% | 4,039 |
| Noninterest income to average assets | 0.4623% | 4,419 |
| Noninterest expense to average assets | 2.2649% | 6,457 |
| Loan and lease loss provision to assets | 0.1746% | 5,118 |
| Net operating income to assets | 1.0722% | 1,940 |
| Return on assets (ROA) | 1.0722% | 2,015 |
| Pretax return on assets | 1.6354% | 1,202 |
| Return on Equity (ROE) | 13.0905% | 1,216 |
| Retained earnings to average equity (ytd only) | -12.5200% | 7,017 |
| Net charge-offs to loans | 0.4928% | 3,067 |
| Credit loss provision to net charge-offs | 51.0791% | 5,392 |
| Earnings coverage of net charge-offs (x) | 5.2950% | 2,707 |
| Efficiency ratio | 55.5824% | 6,691 |
| Assets per employee ($millions) | 6.0835% | 1,170 |
| Cash dividends to net income (ytd only)* | 195.6422% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 5,870 |
| Loan loss allowance to noncurrent loans | 163.2153% | 1,720 |
| Noncurrent assets plus other real estate owned to assets | 0.4641% | 6,286 |
| Noncurrent loans to loans | 0.6830% | 5,883 |
| Net loans and leases to total assets | 67.1838% | 3,575 |
| Net loans and leases to deposits | 82.6651% | 3,142 |
| Net loans and leases to core deposits | 87.2893% | 3,648 |
| Total domestic deposits to total assets | 81.2723% | 5,304 |
| Equity capital to assets | 8.3858% | 6,318 |
| Core capital (leverage) ratio | 8.2644% | 5,833 |
| Tier 1 risk-based capital ratio | 11.5874% | 5,682 |
| Total risk-based capital ratio | 12.6409% | 5,853 |
| Memoranda: | ||
| Average total assets | $81,326,330 | 5,658 |
| Average earning assets | $77,904,000 | 5,510 |
| Average equity | $6,661,330 | 6,249 |
| Average total loans | $56,411,330 | 5,337 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3753% | 7,030 |
| Cost of funding earning assets | 0.7647% | 7,189 |
| Net interest margin | 3.6107% | 4,682 |
| Noninterest income to average assets | 0.4415% | 4,548 |
| Noninterest expense to average assets | 2.1687% | 6,758 |
| Loan and lease loss provision to assets | 0.3251% | 3,460 |
| Net operating income to assets | 0.9315% | 2,424 |
| Return on assets (ROA) | 0.9315% | 2,491 |
| Pretax return on assets | 1.4070% | 1,756 |
| Return on Equity (ROE) | 11.5039% | 1,642 |
| Retained earnings to average equity (ytd only) | -39.6046% | 7,632 |
| Net charge-offs to loans | 0.9350% | 1,720 |
| Credit loss provision to net charge-offs | 49.6296% | 4,494 |
| Earnings coverage of net charge-offs (x) | 2.6444% | 3,212 |
| Efficiency ratio | 55.5970% | 6,826 |
| Assets per employee ($millions) | 6.1838% | 1,149 |
| Cash dividends to net income (ytd only)* | 444.2708% | 55 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 5,992 |
| Loan loss allowance to noncurrent loans | 56.8851% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.3099% | 4,575 |
| Noncurrent loans to loans | 1.9398% | 3,875 |
| Net loans and leases to total assets | 66.7795% | 3,682 |
| Net loans and leases to deposits | 81.4789% | 3,372 |
| Net loans and leases to core deposits | 88.3629% | 3,590 |
| Total domestic deposits to total assets | 81.9592% | 5,087 |
| Equity capital to assets | 7.8953% | 6,762 |
| Core capital (leverage) ratio | 8.0552% | 6,154 |
| Tier 1 risk-based capital ratio | 11.0032% | 6,150 |
| Total risk-based capital ratio | 12.0421% | 6,332 |
| Memoranda: | ||
| Average total assets | $82,446,500 | 5,686 |
| Average earning assets | $78,988,000 | 5,544 |
| Average equity | $6,676,000 | 6,300 |
| Average total loans | $57,751,000 | 5,347 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1350% | 1,420 |
| Cost of funding earning assets | 1.2347% | 6,529 |
| Net interest margin | 4.9003% | 555 |
| Noninterest income to average assets | 0.4835% | 4,541 |
| Noninterest expense to average assets | 2.2649% | 6,836 |
| Loan and lease loss provision to assets | 1.3462% | 1,708 |
| Net operating income to assets | 1.0307% | 1,740 |
| Return on assets (ROA) | 1.0307% | 1,785 |
| Pretax return on assets | 1.5638% | 1,043 |
| Return on Equity (ROE) | 12.0478% | 1,149 |
| Retained earnings to average equity (ytd only) | 9.0582% | 490 |
| Net charge-offs to loans | 1.6490% | 1,536 |
| Credit loss provision to net charge-offs | 106.2249% | 5,216 |
| Earnings coverage of net charge-offs (x) | 2.2962% | 4,002 |
| Efficiency ratio | 43.7669% | 7,782 |
| Assets per employee ($millions) | 5.2814% | 1,850 |
| Cash dividends to net income (ytd only)* | 24.8148% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0895% | 5,949 |
| Loan loss allowance to noncurrent loans | 517.0543% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1527% | 7,094 |
| Noncurrent loans to loans | 0.2107% | 6,899 |
| Net loans and leases to total assets | 71.6566% | 2,847 |
| Net loans and leases to deposits | 93.4444% | 1,672 |
| Net loans and leases to core deposits | 114.6254% | 2,450 |
| Total domestic deposits to total assets | 76.6837% | 6,554 |
| Equity capital to assets | 8.2896% | 6,214 |
| Core capital (leverage) ratio | 8.9293% | 4,543 |
| Tier 1 risk-based capital ratio | 10.9509% | 5,959 |
| Total risk-based capital ratio | 11.9939% | 6,139 |
| Memoranda: | ||
| Average total assets | $78,589,600 | 5,767 |
| Average earning assets | $75,240,800 | 5,628 |
| Average equity | $6,723,200 | 6,359 |
| Average total loans | $60,398,800 | 5,232 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2162% | 1,335 |
| Cost of funding earning assets | 1.3555% | 6,380 |
| Net interest margin | 4.8607% | 607 |
| Noninterest income to average assets | 0.4755% | 4,708 |
| Noninterest expense to average assets | 2.2824% | 6,748 |
| Loan and lease loss provision to assets | 1.2052% | 1,611 |
| Net operating income to assets | 1.0841% | 1,786 |
| Return on assets (ROA) | 1.0841% | 1,839 |
| Pretax return on assets | 1.6443% | 1,084 |
| Return on Equity (ROE) | 12.5659% | 1,216 |
| Retained earnings to average equity (ytd only) | 8.5377% | 962 |
| Net charge-offs to loans | 1.5173% | 1,342 |
| Credit loss provision to net charge-offs | 101.7518% | 5,003 |
| Earnings coverage of net charge-offs (x) | 2.4058% | 4,027 |
| Efficiency ratio | 44.4744% | 7,823 |
| Assets per employee ($millions) | 4.7698% | 2,443 |
| Cash dividends to net income (ytd only)* | 32.0570% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 6,244 |
| Loan loss allowance to noncurrent loans | 95.8075% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.8439% | 5,403 |
| Noncurrent loans to loans | 1.0518% | 5,218 |
| Net loans and leases to total assets | 79.4185% | 1,302 |
| Net loans and leases to deposits | 96.9884% | 1,443 |
| Net loans and leases to core deposits | 122.2276% | 2,049 |
| Total domestic deposits to total assets | 81.8845% | 4,721 |
| Equity capital to assets | 8.9614% | 5,536 |
| Core capital (leverage) ratio | 9.1123% | 4,471 |
| Tier 1 risk-based capital ratio | 10.9055% | 6,046 |
| Total risk-based capital ratio | 11.8922% | 6,285 |
| Memoranda: | ||
| Average total assets | $77,111,250 | 5,842 |
| Average earning assets | $73,870,000 | 5,724 |
| Average equity | $6,652,750 | 6,431 |
| Average total loans | $60,193,750 | 5,278 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0624% | 1,938 |
| Cost of funding earning assets | 1.4057% | 6,459 |
| Net interest margin | 4.6567% | 863 |
| Noninterest income to average assets | 0.4394% | 4,935 |
| Noninterest expense to average assets | 2.2927% | 6,772 |
| Loan and lease loss provision to assets | 1.1373% | 1,509 |
| Net operating income to assets | 0.9770% | 2,190 |
| Return on assets (ROA) | 0.9770% | 2,282 |
| Pretax return on assets | 1.4707% | 1,526 |
| Return on Equity (ROE) | 11.4708% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.4708% | 501 |
| Net charge-offs to loans | 1.4403% | 1,313 |
| Credit loss provision to net charge-offs | 102.0882% | 4,482 |
| Earnings coverage of net charge-offs (x) | 2.3411% | 3,892 |
| Efficiency ratio | 46.7827% | 7,819 |
| Assets per employee ($millions) | 4.7567% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0055% | 6,196 |
| Loan loss allowance to noncurrent loans | 74.8780% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 1.0774% | 4,811 |
| Noncurrent loans to loans | 1.3428% | 4,528 |
| Net loans and leases to total assets | 79.4303% | 1,422 |
| Net loans and leases to deposits | 98.2193% | 1,490 |
| Net loans and leases to core deposits | 120.9572% | 2,281 |
| Total domestic deposits to total assets | 80.8704% | 5,122 |
| Equity capital to assets | 8.8941% | 5,463 |
| Core capital (leverage) ratio | 9.0325% | 4,576 |
| Tier 1 risk-based capital ratio | 10.9745% | 5,895 |
| Total risk-based capital ratio | 11.9704% | 6,108 |
| Memoranda: | ||
| Average total assets | $77,376,330 | 5,884 |
| Average earning assets | $74,129,000 | 5,740 |
| Average equity | $6,590,670 | 6,502 |
| Average total loans | $59,849,670 | 5,341 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8625% | 2,974 |
| Cost of funding earning assets | 1.4482% | 6,580 |
| Net interest margin | 4.4143% | 1,316 |
| Noninterest income to average assets | 0.4153% | 5,093 |
| Noninterest expense to average assets | 2.1894% | 6,898 |
| Loan and lease loss provision to assets | 0.7845% | 1,636 |
| Net operating income to assets | 1.1024% | 1,955 |
| Return on assets (ROA) | 1.1024% | 2,080 |
| Pretax return on assets | 1.6613% | 1,264 |
| Return on Equity (ROE) | 13.2277% | 1,330 |
| Retained earnings to average equity (ytd only) | 13.2277% | 605 |
| Net charge-offs to loans | 1.2154% | 1,150 |
| Credit loss provision to net charge-offs | 85.0000% | 4,102 |
| Earnings coverage of net charge-offs (x) | 2.6500% | 3,434 |
| Efficiency ratio | 47.2345% | 7,773 |
| Assets per employee ($millions) | 4.7451% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 6,334 |
| Loan loss allowance to noncurrent loans | 109.6774% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.6941% | 5,423 |
| Noncurrent loans to loans | 0.8911% | 5,220 |
| Net loans and leases to total assets | 77.1394% | 2,008 |
| Net loans and leases to deposits | 96.0665% | 1,932 |
| Net loans and leases to core deposits | 113.0446% | 3,097 |
| Total domestic deposits to total assets | 80.2979% | 5,243 |
| Equity capital to assets | 8.7051% | 5,759 |
| Core capital (leverage) ratio | 8.7410% | 5,079 |
| Tier 1 risk-based capital ratio | 10.7008% | 6,185 |
| Total risk-based capital ratio | 11.6366% | 6,421 |
| Memoranda: | ||
| Average total assets | $78,011,000 | 5,886 |
| Average earning assets | $74,575,500 | 5,751 |
| Average equity | $6,501,500 | 6,585 |
| Average total loans | $59,241,500 | 5,393 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9985% | 5,552 |
| Cost of funding earning assets | 2.1865% | 5,659 |
| Net interest margin | 3.8120% | 3,969 |
| Noninterest income to average assets | 0.4123% | 5,371 |
| Noninterest expense to average assets | 2.0077% | 7,424 |
| Loan and lease loss provision to assets | 0.5876% | 2,471 |
| Net operating income to assets | 0.9855% | 2,609 |
| Return on assets (ROA) | 0.9855% | 2,490 |
| Pretax return on assets | 1.4632% | 1,784 |
| Return on Equity (ROE) | 12.3164% | 1,509 |
| Retained earnings to average equity (ytd only) | 7.4422% | 1,004 |
| Net charge-offs to loans | 0.6636% | 1,865 |
| Credit loss provision to net charge-offs | 120.6989% | 4,451 |
| Earnings coverage of net charge-offs (x) | 4.2124% | 4,066 |
| Efficiency ratio | 49.4679% | 7,692 |
| Assets per employee ($millions) | 5.0063% | 1,938 |
| Cash dividends to net income (ytd only)* | 39.5750% | 3,660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0195% | 5,855 |
| Loan loss allowance to noncurrent loans | 219.2029% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.3446% | 6,218 |
| Noncurrent loans to loans | 0.4651% | 5,953 |
| Net loans and leases to total assets | 73.3262% | 3,276 |
| Net loans and leases to deposits | 99.3269% | 1,938 |
| Net loans and leases to core deposits | 120.0806% | 2,682 |
| Total domestic deposits to total assets | 73.8230% | 6,683 |
| Equity capital to assets | 7.9824% | 6,870 |
| Core capital (leverage) ratio | 8.0442% | 6,417 |
| Tier 1 risk-based capital ratio | 10.0494% | 6,687 |
| Total risk-based capital ratio | 11.0002% | 6,918 |
| Memoranda: | ||
| Average total assets | $76,406,600 | 5,820 |
| Average earning assets | $73,085,000 | 5,707 |
| Average equity | $6,113,800 | 6,762 |
| Average total loans | $56,057,800 | 5,447 |