Home > SJN Bank of Kansas > Performance and Condition Ratios
SJN Bank of Kansas, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0132% | 2,046 |
| Cost of funding earning assets | 1.4357% | 2,125 |
| Net interest margin | 3.5775% | 2,011 |
| Noninterest income to average assets | 0.1800% | 3,888 |
| Noninterest expense to average assets | 2.2899% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.0053% | 2,206 |
| Return on assets (ROA) | 0.5166% | 3,627 |
| Pretax return on assets | 0.6317% | 3,581 |
| Return on Equity (ROE) | 6.8600% | 3,313 |
| Retained earnings to average equity (ytd only) | 5.1875% | 2,538 |
| Net charge-offs to loans | 0.3760% | 282 |
| Credit loss provision to net charge-offs | -3.6797% | 4,412 |
| Earnings coverage of net charge-offs (x) | 6.3225% | 2,476 |
| Efficiency ratio | 60.4254% | 3,026 |
| Assets per employee ($millions) | 7.2027% | 1,934 |
| Cash dividends to net income (ytd only)* | 24.4101% | 2,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5539% | 183 |
| Loan loss allowance to noncurrent loans | 177.5780% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7956% | 642 |
| Noncurrent loans to loans | 1.4382% | 484 |
| Net loans and leases to total assets | 53.9000% | 3,357 |
| Net loans and leases to deposits | 65.2290% | 3,224 |
| Net loans and leases to core deposits | 69.5192% | 3,335 |
| Total domestic deposits to total assets | 82.6400% | 2,974 |
| Equity capital to assets | 8.5166% | 3,044 |
| Core capital (leverage) ratio | 9.8850% | 2,896 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.8630% | 1,302 |
| Memoranda: | ||
| Average total assets | $237,915,000 | 2,749 |
| Average earning assets | $221,914,600 | 2,728 |
| Average equity | $17,908,400 | 3,022 |
| Average total loans | $122,886,000 | 2,925 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8588% | 2,150 |
| Cost of funding earning assets | 1.3002% | 2,146 |
| Net interest margin | 3.5585% | 2,091 |
| Noninterest income to average assets | 0.1800% | 3,904 |
| Noninterest expense to average assets | 2.1924% | 3,097 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0525% | 2,210 |
| Return on assets (ROA) | 0.6258% | 3,475 |
| Pretax return on assets | 0.7782% | 3,383 |
| Return on Equity (ROE) | 8.6000% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.5963% | 1,795 |
| Net charge-offs to loans | 0.5179% | 167 |
| Credit loss provision to net charge-offs | -3.6247% | 4,461 |
| Earnings coverage of net charge-offs (x) | 4.9915% | 2,368 |
| Efficiency ratio | 57.8830% | 3,218 |
| Assets per employee ($millions) | 7.1433% | 1,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6208% | 172 |
| Loan loss allowance to noncurrent loans | 133.5592% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.0644% | 471 |
| Noncurrent loans to loans | 1.9623% | 316 |
| Net loans and leases to total assets | 52.8200% | 3,435 |
| Net loans and leases to deposits | 69.5721% | 2,869 |
| Net loans and leases to core deposits | 73.1313% | 3,047 |
| Total domestic deposits to total assets | 75.9200% | 4,017 |
| Equity capital to assets | 7.1116% | 3,561 |
| Core capital (leverage) ratio | 9.9815% | 2,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1796% | 1,275 |
| Memoranda: | ||
| Average total assets | $237,971,500 | 2,759 |
| Average earning assets | $222,108,000 | 2,743 |
| Average equity | $17,324,750 | 3,056 |
| Average total loans | $120,736,500 | 2,948 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6208% | 2,373 |
| Cost of funding earning assets | 1.0825% | 2,347 |
| Net interest margin | 3.5384% | 2,180 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.1129% | 3,310 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0908% | 2,147 |
| Return on assets (ROA) | 0.8889% | 2,784 |
| Pretax return on assets | 1.1268% | 2,572 |
| Return on Equity (ROE) | 12.1200% | 2,116 |
| Retained earnings to average equity (ytd only) | 12.1176% | 962 |
| Net charge-offs to loans | 0.7300% | 118 |
| Credit loss provision to net charge-offs | -3.9352% | 4,495 |
| Earnings coverage of net charge-offs (x) | 3.8194% | 2,244 |
| Efficiency ratio | 55.7766% | 3,450 |
| Assets per employee ($millions) | 7.1340% | 1,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7172% | 171 |
| Loan loss allowance to noncurrent loans | 163.0414% | 2,838 |
| Noncurrent assets plus other real estate owned to assets | 0.8827% | 558 |
| Noncurrent loans to loans | 1.6666% | 378 |
| Net loans and leases to total assets | 51.5200% | 3,447 |
| Net loans and leases to deposits | 65.1790% | 3,111 |
| Net loans and leases to core deposits | 67.8029% | 3,242 |
| Total domestic deposits to total assets | 79.0500% | 3,711 |
| Equity capital to assets | 7.7550% | 3,369 |
| Core capital (leverage) ratio | 9.4875% | 3,261 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4536% | 1,225 |
| Memoranda: | ||
| Average total assets | $238,719,333 | 2,760 |
| Average earning assets | $223,379,667 | 2,745 |
| Average equity | $17,511,667 | 3,061 |
| Average total loans | $118,362,000 | 2,970 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,704 |
| Cost of funding earning assets | 0.7712% | 2,835 |
| Net interest margin | 3.5683% | 2,196 |
| Noninterest income to average assets | 0.1700% | 3,961 |
| Noninterest expense to average assets | 1.9420% | 3,764 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.2257% | 1,869 |
| Return on assets (ROA) | 1.2165% | 1,851 |
| Pretax return on assets | 1.5626% | 1,548 |
| Return on Equity (ROE) | 17.0600% | 1,164 |
| Retained earnings to average equity (ytd only) | 17.0605% | 592 |
| Net charge-offs to loans | 1.5000% | 54 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 2.1898% | 1,936 |
| Efficiency ratio | 50.5916% | 3,887 |
| Assets per employee ($millions) | 7.5177% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9846% | 129 |
| Loan loss allowance to noncurrent loans | 180.0635% | 2,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7861% | 610 |
| Noncurrent loans to loans | 1.6575% | 381 |
| Net loans and leases to total assets | 46.0100% | 3,776 |
| Net loans and leases to deposits | 55.0868% | 3,625 |
| Net loans and leases to core deposits | 57.3434% | 3,666 |
| Total domestic deposits to total assets | 83.5200% | 3,192 |
| Equity capital to assets | 7.5601% | 3,529 |
| Core capital (leverage) ratio | 9.6790% | 3,027 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2275% | 1,125 |
| Memoranda: | ||
| Average total assets | $240,367,500 | 2,790 |
| Average earning assets | $225,092,500 | 2,773 |
| Average equity | $17,139,000 | 3,122 |
| Average total loans | $115,199,000 | 3,032 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6748% | 2,600 |
| Cost of funding earning assets | 0.3241% | 2,687 |
| Net interest margin | 3.3507% | 2,421 |
| Noninterest income to average assets | 0.4600% | 2,330 |
| Noninterest expense to average assets | 2.2686% | 2,837 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0414% | 2,413 |
| Return on assets (ROA) | 0.8230% | 3,178 |
| Pretax return on assets | 1.0526% | 2,908 |
| Return on Equity (ROE) | 11.3700% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.6049% | 1,278 |
| Net charge-offs to loans | -0.0381% | 4,272 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 58.4348% | 3,275 |
| Assets per employee ($millions) | 7.5053% | 1,612 |
| Cash dividends to net income (ytd only)* | 15.5039% | 3,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4863% | 79 |
| Loan loss allowance to noncurrent loans | 117.3661% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 1.4386% | 233 |
| Noncurrent loans to loans | 2.9705% | 145 |
| Net loans and leases to total assets | 46.7400% | 3,752 |
| Net loans and leases to deposits | 54.3657% | 3,661 |
| Net loans and leases to core deposits | 56.0557% | 3,716 |
| Total domestic deposits to total assets | 85.9700% | 2,733 |
| Equity capital to assets | 6.6999% | 3,815 |
| Core capital (leverage) ratio | 9.5273% | 3,110 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4856% | 1,237 |
| Memoranda: | ||
| Average total assets | $235,121,000 | 2,820 |
| Average earning assets | $220,282,000 | 2,799 |
| Average equity | $17,022,600 | 3,201 |
| Average total loans | $110,168,800 | 3,025 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5326% | 2,514 |
| Cost of funding earning assets | 0.2613% | 2,590 |
| Net interest margin | 3.2713% | 2,387 |
| Noninterest income to average assets | 0.3400% | 3,099 |
| Noninterest expense to average assets | 2.1779% | 2,988 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9596% | 2,623 |
| Return on assets (ROA) | 1.0029% | 2,438 |
| Pretax return on assets | 1.2908% | 2,074 |
| Return on Equity (ROE) | 13.5900% | 1,539 |
| Retained earnings to average equity (ytd only) | 13.5915% | 526 |
| Net charge-offs to loans | -0.0589% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.9011% | 3,263 |
| Assets per employee ($millions) | 7.4428% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6211% | 79 |
| Loan loss allowance to noncurrent loans | 68.4823% | 3,639 |
| Noncurrent assets plus other real estate owned to assets | 2.4898% | 86 |
| Noncurrent loans to loans | 5.2876% | 53 |
| Net loans and leases to total assets | 45.3800% | 3,799 |
| Net loans and leases to deposits | 53.8357% | 3,612 |
| Net loans and leases to core deposits | 55.1312% | 3,680 |
| Total domestic deposits to total assets | 84.3000% | 3,433 |
| Equity capital to assets | 6.0759% | 3,935 |
| Core capital (leverage) ratio | 9.2306% | 3,349 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9556% | 1,186 |
| Memoranda: | ||
| Average total assets | $233,859,250 | 2,847 |
| Average earning assets | $219,399,000 | 2,826 |
| Average equity | $17,255,500 | 3,219 |
| Average total loans | $108,633,250 | 3,052 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3517% | 2,564 |
| Cost of funding earning assets | 0.2158% | 2,696 |
| Net interest margin | 3.1359% | 2,419 |
| Noninterest income to average assets | 0.1919% | 4,043 |
| Noninterest expense to average assets | 2.1753% | 2,932 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7566% | 3,121 |
| Return on assets (ROA) | 0.7899% | 2,963 |
| Pretax return on assets | 1.0102% | 2,693 |
| Return on Equity (ROE) | 10.0970% | 2,297 |
| Retained earnings to average equity (ytd only) | 10.0970% | 987 |
| Net charge-offs to loans | -0.0744% | 4,372 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8653% | 2,786 |
| Assets per employee ($millions) | 7.4820% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6714% | 82 |
| Loan loss allowance to noncurrent loans | 54.9783% | 3,764 |
| Noncurrent assets plus other real estate owned to assets | 3.0790% | 57 |
| Noncurrent loans to loans | 6.6778% | 27 |
| Net loans and leases to total assets | 44.4156% | 3,803 |
| Net loans and leases to deposits | 51.5278% | 3,724 |
| Net loans and leases to core deposits | 52.9779% | 3,759 |
| Total domestic deposits to total assets | 86.1973% | 3,199 |
| Equity capital to assets | 6.8101% | 3,865 |
| Core capital (leverage) ratio | 8.9615% | 3,505 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4186% | 1,323 |
| Memoranda: | ||
| Average total assets | $232,422,667 | 2,876 |
| Average earning assets | $218,756,333 | 2,858 |
| Average equity | $18,183,667 | 3,221 |
| Average total loans | $107,461,333 | 3,102 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2561% | 2,514 |
| Cost of funding earning assets | 0.2129% | 2,626 |
| Net interest margin | 3.0432% | 2,353 |
| Noninterest income to average assets | 0.1817% | 4,071 |
| Noninterest expense to average assets | 2.2034% | 2,831 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6683% | 3,167 |
| Return on assets (ROA) | 0.6780% | 3,121 |
| Pretax return on assets | 0.8632% | 2,901 |
| Return on Equity (ROE) | 8.1159% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.1159% | 1,544 |
| Net charge-offs to loans | -0.1359% | 4,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5332% | 2,701 |
| Assets per employee ($millions) | 7.5129% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8877% | 78 |
| Loan loss allowance to noncurrent loans | 44.6872% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 3.8914% | 38 |
| Noncurrent loans to loans | 8.6997% | 21 |
| Net loans and leases to total assets | 42.9910% | 3,819 |
| Net loans and leases to deposits | 47.6850% | 3,889 |
| Net loans and leases to core deposits | 49.6546% | 3,892 |
| Total domestic deposits to total assets | 90.1563% | 1,474 |
| Equity capital to assets | 7.4830% | 3,946 |
| Core capital (leverage) ratio | 8.7956% | 3,569 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7027% | 1,337 |
| Memoranda: | ||
| Average total assets | $228,921,500 | 2,904 |
| Average earning assets | $216,088,500 | 2,887 |
| Average equity | $19,123,000 | 3,227 |
| Average total loans | $105,994,500 | 3,110 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6842% | 2,165 |
| Cost of funding earning assets | 0.2579% | 2,833 |
| Net interest margin | 3.4264% | 1,946 |
| Noninterest income to average assets | 0.2030% | 4,149 |
| Noninterest expense to average assets | 2.1536% | 3,223 |
| Loan and lease loss provision to assets | 0.4492% | 137 |
| Net operating income to assets | 0.6517% | 3,742 |
| Return on assets (ROA) | 0.6406% | 3,827 |
| Pretax return on assets | 0.8037% | 3,720 |
| Return on Equity (ROE) | 7.3283% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.3283% | 1,794 |
| Net charge-offs to loans | 0.7794% | 90 |
| Credit loss provision to net charge-offs | 120.7729% | 1,641 |
| Earnings coverage of net charge-offs (x) | 3.4058% | 2,545 |
| Efficiency ratio | 57.8277% | 3,474 |
| Assets per employee ($millions) | 7.0295% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7222% | 81 |
| Loan loss allowance to noncurrent loans | 36.7255% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 4.8577% | 28 |
| Noncurrent loans to loans | 10.1351% | 18 |
| Net loans and leases to total assets | 46.1450% | 3,679 |
| Net loans and leases to deposits | 50.9968% | 3,802 |
| Net loans and leases to core deposits | 53.9400% | 3,754 |
| Total domestic deposits to total assets | 90.4860% | 725 |
| Equity capital to assets | 9.2548% | 3,365 |
| Core capital (leverage) ratio | 9.0613% | 3,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.0838% | 1,484 |
| Memoranda: | ||
| Average total assets | $222,608,600 | 2,889 |
| Average earning assets | $209,025,400 | 2,882 |
| Average equity | $19,458,800 | 3,258 |
| Average total loans | $106,239,600 | 3,122 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 1,986 |
| Cost of funding earning assets | 0.2683% | 2,920 |
| Net interest margin | 3.5469% | 1,740 |
| Noninterest income to average assets | 0.2042% | 4,177 |
| Noninterest expense to average assets | 2.2760% | 2,822 |
| Loan and lease loss provision to assets | 0.6004% | 85 |
| Net operating income to assets | 0.5215% | 4,158 |
| Return on assets (ROA) | 0.5993% | 4,055 |
| Pretax return on assets | 0.7512% | 3,982 |
| Return on Equity (ROE) | 6.9597% | 3,678 |
| Retained earnings to average equity (ytd only) | 6.9597% | 2,435 |
| Net charge-offs to loans | 1.1324% | 54 |
| Credit loss provision to net charge-offs | 111.2347% | 1,510 |
| Earnings coverage of net charge-offs (x) | 2.3237% | 2,354 |
| Efficiency ratio | 59.4829% | 3,069 |
| Assets per employee ($millions) | 6.9260% | 1,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6587% | 93 |
| Loan loss allowance to noncurrent loans | 35.2184% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 4.8972% | 33 |
| Noncurrent loans to loans | 10.3886% | 16 |
| Net loans and leases to total assets | 45.4154% | 3,833 |
| Net loans and leases to deposits | 51.5259% | 3,914 |
| Net loans and leases to core deposits | 54.1883% | 3,905 |
| Total domestic deposits to total assets | 88.1409% | 1,752 |
| Equity capital to assets | 9.1154% | 3,729 |
| Core capital (leverage) ratio | 8.7102% | 3,844 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7885% | 2,048 |
| Memoranda: | ||
| Average total assets | $222,025,000 | 2,925 |
| Average earning assets | $208,211,750 | 2,913 |
| Average equity | $19,119,000 | 3,331 |
| Average total loans | $105,846,250 | 3,167 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5814% | 645 |
| Cost of funding earning assets | 0.2802% | 2,978 |
| Net interest margin | 4.3012% | 494 |
| Noninterest income to average assets | 0.3430% | 3,393 |
| Noninterest expense to average assets | 2.2837% | 2,816 |
| Loan and lease loss provision to assets | 0.4536% | 124 |
| Net operating income to assets | 1.2741% | 1,935 |
| Return on assets (ROA) | 1.3673% | 1,733 |
| Pretax return on assets | 1.7629% | 1,322 |
| Return on Equity (ROE) | 15.8304% | 987 |
| Retained earnings to average equity (ytd only) | 15.8304% | 348 |
| Net charge-offs to loans | 0.7744% | 107 |
| Credit loss provision to net charge-offs | 122.8501% | 1,247 |
| Earnings coverage of net charge-offs (x) | 5.6830% | 1,986 |
| Efficiency ratio | 48.0745% | 4,381 |
| Assets per employee ($millions) | 6.8019% | 1,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5451% | 93 |
| Loan loss allowance to noncurrent loans | 69.0195% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 2.4490% | 142 |
| Noncurrent loans to loans | 5.1364% | 78 |
| Net loans and leases to total assets | 45.9886% | 3,908 |
| Net loans and leases to deposits | 51.9603% | 3,999 |
| Net loans and leases to core deposits | 54.0099% | 4,020 |
| Total domestic deposits to total assets | 88.5072% | 1,557 |
| Equity capital to assets | 8.6901% | 4,056 |
| Core capital (leverage) ratio | 8.0659% | 4,372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5515% | 2,144 |
| Memoranda: | ||
| Average total assets | $220,434,333 | 2,937 |
| Average earning assets | $207,012,667 | 2,922 |
| Average equity | $19,039,333 | 3,335 |
| Average total loans | $105,107,667 | 3,191 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9252% | 396 |
| Cost of funding earning assets | 0.3001% | 2,989 |
| Net interest margin | 4.6250% | 305 |
| Noninterest income to average assets | 0.3443% | 3,374 |
| Noninterest expense to average assets | 2.2470% | 2,954 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.8748% | 692 |
| Return on assets (ROA) | 2.0383% | 586 |
| Pretax return on assets | 2.6499% | 356 |
| Return on Equity (ROE) | 23.6733% | 310 |
| Retained earnings to average equity (ytd only) | 23.6733% | 168 |
| Net charge-offs to loans | -0.0461% | 4,361 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0843% | 4,574 |
| Assets per employee ($millions) | 6.4274% | 2,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4968% | 97 |
| Loan loss allowance to noncurrent loans | 99.4642% | 3,351 |
| Noncurrent assets plus other real estate owned to assets | 1.7082% | 336 |
| Noncurrent loans to loans | 3.5156% | 186 |
| Net loans and leases to total assets | 46.8902% | 3,899 |
| Net loans and leases to deposits | 53.0759% | 3,995 |
| Net loans and leases to core deposits | 54.9844% | 4,049 |
| Total domestic deposits to total assets | 88.3454% | 1,683 |
| Equity capital to assets | 8.7127% | 3,952 |
| Core capital (leverage) ratio | 7.9131% | 4,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5492% | 2,064 |
| Memoranda: | ||
| Average total assets | $218,420,500 | 2,942 |
| Average earning assets | $205,231,500 | 2,928 |
| Average equity | $18,806,000 | 3,348 |
| Average total loans | $104,151,000 | 3,206 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 2,537 |
| Cost of funding earning assets | 0.4126% | 3,505 |
| Net interest margin | 3.6507% | 1,976 |
| Noninterest income to average assets | 0.6766% | 1,933 |
| Noninterest expense to average assets | 2.5919% | 2,582 |
| Loan and lease loss provision to assets | 0.5472% | 402 |
| Net operating income to assets | 0.8177% | 3,025 |
| Return on assets (ROA) | 0.8701% | 2,962 |
| Pretax return on assets | 0.9999% | 3,046 |
| Return on Equity (ROE) | 9.8352% | 2,063 |
| Retained earnings to average equity (ytd only) | 8.7106% | 847 |
| Net charge-offs to loans | 0.3522% | 496 |
| Credit loss provision to net charge-offs | 310.7345% | 1,697 |
| Earnings coverage of net charge-offs (x) | 8.4435% | 2,602 |
| Efficiency ratio | 58.7755% | 3,619 |
| Assets per employee ($millions) | 6.2374% | 2,132 |
| Cash dividends to net income (ytd only)* | 11.4351% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6242% | 81 |
| Loan loss allowance to noncurrent loans | 99.4358% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.7049% | 385 |
| Noncurrent loans to loans | 3.6448% | 178 |
| Net loans and leases to total assets | 45.0820% | 4,188 |
| Net loans and leases to deposits | 52.2974% | 4,204 |
| Net loans and leases to core deposits | 55.0603% | 4,203 |
| Total domestic deposits to total assets | 86.2030% | 2,273 |
| Equity capital to assets | 8.5072% | 4,438 |
| Core capital (leverage) ratio | 7.6993% | 4,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.6320% | 2,388 |
| Memoranda: | ||
| Average total assets | $201,011,600 | 2,936 |
| Average earning assets | $187,334,000 | 2,933 |
| Average equity | $17,783,000 | 3,391 |
| Average total loans | $100,521,600 | 3,222 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 2,374 |
| Cost of funding earning assets | 0.4428% | 3,566 |
| Net interest margin | 3.7682% | 1,716 |
| Noninterest income to average assets | 0.7870% | 1,545 |
| Noninterest expense to average assets | 2.5719% | 2,620 |
| Loan and lease loss provision to assets | 0.4067% | 853 |
| Net operating income to assets | 1.1272% | 1,891 |
| Return on assets (ROA) | 1.1931% | 1,783 |
| Pretax return on assets | 1.3924% | 1,763 |
| Return on Equity (ROE) | 13.3438% | 1,019 |
| Retained earnings to average equity (ytd only) | 13.3438% | 301 |
| Net charge-offs to loans | 0.3622% | 436 |
| Credit loss provision to net charge-offs | 220.5882% | 2,038 |
| Earnings coverage of net charge-offs (x) | 9.3419% | 2,431 |
| Efficiency ratio | 55.2644% | 4,008 |
| Assets per employee ($millions) | 6.2834% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1737% | 120 |
| Loan loss allowance to noncurrent loans | 83.6433% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.8929% | 373 |
| Noncurrent loans to loans | 3.7943% | 184 |
| Net loans and leases to total assets | 48.3048% | 4,200 |
| Net loans and leases to deposits | 57.7041% | 4,176 |
| Net loans and leases to core deposits | 61.1178% | 4,151 |
| Total domestic deposits to total assets | 83.7113% | 2,919 |
| Equity capital to assets | 9.0657% | 4,064 |
| Core capital (leverage) ratio | 7.8422% | 4,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5501% | 2,391 |
| Memoranda: | ||
| Average total assets | $196,687,250 | 2,952 |
| Average earning assets | $183,069,250 | 2,950 |
| Average equity | $17,585,750 | 3,409 |
| Average total loans | $100,122,250 | 3,237 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 2,143 |
| Cost of funding earning assets | 0.4725% | 3,688 |
| Net interest margin | 3.9517% | 1,443 |
| Noninterest income to average assets | 0.4287% | 2,919 |
| Noninterest expense to average assets | 2.5775% | 2,748 |
| Loan and lease loss provision to assets | 0.1036% | 2,974 |
| Net operating income to assets | 1.1193% | 1,903 |
| Return on assets (ROA) | 1.1888% | 1,802 |
| Pretax return on assets | 1.5078% | 1,436 |
| Return on Equity (ROE) | 13.3631% | 1,016 |
| Retained earnings to average equity (ytd only) | 13.3631% | 321 |
| Net charge-offs to loans | 0.5454% | 289 |
| Credit loss provision to net charge-offs | 37.0370% | 2,679 |
| Earnings coverage of net charge-offs (x) | 5.4481% | 2,516 |
| Efficiency ratio | 57.9293% | 3,699 |
| Assets per employee ($millions) | 6.3560% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7079% | 179 |
| Loan loss allowance to noncurrent loans | 70.5242% | 3,704 |
| Noncurrent assets plus other real estate owned to assets | 1.8827% | 407 |
| Noncurrent loans to loans | 3.8396% | 185 |
| Net loans and leases to total assets | 47.7061% | 4,274 |
| Net loans and leases to deposits | 56.6557% | 4,272 |
| Net loans and leases to core deposits | 59.9427% | 4,264 |
| Total domestic deposits to total assets | 84.2035% | 2,677 |
| Equity capital to assets | 8.6713% | 4,372 |
| Core capital (leverage) ratio | 7.7853% | 4,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4050% | 2,440 |
| Memoranda: | ||
| Average total assets | $193,132,333 | 2,961 |
| Average earning assets | $179,466,333 | 2,967 |
| Average equity | $17,181,667 | 3,451 |
| Average total loans | $99,015,000 | 3,254 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4855% | 2,351 |
| Cost of funding earning assets | 0.5184% | 3,856 |
| Net interest margin | 3.9672% | 1,485 |
| Noninterest income to average assets | 0.4415% | 2,838 |
| Noninterest expense to average assets | 2.7074% | 2,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1065% | 1,824 |
| Return on assets (ROA) | 1.2552% | 1,467 |
| Pretax return on assets | 1.5994% | 1,056 |
| Return on Equity (ROE) | 13.9101% | 713 |
| Retained earnings to average equity (ytd only) | 13.9101% | 262 |
| Net charge-offs to loans | 1.1246% | 138 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 2.3883% | 2,293 |
| Efficiency ratio | 60.5885% | 3,665 |
| Assets per employee ($millions) | 5.3793% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7594% | 185 |
| Loan loss allowance to noncurrent loans | 73.1588% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.9472% | 441 |
| Noncurrent loans to loans | 3.7718% | 227 |
| Net loans and leases to total assets | 50.2002% | 4,233 |
| Net loans and leases to deposits | 57.4197% | 4,302 |
| Net loans and leases to core deposits | 61.9849% | 4,271 |
| Total domestic deposits to total assets | 87.4268% | 1,368 |
| Equity capital to assets | 9.0857% | 4,546 |
| Core capital (leverage) ratio | 8.2472% | 4,905 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2746% | 2,578 |
| Memoranda: | ||
| Average total assets | $184,824,000 | 3,006 |
| Average earning assets | $171,306,000 | 3,006 |
| Average equity | $16,678,500 | 3,502 |
| Average total loans | $97,098,500 | 3,260 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9940% | 1,500 |
| Cost of funding earning assets | 0.5919% | 3,675 |
| Net interest margin | 4.4021% | 891 |
| Noninterest income to average assets | 0.5783% | 2,322 |
| Noninterest expense to average assets | 3.1930% | 1,539 |
| Loan and lease loss provision to assets | 0.3969% | 364 |
| Net operating income to assets | 0.8212% | 3,484 |
| Return on assets (ROA) | 1.1150% | 2,479 |
| Pretax return on assets | 1.4069% | 2,132 |
| Return on Equity (ROE) | 11.7759% | 1,592 |
| Retained earnings to average equity (ytd only) | 10.4861% | 404 |
| Net charge-offs to loans | 0.2606% | 793 |
| Credit loss provision to net charge-offs | 273.1092% | 1,025 |
| Earnings coverage of net charge-offs (x) | 9.8529% | 2,626 |
| Efficiency ratio | 64.1669% | 3,049 |
| Assets per employee ($millions) | 5.0484% | 2,528 |
| Cash dividends to net income (ytd only)* | 10.9529% | 3,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6670% | 175 |
| Loan loss allowance to noncurrent loans | 329.9745% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.4314% | 2,666 |
| Noncurrent loans to loans | 0.8082% | 1,894 |
| Net loans and leases to total assets | 51.9495% | 4,228 |
| Net loans and leases to deposits | 57.6039% | 4,387 |
| Net loans and leases to core deposits | 61.1165% | 4,384 |
| Total domestic deposits to total assets | 90.1839% | 264 |
| Equity capital to assets | 9.0948% | 4,639 |
| Core capital (leverage) ratio | 8.3361% | 4,930 |
| Tier 1 risk-based capital ratio | 12.0195% | 4,357 |
| Total risk-based capital ratio | 13.2799% | 4,219 |
| Memoranda: | ||
| Average total assets | $163,763,000 | 3,171 |
| Average earning assets | $150,540,800 | 3,168 |
| Average equity | $15,506,200 | 3,589 |
| Average total loans | $91,318,000 | 3,369 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0079% | 1,513 |
| Cost of funding earning assets | 0.6146% | 3,618 |
| Net interest margin | 4.3933% | 963 |
| Noninterest income to average assets | 0.5760% | 2,329 |
| Noninterest expense to average assets | 2.9626% | 2,077 |
| Loan and lease loss provision to assets | 0.3349% | 412 |
| Net operating income to assets | 1.0453% | 2,800 |
| Return on assets (ROA) | 1.0473% | 2,883 |
| Pretax return on assets | 1.3143% | 2,618 |
| Return on Equity (ROE) | 10.9371% | 2,040 |
| Retained earnings to average equity (ytd only) | 10.9371% | 539 |
| Net charge-offs to loans | 0.2862% | 616 |
| Credit loss provision to net charge-offs | 207.2539% | 1,273 |
| Earnings coverage of net charge-offs (x) | 10.1916% | 2,513 |
| Efficiency ratio | 59.4987% | 3,730 |
| Assets per employee ($millions) | 4.8242% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4527% | 235 |
| Loan loss allowance to noncurrent loans | 348.2456% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.3938% | 2,933 |
| Noncurrent loans to loans | 0.7043% | 2,194 |
| Net loans and leases to total assets | 54.5497% | 4,129 |
| Net loans and leases to deposits | 60.7098% | 4,353 |
| Net loans and leases to core deposits | 63.8488% | 4,379 |
| Total domestic deposits to total assets | 89.8532% | 325 |
| Equity capital to assets | 9.3182% | 4,584 |
| Core capital (leverage) ratio | 8.1046% | 5,093 |
| Tier 1 risk-based capital ratio | 11.7699% | 4,538 |
| Total risk-based capital ratio | 13.0286% | 4,424 |
| Memoranda: | ||
| Average total assets | $159,268,250 | 3,238 |
| Average earning assets | $146,219,500 | 3,243 |
| Average equity | $15,250,500 | 3,649 |
| Average total loans | $89,897,250 | 3,444 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8809% | 1,811 |
| Cost of funding earning assets | 0.6360% | 3,481 |
| Net interest margin | 4.2449% | 1,251 |
| Noninterest income to average assets | 0.5477% | 2,397 |
| Noninterest expense to average assets | 2.8459% | 2,427 |
| Loan and lease loss provision to assets | 0.1942% | 902 |
| Net operating income to assets | 1.1213% | 2,439 |
| Return on assets (ROA) | 1.1213% | 2,513 |
| Pretax return on assets | 1.4048% | 2,195 |
| Return on Equity (ROE) | 11.5933% | 1,747 |
| Retained earnings to average equity (ytd only) | 11.5933% | 462 |
| Net charge-offs to loans | -0.1326% | 5,059 |
| Credit loss provision to net charge-offs | -258.6207% | 4,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3650% | 3,816 |
| Assets per employee ($millions) | 4.5997% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4508% | 237 |
| Loan loss allowance to noncurrent loans | 192.9555% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 1,940 |
| Noncurrent loans to loans | 1.2701% | 1,247 |
| Net loans and leases to total assets | 54.2657% | 4,189 |
| Net loans and leases to deposits | 59.9929% | 4,424 |
| Net loans and leases to core deposits | 62.1120% | 4,497 |
| Total domestic deposits to total assets | 90.4536% | 201 |
| Equity capital to assets | 8.9938% | 4,801 |
| Core capital (leverage) ratio | 7.9754% | 5,172 |
| Tier 1 risk-based capital ratio | 11.4027% | 4,732 |
| Total risk-based capital ratio | 12.6610% | 4,625 |
| Memoranda: | ||
| Average total assets | $154,467,330 | 3,298 |
| Average earning assets | $141,817,670 | 3,306 |
| Average equity | $14,939,670 | 3,684 |
| Average total loans | $87,490,000 | 3,517 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 2,266 |
| Cost of funding earning assets | 0.6844% | 3,130 |
| Net interest margin | 4.0034% | 1,846 |
| Noninterest income to average assets | 0.4380% | 2,925 |
| Noninterest expense to average assets | 2.6582% | 3,035 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1503% | 2,266 |
| Return on assets (ROA) | 1.1503% | 2,315 |
| Pretax return on assets | 1.4441% | 1,942 |
| Return on Equity (ROE) | 11.4093% | 1,777 |
| Retained earnings to average equity (ytd only) | 11.4093% | 722 |
| Net charge-offs to loans | -0.2469% | 5,193 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7297% | 3,846 |
| Assets per employee ($millions) | 6.1413% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6913% | 193 |
| Loan loss allowance to noncurrent loans | 183.9669% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 1,528 |
| Noncurrent loans to loans | 1.4629% | 1,103 |
| Net loans and leases to total assets | 56.9798% | 3,988 |
| Net loans and leases to deposits | 66.6993% | 4,001 |
| Net loans and leases to core deposits | 69.8094% | 4,087 |
| Total domestic deposits to total assets | 85.4280% | 2,515 |
| Equity capital to assets | 10.5834% | 3,269 |
| Core capital (leverage) ratio | 9.5681% | 4,058 |
| Tier 1 risk-based capital ratio | 13.2831% | 3,727 |
| Total risk-based capital ratio | 14.5446% | 3,629 |
| Memoranda: | ||
| Average total assets | $144,307,000 | 3,460 |
| Average earning assets | $132,088,500 | 3,485 |
| Average equity | $14,549,500 | 3,735 |
| Average total loans | $82,618,500 | 3,640 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9155% | 1,240 |
| Cost of funding earning assets | 0.5308% | 3,173 |
| Net interest margin | 4.3847% | 973 |
| Noninterest income to average assets | 0.4461% | 3,129 |
| Noninterest expense to average assets | 2.8064% | 2,666 |
| Loan and lease loss provision to assets | 0.4118% | 326 |
| Net operating income to assets | 0.9503% | 3,232 |
| Return on assets (ROA) | 0.9416% | 3,268 |
| Pretax return on assets | 1.2313% | 2,771 |
| Return on Equity (ROE) | 9.9096% | 2,555 |
| Retained earnings to average equity (ytd only) | 7.3816% | 1,508 |
| Net charge-offs to loans | 0.0321% | 2,760 |
| Credit loss provision to net charge-offs | 2,307.6923% | 197 |
| Earnings coverage of net charge-offs (x) | 92.6923% | 779 |
| Efficiency ratio | 58.5013% | 4,082 |
| Assets per employee ($millions) | 5.6678% | 1,804 |
| Cash dividends to net income (ytd only)* | 25.5102% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6355% | 195 |
| Loan loss allowance to noncurrent loans | 1,875.0000% | 380 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 4,137 |
| Noncurrent loans to loans | 0.1406% | 4,110 |
| Net loans and leases to total assets | 54.5262% | 4,243 |
| Net loans and leases to deposits | 65.4801% | 4,154 |
| Net loans and leases to core deposits | 68.6793% | 4,198 |
| Total domestic deposits to total assets | 83.2714% | 3,233 |
| Equity capital to assets | 9.6021% | 4,042 |
| Core capital (leverage) ratio | 9.1532% | 4,504 |
| Tier 1 risk-based capital ratio | 12.6750% | 4,032 |
| Total risk-based capital ratio | 13.9356% | 3,909 |
| Memoranda: | ||
| Average total assets | $145,704,000 | 3,432 |
| Average earning assets | $133,395,000 | 3,447 |
| Average equity | $13,845,200 | 3,769 |
| Average total loans | $81,035,400 | 3,649 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8811% | 1,211 |
| Cost of funding earning assets | 0.4951% | 3,227 |
| Net interest margin | 4.3860% | 929 |
| Noninterest income to average assets | 0.4607% | 3,094 |
| Noninterest expense to average assets | 2.5392% | 3,480 |
| Loan and lease loss provision to assets | 0.0918% | 2,143 |
| Net operating income to assets | 1.3977% | 1,501 |
| Return on assets (ROA) | 1.3875% | 1,535 |
| Pretax return on assets | 1.8409% | 926 |
| Return on Equity (ROE) | 14.6412% | 952 |
| Retained earnings to average equity (ytd only) | 12.7046% | 393 |
| Net charge-offs to loans | -0.0198% | 4,617 |
| Credit loss provision to net charge-offs | -833.3333% | 4,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8954% | 4,721 |
| Assets per employee ($millions) | 5.5461% | 1,872 |
| Cash dividends to net income (ytd only)* | 13.2275% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0565% | 439 |
| Loan loss allowance to noncurrent loans | 1,091.0828% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 4,116 |
| Noncurrent loans to loans | 0.1885% | 4,041 |
| Net loans and leases to total assets | 56.5785% | 4,167 |
| Net loans and leases to deposits | 69.0100% | 3,987 |
| Net loans and leases to core deposits | 72.1130% | 4,077 |
| Total domestic deposits to total assets | 81.9859% | 3,613 |
| Equity capital to assets | 9.7671% | 3,848 |
| Core capital (leverage) ratio | 9.3196% | 4,376 |
| Tier 1 risk-based capital ratio | 12.8993% | 3,961 |
| Total risk-based capital ratio | 14.1539% | 3,864 |
| Memoranda: | ||
| Average total assets | $145,289,000 | 3,477 |
| Average earning assets | $133,298,750 | 3,489 |
| Average equity | $13,769,000 | 3,807 |
| Average total loans | $80,662,500 | 3,686 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 1,245 |
| Cost of funding earning assets | 0.4672% | 3,241 |
| Net interest margin | 4.3339% | 971 |
| Noninterest income to average assets | 0.4518% | 3,138 |
| Noninterest expense to average assets | 2.4016% | 3,897 |
| Loan and lease loss provision to assets | 0.1373% | 1,426 |
| Net operating income to assets | 1.3924% | 1,469 |
| Return on assets (ROA) | 1.3772% | 1,518 |
| Pretax return on assets | 1.8675% | 845 |
| Return on Equity (ROE) | 14.6809% | 922 |
| Retained earnings to average equity (ytd only) | 14.6809% | 224 |
| Net charge-offs to loans | -0.0150% | 4,460 |
| Credit loss provision to net charge-offs | -1,666.6667% | 4,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0084% | 4,966 |
| Assets per employee ($millions) | 5.3813% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1044% | 438 |
| Loan loss allowance to noncurrent loans | 992.4419% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 4,099 |
| Noncurrent loans to loans | 0.2120% | 3,961 |
| Net loans and leases to total assets | 54.6519% | 4,278 |
| Net loans and leases to deposits | 62.5893% | 4,385 |
| Net loans and leases to core deposits | 65.0333% | 4,428 |
| Total domestic deposits to total assets | 87.3183% | 1,717 |
| Equity capital to assets | 9.6052% | 3,999 |
| Core capital (leverage) ratio | 9.0169% | 4,674 |
| Tier 1 risk-based capital ratio | 12.7755% | 4,020 |
| Total risk-based capital ratio | 14.0305% | 3,923 |
| Memoranda: | ||
| Average total assets | $145,652,670 | 3,494 |
| Average earning assets | $133,550,330 | 3,506 |
| Average equity | $13,664,000 | 3,847 |
| Average total loans | $79,784,000 | 3,715 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7393% | 1,213 |
| Cost of funding earning assets | 0.4673% | 3,065 |
| Net interest margin | 4.2719% | 1,004 |
| Noninterest income to average assets | 0.3977% | 3,490 |
| Noninterest expense to average assets | 2.2519% | 4,287 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6322% | 793 |
| Return on assets (ROA) | 1.6019% | 860 |
| Pretax return on assets | 2.0188% | 551 |
| Return on Equity (ROE) | 17.2807% | 485 |
| Retained earnings to average equity (ytd only) | 17.2807% | 184 |
| Net charge-offs to loans | -0.0051% | 4,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.9497% | 5,145 |
| Assets per employee ($millions) | 5.4553% | 1,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0275% | 513 |
| Loan loss allowance to noncurrent loans | 1,241.8605% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.1544% | 4,305 |
| Noncurrent loans to loans | 0.1633% | 4,246 |
| Net loans and leases to total assets | 54.5763% | 4,236 |
| Net loans and leases to deposits | 60.5527% | 4,434 |
| Net loans and leases to core deposits | 63.9329% | 4,425 |
| Total domestic deposits to total assets | 90.1303% | 611 |
| Equity capital to assets | 9.5426% | 4,054 |
| Core capital (leverage) ratio | 8.7073% | 4,983 |
| Tier 1 risk-based capital ratio | 12.6481% | 4,139 |
| Total risk-based capital ratio | 13.9023% | 4,047 |
| Memoranda: | ||
| Average total assets | $145,831,000 | 3,520 |
| Average earning assets | $133,523,000 | 3,540 |
| Average equity | $13,518,000 | 3,900 |
| Average total loans | $79,119,000 | 3,759 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 669 |
| Cost of funding earning assets | 0.4590% | 2,688 |
| Net interest margin | 4.5245% | 580 |
| Noninterest income to average assets | 0.5008% | 2,993 |
| Noninterest expense to average assets | 3.2189% | 1,567 |
| Loan and lease loss provision to assets | 0.0721% | 2,771 |
| Net operating income to assets | 0.9150% | 2,627 |
| Return on assets (ROA) | 0.9620% | 2,429 |
| Pretax return on assets | 1.4131% | 1,947 |
| Return on Equity (ROE) | 10.0513% | 1,859 |
| Retained earnings to average equity (ytd only) | 7.7926% | 831 |
| Net charge-offs to loans | -0.0119% | 4,832 |
| Credit loss provision to net charge-offs | -1,111.1111% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9981% | 3,266 |
| Assets per employee ($millions) | 5.7625% | 1,696 |
| Cash dividends to net income (ytd only)* | 22.4719% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0208% | 521 |
| Loan loss allowance to noncurrent loans | 1,203.7594% | 539 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 4,398 |
| Noncurrent loans to loans | 0.1679% | 4,249 |
| Net loans and leases to total assets | 51.8108% | 4,529 |
| Net loans and leases to deposits | 58.8889% | 4,648 |
| Net loans and leases to core deposits | 62.3389% | 4,639 |
| Total domestic deposits to total assets | 87.9806% | 1,515 |
| Equity capital to assets | 9.0112% | 4,708 |
| Core capital (leverage) ratio | 8.4792% | 5,155 |
| Tier 1 risk-based capital ratio | 12.2447% | 4,370 |
| Total risk-based capital ratio | 13.4986% | 4,270 |
| Memoranda: | ||
| Average total assets | $138,774,200 | 3,630 |
| Average earning assets | $126,797,800 | 3,632 |
| Average equity | $13,281,800 | 3,947 |
| Average total loans | $75,694,800 | 3,826 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0463% | 558 |
| Cost of funding earning assets | 0.4553% | 2,664 |
| Net interest margin | 4.5910% | 496 |
| Noninterest income to average assets | 0.5362% | 2,798 |
| Noninterest expense to average assets | 2.9820% | 2,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2910% | 1,370 |
| Return on assets (ROA) | 1.3606% | 1,199 |
| Pretax return on assets | 1.8488% | 788 |
| Return on Equity (ROE) | 13.9912% | 837 |
| Retained earnings to average equity (ytd only) | 12.4792% | 262 |
| Net charge-offs to loans | -0.0232% | 4,900 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4992% | 4,291 |
| Assets per employee ($millions) | 5.7692% | 1,674 |
| Cash dividends to net income (ytd only)* | 10.8072% | 3,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8742% | 739 |
| Loan loss allowance to noncurrent loans | 1,098.5401% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.2038% | 4,272 |
| Noncurrent loans to loans | 0.1706% | 4,381 |
| Net loans and leases to total assets | 54.6326% | 4,362 |
| Net loans and leases to deposits | 65.1255% | 4,311 |
| Net loans and leases to core deposits | 69.1144% | 4,299 |
| Total domestic deposits to total assets | 83.8881% | 3,160 |
| Equity capital to assets | 9.7387% | 4,212 |
| Core capital (leverage) ratio | 8.5497% | 5,207 |
| Tier 1 risk-based capital ratio | 12.3704% | 4,399 |
| Total risk-based capital ratio | 13.6237% | 4,300 |
| Memoranda: | ||
| Average total assets | $136,011,750 | 3,706 |
| Average earning assets | $124,444,250 | 3,706 |
| Average equity | $13,227,000 | 3,996 |
| Average total loans | $74,812,000 | 3,881 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 468 |
| Cost of funding earning assets | 0.4498% | 2,603 |
| Net interest margin | 4.6537% | 434 |
| Noninterest income to average assets | 0.5508% | 2,711 |
| Noninterest expense to average assets | 3.1349% | 1,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2400% | 1,473 |
| Return on assets (ROA) | 1.3266% | 1,253 |
| Pretax return on assets | 1.7873% | 868 |
| Return on Equity (ROE) | 13.6483% | 884 |
| Retained earnings to average equity (ytd only) | 13.6483% | 209 |
| Net charge-offs to loans | -0.0301% | 4,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7739% | 4,033 |
| Assets per employee ($millions) | 5.2615% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9621% | 643 |
| Loan loss allowance to noncurrent loans | 1,065.9574% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.2091% | 4,334 |
| Noncurrent loans to loans | 0.1841% | 4,381 |
| Net loans and leases to total assets | 50.9744% | 4,645 |
| Net loans and leases to deposits | 59.6169% | 4,661 |
| Net loans and leases to core deposits | 62.7865% | 4,677 |
| Total domestic deposits to total assets | 85.5033% | 2,618 |
| Equity capital to assets | 9.3285% | 4,587 |
| Core capital (leverage) ratio | 8.1086% | 5,482 |
| Tier 1 risk-based capital ratio | 12.2404% | 4,469 |
| Total risk-based capital ratio | 13.4934% | 4,348 |
| Memoranda: | ||
| Average total assets | $133,272,670 | 3,763 |
| Average earning assets | $121,838,000 | 3,770 |
| Average equity | $12,954,000 | 4,041 |
| Average total loans | $72,982,330 | 3,950 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3216% | 308 |
| Cost of funding earning assets | 0.4464% | 2,560 |
| Net interest margin | 4.8753% | 273 |
| Noninterest income to average assets | 0.5545% | 2,637 |
| Noninterest expense to average assets | 3.1209% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4084% | 983 |
| Return on assets (ROA) | 1.4131% | 1,004 |
| Pretax return on assets | 1.9042% | 625 |
| Return on Equity (ROE) | 14.2044% | 765 |
| Retained earnings to average equity (ytd only) | 14.2044% | 283 |
| Net charge-offs to loans | 0.0225% | 2,318 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 149.7500% | 367 |
| Efficiency ratio | 58.6490% | 4,638 |
| Assets per employee ($millions) | 5.4091% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9304% | 752 |
| Loan loss allowance to noncurrent loans | 1,340.5405% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 4,645 |
| Noncurrent loans to loans | 0.1440% | 4,611 |
| Net loans and leases to total assets | 49.9132% | 4,680 |
| Net loans and leases to deposits | 60.0831% | 4,560 |
| Net loans and leases to core deposits | 63.3376% | 4,575 |
| Total domestic deposits to total assets | 83.0735% | 3,806 |
| Equity capital to assets | 8.5471% | 5,205 |
| Core capital (leverage) ratio | 6.5180% | 5,794 |
| Tier 1 risk-based capital ratio | 11.4260% | 5,078 |
| Total risk-based capital ratio | 12.6786% | 4,974 |
| Memoranda: | ||
| Average total assets | $126,247,500 | 3,899 |
| Average earning assets | $115,604,000 | 3,922 |
| Average equity | $12,559,500 | 4,129 |
| Average total loans | $71,173,500 | 4,024 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 404 |
| Cost of funding earning assets | 0.4116% | 2,893 |
| Net interest margin | 4.8062% | 346 |
| Noninterest income to average assets | 0.6010% | 2,657 |
| Noninterest expense to average assets | 2.8614% | 2,808 |
| Loan and lease loss provision to assets | 0.2547% | 818 |
| Net operating income to assets | 1.2971% | 1,219 |
| Return on assets (ROA) | 1.3477% | 1,158 |
| Pretax return on assets | 1.9844% | 519 |
| Return on Equity (ROE) | 10.8615% | 1,634 |
| Retained earnings to average equity (ytd only) | 7.9881% | 860 |
| Net charge-offs to loans | 0.1359% | 1,884 |
| Credit loss provision to net charge-offs | 280.8989% | 1,040 |
| Earnings coverage of net charge-offs (x) | 23.8764% | 1,661 |
| Efficiency ratio | 56.0803% | 5,063 |
| Assets per employee ($millions) | 5.6133% | 1,772 |
| Cash dividends to net income (ytd only)* | 26.4550% | 3,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2861% | 414 |
| Loan loss allowance to noncurrent loans | 1,203.2258% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.1227% | 4,824 |
| Noncurrent loans to loans | 0.1900% | 4,483 |
| Net loans and leases to total assets | 63.1146% | 3,463 |
| Net loans and leases to deposits | 81.3904% | 2,744 |
| Net loans and leases to core deposits | 86.9170% | 2,773 |
| Total domestic deposits to total assets | 77.5455% | 5,043 |
| Equity capital to assets | 12.0487% | 1,766 |
| Core capital (leverage) ratio | 12.3435% | 1,409 |
| Tier 1 risk-based capital ratio | 16.1053% | 2,502 |
| Total risk-based capital ratio | 17.3633% | 2,441 |
| Memoranda: | ||
| Average total assets | $98,168,000 | 4,382 |
| Average earning assets | $90,382,400 | 4,376 |
| Average equity | $12,180,600 | 4,227 |
| Average total loans | $65,490,800 | 4,152 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2371% | 403 |
| Cost of funding earning assets | 0.4001% | 3,022 |
| Net interest margin | 4.8370% | 339 |
| Noninterest income to average assets | 0.6075% | 2,626 |
| Noninterest expense to average assets | 2.2931% | 4,549 |
| Loan and lease loss provision to assets | 0.1368% | 1,715 |
| Net operating income to assets | 1.7537% | 530 |
| Return on assets (ROA) | 1.8115% | 503 |
| Pretax return on assets | 2.7309% | 155 |
| Return on Equity (ROE) | 14.4907% | 742 |
| Retained earnings to average equity (ytd only) | 12.3018% | 269 |
| Net charge-offs to loans | 0.1953% | 1,199 |
| Credit loss provision to net charge-offs | 104.1667% | 2,294 |
| Earnings coverage of net charge-offs (x) | 21.1662% | 1,831 |
| Efficiency ratio | 44.3366% | 5,733 |
| Assets per employee ($millions) | 5.5435% | 1,812 |
| Cash dividends to net income (ytd only)* | 15.1057% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0088% | 718 |
| Loan loss allowance to noncurrent loans | 872.5490% | 664 |
| Noncurrent assets plus other real estate owned to assets | 0.1533% | 4,828 |
| Noncurrent loans to loans | 0.2302% | 4,445 |
| Net loans and leases to total assets | 65.2646% | 3,241 |
| Net loans and leases to deposits | 85.1426% | 2,349 |
| Net loans and leases to core deposits | 91.4752% | 2,438 |
| Total domestic deposits to total assets | 76.6533% | 5,142 |
| Equity capital to assets | 12.7437% | 1,625 |
| Core capital (leverage) ratio | 12.5725% | 1,372 |
| Tier 1 risk-based capital ratio | 16.2992% | 2,500 |
| Total risk-based capital ratio | 17.5550% | 2,449 |
| Memoranda: | ||
| Average total assets | $97,450,000 | 4,427 |
| Average earning assets | $89,970,750 | 4,421 |
| Average equity | $12,182,250 | 4,258 |
| Average total loans | $65,547,750 | 4,180 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 409 |
| Cost of funding earning assets | 0.3915% | 3,139 |
| Net interest margin | 4.8320% | 349 |
| Noninterest income to average assets | 0.6000% | 2,618 |
| Noninterest expense to average assets | 2.2840% | 4,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.8267% | 458 |
| Return on assets (ROA) | 1.8909% | 423 |
| Pretax return on assets | 2.8819% | 132 |
| Return on Equity (ROE) | 15.2278% | 646 |
| Retained earnings to average equity (ytd only) | 11.8957% | 341 |
| Net charge-offs to loans | -0.0123% | 4,765 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2041% | 5,810 |
| Assets per employee ($millions) | 5.4869% | 1,807 |
| Cash dividends to net income (ytd only)* | 21.8818% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0735% | 642 |
| Loan loss allowance to noncurrent loans | 612.3853% | 904 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 4,612 |
| Noncurrent loans to loans | 0.3386% | 4,150 |
| Net loans and leases to total assets | 63.8374% | 3,386 |
| Net loans and leases to deposits | 79.0018% | 3,055 |
| Net loans and leases to core deposits | 84.6091% | 3,025 |
| Total domestic deposits to total assets | 80.8049% | 4,330 |
| Equity capital to assets | 12.5297% | 1,751 |
| Core capital (leverage) ratio | 12.5308% | 1,338 |
| Tier 1 risk-based capital ratio | 16.3030% | 2,499 |
| Total risk-based capital ratio | 17.5594% | 2,442 |
| Memoranda: | ||
| Average total assets | $96,672,330 | 4,484 |
| Average earning assets | $89,403,330 | 4,477 |
| Average equity | $12,004,330 | 4,315 |
| Average total loans | $65,244,330 | 4,212 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2689% | 374 |
| Cost of funding earning assets | 0.3908% | 3,179 |
| Net interest margin | 4.8781% | 324 |
| Noninterest income to average assets | 0.5563% | 2,769 |
| Noninterest expense to average assets | 2.2086% | 4,885 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8874% | 407 |
| Return on assets (ROA) | 1.9200% | 408 |
| Pretax return on assets | 2.9406% | 137 |
| Return on Equity (ROE) | 15.5343% | 597 |
| Retained earnings to average equity (ytd only) | 15.5343% | 219 |
| Net charge-offs to loans | -0.0061% | 4,354 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4118% | 5,911 |
| Assets per employee ($millions) | 5.3647% | 1,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0692% | 731 |
| Loan loss allowance to noncurrent loans | 2,834.0426% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 5,431 |
| Noncurrent loans to loans | 0.0730% | 5,187 |
| Net loans and leases to total assets | 65.2845% | 3,067 |
| Net loans and leases to deposits | 78.9515% | 2,902 |
| Net loans and leases to core deposits | 84.2639% | 2,911 |
| Total domestic deposits to total assets | 82.6894% | 4,010 |
| Equity capital to assets | 12.4859% | 1,692 |
| Core capital (leverage) ratio | 12.1724% | 1,513 |
| Tier 1 risk-based capital ratio | 16.4251% | 2,507 |
| Total risk-based capital ratio | 17.6812% | 2,457 |
| Memoranda: | ||
| Average total assets | $95,626,000 | 4,539 |
| Average earning assets | $89,050,500 | 4,525 |
| Average equity | $11,819,000 | 4,358 |
| Average total loans | $65,674,500 | 4,227 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 342 |
| Cost of funding earning assets | 0.2744% | 4,543 |
| Net interest margin | 5.0778% | 219 |
| Noninterest income to average assets | 0.6753% | 2,318 |
| Noninterest expense to average assets | 2.9340% | 2,750 |
| Loan and lease loss provision to assets | 0.3913% | 356 |
| Net operating income to assets | 1.3697% | 1,102 |
| Return on assets (ROA) | 1.3732% | 1,138 |
| Pretax return on assets | 2.0764% | 455 |
| Return on Equity (ROE) | 11.3165% | 1,498 |
| Retained earnings to average equity (ytd only) | 8.3570% | 810 |
| Net charge-offs to loans | 0.0015% | 4,423 |
| Credit loss provision to net charge-offs | 36,500.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 2,297.0000% | 13 |
| Efficiency ratio | 53.5161% | 5,553 |
| Assets per employee ($millions) | 5.5698% | 1,723 |
| Cash dividends to net income (ytd only)* | 26.1514% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9873% | 825 |
| Loan loss allowance to noncurrent loans | 2,831.9149% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0496% | 5,480 |
| Noncurrent loans to loans | 0.0702% | 5,231 |
| Net loans and leases to total assets | 69.3274% | 2,482 |
| Net loans and leases to deposits | 83.5155% | 2,417 |
| Net loans and leases to core deposits | 88.8306% | 2,521 |
| Total domestic deposits to total assets | 83.0114% | 3,829 |
| Equity capital to assets | 12.2308% | 1,788 |
| Core capital (leverage) ratio | 12.0219% | 1,606 |
| Tier 1 risk-based capital ratio | 15.3355% | 3,022 |
| Total risk-based capital ratio | 16.5920% | 2,961 |
| Memoranda: | ||
| Average total assets | $93,285,200 | 4,599 |
| Average earning assets | $86,730,000 | 4,571 |
| Average equity | $11,319,800 | 4,421 |
| Average total loans | $64,894,400 | 4,232 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3181% | 365 |
| Cost of funding earning assets | 0.2666% | 4,697 |
| Net interest margin | 5.0515% | 228 |
| Noninterest income to average assets | 0.6413% | 2,523 |
| Noninterest expense to average assets | 2.3155% | 4,740 |
| Loan and lease loss provision to assets | 0.1865% | 1,103 |
| Net operating income to assets | 1.8565% | 459 |
| Return on assets (ROA) | 1.8565% | 482 |
| Pretax return on assets | 2.8421% | 141 |
| Return on Equity (ROE) | 15.3298% | 686 |
| Retained earnings to average equity (ytd only) | 14.0267% | 210 |
| Net charge-offs to loans | 0.0041% | 4,037 |
| Credit loss provision to net charge-offs | 6,500.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 1,054.1573% | 70 |
| Efficiency ratio | 42.4698% | 6,076 |
| Assets per employee ($millions) | 5.2683% | 1,981 |
| Cash dividends to net income (ytd only)* | 8.5006% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 1,652 |
| Loan loss allowance to noncurrent loans | 6,843.7500% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 5,729 |
| Noncurrent loans to loans | 0.0239% | 5,540 |
| Net loans and leases to total assets | 69.4316% | 2,470 |
| Net loans and leases to deposits | 88.4177% | 1,844 |
| Net loans and leases to core deposits | 94.6563% | 2,018 |
| Total domestic deposits to total assets | 78.5268% | 5,082 |
| Equity capital to assets | 12.5140% | 1,735 |
| Core capital (leverage) ratio | 12.3587% | 1,485 |
| Tier 1 risk-based capital ratio | 15.4981% | 3,049 |
| Total risk-based capital ratio | 16.7504% | 2,974 |
| Memoranda: | ||
| Average total assets | $92,934,750 | 4,653 |
| Average earning assets | $86,520,500 | 4,623 |
| Average equity | $11,254,500 | 4,485 |
| Average total loans | $64,374,250 | 4,292 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2822% | 369 |
| Cost of funding earning assets | 0.2677% | 4,742 |
| Net interest margin | 5.0145% | 240 |
| Noninterest income to average assets | 0.6240% | 2,607 |
| Noninterest expense to average assets | 2.4355% | 4,450 |
| Loan and lease loss provision to assets | 0.0650% | 2,820 |
| Net operating income to assets | 1.8223% | 492 |
| Return on assets (ROA) | 1.8223% | 514 |
| Pretax return on assets | 2.7908% | 161 |
| Return on Equity (ROE) | 15.2213% | 709 |
| Retained earnings to average equity (ytd only) | 13.2304% | 288 |
| Net charge-offs to loans | 0.0094% | 3,576 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 439.3333% | 149 |
| Efficiency ratio | 45.1679% | 6,070 |
| Assets per employee ($millions) | 4.9512% | 2,337 |
| Cash dividends to net income (ytd only)* | 13.0797% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 2,170 |
| Loan loss allowance to noncurrent loans | 5,847.0588% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 5,824 |
| Noncurrent loans to loans | 0.0261% | 5,657 |
| Net loans and leases to total assets | 68.0755% | 2,630 |
| Net loans and leases to deposits | 81.2247% | 2,641 |
| Net loans and leases to core deposits | 86.9164% | 2,660 |
| Total domestic deposits to total assets | 83.8113% | 3,646 |
| Equity capital to assets | 12.0812% | 1,962 |
| Core capital (leverage) ratio | 12.1458% | 1,565 |
| Tier 1 risk-based capital ratio | 15.1689% | 3,264 |
| Total risk-based capital ratio | 16.4190% | 3,201 |
| Memoranda: | ||
| Average total assets | $92,303,000 | 4,717 |
| Average earning assets | $85,911,000 | 4,683 |
| Average equity | $11,050,330 | 4,555 |
| Average total loans | $63,520,000 | 4,352 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3200% | 344 |
| Cost of funding earning assets | 0.2676% | 4,823 |
| Net interest margin | 5.0524% | 225 |
| Noninterest income to average assets | 0.5776% | 2,790 |
| Noninterest expense to average assets | 2.3803% | 4,653 |
| Loan and lease loss provision to assets | 0.0875% | 2,231 |
| Net operating income to assets | 1.8392% | 451 |
| Return on assets (ROA) | 1.8421% | 478 |
| Pretax return on assets | 2.8222% | 153 |
| Return on Equity (ROE) | 15.4595% | 637 |
| Retained earnings to average equity (ytd only) | 15.4595% | 245 |
| Net charge-offs to loans | -0.0064% | 4,564 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1225% | 6,174 |
| Assets per employee ($millions) | 4.8340% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5688% | 2,165 |
| Loan loss allowance to noncurrent loans | 5,488.8889% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 5,866 |
| Noncurrent loans to loans | 0.0286% | 5,693 |
| Net loans and leases to total assets | 67.4945% | 2,531 |
| Net loans and leases to deposits | 80.1943% | 2,541 |
| Net loans and leases to core deposits | 85.3389% | 2,612 |
| Total domestic deposits to total assets | 84.1637% | 3,751 |
| Equity capital to assets | 12.1181% | 1,947 |
| Core capital (leverage) ratio | 11.7302% | 1,830 |
| Tier 1 risk-based capital ratio | 15.4612% | 3,167 |
| Total risk-based capital ratio | 16.7125% | 3,104 |
| Memoranda: | ||
| Average total assets | $91,418,500 | 4,780 |
| Average earning assets | $85,187,500 | 4,740 |
| Average equity | $10,893,000 | 4,623 |
| Average total loans | $62,763,000 | 4,404 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9243% | 884 |
| Cost of funding earning assets | 0.2913% | 4,876 |
| Net interest margin | 4.6330% | 584 |
| Noninterest income to average assets | 0.6518% | 2,539 |
| Noninterest expense to average assets | 2.7953% | 3,498 |
| Loan and lease loss provision to assets | 0.4312% | 394 |
| Net operating income to assets | 1.3741% | 1,132 |
| Return on assets (ROA) | 1.3543% | 1,230 |
| Pretax return on assets | 1.6977% | 991 |
| Return on Equity (ROE) | 11.5938% | 1,528 |
| Retained earnings to average equity (ytd only) | 8.5099% | 825 |
| Net charge-offs to loans | 0.0090% | 4,729 |
| Credit loss provision to net charge-offs | 7,660.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 382.6000% | 141 |
| Efficiency ratio | 55.5050% | 5,714 |
| Assets per employee ($millions) | 5.0551% | 2,253 |
| Cash dividends to net income (ytd only)* | 26.6002% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5460% | 2,274 |
| Loan loss allowance to noncurrent loans | 5,089.4737% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 5,960 |
| Noncurrent loans to loans | 0.0304% | 5,766 |
| Net loans and leases to total assets | 67.6770% | 2,611 |
| Net loans and leases to deposits | 83.2995% | 2,295 |
| Net loans and leases to core deposits | 88.9011% | 2,393 |
| Total domestic deposits to total assets | 81.2454% | 4,665 |
| Equity capital to assets | 11.7110% | 2,242 |
| Core capital (leverage) ratio | 11.4877% | 1,975 |
| Tier 1 risk-based capital ratio | 14.8857% | 3,549 |
| Total risk-based capital ratio | 16.1387% | 3,481 |
| Memoranda: | ||
| Average total assets | $88,826,800 | 4,866 |
| Average earning assets | $82,386,800 | 4,843 |
| Average equity | $10,376,200 | 4,680 |
| Average total loans | $55,281,800 | 4,637 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8314% | 1,055 |
| Cost of funding earning assets | 0.2928% | 4,953 |
| Net interest margin | 4.5386% | 692 |
| Noninterest income to average assets | 0.6615% | 2,517 |
| Noninterest expense to average assets | 2.2759% | 5,165 |
| Loan and lease loss provision to assets | 0.3972% | 428 |
| Net operating income to assets | 1.7483% | 564 |
| Return on assets (ROA) | 1.7292% | 601 |
| Pretax return on assets | 2.1777% | 384 |
| Return on Equity (ROE) | 14.8127% | 858 |
| Retained earnings to average equity (ytd only) | 12.6134% | 367 |
| Net charge-offs to loans | 0.0025% | 4,625 |
| Credit loss provision to net charge-offs | 26,300.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 1,725.2707% | 30 |
| Efficiency ratio | 45.6939% | 6,305 |
| Assets per employee ($millions) | 4.9691% | 2,278 |
| Cash dividends to net income (ytd only)* | 14.8471% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 2,901 |
| Loan loss allowance to noncurrent loans | 9,455.5556% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0101% | 6,143 |
| Noncurrent loans to loans | 0.0154% | 5,971 |
| Net loans and leases to total assets | 64.1828% | 3,152 |
| Net loans and leases to deposits | 77.1206% | 3,059 |
| Net loans and leases to core deposits | 82.2650% | 3,077 |
| Total domestic deposits to total assets | 83.2240% | 4,059 |
| Equity capital to assets | 12.0893% | 1,980 |
| Core capital (leverage) ratio | 11.7313% | 1,888 |
| Tier 1 risk-based capital ratio | 15.8094% | 3,154 |
| Total risk-based capital ratio | 17.0593% | 3,097 |
| Memoranda: | ||
| Average total assets | $88,285,750 | 4,935 |
| Average earning assets | $81,961,500 | 4,903 |
| Average equity | $10,306,250 | 4,727 |
| Average total loans | $53,465,500 | 4,754 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7454% | 1,192 |
| Cost of funding earning assets | 0.2995% | 4,970 |
| Net interest margin | 4.4459% | 788 |
| Noninterest income to average assets | 0.6394% | 2,606 |
| Noninterest expense to average assets | 2.0637% | 5,702 |
| Loan and lease loss provision to assets | 0.3936% | 422 |
| Net operating income to assets | 1.9361% | 386 |
| Return on assets (ROA) | 1.9590% | 381 |
| Pretax return on assets | 2.3299% | 285 |
| Return on Equity (ROE) | 16.9867% | 553 |
| Retained earnings to average equity (ytd only) | 13.6328% | 284 |
| Net charge-offs to loans | -0.0116% | 5,360 |
| Credit loss provision to net charge-offs | -5,766.6667% | 5,918 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3518% | 6,471 |
| Assets per employee ($millions) | 4.6633% | 2,678 |
| Cash dividends to net income (ytd only)* | 19.7445% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 3,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 59.7176% | 3,769 |
| Net loans and leases to deposits | 68.1781% | 4,031 |
| Net loans and leases to core deposits | 72.0328% | 4,048 |
| Total domestic deposits to total assets | 87.5906% | 2,149 |
| Equity capital to assets | 11.8970% | 2,064 |
| Core capital (leverage) ratio | 11.2618% | 2,184 |
| Tier 1 risk-based capital ratio | 16.0315% | 3,068 |
| Total risk-based capital ratio | 17.2549% | 3,021 |
| Memoranda: | ||
| Average total assets | $87,900,000 | 4,977 |
| Average earning assets | $81,468,000 | 4,950 |
| Average equity | $10,137,330 | 4,770 |
| Average total loans | $51,868,000 | 4,832 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5599% | 1,612 |
| Cost of funding earning assets | 0.3106% | 4,963 |
| Net interest margin | 4.2493% | 1,100 |
| Noninterest income to average assets | 0.6488% | 2,469 |
| Noninterest expense to average assets | 2.5997% | 4,271 |
| Loan and lease loss provision to assets | -0.0685% | 6,468 |
| Net operating income to assets | 2.1474% | 263 |
| Return on assets (ROA) | 2.1565% | 271 |
| Pretax return on assets | 2.0651% | 458 |
| Return on Equity (ROE) | 19.0026% | 359 |
| Retained earnings to average equity (ytd only) | 19.0026% | 143 |
| Net charge-offs to loans | -0.0078% | 4,951 |
| Credit loss provision to net charge-offs | 1,500.0000% | 212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5777% | 5,873 |
| Assets per employee ($millions) | 4.6831% | 2,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1203% | 5,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 57.0354% | 4,000 |
| Net loans and leases to deposits | 64.9562% | 4,212 |
| Net loans and leases to core deposits | 67.2377% | 4,377 |
| Total domestic deposits to total assets | 87.8060% | 2,339 |
| Equity capital to assets | 11.4950% | 2,251 |
| Core capital (leverage) ratio | 10.8542% | 2,538 |
| Tier 1 risk-based capital ratio | 16.1432% | 3,094 |
| Total risk-based capital ratio | 17.0907% | 3,211 |
| Memoranda: | ||
| Average total assets | $87,549,000 | 5,031 |
| Average earning assets | $81,142,000 | 4,996 |
| Average equity | $9,935,500 | 4,828 |
| Average total loans | $50,964,000 | 4,897 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4997% | 2,205 |
| Cost of funding earning assets | 0.4021% | 4,629 |
| Net interest margin | 4.0975% | 1,650 |
| Noninterest income to average assets | 0.8097% | 2,031 |
| Noninterest expense to average assets | 2.8287% | 3,623 |
| Loan and lease loss provision to assets | 0.0292% | 4,529 |
| Net operating income to assets | 1.2205% | 1,489 |
| Return on assets (ROA) | 1.2993% | 1,303 |
| Pretax return on assets | 1.8250% | 713 |
| Return on Equity (ROE) | 11.6126% | 1,551 |
| Retained earnings to average equity (ytd only) | 8.7408% | 837 |
| Net charge-offs to loans | -0.0681% | 6,400 |
| Credit loss provision to net charge-offs | -78.1250% | 5,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7718% | 5,380 |
| Assets per employee ($millions) | 4.7844% | 2,469 |
| Cash dividends to net income (ytd only)* | 24.7302% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1639% | 4,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 58.0759% | 4,024 |
| Net loans and leases to deposits | 65.9394% | 4,304 |
| Net loans and leases to core deposits | 68.8059% | 4,420 |
| Total domestic deposits to total assets | 88.0748% | 2,133 |
| Equity capital to assets | 11.1972% | 2,433 |
| Core capital (leverage) ratio | 11.2217% | 2,179 |
| Tier 1 risk-based capital ratio | 15.6656% | 3,266 |
| Total risk-based capital ratio | 16.8951% | 3,239 |
| Memoranda: | ||
| Average total assets | $85,586,800 | 5,097 |
| Average earning assets | $78,583,800 | 5,070 |
| Average equity | $9,575,800 | 4,953 |
| Average total loans | $46,958,600 | 5,070 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 2,399 |
| Cost of funding earning assets | 0.4218% | 4,590 |
| Net interest margin | 4.0324% | 1,836 |
| Noninterest income to average assets | 0.8488% | 1,943 |
| Noninterest expense to average assets | 2.3841% | 5,066 |
| Loan and lease loss provision to assets | -0.0094% | 6,467 |
| Net operating income to assets | 1.5102% | 878 |
| Return on assets (ROA) | 1.6445% | 729 |
| Pretax return on assets | 2.3654% | 289 |
| Return on Equity (ROE) | 14.7013% | 855 |
| Retained earnings to average equity (ytd only) | 14.7013% | 219 |
| Net charge-offs to loans | -0.0898% | 6,467 |
| Credit loss provision to net charge-offs | 19.3548% | 4,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3208% | 6,307 |
| Assets per employee ($millions) | 4.9056% | 2,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1716% | 5,009 |
| 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 | 56.3396% | 4,272 |
| Net loans and leases to deposits | 66.4503% | 4,249 |
| Net loans and leases to core deposits | 68.5412% | 4,480 |
| Total domestic deposits to total assets | 84.7846% | 3,846 |
| Equity capital to assets | 11.8639% | 2,003 |
| Core capital (leverage) ratio | 11.5745% | 1,982 |
| Tier 1 risk-based capital ratio | 16.6457% | 2,883 |
| Total risk-based capital ratio | 17.8715% | 2,845 |
| Memoranda: | ||
| Average total assets | $85,453,500 | 5,146 |
| Average earning assets | $78,396,500 | 5,122 |
| Average equity | $9,559,000 | 5,019 |
| Average total loans | $46,047,250 | 5,159 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 2,707 |
| Cost of funding earning assets | 0.4407% | 4,535 |
| Net interest margin | 3.9208% | 2,144 |
| Noninterest income to average assets | 0.8266% | 2,082 |
| Noninterest expense to average assets | 2.2800% | 5,420 |
| Loan and lease loss provision to assets | -0.0139% | 6,583 |
| Net operating income to assets | 1.4978% | 903 |
| Return on assets (ROA) | 1.6276% | 775 |
| Pretax return on assets | 2.3427% | 329 |
| Return on Equity (ROE) | 14.8402% | 835 |
| Retained earnings to average equity (ytd only) | 14.8402% | 244 |
| Net charge-offs to loans | -0.1273% | 6,565 |
| Credit loss provision to net charge-offs | 20.6897% | 3,720 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4727% | 6,392 |
| Assets per employee ($millions) | 4.7987% | 2,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2205% | 4,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 55.0626% | 4,441 |
| Net loans and leases to deposits | 62.8853% | 4,642 |
| Net loans and leases to core deposits | 64.8406% | 4,808 |
| Total domestic deposits to total assets | 87.5604% | 2,513 |
| Equity capital to assets | 11.6919% | 2,134 |
| Core capital (leverage) ratio | 10.8889% | 2,466 |
| Tier 1 risk-based capital ratio | 15.8050% | 3,312 |
| Total risk-based capital ratio | 17.0358% | 3,274 |
| Memoranda: | ||
| Average total assets | $86,139,330 | 5,151 |
| Average earning assets | $78,964,330 | 5,142 |
| Average equity | $9,447,330 | 5,072 |
| Average total loans | $45,549,000 | 5,206 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 2,831 |
| Cost of funding earning assets | 0.4684% | 4,391 |
| Net interest margin | 3.8460% | 2,301 |
| Noninterest income to average assets | 0.7826% | 2,199 |
| Noninterest expense to average assets | 2.2257% | 5,622 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4221% | 993 |
| Return on assets (ROA) | 1.6467% | 716 |
| Pretax return on assets | 2.4157% | 302 |
| Return on Equity (ROE) | 15.4861% | 680 |
| Retained earnings to average equity (ytd only) | 15.4861% | 317 |
| Net charge-offs to loans | -0.2194% | 6,704 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4722% | 6,472 |
| Assets per employee ($millions) | 5.5424% | 1,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2447% | 4,976 |
| 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 | 49.8348% | 5,015 |
| Net loans and leases to deposits | 56.4003% | 5,204 |
| Net loans and leases to core deposits | 58.3753% | 5,303 |
| Total domestic deposits to total assets | 88.3591% | 2,097 |
| Equity capital to assets | 10.7489% | 3,263 |
| Core capital (leverage) ratio | 9.7352% | 3,741 |
| Tier 1 risk-based capital ratio | 16.3311% | 3,093 |
| Total risk-based capital ratio | 17.3637% | 3,157 |
| Memoranda: | ||
| Average total assets | $88,420,000 | 5,141 |
| Average earning assets | $81,123,500 | 5,116 |
| Average equity | $9,402,000 | 5,132 |
| Average total loans | $45,586,500 | 5,231 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8362% | 2,076 |
| Cost of funding earning assets | 0.6061% | 4,282 |
| Net interest margin | 4.2301% | 1,577 |
| Noninterest income to average assets | 1.0015% | 1,526 |
| Noninterest expense to average assets | 2.8619% | 3,802 |
| Loan and lease loss provision to assets | 0.2587% | 2,581 |
| Net operating income to assets | 1.1776% | 1,671 |
| Return on assets (ROA) | 1.3163% | 1,396 |
| Pretax return on assets | 1.9266% | 703 |
| Return on Equity (ROE) | 11.4579% | 1,669 |
| Retained earnings to average equity (ytd only) | 9.2395% | 754 |
| Net charge-offs to loans | 0.1772% | 3,955 |
| Credit loss provision to net charge-offs | 274.3243% | 877 |
| Earnings coverage of net charge-offs (x) | 21.0135% | 1,320 |
| Efficiency ratio | 58.3004% | 5,787 |
| Assets per employee ($millions) | 5.1859% | 2,007 |
| Cash dividends to net income (ytd only)* | 19.3611% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1460% | 5,359 |
| Loan loss allowance to noncurrent loans | 4,092.3077% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 6,643 |
| Noncurrent loans to loans | 0.0280% | 6,448 |
| Net loans and leases to total assets | 52.0536% | 4,918 |
| Net loans and leases to deposits | 58.7615% | 5,156 |
| Net loans and leases to core deposits | 63.1629% | 5,045 |
| Total domestic deposits to total assets | 88.5845% | 1,847 |
| Equity capital to assets | 10.5171% | 3,509 |
| Core capital (leverage) ratio | 10.8450% | 2,396 |
| Tier 1 risk-based capital ratio | 13.6348% | 4,651 |
| Total risk-based capital ratio | 14.7504% | 4,705 |
| Memoranda: | ||
| Average total assets | $78,478,800 | 5,397 |
| Average earning assets | $71,275,400 | 5,385 |
| Average equity | $9,015,600 | 5,221 |
| Average total loans | $41,765,800 | 5,430 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 1,876 |
| Cost of funding earning assets | 0.6430% | 4,251 |
| Net interest margin | 4.2942% | 1,483 |
| Noninterest income to average assets | 0.9571% | 1,650 |
| Noninterest expense to average assets | 2.3157% | 5,649 |
| Loan and lease loss provision to assets | 0.0964% | 4,367 |
| Net operating income to assets | 1.6523% | 759 |
| Return on assets (ROA) | 1.8407% | 593 |
| Pretax return on assets | 2.7207% | 208 |
| Return on Equity (ROE) | 15.6395% | 792 |
| Retained earnings to average equity (ytd only) | 14.1500% | 289 |
| Net charge-offs to loans | -0.0821% | 6,812 |
| Credit loss provision to net charge-offs | -220.0000% | 6,344 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6895% | 6,735 |
| Assets per employee ($millions) | 5.1025% | 2,049 |
| Cash dividends to net income (ytd only)* | 9.5238% | 3,447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1760% | 5,395 |
| Loan loss allowance to noncurrent loans | 345.0000% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.1829% | 6,250 |
| Noncurrent loans to loans | 0.3409% | 5,792 |
| Net loans and leases to total assets | 53.0286% | 4,909 |
| Net loans and leases to deposits | 61.5888% | 5,010 |
| Net loans and leases to core deposits | 66.7956% | 4,869 |
| Total domestic deposits to total assets | 86.1010% | 3,196 |
| Equity capital to assets | 12.3468% | 2,000 |
| Core capital (leverage) ratio | 11.5971% | 1,915 |
| Tier 1 risk-based capital ratio | 17.4540% | 2,558 |
| Total risk-based capital ratio | 18.3944% | 2,624 |
| Memoranda: | ||
| Average total assets | $76,058,250 | 5,516 |
| Average earning assets | $69,052,750 | 5,525 |
| Average equity | $8,951,500 | 5,281 |
| Average total loans | $40,601,500 | 5,544 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 2,101 |
| Cost of funding earning assets | 0.6559% | 4,392 |
| Net interest margin | 4.2457% | 1,621 |
| Noninterest income to average assets | 0.9434% | 1,635 |
| Noninterest expense to average assets | 2.2056% | 5,994 |
| Loan and lease loss provision to assets | 0.0870% | 4,500 |
| Net operating income to assets | 1.7001% | 670 |
| Return on assets (ROA) | 1.9473% | 489 |
| Pretax return on assets | 2.8696% | 176 |
| Return on Equity (ROE) | 16.8235% | 665 |
| Retained earnings to average equity (ytd only) | 14.5470% | 306 |
| Net charge-offs to loans | 0.0148% | 5,221 |
| Credit loss provision to net charge-offs | 1,100.0000% | 300 |
| Earnings coverage of net charge-offs (x) | 328.0000% | 126 |
| Efficiency ratio | 45.9638% | 6,884 |
| Assets per employee ($millions) | 4.8654% | 2,334 |
| Cash dividends to net income (ytd only)* | 13.5318% | 3,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 6,067 |
| Loan loss allowance to noncurrent loans | 307.0922% | 1,167 |
| Noncurrent assets plus other real estate owned to assets | 0.1811% | 6,339 |
| Noncurrent loans to loans | 0.3328% | 5,884 |
| Net loans and leases to total assets | 53.8692% | 4,822 |
| Net loans and leases to deposits | 61.7090% | 5,041 |
| Net loans and leases to core deposits | 66.7489% | 4,920 |
| Total domestic deposits to total assets | 87.2954% | 2,598 |
| Equity capital to assets | 11.6769% | 2,434 |
| Core capital (leverage) ratio | 11.0717% | 2,232 |
| Tier 1 risk-based capital ratio | 16.5376% | 2,893 |
| Total risk-based capital ratio | 17.3653% | 3,081 |
| Memoranda: | ||
| Average total assets | $75,898,330 | 5,549 |
| Average earning assets | $68,916,000 | 5,561 |
| Average equity | $8,785,330 | 5,326 |
| Average total loans | $40,445,330 | 5,581 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 2,588 |
| Cost of funding earning assets | 0.6721% | 4,520 |
| Net interest margin | 4.1387% | 1,969 |
| Noninterest income to average assets | 0.8702% | 1,868 |
| Noninterest expense to average assets | 2.1195% | 6,231 |
| Loan and lease loss provision to assets | 0.0801% | 4,394 |
| Net operating income to assets | 1.6119% | 845 |
| Return on assets (ROA) | 2.0981% | 408 |
| Pretax return on assets | 3.1552% | 162 |
| Return on Equity (ROE) | 18.2092% | 525 |
| Retained earnings to average equity (ytd only) | 18.2092% | 243 |
| Net charge-offs to loans | 0.0304% | 4,262 |
| Credit loss provision to net charge-offs | 500.0000% | 641 |
| Earnings coverage of net charge-offs (x) | 156.0000% | 237 |
| Efficiency ratio | 45.8960% | 6,903 |
| Assets per employee ($millions) | 5.1849% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 5,946 |
| Loan loss allowance to noncurrent loans | 301.4085% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 6,425 |
| Noncurrent loans to loans | 0.3600% | 5,956 |
| Net loans and leases to total assets | 50.1659% | 5,281 |
| Net loans and leases to deposits | 57.2376% | 5,464 |
| Net loans and leases to core deposits | 62.4416% | 5,282 |
| Total domestic deposits to total assets | 87.6450% | 2,557 |
| Equity capital to assets | 11.2917% | 2,636 |
| Core capital (leverage) ratio | 10.9920% | 2,261 |
| Tier 1 risk-based capital ratio | 15.7548% | 3,316 |
| Total risk-based capital ratio | 16.7295% | 3,431 |
| Memoranda: | ||
| Average total assets | $74,924,500 | 5,619 |
| Average earning assets | $67,847,500 | 5,627 |
| Average equity | $8,633,000 | 5,390 |
| Average total loans | $39,484,000 | 5,664 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3411% | 1,591 |
| Cost of funding earning assets | 0.7732% | 5,045 |
| Net interest margin | 4.5679% | 986 |
| Noninterest income to average assets | 1.1004% | 1,097 |
| Noninterest expense to average assets | 2.9430% | 3,801 |
| Loan and lease loss provision to assets | 0.0866% | 5,515 |
| Net operating income to assets | 1.4604% | 905 |
| Return on assets (ROA) | 1.4860% | 928 |
| Pretax return on assets | 2.1777% | 385 |
| Return on Equity (ROE) | 13.0204% | 1,163 |
| Retained earnings to average equity (ytd only) | 11.2109% | 379 |
| Net charge-offs to loans | 0.0632% | 5,668 |
| Credit loss provision to net charge-offs | 250.0000% | 958 |
| Earnings coverage of net charge-offs (x) | 64.2500% | 461 |
| Efficiency ratio | 56.9274% | 6,197 |
| Assets per employee ($millions) | 4.8050% | 2,447 |
| Cash dividends to net income (ytd only)* | 13.8970% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 5,991 |
| Loan loss allowance to noncurrent loans | 447.3118% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1290% | 6,627 |
| Noncurrent loans to loans | 0.2353% | 6,270 |
| Net loans and leases to total assets | 54.2601% | 4,998 |
| Net loans and leases to deposits | 62.2362% | 5,212 |
| Net loans and leases to core deposits | 68.1205% | 5,012 |
| Total domestic deposits to total assets | 87.1842% | 2,651 |
| Equity capital to assets | 11.7711% | 2,288 |
| Core capital (leverage) ratio | 11.4660% | 1,919 |
| Tier 1 risk-based capital ratio | 16.5285% | 2,810 |
| Total risk-based capital ratio | 17.3866% | 2,943 |
| Memoranda: | ||
| Average total assets | $69,248,400 | 5,766 |
| Average earning assets | $61,691,200 | 5,812 |
| Average equity | $7,903,000 | 5,597 |
| Average total loans | $38,000,000 | 5,784 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3958% | 1,519 |
| Cost of funding earning assets | 0.7992% | 5,152 |
| Net interest margin | 4.5966% | 953 |
| Noninterest income to average assets | 1.0854% | 1,141 |
| Noninterest expense to average assets | 2.5774% | 5,163 |
| Loan and lease loss provision to assets | 0.0875% | 5,349 |
| Net operating income to assets | 1.6890% | 650 |
| Return on assets (ROA) | 1.7215% | 652 |
| Pretax return on assets | 2.5638% | 220 |
| Return on Equity (ROE) | 15.2102% | 803 |
| Retained earnings to average equity (ytd only) | 14.3509% | 276 |
| Net charge-offs to loans | 0.0248% | 5,797 |
| Credit loss provision to net charge-offs | 642.8571% | 420 |
| Earnings coverage of net charge-offs (x) | 191.2069% | 201 |
| Efficiency ratio | 49.7559% | 6,846 |
| Assets per employee ($millions) | 4.5829% | 2,783 |
| Cash dividends to net income (ytd only)* | 5.6501% | 3,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 5,762 |
| Loan loss allowance to noncurrent loans | 269.6203% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 6,483 |
| Noncurrent loans to loans | 0.4198% | 6,001 |
| Net loans and leases to total assets | 54.1342% | 5,141 |
| Net loans and leases to deposits | 62.5214% | 5,340 |
| Net loans and leases to core deposits | 67.5390% | 5,233 |
| Total domestic deposits to total assets | 86.5850% | 2,885 |
| Equity capital to assets | 12.2134% | 2,083 |
| Core capital (leverage) ratio | 11.3982% | 2,103 |
| Tier 1 risk-based capital ratio | 17.0822% | 2,614 |
| Total risk-based capital ratio | 17.9961% | 2,720 |
| Memoranda: | ||
| Average total assets | $68,541,750 | 5,825 |
| Average earning assets | $61,058,500 | 5,868 |
| Average equity | $7,757,750 | 5,674 |
| Average total loans | $37,619,000 | 5,857 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3015% | 1,883 |
| Cost of funding earning assets | 0.8186% | 5,255 |
| Net interest margin | 4.4829% | 1,176 |
| Noninterest income to average assets | 1.0427% | 1,212 |
| Noninterest expense to average assets | 2.5849% | 5,243 |
| Loan and lease loss provision to assets | 0.0876% | 5,215 |
| Net operating income to assets | 1.6036% | 729 |
| Return on assets (ROA) | 1.6473% | 710 |
| Pretax return on assets | 2.4330% | 274 |
| Return on Equity (ROE) | 14.9503% | 811 |
| Retained earnings to average equity (ytd only) | 14.9503% | 254 |
| Net charge-offs to loans | -0.0479% | 7,020 |
| Credit loss provision to net charge-offs | -333.3333% | 6,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2746% | 6,854 |
| Assets per employee ($millions) | 4.7299% | 2,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1262% | 5,842 |
| Loan loss allowance to noncurrent loans | 189.3805% | 1,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3185% | 6,332 |
| Noncurrent loans to loans | 0.5947% | 5,734 |
| Net loans and leases to total assets | 52.9641% | 5,442 |
| Net loans and leases to deposits | 60.2775% | 5,699 |
| Net loans and leases to core deposits | 64.8741% | 5,623 |
| Total domestic deposits to total assets | 87.8672% | 2,227 |
| Equity capital to assets | 11.2533% | 2,722 |
| Core capital (leverage) ratio | 10.9344% | 2,311 |
| Tier 1 risk-based capital ratio | 15.7804% | 3,089 |
| Total risk-based capital ratio | 16.6585% | 3,234 |
| Memoranda: | ||
| Average total assets | $68,474,330 | 5,874 |
| Average earning assets | $61,076,670 | 5,919 |
| Average equity | $7,545,000 | 5,751 |
| Average total loans | $37,612,000 | 5,909 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 2,215 |
| Cost of funding earning assets | 0.8450% | 5,304 |
| Net interest margin | 4.3572% | 1,404 |
| Noninterest income to average assets | 0.9816% | 1,384 |
| Noninterest expense to average assets | 2.5343% | 5,436 |
| Loan and lease loss provision to assets | 0.0892% | 4,896 |
| Net operating income to assets | 1.5518% | 773 |
| Return on assets (ROA) | 1.6003% | 738 |
| Pretax return on assets | 2.3558% | 311 |
| Return on Equity (ROE) | 14.6884% | 872 |
| Retained earnings to average equity (ytd only) | 14.6884% | 420 |
| Net charge-offs to loans | -0.1069% | 7,106 |
| Credit loss provision to net charge-offs | -150.0000% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6364% | 6,883 |
| Assets per employee ($millions) | 5.0138% | 2,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1166% | 5,985 |
| Loan loss allowance to noncurrent loans | 165.8635% | 1,770 |
| Noncurrent assets plus other real estate owned to assets | 0.3547% | 6,319 |
| Noncurrent loans to loans | 0.6732% | 5,684 |
| Net loans and leases to total assets | 52.1035% | 5,572 |
| Net loans and leases to deposits | 58.8104% | 5,849 |
| Net loans and leases to core deposits | 63.3683% | 5,795 |
| Total domestic deposits to total assets | 88.5957% | 2,019 |
| Equity capital to assets | 10.6578% | 3,030 |
| Core capital (leverage) ratio | 10.5959% | 2,511 |
| Tier 1 risk-based capital ratio | 15.5746% | 3,119 |
| Total risk-based capital ratio | 16.4442% | 3,276 |
| Memoranda: | ||
| Average total assets | $67,237,500 | 5,961 |
| Average earning assets | $60,589,000 | 5,976 |
| Average equity | $7,325,500 | 5,835 |
| Average total loans | $37,415,500 | 5,973 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6965% | 1,581 |
| Cost of funding earning assets | 1.1152% | 5,048 |
| Net interest margin | 4.5813% | 1,049 |
| Noninterest income to average assets | 1.0052% | 1,488 |
| Noninterest expense to average assets | 3.0350% | 3,710 |
| Loan and lease loss provision to assets | 0.0892% | 6,252 |
| Net operating income to assets | 1.3518% | 1,044 |
| Return on assets (ROA) | 1.4218% | 972 |
| Pretax return on assets | 1.9812% | 502 |
| Return on Equity (ROE) | 12.6336% | 1,184 |
| Retained earnings to average equity (ytd only) | 11.6252% | 309 |
| Net charge-offs to loans | -0.0200% | 7,369 |
| Credit loss provision to net charge-offs | -785.7143% | 7,137 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6021% | 5,953 |
| Assets per employee ($millions) | 4.5916% | 2,720 |
| Cash dividends to net income (ytd only)* | 7.9818% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 6,257 |
| Loan loss allowance to noncurrent loans | 150.9728% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 6,269 |
| Noncurrent loans to loans | 0.6791% | 5,685 |
| Net loans and leases to total assets | 58.2698% | 4,983 |
| Net loans and leases to deposits | 66.1784% | 5,377 |
| Net loans and leases to core deposits | 71.5497% | 5,260 |
| Total domestic deposits to total assets | 88.0495% | 2,216 |
| Equity capital to assets | 11.1540% | 2,549 |
| Core capital (leverage) ratio | 11.1735% | 2,033 |
| Tier 1 risk-based capital ratio | 15.3198% | 3,085 |
| Total risk-based capital ratio | 16.1537% | 3,260 |
| Memoranda: | ||
| Average total assets | $61,680,400 | 6,141 |
| Average earning assets | $53,893,000 | 6,218 |
| Average equity | $6,941,800 | 6,051 |
| Average total loans | $34,972,400 | 6,155 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7583% | 1,518 |
| Cost of funding earning assets | 1.1769% | 4,997 |
| Net interest margin | 4.5814% | 1,081 |
| Noninterest income to average assets | 0.9285% | 1,697 |
| Noninterest expense to average assets | 2.6129% | 5,274 |
| Loan and lease loss provision to assets | 0.0437% | 6,653 |
| Net operating income to assets | 1.5393% | 848 |
| Return on assets (ROA) | 1.6298% | 766 |
| Pretax return on assets | 2.3660% | 289 |
| Return on Equity (ROE) | 14.4470% | 946 |
| Retained earnings to average equity (ytd only) | 14.4470% | 242 |
| Net charge-offs to loans | -0.0195% | 7,351 |
| Credit loss provision to net charge-offs | -400.0000% | 6,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4167% | 6,845 |
| Assets per employee ($millions) | 4.4499% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9909% | 6,437 |
| Loan loss allowance to noncurrent loans | 223.5669% | 1,304 |
| Noncurrent assets plus other real estate owned to assets | 0.2520% | 6,738 |
| Noncurrent loans to loans | 0.4432% | 6,307 |
| Net loans and leases to total assets | 56.2979% | 5,506 |
| Net loans and leases to deposits | 64.7557% | 5,814 |
| Net loans and leases to core deposits | 70.2598% | 5,720 |
| Total domestic deposits to total assets | 86.9388% | 2,567 |
| Equity capital to assets | 11.8894% | 2,230 |
| Core capital (leverage) ratio | 11.3288% | 2,047 |
| Tier 1 risk-based capital ratio | 16.2669% | 2,648 |
| Total risk-based capital ratio | 17.0749% | 2,798 |
| Memoranda: | ||
| Average total assets | $61,030,000 | 6,230 |
| Average earning assets | $52,791,750 | 6,337 |
| Average equity | $6,884,750 | 6,152 |
| Average total loans | $34,254,250 | 6,280 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7356% | 1,612 |
| Cost of funding earning assets | 1.2407% | 4,892 |
| Net interest margin | 4.4949% | 1,221 |
| Noninterest income to average assets | 0.8580% | 1,846 |
| Noninterest expense to average assets | 2.6136% | 5,269 |
| Loan and lease loss provision to assets | 0.0330% | 6,621 |
| Net operating income to assets | 1.4077% | 1,080 |
| Return on assets (ROA) | 1.4487% | 1,063 |
| Pretax return on assets | 2.1087% | 481 |
| Return on Equity (ROE) | 13.0836% | 1,218 |
| Retained earnings to average equity (ytd only) | 13.0836% | 371 |
| Net charge-offs to loans | -0.0295% | 7,344 |
| Credit loss provision to net charge-offs | -200.0000% | 6,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6571% | 6,681 |
| Assets per employee ($millions) | 4.4402% | 2,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 6,464 |
| Loan loss allowance to noncurrent loans | 1,217.8571% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0450% | 7,279 |
| Noncurrent loans to loans | 0.0809% | 7,106 |
| Net loans and leases to total assets | 55.1614% | 5,823 |
| Net loans and leases to deposits | 62.5867% | 6,177 |
| Net loans and leases to core deposits | 67.8325% | 6,068 |
| Total domestic deposits to total assets | 88.1360% | 1,935 |
| Equity capital to assets | 11.0789% | 2,784 |
| Core capital (leverage) ratio | 10.9127% | 2,314 |
| Tier 1 risk-based capital ratio | 16.0668% | 2,641 |
| Total risk-based capital ratio | 16.8774% | 2,804 |
| Memoranda: | ||
| Average total assets | $60,607,000 | 6,281 |
| Average earning assets | $51,747,000 | 6,415 |
| Average equity | $6,710,670 | 6,234 |
| Average total loans | $33,864,330 | 6,342 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 1,846 |
| Cost of funding earning assets | 1.3557% | 4,447 |
| Net interest margin | 4.3253% | 1,610 |
| Noninterest income to average assets | 0.8357% | 1,861 |
| Noninterest expense to average assets | 2.6275% | 5,239 |
| Loan and lease loss provision to assets | 0.0669% | 5,965 |
| Net operating income to assets | 1.1939% | 1,556 |
| Return on assets (ROA) | 1.2770% | 1,417 |
| Pretax return on assets | 1.8453% | 818 |
| Return on Equity (ROE) | 11.5364% | 1,630 |
| Retained earnings to average equity (ytd only) | 11.5364% | 824 |
| Net charge-offs to loans | 0.0119% | 5,418 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 268.0000% | 125 |
| Efficiency ratio | 59.4554% | 6,266 |
| Assets per employee ($millions) | 4.3523% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 6,500 |
| Loan loss allowance to noncurrent loans | 1,595.2381% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 7,411 |
| Noncurrent loans to loans | 0.0623% | 7,244 |
| Net loans and leases to total assets | 54.7889% | 5,918 |
| Net loans and leases to deposits | 61.8291% | 6,291 |
| Net loans and leases to core deposits | 66.6920% | 6,235 |
| Total domestic deposits to total assets | 88.6135% | 1,727 |
| Equity capital to assets | 10.7546% | 2,998 |
| Core capital (leverage) ratio | 10.7638% | 2,400 |
| Tier 1 risk-based capital ratio | 15.8295% | 2,713 |
| Total risk-based capital ratio | 16.6440% | 2,877 |
| Memoranda: | ||
| Average total assets | $59,829,000 | 6,390 |
| Average earning assets | $49,569,000 | 6,565 |
| Average equity | $6,622,500 | 6,312 |
| Average total loans | $33,481,000 | 6,436 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2688% | 1,082 |
| Cost of funding earning assets | 1.7157% | 4,426 |
| Net interest margin | 4.5531% | 1,067 |
| Noninterest income to average assets | 0.9915% | 1,606 |
| Noninterest expense to average assets | 2.8551% | 4,723 |
| Loan and lease loss provision to assets | 0.6212% | 3,319 |
| Net operating income to assets | 1.0293% | 1,745 |
| Return on assets (ROA) | 1.0307% | 1,784 |
| Pretax return on assets | 1.4383% | 1,336 |
| Return on Equity (ROE) | 8.5598% | 2,174 |
| Retained earnings to average equity (ytd only) | 2.4573% | 3,418 |
| Net charge-offs to loans | 0.7821% | 2,870 |
| Credit loss provision to net charge-offs | 132.6360% | 3,776 |
| Earnings coverage of net charge-offs (x) | 4.3933% | 2,966 |
| Efficiency ratio | 58.1173% | 6,745 |
| Assets per employee ($millions) | 4.5174% | 2,893 |
| Cash dividends to net income (ytd only)* | 71.2928% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 6,485 |
| Loan loss allowance to noncurrent loans | 1,253.8462% | 303 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 7,395 |
| Noncurrent loans to loans | 0.0782% | 7,223 |
| Net loans and leases to total assets | 56.0518% | 5,946 |
| Net loans and leases to deposits | 63.6114% | 6,317 |
| Net loans and leases to core deposits | 86.9210% | 5,436 |
| Total domestic deposits to total assets | 88.1160% | 1,915 |
| Equity capital to assets | 11.3953% | 2,399 |
| Core capital (leverage) ratio | 11.4268% | 1,961 |
| Tier 1 risk-based capital ratio | 16.3374% | 2,383 |
| Total risk-based capital ratio | 17.1424% | 2,499 |
| Memoranda: | ||
| Average total assets | $51,031,400 | 6,666 |
| Average earning assets | $43,947,600 | 6,767 |
| Average equity | $6,145,000 | 6,550 |
| Average total loans | $30,557,400 | 6,597 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3505% | 1,026 |
| Cost of funding earning assets | 1.7597% | 4,594 |
| Net interest margin | 4.5908% | 1,004 |
| Noninterest income to average assets | 1.0670% | 1,391 |
| Noninterest expense to average assets | 2.6743% | 5,436 |
| Loan and lease loss provision to assets | 0.5512% | 3,183 |
| Net operating income to assets | 1.2850% | 1,255 |
| Return on assets (ROA) | 1.2869% | 1,323 |
| Pretax return on assets | 1.8462% | 734 |
| Return on Equity (ROE) | 10.5185% | 1,758 |
| Retained earnings to average equity (ytd only) | 6.0803% | 1,910 |
| Net charge-offs to loans | 0.4417% | 3,474 |
| Credit loss provision to net charge-offs | 205.0505% | 2,167 |
| Earnings coverage of net charge-offs (x) | 8.9089% | 2,181 |
| Efficiency ratio | 52.7584% | 7,352 |
| Assets per employee ($millions) | 4.4491% | 2,940 |
| Cash dividends to net income (ytd only)* | 42.1944% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1124% | 5,651 |
| Loan loss allowance to noncurrent loans | 383.6957% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.1591% | 7,142 |
| Noncurrent loans to loans | 0.2899% | 6,783 |
| Net loans and leases to total assets | 54.2533% | 6,354 |
| Net loans and leases to deposits | 62.1760% | 6,656 |
| Net loans and leases to core deposits | 88.5862% | 5,582 |
| Total domestic deposits to total assets | 87.2575% | 2,045 |
| Equity capital to assets | 12.0198% | 2,230 |
| Core capital (leverage) ratio | 12.8695% | 1,424 |
| Tier 1 risk-based capital ratio | 17.5011% | 2,120 |
| Total risk-based capital ratio | 18.4079% | 2,175 |
| Memoranda: | ||
| Average total assets | $49,107,750 | 6,799 |
| Average earning assets | $42,809,250 | 6,877 |
| Average equity | $6,008,250 | 6,662 |
| Average total loans | $29,886,000 | 6,687 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5506% | 729 |
| Cost of funding earning assets | 1.8281% | 4,618 |
| Net interest margin | 4.7226% | 773 |
| Noninterest income to average assets | 1.0823% | 1,360 |
| Noninterest expense to average assets | 2.4850% | 6,167 |
| Loan and lease loss provision to assets | 0.5541% | 2,802 |
| Net operating income to assets | 1.5080% | 821 |
| Return on assets (ROA) | 1.5109% | 874 |
| Pretax return on assets | 2.2079% | 354 |
| Return on Equity (ROE) | 12.2592% | 1,344 |
| Retained earnings to average equity (ytd only) | 5.2339% | 2,377 |
| Net charge-offs to loans | 0.6218% | 2,479 |
| Credit loss provision to net charge-offs | 140.6593% | 3,314 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,510 |
| Efficiency ratio | 47.3988% | 7,788 |
| Assets per employee ($millions) | 4.6757% | 2,493 |
| Cash dividends to net income (ytd only)* | 57.3066% | 1,770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9387% | 6,603 |
| Loan loss allowance to noncurrent loans | 794.4444% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 7,392 |
| Noncurrent loans to loans | 0.1182% | 7,220 |
| Net loans and leases to total assets | 64.5486% | 4,869 |
| Net loans and leases to deposits | 74.0184% | 5,450 |
| Net loans and leases to core deposits | 114.1706% | 2,892 |
| Total domestic deposits to total assets | 87.2062% | 2,147 |
| Equity capital to assets | 12.1736% | 2,111 |
| Core capital (leverage) ratio | 12.4429% | 1,643 |
| Tier 1 risk-based capital ratio | 16.1102% | 2,584 |
| Total risk-based capital ratio | 16.9201% | 2,675 |
| Memoranda: | ||
| Average total assets | $46,197,670 | 6,974 |
| Average earning assets | $40,698,330 | 7,027 |
| Average equity | $5,693,670 | 6,836 |
| Average total loans | $29,270,670 | 6,774 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4574% | 942 |
| Cost of funding earning assets | 1.8900% | 4,681 |
| Net interest margin | 4.5674% | 999 |
| Noninterest income to average assets | 1.0976% | 1,240 |
| Noninterest expense to average assets | 2.4304% | 6,096 |
| Loan and lease loss provision to assets | 0.1045% | 5,631 |
| Net operating income to assets | 1.7509% | 582 |
| Return on assets (ROA) | 1.7509% | 636 |
| Pretax return on assets | 2.6046% | 215 |
| Return on Equity (ROE) | 14.1189% | 1,142 |
| Retained earnings to average equity (ytd only) | 14.1189% | 511 |
| Net charge-offs to loans | -0.0279% | 7,535 |
| Credit loss provision to net charge-offs | -600.0000% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2881% | 7,767 |
| Assets per employee ($millions) | 4.5624% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9105% | 6,697 |
| Loan loss allowance to noncurrent loans | 547.9167% | 643 |
| Noncurrent assets plus other real estate owned to assets | 0.1052% | 7,273 |
| Noncurrent loans to loans | 0.1662% | 7,050 |
| Net loans and leases to total assets | 62.7367% | 5,203 |
| Net loans and leases to deposits | 72.5386% | 5,675 |
| Net loans and leases to core deposits | 108.5273% | 3,612 |
| Total domestic deposits to total assets | 86.4874% | 2,452 |
| Equity capital to assets | 12.6578% | 1,904 |
| Core capital (leverage) ratio | 12.6176% | 1,638 |
| Tier 1 risk-based capital ratio | 17.1882% | 2,278 |
| Total risk-based capital ratio | 17.9757% | 2,364 |
| Memoranda: | ||
| Average total assets | $45,918,000 | 7,032 |
| Average earning assets | $40,635,500 | 7,072 |
| Average equity | $5,694,500 | 6,881 |
| Average total loans | $28,672,500 | 6,835 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6896% | 2,065 |
| Cost of funding earning assets | 2.3175% | 5,074 |
| Net interest margin | 4.3721% | 1,767 |
| Noninterest income to average assets | 1.1414% | 1,189 |
| Noninterest expense to average assets | 2.9336% | 4,324 |
| Loan and lease loss provision to assets | 0.2477% | 4,437 |
| Net operating income to assets | 1.3041% | 1,475 |
| Return on assets (ROA) | 1.3041% | 1,422 |
| Pretax return on assets | 1.8772% | 804 |
| Return on Equity (ROE) | 9.7427% | 2,345 |
| Retained earnings to average equity (ytd only) | 3.7556% | 2,798 |
| Net charge-offs to loans | 0.2214% | 4,013 |
| Credit loss provision to net charge-offs | 175.8621% | 2,888 |
| Earnings coverage of net charge-offs (x) | 15.0862% | 1,963 |
| Efficiency ratio | 57.9933% | 6,695 |
| Assets per employee ($millions) | 4.6212% | 2,443 |
| Cash dividends to net income (ytd only)* | 61.4525% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8714% | 6,802 |
| Loan loss allowance to noncurrent loans | 4,133.3333% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0130% | 7,563 |
| Noncurrent loans to loans | 0.0211% | 7,435 |
| Net loans and leases to total assets | 61.0469% | 5,764 |
| Net loans and leases to deposits | 70.0929% | 6,271 |
| Net loans and leases to core deposits | 97.1788% | 5,130 |
| Total domestic deposits to total assets | 87.0943% | 1,891 |
| Equity capital to assets | 12.1484% | 2,192 |
| Core capital (leverage) ratio | 13.0060% | 1,540 |
| Tier 1 risk-based capital ratio | 16.4479% | 2,505 |
| Total risk-based capital ratio | 17.1843% | 2,632 |
| Memoranda: | ||
| Average total assets | $41,178,400 | 7,160 |
| Average earning assets | $36,893,000 | 7,196 |
| Average equity | $5,511,800 | 6,975 |
| Average total loans | $26,196,400 | 6,954 |