Home > The Riley State Bank of Riley, Kansas > Performance and Condition Ratios
The Riley State Bank of Riley, 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 | 4.4756% | 3,132 |
| Cost of funding earning assets | 1.4614% | 2,045 |
| Net interest margin | 3.0142% | 3,249 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.2329% | 3,034 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8654% | 2,652 |
| Return on assets (ROA) | 0.8654% | 2,627 |
| Pretax return on assets | 0.9129% | 2,927 |
| Return on Equity (ROE) | 9.1600% | 2,715 |
| Retained earnings to average equity (ytd only) | 3.9498% | 2,973 |
| Net charge-offs to loans | 0.1055% | 872 |
| Credit loss provision to net charge-offs | 1.3514% | 2,396 |
| Earnings coverage of net charge-offs (x) | 13.7973% | 2,098 |
| Efficiency ratio | 70.9613% | 1,763 |
| Assets per employee ($millions) | 5.6215% | 3,143 |
| Cash dividends to net income (ytd only)* | 56.8769% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6082% | 820 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 63.1800% | 2,550 |
| Net loans and leases to deposits | 73.1735% | 2,680 |
| Net loans and leases to core deposits | 89.4913% | 2,088 |
| Total domestic deposits to total assets | 86.3400% | 1,902 |
| Equity capital to assets | 9.7190% | 2,186 |
| Core capital (leverage) ratio | 10.7570% | 2,126 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $111,736,600 | 3,729 |
| Average earning assets | $106,063,400 | 3,686 |
| Average equity | $10,557,400 | 3,656 |
| Average total loans | $70,153,800 | 3,544 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3312% | 3,239 |
| Cost of funding earning assets | 1.4015% | 1,863 |
| Net interest margin | 2.9296% | 3,480 |
| Noninterest income to average assets | 0.3200% | 2,979 |
| Noninterest expense to average assets | 2.1345% | 3,254 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9250% | 2,601 |
| Return on assets (ROA) | 0.9250% | 2,585 |
| Pretax return on assets | 0.9752% | 2,920 |
| Return on Equity (ROE) | 9.8600% | 2,675 |
| Retained earnings to average equity (ytd only) | 7.3131% | 2,195 |
| Net charge-offs to loans | 0.0574% | 1,096 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 27.2000% | 1,646 |
| Efficiency ratio | 68.6395% | 1,945 |
| Assets per employee ($millions) | 5.5094% | 3,174 |
| Cash dividends to net income (ytd only)* | 25.8398% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7581% | 617 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 61.0600% | 2,742 |
| Net loans and leases to deposits | 71.1357% | 2,763 |
| Net loans and leases to core deposits | 85.7099% | 2,204 |
| Total domestic deposits to total assets | 85.8300% | 2,250 |
| Equity capital to assets | 9.7506% | 1,961 |
| Core capital (leverage) ratio | 10.7444% | 2,188 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $111,563,500 | 3,739 |
| Average earning assets | $106,358,250 | 3,696 |
| Average equity | $10,465,000 | 3,671 |
| Average total loans | $69,644,250 | 3,563 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1500% | 3,396 |
| Cost of funding earning assets | 1.2706% | 1,789 |
| Net interest margin | 2.8794% | 3,681 |
| Noninterest income to average assets | 0.3200% | 2,963 |
| Noninterest expense to average assets | 2.0942% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.9266% | 2,664 |
| Return on assets (ROA) | 0.9266% | 2,650 |
| Pretax return on assets | 0.9802% | 2,972 |
| Return on Equity (ROE) | 10.0100% | 2,694 |
| Retained earnings to average equity (ytd only) | 6.1512% | 2,570 |
| Net charge-offs to loans | -0.1085% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.1185% | 1,970 |
| Assets per employee ($millions) | 5.6958% | 2,978 |
| Cash dividends to net income (ytd only)* | 38.5356% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8219% | 577 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 60.1700% | 2,753 |
| Net loans and leases to deposits | 70.9338% | 2,723 |
| Net loans and leases to core deposits | 83.4772% | 2,239 |
| Total domestic deposits to total assets | 84.8300% | 2,590 |
| Equity capital to assets | 9.2235% | 2,358 |
| Core capital (leverage) ratio | 10.4567% | 2,346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $112,022,000 | 3,748 |
| Average earning assets | $107,036,000 | 3,699 |
| Average equity | $10,372,000 | 3,690 |
| Average total loans | $70,031,667 | 3,567 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0303% | 3,392 |
| Cost of funding earning assets | 1.0519% | 1,879 |
| Net interest margin | 2.9784% | 3,645 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 2.1643% | 3,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8427% | 3,041 |
| Return on assets (ROA) | 0.8427% | 2,999 |
| Pretax return on assets | 0.9039% | 3,229 |
| Return on Equity (ROE) | 9.0800% | 3,025 |
| Retained earnings to average equity (ytd only) | 9.0834% | 1,925 |
| Net charge-offs to loans | -0.2110% | 4,596 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.5399% | 1,701 |
| Assets per employee ($millions) | 5.5030% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 646 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 62.5200% | 2,413 |
| Net loans and leases to deposits | 71.4551% | 2,507 |
| Net loans and leases to core deposits | 80.8678% | 2,189 |
| Total domestic deposits to total assets | 87.5000% | 2,090 |
| Equity capital to assets | 9.5693% | 2,086 |
| Core capital (leverage) ratio | 10.1873% | 2,513 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $111,075,000 | 3,814 |
| Average earning assets | $106,097,000 | 3,760 |
| Average equity | $10,304,500 | 3,744 |
| Average total loans | $70,139,500 | 3,602 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3479% | 3,477 |
| Cost of funding earning assets | 0.6226% | 821 |
| Net interest margin | 2.7253% | 4,022 |
| Noninterest income to average assets | 0.5300% | 1,938 |
| Noninterest expense to average assets | 2.0918% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9944% | 2,588 |
| Return on assets (ROA) | 0.9944% | 2,539 |
| Pretax return on assets | 1.0326% | 2,967 |
| Return on Equity (ROE) | 10.8500% | 2,529 |
| Retained earnings to average equity (ytd only) | 5.0368% | 3,036 |
| Net charge-offs to loans | 0.0519% | 1,149 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 33.2286% | 1,626 |
| Efficiency ratio | 66.9508% | 2,096 |
| Assets per employee ($millions) | 5.8995% | 2,850 |
| Cash dividends to net income (ytd only)* | 53.5714% | 1,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7579% | 715 |
| Loan loss allowance to noncurrent loans | 5,876.1905% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0187% | 3,657 |
| Noncurrent loans to loans | 0.0299% | 3,576 |
| Net loans and leases to total assets | 61.5200% | 2,491 |
| Net loans and leases to deposits | 73.5140% | 2,292 |
| Net loans and leases to core deposits | 81.7744% | 2,023 |
| Total domestic deposits to total assets | 83.6900% | 3,275 |
| Equity capital to assets | 8.9901% | 2,363 |
| Core capital (leverage) ratio | 10.2098% | 2,453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $112,632,200 | 3,803 |
| Average earning assets | $107,292,400 | 3,757 |
| Average equity | $10,324,000 | 3,830 |
| Average total loans | $67,462,000 | 3,619 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2641% | 3,273 |
| Cost of funding earning assets | 0.5852% | 468 |
| Net interest margin | 2.6788% | 3,970 |
| Noninterest income to average assets | 0.6200% | 1,634 |
| Noninterest expense to average assets | 2.0313% | 3,397 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0984% | 2,109 |
| Return on assets (ROA) | 1.0984% | 2,071 |
| Pretax return on assets | 1.1398% | 2,595 |
| Return on Equity (ROE) | 11.9300% | 2,055 |
| Retained earnings to average equity (ytd only) | 8.0750% | 1,971 |
| Net charge-offs to loans | -0.0060% | 3,535 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.0567% | 2,547 |
| Assets per employee ($millions) | 5.6416% | 3,084 |
| Cash dividends to net income (ytd only)* | 32.2928% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9522% | 543 |
| Loan loss allowance to noncurrent loans | 3,028.5714% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0372% | 3,543 |
| Noncurrent loans to loans | 0.0645% | 3,412 |
| Net loans and leases to total assets | 56.6200% | 2,840 |
| Net loans and leases to deposits | 64.1175% | 2,858 |
| Net loans and leases to core deposits | 67.2130% | 2,863 |
| Total domestic deposits to total assets | 88.3100% | 2,327 |
| Equity capital to assets | 8.8875% | 2,294 |
| Core capital (leverage) ratio | 10.0248% | 2,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $112,767,750 | 3,825 |
| Average earning assets | $107,307,750 | 3,776 |
| Average equity | $10,385,750 | 3,874 |
| Average total loans | $66,778,500 | 3,654 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1896% | 3,075 |
| Cost of funding earning assets | 0.5854% | 313 |
| Net interest margin | 2.6043% | 3,901 |
| Noninterest income to average assets | 0.7681% | 1,129 |
| Noninterest expense to average assets | 1.9672% | 3,524 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2364% | 1,310 |
| Return on assets (ROA) | 1.2364% | 1,293 |
| Pretax return on assets | 1.2790% | 1,816 |
| Return on Equity (ROE) | 13.2699% | 1,303 |
| Retained earnings to average equity (ytd only) | 7.5583% | 1,788 |
| Net charge-offs to loans | -0.0089% | 3,549 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6011% | 3,226 |
| Assets per employee ($millions) | 5.2560% | 3,469 |
| Cash dividends to net income (ytd only)* | 43.0416% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9395% | 617 |
| Loan loss allowance to noncurrent loans | 3,347.3684% | 352 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 3,652 |
| Noncurrent loans to loans | 0.0579% | 3,516 |
| Net loans and leases to total assets | 55.6170% | 2,796 |
| Net loans and leases to deposits | 62.9599% | 2,810 |
| Net loans and leases to core deposits | 65.9107% | 2,825 |
| Total domestic deposits to total assets | 88.3371% | 2,445 |
| Equity capital to assets | 8.8756% | 2,471 |
| Core capital (leverage) ratio | 9.7207% | 2,697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,746,333 | 3,866 |
| Average earning assets | $107,285,000 | 3,833 |
| Average equity | $10,505,000 | 3,934 |
| Average total loans | $67,318,667 | 3,668 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1983% | 2,692 |
| Cost of funding earning assets | 0.5935% | 274 |
| Net interest margin | 2.6048% | 3,649 |
| Noninterest income to average assets | 0.7727% | 1,107 |
| Noninterest expense to average assets | 2.0269% | 3,362 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1788% | 1,303 |
| Return on assets (ROA) | 1.1788% | 1,301 |
| Pretax return on assets | 1.2219% | 1,727 |
| Return on Equity (ROE) | 12.3471% | 1,210 |
| Retained earnings to average equity (ytd only) | 12.3471% | 549 |
| Net charge-offs to loans | -0.0117% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3894% | 3,216 |
| Assets per employee ($millions) | 6.0153% | 2,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8828% | 766 |
| Loan loss allowance to noncurrent loans | 3,631.4286% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 3,730 |
| Noncurrent loans to loans | 0.0518% | 3,608 |
| Net loans and leases to total assets | 57.9529% | 2,302 |
| Net loans and leases to deposits | 65.8360% | 2,351 |
| Net loans and leases to core deposits | 68.8156% | 2,385 |
| Total domestic deposits to total assets | 88.0262% | 2,513 |
| Equity capital to assets | 9.1547% | 2,568 |
| Core capital (leverage) ratio | 9.7926% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,303,500 | 3,899 |
| Average earning assets | $105,805,000 | 3,861 |
| Average equity | $10,626,000 | 3,991 |
| Average total loans | $68,186,500 | 3,653 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7260% | 2,041 |
| Cost of funding earning assets | 0.6717% | 367 |
| Net interest margin | 3.0543% | 3,038 |
| Noninterest income to average assets | 0.2778% | 3,724 |
| Noninterest expense to average assets | 2.0920% | 3,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.0276% | 2,571 |
| Return on assets (ROA) | 1.0276% | 2,639 |
| Pretax return on assets | 1.0761% | 3,046 |
| Return on Equity (ROE) | 10.5888% | 2,313 |
| Retained earnings to average equity (ytd only) | 5.9568% | 2,381 |
| Net charge-offs to loans | 0.0205% | 1,867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 92.0769% | 914 |
| Efficiency ratio | 66.0329% | 2,255 |
| Assets per employee ($millions) | 5.1579% | 3,591 |
| Cash dividends to net income (ytd only)* | 43.7445% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8427% | 807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 62.4081% | 1,892 |
| Net loans and leases to deposits | 71.7258% | 1,938 |
| Net loans and leases to core deposits | 75.1740% | 1,983 |
| Total domestic deposits to total assets | 87.0093% | 2,516 |
| Equity capital to assets | 9.9607% | 2,690 |
| Core capital (leverage) ratio | 9.9203% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,234,400 | 3,882 |
| Average earning assets | $105,260,800 | 3,851 |
| Average equity | $10,794,400 | 4,059 |
| Average total loans | $63,538,600 | 3,768 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9047% | 1,746 |
| Cost of funding earning assets | 0.6899% | 403 |
| Net interest margin | 3.2148% | 2,684 |
| Noninterest income to average assets | 0.2608% | 3,841 |
| Noninterest expense to average assets | 2.0101% | 3,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.2313% | 2,057 |
| Return on assets (ROA) | 1.2313% | 2,121 |
| Pretax return on assets | 1.2861% | 2,659 |
| Return on Equity (ROE) | 12.7701% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.3001% | 1,230 |
| Net charge-offs to loans | 0.0214% | 1,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 108.0000% | 834 |
| Efficiency ratio | 60.9827% | 2,836 |
| Assets per employee ($millions) | 5.2447% | 3,457 |
| Cash dividends to net income (ytd only)* | 19.3424% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9215% | 740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 58.9969% | 2,371 |
| Net loans and leases to deposits | 67.9345% | 2,439 |
| Net loans and leases to core deposits | 71.4099% | 2,480 |
| Total domestic deposits to total assets | 86.8438% | 2,412 |
| Equity capital to assets | 10.1736% | 2,736 |
| Core capital (leverage) ratio | 9.7401% | 2,775 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,964,000 | 3,925 |
| Average earning assets | $105,716,500 | 3,893 |
| Average equity | $10,795,750 | 4,110 |
| Average total loans | $62,206,500 | 3,832 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 1,106 |
| Cost of funding earning assets | 0.7118% | 439 |
| Net interest margin | 3.5308% | 1,767 |
| Noninterest income to average assets | 0.2718% | 3,776 |
| Noninterest expense to average assets | 1.9667% | 3,795 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.5599% | 1,147 |
| Return on assets (ROA) | 1.5599% | 1,209 |
| Pretax return on assets | 1.6274% | 1,664 |
| Return on Equity (ROE) | 16.4738% | 867 |
| Retained earnings to average equity (ytd only) | 14.5975% | 482 |
| Net charge-offs to loans | 0.0361% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 83.2727% | 824 |
| Efficiency ratio | 54.7207% | 3,711 |
| Assets per employee ($millions) | 5.5394% | 3,082 |
| Cash dividends to net income (ytd only)* | 11.3895% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0206% | 587 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 52.9812% | 3,255 |
| Net loans and leases to deposits | 60.4324% | 3,353 |
| Net loans and leases to core deposits | 63.5178% | 3,334 |
| Total domestic deposits to total assets | 87.6702% | 2,003 |
| Equity capital to assets | 9.5377% | 3,299 |
| Core capital (leverage) ratio | 9.4597% | 2,949 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,572,667 | 3,942 |
| Average earning assets | $105,924,667 | 3,914 |
| Average equity | $10,659,333 | 4,140 |
| Average total loans | $60,858,333 | 3,879 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0965% | 3,891 |
| Cost of funding earning assets | 0.7558% | 435 |
| Net interest margin | 2.3407% | 4,476 |
| Noninterest income to average assets | 0.2421% | 3,946 |
| Noninterest expense to average assets | 2.0236% | 3,647 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4011% | 4,357 |
| Return on assets (ROA) | 0.4011% | 4,384 |
| Pretax return on assets | 0.4119% | 4,469 |
| Return on Equity (ROE) | 4.2523% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.2523% | 3,435 |
| Net charge-offs to loans | 0.0668% | 874 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 11.4000% | 1,456 |
| Efficiency ratio | 83.0861% | 643 |
| Assets per employee ($millions) | 5.5007% | 3,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0634% | 530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 52.2655% | 3,422 |
| Net loans and leases to deposits | 59.4384% | 3,522 |
| Net loans and leases to core deposits | 63.8405% | 3,429 |
| Total domestic deposits to total assets | 87.9322% | 1,880 |
| Equity capital to assets | 9.0483% | 3,633 |
| Core capital (leverage) ratio | 9.2527% | 3,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $110,695,000 | 3,968 |
| Average earning assets | $103,729,000 | 3,942 |
| Average equity | $10,441,500 | 4,168 |
| Average total loans | $59,836,000 | 3,920 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9286% | 2,941 |
| Cost of funding earning assets | 1.0143% | 565 |
| Net interest margin | 2.9144% | 4,086 |
| Noninterest income to average assets | 0.2813% | 3,797 |
| Noninterest expense to average assets | 2.2556% | 3,522 |
| Loan and lease loss provision to assets | 0.0968% | 3,135 |
| Net operating income to assets | 0.6513% | 3,591 |
| Return on assets (ROA) | 0.6513% | 3,718 |
| Pretax return on assets | 0.6819% | 3,921 |
| Return on Equity (ROE) | 6.1375% | 3,536 |
| Retained earnings to average equity (ytd only) | 2.7758% | 3,475 |
| Net charge-offs to loans | 0.2082% | 835 |
| Credit loss provision to net charge-offs | 76.0000% | 3,005 |
| Earnings coverage of net charge-offs (x) | 6.1120% | 2,807 |
| Efficiency ratio | 74.0007% | 1,441 |
| Assets per employee ($millions) | 4.8125% | 3,597 |
| Cash dividends to net income (ytd only)* | 54.7731% | 1,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2111% | 399 |
| Loan loss allowance to noncurrent loans | 183.2857% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 1,585 |
| Noncurrent loans to loans | 1.2064% | 1,157 |
| Net loans and leases to total assets | 53.5938% | 3,527 |
| Net loans and leases to deposits | 61.5861% | 3,638 |
| Net loans and leases to core deposits | 66.3777% | 3,510 |
| Total domestic deposits to total assets | 87.0226% | 1,937 |
| Equity capital to assets | 9.8521% | 3,263 |
| Core capital (leverage) ratio | 9.6088% | 3,005 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,109,800 | 4,025 |
| Average earning assets | $92,679,200 | 3,989 |
| Average equity | $10,411,400 | 4,161 |
| Average total loans | $60,038,600 | 3,917 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1478% | 2,530 |
| Cost of funding earning assets | 1.0662% | 609 |
| Net interest margin | 3.0815% | 3,782 |
| Noninterest income to average assets | 0.2898% | 3,751 |
| Noninterest expense to average assets | 2.2127% | 3,652 |
| Loan and lease loss provision to assets | 0.1321% | 2,698 |
| Net operating income to assets | 0.8221% | 3,010 |
| Return on assets (ROA) | 0.8221% | 3,132 |
| Pretax return on assets | 0.8623% | 3,484 |
| Return on Equity (ROE) | 7.5958% | 2,965 |
| Retained earnings to average equity (ytd only) | 7.5958% | 1,463 |
| Net charge-offs to loans | -0.0374% | 4,602 |
| Credit loss provision to net charge-offs | -558.8235% | 3,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5690% | 2,100 |
| Assets per employee ($millions) | 4.6680% | 3,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3899% | 266 |
| Loan loss allowance to noncurrent loans | 152.2995% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.9105% | 1,259 |
| Noncurrent loans to loans | 1.5692% | 904 |
| Net loans and leases to total assets | 56.6347% | 3,559 |
| Net loans and leases to deposits | 66.1627% | 3,603 |
| Net loans and leases to core deposits | 72.4657% | 3,437 |
| Total domestic deposits to total assets | 85.5991% | 2,219 |
| Equity capital to assets | 10.4523% | 2,835 |
| Core capital (leverage) ratio | 10.2273% | 2,501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $96,170,750 | 4,044 |
| Average earning assets | $91,035,000 | 4,010 |
| Average equity | $10,409,000 | 4,170 |
| Average total loans | $60,541,750 | 3,925 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3716% | 2,277 |
| Cost of funding earning assets | 1.1311% | 651 |
| Net interest margin | 3.2406% | 3,554 |
| Noninterest income to average assets | 0.2979% | 3,685 |
| Noninterest expense to average assets | 2.1937% | 3,806 |
| Loan and lease loss provision to assets | 0.1383% | 2,632 |
| Net operating income to assets | 0.9958% | 2,344 |
| Return on assets (ROA) | 0.9958% | 2,471 |
| Pretax return on assets | 1.0383% | 2,905 |
| Return on Equity (ROE) | 9.0868% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.0868% | 983 |
| Net charge-offs to loans | -0.0066% | 4,087 |
| Credit loss provision to net charge-offs | -3,250.0000% | 4,018 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4571% | 2,757 |
| Assets per employee ($millions) | 4.5358% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2746% | 298 |
| Loan loss allowance to noncurrent loans | 235.0937% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5882% | 2,050 |
| Noncurrent loans to loans | 0.9675% | 1,599 |
| Net loans and leases to total assets | 59.4150% | 3,382 |
| Net loans and leases to deposits | 69.6289% | 3,446 |
| Net loans and leases to core deposits | 77.9790% | 3,106 |
| Total domestic deposits to total assets | 85.3309% | 2,261 |
| Equity capital to assets | 10.6386% | 2,630 |
| Core capital (leverage) ratio | 10.4617% | 2,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $93,996,000 | 4,070 |
| Average earning assets | $89,120,667 | 4,040 |
| Average equity | $10,300,667 | 4,189 |
| Average total loans | $60,860,667 | 3,924 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5067% | 2,297 |
| Cost of funding earning assets | 1.2080% | 756 |
| Net interest margin | 3.2987% | 3,599 |
| Noninterest income to average assets | 0.3732% | 3,277 |
| Noninterest expense to average assets | 2.3139% | 3,743 |
| Loan and lease loss provision to assets | 0.1537% | 1,863 |
| Net operating income to assets | 0.9835% | 2,231 |
| Return on assets (ROA) | 0.9835% | 2,334 |
| Pretax return on assets | 1.0231% | 2,768 |
| Return on Equity (ROE) | 8.8337% | 2,177 |
| Retained earnings to average equity (ytd only) | 8.8337% | 1,017 |
| Net charge-offs to loans | -0.0066% | 3,936 |
| Credit loss provision to net charge-offs | -3,500.0000% | 3,816 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6604% | 3,014 |
| Assets per employee ($millions) | 4.4122% | 3,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2358% | 357 |
| Loan loss allowance to noncurrent loans | 394.1520% | 1,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3691% | 2,966 |
| Noncurrent loans to loans | 0.5672% | 2,580 |
| Net loans and leases to total assets | 63.6160% | 3,112 |
| Net loans and leases to deposits | 75.2874% | 3,143 |
| Net loans and leases to core deposits | 86.0936% | 2,673 |
| Total domestic deposits to total assets | 84.4975% | 2,599 |
| Equity capital to assets | 11.1488% | 2,725 |
| Core capital (leverage) ratio | 10.9379% | 2,528 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,100,000 | 4,102 |
| Average earning assets | $86,094,500 | 4,076 |
| Average equity | $10,143,000 | 4,224 |
| Average total loans | $60,956,500 | 3,938 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6052% | 2,590 |
| Cost of funding earning assets | 1.1035% | 1,311 |
| Net interest margin | 3.5017% | 3,444 |
| Noninterest income to average assets | 0.4309% | 3,103 |
| Noninterest expense to average assets | 2.6056% | 3,160 |
| Loan and lease loss provision to assets | 0.1908% | 1,073 |
| Net operating income to assets | 0.9067% | 3,182 |
| Return on assets (ROA) | 0.9067% | 3,275 |
| Pretax return on assets | 0.9460% | 3,616 |
| Return on Equity (ROE) | 8.2273% | 3,074 |
| Retained earnings to average equity (ytd only) | 4.1544% | 2,884 |
| Net charge-offs to loans | 0.2958% | 704 |
| Credit loss provision to net charge-offs | 94.4444% | 2,598 |
| Earnings coverage of net charge-offs (x) | 5.6278% | 3,060 |
| Efficiency ratio | 69.0555% | 2,309 |
| Assets per employee ($millions) | 4.2640% | 3,561 |
| Cash dividends to net income (ytd only)* | 49.5050% | 2,081 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1308% | 378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 67.3501% | 2,777 |
| Net loans and leases to deposits | 79.8813% | 2,790 |
| Net loans and leases to core deposits | 88.7104% | 2,541 |
| Total domestic deposits to total assets | 84.3127% | 2,747 |
| Equity capital to assets | 11.1186% | 2,888 |
| Core capital (leverage) ratio | 10.7842% | 2,689 |
| Tier 1 risk-based capital ratio | 15.4365% | 2,603 |
| Total risk-based capital ratio | 16.6818% | 2,536 |
| Memoranda: | ||
| Average total assets | $89,115,200 | 4,159 |
| Average earning assets | $84,274,400 | 4,116 |
| Average equity | $9,821,000 | 4,266 |
| Average total loans | $60,860,800 | 3,968 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5992% | 2,725 |
| Cost of funding earning assets | 1.0706% | 1,466 |
| Net interest margin | 3.5286% | 3,479 |
| Noninterest income to average assets | 0.5453% | 2,488 |
| Noninterest expense to average assets | 2.5705% | 3,243 |
| Loan and lease loss provision to assets | 0.1648% | 1,131 |
| Net operating income to assets | 1.0950% | 2,589 |
| Return on assets (ROA) | 1.0950% | 2,685 |
| Pretax return on assets | 1.1474% | 3,144 |
| Return on Equity (ROE) | 9.9583% | 2,449 |
| Retained earnings to average equity (ytd only) | 7.5062% | 1,619 |
| Net charge-offs to loans | 0.1538% | 1,074 |
| Credit loss provision to net charge-offs | 157.1429% | 1,578 |
| Earnings coverage of net charge-offs (x) | 12.5144% | 2,350 |
| Efficiency ratio | 65.6636% | 2,777 |
| Assets per employee ($millions) | 4.1097% | 3,748 |
| Cash dividends to net income (ytd only)* | 24.6235% | 2,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2674% | 305 |
| Loan loss allowance to noncurrent loans | 12,381.8182% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 4,698 |
| Noncurrent loans to loans | 0.0183% | 4,593 |
| Net loans and leases to total assets | 64.9309% | 3,189 |
| Net loans and leases to deposits | 77.7944% | 3,116 |
| Net loans and leases to core deposits | 87.0647% | 2,813 |
| Total domestic deposits to total assets | 83.4648% | 3,005 |
| Equity capital to assets | 11.2030% | 2,920 |
| Core capital (leverage) ratio | 11.3039% | 2,374 |
| Tier 1 risk-based capital ratio | 15.9541% | 2,445 |
| Total risk-based capital ratio | 17.2157% | 2,385 |
| Memoranda: | ||
| Average total assets | $89,008,000 | 4,213 |
| Average earning assets | $84,187,000 | 4,175 |
| Average equity | $9,787,250 | 4,314 |
| Average total loans | $60,670,750 | 4,012 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6329% | 2,570 |
| Cost of funding earning assets | 1.0184% | 1,610 |
| Net interest margin | 3.6145% | 3,209 |
| Noninterest income to average assets | 0.3885% | 3,351 |
| Noninterest expense to average assets | 2.5028% | 3,470 |
| Loan and lease loss provision to assets | 0.1581% | 1,146 |
| Net operating income to assets | 1.0956% | 2,537 |
| Return on assets (ROA) | 1.0956% | 2,609 |
| Pretax return on assets | 1.1430% | 3,104 |
| Return on Equity (ROE) | 10.0276% | 2,368 |
| Retained earnings to average equity (ytd only) | 6.3060% | 2,137 |
| Net charge-offs to loans | 0.0164% | 2,563 |
| Credit loss provision to net charge-offs | 1,400.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 115.2000% | 625 |
| Efficiency ratio | 65.2019% | 2,946 |
| Assets per employee ($millions) | 4.2368% | 3,515 |
| Cash dividends to net income (ytd only)* | 37.1134% | 2,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3059% | 293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 66.0938% | 3,092 |
| Net loans and leases to deposits | 79.1241% | 3,044 |
| Net loans and leases to core deposits | 88.5071% | 2,747 |
| Total domestic deposits to total assets | 83.5319% | 3,040 |
| Equity capital to assets | 11.1024% | 2,943 |
| Core capital (leverage) ratio | 11.0373% | 2,561 |
| Tier 1 risk-based capital ratio | 15.8620% | 2,471 |
| Total risk-based capital ratio | 17.1247% | 2,406 |
| Memoranda: | ||
| Average total assets | $88,539,670 | 4,245 |
| Average earning assets | $83,662,670 | 4,210 |
| Average equity | $9,673,330 | 4,345 |
| Average total loans | $60,871,670 | 4,034 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5890% | 2,568 |
| Cost of funding earning assets | 0.9744% | 1,683 |
| Net interest margin | 3.6145% | 3,203 |
| Noninterest income to average assets | 0.4348% | 2,946 |
| Noninterest expense to average assets | 2.5361% | 3,402 |
| Loan and lease loss provision to assets | 0.1812% | 912 |
| Net operating income to assets | 1.0824% | 2,537 |
| Return on assets (ROA) | 1.0824% | 2,579 |
| Pretax return on assets | 1.1277% | 3,056 |
| Return on Equity (ROE) | 9.9885% | 2,376 |
| Retained earnings to average equity (ytd only) | 6.6451% | 2,181 |
| Net charge-offs to loans | 0.0065% | 2,466 |
| Credit loss provision to net charge-offs | 4,000.0000% | 102 |
| Earnings coverage of net charge-offs (x) | 289.0000% | 282 |
| Efficiency ratio | 65.3710% | 3,031 |
| Assets per employee ($millions) | 4.4797% | 3,224 |
| Cash dividends to net income (ytd only)* | 33.4728% | 2,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2768% | 310 |
| Loan loss allowance to noncurrent loans | 11,350.0000% | 75 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,802 |
| Noncurrent loans to loans | 0.0201% | 4,691 |
| Net loans and leases to total assets | 65.2499% | 3,141 |
| Net loans and leases to deposits | 77.7642% | 3,088 |
| Net loans and leases to core deposits | 83.1472% | 3,098 |
| Total domestic deposits to total assets | 83.9074% | 3,078 |
| Equity capital to assets | 10.8021% | 3,050 |
| Core capital (leverage) ratio | 10.7272% | 2,823 |
| Tier 1 risk-based capital ratio | 15.7461% | 2,551 |
| Total risk-based capital ratio | 17.0064% | 2,473 |
| Memoranda: | ||
| Average total assets | $88,323,500 | 4,289 |
| Average earning assets | $83,330,500 | 4,259 |
| Average equity | $9,571,000 | 4,394 |
| Average total loans | $61,211,000 | 4,065 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4965% | 2,468 |
| Cost of funding earning assets | 0.8376% | 1,353 |
| Net interest margin | 3.6589% | 3,193 |
| Noninterest income to average assets | 0.4260% | 3,270 |
| Noninterest expense to average assets | 2.6342% | 3,230 |
| Loan and lease loss provision to assets | 0.1608% | 1,274 |
| Net operating income to assets | 1.0541% | 2,785 |
| Return on assets (ROA) | 1.0541% | 2,772 |
| Pretax return on assets | 1.1024% | 3,261 |
| Return on Equity (ROE) | 9.9321% | 2,543 |
| Retained earnings to average equity (ytd only) | 5.2257% | 2,648 |
| Net charge-offs to loans | 0.1957% | 981 |
| Credit loss provision to net charge-offs | 115.7025% | 2,241 |
| Earnings coverage of net charge-offs (x) | 9.0909% | 2,838 |
| Efficiency ratio | 67.0301% | 2,705 |
| Assets per employee ($millions) | 4.1454% | 3,693 |
| Cash dividends to net income (ytd only)* | 47.3856% | 2,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1134% | 394 |
| Loan loss allowance to noncurrent loans | 8,268.7500% | 107 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 4,793 |
| Noncurrent loans to loans | 0.0256% | 4,662 |
| Net loans and leases to total assets | 70.3905% | 2,511 |
| Net loans and leases to deposits | 84.1613% | 2,495 |
| Net loans and leases to core deposits | 92.8777% | 2,331 |
| Total domestic deposits to total assets | 83.6376% | 3,107 |
| Equity capital to assets | 10.8715% | 2,824 |
| Core capital (leverage) ratio | 10.9078% | 2,616 |
| Tier 1 risk-based capital ratio | 14.8715% | 2,893 |
| Total risk-based capital ratio | 16.1305% | 2,820 |
| Memoranda: | ||
| Average total assets | $87,085,800 | 4,315 |
| Average earning assets | $82,620,200 | 4,270 |
| Average equity | $9,242,800 | 4,427 |
| Average total loans | $61,843,800 | 4,050 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 2,501 |
| Cost of funding earning assets | 0.8219% | 1,234 |
| Net interest margin | 3.6188% | 3,305 |
| Noninterest income to average assets | 0.4149% | 3,389 |
| Noninterest expense to average assets | 2.4555% | 3,717 |
| Loan and lease loss provision to assets | 0.1378% | 1,454 |
| Net operating income to assets | 1.2124% | 2,193 |
| Return on assets (ROA) | 1.2124% | 2,195 |
| Pretax return on assets | 1.2660% | 2,742 |
| Return on Equity (ROE) | 11.4936% | 1,984 |
| Retained earnings to average equity (ytd only) | 8.4460% | 1,450 |
| Net charge-offs to loans | 0.0238% | 2,655 |
| Credit loss provision to net charge-offs | 818.1818% | 479 |
| Earnings coverage of net charge-offs (x) | 83.3429% | 860 |
| Efficiency ratio | 63.0702% | 3,324 |
| Assets per employee ($millions) | 4.2910% | 3,435 |
| Cash dividends to net income (ytd only)* | 26.5150% | 2,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2403% | 334 |
| Loan loss allowance to noncurrent loans | 7,677.7778% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 4,885 |
| Noncurrent loans to loans | 0.0292% | 4,762 |
| Net loans and leases to total assets | 70.2703% | 2,602 |
| Net loans and leases to deposits | 83.0695% | 2,704 |
| Net loans and leases to core deposits | 91.2773% | 2,543 |
| Total domestic deposits to total assets | 84.5922% | 2,764 |
| Equity capital to assets | 11.0137% | 2,650 |
| Core capital (leverage) ratio | 10.9953% | 2,579 |
| Tier 1 risk-based capital ratio | 15.0660% | 2,852 |
| Total risk-based capital ratio | 16.3270% | 2,772 |
| Memoranda: | ||
| Average total assets | $87,094,000 | 4,361 |
| Average earning assets | $82,899,500 | 4,307 |
| Average equity | $9,187,500 | 4,479 |
| Average total loans | $61,654,750 | 4,092 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4077% | 2,387 |
| Cost of funding earning assets | 0.8153% | 1,063 |
| Net interest margin | 3.5923% | 3,353 |
| Noninterest income to average assets | 0.4068% | 3,437 |
| Noninterest expense to average assets | 2.4520% | 3,770 |
| Loan and lease loss provision to assets | 0.1371% | 1,429 |
| Net operating income to assets | 1.1883% | 2,248 |
| Return on assets (ROA) | 1.1883% | 2,246 |
| Pretax return on assets | 1.2409% | 2,765 |
| Return on Equity (ROE) | 11.4294% | 1,938 |
| Retained earnings to average equity (ytd only) | 8.5721% | 1,365 |
| Net charge-offs to loans | 0.0454% | 1,962 |
| Credit loss provision to net charge-offs | 428.5714% | 779 |
| Earnings coverage of net charge-offs (x) | 43.0714% | 1,244 |
| Efficiency ratio | 63.4248% | 3,397 |
| Assets per employee ($millions) | 4.3614% | 3,338 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2214% | 360 |
| Loan loss allowance to noncurrent loans | 7,500.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,924 |
| Noncurrent loans to loans | 0.0296% | 4,787 |
| Net loans and leases to total assets | 68.1226% | 2,847 |
| Net loans and leases to deposits | 80.0577% | 2,940 |
| Net loans and leases to core deposits | 87.7686% | 2,743 |
| Total domestic deposits to total assets | 85.0919% | 2,636 |
| Equity capital to assets | 10.6308% | 2,993 |
| Core capital (leverage) ratio | 10.5882% | 2,937 |
| Tier 1 risk-based capital ratio | 14.9715% | 2,889 |
| Total risk-based capital ratio | 16.2006% | 2,819 |
| Memoranda: | ||
| Average total assets | $87,518,670 | 4,388 |
| Average earning assets | $83,400,000 | 4,339 |
| Average equity | $9,099,330 | 4,525 |
| Average total loans | $61,643,670 | 4,123 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3402% | 2,383 |
| Cost of funding earning assets | 0.8000% | 955 |
| Net interest margin | 3.5402% | 3,390 |
| Noninterest income to average assets | 0.4107% | 3,391 |
| Noninterest expense to average assets | 2.5096% | 3,610 |
| Loan and lease loss provision to assets | 0.1369% | 1,376 |
| Net operating income to assets | 1.0905% | 2,469 |
| Return on assets (ROA) | 1.0905% | 2,483 |
| Pretax return on assets | 1.1362% | 3,023 |
| Return on Equity (ROE) | 10.6075% | 2,124 |
| Retained earnings to average equity (ytd only) | 7.0569% | 2,254 |
| Net charge-offs to loans | -0.0129% | 4,358 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3450% | 3,101 |
| Assets per employee ($millions) | 4.2437% | 3,575 |
| Cash dividends to net income (ytd only)* | 33.4728% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1592% | 418 |
| Loan loss allowance to noncurrent loans | 22,250.0000% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 5,097 |
| Noncurrent loans to loans | 0.0097% | 4,967 |
| Net loans and leases to total assets | 67.8804% | 2,780 |
| Net loans and leases to deposits | 80.2220% | 2,788 |
| Net loans and leases to core deposits | 86.3791% | 2,771 |
| Total domestic deposits to total assets | 84.6157% | 3,068 |
| Equity capital to assets | 10.1642% | 3,434 |
| Core capital (leverage) ratio | 10.2772% | 3,211 |
| Tier 1 risk-based capital ratio | 14.3715% | 3,182 |
| Total risk-based capital ratio | 15.6316% | 3,096 |
| Memoranda: | ||
| Average total assets | $87,664,000 | 4,438 |
| Average earning assets | $83,499,000 | 4,382 |
| Average equity | $9,012,500 | 4,582 |
| Average total loans | $62,079,500 | 4,151 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2619% | 2,458 |
| Cost of funding earning assets | 0.8396% | 505 |
| Net interest margin | 3.4223% | 3,776 |
| Noninterest income to average assets | 0.5020% | 2,985 |
| Noninterest expense to average assets | 2.5124% | 3,743 |
| Loan and lease loss provision to assets | 0.1369% | 1,672 |
| Net operating income to assets | 1.0463% | 2,068 |
| Return on assets (ROA) | 1.0463% | 2,100 |
| Pretax return on assets | 1.0896% | 3,230 |
| Return on Equity (ROE) | 10.3956% | 1,722 |
| Retained earnings to average equity (ytd only) | 5.2942% | 1,938 |
| Net charge-offs to loans | 0.0215% | 3,388 |
| Credit loss provision to net charge-offs | 923.0769% | 383 |
| Earnings coverage of net charge-offs (x) | 82.6923% | 750 |
| Efficiency ratio | 66.6158% | 3,147 |
| Assets per employee ($millions) | 4.3106% | 3,468 |
| Cash dividends to net income (ytd only)* | 49.0731% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0921% | 454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 70.7880% | 2,398 |
| Net loans and leases to deposits | 84.2065% | 2,472 |
| Net loans and leases to core deposits | 91.6046% | 2,406 |
| Total domestic deposits to total assets | 84.0647% | 3,180 |
| Equity capital to assets | 10.4012% | 3,268 |
| Core capital (leverage) ratio | 10.0855% | 3,342 |
| Tier 1 risk-based capital ratio | 13.8479% | 3,447 |
| Total risk-based capital ratio | 15.1080% | 3,348 |
| Memoranda: | ||
| Average total assets | $87,645,800 | 4,463 |
| Average earning assets | $82,897,000 | 4,423 |
| Average equity | $8,821,000 | 4,643 |
| Average total loans | $60,588,000 | 4,188 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2206% | 2,542 |
| Cost of funding earning assets | 0.8310% | 490 |
| Net interest margin | 3.3896% | 3,882 |
| Noninterest income to average assets | 0.5091% | 2,975 |
| Noninterest expense to average assets | 2.3953% | 4,029 |
| Loan and lease loss provision to assets | 0.1364% | 1,578 |
| Net operating income to assets | 1.1294% | 1,957 |
| Return on assets (ROA) | 1.1469% | 1,943 |
| Pretax return on assets | 1.1969% | 2,922 |
| Return on Equity (ROE) | 11.4897% | 1,491 |
| Retained earnings to average equity (ytd only) | 7.6951% | 1,346 |
| Net charge-offs to loans | -0.0066% | 4,520 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,132 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9853% | 3,544 |
| Assets per employee ($millions) | 4.1502% | 3,740 |
| Cash dividends to net income (ytd only)* | 33.0255% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1411% | 447 |
| Loan loss allowance to noncurrent loans | 6,450.0000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 5,137 |
| Noncurrent loans to loans | 0.0332% | 4,972 |
| Net loans and leases to total assets | 67.6473% | 2,896 |
| Net loans and leases to deposits | 81.4934% | 2,830 |
| Net loans and leases to core deposits | 89.0281% | 2,687 |
| Total domestic deposits to total assets | 83.0096% | 3,450 |
| Equity capital to assets | 10.3666% | 3,518 |
| Core capital (leverage) ratio | 10.2483% | 3,259 |
| Tier 1 risk-based capital ratio | 14.3875% | 3,245 |
| Total risk-based capital ratio | 15.6481% | 3,159 |
| Memoranda: | ||
| Average total assets | $88,004,500 | 4,505 |
| Average earning assets | $83,113,750 | 4,457 |
| Average equity | $8,784,500 | 4,698 |
| Average total loans | $60,152,250 | 4,238 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 2,644 |
| Cost of funding earning assets | 0.8253% | 463 |
| Net interest margin | 3.3301% | 4,017 |
| Noninterest income to average assets | 0.5663% | 2,627 |
| Noninterest expense to average assets | 2.3741% | 4,137 |
| Loan and lease loss provision to assets | 0.1359% | 1,525 |
| Net operating income to assets | 1.1530% | 1,766 |
| Return on assets (ROA) | 1.1530% | 1,815 |
| Pretax return on assets | 1.2006% | 2,770 |
| Return on Equity (ROE) | 11.6998% | 1,387 |
| Retained earnings to average equity (ytd only) | 7.5623% | 1,325 |
| Net charge-offs to loans | -0.0333% | 5,004 |
| Credit loss provision to net charge-offs | -600.0000% | 4,713 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3700% | 3,782 |
| Assets per employee ($millions) | 4.4385% | 3,216 |
| Cash dividends to net income (ytd only)* | 35.3635% | 2,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1255% | 487 |
| Loan loss allowance to noncurrent loans | 1,230.0971% | 498 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 4,738 |
| Noncurrent loans to loans | 0.1728% | 4,429 |
| Net loans and leases to total assets | 65.7227% | 3,145 |
| Net loans and leases to deposits | 78.6524% | 3,051 |
| Net loans and leases to core deposits | 85.7882% | 2,900 |
| Total domestic deposits to total assets | 83.5609% | 3,382 |
| Equity capital to assets | 9.9808% | 3,934 |
| Core capital (leverage) ratio | 10.0539% | 3,472 |
| Tier 1 risk-based capital ratio | 14.1881% | 3,314 |
| Total risk-based capital ratio | 15.4483% | 3,231 |
| Memoranda: | ||
| Average total assets | $88,287,670 | 4,520 |
| Average earning assets | $83,361,670 | 4,481 |
| Average equity | $8,701,000 | 4,737 |
| Average total loans | $60,120,330 | 4,260 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1632% | 2,412 |
| Cost of funding earning assets | 0.8278% | 421 |
| Net interest margin | 3.3354% | 3,903 |
| Noninterest income to average assets | 0.6678% | 2,099 |
| Noninterest expense to average assets | 2.4941% | 3,830 |
| Loan and lease loss provision to assets | 0.1363% | 1,399 |
| Net operating income to assets | 1.1448% | 1,693 |
| Return on assets (ROA) | 1.1448% | 1,732 |
| Pretax return on assets | 1.1857% | 2,652 |
| Return on Equity (ROE) | 11.6917% | 1,337 |
| Retained earnings to average equity (ytd only) | 7.9800% | 1,468 |
| Net charge-offs to loans | -0.0530% | 5,210 |
| Credit loss provision to net charge-offs | -375.0000% | 4,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7619% | 3,703 |
| Assets per employee ($millions) | 4.1582% | 3,745 |
| Cash dividends to net income (ytd only)* | 31.7460% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1035% | 552 |
| Loan loss allowance to noncurrent loans | 1,012.2951% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 4,703 |
| Noncurrent loans to loans | 0.2078% | 4,372 |
| Net loans and leases to total assets | 65.8230% | 2,998 |
| Net loans and leases to deposits | 78.8677% | 2,880 |
| Net loans and leases to core deposits | 86.1494% | 2,694 |
| Total domestic deposits to total assets | 83.4601% | 3,672 |
| Equity capital to assets | 9.9757% | 3,785 |
| Core capital (leverage) ratio | 9.8086% | 3,747 |
| Tier 1 risk-based capital ratio | 13.9943% | 3,485 |
| Total risk-based capital ratio | 15.2539% | 3,390 |
| Memoranda: | ||
| Average total assets | $88,046,500 | 4,569 |
| Average earning assets | $83,109,000 | 4,523 |
| Average equity | $8,621,500 | 4,788 |
| Average total loans | $60,376,000 | 4,291 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,333 |
| Cost of funding earning assets | 0.8335% | 422 |
| Net interest margin | 3.4113% | 3,785 |
| Noninterest income to average assets | 0.5041% | 3,214 |
| Noninterest expense to average assets | 2.5030% | 3,997 |
| Loan and lease loss provision to assets | 0.1669% | 1,472 |
| Net operating income to assets | 1.0105% | 2,307 |
| Return on assets (ROA) | 1.0507% | 2,240 |
| Pretax return on assets | 1.0783% | 3,189 |
| Return on Equity (ROE) | 10.7759% | 1,658 |
| Retained earnings to average equity (ytd only) | 4.8745% | 2,429 |
| Net charge-offs to loans | 0.1172% | 2,086 |
| Credit loss provision to net charge-offs | 213.2353% | 1,335 |
| Earnings coverage of net charge-offs (x) | 15.3824% | 2,204 |
| Efficiency ratio | 66.9357% | 3,450 |
| Assets per employee ($millions) | 4.4386% | 3,208 |
| Cash dividends to net income (ytd only)* | 54.7645% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9294% | 764 |
| Loan loss allowance to noncurrent loans | 29,925.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 5,420 |
| Noncurrent loans to loans | 0.0064% | 5,284 |
| Net loans and leases to total assets | 68.5381% | 2,694 |
| Net loans and leases to deposits | 86.3926% | 2,116 |
| Net loans and leases to core deposits | 95.0166% | 2,005 |
| Total domestic deposits to total assets | 79.3333% | 4,710 |
| Equity capital to assets | 9.6112% | 4,159 |
| Core capital (leverage) ratio | 9.7287% | 3,823 |
| Tier 1 risk-based capital ratio | 12.8413% | 4,174 |
| Total risk-based capital ratio | 14.0989% | 4,061 |
| Memoranda: | ||
| Average total assets | $86,894,000 | 4,604 |
| Average earning assets | $81,582,600 | 4,555 |
| Average equity | $8,472,600 | 4,846 |
| Average total loans | $58,018,400 | 4,351 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2375% | 2,385 |
| Cost of funding earning assets | 0.8439% | 396 |
| Net interest margin | 3.3936% | 3,868 |
| Noninterest income to average assets | 0.5461% | 2,937 |
| Noninterest expense to average assets | 2.4067% | 4,263 |
| Loan and lease loss provision to assets | 0.1311% | 1,787 |
| Net operating income to assets | 1.1640% | 1,753 |
| Return on assets (ROA) | 1.2018% | 1,733 |
| Pretax return on assets | 1.2296% | 2,709 |
| Return on Equity (ROE) | 12.2803% | 1,240 |
| Retained earnings to average equity (ytd only) | 7.5511% | 1,378 |
| Net charge-offs to loans | 0.0865% | 2,101 |
| Credit loss provision to net charge-offs | 229.7297% | 1,285 |
| Earnings coverage of net charge-offs (x) | 23.1632% | 1,720 |
| Efficiency ratio | 63.9636% | 3,941 |
| Assets per employee ($millions) | 4.2880% | 3,437 |
| Cash dividends to net income (ytd only)* | 38.5109% | 2,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0161% | 712 |
| Loan loss allowance to noncurrent loans | 116,800.0000% | 5 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 5,547 |
| Noncurrent loans to loans | 0.0017% | 5,418 |
| Net loans and leases to total assets | 66.1936% | 3,090 |
| Net loans and leases to deposits | 80.7922% | 2,877 |
| Net loans and leases to core deposits | 88.8637% | 2,675 |
| Total domestic deposits to total assets | 81.9308% | 3,955 |
| Equity capital to assets | 10.1214% | 4,012 |
| Core capital (leverage) ratio | 9.9259% | 3,666 |
| Tier 1 risk-based capital ratio | 13.9061% | 3,606 |
| Total risk-based capital ratio | 15.1649% | 3,529 |
| Memoranda: | ||
| Average total assets | $86,424,750 | 4,646 |
| Average earning assets | $81,052,500 | 4,601 |
| Average equity | $8,457,750 | 4,902 |
| Average total loans | $57,013,250 | 4,412 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3772% | 1,890 |
| Cost of funding earning assets | 0.8409% | 396 |
| Net interest margin | 3.5362% | 3,346 |
| Noninterest income to average assets | 0.4155% | 3,778 |
| Noninterest expense to average assets | 2.3844% | 4,392 |
| Loan and lease loss provision to assets | 0.1270% | 1,795 |
| Net operating income to assets | 1.1983% | 1,612 |
| Return on assets (ROA) | 1.2303% | 1,595 |
| Pretax return on assets | 1.2464% | 2,613 |
| Return on Equity (ROE) | 12.7152% | 1,098 |
| Retained earnings to average equity (ytd only) | 7.9440% | 1,187 |
| Net charge-offs to loans | 0.0917% | 1,924 |
| Credit loss provision to net charge-offs | 211.5385% | 1,251 |
| Earnings coverage of net charge-offs (x) | 22.3462% | 1,631 |
| Efficiency ratio | 64.0025% | 4,012 |
| Assets per employee ($millions) | 4.2177% | 3,526 |
| Cash dividends to net income (ytd only)* | 37.5235% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0381% | 689 |
| Loan loss allowance to noncurrent loans | 1,981.0345% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0655% | 5,295 |
| Noncurrent loans to loans | 0.1029% | 5,032 |
| Net loans and leases to total assets | 62.3522% | 3,586 |
| Net loans and leases to deposits | 76.4945% | 3,327 |
| Net loans and leases to core deposits | 83.8995% | 3,092 |
| Total domestic deposits to total assets | 81.5120% | 4,139 |
| Equity capital to assets | 9.6680% | 4,595 |
| Core capital (leverage) ratio | 9.8391% | 3,761 |
| Tier 1 risk-based capital ratio | 13.9229% | 3,648 |
| Total risk-based capital ratio | 15.1812% | 3,562 |
| Memoranda: | ||
| Average total assets | $86,646,670 | 4,680 |
| Average earning assets | $81,103,000 | 4,640 |
| Average equity | $8,383,670 | 4,949 |
| Average total loans | $56,706,000 | 4,446 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3311% | 2,026 |
| Cost of funding earning assets | 0.8553% | 377 |
| Net interest margin | 3.4758% | 3,570 |
| Noninterest income to average assets | 0.7142% | 1,964 |
| Noninterest expense to average assets | 2.4789% | 4,135 |
| Loan and lease loss provision to assets | 0.1167% | 1,802 |
| Net operating income to assets | 1.4005% | 1,033 |
| Return on assets (ROA) | 1.4005% | 1,093 |
| Pretax return on assets | 1.3818% | 1,954 |
| Return on Equity (ROE) | 14.4683% | 752 |
| Retained earnings to average equity (ytd only) | 9.6455% | 940 |
| Net charge-offs to loans | -0.0211% | 4,887 |
| Credit loss provision to net charge-offs | -833.3333% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3239% | 4,398 |
| Assets per employee ($millions) | 4.2883% | 3,427 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0756% | 721 |
| Loan loss allowance to noncurrent loans | 700.0000% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1912% | 4,803 |
| Noncurrent loans to loans | 0.2965% | 4,368 |
| Net loans and leases to total assets | 63.1493% | 3,364 |
| Net loans and leases to deposits | 75.5485% | 3,271 |
| Net loans and leases to core deposits | 82.9035% | 3,053 |
| Total domestic deposits to total assets | 83.5877% | 3,679 |
| Equity capital to assets | 9.8140% | 4,323 |
| Core capital (leverage) ratio | 9.6363% | 3,984 |
| Tier 1 risk-based capital ratio | 14.0529% | 3,659 |
| Total risk-based capital ratio | 15.3107% | 3,582 |
| Memoranda: | ||
| Average total assets | $85,684,500 | 4,740 |
| Average earning assets | $80,442,000 | 4,693 |
| Average equity | $8,294,000 | 4,997 |
| Average total loans | $56,871,500 | 4,476 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3089% | 2,201 |
| Cost of funding earning assets | 0.8444% | 384 |
| Net interest margin | 3.4645% | 3,658 |
| Noninterest income to average assets | 0.4493% | 3,676 |
| Noninterest expense to average assets | 2.5427% | 4,095 |
| Loan and lease loss provision to assets | 0.1494% | 1,576 |
| Net operating income to assets | 1.0228% | 2,245 |
| Return on assets (ROA) | 1.0228% | 2,325 |
| Pretax return on assets | 1.0372% | 3,320 |
| Return on Equity (ROE) | 10.5904% | 1,761 |
| Retained earnings to average equity (ytd only) | 4.4044% | 2,844 |
| Net charge-offs to loans | 0.0869% | 2,583 |
| Credit loss provision to net charge-offs | 255.1020% | 1,127 |
| Earnings coverage of net charge-offs (x) | 20.2653% | 1,887 |
| Efficiency ratio | 68.1833% | 3,534 |
| Assets per employee ($millions) | 4.2802% | 3,430 |
| Cash dividends to net income (ytd only)* | 58.4112% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9167% | 927 |
| Loan loss allowance to noncurrent loans | 1,046.7290% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.1250% | 5,098 |
| Noncurrent loans to loans | 0.1831% | 4,758 |
| Net loans and leases to total assets | 66.9536% | 2,858 |
| Net loans and leases to deposits | 83.9731% | 2,366 |
| Net loans and leases to core deposits | 92.1937% | 2,199 |
| Total domestic deposits to total assets | 79.7323% | 4,813 |
| Equity capital to assets | 9.5451% | 4,495 |
| Core capital (leverage) ratio | 9.5220% | 4,142 |
| Tier 1 risk-based capital ratio | 12.9972% | 4,318 |
| Total risk-based capital ratio | 14.2545% | 4,224 |
| Memoranda: | ||
| Average total assets | $83,689,800 | 4,795 |
| Average earning assets | $79,231,400 | 4,737 |
| Average equity | $8,082,800 | 5,046 |
| Average total loans | $56,400,400 | 4,489 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2857% | 2,286 |
| Cost of funding earning assets | 0.8426% | 396 |
| Net interest margin | 3.4430% | 3,781 |
| Noninterest income to average assets | 0.4567% | 3,663 |
| Noninterest expense to average assets | 2.4515% | 4,341 |
| Loan and lease loss provision to assets | 0.1202% | 1,894 |
| Net operating income to assets | 1.1505% | 1,828 |
| Return on assets (ROA) | 1.1505% | 1,897 |
| Pretax return on assets | 1.1585% | 2,986 |
| Return on Equity (ROE) | 11.8762% | 1,406 |
| Retained earnings to average equity (ytd only) | 7.3275% | 1,535 |
| Net charge-offs to loans | 0.0716% | 2,539 |
| Credit loss provision to net charge-offs | 250.0000% | 1,136 |
| Earnings coverage of net charge-offs (x) | 26.5993% | 1,608 |
| Efficiency ratio | 65.7216% | 3,944 |
| Assets per employee ($millions) | 4.1124% | 3,683 |
| Cash dividends to net income (ytd only)* | 38.3011% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9469% | 991 |
| Loan loss allowance to noncurrent loans | 721.1921% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.1836% | 5,020 |
| Noncurrent loans to loans | 0.2700% | 4,611 |
| Net loans and leases to total assets | 66.6833% | 2,897 |
| Net loans and leases to deposits | 78.6049% | 3,035 |
| Net loans and leases to core deposits | 86.0989% | 2,845 |
| Total domestic deposits to total assets | 84.8335% | 3,084 |
| Equity capital to assets | 10.0879% | 4,063 |
| Core capital (leverage) ratio | 9.8779% | 3,801 |
| Tier 1 risk-based capital ratio | 13.7677% | 3,982 |
| Total risk-based capital ratio | 15.0236% | 3,920 |
| Memoranda: | ||
| Average total assets | $83,211,250 | 4,863 |
| Average earning assets | $79,114,250 | 4,797 |
| Average equity | $8,060,750 | 5,116 |
| Average total loans | $55,891,750 | 4,545 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2642% | 2,308 |
| Cost of funding earning assets | 0.8488% | 384 |
| Net interest margin | 3.4154% | 3,855 |
| Noninterest income to average assets | 0.4501% | 3,706 |
| Noninterest expense to average assets | 2.4446% | 4,413 |
| Loan and lease loss provision to assets | 0.1197% | 1,848 |
| Net operating income to assets | 1.1445% | 1,796 |
| Return on assets (ROA) | 1.1445% | 1,871 |
| Pretax return on assets | 1.1325% | 3,040 |
| Return on Equity (ROE) | 11.9769% | 1,381 |
| Retained earnings to average equity (ytd only) | 7.5921% | 1,429 |
| Net charge-offs to loans | 0.0931% | 2,095 |
| Credit loss provision to net charge-offs | 192.3077% | 1,277 |
| Earnings coverage of net charge-offs (x) | 20.1154% | 1,722 |
| Efficiency ratio | 66.1269% | 3,985 |
| Assets per employee ($millions) | 3.9580% | 3,963 |
| Cash dividends to net income (ytd only)* | 36.6109% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9413% | 1,084 |
| Loan loss allowance to noncurrent loans | 936.8421% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.1372% | 5,306 |
| Noncurrent loans to loans | 0.2072% | 4,941 |
| Net loans and leases to total assets | 64.9061% | 3,137 |
| Net loans and leases to deposits | 76.1504% | 3,253 |
| Net loans and leases to core deposits | 83.2762% | 3,050 |
| Total domestic deposits to total assets | 85.2341% | 3,026 |
| Equity capital to assets | 9.7766% | 4,306 |
| Core capital (leverage) ratio | 9.4798% | 4,309 |
| Tier 1 risk-based capital ratio | 13.6465% | 4,131 |
| Total risk-based capital ratio | 14.9037% | 4,058 |
| Memoranda: | ||
| Average total assets | $83,532,670 | 4,910 |
| Average earning assets | $79,404,670 | 4,839 |
| Average equity | $7,982,000 | 5,171 |
| Average total loans | $55,877,670 | 4,588 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2618% | 2,227 |
| Cost of funding earning assets | 0.7598% | 623 |
| Net interest margin | 3.5020% | 3,430 |
| Noninterest income to average assets | 0.3774% | 4,183 |
| Noninterest expense to average assets | 2.5221% | 4,196 |
| Loan and lease loss provision to assets | 0.1194% | 1,733 |
| Net operating income to assets | 1.1416% | 1,723 |
| Return on assets (ROA) | 1.1416% | 1,830 |
| Pretax return on assets | 1.0604% | 3,262 |
| Return on Equity (ROE) | 12.0860% | 1,323 |
| Retained earnings to average equity (ytd only) | 8.2933% | 1,458 |
| Net charge-offs to loans | 0.1421% | 1,398 |
| Credit loss provision to net charge-offs | 125.0000% | 1,404 |
| Earnings coverage of net charge-offs (x) | 12.3500% | 1,804 |
| Efficiency ratio | 68.1290% | 3,805 |
| Assets per employee ($millions) | 4.2148% | 3,542 |
| Cash dividends to net income (ytd only)* | 31.3808% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 1,275 |
| Loan loss allowance to noncurrent loans | 2,760.5263% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.0451% | 5,757 |
| Noncurrent loans to loans | 0.0689% | 5,494 |
| Net loans and leases to total assets | 64.1438% | 3,073 |
| Net loans and leases to deposits | 76.0125% | 3,054 |
| Net loans and leases to core deposits | 83.0798% | 2,858 |
| Total domestic deposits to total assets | 84.3858% | 3,659 |
| Equity capital to assets | 9.5106% | 4,742 |
| Core capital (leverage) ratio | 9.3102% | 4,556 |
| Tier 1 risk-based capital ratio | 13.4262% | 4,361 |
| Total risk-based capital ratio | 14.6823% | 4,274 |
| Memoranda: | ||
| Average total assets | $83,740,500 | 4,947 |
| Average earning assets | $79,497,500 | 4,878 |
| Average equity | $7,910,000 | 5,234 |
| Average total loans | $56,308,500 | 4,601 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3508% | 2,407 |
| Cost of funding earning assets | 0.8525% | 498 |
| Net interest margin | 3.4983% | 3,806 |
| Noninterest income to average assets | 0.4845% | 3,625 |
| Noninterest expense to average assets | 2.7411% | 3,709 |
| Loan and lease loss provision to assets | 0.0934% | 2,599 |
| Net operating income to assets | 0.9091% | 2,827 |
| Return on assets (ROA) | 0.9091% | 2,921 |
| Pretax return on assets | 0.9565% | 3,660 |
| Return on Equity (ROE) | 9.5082% | 2,339 |
| Retained earnings to average equity (ytd only) | 3.9726% | 3,388 |
| Net charge-offs to loans | 0.0983% | 3,103 |
| Credit loss provision to net charge-offs | 141.5094% | 1,677 |
| Earnings coverage of net charge-offs (x) | 15.9057% | 2,053 |
| Efficiency ratio | 72.3062% | 3,154 |
| Assets per employee ($millions) | 4.1593% | 3,616 |
| Cash dividends to net income (ytd only)* | 58.2192% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 1,501 |
| Loan loss allowance to noncurrent loans | 966.6667% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 5,510 |
| Noncurrent loans to loans | 0.1878% | 5,157 |
| Net loans and leases to total assets | 67.8648% | 2,577 |
| Net loans and leases to deposits | 84.0177% | 2,212 |
| Net loans and leases to core deposits | 91.9162% | 2,098 |
| Total domestic deposits to total assets | 80.7744% | 4,802 |
| Equity capital to assets | 9.3802% | 4,873 |
| Core capital (leverage) ratio | 9.4724% | 4,281 |
| Tier 1 risk-based capital ratio | 12.6191% | 4,963 |
| Total risk-based capital ratio | 13.8735% | 4,872 |
| Memoranda: | ||
| Average total assets | $80,295,000 | 5,053 |
| Average earning assets | $75,894,800 | 4,991 |
| Average equity | $7,677,600 | 5,276 |
| Average total loans | $53,907,200 | 4,696 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3790% | 2,296 |
| Cost of funding earning assets | 0.8641% | 504 |
| Net interest margin | 3.5149% | 3,771 |
| Noninterest income to average assets | 0.4960% | 3,575 |
| Noninterest expense to average assets | 2.6759% | 3,917 |
| Loan and lease loss provision to assets | 0.1257% | 1,990 |
| Net operating income to assets | 0.9548% | 2,662 |
| Return on assets (ROA) | 0.9819% | 2,604 |
| Pretax return on assets | 1.0355% | 3,445 |
| Return on Equity (ROE) | 10.2182% | 2,108 |
| Retained earnings to average equity (ytd only) | 5.4231% | 2,808 |
| Net charge-offs to loans | 0.0327% | 3,834 |
| Credit loss provision to net charge-offs | 576.9231% | 508 |
| Earnings coverage of net charge-offs (x) | 52.0087% | 953 |
| Efficiency ratio | 70.2596% | 3,467 |
| Assets per employee ($millions) | 3.9906% | 3,912 |
| Cash dividends to net income (ytd only)* | 46.9289% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0521% | 1,162 |
| Loan loss allowance to noncurrent loans | 1,191.2088% | 483 |
| Noncurrent assets plus other real estate owned to assets | 0.1140% | 5,708 |
| Noncurrent loans to loans | 0.1723% | 5,393 |
| Net loans and leases to total assets | 64.8286% | 3,055 |
| Net loans and leases to deposits | 75.7134% | 3,212 |
| Net loans and leases to core deposits | 83.0181% | 2,997 |
| Total domestic deposits to total assets | 85.6237% | 3,060 |
| Equity capital to assets | 9.7567% | 4,475 |
| Core capital (leverage) ratio | 9.5090% | 4,355 |
| Tier 1 risk-based capital ratio | 13.5929% | 4,479 |
| Total risk-based capital ratio | 14.8519% | 4,420 |
| Memoranda: | ||
| Average total assets | $79,572,250 | 5,131 |
| Average earning assets | $74,992,500 | 5,067 |
| Average equity | $7,646,250 | 5,326 |
| Average total loans | $53,009,500 | 4,770 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 2,242 |
| Cost of funding earning assets | 0.8580% | 534 |
| Net interest margin | 3.5255% | 3,679 |
| Noninterest income to average assets | 0.4881% | 3,570 |
| Noninterest expense to average assets | 2.6443% | 4,077 |
| Loan and lease loss provision to assets | 0.1258% | 1,964 |
| Net operating income to assets | 0.9888% | 2,370 |
| Return on assets (ROA) | 0.9888% | 2,449 |
| Pretax return on assets | 1.0466% | 3,295 |
| Return on Equity (ROE) | 10.3430% | 1,995 |
| Retained earnings to average equity (ytd only) | 5.0794% | 2,912 |
| Net charge-offs to loans | 0.0415% | 3,403 |
| Credit loss provision to net charge-offs | 454.5455% | 625 |
| Earnings coverage of net charge-offs (x) | 42.3636% | 1,016 |
| Efficiency ratio | 69.2815% | 3,782 |
| Assets per employee ($millions) | 3.9924% | 3,850 |
| Cash dividends to net income (ytd only)* | 50.8906% | 1,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0939% | 1,185 |
| Loan loss allowance to noncurrent loans | 2,210.4167% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 5,996 |
| Noncurrent loans to loans | 0.0947% | 5,731 |
| Net loans and leases to total assets | 62.1301% | 3,382 |
| Net loans and leases to deposits | 72.9931% | 3,450 |
| Net loans and leases to core deposits | 80.0636% | 3,207 |
| Total domestic deposits to total assets | 85.1178% | 3,447 |
| Equity capital to assets | 9.6610% | 4,543 |
| Core capital (leverage) ratio | 9.3431% | 4,538 |
| Tier 1 risk-based capital ratio | 13.8577% | 4,346 |
| Total risk-based capital ratio | 15.1161% | 4,295 |
| Memoranda: | ||
| Average total assets | $79,492,330 | 5,168 |
| Average earning assets | $75,054,000 | 5,105 |
| Average equity | $7,599,330 | 5,370 |
| Average total loans | $53,071,000 | 4,788 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 1,949 |
| Cost of funding earning assets | 0.8671% | 537 |
| Net interest margin | 3.5861% | 3,311 |
| Noninterest income to average assets | 0.4539% | 3,756 |
| Noninterest expense to average assets | 2.7637% | 3,704 |
| Loan and lease loss provision to assets | 0.1261% | 1,924 |
| Net operating income to assets | 0.8771% | 2,761 |
| Return on assets (ROA) | 0.9380% | 2,538 |
| Pretax return on assets | 1.0086% | 3,287 |
| Return on Equity (ROE) | 9.8648% | 2,093 |
| Retained earnings to average equity (ytd only) | 4.5611% | 3,388 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1053% | 3,468 |
| Assets per employee ($millions) | 4.0758% | 3,772 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9831% | 1,547 |
| Loan loss allowance to noncurrent loans | 2,181.2500% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0589% | 6,102 |
| Noncurrent loans to loans | 0.0909% | 5,854 |
| Net loans and leases to total assets | 63.4852% | 2,981 |
| Net loans and leases to deposits | 74.1531% | 3,043 |
| Net loans and leases to core deposits | 80.7849% | 2,877 |
| Total domestic deposits to total assets | 85.6137% | 3,553 |
| Equity capital to assets | 9.2719% | 4,786 |
| Core capital (leverage) ratio | 9.1860% | 4,735 |
| Tier 1 risk-based capital ratio | 13.2505% | 4,861 |
| Total risk-based capital ratio | 14.5076% | 4,793 |
| Memoranda: | ||
| Average total assets | $79,315,000 | 5,220 |
| Average earning assets | $74,733,500 | 5,153 |
| Average equity | $7,542,000 | 5,411 |
| Average total loans | $54,271,500 | 4,784 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5759% | 1,946 |
| Cost of funding earning assets | 0.9477% | 584 |
| Net interest margin | 3.6282% | 3,335 |
| Noninterest income to average assets | 0.5425% | 3,455 |
| Noninterest expense to average assets | 2.8337% | 3,601 |
| Loan and lease loss provision to assets | 0.1565% | 2,319 |
| Net operating income to assets | 0.9259% | 2,661 |
| Return on assets (ROA) | 0.9259% | 2,746 |
| Pretax return on assets | 0.9572% | 3,530 |
| Return on Equity (ROE) | 9.5248% | 2,320 |
| Retained earnings to average equity (ytd only) | 3.9575% | 3,386 |
| Net charge-offs to loans | 0.0575% | 4,423 |
| Credit loss provision to net charge-offs | 387.0968% | 586 |
| Earnings coverage of net charge-offs (x) | 27.5484% | 1,270 |
| Efficiency ratio | 71.1596% | 3,637 |
| Assets per employee ($millions) | 3.8558% | 4,147 |
| Cash dividends to net income (ytd only)* | 58.4507% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8333% | 1,961 |
| Loan loss allowance to noncurrent loans | 2,920.0000% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0454% | 6,238 |
| Noncurrent loans to loans | 0.0628% | 6,036 |
| Net loans and leases to total assets | 70.9641% | 1,847 |
| Net loans and leases to deposits | 84.9936% | 1,811 |
| Net loans and leases to core deposits | 93.2663% | 1,653 |
| Total domestic deposits to total assets | 83.4935% | 4,366 |
| Equity capital to assets | 9.7595% | 4,087 |
| Core capital (leverage) ratio | 9.4387% | 4,356 |
| Tier 1 risk-based capital ratio | 12.6856% | 5,183 |
| Total risk-based capital ratio | 13.7972% | 5,216 |
| Memoranda: | ||
| Average total assets | $76,683,400 | 5,314 |
| Average earning assets | $71,963,200 | 5,257 |
| Average equity | $7,454,200 | 5,466 |
| Average total loans | $53,887,600 | 4,812 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 2,002 |
| Cost of funding earning assets | 0.9545% | 630 |
| Net interest margin | 3.6081% | 3,410 |
| Noninterest income to average assets | 0.5537% | 3,431 |
| Noninterest expense to average assets | 2.6918% | 4,045 |
| Loan and lease loss provision to assets | 0.1480% | 2,428 |
| Net operating income to assets | 1.0619% | 2,142 |
| Return on assets (ROA) | 1.0551% | 2,255 |
| Pretax return on assets | 1.0900% | 3,154 |
| Return on Equity (ROE) | 10.8654% | 1,867 |
| Retained earnings to average equity (ytd only) | 6.1141% | 2,336 |
| Net charge-offs to loans | 0.0449% | 4,264 |
| Credit loss provision to net charge-offs | 472.2222% | 567 |
| Earnings coverage of net charge-offs (x) | 39.7213% | 1,007 |
| Efficiency ratio | 67.7576% | 4,139 |
| Assets per employee ($millions) | 3.8608% | 4,113 |
| Cash dividends to net income (ytd only)* | 43.7288% | 2,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 2,028 |
| Loan loss allowance to noncurrent loans | 7,142.8571% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 6,442 |
| Noncurrent loans to loans | 0.0265% | 6,275 |
| Net loans and leases to total assets | 67.2110% | 2,429 |
| Net loans and leases to deposits | 79.9288% | 2,422 |
| Net loans and leases to core deposits | 85.6245% | 2,449 |
| Total domestic deposits to total assets | 84.0886% | 4,153 |
| Equity capital to assets | 9.8116% | 4,160 |
| Core capital (leverage) ratio | 9.5569% | 4,322 |
| Tier 1 risk-based capital ratio | 13.3848% | 4,847 |
| Total risk-based capital ratio | 14.4872% | 4,892 |
| Memoranda: | ||
| Average total assets | $76,575,500 | 5,365 |
| Average earning assets | $71,799,000 | 5,310 |
| Average equity | $7,436,250 | 5,530 |
| Average total loans | $53,423,000 | 4,875 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5809% | 1,905 |
| Cost of funding earning assets | 0.9664% | 651 |
| Net interest margin | 3.6144% | 3,306 |
| Noninterest income to average assets | 0.5762% | 3,344 |
| Noninterest expense to average assets | 2.7003% | 4,031 |
| Loan and lease loss provision to assets | 0.1310% | 2,681 |
| Net operating income to assets | 1.1049% | 1,910 |
| Return on assets (ROA) | 1.0948% | 2,060 |
| Pretax return on assets | 1.1236% | 2,998 |
| Return on Equity (ROE) | 11.3131% | 1,715 |
| Retained earnings to average equity (ytd only) | 5.9001% | 2,492 |
| Net charge-offs to loans | -0.0112% | 5,795 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,108 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4373% | 4,277 |
| Assets per employee ($millions) | 3.8469% | 4,118 |
| Cash dividends to net income (ytd only)* | 47.8469% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8199% | 2,366 |
| Loan loss allowance to noncurrent loans | 434.3612% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.2950% | 5,582 |
| Noncurrent loans to loans | 0.4190% | 5,211 |
| Net loans and leases to total assets | 69.1375% | 2,045 |
| Net loans and leases to deposits | 82.3957% | 2,011 |
| Net loans and leases to core deposits | 90.2647% | 1,889 |
| Total domestic deposits to total assets | 83.9091% | 4,361 |
| Equity capital to assets | 9.6805% | 4,339 |
| Core capital (leverage) ratio | 9.3273% | 4,498 |
| Tier 1 risk-based capital ratio | 12.9134% | 5,212 |
| Total risk-based capital ratio | 14.0136% | 5,253 |
| Memoranda: | ||
| Average total assets | $76,362,330 | 5,407 |
| Average earning assets | $71,602,330 | 5,345 |
| Average equity | $7,389,670 | 5,589 |
| Average total loans | $53,598,330 | 4,894 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5214% | 2,092 |
| Cost of funding earning assets | 0.9749% | 688 |
| Net interest margin | 3.5465% | 3,494 |
| Noninterest income to average assets | 0.5994% | 3,141 |
| Noninterest expense to average assets | 2.7973% | 3,707 |
| Loan and lease loss provision to assets | 0.1315% | 2,596 |
| Net operating income to assets | 0.9990% | 2,228 |
| Return on assets (ROA) | 0.9780% | 2,458 |
| Pretax return on assets | 0.9780% | 3,448 |
| Return on Equity (ROE) | 10.1080% | 2,022 |
| Retained earnings to average equity (ytd only) | 4.6736% | 3,431 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5489% | 3,882 |
| Assets per employee ($millions) | 3.8665% | 4,216 |
| Cash dividends to net income (ytd only)* | 53.7634% | 1,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7877% | 2,660 |
| Loan loss allowance to noncurrent loans | 6,842.8571% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0181% | 6,563 |
| Noncurrent loans to loans | 0.0261% | 6,418 |
| Net loans and leases to total assets | 68.0598% | 1,997 |
| Net loans and leases to deposits | 81.6058% | 1,881 |
| Net loans and leases to core deposits | 88.6385% | 1,842 |
| Total domestic deposits to total assets | 83.4008% | 4,713 |
| Equity capital to assets | 9.5630% | 4,768 |
| Core capital (leverage) ratio | 9.2129% | 4,553 |
| Tier 1 risk-based capital ratio | 12.6865% | 5,439 |
| Total risk-based capital ratio | 13.9396% | 5,391 |
| Memoranda: | ||
| Average total assets | $76,074,500 | 5,459 |
| Average earning assets | $71,394,000 | 5,399 |
| Average equity | $7,360,500 | 5,646 |
| Average total loans | $53,308,000 | 4,940 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 1,903 |
| Cost of funding earning assets | 1.0703% | 1,024 |
| Net interest margin | 3.8109% | 3,179 |
| Noninterest income to average assets | 0.5997% | 3,280 |
| Noninterest expense to average assets | 2.8178% | 3,957 |
| Loan and lease loss provision to assets | 0.2008% | 3,126 |
| Net operating income to assets | 1.0803% | 2,007 |
| Return on assets (ROA) | 1.0803% | 2,196 |
| Pretax return on assets | 1.1271% | 3,058 |
| Return on Equity (ROE) | 11.1974% | 1,743 |
| Retained earnings to average equity (ytd only) | 5.0645% | 2,664 |
| Net charge-offs to loans | 0.0760% | 4,920 |
| Credit loss provision to net charge-offs | 384.6154% | 628 |
| Earnings coverage of net charge-offs (x) | 25.4359% | 1,136 |
| Efficiency ratio | 67.9690% | 4,148 |
| Assets per employee ($millions) | 3.7410% | 4,487 |
| Cash dividends to net income (ytd only)* | 54.7708% | 2,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 2,725 |
| Loan loss allowance to noncurrent loans | 5,831.2500% | 125 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 6,612 |
| Noncurrent loans to loans | 0.0302% | 6,438 |
| Net loans and leases to total assets | 69.6271% | 1,912 |
| Net loans and leases to deposits | 85.3960% | 1,594 |
| Net loans and leases to core deposits | 93.1815% | 1,537 |
| Total domestic deposits to total assets | 81.5343% | 5,250 |
| Equity capital to assets | 9.7915% | 4,463 |
| Core capital (leverage) ratio | 9.3741% | 4,289 |
| Tier 1 risk-based capital ratio | 12.8855% | 5,191 |
| Total risk-based capital ratio | 13.8757% | 5,329 |
| Memoranda: | ||
| Average total assets | $74,704,800 | 5,491 |
| Average earning assets | $69,510,400 | 5,449 |
| Average equity | $7,207,000 | 5,703 |
| Average total loans | $51,311,000 | 5,055 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 1,964 |
| Cost of funding earning assets | 1.0839% | 1,131 |
| Net interest margin | 3.8292% | 3,210 |
| Noninterest income to average assets | 0.5838% | 3,390 |
| Noninterest expense to average assets | 2.6925% | 4,396 |
| Loan and lease loss provision to assets | 0.1964% | 3,123 |
| Net operating income to assets | 1.2070% | 1,710 |
| Return on assets (ROA) | 1.2070% | 1,892 |
| Pretax return on assets | 1.2587% | 2,754 |
| Return on Equity (ROE) | 12.5579% | 1,447 |
| Retained earnings to average equity (ytd only) | 7.3564% | 1,917 |
| Net charge-offs to loans | -0.0026% | 6,219 |
| Credit loss provision to net charge-offs | -11,000.0000% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9161% | 4,637 |
| Assets per employee ($millions) | 3.6779% | 4,590 |
| Cash dividends to net income (ytd only)* | 41.4197% | 2,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8418% | 2,668 |
| Loan loss allowance to noncurrent loans | 3,887.5000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0326% | 6,686 |
| Noncurrent loans to loans | 0.0474% | 6,500 |
| Net loans and leases to total assets | 67.5993% | 2,352 |
| Net loans and leases to deposits | 81.9325% | 2,128 |
| Net loans and leases to core deposits | 89.4252% | 2,055 |
| Total domestic deposits to total assets | 82.5061% | 4,831 |
| Equity capital to assets | 10.0358% | 4,440 |
| Core capital (leverage) ratio | 9.4140% | 4,410 |
| Tier 1 risk-based capital ratio | 13.3091% | 5,017 |
| Total risk-based capital ratio | 14.3941% | 5,099 |
| Memoranda: | ||
| Average total assets | $74,676,000 | 5,554 |
| Average earning assets | $69,499,750 | 5,510 |
| Average equity | $7,177,250 | 5,777 |
| Average total loans | $50,881,750 | 5,131 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9131% | 2,055 |
| Cost of funding earning assets | 1.0998% | 1,222 |
| Net interest margin | 3.8133% | 3,301 |
| Noninterest income to average assets | 0.6236% | 3,106 |
| Noninterest expense to average assets | 2.6703% | 4,536 |
| Loan and lease loss provision to assets | 0.1865% | 3,237 |
| Net operating income to assets | 1.2525% | 1,561 |
| Return on assets (ROA) | 1.2525% | 1,727 |
| Pretax return on assets | 1.3058% | 2,537 |
| Return on Equity (ROE) | 13.2227% | 1,304 |
| Retained earnings to average equity (ytd only) | 7.5960% | 1,817 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1485% | 4,875 |
| Assets per employee ($millions) | 3.7453% | 4,430 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7410% | 3,067 |
| Loan loss allowance to noncurrent loans | 2,123.8095% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.1882% | 6,320 |
| Noncurrent loans to loans | 0.0820% | 6,457 |
| Net loans and leases to total assets | 67.2105% | 2,424 |
| Net loans and leases to deposits | 81.2603% | 2,197 |
| Net loans and leases to core deposits | 88.3538% | 2,171 |
| Total domestic deposits to total assets | 82.7101% | 4,875 |
| Equity capital to assets | 9.6709% | 4,795 |
| Core capital (leverage) ratio | 9.2313% | 4,554 |
| Tier 1 risk-based capital ratio | 12.9165% | 5,242 |
| Total risk-based capital ratio | 14.0005% | 5,348 |
| Memoranda: | ||
| Average total assets | $75,049,000 | 5,576 |
| Average earning assets | $69,650,670 | 5,535 |
| Average equity | $7,109,000 | 5,819 |
| Average total loans | $50,956,670 | 5,153 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9813% | 1,954 |
| Cost of funding earning assets | 1.1204% | 1,298 |
| Net interest margin | 3.8609% | 3,092 |
| Noninterest income to average assets | 0.5005% | 3,906 |
| Noninterest expense to average assets | 2.6517% | 4,614 |
| Loan and lease loss provision to assets | 0.1864% | 3,102 |
| Net operating income to assets | 1.1981% | 1,739 |
| Return on assets (ROA) | 1.1981% | 1,922 |
| Pretax return on assets | 1.2407% | 2,765 |
| Return on Equity (ROE) | 12.7814% | 1,467 |
| Retained earnings to average equity (ytd only) | 7.1008% | 2,379 |
| Net charge-offs to loans | -0.0236% | 6,237 |
| Credit loss provision to net charge-offs | -1,166.6667% | 5,946 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0131% | 4,734 |
| Assets per employee ($millions) | 3.7753% | 4,482 |
| Cash dividends to net income (ytd only)* | 44.4444% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7346% | 3,212 |
| Loan loss allowance to noncurrent loans | 1,409.8361% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.2410% | 6,284 |
| Noncurrent loans to loans | 0.1230% | 6,441 |
| Net loans and leases to total assets | 64.5242% | 2,755 |
| Net loans and leases to deposits | 77.7464% | 2,558 |
| Net loans and leases to core deposits | 84.4335% | 2,494 |
| Total domestic deposits to total assets | 82.9932% | 4,929 |
| Equity capital to assets | 9.4219% | 4,918 |
| Core capital (leverage) ratio | 8.9303% | 4,944 |
| Tier 1 risk-based capital ratio | 13.3701% | 4,922 |
| Total risk-based capital ratio | 14.4439% | 5,045 |
| Memoranda: | ||
| Average total assets | $75,121,000 | 5,615 |
| Average earning assets | $69,621,000 | 5,574 |
| Average equity | $7,041,500 | 5,858 |
| Average total loans | $50,817,000 | 5,194 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1965% | 2,074 |
| Cost of funding earning assets | 1.3632% | 1,192 |
| Net interest margin | 3.8333% | 3,655 |
| Noninterest income to average assets | 0.5250% | 3,682 |
| Noninterest expense to average assets | 2.7799% | 4,428 |
| Loan and lease loss provision to assets | 0.1919% | 4,265 |
| Net operating income to assets | 1.0442% | 2,027 |
| Return on assets (ROA) | 1.0335% | 2,221 |
| Pretax return on assets | 1.0692% | 2,958 |
| Return on Equity (ROE) | 10.9130% | 1,718 |
| Retained earnings to average equity (ytd only) | 3.6763% | 3,599 |
| Net charge-offs to loans | -0.0121% | 6,905 |
| Credit loss provision to net charge-offs | -2,333.3333% | 6,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6062% | 4,233 |
| Assets per employee ($millions) | 3.7369% | 4,471 |
| Cash dividends to net income (ytd only)* | 66.3130% | 1,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 3,668 |
| Loan loss allowance to noncurrent loans | 8,210.0000% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.1806% | 6,499 |
| Noncurrent loans to loans | 0.0192% | 6,781 |
| Net loans and leases to total assets | 68.5524% | 2,303 |
| Net loans and leases to deposits | 87.0409% | 1,517 |
| Net loans and leases to core deposits | 94.5818% | 1,628 |
| Total domestic deposits to total assets | 78.7588% | 6,049 |
| Equity capital to assets | 9.3247% | 5,117 |
| Core capital (leverage) ratio | 9.0518% | 4,690 |
| Tier 1 risk-based capital ratio | 12.0512% | 5,801 |
| Total risk-based capital ratio | 13.2286% | 5,825 |
| Memoranda: | ||
| Average total assets | $72,953,000 | 5,668 |
| Average earning assets | $67,122,000 | 5,638 |
| Average equity | $6,909,200 | 5,888 |
| Average total loans | $49,649,200 | 5,277 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2498% | 2,032 |
| Cost of funding earning assets | 1.4145% | 1,167 |
| Net interest margin | 3.8353% | 3,694 |
| Noninterest income to average assets | 0.5314% | 3,644 |
| Noninterest expense to average assets | 2.7234% | 4,640 |
| Loan and lease loss provision to assets | 0.1931% | 4,091 |
| Net operating income to assets | 1.1051% | 1,945 |
| Return on assets (ROA) | 1.1051% | 2,090 |
| Pretax return on assets | 1.1401% | 2,858 |
| Return on Equity (ROE) | 11.6229% | 1,640 |
| Retained earnings to average equity (ytd only) | 6.3047% | 2,367 |
| Net charge-offs to loans | -0.0516% | 7,055 |
| Credit loss provision to net charge-offs | -552.6316% | 6,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1351% | 4,497 |
| Assets per employee ($millions) | 3.4938% | 5,015 |
| Cash dividends to net income (ytd only)* | 45.7576% | 1,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 3,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 6,626 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 65.8493% | 2,934 |
| Net loans and leases to deposits | 79.9738% | 2,658 |
| Net loans and leases to core deposits | 86.6927% | 2,688 |
| Total domestic deposits to total assets | 82.3386% | 4,961 |
| Equity capital to assets | 9.6171% | 4,911 |
| Core capital (leverage) ratio | 9.0414% | 4,864 |
| Tier 1 risk-based capital ratio | 12.8606% | 5,196 |
| Total risk-based capital ratio | 14.1140% | 5,171 |
| Memoranda: | ||
| Average total assets | $72,507,000 | 5,723 |
| Average earning assets | $66,642,000 | 5,690 |
| Average equity | $6,894,250 | 5,932 |
| Average total loans | $49,047,750 | 5,344 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 2,254 |
| Cost of funding earning assets | 1.4482% | 1,199 |
| Net interest margin | 3.7520% | 4,018 |
| Noninterest income to average assets | 0.5345% | 3,599 |
| Noninterest expense to average assets | 2.6779% | 4,907 |
| Loan and lease loss provision to assets | 0.1939% | 3,990 |
| Net operating income to assets | 1.1105% | 1,840 |
| Return on assets (ROA) | 1.1105% | 1,930 |
| Pretax return on assets | 1.1354% | 2,710 |
| Return on Equity (ROE) | 11.7246% | 1,575 |
| Retained earnings to average equity (ytd only) | 7.3388% | 1,722 |
| Net charge-offs to loans | -0.0775% | 7,110 |
| Credit loss provision to net charge-offs | -368.4211% | 6,462 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8279% | 4,721 |
| Assets per employee ($millions) | 3.5308% | 4,855 |
| Cash dividends to net income (ytd only)* | 37.4065% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 4,001 |
| Loan loss allowance to noncurrent loans | 2,829.6296% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 6,597 |
| Noncurrent loans to loans | 0.0539% | 6,848 |
| Net loans and leases to total assets | 66.4850% | 2,933 |
| Net loans and leases to deposits | 80.7126% | 2,662 |
| Net loans and leases to core deposits | 87.3903% | 2,717 |
| Total domestic deposits to total assets | 82.3726% | 5,037 |
| Equity capital to assets | 9.4287% | 4,926 |
| Core capital (leverage) ratio | 8.9881% | 4,741 |
| Tier 1 risk-based capital ratio | 12.4885% | 5,359 |
| Total risk-based capital ratio | 13.7411% | 5,331 |
| Memoranda: | ||
| Average total assets | $72,219,670 | 5,770 |
| Average earning assets | $66,843,670 | 5,732 |
| Average equity | $6,840,330 | 5,964 |
| Average total loans | $49,026,330 | 5,394 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2178% | 2,162 |
| Cost of funding earning assets | 1.4734% | 1,277 |
| Net interest margin | 3.7444% | 3,871 |
| Noninterest income to average assets | 0.6231% | 3,018 |
| Noninterest expense to average assets | 2.8068% | 4,409 |
| Loan and lease loss provision to assets | 0.1965% | 3,665 |
| Net operating income to assets | 1.0722% | 1,943 |
| Return on assets (ROA) | 1.0722% | 1,991 |
| Pretax return on assets | 1.0722% | 2,863 |
| Return on Equity (ROE) | 11.2934% | 1,646 |
| Retained earnings to average equity (ytd only) | 11.2934% | 840 |
| Net charge-offs to loans | -0.0082% | 6,319 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,326 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8705% | 4,496 |
| Assets per employee ($millions) | 3.4704% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 4,362 |
| Loan loss allowance to noncurrent loans | 2,734.6154% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.2072% | 6,645 |
| Noncurrent loans to loans | 0.0536% | 6,915 |
| Net loans and leases to total assets | 65.5452% | 3,124 |
| Net loans and leases to deposits | 79.6147% | 2,785 |
| Net loans and leases to core deposits | 86.7012% | 2,773 |
| Total domestic deposits to total assets | 82.3280% | 5,176 |
| Equity capital to assets | 9.4212% | 4,536 |
| Core capital (leverage) ratio | 9.1573% | 4,364 |
| Tier 1 risk-based capital ratio | 12.8147% | 4,966 |
| Total risk-based capital ratio | 14.0657% | 4,949 |
| Memoranda: | ||
| Average total assets | $71,256,500 | 5,840 |
| Average earning assets | $65,698,000 | 5,806 |
| Average equity | $6,765,000 | 5,999 |
| Average total loans | $48,509,500 | 5,459 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8091% | 1,257 |
| Cost of funding earning assets | 1.8842% | 901 |
| Net interest margin | 3.9248% | 3,374 |
| Noninterest income to average assets | 0.7065% | 2,806 |
| Noninterest expense to average assets | 3.2075% | 3,059 |
| Loan and lease loss provision to assets | 0.1816% | 5,404 |
| Net operating income to assets | 0.8337% | 2,653 |
| Return on assets (ROA) | 0.8337% | 2,798 |
| Pretax return on assets | 0.8736% | 3,396 |
| Return on Equity (ROE) | 8.5791% | 2,469 |
| Retained earnings to average equity (ytd only) | 3.7195% | 3,262 |
| Net charge-offs to loans | 0.0599% | 6,195 |
| Credit loss provision to net charge-offs | 416.6667% | 572 |
| Earnings coverage of net charge-offs (x) | 24.2083% | 872 |
| Efficiency ratio | 74.8189% | 3,234 |
| Assets per employee ($millions) | 3.3160% | 5,400 |
| Cash dividends to net income (ytd only)* | 56.6449% | 1,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3885% | 4,569 |
| Loan loss allowance to noncurrent loans | 2,174.1935% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.2240% | 6,670 |
| Noncurrent loans to loans | 0.0639% | 6,963 |
| Net loans and leases to total assets | 68.7384% | 2,801 |
| Net loans and leases to deposits | 87.3690% | 1,885 |
| Net loans and leases to core deposits | 95.4571% | 2,075 |
| Total domestic deposits to total assets | 78.6760% | 6,172 |
| Equity capital to assets | 9.5699% | 4,311 |
| Core capital (leverage) ratio | 9.1498% | 4,263 |
| Tier 1 risk-based capital ratio | 12.4968% | 5,024 |
| Total risk-based capital ratio | 13.7485% | 5,010 |
| Memoranda: | ||
| Average total assets | $55,058,200 | 6,369 |
| Average earning assets | $49,887,600 | 6,371 |
| Average equity | $5,350,200 | 6,551 |
| Average total loans | $40,062,800 | 5,921 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8777% | 1,187 |
| Cost of funding earning assets | 1.9659% | 843 |
| Net interest margin | 3.9118% | 3,482 |
| Noninterest income to average assets | 0.7183% | 2,717 |
| Noninterest expense to average assets | 3.0393% | 3,607 |
| Loan and lease loss provision to assets | 0.1297% | 5,732 |
| Net operating income to assets | 1.0347% | 2,124 |
| Return on assets (ROA) | 1.0347% | 2,227 |
| Pretax return on assets | 1.0840% | 2,880 |
| Return on Equity (ROE) | 10.5937% | 1,910 |
| Retained earnings to average equity (ytd only) | 7.6730% | 1,531 |
| Net charge-offs to loans | 0.0633% | 5,881 |
| Credit loss provision to net charge-offs | 277.7778% | 1,172 |
| Earnings coverage of net charge-offs (x) | 25.9992% | 978 |
| Efficiency ratio | 71.1585% | 3,857 |
| Assets per employee ($millions) | 3.1294% | 5,855 |
| Cash dividends to net income (ytd only)* | 27.5682% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,635 |
| Loan loss allowance to noncurrent loans | 6,300.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.1961% | 6,876 |
| Noncurrent loans to loans | 0.0217% | 7,206 |
| Net loans and leases to total assets | 66.0256% | 3,684 |
| Net loans and leases to deposits | 82.0431% | 3,096 |
| Net loans and leases to core deposits | 88.6531% | 3,292 |
| Total domestic deposits to total assets | 80.4767% | 5,552 |
| Equity capital to assets | 9.8234% | 4,381 |
| Core capital (leverage) ratio | 11.9765% | 1,681 |
| Tier 1 risk-based capital ratio | 13.1993% | 4,426 |
| Total risk-based capital ratio | 14.4487% | 4,407 |
| Memoranda: | ||
| Average total assets | $51,414,000 | 6,559 |
| Average earning assets | $46,457,000 | 6,578 |
| Average equity | $5,021,750 | 6,748 |
| Average total loans | $37,943,500 | 6,098 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8560% | 1,290 |
| Cost of funding earning assets | 2.0388% | 804 |
| Net interest margin | 3.8172% | 3,821 |
| Noninterest income to average assets | 0.5877% | 3,428 |
| Noninterest expense to average assets | 2.8726% | 4,173 |
| Loan and lease loss provision to assets | 0.2193% | 4,698 |
| Net operating income to assets | 0.9254% | 2,453 |
| Return on assets (ROA) | 0.9254% | 2,552 |
| Pretax return on assets | 0.9692% | 3,241 |
| Return on Equity (ROE) | 9.5017% | 2,273 |
| Retained earnings to average equity (ytd only) | 4.5482% | 3,179 |
| Net charge-offs to loans | 0.1192% | 4,988 |
| Credit loss provision to net charge-offs | 238.0952% | 1,617 |
| Earnings coverage of net charge-offs (x) | 12.9048% | 1,631 |
| Efficiency ratio | 70.7343% | 4,028 |
| Assets per employee ($millions) | 3.6290% | 4,636 |
| Cash dividends to net income (ytd only)* | 52.1327% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7429% | 2,926 |
| Loan loss allowance to noncurrent loans | 2,411.5385% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 7,253 |
| Noncurrent loans to loans | 0.0723% | 7,131 |
| Net loans and leases to total assets | 74.9242% | 1,712 |
| Net loans and leases to deposits | 92.7865% | 1,424 |
| Net loans and leases to core deposits | 99.9632% | 2,020 |
| Total domestic deposits to total assets | 80.7491% | 5,494 |
| Equity capital to assets | 9.5089% | 4,687 |
| Core capital (leverage) ratio | 9.7997% | 3,403 |
| Tier 1 risk-based capital ratio | 12.0933% | 5,232 |
| Total risk-based capital ratio | 13.1979% | 5,323 |
| Memoranda: | ||
| Average total assets | $45,603,330 | 6,801 |
| Average earning assets | $41,496,000 | 6,795 |
| Average equity | $4,441,330 | 6,957 |
| Average total loans | $35,229,330 | 6,278 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8609% | 1,294 |
| Cost of funding earning assets | 2.0571% | 921 |
| Net interest margin | 3.8037% | 3,781 |
| Noninterest income to average assets | 0.5891% | 3,345 |
| Noninterest expense to average assets | 2.9453% | 3,881 |
| Loan and lease loss provision to assets | 0.2231% | 4,264 |
| Net operating income to assets | 0.8747% | 2,654 |
| Return on assets (ROA) | 0.8747% | 2,734 |
| Pretax return on assets | 0.9193% | 3,392 |
| Return on Equity (ROE) | 8.8708% | 2,538 |
| Retained earnings to average equity (ytd only) | 3.4397% | 4,093 |
| Net charge-offs to loans | 0.2180% | 3,619 |
| Credit loss provision to net charge-offs | 131.5789% | 2,683 |
| Earnings coverage of net charge-offs (x) | 6.7368% | 2,173 |
| Efficiency ratio | 72.0524% | 3,922 |
| Assets per employee ($millions) | 3.4525% | 5,149 |
| Cash dividends to net income (ytd only)* | 61.2245% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7740% | 2,815 |
| Loan loss allowance to noncurrent loans | 1,677.7778% | 215 |
| Noncurrent assets plus other real estate owned to assets | 0.0802% | 7,291 |
| Noncurrent loans to loans | 0.1057% | 7,133 |
| Net loans and leases to total assets | 74.5154% | 1,855 |
| Net loans and leases to deposits | 89.5590% | 1,977 |
| Net loans and leases to core deposits | 96.5947% | 2,511 |
| Total domestic deposits to total assets | 83.2026% | 4,523 |
| Equity capital to assets | 9.8748% | 4,026 |
| Core capital (leverage) ratio | 9.7049% | 3,516 |
| Tier 1 risk-based capital ratio | 12.7217% | 4,539 |
| Total risk-based capital ratio | 13.8302% | 4,628 |
| Memoranda: | ||
| Average total assets | $44,816,500 | 6,923 |
| Average earning assets | $41,222,500 | 6,890 |
| Average equity | $4,419,000 | 7,028 |
| Average total loans | $34,857,000 | 6,379 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0436% | 1,696 |
| Cost of funding earning assets | 2.3117% | 1,608 |
| Net interest margin | 3.7319% | 3,991 |
| Noninterest income to average assets | 0.6188% | 3,496 |
| Noninterest expense to average assets | 3.0175% | 4,084 |
| Loan and lease loss provision to assets | 0.1799% | 5,901 |
| Net operating income to assets | 0.9379% | 2,059 |
| Return on assets (ROA) | 0.9379% | 2,117 |
| Pretax return on assets | 0.9762% | 2,668 |
| Return on Equity (ROE) | 8.9343% | 2,050 |
| Retained earnings to average equity (ytd only) | 2.9933% | 3,074 |
| Net charge-offs to loans | 0.0374% | 6,745 |
| Credit loss provision to net charge-offs | 625.0000% | 467 |
| Earnings coverage of net charge-offs (x) | 40.1667% | 599 |
| Efficiency ratio | 72.2989% | 4,221 |
| Assets per employee ($millions) | 3.4424% | 5,146 |
| Cash dividends to net income (ytd only)* | 66.4962% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6767% | 2,980 |
| Loan loss allowance to noncurrent loans | 866.6667% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 7,091 |
| Noncurrent loans to loans | 0.1935% | 6,938 |
| Net loans and leases to total assets | 78.3625% | 1,307 |
| Net loans and leases to deposits | 100.7007% | 844 |
| Net loans and leases to core deposits | 131.1836% | 1,220 |
| Total domestic deposits to total assets | 77.8173% | 6,265 |
| Equity capital to assets | 9.8456% | 3,951 |
| Core capital (leverage) ratio | 10.0786% | 3,014 |
| Tier 1 risk-based capital ratio | 12.0666% | 4,886 |
| Total risk-based capital ratio | 13.1721% | 4,962 |
| Memoranda: | ||
| Average total assets | $41,690,800 | 7,030 |
| Average earning assets | $39,711,400 | 6,952 |
| Average equity | $4,376,400 | 7,149 |
| Average total loans | $32,105,400 | 6,518 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1231% | 1,570 |
| Cost of funding earning assets | 2.3750% | 1,725 |
| Net interest margin | 3.7482% | 3,871 |
| Noninterest income to average assets | 0.6320% | 3,481 |
| Noninterest expense to average assets | 2.8767% | 4,548 |
| Loan and lease loss provision to assets | 0.2443% | 5,007 |
| Net operating income to assets | 1.0523% | 1,890 |
| Return on assets (ROA) | 1.0523% | 1,956 |
| Pretax return on assets | 1.0946% | 2,594 |
| Return on Equity (ROE) | 9.8572% | 1,973 |
| Retained earnings to average equity (ytd only) | 3.7537% | 3,186 |
| Net charge-offs to loans | 0.0598% | 6,109 |
| Credit loss provision to net charge-offs | 535.7143% | 733 |
| Earnings coverage of net charge-offs (x) | 29.3514% | 943 |
| Efficiency ratio | 68.2380% | 4,924 |
| Assets per employee ($millions) | 3.4503% | 5,052 |
| Cash dividends to net income (ytd only)* | 61.9189% | 1,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8532% | 2,148 |
| Loan loss allowance to noncurrent loans | 1,295.6522% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 7,271 |
| Noncurrent loans to loans | 0.1430% | 7,123 |
| Net loans and leases to total assets | 76.2366% | 1,947 |
| Net loans and leases to deposits | 94.2098% | 1,853 |
| Net loans and leases to core deposits | 120.4541% | 2,207 |
| Total domestic deposits to total assets | 80.9221% | 5,108 |
| Equity capital to assets | 10.6632% | 3,327 |
| Core capital (leverage) ratio | 10.3614% | 2,912 |
| Tier 1 risk-based capital ratio | 13.2798% | 3,998 |
| Total risk-based capital ratio | 14.5385% | 3,944 |
| Memoranda: | ||
| Average total assets | $40,925,750 | 7,106 |
| Average earning assets | $39,129,250 | 7,029 |
| Average equity | $4,369,000 | 7,228 |
| Average total loans | $31,215,250 | 6,614 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1502% | 1,614 |
| Cost of funding earning assets | 2.4120% | 1,920 |
| Net interest margin | 3.7383% | 3,798 |
| Noninterest income to average assets | 0.6182% | 3,546 |
| Noninterest expense to average assets | 2.8504% | 4,734 |
| Loan and lease loss provision to assets | 0.2453% | 4,619 |
| Net operating income to assets | 1.0646% | 1,896 |
| Return on assets (ROA) | 1.0646% | 1,971 |
| Pretax return on assets | 1.1039% | 2,625 |
| Return on Equity (ROE) | 9.9686% | 2,030 |
| Retained earnings to average equity (ytd only) | 3.9966% | 3,061 |
| Net charge-offs to loans | 0.0259% | 6,117 |
| Credit loss provision to net charge-offs | 1,250.0000% | 394 |
| Earnings coverage of net charge-offs (x) | 68.7500% | 538 |
| Efficiency ratio | 67.8738% | 5,169 |
| Assets per employee ($millions) | 3.7545% | 4,207 |
| Cash dividends to net income (ytd only)* | 59.9078% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 1,899 |
| Loan loss allowance to noncurrent loans | 2,324.0000% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.1162% | 7,269 |
| Noncurrent loans to loans | 0.0798% | 7,328 |
| Net loans and leases to total assets | 74.4939% | 2,574 |
| Net loans and leases to deposits | 91.1666% | 2,619 |
| Net loans and leases to core deposits | 115.3408% | 2,777 |
| Total domestic deposits to total assets | 81.7119% | 4,815 |
| Equity capital to assets | 10.6247% | 3,273 |
| Core capital (leverage) ratio | 10.4239% | 2,880 |
| Tier 1 risk-based capital ratio | 13.5304% | 3,800 |
| Total risk-based capital ratio | 14.7889% | 3,727 |
| Memoranda: | ||
| Average total assets | $40,766,330 | 7,174 |
| Average earning assets | $39,055,330 | 7,087 |
| Average equity | $4,353,670 | 7,292 |
| Average total loans | $30,900,000 | 6,678 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2082% | 1,571 |
| Cost of funding earning assets | 2.4627% | 2,057 |
| Net interest margin | 3.7454% | 3,675 |
| Noninterest income to average assets | 0.6420% | 3,255 |
| Noninterest expense to average assets | 2.7852% | 4,618 |
| Loan and lease loss provision to assets | 0.2469% | 4,001 |
| Net operating income to assets | 1.1852% | 1,696 |
| Return on assets (ROA) | 1.1852% | 1,805 |
| Pretax return on assets | 1.2148% | 2,570 |
| Return on Equity (ROE) | 11.0688% | 1,947 |
| Retained earnings to average equity (ytd only) | 5.0732% | 3,078 |
| Net charge-offs to loans | 0.0652% | 4,555 |
| Credit loss provision to net charge-offs | 500.0000% | 1,071 |
| Earnings coverage of net charge-offs (x) | 29.6000% | 1,069 |
| Efficiency ratio | 65.5814% | 5,408 |
| Assets per employee ($millions) | 3.7232% | 4,290 |
| Cash dividends to net income (ytd only)* | 54.1667% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7908% | 1,876 |
| Loan loss allowance to noncurrent loans | 2,921.0526% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 7,139 |
| Noncurrent loans to loans | 0.0613% | 7,357 |
| Net loans and leases to total assets | 74.3182% | 2,672 |
| Net loans and leases to deposits | 90.6835% | 2,828 |
| Net loans and leases to core deposits | 115.9107% | 2,812 |
| Total domestic deposits to total assets | 81.9534% | 4,567 |
| Equity capital to assets | 10.6361% | 3,342 |
| Core capital (leverage) ratio | 10.4003% | 3,026 |
| Tier 1 risk-based capital ratio | 13.4899% | 3,869 |
| Total risk-based capital ratio | 14.7451% | 3,791 |
| Memoranda: | ||
| Average total assets | $40,499,500 | 7,226 |
| Average earning assets | $38,981,000 | 7,129 |
| Average equity | $4,336,500 | 7,340 |
| Average total loans | $30,676,500 | 6,723 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7314% | 1,924 |
| Cost of funding earning assets | 2.8860% | 2,325 |
| Net interest margin | 3.8454% | 3,812 |
| Noninterest income to average assets | 0.5862% | 3,963 |
| Noninterest expense to average assets | 2.6176% | 5,583 |
| Loan and lease loss provision to assets | 0.3032% | 3,950 |
| Net operating income to assets | 1.2835% | 1,534 |
| Return on assets (ROA) | 1.2835% | 1,480 |
| Pretax return on assets | 1.3518% | 2,124 |
| Return on Equity (ROE) | 12.0351% | 1,583 |
| Retained earnings to average equity (ytd only) | 3.6247% | 2,894 |
| Net charge-offs to loans | 0.1737% | 4,463 |
| Credit loss provision to net charge-offs | 235.2941% | 2,018 |
| Earnings coverage of net charge-offs (x) | 12.8431% | 2,198 |
| Efficiency ratio | 61.2655% | 6,115 |
| Assets per employee ($millions) | 3.6404% | 4,310 |
| Cash dividends to net income (ytd only)* | 69.8819% | 2,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 1,732 |
| Loan loss allowance to noncurrent loans | 891.6667% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1498% | 6,971 |
| Noncurrent loans to loans | 0.1976% | 6,798 |
| Net loans and leases to total assets | 74.4831% | 2,995 |
| Net loans and leases to deposits | 94.1477% | 2,735 |
| Net loans and leases to core deposits | 123.2989% | 2,377 |
| Total domestic deposits to total assets | 79.1130% | 5,332 |
| Equity capital to assets | 10.7806% | 3,222 |
| Core capital (leverage) ratio | 10.4295% | 3,040 |
| Tier 1 risk-based capital ratio | 13.6014% | 3,760 |
| Total risk-based capital ratio | 14.8574% | 3,663 |
| Memoranda: | ||
| Average total assets | $39,578,000 | 7,233 |
| Average earning assets | $37,941,400 | 7,145 |
| Average equity | $4,221,000 | 7,422 |
| Average total loans | $29,352,800 | 6,751 |