Home > Valley Premier Bank > Performance and Condition Ratios
Valley Premier Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 3,521 |
| Cost of funding earning assets | 0.9649% | 3,381 |
| Net interest margin | 3.2869% | 2,668 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 2.4263% | 2,509 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 0.8823% | 2,601 |
| Return on assets (ROA) | 0.9081% | 2,493 |
| Pretax return on assets | 0.9089% | 2,941 |
| Return on Equity (ROE) | 15.5600% | 1,184 |
| Retained earnings to average equity (ytd only) | 12.3798% | 589 |
| Net charge-offs to loans | -0.0014% | 3,645 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.0570% | 1,548 |
| Assets per employee ($millions) | 5.3075% | 3,386 |
| Cash dividends to net income (ytd only)* | 20.4134% | 2,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8841% | 3,771 |
| 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 | 57.4700% | 3,082 |
| Net loans and leases to deposits | 61.7520% | 3,419 |
| Net loans and leases to core deposits | 62.9570% | 3,639 |
| Total domestic deposits to total assets | 93.0700% | 167 |
| Equity capital to assets | 6.6377% | 4,070 |
| Core capital (leverage) ratio | 10.3187% | 2,499 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $127,848,400 | 3,570 |
| Average earning assets | $123,947,600 | 3,506 |
| Average equity | $7,463,800 | 3,990 |
| Average total loans | $69,341,000 | 3,562 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1490% | 3,560 |
| Cost of funding earning assets | 0.8869% | 3,308 |
| Net interest margin | 3.2621% | 2,772 |
| Noninterest income to average assets | 0.1400% | 4,120 |
| Noninterest expense to average assets | 2.3547% | 2,642 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.9315% | 2,577 |
| Return on assets (ROA) | 0.9471% | 2,511 |
| Pretax return on assets | 0.9481% | 2,983 |
| Return on Equity (ROE) | 16.8000% | 1,113 |
| Retained earnings to average equity (ytd only) | 12.4165% | 900 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 71.2934% | 1,641 |
| Assets per employee ($millions) | 5.6984% | 3,019 |
| Cash dividends to net income (ytd only)* | 26.0726% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 3,736 |
| 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 | 54.8000% | 3,302 |
| Net loans and leases to deposits | 58.0484% | 3,606 |
| Net loans and leases to core deposits | 59.3022% | 3,727 |
| Total domestic deposits to total assets | 94.4100% | 152 |
| Equity capital to assets | 5.2227% | 4,208 |
| Core capital (leverage) ratio | 10.0695% | 2,755 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $127,965,750 | 3,585 |
| Average earning assets | $124,171,750 | 3,508 |
| Average equity | $7,216,000 | 4,020 |
| Average total loans | $68,211,250 | 3,590 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0504% | 3,584 |
| Cost of funding earning assets | 0.7828% | 3,258 |
| Net interest margin | 3.2676% | 2,830 |
| Noninterest income to average assets | 0.1500% | 4,060 |
| Noninterest expense to average assets | 2.4359% | 2,387 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.8808% | 2,819 |
| Return on assets (ROA) | 0.8965% | 2,754 |
| Pretax return on assets | 0.8981% | 3,168 |
| Return on Equity (ROE) | 15.5000% | 1,363 |
| Retained earnings to average equity (ytd only) | 11.2267% | 1,142 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.4093% | 1,415 |
| Assets per employee ($millions) | 5.0770% | 3,528 |
| Cash dividends to net income (ytd only)* | 27.5923% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9161% | 3,730 |
| 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 | 54.2800% | 3,252 |
| Net loans and leases to deposits | 57.8150% | 3,549 |
| Net loans and leases to core deposits | 59.2250% | 3,671 |
| Total domestic deposits to total assets | 93.8900% | 157 |
| Equity capital to assets | 5.8475% | 4,194 |
| Core capital (leverage) ratio | 9.9799% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $126,933,333 | 3,603 |
| Average earning assets | $123,149,333 | 3,524 |
| Average equity | $7,339,667 | 4,035 |
| Average total loans | $66,789,333 | 3,613 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9391% | 3,588 |
| Cost of funding earning assets | 0.6787% | 3,128 |
| Net interest margin | 3.2604% | 2,969 |
| Noninterest income to average assets | 0.1500% | 4,077 |
| Noninterest expense to average assets | 2.4516% | 2,367 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8603% | 2,991 |
| Return on assets (ROA) | 0.8729% | 2,900 |
| Pretax return on assets | 0.8760% | 3,296 |
| Return on Equity (ROE) | 15.1800% | 1,522 |
| Retained earnings to average equity (ytd only) | 12.4409% | 1,188 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.9544% | 1,345 |
| Assets per employee ($millions) | 5.2993% | 3,421 |
| Cash dividends to net income (ytd only)* | 18.0505% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 3,619 |
| 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 | 48.7900% | 3,582 |
| Net loans and leases to deposits | 51.8095% | 3,801 |
| Net loans and leases to core deposits | 52.6651% | 3,881 |
| Total domestic deposits to total assets | 94.1700% | 152 |
| Equity capital to assets | 5.6777% | 4,299 |
| Core capital (leverage) ratio | 9.8687% | 2,817 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $126,937,500 | 3,646 |
| Average earning assets | $123,176,000 | 3,569 |
| Average equity | $7,298,500 | 4,085 |
| Average total loans | $65,417,000 | 3,672 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4111% | 3,314 |
| Cost of funding earning assets | 0.2677% | 3,178 |
| Net interest margin | 3.1434% | 3,045 |
| Noninterest income to average assets | 0.1400% | 4,270 |
| Noninterest expense to average assets | 2.4322% | 2,331 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6857% | 3,658 |
| Return on assets (ROA) | 0.6873% | 3,600 |
| Pretax return on assets | 0.6881% | 3,871 |
| Return on Equity (ROE) | 9.8400% | 2,853 |
| Retained earnings to average equity (ytd only) | 5.5872% | 2,794 |
| Net charge-offs to loans | 0.0127% | 1,910 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 106.3750% | 949 |
| Efficiency ratio | 77.9876% | 850 |
| Assets per employee ($millions) | 4.8557% | 3,777 |
| Cash dividends to net income (ytd only)* | 43.1925% | 1,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9716% | 3,507 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 53.4800% | 3,243 |
| Net loans and leases to deposits | 56.8295% | 3,525 |
| Net loans and leases to core deposits | 57.4678% | 3,646 |
| Total domestic deposits to total assets | 94.1100% | 226 |
| Equity capital to assets | 5.8282% | 4,147 |
| Core capital (leverage) ratio | 10.0227% | 2,615 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $123,959,600 | 3,694 |
| Average earning assets | $117,295,200 | 3,652 |
| Average equity | $8,662,600 | 4,028 |
| Average total loans | $63,089,800 | 3,680 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2829% | 3,228 |
| Cost of funding earning assets | 0.2242% | 2,995 |
| Net interest margin | 3.0586% | 3,054 |
| Noninterest income to average assets | 0.1400% | 4,301 |
| Noninterest expense to average assets | 2.3926% | 2,359 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6185% | 3,790 |
| Return on assets (ROA) | 0.6185% | 3,745 |
| Pretax return on assets | 0.6196% | 3,953 |
| Return on Equity (ROE) | 8.5100% | 3,175 |
| Retained earnings to average equity (ytd only) | 3.0906% | 3,757 |
| Net charge-offs to loans | 0.0171% | 1,507 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 72.3750% | 1,092 |
| Efficiency ratio | 79.4316% | 807 |
| Assets per employee ($millions) | 5.1802% | 3,519 |
| Cash dividends to net income (ytd only)* | 63.6678% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 3,387 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 49.7800% | 3,477 |
| Net loans and leases to deposits | 52.7021% | 3,686 |
| Net loans and leases to core deposits | 53.2751% | 3,793 |
| Total domestic deposits to total assets | 94.4500% | 299 |
| Equity capital to assets | 5.3457% | 4,176 |
| Core capital (leverage) ratio | 9.9088% | 2,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $124,601,500 | 3,717 |
| Average earning assets | $117,129,500 | 3,683 |
| Average equity | $9,059,500 | 4,032 |
| Average total loans | $62,472,500 | 3,709 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1737% | 3,134 |
| Cost of funding earning assets | 0.1928% | 3,015 |
| Net interest margin | 2.9809% | 2,938 |
| Noninterest income to average assets | 0.1331% | 4,341 |
| Noninterest expense to average assets | 2.4027% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5068% | 3,875 |
| Return on assets (ROA) | 0.5004% | 3,845 |
| Pretax return on assets | 0.5020% | 3,996 |
| Return on Equity (ROE) | 6.3260% | 3,495 |
| Retained earnings to average equity (ytd only) | 1.0138% | 3,995 |
| Net charge-offs to loans | 0.0256% | 1,208 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 39.6250% | 1,263 |
| Efficiency ratio | 82.5344% | 761 |
| Assets per employee ($millions) | 4.9411% | 3,726 |
| Cash dividends to net income (ytd only)* | 83.9744% | 546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 3,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 49.5964% | 3,417 |
| Net loans and leases to deposits | 52.7746% | 3,628 |
| Net loans and leases to core deposits | 53.3514% | 3,733 |
| Total domestic deposits to total assets | 93.9778% | 288 |
| Equity capital to assets | 5.8813% | 4,239 |
| Core capital (leverage) ratio | 9.9340% | 2,469 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,693,667 | 3,758 |
| Average earning assets | $116,204,667 | 3,747 |
| Average equity | $9,864,000 | 4,010 |
| Average total loans | $62,455,667 | 3,752 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1154% | 2,932 |
| Cost of funding earning assets | 0.1806% | 3,078 |
| Net interest margin | 2.9348% | 2,724 |
| Noninterest income to average assets | 0.1181% | 4,411 |
| Noninterest expense to average assets | 2.4298% | 2,071 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3832% | 3,994 |
| Return on assets (ROA) | 0.3832% | 3,957 |
| Pretax return on assets | 0.3863% | 4,054 |
| Return on Equity (ROE) | 4.2997% | 3,805 |
| Retained earnings to average equity (ytd only) | 2.8665% | 3,309 |
| Net charge-offs to loans | 0.0510% | 781 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 15.1250% | 1,358 |
| Efficiency ratio | 86.2812% | 723 |
| Assets per employee ($millions) | 4.8952% | 3,842 |
| Cash dividends to net income (ytd only)* | 33.3333% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0366% | 3,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 49.6923% | 3,206 |
| Net loans and leases to deposits | 54.1325% | 3,411 |
| Net loans and leases to core deposits | 54.7411% | 3,543 |
| Total domestic deposits to total assets | 91.7976% | 659 |
| Equity capital to assets | 8.1076% | 3,488 |
| Core capital (leverage) ratio | 9.9627% | 2,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,277,000 | 3,772 |
| Average earning assets | $115,170,500 | 3,778 |
| Average equity | $11,163,500 | 3,941 |
| Average total loans | $62,732,500 | 3,748 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5234% | 2,594 |
| Cost of funding earning assets | 0.2227% | 3,225 |
| Net interest margin | 3.3008% | 2,315 |
| Noninterest income to average assets | 0.1601% | 4,349 |
| Noninterest expense to average assets | 2.3446% | 2,673 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8354% | 3,218 |
| Return on assets (ROA) | 0.8721% | 3,194 |
| Pretax return on assets | 0.8729% | 3,563 |
| Return on Equity (ROE) | 8.7838% | 2,987 |
| Retained earnings to average equity (ytd only) | 4.5924% | 2,972 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7113% | 1,339 |
| Assets per employee ($millions) | 5.1270% | 3,618 |
| Cash dividends to net income (ytd only)* | 47.7171% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0076% | 3,716 |
| 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 | 49.4402% | 3,355 |
| Net loans and leases to deposits | 54.7587% | 3,536 |
| Net loans and leases to core deposits | 55.4884% | 3,664 |
| Total domestic deposits to total assets | 90.2875% | 820 |
| Equity capital to assets | 9.6782% | 2,965 |
| Core capital (leverage) ratio | 9.7106% | 2,663 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,082,600 | 3,701 |
| Average earning assets | $117,214,800 | 3,721 |
| Average equity | $12,716,600 | 3,856 |
| Average total loans | $64,471,800 | 3,754 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6084% | 2,536 |
| Cost of funding earning assets | 0.2328% | 3,292 |
| Net interest margin | 3.3755% | 2,221 |
| Noninterest income to average assets | 0.1697% | 4,354 |
| Noninterest expense to average assets | 2.3291% | 2,656 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9339% | 3,136 |
| Return on assets (ROA) | 0.9766% | 3,080 |
| Pretax return on assets | 0.9776% | 3,526 |
| Return on Equity (ROE) | 9.7748% | 2,819 |
| Retained earnings to average equity (ytd only) | 4.2205% | 3,500 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3557% | 1,454 |
| Assets per employee ($millions) | 4.9634% | 3,735 |
| Cash dividends to net income (ytd only)* | 56.8230% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 3,814 |
| Loan loss allowance to noncurrent loans | 921.4286% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.0542% | 3,772 |
| Noncurrent loans to loans | 0.1094% | 3,547 |
| Net loans and leases to total assets | 49.0887% | 3,519 |
| Net loans and leases to deposits | 54.6330% | 3,685 |
| Net loans and leases to core deposits | 55.3567% | 3,824 |
| Total domestic deposits to total assets | 89.8518% | 836 |
| Equity capital to assets | 9.9630% | 2,938 |
| Core capital (leverage) ratio | 9.5057% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $128,059,500 | 3,738 |
| Average earning assets | $117,391,250 | 3,762 |
| Average equity | $12,794,500 | 3,900 |
| Average total loans | $64,586,000 | 3,804 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8353% | 1,981 |
| Cost of funding earning assets | 0.2461% | 3,311 |
| Net interest margin | 3.5892% | 1,614 |
| Noninterest income to average assets | 0.1738% | 4,340 |
| Noninterest expense to average assets | 2.3597% | 2,584 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.1008% | 2,547 |
| Return on assets (ROA) | 1.1274% | 2,512 |
| Pretax return on assets | 1.1289% | 3,116 |
| Return on Equity (ROE) | 11.2732% | 2,311 |
| Retained earnings to average equity (ytd only) | 4.8850% | 3,225 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1592% | 1,865 |
| Assets per employee ($millions) | 5.2137% | 3,442 |
| Cash dividends to net income (ytd only)* | 56.6667% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9584% | 3,972 |
| Loan loss allowance to noncurrent loans | 921.4286% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 3,874 |
| Noncurrent loans to loans | 0.1040% | 3,665 |
| Net loans and leases to total assets | 51.1385% | 3,434 |
| Net loans and leases to deposits | 56.7344% | 3,665 |
| Net loans and leases to core deposits | 57.4726% | 3,801 |
| Total domestic deposits to total assets | 90.1367% | 705 |
| Equity capital to assets | 9.7183% | 3,122 |
| Core capital (leverage) ratio | 9.4173% | 2,996 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,730,000 | 3,752 |
| Average earning assets | $117,017,333 | 3,772 |
| Average equity | $12,773,667 | 3,910 |
| Average total loans | $64,783,667 | 3,820 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2874% | 1,061 |
| Cost of funding earning assets | 0.2624% | 3,357 |
| Net interest margin | 4.0251% | 814 |
| Noninterest income to average assets | 0.1740% | 4,326 |
| Noninterest expense to average assets | 2.4299% | 2,400 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4301% | 1,496 |
| Return on assets (ROA) | 1.4586% | 1,487 |
| Pretax return on assets | 1.4617% | 2,103 |
| Return on Equity (ROE) | 14.3759% | 1,358 |
| Retained earnings to average equity (ytd only) | 9.0746% | 1,930 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8993% | 2,620 |
| Assets per employee ($millions) | 4.9082% | 3,755 |
| Cash dividends to net income (ytd only)* | 36.8764% | 1,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 3,855 |
| Loan loss allowance to noncurrent loans | 883.5616% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 3,970 |
| Noncurrent loans to loans | 0.1126% | 3,744 |
| Net loans and leases to total assets | 50.2758% | 3,600 |
| Net loans and leases to deposits | 55.9174% | 3,795 |
| Net loans and leases to core deposits | 56.6592% | 3,930 |
| Total domestic deposits to total assets | 89.9108% | 864 |
| Equity capital to assets | 9.9881% | 2,721 |
| Core capital (leverage) ratio | 9.8286% | 2,702 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $126,424,000 | 3,776 |
| Average earning assets | $115,873,500 | 3,783 |
| Average equity | $12,827,000 | 3,912 |
| Average total loans | $63,525,500 | 3,858 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9682% | 2,828 |
| Cost of funding earning assets | 0.4151% | 3,494 |
| Net interest margin | 3.5531% | 2,301 |
| Noninterest income to average assets | 0.1660% | 4,461 |
| Noninterest expense to average assets | 2.4580% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9212% | 2,604 |
| Return on assets (ROA) | 1.0183% | 2,364 |
| Pretax return on assets | 1.0191% | 2,981 |
| Return on Equity (ROE) | 9.8414% | 2,062 |
| Retained earnings to average equity (ytd only) | 6.5170% | 1,586 |
| Net charge-offs to loans | -0.0016% | 3,967 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7204% | 1,603 |
| Assets per employee ($millions) | 4.8168% | 3,590 |
| Cash dividends to net income (ytd only)* | 33.7793% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0362% | 3,736 |
| Loan loss allowance to noncurrent loans | 837.6623% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 4,036 |
| Noncurrent loans to loans | 0.1237% | 3,789 |
| Net loans and leases to total assets | 49.1895% | 3,891 |
| Net loans and leases to deposits | 54.8758% | 4,078 |
| Net loans and leases to core deposits | 55.6144% | 4,172 |
| Total domestic deposits to total assets | 89.6380% | 708 |
| Equity capital to assets | 10.3069% | 2,827 |
| Core capital (leverage) ratio | 9.5141% | 3,098 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $117,454,600 | 3,775 |
| Average earning assets | $106,245,400 | 3,822 |
| Average equity | $12,152,800 | 3,956 |
| Average total loans | $63,529,200 | 3,857 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 2,430 |
| Cost of funding earning assets | 0.4497% | 3,530 |
| Net interest margin | 3.7379% | 1,806 |
| Noninterest income to average assets | 0.1720% | 4,436 |
| Noninterest expense to average assets | 2.4667% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0619% | 2,102 |
| Return on assets (ROA) | 1.1901% | 1,793 |
| Pretax return on assets | 1.1912% | 2,419 |
| Return on Equity (ROE) | 11.4897% | 1,519 |
| Retained earnings to average equity (ytd only) | 6.9875% | 1,696 |
| Net charge-offs to loans | -0.0021% | 3,889 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8823% | 1,899 |
| Assets per employee ($millions) | 4.5829% | 3,739 |
| Cash dividends to net income (ytd only)* | 39.1853% | 1,973 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 3,706 |
| Loan loss allowance to noncurrent loans | 826.9231% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0630% | 4,121 |
| Noncurrent loans to loans | 0.1209% | 3,899 |
| Net loans and leases to total assets | 51.6127% | 3,989 |
| Net loans and leases to deposits | 57.7156% | 4,175 |
| Net loans and leases to core deposits | 58.6366% | 4,272 |
| Total domestic deposits to total assets | 89.4260% | 607 |
| Equity capital to assets | 10.3453% | 2,924 |
| Core capital (leverage) ratio | 9.7992% | 2,925 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,509,250 | 3,795 |
| Average earning assets | $103,763,500 | 3,850 |
| Average equity | $11,964,000 | 3,985 |
| Average total loans | $63,849,500 | 3,867 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 2,248 |
| Cost of funding earning assets | 0.4856% | 3,618 |
| Net interest margin | 3.9000% | 1,570 |
| Noninterest income to average assets | 0.1862% | 4,346 |
| Noninterest expense to average assets | 2.5256% | 2,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2344% | 1,534 |
| Return on assets (ROA) | 1.3249% | 1,393 |
| Pretax return on assets | 1.3266% | 1,943 |
| Return on Equity (ROE) | 12.7856% | 1,153 |
| Retained earnings to average equity (ytd only) | 7.8220% | 1,363 |
| Net charge-offs to loans | -0.0031% | 3,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1381% | 2,361 |
| Assets per employee ($millions) | 4.5966% | 3,656 |
| Cash dividends to net income (ytd only)* | 38.8220% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9721% | 3,700 |
| Loan loss allowance to noncurrent loans | 343.0851% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.1573% | 3,734 |
| Noncurrent loans to loans | 0.2833% | 3,363 |
| Net loans and leases to total assets | 54.9790% | 3,782 |
| Net loans and leases to deposits | 61.5300% | 4,036 |
| Net loans and leases to core deposits | 62.5432% | 4,154 |
| Total domestic deposits to total assets | 89.3533% | 627 |
| Equity capital to assets | 10.4610% | 2,778 |
| Core capital (leverage) ratio | 9.8821% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,766,667 | 3,820 |
| Average earning assets | $103,385,667 | 3,849 |
| Average equity | $11,685,000 | 4,022 |
| Average total loans | $63,629,667 | 3,880 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0019% | 3,781 |
| Cost of funding earning assets | 0.5134% | 3,876 |
| Net interest margin | 3.4885% | 3,022 |
| Noninterest income to average assets | 0.1938% | 4,389 |
| Noninterest expense to average assets | 2.6985% | 2,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7715% | 3,017 |
| Return on assets (ROA) | 0.9470% | 2,458 |
| Pretax return on assets | 0.9507% | 2,996 |
| Return on Equity (ROE) | 9.1872% | 2,032 |
| Retained earnings to average equity (ytd only) | 2.9796% | 3,092 |
| Net charge-offs to loans | -0.0064% | 3,928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6842% | 1,376 |
| Assets per employee ($millions) | 4.0260% | 3,880 |
| Cash dividends to net income (ytd only)* | 67.5676% | 1,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0451% | 3,469 |
| Loan loss allowance to noncurrent loans | 219.3878% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 3,091 |
| Noncurrent loans to loans | 0.4764% | 2,823 |
| Net loans and leases to total assets | 56.1826% | 3,826 |
| Net loans and leases to deposits | 62.8154% | 4,057 |
| Net loans and leases to core deposits | 63.7817% | 4,181 |
| Total domestic deposits to total assets | 89.4408% | 491 |
| Equity capital to assets | 10.4001% | 3,418 |
| Core capital (leverage) ratio | 10.2949% | 3,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $109,394,500 | 3,852 |
| Average earning assets | $102,851,500 | 3,839 |
| Average equity | $11,276,500 | 4,094 |
| Average total loans | $62,269,000 | 3,917 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 4,267 |
| Cost of funding earning assets | 0.4766% | 4,182 |
| Net interest margin | 3.5196% | 3,387 |
| Noninterest income to average assets | 0.1917% | 4,517 |
| Noninterest expense to average assets | 2.5118% | 3,414 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0601% | 2,617 |
| Return on assets (ROA) | 1.0683% | 2,682 |
| Pretax return on assets | 1.0692% | 3,265 |
| Return on Equity (ROE) | 10.8301% | 1,954 |
| Retained earnings to average equity (ytd only) | -3.6653% | 4,938 |
| Net charge-offs to loans | 0.0032% | 3,571 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 584.0000% | 168 |
| Efficiency ratio | 70.3026% | 2,128 |
| Assets per employee ($millions) | 4.0773% | 3,817 |
| Cash dividends to net income (ytd only)* | 133.8435% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 3,343 |
| Loan loss allowance to noncurrent loans | 113.7809% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 2,154 |
| Noncurrent loans to loans | 0.9010% | 1,706 |
| Net loans and leases to total assets | 56.4803% | 3,890 |
| Net loans and leases to deposits | 62.9683% | 4,138 |
| Net loans and leases to core deposits | 63.7370% | 4,291 |
| Total domestic deposits to total assets | 89.6964% | 425 |
| Equity capital to assets | 10.2173% | 3,716 |
| Core capital (leverage) ratio | 10.1678% | 3,334 |
| Tier 1 risk-based capital ratio | 16.4463% | 2,237 |
| Total risk-based capital ratio | 17.3987% | 2,301 |
| Memoranda: | ||
| Average total assets | $110,080,200 | 3,831 |
| Average earning assets | $105,750,200 | 3,783 |
| Average equity | $10,858,600 | 4,142 |
| Average total loans | $63,220,800 | 3,924 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0031% | 4,356 |
| Cost of funding earning assets | 0.4656% | 4,284 |
| Net interest margin | 3.5375% | 3,446 |
| Noninterest income to average assets | 0.1962% | 4,544 |
| Noninterest expense to average assets | 2.5060% | 3,420 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0937% | 2,595 |
| Return on assets (ROA) | 1.1010% | 2,658 |
| Pretax return on assets | 1.1022% | 3,291 |
| Return on Equity (ROE) | 11.2624% | 1,905 |
| Retained earnings to average equity (ytd only) | -8.2392% | 5,129 |
| Net charge-offs to loans | 0.0042% | 3,254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 451.4232% | 220 |
| Efficiency ratio | 69.5930% | 2,176 |
| Assets per employee ($millions) | 4.1150% | 3,737 |
| Cash dividends to net income (ytd only)* | 173.1569% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0358% | 3,365 |
| Loan loss allowance to noncurrent loans | 111.4187% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.5868% | 2,243 |
| Noncurrent loans to loans | 0.9296% | 1,727 |
| Net loans and leases to total assets | 55.3805% | 4,086 |
| Net loans and leases to deposits | 61.6620% | 4,310 |
| Net loans and leases to core deposits | 62.4062% | 4,441 |
| Total domestic deposits to total assets | 89.8131% | 336 |
| Equity capital to assets | 9.9492% | 4,070 |
| Core capital (leverage) ratio | 9.8195% | 3,830 |
| Tier 1 risk-based capital ratio | 16.1240% | 2,378 |
| Total risk-based capital ratio | 17.0806% | 2,437 |
| Memoranda: | ||
| Average total assets | $110,078,250 | 3,873 |
| Average earning assets | $105,947,750 | 3,821 |
| Average equity | $10,761,250 | 4,189 |
| Average total loans | $63,320,500 | 3,964 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 4,391 |
| Cost of funding earning assets | 0.4459% | 4,339 |
| Net interest margin | 3.5484% | 3,441 |
| Noninterest income to average assets | 0.1932% | 4,595 |
| Noninterest expense to average assets | 2.5188% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0954% | 2,540 |
| Return on assets (ROA) | 1.0990% | 2,594 |
| Pretax return on assets | 1.1008% | 3,231 |
| Return on Equity (ROE) | 11.3094% | 1,866 |
| Retained earnings to average equity (ytd only) | -15.7357% | 5,225 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6573% | 2,281 |
| Assets per employee ($millions) | 4.0497% | 3,808 |
| Cash dividends to net income (ytd only)* | 239.1376% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0272% | 3,459 |
| Loan loss allowance to noncurrent loans | 464.7482% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.1939% | 3,803 |
| Noncurrent loans to loans | 0.2210% | 3,748 |
| Net loans and leases to total assets | 56.9247% | 4,016 |
| Net loans and leases to deposits | 63.2431% | 4,260 |
| Net loans and leases to core deposits | 63.8491% | 4,424 |
| Total domestic deposits to total assets | 90.0092% | 330 |
| Equity capital to assets | 9.8179% | 4,125 |
| Core capital (leverage) ratio | 9.8426% | 3,771 |
| Tier 1 risk-based capital ratio | 15.9009% | 2,455 |
| Total risk-based capital ratio | 16.8627% | 2,512 |
| Memoranda: | ||
| Average total assets | $109,736,330 | 3,901 |
| Average earning assets | $105,850,330 | 3,845 |
| Average equity | $10,663,670 | 4,218 |
| Average total loans | $63,702,670 | 3,978 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0139% | 4,342 |
| Cost of funding earning assets | 0.4225% | 4,393 |
| Net interest margin | 3.5914% | 3,281 |
| Noninterest income to average assets | 0.1637% | 4,758 |
| Noninterest expense to average assets | 2.5215% | 3,441 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1025% | 2,452 |
| Return on assets (ROA) | 1.1098% | 2,481 |
| Pretax return on assets | 1.1134% | 3,108 |
| Return on Equity (ROE) | 11.4791% | 1,746 |
| Retained earnings to average equity (ytd only) | -0.2258% | 4,566 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5085% | 2,421 |
| Assets per employee ($millions) | 3.9727% | 3,965 |
| Cash dividends to net income (ytd only)* | 101.9672% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0147% | 3,605 |
| Loan loss allowance to noncurrent loans | 293.6364% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.2051% | 3,794 |
| Noncurrent loans to loans | 0.3456% | 3,341 |
| Net loans and leases to total assets | 58.7522% | 3,809 |
| Net loans and leases to deposits | 65.4848% | 4,097 |
| Net loans and leases to core deposits | 65.9502% | 4,284 |
| Total domestic deposits to total assets | 89.7188% | 555 |
| Equity capital to assets | 10.1600% | 3,668 |
| Core capital (leverage) ratio | 10.5211% | 3,029 |
| Tier 1 risk-based capital ratio | 16.9834% | 2,107 |
| Total risk-based capital ratio | 17.9389% | 2,158 |
| Memoranda: | ||
| Average total assets | $109,934,000 | 3,935 |
| Average earning assets | $106,031,500 | 3,885 |
| Average equity | $10,628,000 | 4,249 |
| Average total loans | $64,110,000 | 4,004 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9414% | 4,189 |
| Cost of funding earning assets | 0.2987% | 4,577 |
| Net interest margin | 3.6427% | 3,246 |
| Noninterest income to average assets | 0.1954% | 4,731 |
| Noninterest expense to average assets | 2.4750% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.2147% | 2,108 |
| Return on assets (ROA) | 1.2165% | 2,097 |
| Pretax return on assets | 1.2174% | 2,823 |
| Return on Equity (ROE) | 13.8692% | 1,077 |
| Retained earnings to average equity (ytd only) | 6.6348% | 1,847 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0625% | 2,699 |
| Assets per employee ($millions) | 4.1705% | 3,654 |
| Cash dividends to net income (ytd only)* | 52.1614% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 3,680 |
| Loan loss allowance to noncurrent loans | 142.9204% | 2,791 |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 2,948 |
| Noncurrent loans to loans | 0.7002% | 2,239 |
| Net loans and leases to total assets | 56.7546% | 4,073 |
| Net loans and leases to deposits | 62.5353% | 4,343 |
| Net loans and leases to core deposits | 62.9635% | 4,496 |
| Total domestic deposits to total assets | 90.7561% | 257 |
| Equity capital to assets | 9.1986% | 4,407 |
| Core capital (leverage) ratio | 10.2562% | 3,298 |
| Tier 1 risk-based capital ratio | 16.6843% | 2,173 |
| Total risk-based capital ratio | 17.6200% | 2,220 |
| Memoranda: | ||
| Average total assets | $114,098,800 | 3,882 |
| Average earning assets | $109,478,800 | 3,812 |
| Average equity | $10,007,800 | 4,295 |
| Average total loans | $64,797,200 | 3,988 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9263% | 4,145 |
| Cost of funding earning assets | 0.2819% | 4,620 |
| Net interest margin | 3.6444% | 3,210 |
| Noninterest income to average assets | 0.1933% | 4,815 |
| Noninterest expense to average assets | 2.4226% | 3,797 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2626% | 1,989 |
| Return on assets (ROA) | 1.2649% | 1,988 |
| Pretax return on assets | 1.2661% | 2,741 |
| Return on Equity (ROE) | 14.5960% | 959 |
| Retained earnings to average equity (ytd only) | 5.8599% | 2,728 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7188% | 2,920 |
| Assets per employee ($millions) | 3.9586% | 3,953 |
| Cash dividends to net income (ytd only)* | 59.8532% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,835 |
| Loan loss allowance to noncurrent loans | 373.4104% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 4,176 |
| Noncurrent loans to loans | 0.2650% | 3,737 |
| Net loans and leases to total assets | 58.3237% | 4,001 |
| Net loans and leases to deposits | 64.0795% | 4,326 |
| Net loans and leases to core deposits | 64.6932% | 4,475 |
| Total domestic deposits to total assets | 91.0177% | 215 |
| Equity capital to assets | 8.7956% | 4,726 |
| Core capital (leverage) ratio | 9.9900% | 3,649 |
| Tier 1 risk-based capital ratio | 16.2986% | 2,338 |
| Total risk-based capital ratio | 17.2311% | 2,394 |
| Memoranda: | ||
| Average total assets | $114,472,500 | 3,916 |
| Average earning assets | $109,719,250 | 3,848 |
| Average equity | $9,920,250 | 4,352 |
| Average total loans | $64,858,000 | 4,024 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8705% | 4,155 |
| Cost of funding earning assets | 0.2655% | 4,664 |
| Net interest margin | 3.6050% | 3,287 |
| Noninterest income to average assets | 0.1919% | 4,866 |
| Noninterest expense to average assets | 2.4239% | 3,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2171% | 2,116 |
| Return on assets (ROA) | 1.2154% | 2,122 |
| Pretax return on assets | 1.2171% | 2,883 |
| Return on Equity (ROE) | 14.0919% | 1,054 |
| Retained earnings to average equity (ytd only) | 4.8510% | 3,155 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5401% | 2,888 |
| Assets per employee ($millions) | 4.1788% | 3,614 |
| Cash dividends to net income (ytd only)* | 65.5761% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9757% | 3,982 |
| Loan loss allowance to noncurrent loans | 393.9024% | 1,343 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 4,263 |
| Noncurrent loans to loans | 0.2477% | 3,813 |
| Net loans and leases to total assets | 58.1115% | 3,982 |
| Net loans and leases to deposits | 63.6798% | 4,298 |
| Net loans and leases to core deposits | 64.4111% | 4,467 |
| Total domestic deposits to total assets | 91.2557% | 194 |
| Equity capital to assets | 8.6184% | 4,862 |
| Core capital (leverage) ratio | 9.4448% | 4,183 |
| Tier 1 risk-based capital ratio | 15.8687% | 2,484 |
| Total risk-based capital ratio | 16.7925% | 2,559 |
| Memoranda: | ||
| Average total assets | $115,683,330 | 3,931 |
| Average earning assets | $110,734,670 | 3,863 |
| Average equity | $9,977,330 | 4,383 |
| Average total loans | $64,713,330 | 4,053 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7517% | 4,352 |
| Cost of funding earning assets | 0.2396% | 4,766 |
| Net interest margin | 3.5120% | 3,493 |
| Noninterest income to average assets | 0.1947% | 4,851 |
| Noninterest expense to average assets | 2.3841% | 3,989 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1613% | 2,170 |
| Return on assets (ROA) | 1.1579% | 2,195 |
| Pretax return on assets | 1.1613% | 2,928 |
| Return on Equity (ROE) | 13.4204% | 1,154 |
| Retained earnings to average equity (ytd only) | 7.4822% | 2,055 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1800% | 2,969 |
| Assets per employee ($millions) | 4.4438% | 3,256 |
| Cash dividends to net income (ytd only)* | 44.2478% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 3,928 |
| Loan loss allowance to noncurrent loans | 178.4530% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.3017% | 3,641 |
| Noncurrent loans to loans | 0.5627% | 2,851 |
| Net loans and leases to total assets | 53.0788% | 4,362 |
| Net loans and leases to deposits | 57.8933% | 4,589 |
| Net loans and leases to core deposits | 58.6650% | 4,717 |
| Total domestic deposits to total assets | 91.6838% | 153 |
| Equity capital to assets | 8.2329% | 5,158 |
| Core capital (leverage) ratio | 9.4477% | 4,129 |
| Tier 1 risk-based capital ratio | 15.8027% | 2,553 |
| Total risk-based capital ratio | 16.7270% | 2,608 |
| Memoranda: | ||
| Average total assets | $117,111,000 | 3,947 |
| Average earning assets | $111,844,000 | 3,890 |
| Average equity | $10,104,000 | 4,411 |
| Average total loans | $63,964,000 | 4,100 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9339% | 3,626 |
| Cost of funding earning assets | 0.2330% | 4,706 |
| Net interest margin | 3.7009% | 2,796 |
| Noninterest income to average assets | 0.2269% | 4,780 |
| Noninterest expense to average assets | 2.7734% | 2,872 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9652% | 2,382 |
| Return on assets (ROA) | 1.0007% | 2,278 |
| Pretax return on assets | 1.0017% | 3,558 |
| Return on Equity (ROE) | 10.1099% | 1,838 |
| Retained earnings to average equity (ytd only) | 4.6616% | 2,346 |
| Net charge-offs to loans | 0.0016% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 1,005.0000% | 82 |
| Efficiency ratio | 74.1645% | 1,872 |
| Assets per employee ($millions) | 4.0800% | 3,841 |
| Cash dividends to net income (ytd only)* | 53.8905% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0158% | 3,841 |
| Loan loss allowance to noncurrent loans | 177.9614% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3178% | 3,605 |
| Noncurrent loans to loans | 0.5708% | 2,791 |
| Net loans and leases to total assets | 55.1042% | 4,264 |
| Net loans and leases to deposits | 60.6026% | 4,526 |
| Net loans and leases to core deposits | 61.5014% | 4,681 |
| Total domestic deposits to total assets | 90.9270% | 258 |
| Equity capital to assets | 9.0424% | 4,677 |
| Core capital (leverage) ratio | 10.0141% | 3,441 |
| Tier 1 risk-based capital ratio | 15.9886% | 2,433 |
| Total risk-based capital ratio | 16.9401% | 2,492 |
| Memoranda: | ||
| Average total assets | $104,023,600 | 4,168 |
| Average earning assets | $98,731,600 | 4,120 |
| Average equity | $10,296,800 | 4,406 |
| Average total loans | $63,394,400 | 4,117 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9940% | 3,380 |
| Cost of funding earning assets | 0.2341% | 4,715 |
| Net interest margin | 3.7598% | 2,539 |
| Noninterest income to average assets | 0.2181% | 4,915 |
| Noninterest expense to average assets | 2.8225% | 2,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9605% | 2,725 |
| Return on assets (ROA) | 1.0091% | 2,556 |
| Pretax return on assets | 1.0105% | 3,646 |
| Return on Equity (ROE) | 9.9526% | 2,155 |
| Retained earnings to average equity (ytd only) | 3.3434% | 3,939 |
| Net charge-offs to loans | 0.0021% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 733.8195% | 142 |
| Efficiency ratio | 74.5833% | 1,807 |
| Assets per employee ($millions) | 3.5592% | 4,639 |
| Cash dividends to net income (ytd only)* | 66.4062% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9952% | 4,091 |
| Loan loss allowance to noncurrent loans | 176.5027% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 3,615 |
| Noncurrent loans to loans | 0.5638% | 3,008 |
| Net loans and leases to total assets | 62.2636% | 3,620 |
| Net loans and leases to deposits | 69.4032% | 4,010 |
| Net loans and leases to core deposits | 70.9573% | 4,189 |
| Total domestic deposits to total assets | 89.7128% | 572 |
| Equity capital to assets | 10.0779% | 3,828 |
| Core capital (leverage) ratio | 10.6101% | 2,866 |
| Tier 1 risk-based capital ratio | 15.9907% | 2,511 |
| Total risk-based capital ratio | 16.9622% | 2,563 |
| Memoranda: | ||
| Average total assets | $101,469,500 | 4,254 |
| Average earning assets | $96,243,000 | 4,200 |
| Average equity | $10,288,500 | 4,447 |
| Average total loans | $63,343,750 | 4,148 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9685% | 3,323 |
| Cost of funding earning assets | 0.2306% | 4,712 |
| Net interest margin | 3.7378% | 2,523 |
| Noninterest income to average assets | 0.2141% | 4,969 |
| Noninterest expense to average assets | 2.8269% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9516% | 2,646 |
| Return on assets (ROA) | 0.9753% | 2,593 |
| Pretax return on assets | 0.9773% | 3,648 |
| Return on Equity (ROE) | 9.5994% | 2,218 |
| Retained earnings to average equity (ytd only) | 2.1267% | 4,404 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7771% | 1,885 |
| Assets per employee ($millions) | 3.5265% | 4,674 |
| Cash dividends to net income (ytd only)* | 77.8455% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0171% | 4,044 |
| Loan loss allowance to noncurrent loans | 5,391.6667% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0122% | 5,246 |
| Noncurrent loans to loans | 0.0189% | 5,095 |
| Net loans and leases to total assets | 63.7658% | 3,421 |
| Net loans and leases to deposits | 71.4093% | 3,791 |
| Net loans and leases to core deposits | 72.7509% | 4,039 |
| Total domestic deposits to total assets | 89.2962% | 809 |
| Equity capital to assets | 10.5559% | 3,275 |
| Core capital (leverage) ratio | 10.6177% | 2,789 |
| Tier 1 risk-based capital ratio | 16.3746% | 2,369 |
| Total risk-based capital ratio | 17.3851% | 2,393 |
| Memoranda: | ||
| Average total assets | $100,887,330 | 4,290 |
| Average earning assets | $96,259,000 | 4,227 |
| Average equity | $10,250,670 | 4,473 |
| Average total loans | $62,821,000 | 4,178 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 3,418 |
| Cost of funding earning assets | 0.2299% | 4,719 |
| Net interest margin | 3.6655% | 2,628 |
| Noninterest income to average assets | 0.2158% | 4,975 |
| Noninterest expense to average assets | 2.8364% | 2,661 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8788% | 2,863 |
| Return on assets (ROA) | 0.8945% | 2,836 |
| Pretax return on assets | 0.8984% | 3,777 |
| Return on Equity (ROE) | 8.9724% | 2,433 |
| Retained earnings to average equity (ytd only) | 2.4399% | 4,170 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2658% | 1,871 |
| Assets per employee ($millions) | 3.7171% | 4,474 |
| Cash dividends to net income (ytd only)* | 72.8070% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 4,071 |
| Loan loss allowance to noncurrent loans | 4,043.7500% | 193 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 5,285 |
| Noncurrent loans to loans | 0.0255% | 5,117 |
| Net loans and leases to total assets | 61.7558% | 3,573 |
| Net loans and leases to deposits | 68.8361% | 3,905 |
| Net loans and leases to core deposits | 70.1084% | 4,141 |
| Total domestic deposits to total assets | 89.7143% | 786 |
| Equity capital to assets | 10.1890% | 3,518 |
| Core capital (leverage) ratio | 10.2866% | 3,131 |
| Tier 1 risk-based capital ratio | 16.5250% | 2,350 |
| Total risk-based capital ratio | 17.5494% | 2,379 |
| Memoranda: | ||
| Average total assets | $101,960,500 | 4,312 |
| Average earning assets | $97,448,500 | 4,246 |
| Average equity | $10,164,500 | 4,514 |
| Average total loans | $62,426,500 | 4,227 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9518% | 3,378 |
| Cost of funding earning assets | 0.2313% | 4,726 |
| Net interest margin | 3.7204% | 2,609 |
| Noninterest income to average assets | 0.2020% | 5,205 |
| Noninterest expense to average assets | 2.6581% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0507% | 2,143 |
| Return on assets (ROA) | 1.0782% | 2,099 |
| Pretax return on assets | 1.0792% | 3,181 |
| Return on Equity (ROE) | 10.9540% | 1,595 |
| Retained earnings to average equity (ytd only) | 3.8247% | 3,198 |
| Net charge-offs to loans | 0.0032% | 4,153 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 554.5000% | 151 |
| Efficiency ratio | 71.6513% | 2,640 |
| Assets per employee ($millions) | 3.6985% | 4,478 |
| Cash dividends to net income (ytd only)* | 65.0836% | 1,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 4,080 |
| Loan loss allowance to noncurrent loans | 201.5576% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 4,032 |
| Noncurrent loans to loans | 0.5159% | 3,302 |
| Net loans and leases to total assets | 59.4633% | 3,911 |
| Net loans and leases to deposits | 65.9255% | 4,245 |
| Net loans and leases to core deposits | 67.4639% | 4,436 |
| Total domestic deposits to total assets | 90.1978% | 560 |
| Equity capital to assets | 9.7559% | 4,003 |
| Core capital (leverage) ratio | 9.8146% | 3,721 |
| Tier 1 risk-based capital ratio | 16.3799% | 2,393 |
| Total risk-based capital ratio | 17.4013% | 2,428 |
| Memoranda: | ||
| Average total assets | $105,452,200 | 4,248 |
| Average earning assets | $99,423,600 | 4,220 |
| Average equity | $10,379,800 | 4,511 |
| Average total loans | $62,009,000 | 4,228 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9796% | 3,297 |
| Cost of funding earning assets | 0.2317% | 4,779 |
| Net interest margin | 3.7479% | 2,527 |
| Noninterest income to average assets | 0.2052% | 5,241 |
| Noninterest expense to average assets | 2.6118% | 3,617 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1140% | 1,934 |
| Return on assets (ROA) | 1.1467% | 1,926 |
| Pretax return on assets | 1.1479% | 3,059 |
| Return on Equity (ROE) | 11.6245% | 1,439 |
| Retained earnings to average equity (ytd only) | 2.8200% | 4,203 |
| Net charge-offs to loans | 0.0021% | 3,862 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 888.1955% | 101 |
| Efficiency ratio | 70.0777% | 2,874 |
| Assets per employee ($millions) | 3.7595% | 4,378 |
| Cash dividends to net income (ytd only)* | 75.7410% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0285% | 4,263 |
| Loan loss allowance to noncurrent loans | 202.5000% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3040% | 4,199 |
| Noncurrent loans to loans | 0.5079% | 3,475 |
| Net loans and leases to total assets | 59.2351% | 3,976 |
| Net loans and leases to deposits | 66.0883% | 4,334 |
| Net loans and leases to core deposits | 67.6214% | 4,498 |
| Total domestic deposits to total assets | 89.6302% | 613 |
| Equity capital to assets | 10.2017% | 3,912 |
| Core capital (leverage) ratio | 9.7872% | 3,826 |
| Tier 1 risk-based capital ratio | 15.8333% | 2,691 |
| Total risk-based capital ratio | 16.8392% | 2,729 |
| Memoranda: | ||
| Average total assets | $105,925,750 | 4,281 |
| Average earning assets | $99,537,500 | 4,246 |
| Average equity | $10,449,000 | 4,548 |
| Average total loans | $61,954,750 | 4,261 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9981% | 3,255 |
| Cost of funding earning assets | 0.2306% | 4,846 |
| Net interest margin | 3.7676% | 2,447 |
| Noninterest income to average assets | 0.2016% | 5,290 |
| Noninterest expense to average assets | 2.6247% | 3,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1155% | 1,903 |
| Return on assets (ROA) | 1.1588% | 1,850 |
| Pretax return on assets | 1.1607% | 2,941 |
| Return on Equity (ROE) | 11.8814% | 1,360 |
| Retained earnings to average equity (ytd only) | 1.7581% | 4,681 |
| Net charge-offs to loans | 0.0032% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 593.0000% | 108 |
| Efficiency ratio | 70.1410% | 2,958 |
| Assets per employee ($millions) | 3.7272% | 4,398 |
| Cash dividends to net income (ytd only)* | 85.2033% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0526% | 4,215 |
| Loan loss allowance to noncurrent loans | 6,480.0000% | 120 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 5,584 |
| Noncurrent loans to loans | 0.0162% | 5,418 |
| Net loans and leases to total assets | 58.3661% | 4,083 |
| Net loans and leases to deposits | 65.0554% | 4,410 |
| Net loans and leases to core deposits | 66.5880% | 4,564 |
| Total domestic deposits to total assets | 89.7175% | 587 |
| Equity capital to assets | 10.1617% | 4,009 |
| Core capital (leverage) ratio | 9.5334% | 4,160 |
| Tier 1 risk-based capital ratio | 15.9843% | 2,652 |
| Total risk-based capital ratio | 17.0130% | 2,688 |
| Memoranda: | ||
| Average total assets | $106,145,330 | 4,307 |
| Average earning assets | $99,746,330 | 4,273 |
| Average equity | $10,352,330 | 4,590 |
| Average total loans | $61,605,330 | 4,295 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 3,052 |
| Cost of funding earning assets | 0.2323% | 4,879 |
| Net interest margin | 3.8131% | 2,245 |
| Noninterest income to average assets | 0.1943% | 5,344 |
| Noninterest expense to average assets | 2.6197% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1286% | 1,797 |
| Return on assets (ROA) | 1.2145% | 1,611 |
| Pretax return on assets | 1.2183% | 2,626 |
| Return on Equity (ROE) | 12.7127% | 1,101 |
| Retained earnings to average equity (ytd only) | 3.0119% | 4,006 |
| Net charge-offs to loans | 0.0065% | 2,897 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 303.0000% | 198 |
| Efficiency ratio | 69.8207% | 3,161 |
| Assets per employee ($millions) | 3.8386% | 4,231 |
| Cash dividends to net income (ytd only)* | 76.3077% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 4,309 |
| Loan loss allowance to noncurrent loans | 5,890.9091% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,633 |
| Noncurrent loans to loans | 0.0179% | 5,436 |
| Net loans and leases to total assets | 56.4965% | 4,198 |
| Net loans and leases to deposits | 62.5972% | 4,536 |
| Net loans and leases to core deposits | 63.8162% | 4,698 |
| Total domestic deposits to total assets | 90.2541% | 507 |
| Equity capital to assets | 9.6631% | 4,486 |
| Core capital (leverage) ratio | 9.3873% | 4,367 |
| Tier 1 risk-based capital ratio | 15.9138% | 2,724 |
| Total risk-based capital ratio | 16.9394% | 2,757 |
| Memoranda: | ||
| Average total assets | $107,037,000 | 4,327 |
| Average earning assets | $99,867,000 | 4,301 |
| Average equity | $10,226,000 | 4,627 |
| Average total loans | $61,628,000 | 4,325 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9550% | 3,496 |
| Cost of funding earning assets | 0.2459% | 4,824 |
| Net interest margin | 3.7090% | 2,720 |
| Noninterest income to average assets | 0.2332% | 5,198 |
| Noninterest expense to average assets | 2.6135% | 3,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0196% | 2,260 |
| Return on assets (ROA) | 1.0559% | 2,186 |
| Pretax return on assets | 1.0569% | 3,237 |
| Return on Equity (ROE) | 11.1319% | 1,569 |
| Retained earnings to average equity (ytd only) | 6.9814% | 1,285 |
| Net charge-offs to loans | 0.0017% | 4,416 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1,068.0000% | 50 |
| Efficiency ratio | 71.9169% | 2,921 |
| Assets per employee ($millions) | 3.6756% | 4,517 |
| Cash dividends to net income (ytd only)* | 37.2851% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0487% | 4,328 |
| Loan loss allowance to noncurrent loans | 5,900.0000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 5,664 |
| Noncurrent loans to loans | 0.0178% | 5,451 |
| Net loans and leases to total assets | 57.4484% | 4,150 |
| Net loans and leases to deposits | 63.4715% | 4,507 |
| Net loans and leases to core deposits | 64.7418% | 4,690 |
| Total domestic deposits to total assets | 90.5106% | 435 |
| Equity capital to assets | 9.4434% | 4,620 |
| Core capital (leverage) ratio | 9.2101% | 4,600 |
| Tier 1 risk-based capital ratio | 15.7238% | 2,816 |
| Total risk-based capital ratio | 16.7465% | 2,871 |
| Memoranda: | ||
| Average total assets | $104,648,600 | 4,366 |
| Average earning assets | $95,955,000 | 4,393 |
| Average equity | $9,926,400 | 4,671 |
| Average total loans | $58,406,600 | 4,414 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,498 |
| Cost of funding earning assets | 0.2497% | 4,882 |
| Net interest margin | 3.7096% | 2,726 |
| Noninterest income to average assets | 0.2355% | 5,244 |
| Noninterest expense to average assets | 2.5588% | 4,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0419% | 2,263 |
| Return on assets (ROA) | 1.0791% | 2,183 |
| Pretax return on assets | 1.0803% | 3,308 |
| Return on Equity (ROE) | 11.3630% | 1,584 |
| Retained earnings to average equity (ytd only) | 7.1575% | 1,618 |
| Net charge-offs to loans | 0.0023% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 817.0226% | 91 |
| Efficiency ratio | 71.0377% | 3,036 |
| Assets per employee ($millions) | 3.6860% | 4,472 |
| Cash dividends to net income (ytd only)* | 37.0108% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 4,337 |
| Loan loss allowance to noncurrent loans | 3,415.7895% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 5,726 |
| Noncurrent loans to loans | 0.0316% | 5,492 |
| Net loans and leases to total assets | 55.5700% | 4,402 |
| Net loans and leases to deposits | 61.4694% | 4,761 |
| Net loans and leases to core deposits | 62.4879% | 4,904 |
| Total domestic deposits to total assets | 90.4026% | 422 |
| Equity capital to assets | 9.4505% | 4,810 |
| Core capital (leverage) ratio | 9.2363% | 4,683 |
| Tier 1 risk-based capital ratio | 15.9558% | 2,819 |
| Total risk-based capital ratio | 17.0107% | 2,848 |
| Memoranda: | ||
| Average total assets | $104,162,500 | 4,423 |
| Average earning assets | $94,526,500 | 4,472 |
| Average equity | $9,891,500 | 4,731 |
| Average total loans | $57,537,000 | 4,486 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9394% | 3,535 |
| Cost of funding earning assets | 0.2516% | 4,922 |
| Net interest margin | 3.6879% | 2,762 |
| Noninterest income to average assets | 0.2324% | 5,301 |
| Noninterest expense to average assets | 2.5452% | 4,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0072% | 2,353 |
| Return on assets (ROA) | 1.0576% | 2,218 |
| Pretax return on assets | 1.0595% | 3,340 |
| Return on Equity (ROE) | 11.1187% | 1,642 |
| Retained earnings to average equity (ytd only) | 6.6386% | 1,881 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6076% | 3,052 |
| Assets per employee ($millions) | 3.8665% | 4,132 |
| Cash dividends to net income (ytd only)* | 40.2930% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 4,181 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 130 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,847 |
| Noncurrent loans to loans | 0.0226% | 5,668 |
| Net loans and leases to total assets | 54.4873% | 4,509 |
| Net loans and leases to deposits | 60.2627% | 4,829 |
| Net loans and leases to core deposits | 61.3892% | 4,984 |
| Total domestic deposits to total assets | 90.4162% | 490 |
| Equity capital to assets | 9.4746% | 4,681 |
| Core capital (leverage) ratio | 9.3196% | 4,526 |
| Tier 1 risk-based capital ratio | 16.1148% | 2,801 |
| Total risk-based capital ratio | 17.2046% | 2,836 |
| Memoranda: | ||
| Average total assets | $103,252,000 | 4,483 |
| Average earning assets | $93,008,000 | 4,532 |
| Average equity | $9,821,330 | 4,780 |
| Average total loans | $56,699,330 | 4,551 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9373% | 3,472 |
| Cost of funding earning assets | 0.2523% | 4,997 |
| Net interest margin | 3.6850% | 2,680 |
| Noninterest income to average assets | 0.2259% | 5,338 |
| Noninterest expense to average assets | 2.5594% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9622% | 2,435 |
| Return on assets (ROA) | 1.0635% | 2,117 |
| Pretax return on assets | 1.0674% | 3,228 |
| Return on Equity (ROE) | 11.1582% | 1,591 |
| Retained earnings to average equity (ytd only) | 9.1146% | 1,156 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5967% | 3,067 |
| Assets per employee ($millions) | 4.1397% | 3,677 |
| Cash dividends to net income (ytd only)* | 18.3150% | 2,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1566% | 4,227 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.0126% | 5,904 |
| Noncurrent loans to loans | 0.0231% | 5,712 |
| Net loans and leases to total assets | 53.6766% | 4,486 |
| Net loans and leases to deposits | 59.4332% | 4,784 |
| Net loans and leases to core deposits | 60.5652% | 4,951 |
| Total domestic deposits to total assets | 90.3142% | 601 |
| Equity capital to assets | 9.6027% | 4,634 |
| Core capital (leverage) ratio | 9.2775% | 4,613 |
| Tier 1 risk-based capital ratio | 16.0538% | 2,897 |
| Total risk-based capital ratio | 17.1513% | 2,913 |
| Memoranda: | ||
| Average total assets | $102,680,500 | 4,536 |
| Average earning assets | $91,941,000 | 4,596 |
| Average equity | $9,786,500 | 4,828 |
| Average total loans | $56,283,000 | 4,602 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0947% | 3,348 |
| Cost of funding earning assets | 0.2580% | 5,243 |
| Net interest margin | 3.8368% | 2,484 |
| Noninterest income to average assets | 0.2429% | 5,386 |
| Noninterest expense to average assets | 2.8090% | 3,446 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9685% | 2,535 |
| Return on assets (ROA) | 0.9903% | 2,505 |
| Pretax return on assets | 0.9914% | 3,533 |
| Return on Equity (ROE) | 10.2738% | 1,999 |
| Retained earnings to average equity (ytd only) | 2.0354% | 4,765 |
| Net charge-offs to loans | 0.0073% | 4,778 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 233.5000% | 234 |
| Efficiency ratio | 74.3407% | 2,779 |
| Assets per employee ($millions) | 3.7729% | 4,400 |
| Cash dividends to net income (ytd only)* | 80.1887% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1532% | 4,266 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 6,010 |
| Noncurrent loans to loans | 0.0231% | 5,796 |
| Net loans and leases to total assets | 54.6928% | 4,491 |
| Net loans and leases to deposits | 60.4304% | 4,866 |
| Net loans and leases to core deposits | 61.7573% | 5,016 |
| Total domestic deposits to total assets | 90.5055% | 537 |
| Equity capital to assets | 9.4582% | 4,770 |
| Core capital (leverage) ratio | 9.3916% | 4,399 |
| Tier 1 risk-based capital ratio | 15.6040% | 3,186 |
| Total risk-based capital ratio | 16.6964% | 3,189 |
| Memoranda: | ||
| Average total assets | $96,331,600 | 4,688 |
| Average earning assets | $88,772,400 | 4,683 |
| Average equity | $9,285,800 | 4,905 |
| Average total loans | $54,927,400 | 4,652 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0876% | 3,428 |
| Cost of funding earning assets | 0.2555% | 5,348 |
| Net interest margin | 3.8321% | 2,504 |
| Noninterest income to average assets | 0.2514% | 5,419 |
| Noninterest expense to average assets | 2.7846% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0251% | 2,344 |
| Return on assets (ROA) | 1.0532% | 2,286 |
| Pretax return on assets | 1.0546% | 3,363 |
| Return on Equity (ROE) | 10.8711% | 1,844 |
| Retained earnings to average equity (ytd only) | -0.2174% | 5,839 |
| Net charge-offs to loans | 0.0098% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 182.8593% | 351 |
| Efficiency ratio | 73.0656% | 2,976 |
| Assets per employee ($millions) | 3.5687% | 4,739 |
| Cash dividends to net income (ytd only)* | 101.9990% | 342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1493% | 4,507 |
| Loan loss allowance to noncurrent loans | 5,909.0909% | 119 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 6,136 |
| Noncurrent loans to loans | 0.0194% | 5,951 |
| Net loans and leases to total assets | 58.0213% | 4,066 |
| Net loans and leases to deposits | 64.2750% | 4,507 |
| Net loans and leases to core deposits | 64.7559% | 4,822 |
| Total domestic deposits to total assets | 90.2705% | 621 |
| Equity capital to assets | 9.5666% | 4,716 |
| Core capital (leverage) ratio | 9.5295% | 4,330 |
| Tier 1 risk-based capital ratio | 15.5161% | 3,309 |
| Total risk-based capital ratio | 16.6268% | 3,321 |
| Memoranda: | ||
| Average total assets | $94,947,250 | 4,772 |
| Average earning assets | $88,199,250 | 4,742 |
| Average equity | $9,198,500 | 4,959 |
| Average total loans | $54,568,000 | 4,704 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0946% | 3,369 |
| Cost of funding earning assets | 0.2562% | 5,419 |
| Net interest margin | 3.8384% | 2,420 |
| Noninterest income to average assets | 0.2561% | 5,364 |
| Noninterest expense to average assets | 2.7583% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0479% | 2,126 |
| Return on assets (ROA) | 1.0881% | 2,036 |
| Pretax return on assets | 1.0902% | 3,135 |
| Return on Equity (ROE) | 11.1836% | 1,678 |
| Retained earnings to average equity (ytd only) | -3.0896% | 6,104 |
| Net charge-offs to loans | 0.0148% | 3,940 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 124.0000% | 477 |
| Efficiency ratio | 72.4291% | 3,260 |
| Assets per employee ($millions) | 3.4958% | 4,857 |
| Cash dividends to net income (ytd only)* | 127.6265% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 4,427 |
| Loan loss allowance to noncurrent loans | 335.0515% | 1,370 |
| Noncurrent assets plus other real estate owned to assets | 0.2055% | 5,507 |
| Noncurrent loans to loans | 0.3579% | 4,924 |
| Net loans and leases to total assets | 56.7340% | 4,150 |
| Net loans and leases to deposits | 62.9337% | 4,604 |
| Net loans and leases to core deposits | 63.6042% | 4,852 |
| Total domestic deposits to total assets | 90.1490% | 739 |
| Equity capital to assets | 9.7313% | 4,452 |
| Core capital (leverage) ratio | 9.5112% | 4,318 |
| Tier 1 risk-based capital ratio | 15.9861% | 3,095 |
| Total risk-based capital ratio | 17.1466% | 3,082 |
| Memoranda: | ||
| Average total assets | $94,477,670 | 4,815 |
| Average earning assets | $87,432,330 | 4,782 |
| Average equity | $9,192,000 | 4,985 |
| Average total loans | $53,905,000 | 4,752 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0910% | 3,317 |
| Cost of funding earning assets | 0.2563% | 5,527 |
| Net interest margin | 3.8347% | 2,331 |
| Noninterest income to average assets | 0.2581% | 5,291 |
| Noninterest expense to average assets | 2.6829% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1172% | 1,744 |
| Return on assets (ROA) | 1.1807% | 1,601 |
| Pretax return on assets | 1.1849% | 2,547 |
| Return on Equity (ROE) | 12.1364% | 1,375 |
| Retained earnings to average equity (ytd only) | 7.7864% | 1,689 |
| Net charge-offs to loans | 0.0298% | 2,988 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 66.2500% | 611 |
| Efficiency ratio | 70.5228% | 3,741 |
| Assets per employee ($millions) | 3.4807% | 4,962 |
| Cash dividends to net income (ytd only)* | 35.8423% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 4,454 |
| Loan loss allowance to noncurrent loans | 321.7822% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 5,570 |
| Noncurrent loans to loans | 0.3838% | 4,973 |
| Net loans and leases to total assets | 55.3081% | 4,234 |
| Net loans and leases to deposits | 61.4797% | 4,606 |
| Net loans and leases to core deposits | 61.9516% | 4,885 |
| Total domestic deposits to total assets | 89.9616% | 1,090 |
| Equity capital to assets | 9.9480% | 3,904 |
| Core capital (leverage) ratio | 9.9113% | 3,693 |
| Tier 1 risk-based capital ratio | 17.0434% | 2,671 |
| Total risk-based capital ratio | 18.2378% | 2,650 |
| Memoranda: | ||
| Average total assets | $94,523,500 | 4,858 |
| Average earning assets | $87,412,000 | 4,838 |
| Average equity | $9,195,500 | 5,001 |
| Average total loans | $53,758,000 | 4,800 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1569% | 3,510 |
| Cost of funding earning assets | 0.3022% | 5,577 |
| Net interest margin | 3.8548% | 2,458 |
| Noninterest income to average assets | 0.2770% | 5,371 |
| Noninterest expense to average assets | 2.7062% | 4,076 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1040% | 1,920 |
| Return on assets (ROA) | 1.1050% | 1,986 |
| Pretax return on assets | 1.1061% | 2,930 |
| Return on Equity (ROE) | 11.5483% | 1,573 |
| Retained earnings to average equity (ytd only) | 7.9044% | 1,089 |
| Net charge-offs to loans | 0.0227% | 4,976 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 87.4167% | 514 |
| Efficiency ratio | 71.0061% | 3,669 |
| Assets per employee ($millions) | 3.5210% | 4,858 |
| Cash dividends to net income (ytd only)* | 31.5539% | 3,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1915% | 4,706 |
| Loan loss allowance to noncurrent loans | 573.6842% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 5,968 |
| Noncurrent loans to loans | 0.2077% | 5,561 |
| Net loans and leases to total assets | 57.0476% | 4,187 |
| Net loans and leases to deposits | 63.0819% | 4,598 |
| Net loans and leases to core deposits | 63.7897% | 4,887 |
| Total domestic deposits to total assets | 90.4342% | 854 |
| Equity capital to assets | 9.5111% | 4,416 |
| Core capital (leverage) ratio | 9.5084% | 4,249 |
| Tier 1 risk-based capital ratio | 15.9305% | 3,128 |
| Total risk-based capital ratio | 17.0759% | 3,140 |
| Memoranda: | ||
| Average total assets | $94,930,800 | 4,872 |
| Average earning assets | $87,035,000 | 4,854 |
| Average equity | $9,083,600 | 5,062 |
| Average total loans | $52,852,800 | 4,853 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1518% | 3,561 |
| Cost of funding earning assets | 0.3080% | 5,664 |
| Net interest margin | 3.8438% | 2,488 |
| Noninterest income to average assets | 0.2726% | 5,493 |
| Noninterest expense to average assets | 2.6569% | 4,169 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1212% | 1,927 |
| Return on assets (ROA) | 1.1226% | 1,992 |
| Pretax return on assets | 1.1240% | 3,006 |
| Return on Equity (ROE) | 11.7144% | 1,575 |
| Retained earnings to average equity (ytd only) | 6.8614% | 1,941 |
| Net charge-offs to loans | 0.0306% | 4,522 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 66.5819% | 690 |
| Efficiency ratio | 70.2974% | 3,705 |
| Assets per employee ($millions) | 3.3881% | 5,088 |
| Cash dividends to net income (ytd only)* | 41.4264% | 2,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 4,805 |
| Loan loss allowance to noncurrent loans | 470.5036% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 6,003 |
| Noncurrent loans to loans | 0.2582% | 5,581 |
| Net loans and leases to total assets | 56.0479% | 4,317 |
| Net loans and leases to deposits | 61.8663% | 4,781 |
| Net loans and leases to core deposits | 62.5696% | 5,057 |
| Total domestic deposits to total assets | 90.5953% | 705 |
| Equity capital to assets | 9.2677% | 4,839 |
| Core capital (leverage) ratio | 9.3342% | 4,643 |
| Tier 1 risk-based capital ratio | 15.6375% | 3,379 |
| Total risk-based capital ratio | 16.7937% | 3,410 |
| Memoranda: | ||
| Average total assets | $94,896,500 | 4,907 |
| Average earning assets | $86,578,000 | 4,912 |
| Average equity | $9,094,000 | 5,116 |
| Average total loans | $52,344,000 | 4,910 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 3,372 |
| Cost of funding earning assets | 0.3180% | 5,683 |
| Net interest margin | 3.8809% | 2,269 |
| Noninterest income to average assets | 0.2508% | 5,654 |
| Noninterest expense to average assets | 2.6405% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1316% | 1,809 |
| Return on assets (ROA) | 1.1337% | 1,913 |
| Pretax return on assets | 1.1359% | 2,944 |
| Return on Equity (ROE) | 11.7024% | 1,580 |
| Retained earnings to average equity (ytd only) | 6.9388% | 1,910 |
| Net charge-offs to loans | 0.0116% | 4,644 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 179.3333% | 278 |
| Efficiency ratio | 69.9609% | 3,832 |
| Assets per employee ($millions) | 3.3559% | 5,160 |
| Cash dividends to net income (ytd only)* | 40.7063% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2566% | 4,712 |
| Loan loss allowance to noncurrent loans | 329.8507% | 1,278 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 5,858 |
| Noncurrent loans to loans | 0.3810% | 5,324 |
| Net loans and leases to total assets | 55.4457% | 4,383 |
| Net loans and leases to deposits | 61.3081% | 4,824 |
| Net loans and leases to core deposits | 62.0115% | 5,092 |
| Total domestic deposits to total assets | 90.4378% | 791 |
| Equity capital to assets | 9.4621% | 4,632 |
| Core capital (leverage) ratio | 9.0752% | 4,869 |
| Tier 1 risk-based capital ratio | 15.7079% | 3,361 |
| Total risk-based capital ratio | 16.9054% | 3,341 |
| Memoranda: | ||
| Average total assets | $94,906,330 | 4,936 |
| Average earning assets | $86,165,670 | 4,948 |
| Average equity | $9,194,670 | 5,128 |
| Average total loans | $51,850,330 | 4,955 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2200% | 3,213 |
| Cost of funding earning assets | 0.3275% | 5,743 |
| Net interest margin | 3.8925% | 2,146 |
| Noninterest income to average assets | 0.2391% | 5,752 |
| Noninterest expense to average assets | 2.6379% | 4,284 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0862% | 1,914 |
| Return on assets (ROA) | 1.0904% | 2,005 |
| Pretax return on assets | 1.0946% | 2,975 |
| Return on Equity (ROE) | 11.1272% | 1,669 |
| Retained earnings to average equity (ytd only) | 11.1272% | 849 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7537% | 3,839 |
| Assets per employee ($millions) | 3.4490% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 4,682 |
| Loan loss allowance to noncurrent loans | 323.3010% | 1,234 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 5,924 |
| Noncurrent loans to loans | 0.4030% | 5,415 |
| Net loans and leases to total assets | 52.2372% | 4,673 |
| Net loans and leases to deposits | 57.9911% | 5,035 |
| Net loans and leases to core deposits | 58.6395% | 5,274 |
| Total domestic deposits to total assets | 90.0780% | 996 |
| Equity capital to assets | 9.8516% | 4,348 |
| Core capital (leverage) ratio | 9.1368% | 4,659 |
| Tier 1 risk-based capital ratio | 16.0034% | 3,270 |
| Total risk-based capital ratio | 17.2373% | 3,237 |
| Memoranda: | ||
| Average total assets | $95,377,500 | 4,963 |
| Average earning assets | $85,497,500 | 4,997 |
| Average equity | $9,346,500 | 5,146 |
| Average total loans | $51,394,500 | 5,010 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 2,507 |
| Cost of funding earning assets | 0.4486% | 5,590 |
| Net interest margin | 4.2740% | 1,462 |
| Noninterest income to average assets | 0.2701% | 5,527 |
| Noninterest expense to average assets | 2.8450% | 3,857 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2170% | 1,546 |
| Return on assets (ROA) | 1.2751% | 1,530 |
| Pretax return on assets | 1.2762% | 2,499 |
| Return on Equity (ROE) | 12.9302% | 1,246 |
| Retained earnings to average equity (ytd only) | 2.3242% | 4,600 |
| Net charge-offs to loans | 0.0481% | 5,243 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 45.2800% | 725 |
| Efficiency ratio | 70.0212% | 3,810 |
| Assets per employee ($millions) | 3.3636% | 5,304 |
| Cash dividends to net income (ytd only)* | 82.0253% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 4,695 |
| Loan loss allowance to noncurrent loans | 312.6761% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.2262% | 5,992 |
| Noncurrent loans to loans | 0.4122% | 5,453 |
| Net loans and leases to total assets | 54.1611% | 4,599 |
| Net loans and leases to deposits | 60.2343% | 5,003 |
| Net loans and leases to core deposits | 60.9256% | 5,282 |
| Total domestic deposits to total assets | 89.9174% | 996 |
| Equity capital to assets | 9.7460% | 4,536 |
| Core capital (leverage) ratio | 8.8213% | 5,146 |
| Tier 1 risk-based capital ratio | 15.4345% | 3,472 |
| Total risk-based capital ratio | 16.6614% | 3,440 |
| Memoranda: | ||
| Average total assets | $92,935,000 | 5,001 |
| Average earning assets | $82,475,400 | 5,055 |
| Average equity | $9,164,600 | 5,184 |
| Average total loans | $51,968,800 | 5,018 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8336% | 2,272 |
| Cost of funding earning assets | 0.4729% | 5,613 |
| Net interest margin | 4.3607% | 1,321 |
| Noninterest income to average assets | 0.2764% | 5,567 |
| Noninterest expense to average assets | 2.7868% | 4,027 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3373% | 1,358 |
| Return on assets (ROA) | 1.3574% | 1,450 |
| Pretax return on assets | 1.3589% | 2,378 |
| Return on Equity (ROE) | 13.7245% | 1,169 |
| Retained earnings to average equity (ytd only) | 1.9939% | 5,326 |
| Net charge-offs to loans | 0.0640% | 4,782 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 37.2028% | 932 |
| Efficiency ratio | 67.5506% | 4,161 |
| Assets per employee ($millions) | 3.3836% | 5,250 |
| Cash dividends to net income (ytd only)* | 85.4720% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 4,720 |
| Loan loss allowance to noncurrent loans | 131.1024% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5362% | 5,338 |
| Noncurrent loans to loans | 1.0076% | 4,442 |
| Net loans and leases to total assets | 52.5116% | 4,983 |
| Net loans and leases to deposits | 58.6128% | 5,364 |
| Net loans and leases to core deposits | 59.2918% | 5,624 |
| Total domestic deposits to total assets | 89.5906% | 1,077 |
| Equity capital to assets | 9.9651% | 4,539 |
| Core capital (leverage) ratio | 8.8288% | 5,297 |
| Tier 1 risk-based capital ratio | 15.4591% | 3,566 |
| Total risk-based capital ratio | 16.6993% | 3,524 |
| Memoranda: | ||
| Average total assets | $92,623,250 | 5,064 |
| Average earning assets | $81,758,250 | 5,122 |
| Average equity | $9,161,000 | 5,228 |
| Average total loans | $52,042,000 | 5,072 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8689% | 2,231 |
| Cost of funding earning assets | 0.4979% | 5,636 |
| Net interest margin | 4.3709% | 1,275 |
| Noninterest income to average assets | 0.2981% | 5,421 |
| Noninterest expense to average assets | 2.8787% | 3,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2946% | 1,456 |
| Return on assets (ROA) | 1.3251% | 1,521 |
| Pretax return on assets | 1.3273% | 2,456 |
| Return on Equity (ROE) | 13.4323% | 1,246 |
| Retained earnings to average equity (ytd only) | -0.7058% | 6,163 |
| Net charge-offs to loans | 0.0951% | 4,210 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 23.8400% | 1,240 |
| Efficiency ratio | 68.9422% | 3,952 |
| Assets per employee ($millions) | 3.3265% | 5,387 |
| Cash dividends to net income (ytd only)* | 105.2545% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2585% | 5,088 |
| Loan loss allowance to noncurrent loans | 133.7349% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.5347% | 5,427 |
| Noncurrent loans to loans | 0.9410% | 4,630 |
| Net loans and leases to total assets | 56.1036% | 4,451 |
| Net loans and leases to deposits | 62.5476% | 4,932 |
| Net loans and leases to core deposits | 63.0388% | 5,294 |
| Total domestic deposits to total assets | 89.6975% | 1,104 |
| Equity capital to assets | 9.8785% | 4,509 |
| Core capital (leverage) ratio | 8.8144% | 5,199 |
| Tier 1 risk-based capital ratio | 13.6518% | 4,704 |
| Total risk-based capital ratio | 14.7696% | 4,767 |
| Memoranda: | ||
| Average total assets | $91,917,330 | 5,112 |
| Average earning assets | $81,538,670 | 5,164 |
| Average equity | $9,067,670 | 5,247 |
| Average total loans | $52,584,000 | 5,081 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 2,132 |
| Cost of funding earning assets | 0.5345% | 5,585 |
| Net interest margin | 4.3961% | 1,233 |
| Noninterest income to average assets | 0.3110% | 5,396 |
| Noninterest expense to average assets | 3.1674% | 2,709 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9945% | 2,499 |
| Return on assets (ROA) | 0.9945% | 2,693 |
| Pretax return on assets | 0.9989% | 3,680 |
| Return on Equity (ROE) | 10.0878% | 2,377 |
| Retained earnings to average equity (ytd only) | -8.2657% | 6,774 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0252% | 2,784 |
| Assets per employee ($millions) | 3.2854% | 5,596 |
| Cash dividends to net income (ytd only)* | 181.9383% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3555% | 4,783 |
| Loan loss allowance to noncurrent loans | 154.5861% | 2,116 |
| Noncurrent assets plus other real estate owned to assets | 0.4859% | 5,644 |
| Noncurrent loans to loans | 0.8768% | 4,919 |
| Net loans and leases to total assets | 54.6651% | 4,611 |
| Net loans and leases to deposits | 60.7661% | 5,067 |
| Net loans and leases to core deposits | 61.2472% | 5,412 |
| Total domestic deposits to total assets | 89.9599% | 1,109 |
| Equity capital to assets | 9.6205% | 4,625 |
| Core capital (leverage) ratio | 8.7461% | 5,210 |
| Tier 1 risk-based capital ratio | 13.8311% | 4,587 |
| Total risk-based capital ratio | 15.0288% | 4,607 |
| Memoranda: | ||
| Average total assets | $91,305,000 | 5,167 |
| Average earning assets | $80,071,500 | 5,244 |
| Average equity | $9,001,000 | 5,282 |
| Average total loans | $52,415,000 | 5,129 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1907% | 2,104 |
| Cost of funding earning assets | 0.7286% | 5,349 |
| Net interest margin | 4.4621% | 1,225 |
| Noninterest income to average assets | 0.3410% | 5,091 |
| Noninterest expense to average assets | 2.7030% | 4,733 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7578% | 498 |
| Return on assets (ROA) | 1.8528% | 454 |
| Pretax return on assets | 1.8539% | 726 |
| Return on Equity (ROE) | 19.1743% | 304 |
| Retained earnings to average equity (ytd only) | 7.4494% | 1,289 |
| Net charge-offs to loans | 0.0370% | 5,946 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 76.8500% | 387 |
| Efficiency ratio | 60.5796% | 5,663 |
| Assets per employee ($millions) | 3.2364% | 5,641 |
| Cash dividends to net income (ytd only)* | 61.1489% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2831% | 5,006 |
| Loan loss allowance to noncurrent loans | 171.4640% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.4447% | 5,852 |
| Noncurrent loans to loans | 0.7483% | 5,201 |
| Net loans and leases to total assets | 58.6643% | 4,251 |
| Net loans and leases to deposits | 65.2987% | 4,836 |
| Net loans and leases to core deposits | 65.8226% | 5,268 |
| Total domestic deposits to total assets | 89.8399% | 1,077 |
| Equity capital to assets | 10.0994% | 4,038 |
| Core capital (leverage) ratio | 9.0107% | 4,766 |
| Tier 1 risk-based capital ratio | 13.7666% | 4,503 |
| Total risk-based capital ratio | 14.9317% | 4,529 |
| Memoranda: | ||
| Average total assets | $87,383,200 | 5,249 |
| Average earning assets | $80,701,800 | 5,209 |
| Average equity | $8,443,600 | 5,421 |
| Average total loans | $53,996,400 | 5,114 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2254% | 2,106 |
| Cost of funding earning assets | 0.7620% | 5,382 |
| Net interest margin | 4.4633% | 1,235 |
| Noninterest income to average assets | 0.3373% | 5,156 |
| Noninterest expense to average assets | 2.6612% | 4,866 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8419% | 479 |
| Return on assets (ROA) | 1.9697% | 395 |
| Pretax return on assets | 1.9713% | 663 |
| Return on Equity (ROE) | 20.6289% | 274 |
| Retained earnings to average equity (ytd only) | 7.3064% | 1,809 |
| Net charge-offs to loans | 0.0025% | 6,165 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 1,199.9699% | 16 |
| Efficiency ratio | 59.0769% | 5,856 |
| Assets per employee ($millions) | 3.1421% | 5,806 |
| Cash dividends to net income (ytd only)* | 64.5820% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 5,026 |
| Loan loss allowance to noncurrent loans | 131.7254% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6126% | 5,596 |
| Noncurrent loans to loans | 0.9847% | 4,922 |
| Net loans and leases to total assets | 61.4067% | 3,870 |
| Net loans and leases to deposits | 68.4971% | 4,521 |
| Net loans and leases to core deposits | 69.3028% | 5,028 |
| Total domestic deposits to total assets | 89.6487% | 1,069 |
| Equity capital to assets | 10.1683% | 4,134 |
| Core capital (leverage) ratio | 9.1267% | 4,752 |
| Tier 1 risk-based capital ratio | 13.3795% | 4,823 |
| Total risk-based capital ratio | 14.5688% | 4,843 |
| Memoranda: | ||
| Average total assets | $86,574,250 | 5,310 |
| Average earning assets | $80,834,250 | 5,249 |
| Average equity | $8,266,500 | 5,520 |
| Average total loans | $54,032,500 | 5,157 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2035% | 2,244 |
| Cost of funding earning assets | 0.8051% | 5,332 |
| Net interest margin | 4.3984% | 1,375 |
| Noninterest income to average assets | 0.3252% | 5,289 |
| Noninterest expense to average assets | 2.7106% | 4,778 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7235% | 573 |
| Return on assets (ROA) | 1.8140% | 520 |
| Pretax return on assets | 1.8164% | 844 |
| Return on Equity (ROE) | 19.4279% | 352 |
| Retained earnings to average equity (ytd only) | 2.9353% | 4,414 |
| Net charge-offs to loans | 0.0037% | 5,832 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 743.0000% | 39 |
| Efficiency ratio | 61.0995% | 5,716 |
| Assets per employee ($millions) | 3.0773% | 5,927 |
| Cash dividends to net income (ytd only)* | 84.8912% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3043% | 5,045 |
| Loan loss allowance to noncurrent loans | 115.8238% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.7114% | 5,483 |
| Noncurrent loans to loans | 1.1261% | 4,777 |
| Net loans and leases to total assets | 62.3520% | 3,821 |
| Net loans and leases to deposits | 69.1370% | 4,548 |
| Net loans and leases to core deposits | 69.9617% | 5,079 |
| Total domestic deposits to total assets | 90.1862% | 875 |
| Equity capital to assets | 9.6653% | 4,581 |
| Core capital (leverage) ratio | 8.7513% | 5,136 |
| Tier 1 risk-based capital ratio | 12.9024% | 4,998 |
| Total risk-based capital ratio | 14.0995% | 5,020 |
| Memoranda: | ||
| Average total assets | $86,106,000 | 5,369 |
| Average earning assets | $80,484,670 | 5,306 |
| Average equity | $8,040,000 | 5,600 |
| Average total loans | $53,798,330 | 5,223 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1503% | 2,434 |
| Cost of funding earning assets | 0.8427% | 5,316 |
| Net interest margin | 4.3076% | 1,540 |
| Noninterest income to average assets | 0.3160% | 5,399 |
| Noninterest expense to average assets | 2.7371% | 4,685 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6125% | 672 |
| Return on assets (ROA) | 1.6125% | 711 |
| Pretax return on assets | 1.6172% | 1,148 |
| Return on Equity (ROE) | 17.5785% | 514 |
| Retained earnings to average equity (ytd only) | -0.4559% | 5,877 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8602% | 5,544 |
| Assets per employee ($millions) | 3.1315% | 5,869 |
| Cash dividends to net income (ytd only)* | 102.5937% | 574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 4,865 |
| Loan loss allowance to noncurrent loans | 138.5965% | 2,140 |
| Noncurrent assets plus other real estate owned to assets | 0.5851% | 5,801 |
| Noncurrent loans to loans | 0.9801% | 5,086 |
| Net loans and leases to total assets | 58.8837% | 4,480 |
| Net loans and leases to deposits | 64.9226% | 5,141 |
| Net loans and leases to core deposits | 65.6783% | 5,549 |
| Total domestic deposits to total assets | 90.6983% | 763 |
| Equity capital to assets | 9.1626% | 4,933 |
| Core capital (leverage) ratio | 8.7717% | 4,968 |
| Tier 1 risk-based capital ratio | 12.8205% | 4,960 |
| Total risk-based capital ratio | 14.0317% | 4,966 |
| Memoranda: | ||
| Average total assets | $86,077,000 | 5,404 |
| Average earning assets | $80,695,000 | 5,338 |
| Average equity | $7,896,000 | 5,644 |
| Average total loans | $53,480,000 | 5,275 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6192% | 1,822 |
| Cost of funding earning assets | 1.1298% | 4,967 |
| Net interest margin | 4.4893% | 1,249 |
| Noninterest income to average assets | 0.3272% | 5,444 |
| Noninterest expense to average assets | 2.8179% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.6881% | 532 |
| Return on assets (ROA) | 1.7452% | 514 |
| Pretax return on assets | 1.7464% | 859 |
| Return on Equity (ROE) | 19.3334% | 291 |
| Retained earnings to average equity (ytd only) | 10.0507% | 515 |
| Net charge-offs to loans | -0.2230% | 7,550 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5202% | 5,626 |
| Assets per employee ($millions) | 3.0168% | 6,065 |
| Cash dividends to net income (ytd only)* | 48.0139% | 2,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,993 |
| Loan loss allowance to noncurrent loans | 500.7042% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.1681% | 6,809 |
| Noncurrent loans to loans | 0.2600% | 6,545 |
| Net loans and leases to total assets | 63.8172% | 3,910 |
| Net loans and leases to deposits | 70.3545% | 4,772 |
| Net loans and leases to core deposits | 71.2010% | 5,306 |
| Total domestic deposits to total assets | 90.7081% | 744 |
| Equity capital to assets | 9.1842% | 4,862 |
| Core capital (leverage) ratio | 8.9709% | 4,592 |
| Tier 1 risk-based capital ratio | 12.5129% | 5,012 |
| Total risk-based capital ratio | 13.6936% | 5,056 |
| Memoranda: | ||
| Average total assets | $82,224,000 | 5,523 |
| Average earning assets | $76,559,400 | 5,462 |
| Average equity | $7,422,400 | 5,903 |
| Average total loans | $54,263,200 | 5,305 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7178% | 1,653 |
| Cost of funding earning assets | 1.1731% | 5,020 |
| Net interest margin | 4.5447% | 1,159 |
| Noninterest income to average assets | 0.3396% | 5,446 |
| Noninterest expense to average assets | 2.7037% | 4,867 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8531% | 449 |
| Return on assets (ROA) | 1.9299% | 419 |
| Pretax return on assets | 1.9315% | 725 |
| Return on Equity (ROE) | 21.4752% | 224 |
| Retained earnings to average equity (ytd only) | 8.9389% | 1,073 |
| Net charge-offs to loans | -0.3815% | 7,667 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3123% | 6,065 |
| Assets per employee ($millions) | 2.9230% | 6,321 |
| Cash dividends to net income (ytd only)* | 58.3758% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3645% | 4,646 |
| Loan loss allowance to noncurrent loans | 141.0985% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 5,839 |
| Noncurrent loans to loans | 0.9670% | 5,303 |
| Net loans and leases to total assets | 65.8012% | 3,734 |
| Net loans and leases to deposits | 73.0812% | 4,675 |
| Net loans and leases to core deposits | 73.9878% | 5,294 |
| Total domestic deposits to total assets | 90.0385% | 858 |
| Equity capital to assets | 9.7416% | 4,480 |
| Core capital (leverage) ratio | 8.7871% | 5,033 |
| Tier 1 risk-based capital ratio | 12.1931% | 5,278 |
| Total risk-based capital ratio | 13.4407% | 5,249 |
| Memoranda: | ||
| Average total assets | $81,662,250 | 5,615 |
| Average earning assets | $75,808,500 | 5,553 |
| Average equity | $7,338,500 | 6,004 |
| Average total loans | $54,174,500 | 5,378 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7021% | 1,757 |
| Cost of funding earning assets | 1.2034% | 5,115 |
| Net interest margin | 4.4988% | 1,214 |
| Noninterest income to average assets | 0.3333% | 5,488 |
| Noninterest expense to average assets | 2.6887% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8112% | 477 |
| Return on assets (ROA) | 1.8995% | 442 |
| Pretax return on assets | 1.9019% | 731 |
| Return on Equity (ROE) | 21.7483% | 221 |
| Retained earnings to average equity (ytd only) | 6.4263% | 2,111 |
| Net charge-offs to loans | -0.6255% | 7,748 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7169% | 6,094 |
| Assets per employee ($millions) | 2.9677% | 6,205 |
| Cash dividends to net income (ytd only)* | 70.4516% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4256% | 4,306 |
| Loan loss allowance to noncurrent loans | 317.5732% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 6,696 |
| Noncurrent loans to loans | 0.4489% | 6,349 |
| Net loans and leases to total assets | 63.1578% | 4,429 |
| Net loans and leases to deposits | 69.5242% | 5,344 |
| Net loans and leases to core deposits | 70.0831% | 5,864 |
| Total domestic deposits to total assets | 90.8430% | 551 |
| Equity capital to assets | 8.9572% | 5,510 |
| Core capital (leverage) ratio | 8.5811% | 5,271 |
| Tier 1 risk-based capital ratio | 11.6460% | 5,632 |
| Total risk-based capital ratio | 12.8956% | 5,594 |
| Memoranda: | ||
| Average total assets | $81,601,330 | 5,645 |
| Average earning assets | $75,620,670 | 5,591 |
| Average equity | $7,127,000 | 6,101 |
| Average total loans | $54,032,670 | 5,422 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7931% | 1,483 |
| Cost of funding earning assets | 1.2322% | 5,223 |
| Net interest margin | 4.5609% | 1,023 |
| Noninterest income to average assets | 0.3265% | 5,533 |
| Noninterest expense to average assets | 2.7160% | 4,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8354% | 460 |
| Return on assets (ROA) | 1.8354% | 505 |
| Pretax return on assets | 1.8403% | 823 |
| Return on Equity (ROE) | 21.2943% | 311 |
| Retained earnings to average equity (ytd only) | -1.8367% | 6,187 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6091% | 6,241 |
| Assets per employee ($millions) | 2.8688% | 6,500 |
| Cash dividends to net income (ytd only)* | 108.6253% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0989% | 6,007 |
| Loan loss allowance to noncurrent loans | 327.7778% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 6,899 |
| Noncurrent loans to loans | 0.3353% | 6,625 |
| Net loans and leases to total assets | 66.1031% | 3,827 |
| Net loans and leases to deposits | 72.6186% | 4,969 |
| Net loans and leases to core deposits | 73.5144% | 5,544 |
| Total domestic deposits to total assets | 91.0278% | 531 |
| Equity capital to assets | 8.7481% | 5,657 |
| Core capital (leverage) ratio | 8.4193% | 5,526 |
| Tier 1 risk-based capital ratio | 11.3317% | 5,828 |
| Total risk-based capital ratio | 12.3212% | 6,064 |
| Memoranda: | ||
| Average total assets | $80,854,500 | 5,741 |
| Average earning assets | $74,985,500 | 5,671 |
| Average equity | $6,969,000 | 6,201 |
| Average total loans | $54,429,000 | 5,474 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0475% | 1,681 |
| Cost of funding earning assets | 1.5254% | 5,401 |
| Net interest margin | 4.5221% | 1,130 |
| Noninterest income to average assets | 0.3866% | 5,320 |
| Noninterest expense to average assets | 2.8791% | 4,612 |
| Loan and lease loss provision to assets | 0.4079% | 4,367 |
| Net operating income to assets | 1.3028% | 1,029 |
| Return on assets (ROA) | 1.8111% | 362 |
| Pretax return on assets | 1.8123% | 620 |
| Return on Equity (ROE) | 20.7943% | 206 |
| Retained earnings to average equity (ytd only) | 2.1183% | 3,624 |
| Net charge-offs to loans | 0.5090% | 3,744 |
| Credit loss provision to net charge-offs | 119.0476% | 4,514 |
| Earnings coverage of net charge-offs (x) | 4.9963% | 2,722 |
| Efficiency ratio | 62.7119% | 6,017 |
| Assets per employee ($millions) | 2.9065% | 6,445 |
| Cash dividends to net income (ytd only)* | 89.8129% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 6,044 |
| Loan loss allowance to noncurrent loans | 283.6538% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 6,812 |
| Noncurrent loans to loans | 0.3770% | 6,526 |
| Net loans and leases to total assets | 67.0656% | 3,910 |
| Net loans and leases to deposits | 73.4431% | 5,129 |
| Net loans and leases to core deposits | 79.4203% | 6,151 |
| Total domestic deposits to total assets | 91.3164% | 428 |
| Equity capital to assets | 8.4919% | 5,890 |
| Core capital (leverage) ratio | 8.3972% | 5,448 |
| Tier 1 risk-based capital ratio | 11.0740% | 5,849 |
| Total risk-based capital ratio | 12.0363% | 6,097 |
| Memoranda: | ||
| Average total assets | $79,676,600 | 5,740 |
| Average earning assets | $74,080,400 | 5,677 |
| Average equity | $6,939,400 | 6,288 |
| Average total loans | $53,635,400 | 5,523 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0881% | 1,692 |
| Cost of funding earning assets | 1.5704% | 5,538 |
| Net interest margin | 4.5177% | 1,149 |
| Noninterest income to average assets | 0.3583% | 5,628 |
| Noninterest expense to average assets | 2.8029% | 4,883 |
| Loan and lease loss provision to assets | 0.5468% | 3,201 |
| Net operating income to assets | 1.2080% | 1,447 |
| Return on assets (ROA) | 1.8641% | 411 |
| Pretax return on assets | 1.8658% | 704 |
| Return on Equity (ROE) | 21.2668% | 242 |
| Retained earnings to average equity (ytd only) | -3.6084% | 6,047 |
| Net charge-offs to loans | 0.6835% | 2,646 |
| Credit loss provision to net charge-offs | 119.0476% | 4,257 |
| Earnings coverage of net charge-offs (x) | 3.8242% | 3,373 |
| Efficiency ratio | 61.4760% | 6,198 |
| Assets per employee ($millions) | 2.8531% | 6,523 |
| Cash dividends to net income (ytd only)* | 116.9674% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0775% | 5,855 |
| Loan loss allowance to noncurrent loans | 157.3333% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 6,287 |
| Noncurrent loans to loans | 0.6849% | 5,931 |
| Net loans and leases to total assets | 67.8016% | 3,999 |
| Net loans and leases to deposits | 74.3398% | 5,323 |
| Net loans and leases to core deposits | 80.5496% | 6,298 |
| Total domestic deposits to total assets | 91.2050% | 342 |
| Equity capital to assets | 8.4233% | 6,355 |
| Core capital (leverage) ratio | 8.1263% | 6,142 |
| Tier 1 risk-based capital ratio | 10.6551% | 6,293 |
| Total risk-based capital ratio | 11.6291% | 6,531 |
| Memoranda: | ||
| Average total assets | $79,250,000 | 5,794 |
| Average earning assets | $73,693,500 | 5,731 |
| Average equity | $6,946,500 | 6,333 |
| Average total loans | $53,251,750 | 5,580 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0204% | 2,104 |
| Cost of funding earning assets | 1.6082% | 5,712 |
| Net interest margin | 4.4122% | 1,384 |
| Noninterest income to average assets | 0.3441% | 5,753 |
| Noninterest expense to average assets | 2.8138% | 4,898 |
| Loan and lease loss provision to assets | 0.8224% | 2,039 |
| Net operating income to assets | 0.8224% | 2,768 |
| Return on assets (ROA) | 1.6701% | 654 |
| Pretax return on assets | 1.6726% | 1,074 |
| Return on Equity (ROE) | 18.8061% | 419 |
| Retained earnings to average equity (ytd only) | 2.7069% | 3,822 |
| Net charge-offs to loans | 1.0161% | 1,745 |
| Credit loss provision to net charge-offs | 121.2687% | 3,826 |
| Earnings coverage of net charge-offs (x) | 2.4291% | 3,855 |
| Efficiency ratio | 63.0743% | 6,078 |
| Assets per employee ($millions) | 2.8155% | 6,586 |
| Cash dividends to net income (ytd only)* | 85.6061% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0956% | 5,635 |
| Loan loss allowance to noncurrent loans | 309.8958% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2435% | 6,874 |
| Noncurrent loans to loans | 0.3535% | 6,627 |
| Net loans and leases to total assets | 68.1347% | 4,133 |
| Net loans and leases to deposits | 75.0070% | 5,319 |
| Net loans and leases to core deposits | 81.0936% | 6,315 |
| Total domestic deposits to total assets | 90.8378% | 512 |
| Equity capital to assets | 8.7322% | 5,709 |
| Core capital (leverage) ratio | 8.3219% | 5,757 |
| Tier 1 risk-based capital ratio | 11.1728% | 5,699 |
| Total risk-based capital ratio | 12.1596% | 5,912 |
| Memoranda: | ||
| Average total assets | $79,038,000 | 5,832 |
| Average earning assets | $73,749,330 | 5,757 |
| Average equity | $7,019,000 | 6,364 |
| Average total loans | $52,751,000 | 5,647 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0090% | 2,327 |
| Cost of funding earning assets | 1.6201% | 5,946 |
| Net interest margin | 4.3889% | 1,374 |
| Noninterest income to average assets | 0.3184% | 5,903 |
| Noninterest expense to average assets | 2.7951% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6123% | 770 |
| Return on assets (ROA) | 2.3705% | 197 |
| Pretax return on assets | 2.3756% | 316 |
| Return on Equity (ROE) | 26.4729% | 159 |
| Retained earnings to average equity (ytd only) | -5.4188% | 6,615 |
| Net charge-offs to loans | -0.0077% | 7,243 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3448% | 5,803 |
| Assets per employee ($millions) | 2.8738% | 6,468 |
| Cash dividends to net income (ytd only)* | 120.4691% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0371% | 5,883 |
| Loan loss allowance to noncurrent loans | 322.7545% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.2075% | 6,900 |
| Noncurrent loans to loans | 0.3213% | 6,639 |
| Net loans and leases to total assets | 63.9172% | 5,005 |
| Net loans and leases to deposits | 70.2475% | 5,954 |
| Net loans and leases to core deposits | 76.0263% | 6,674 |
| Total domestic deposits to total assets | 90.9886% | 418 |
| Equity capital to assets | 8.6323% | 5,866 |
| Core capital (leverage) ratio | 8.2839% | 5,933 |
| Tier 1 risk-based capital ratio | 11.2920% | 5,606 |
| Total risk-based capital ratio | 12.2218% | 5,832 |
| Memoranda: | ||
| Average total assets | $79,139,500 | 5,857 |
| Average earning assets | $73,822,500 | 5,781 |
| Average equity | $7,086,500 | 6,376 |
| Average total loans | $51,972,000 | 5,720 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3130% | 3,894 |
| Cost of funding earning assets | 2.2686% | 5,295 |
| Net interest margin | 4.0444% | 2,929 |
| Noninterest income to average assets | 0.4003% | 5,469 |
| Noninterest expense to average assets | 2.5812% | 5,713 |
| Loan and lease loss provision to assets | 0.0654% | 6,569 |
| Net operating income to assets | 1.4888% | 1,051 |
| Return on assets (ROA) | 1.5751% | 845 |
| Pretax return on assets | 1.5764% | 1,454 |
| Return on Equity (ROE) | 18.5648% | 485 |
| Retained earnings to average equity (ytd only) | 7.7713% | 909 |
| Net charge-offs to loans | 0.0041% | 6,930 |
| Credit loss provision to net charge-offs | 2,500.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 594.5000% | 98 |
| Efficiency ratio | 62.3972% | 5,879 |
| Assets per employee ($millions) | 2.7791% | 6,614 |
| Cash dividends to net income (ytd only)* | 58.1395% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 5,746 |
| Loan loss allowance to noncurrent loans | 192.1429% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 6,154 |
| Noncurrent loans to loans | 0.5387% | 5,747 |
| Net loans and leases to total assets | 66.1012% | 4,829 |
| Net loans and leases to deposits | 73.1186% | 5,937 |
| Net loans and leases to core deposits | 79.4243% | 6,656 |
| Total domestic deposits to total assets | 90.4028% | 519 |
| Equity capital to assets | 9.2875% | 4,950 |
| Core capital (leverage) ratio | 8.4311% | 5,695 |
| Tier 1 risk-based capital ratio | 11.7595% | 5,011 |
| Total risk-based capital ratio | 12.7120% | 5,176 |
| Memoranda: | ||
| Average total assets | $76,438,200 | 5,817 |
| Average earning assets | $70,616,200 | 5,797 |
| Average equity | $6,485,400 | 6,647 |
| Average total loans | $48,377,000 | 5,761 |