Home > Fannin Bank > Performance and Condition Ratios
Fannin 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 | 4.9727% | 2,125 |
| Cost of funding earning assets | 1.8595% | 1,141 |
| Net interest margin | 3.1132% | 3,071 |
| Noninterest income to average assets | 0.5900% | 1,571 |
| Noninterest expense to average assets | 3.0065% | 1,119 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.4612% | 3,745 |
| Return on assets (ROA) | 0.4612% | 3,743 |
| Pretax return on assets | 0.4612% | 3,878 |
| Return on Equity (ROE) | 14.5000% | 1,384 |
| Retained earnings to average equity (ytd only) | 5.0121% | 2,605 |
| Net charge-offs to loans | 0.0384% | 1,541 |
| Credit loss provision to net charge-offs | 100.0000% | 1,838 |
| Earnings coverage of net charge-offs (x) | 22.6000% | 1,812 |
| Efficiency ratio | 86.1689% | 548 |
| Assets per employee ($millions) | 5.1444% | 3,523 |
| Cash dividends to net income (ytd only)* | 65.4321% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4359% | 1,252 |
| Loan loss allowance to noncurrent loans | 619.7861% | 1,248 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 2,668 |
| Noncurrent loans to loans | 0.2317% | 2,385 |
| Net loans and leases to total assets | 55.2300% | 3,259 |
| Net loans and leases to deposits | 59.4000% | 3,560 |
| Net loans and leases to core deposits | 65.7395% | 3,507 |
| Total domestic deposits to total assets | 92.9800% | 179 |
| Equity capital to assets | 3.8808% | 4,503 |
| Core capital (leverage) ratio | 7.9585% | 4,373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9865% | 1,533 |
| Memoranda: | ||
| Average total assets | $140,495,200 | 3,457 |
| Average earning assets | $130,733,000 | 3,443 |
| Average equity | $4,469,200 | 4,310 |
| Average total loans | $78,070,800 | 3,437 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9021% | 2,055 |
| Cost of funding earning assets | 1.7193% | 1,152 |
| Net interest margin | 3.1827% | 2,955 |
| Noninterest income to average assets | 0.5900% | 1,557 |
| Noninterest expense to average assets | 3.0227% | 1,041 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 0.5062% | 3,751 |
| Return on assets (ROA) | 0.5062% | 3,751 |
| Pretax return on assets | 0.5062% | 3,894 |
| Return on Equity (ROE) | 16.8700% | 1,097 |
| Retained earnings to average equity (ytd only) | 4.7743% | 3,016 |
| Net charge-offs to loans | 0.0413% | 1,296 |
| Credit loss provision to net charge-offs | 95.8333% | 1,658 |
| Earnings coverage of net charge-offs (x) | 23.0417% | 1,743 |
| Efficiency ratio | 85.1264% | 556 |
| Assets per employee ($millions) | 4.8602% | 3,705 |
| Cash dividends to net income (ytd only)* | 71.6981% | 615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 1,280 |
| Loan loss allowance to noncurrent loans | 632.2404% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 2,687 |
| Noncurrent loans to loans | 0.2282% | 2,437 |
| Net loans and leases to total assets | 56.0800% | 3,195 |
| Net loans and leases to deposits | 60.5378% | 3,478 |
| Net loans and leases to core deposits | 65.8529% | 3,434 |
| Total domestic deposits to total assets | 92.6300% | 360 |
| Equity capital to assets | 2.3648% | 4,527 |
| Core capital (leverage) ratio | 7.9229% | 4,420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9003% | 1,595 |
| Memoranda: | ||
| Average total assets | $139,608,000 | 3,470 |
| Average earning assets | $129,738,250 | 3,455 |
| Average equity | $4,189,000 | 4,348 |
| Average total loans | $77,409,250 | 3,450 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7864% | 2,022 |
| Cost of funding earning assets | 1.4816% | 1,278 |
| Net interest margin | 3.3047% | 2,738 |
| Noninterest income to average assets | 0.5900% | 1,494 |
| Noninterest expense to average assets | 3.0123% | 1,028 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.6194% | 3,532 |
| Return on assets (ROA) | 0.6194% | 3,536 |
| Pretax return on assets | 0.6194% | 3,761 |
| Return on Equity (ROE) | 19.2700% | 797 |
| Retained earnings to average equity (ytd only) | 7.8671% | 2,009 |
| Net charge-offs to loans | 0.0706% | 856 |
| Credit loss provision to net charge-offs | 74.0741% | 1,576 |
| Earnings coverage of net charge-offs (x) | 16.7037% | 1,821 |
| Efficiency ratio | 82.2929% | 691 |
| Assets per employee ($millions) | 4.7272% | 3,806 |
| Cash dividends to net income (ytd only)* | 59.1647% | 1,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4587% | 1,315 |
| Loan loss allowance to noncurrent loans | 553.3654% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,522 |
| Noncurrent loans to loans | 0.2636% | 2,214 |
| Net loans and leases to total assets | 54.8300% | 3,206 |
| Net loans and leases to deposits | 61.6816% | 3,327 |
| Net loans and leases to core deposits | 66.7098% | 3,311 |
| Total domestic deposits to total assets | 88.8900% | 1,296 |
| Equity capital to assets | 3.0603% | 4,567 |
| Core capital (leverage) ratio | 7.9281% | 4,430 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1348% | 1,534 |
| Memoranda: | ||
| Average total assets | $139,162,333 | 3,482 |
| Average earning assets | $129,451,333 | 3,469 |
| Average equity | $4,474,333 | 4,342 |
| Average total loans | $76,480,000 | 3,469 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 2,011 |
| Cost of funding earning assets | 1.1185% | 1,702 |
| Net interest margin | 3.5107% | 2,333 |
| Noninterest income to average assets | 0.6000% | 1,426 |
| Noninterest expense to average assets | 3.0500% | 995 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 0.8010% | 3,189 |
| Return on assets (ROA) | 0.8010% | 3,141 |
| Pretax return on assets | 0.8010% | 3,463 |
| Return on Equity (ROE) | 24.3100% | 441 |
| Retained earnings to average equity (ytd only) | 11.5380% | 1,352 |
| Net charge-offs to loans | 0.0531% | 831 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 28.6000% | 1,326 |
| Efficiency ratio | 78.6088% | 947 |
| Assets per employee ($millions) | 4.7642% | 3,825 |
| Cash dividends to net income (ytd only)* | 52.5362% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5026% | 1,246 |
| Loan loss allowance to noncurrent loans | 544.1315% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.1542% | 2,432 |
| Noncurrent loans to loans | 0.2762% | 2,159 |
| Net loans and leases to total assets | 54.9900% | 3,120 |
| Net loans and leases to deposits | 59.1139% | 3,388 |
| Net loans and leases to core deposits | 64.5483% | 3,316 |
| Total domestic deposits to total assets | 93.0200% | 304 |
| Equity capital to assets | 3.4517% | 4,575 |
| Core capital (leverage) ratio | 8.0767% | 4,394 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1294% | 1,592 |
| Memoranda: | ||
| Average total assets | $137,835,500 | 3,535 |
| Average earning assets | $128,749,500 | 3,520 |
| Average equity | $4,541,500 | 4,397 |
| Average total loans | $75,266,000 | 3,525 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 1,397 |
| Cost of funding earning assets | 0.4754% | 1,547 |
| Net interest margin | 3.6571% | 1,481 |
| Noninterest income to average assets | 0.5700% | 1,784 |
| Noninterest expense to average assets | 3.1048% | 830 |
| Loan and lease loss provision to assets | 0.0400% | 2,129 |
| Net operating income to assets | 0.8361% | 3,203 |
| Return on assets (ROA) | 0.7939% | 3,282 |
| Pretax return on assets | 0.7939% | 3,638 |
| Return on Equity (ROE) | 18.8400% | 594 |
| Retained earnings to average equity (ytd only) | 8.8767% | 1,516 |
| Net charge-offs to loans | 0.0541% | 1,122 |
| Credit loss provision to net charge-offs | 152.6316% | 1,289 |
| Earnings coverage of net charge-offs (x) | 32.2895% | 1,647 |
| Efficiency ratio | 77.9634% | 853 |
| Assets per employee ($millions) | 4.5836% | 3,978 |
| Cash dividends to net income (ytd only)* | 52.8829% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5790% | 1,013 |
| Loan loss allowance to noncurrent loans | 579.5000% | 1,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1454% | 2,519 |
| Noncurrent loans to loans | 0.2725% | 2,179 |
| Net loans and leases to total assets | 52.5400% | 3,321 |
| Net loans and leases to deposits | 55.9877% | 3,581 |
| Net loans and leases to core deposits | 58.1046% | 3,607 |
| Total domestic deposits to total assets | 93.8400% | 259 |
| Equity capital to assets | 3.1373% | 4,601 |
| Core capital (leverage) ratio | 7.8315% | 4,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1605% | 1,582 |
| Memoranda: | ||
| Average total assets | $139,816,600 | 3,531 |
| Average earning assets | $130,405,600 | 3,529 |
| Average equity | $5,891,800 | 4,337 |
| Average total loans | $70,286,800 | 3,572 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 1,238 |
| Cost of funding earning assets | 0.4154% | 1,187 |
| Net interest margin | 3.6009% | 1,387 |
| Noninterest income to average assets | 0.5600% | 1,859 |
| Noninterest expense to average assets | 3.0210% | 879 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.8433% | 3,087 |
| Return on assets (ROA) | 0.8205% | 3,136 |
| Pretax return on assets | 0.8205% | 3,528 |
| Return on Equity (ROE) | 18.3300% | 604 |
| Retained earnings to average equity (ytd only) | 9.2687% | 1,561 |
| Net charge-offs to loans | 0.0614% | 876 |
| Credit loss provision to net charge-offs | 165.6250% | 1,078 |
| Earnings coverage of net charge-offs (x) | 29.4063% | 1,525 |
| Efficiency ratio | 77.1713% | 983 |
| Assets per employee ($millions) | 4.6977% | 3,910 |
| Cash dividends to net income (ytd only)* | 49.4213% | 1,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5987% | 1,064 |
| Loan loss allowance to noncurrent loans | 527.2727% | 1,540 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 2,526 |
| Noncurrent loans to loans | 0.3032% | 2,156 |
| Net loans and leases to total assets | 50.6600% | 3,407 |
| Net loans and leases to deposits | 53.5184% | 3,631 |
| Net loans and leases to core deposits | 55.9276% | 3,632 |
| Total domestic deposits to total assets | 94.6600% | 266 |
| Equity capital to assets | 2.3387% | 4,646 |
| Core capital (leverage) ratio | 7.8554% | 4,463 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9061% | 1,738 |
| Memoranda: | ||
| Average total assets | $140,393,750 | 3,555 |
| Average earning assets | $130,965,250 | 3,535 |
| Average equity | $6,286,250 | 4,336 |
| Average total loans | $69,508,250 | 3,598 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9421% | 1,044 |
| Cost of funding earning assets | 0.3959% | 939 |
| Net interest margin | 3.5462% | 1,190 |
| Noninterest income to average assets | 0.5449% | 1,973 |
| Noninterest expense to average assets | 3.0567% | 781 |
| Loan and lease loss provision to assets | 0.0542% | 1,608 |
| Net operating income to assets | 0.7431% | 3,163 |
| Return on assets (ROA) | 0.7089% | 3,232 |
| Pretax return on assets | 0.7089% | 3,553 |
| Return on Equity (ROE) | 13.6482% | 1,201 |
| Retained earnings to average equity (ytd only) | 6.2612% | 2,253 |
| Net charge-offs to loans | 0.0350% | 1,039 |
| Credit loss provision to net charge-offs | 316.6667% | 782 |
| Earnings coverage of net charge-offs (x) | 46.5833% | 1,192 |
| Efficiency ratio | 79.3116% | 996 |
| Assets per employee ($millions) | 5.1597% | 3,539 |
| Cash dividends to net income (ytd only)* | 54.1247% | 1,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6477% | 1,053 |
| Loan loss allowance to noncurrent loans | 554.2857% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 2,662 |
| Noncurrent loans to loans | 0.2973% | 2,272 |
| Net loans and leases to total assets | 49.8719% | 3,390 |
| Net loans and leases to deposits | 53.8134% | 3,552 |
| Net loans and leases to core deposits | 56.3483% | 3,536 |
| Total domestic deposits to total assets | 92.6755% | 594 |
| Equity capital to assets | 2.9043% | 4,694 |
| Core capital (leverage) ratio | 7.7599% | 4,458 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.9982% | 1,706 |
| Memoranda: | ||
| Average total assets | $140,214,667 | 3,598 |
| Average earning assets | $130,843,333 | 3,586 |
| Average equity | $7,283,000 | 4,282 |
| Average total loans | $68,491,000 | 3,643 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 987 |
| Cost of funding earning assets | 0.3802% | 988 |
| Net interest margin | 3.4799% | 1,127 |
| Noninterest income to average assets | 0.5346% | 1,973 |
| Noninterest expense to average assets | 3.0341% | 782 |
| Loan and lease loss provision to assets | 0.0654% | 1,247 |
| Net operating income to assets | 0.6882% | 3,101 |
| Return on assets (ROA) | 0.6199% | 3,311 |
| Pretax return on assets | 0.6199% | 3,581 |
| Return on Equity (ROE) | 9.7961% | 2,049 |
| Retained earnings to average equity (ytd only) | 3.5949% | 3,076 |
| Net charge-offs to loans | 0.0534% | 756 |
| Credit loss provision to net charge-offs | 255.5556% | 713 |
| Earnings coverage of net charge-offs (x) | 29.4444% | 1,142 |
| Efficiency ratio | 80.1051% | 1,147 |
| Assets per employee ($millions) | 4.9014% | 3,834 |
| Cash dividends to net income (ytd only)* | 63.3028% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6779% | 1,090 |
| Loan loss allowance to noncurrent loans | 507.4890% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.1597% | 2,685 |
| Noncurrent loans to loans | 0.3306% | 2,296 |
| Net loans and leases to total assets | 47.4919% | 3,437 |
| Net loans and leases to deposits | 53.2004% | 3,477 |
| Net loans and leases to core deposits | 55.0557% | 3,522 |
| Total domestic deposits to total assets | 89.2699% | 1,945 |
| Equity capital to assets | 5.0794% | 4,715 |
| Core capital (leverage) ratio | 7.6699% | 4,490 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7812% | 1,880 |
| Memoranda: | ||
| Average total assets | $140,665,500 | 3,611 |
| Average earning assets | $131,498,000 | 3,598 |
| Average equity | $8,901,500 | 4,167 |
| Average total loans | $67,415,500 | 3,668 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 938 |
| Cost of funding earning assets | 0.5007% | 928 |
| Net interest margin | 3.7340% | 1,132 |
| Noninterest income to average assets | 0.6430% | 1,977 |
| Noninterest expense to average assets | 3.0889% | 853 |
| Loan and lease loss provision to assets | 0.1327% | 920 |
| Net operating income to assets | 0.9025% | 3,036 |
| Return on assets (ROA) | 0.9534% | 2,929 |
| Pretax return on assets | 0.9534% | 3,370 |
| Return on Equity (ROE) | 11.7445% | 1,899 |
| Retained earnings to average equity (ytd only) | 4.1147% | 3,181 |
| Net charge-offs to loans | 0.1400% | 667 |
| Credit loss provision to net charge-offs | 189.4737% | 1,342 |
| Earnings coverage of net charge-offs (x) | 14.7789% | 2,022 |
| Efficiency ratio | 74.8972% | 1,222 |
| Assets per employee ($millions) | 4.4900% | 4,124 |
| Cash dividends to net income (ytd only)* | 64.9652% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7212% | 1,004 |
| Loan loss allowance to noncurrent loans | 484.6809% | 1,466 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 2,749 |
| Noncurrent loans to loans | 0.3551% | 2,309 |
| Net loans and leases to total assets | 46.7235% | 3,632 |
| Net loans and leases to deposits | 53.9227% | 3,604 |
| Net loans and leases to core deposits | 56.0309% | 3,614 |
| Total domestic deposits to total assets | 86.6491% | 2,643 |
| Equity capital to assets | 7.6033% | 4,552 |
| Core capital (leverage) ratio | 7.7798% | 4,481 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.3844% | 1,717 |
| Memoranda: | ||
| Average total assets | $135,616,200 | 3,623 |
| Average earning assets | $126,431,400 | 3,613 |
| Average equity | $11,009,400 | 4,034 |
| Average total loans | $67,854,400 | 3,687 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 905 |
| Cost of funding earning assets | 0.5331% | 900 |
| Net interest margin | 3.7985% | 1,122 |
| Noninterest income to average assets | 0.6670% | 1,944 |
| Noninterest expense to average assets | 3.0274% | 923 |
| Loan and lease loss provision to assets | 0.1633% | 673 |
| Net operating income to assets | 1.0164% | 2,849 |
| Return on assets (ROA) | 1.0847% | 2,668 |
| Pretax return on assets | 1.0847% | 3,230 |
| Return on Equity (ROE) | 13.1459% | 1,655 |
| Retained earnings to average equity (ytd only) | 5.1696% | 3,153 |
| Net charge-offs to loans | 0.2050% | 405 |
| Credit loss provision to net charge-offs | 157.1429% | 1,332 |
| Earnings coverage of net charge-offs (x) | 11.3524% | 2,000 |
| Efficiency ratio | 71.9595% | 1,407 |
| Assets per employee ($millions) | 4.3441% | 4,235 |
| Cash dividends to net income (ytd only)* | 60.6752% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6972% | 1,113 |
| Loan loss allowance to noncurrent loans | 459.9174% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 2,959 |
| Noncurrent loans to loans | 0.3690% | 2,461 |
| Net loans and leases to total assets | 46.3751% | 3,762 |
| Net loans and leases to deposits | 53.8626% | 3,751 |
| Net loans and leases to core deposits | 55.6158% | 3,802 |
| Total domestic deposits to total assets | 86.0988% | 2,709 |
| Equity capital to assets | 8.0692% | 4,484 |
| Core capital (leverage) ratio | 7.7486% | 4,600 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5369% | 1,782 |
| Memoranda: | ||
| Average total assets | $134,723,000 | 3,673 |
| Average earning assets | $125,554,500 | 3,655 |
| Average equity | $11,116,000 | 4,075 |
| Average total loans | $68,274,750 | 3,738 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 780 |
| Cost of funding earning assets | 0.5546% | 918 |
| Net interest margin | 3.9000% | 973 |
| Noninterest income to average assets | 0.7127% | 1,759 |
| Noninterest expense to average assets | 3.0639% | 891 |
| Loan and lease loss provision to assets | 0.2176% | 490 |
| Net operating income to assets | 1.0713% | 2,643 |
| Return on assets (ROA) | 1.1808% | 2,327 |
| Pretax return on assets | 1.1808% | 2,964 |
| Return on Equity (ROE) | 14.2028% | 1,351 |
| Retained earnings to average equity (ytd only) | 8.8249% | 1,766 |
| Net charge-offs to loans | 0.3065% | 280 |
| Credit loss provision to net charge-offs | 136.7925% | 1,199 |
| Earnings coverage of net charge-offs (x) | 8.1038% | 1,893 |
| Efficiency ratio | 70.3895% | 1,590 |
| Assets per employee ($millions) | 4.1411% | 4,369 |
| Cash dividends to net income (ytd only)* | 37.8653% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5939% | 1,287 |
| Loan loss allowance to noncurrent loans | 590.8108% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.1354% | 3,338 |
| Noncurrent loans to loans | 0.2698% | 2,970 |
| Net loans and leases to total assets | 49.3802% | 3,620 |
| Net loans and leases to deposits | 57.4923% | 3,597 |
| Net loans and leases to core deposits | 61.6462% | 3,497 |
| Total domestic deposits to total assets | 85.8901% | 2,779 |
| Equity capital to assets | 8.2163% | 4,420 |
| Core capital (leverage) ratio | 8.0127% | 4,423 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0380% | 1,955 |
| Memoranda: | ||
| Average total assets | $133,294,000 | 3,700 |
| Average earning assets | $124,410,667 | 3,686 |
| Average equity | $11,082,333 | 4,090 |
| Average total loans | $69,173,333 | 3,741 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2111% | 1,183 |
| Cost of funding earning assets | 0.5699% | 1,009 |
| Net interest margin | 3.6412% | 1,472 |
| Noninterest income to average assets | 0.5714% | 2,322 |
| Noninterest expense to average assets | 2.9906% | 1,014 |
| Loan and lease loss provision to assets | 0.1520% | 853 |
| Net operating income to assets | 0.8267% | 3,333 |
| Return on assets (ROA) | 1.0485% | 2,723 |
| Pretax return on assets | 1.0485% | 3,235 |
| Return on Equity (ROE) | 12.5346% | 1,822 |
| Retained earnings to average equity (ytd only) | 7.7024% | 2,348 |
| Net charge-offs to loans | 0.6909% | 113 |
| Credit loss provision to net charge-offs | 41.6667% | 1,346 |
| Earnings coverage of net charge-offs (x) | 2.6833% | 1,799 |
| Efficiency ratio | 75.3446% | 1,195 |
| Assets per employee ($millions) | 4.2034% | 4,343 |
| Cash dividends to net income (ytd only)* | 38.5507% | 1,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 1,882 |
| Loan loss allowance to noncurrent loans | 101.7598% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.7182% | 1,293 |
| Noncurrent loans to loans | 1.3931% | 907 |
| Net loans and leases to total assets | 50.8200% | 3,556 |
| Net loans and leases to deposits | 59.0398% | 3,558 |
| Net loans and leases to core deposits | 63.4448% | 3,461 |
| Total domestic deposits to total assets | 86.0776% | 2,705 |
| Equity capital to assets | 7.9897% | 4,498 |
| Core capital (leverage) ratio | 8.0379% | 4,540 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7502% | 1,985 |
| Memoranda: | ||
| Average total assets | $131,613,000 | 3,721 |
| Average earning assets | $122,818,000 | 3,709 |
| Average equity | $11,009,500 | 4,110 |
| Average total loans | $69,473,000 | 3,752 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 501 |
| Cost of funding earning assets | 0.7886% | 1,258 |
| Net interest margin | 4.2004% | 637 |
| Noninterest income to average assets | 0.5534% | 2,409 |
| Noninterest expense to average assets | 3.3819% | 806 |
| Loan and lease loss provision to assets | 0.4045% | 767 |
| Net operating income to assets | 0.6577% | 3,568 |
| Return on assets (ROA) | 0.7644% | 3,347 |
| Pretax return on assets | 0.7644% | 3,721 |
| Return on Equity (ROE) | 8.7229% | 2,508 |
| Retained earnings to average equity (ytd only) | 3.8045% | 2,914 |
| Net charge-offs to loans | 0.6544% | 229 |
| Credit loss provision to net charge-offs | 106.0738% | 2,762 |
| Earnings coverage of net charge-offs (x) | 2.7852% | 3,133 |
| Efficiency ratio | 76.0983% | 1,215 |
| Assets per employee ($millions) | 4.0224% | 4,359 |
| Cash dividends to net income (ytd only)* | 56.3853% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 1,537 |
| Loan loss allowance to noncurrent loans | 111.3108% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 0.7350% | 1,404 |
| Noncurrent loans to loans | 1.3591% | 998 |
| Net loans and leases to total assets | 53.2583% | 3,552 |
| Net loans and leases to deposits | 62.6217% | 3,560 |
| Net loans and leases to core deposits | 68.7025% | 3,357 |
| Total domestic deposits to total assets | 85.0477% | 2,742 |
| Equity capital to assets | 8.7573% | 4,253 |
| Core capital (leverage) ratio | 7.9801% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7676% | 1,942 |
| Memoranda: | ||
| Average total assets | $120,880,400 | 3,736 |
| Average earning assets | $111,966,200 | 3,735 |
| Average equity | $10,592,800 | 4,142 |
| Average total loans | $70,447,600 | 3,724 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1179% | 483 |
| Cost of funding earning assets | 0.8405% | 1,309 |
| Net interest margin | 4.2775% | 617 |
| Noninterest income to average assets | 0.5460% | 2,400 |
| Noninterest expense to average assets | 3.5014% | 705 |
| Loan and lease loss provision to assets | 0.3523% | 1,075 |
| Net operating income to assets | 0.6469% | 3,637 |
| Return on assets (ROA) | 0.7848% | 3,265 |
| Pretax return on assets | 0.7848% | 3,684 |
| Return on Equity (ROE) | 8.9543% | 2,414 |
| Retained earnings to average equity (ytd only) | 4.2213% | 2,936 |
| Net charge-offs to loans | 0.5510% | 273 |
| Credit loss provision to net charge-offs | 107.5342% | 2,569 |
| Earnings coverage of net charge-offs (x) | 3.0514% | 2,938 |
| Efficiency ratio | 77.8027% | 1,056 |
| Assets per employee ($millions) | 4.0200% | 4,297 |
| Cash dividends to net income (ytd only)* | 52.8571% | 1,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 1,523 |
| Loan loss allowance to noncurrent loans | 102.8487% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7913% | 1,459 |
| Noncurrent loans to loans | 1.4125% | 1,023 |
| Net loans and leases to total assets | 55.2118% | 3,687 |
| Net loans and leases to deposits | 64.9259% | 3,712 |
| Net loans and leases to core deposits | 71.2409% | 3,540 |
| Total domestic deposits to total assets | 85.0382% | 2,418 |
| Equity capital to assets | 8.6318% | 4,383 |
| Core capital (leverage) ratio | 8.1319% | 4,580 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6953% | 1,927 |
| Memoranda: | ||
| Average total assets | $118,921,500 | 3,753 |
| Average earning assets | $109,938,000 | 3,753 |
| Average equity | $10,423,000 | 4,167 |
| Average total loans | $70,658,250 | 3,738 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2628% | 510 |
| Cost of funding earning assets | 0.8593% | 1,548 |
| Net interest margin | 4.4035% | 612 |
| Noninterest income to average assets | 0.5515% | 2,345 |
| Noninterest expense to average assets | 3.5252% | 732 |
| Loan and lease loss provision to assets | 0.4633% | 823 |
| Net operating income to assets | 0.6207% | 3,673 |
| Return on assets (ROA) | 0.8333% | 3,045 |
| Pretax return on assets | 0.8333% | 3,497 |
| Return on Equity (ROE) | 9.4547% | 2,175 |
| Retained earnings to average equity (ytd only) | 3.9623% | 2,928 |
| Net charge-offs to loans | 0.8235% | 189 |
| Credit loss provision to net charge-offs | 92.7336% | 2,452 |
| Earnings coverage of net charge-offs (x) | 2.1696% | 2,798 |
| Efficiency ratio | 76.4816% | 1,222 |
| Assets per employee ($millions) | 3.8663% | 4,421 |
| Cash dividends to net income (ytd only)* | 58.0913% | 1,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4242% | 1,505 |
| Loan loss allowance to noncurrent loans | 95.7102% | 3,279 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 1,465 |
| Noncurrent loans to loans | 1.4881% | 1,017 |
| Net loans and leases to total assets | 56.1662% | 3,669 |
| Net loans and leases to deposits | 66.3522% | 3,692 |
| Net loans and leases to core deposits | 73.1420% | 3,510 |
| Total domestic deposits to total assets | 84.6486% | 2,519 |
| Equity capital to assets | 8.8117% | 4,254 |
| Core capital (leverage) ratio | 8.6313% | 4,274 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7417% | 1,911 |
| Memoranda: | ||
| Average total assets | $115,681,667 | 3,777 |
| Average earning assets | $106,597,000 | 3,797 |
| Average equity | $10,196,000 | 4,199 |
| Average total loans | $70,187,000 | 3,752 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4310% | 432 |
| Cost of funding earning assets | 0.9247% | 1,755 |
| Net interest margin | 4.5063% | 496 |
| Noninterest income to average assets | 0.6269% | 1,918 |
| Noninterest expense to average assets | 3.6539% | 748 |
| Loan and lease loss provision to assets | 0.4120% | 737 |
| Net operating income to assets | 0.6985% | 3,276 |
| Return on assets (ROA) | 1.0389% | 2,140 |
| Pretax return on assets | 1.0389% | 2,705 |
| Return on Equity (ROE) | 11.7850% | 1,164 |
| Retained earnings to average equity (ytd only) | 7.5180% | 1,373 |
| Net charge-offs to loans | 0.1885% | 722 |
| Credit loss provision to net charge-offs | 348.4848% | 1,084 |
| Earnings coverage of net charge-offs (x) | 9.3939% | 1,822 |
| Efficiency ratio | 76.6917% | 1,485 |
| Assets per employee ($millions) | 3.7559% | 4,211 |
| Cash dividends to net income (ytd only)* | 36.2069% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 1,137 |
| Loan loss allowance to noncurrent loans | 68.9055% | 3,757 |
| Noncurrent assets plus other real estate owned to assets | 1.5789% | 656 |
| Noncurrent loans to loans | 2.2852% | 553 |
| Net loans and leases to total assets | 61.4656% | 3,352 |
| Net loans and leases to deposits | 72.7696% | 3,379 |
| Net loans and leases to core deposits | 80.5914% | 3,145 |
| Total domestic deposits to total assets | 84.4661% | 2,607 |
| Equity capital to assets | 8.4561% | 4,850 |
| Core capital (leverage) ratio | 9.1349% | 4,335 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.4460% | 1,772 |
| Memoranda: | ||
| Average total assets | $111,661,500 | 3,820 |
| Average earning assets | $102,522,500 | 3,843 |
| Average equity | $9,843,000 | 4,260 |
| Average total loans | $70,033,500 | 3,760 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4577% | 605 |
| Cost of funding earning assets | 0.8833% | 2,267 |
| Net interest margin | 4.5744% | 604 |
| Noninterest income to average assets | 0.8041% | 1,443 |
| Noninterest expense to average assets | 3.8714% | 614 |
| Loan and lease loss provision to assets | 0.1703% | 1,226 |
| Net operating income to assets | 0.9455% | 3,038 |
| Return on assets (ROA) | 0.9120% | 3,238 |
| Pretax return on assets | 0.9120% | 3,706 |
| Return on Equity (ROE) | 10.1894% | 2,210 |
| Retained earnings to average equity (ytd only) | 5.1571% | 2,331 |
| Net charge-offs to loans | 0.1105% | 1,623 |
| Credit loss provision to net charge-offs | 247.2973% | 1,101 |
| Earnings coverage of net charge-offs (x) | 16.2027% | 2,190 |
| Efficiency ratio | 77.6264% | 1,190 |
| Assets per employee ($millions) | 3.5693% | 4,408 |
| Cash dividends to net income (ytd only)* | 49.3878% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4705% | 1,303 |
| Loan loss allowance to noncurrent loans | 61.3038% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.6657% | 565 |
| Noncurrent loans to loans | 2.3988% | 474 |
| Net loans and leases to total assets | 62.0686% | 3,391 |
| Net loans and leases to deposits | 74.3853% | 3,315 |
| Net loans and leases to core deposits | 82.9032% | 3,051 |
| Total domestic deposits to total assets | 83.4419% | 3,051 |
| Equity capital to assets | 9.1805% | 4,587 |
| Core capital (leverage) ratio | 8.9435% | 4,570 |
| Tier 1 risk-based capital ratio | 13.5603% | 3,481 |
| Total risk-based capital ratio | 14.8117% | 3,391 |
| Memoranda: | ||
| Average total assets | $107,453,800 | 3,874 |
| Average earning assets | $98,265,000 | 3,905 |
| Average equity | $9,617,800 | 4,293 |
| Average total loans | $66,956,800 | 3,837 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4724% | 617 |
| Cost of funding earning assets | 0.8961% | 2,249 |
| Net interest margin | 4.5763% | 645 |
| Noninterest income to average assets | 0.6375% | 2,041 |
| Noninterest expense to average assets | 3.6928% | 755 |
| Loan and lease loss provision to assets | 0.0938% | 2,036 |
| Net operating income to assets | 1.0326% | 2,850 |
| Return on assets (ROA) | 1.0076% | 3,036 |
| Pretax return on assets | 1.0076% | 3,574 |
| Return on Equity (ROE) | 11.3326% | 1,879 |
| Retained earnings to average equity (ytd only) | 6.3552% | 2,195 |
| Net charge-offs to loans | 0.1449% | 1,117 |
| Credit loss provision to net charge-offs | 104.1667% | 2,173 |
| Earnings coverage of net charge-offs (x) | 12.5135% | 2,351 |
| Efficiency ratio | 76.6278% | 1,253 |
| Assets per employee ($millions) | 3.5711% | 4,432 |
| Cash dividends to net income (ytd only)* | 43.9208% | 1,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 1,822 |
| Loan loss allowance to noncurrent loans | 62.7558% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.4878% | 756 |
| Noncurrent loans to loans | 2.1263% | 619 |
| Net loans and leases to total assets | 61.4485% | 3,545 |
| Net loans and leases to deposits | 73.5488% | 3,514 |
| Net loans and leases to core deposits | 81.9304% | 3,253 |
| Total domestic deposits to total assets | 83.5480% | 2,979 |
| Equity capital to assets | 9.1894% | 4,671 |
| Core capital (leverage) ratio | 9.1559% | 4,512 |
| Tier 1 risk-based capital ratio | 13.8796% | 3,387 |
| Total risk-based capital ratio | 15.1323% | 3,299 |
| Memoranda: | ||
| Average total assets | $106,655,500 | 3,922 |
| Average earning assets | $97,455,500 | 3,953 |
| Average equity | $9,482,750 | 4,353 |
| Average total loans | $66,270,500 | 3,891 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4622% | 609 |
| Cost of funding earning assets | 0.8920% | 2,190 |
| Net interest margin | 4.5702% | 658 |
| Noninterest income to average assets | 0.5983% | 2,164 |
| Noninterest expense to average assets | 3.7510% | 700 |
| Loan and lease loss provision to assets | 0.0665% | 2,485 |
| Net operating income to assets | 0.9553% | 3,080 |
| Return on assets (ROA) | 0.9078% | 3,315 |
| Pretax return on assets | 0.9078% | 3,827 |
| Return on Equity (ROE) | 10.3322% | 2,240 |
| Retained earnings to average equity (ytd only) | 4.9283% | 2,806 |
| Net charge-offs to loans | 0.2356% | 714 |
| Credit loss provision to net charge-offs | 45.4545% | 2,503 |
| Earnings coverage of net charge-offs (x) | 6.9870% | 2,531 |
| Efficiency ratio | 78.5913% | 1,084 |
| Assets per employee ($millions) | 3.4012% | 4,602 |
| Cash dividends to net income (ytd only)* | 52.3013% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3007% | 2,011 |
| Loan loss allowance to noncurrent loans | 81.3197% | 3,625 |
| Noncurrent assets plus other real estate owned to assets | 1.1549% | 1,166 |
| Noncurrent loans to loans | 1.5995% | 961 |
| Net loans and leases to total assets | 61.0050% | 3,650 |
| Net loans and leases to deposits | 73.0212% | 3,594 |
| Net loans and leases to core deposits | 79.9990% | 3,421 |
| Total domestic deposits to total assets | 83.5442% | 3,032 |
| Equity capital to assets | 9.0640% | 4,761 |
| Core capital (leverage) ratio | 9.0571% | 4,586 |
| Tier 1 risk-based capital ratio | 13.8744% | 3,385 |
| Total risk-based capital ratio | 15.1241% | 3,287 |
| Memoranda: | ||
| Average total assets | $105,306,000 | 3,970 |
| Average earning assets | $96,188,330 | 4,001 |
| Average equity | $9,252,670 | 4,403 |
| Average total loans | $65,378,670 | 3,943 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4348% | 581 |
| Cost of funding earning assets | 0.8494% | 2,276 |
| Net interest margin | 4.5853% | 628 |
| Noninterest income to average assets | 0.6722% | 1,717 |
| Noninterest expense to average assets | 3.7241% | 729 |
| Loan and lease loss provision to assets | 0.0773% | 2,136 |
| Net operating income to assets | 1.0624% | 2,610 |
| Return on assets (ROA) | 1.0508% | 2,697 |
| Pretax return on assets | 1.0508% | 3,282 |
| Return on Equity (ROE) | 12.1612% | 1,478 |
| Retained earnings to average equity (ytd only) | 6.1253% | 2,402 |
| Net charge-offs to loans | 0.4656% | 330 |
| Credit loss provision to net charge-offs | 26.6667% | 2,105 |
| Earnings coverage of net charge-offs (x) | 3.9333% | 2,364 |
| Efficiency ratio | 76.5687% | 1,439 |
| Assets per employee ($millions) | 3.4647% | 4,593 |
| Cash dividends to net income (ytd only)* | 49.6324% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 2,030 |
| Loan loss allowance to noncurrent loans | 287.3333% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.4478% | 2,805 |
| Noncurrent loans to loans | 0.4573% | 2,945 |
| Net loans and leases to total assets | 60.2819% | 3,677 |
| Net loans and leases to deposits | 71.6910% | 3,627 |
| Net loans and leases to core deposits | 78.3445% | 3,492 |
| Total domestic deposits to total assets | 84.0858% | 3,027 |
| Equity capital to assets | 8.6037% | 4,924 |
| Core capital (leverage) ratio | 9.2338% | 4,427 |
| Tier 1 risk-based capital ratio | 13.9108% | 3,386 |
| Total risk-based capital ratio | 15.1597% | 3,306 |
| Memoranda: | ||
| Average total assets | $103,540,500 | 4,047 |
| Average earning assets | $94,649,500 | 4,062 |
| Average equity | $8,946,500 | 4,470 |
| Average total loans | $64,432,500 | 4,001 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3934% | 486 |
| Cost of funding earning assets | 0.5306% | 3,175 |
| Net interest margin | 4.8628% | 348 |
| Noninterest income to average assets | 0.7639% | 1,590 |
| Noninterest expense to average assets | 3.6728% | 804 |
| Loan and lease loss provision to assets | 0.0841% | 2,451 |
| Net operating income to assets | 1.4519% | 1,267 |
| Return on assets (ROA) | 1.2909% | 1,834 |
| Pretax return on assets | 1.2909% | 2,540 |
| Return on Equity (ROE) | 15.3465% | 756 |
| Retained earnings to average equity (ytd only) | 8.8008% | 938 |
| Net charge-offs to loans | 0.0017% | 3,695 |
| Credit loss provision to net charge-offs | 8,200.0000% | 61 |
| Earnings coverage of net charge-offs (x) | 1,498.0000% | 75 |
| Efficiency ratio | 70.5118% | 2,106 |
| Assets per employee ($millions) | 3.2153% | 4,816 |
| Cash dividends to net income (ytd only)* | 42.6529% | 2,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4497% | 1,453 |
| Loan loss allowance to noncurrent loans | 428.5047% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.3963% | 2,974 |
| Noncurrent loans to loans | 0.3383% | 3,334 |
| Net loans and leases to total assets | 62.5429% | 3,508 |
| Net loans and leases to deposits | 71.9318% | 3,678 |
| Net loans and leases to core deposits | 79.4259% | 3,469 |
| Total domestic deposits to total assets | 86.9474% | 1,802 |
| Equity capital to assets | 8.6803% | 4,817 |
| Core capital (leverage) ratio | 9.3959% | 4,242 |
| Tier 1 risk-based capital ratio | 14.3966% | 3,114 |
| Total risk-based capital ratio | 15.6514% | 3,029 |
| Memoranda: | ||
| Average total assets | $97,527,800 | 4,143 |
| Average earning assets | $89,145,600 | 4,163 |
| Average equity | $8,203,800 | 4,577 |
| Average total loans | $59,125,200 | 4,114 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3364% | 494 |
| Cost of funding earning assets | 0.4920% | 3,252 |
| Net interest margin | 4.8445% | 344 |
| Noninterest income to average assets | 0.7684% | 1,586 |
| Noninterest expense to average assets | 3.6222% | 826 |
| Loan and lease loss provision to assets | 0.0784% | 2,391 |
| Net operating income to assets | 1.4943% | 1,210 |
| Return on assets (ROA) | 1.3719% | 1,588 |
| Pretax return on assets | 1.3719% | 2,335 |
| Return on Equity (ROE) | 16.4443% | 620 |
| Retained earnings to average equity (ytd only) | 10.0677% | 902 |
| Net charge-offs to loans | -0.0023% | 4,106 |
| Credit loss provision to net charge-offs | -5,700.0000% | 4,860 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7274% | 2,241 |
| Assets per employee ($millions) | 3.3015% | 4,770 |
| Cash dividends to net income (ytd only)* | 38.7779% | 2,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,430 |
| Loan loss allowance to noncurrent loans | 465.6250% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 3,141 |
| Noncurrent loans to loans | 0.3171% | 3,532 |
| Net loans and leases to total assets | 60.2221% | 3,818 |
| Net loans and leases to deposits | 68.2031% | 4,046 |
| Net loans and leases to core deposits | 75.2311% | 3,856 |
| Total domestic deposits to total assets | 88.2982% | 1,123 |
| Equity capital to assets | 8.2104% | 5,080 |
| Core capital (leverage) ratio | 9.5331% | 4,136 |
| Tier 1 risk-based capital ratio | 14.4000% | 3,171 |
| Total risk-based capital ratio | 15.6498% | 3,084 |
| Memoranda: | ||
| Average total assets | $96,991,250 | 4,191 |
| Average earning assets | $88,621,250 | 4,210 |
| Average equity | $8,091,750 | 4,638 |
| Average total loans | $58,092,500 | 4,185 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2820% | 487 |
| Cost of funding earning assets | 0.4899% | 3,090 |
| Net interest margin | 4.7921% | 364 |
| Noninterest income to average assets | 0.7310% | 1,734 |
| Noninterest expense to average assets | 3.5408% | 944 |
| Loan and lease loss provision to assets | 0.0665% | 2,564 |
| Net operating income to assets | 1.5118% | 1,128 |
| Return on assets (ROA) | 1.3395% | 1,647 |
| Pretax return on assets | 1.3395% | 2,365 |
| Return on Equity (ROE) | 15.9686% | 679 |
| Retained earnings to average equity (ytd only) | 10.1506% | 887 |
| Net charge-offs to loans | -0.0140% | 4,434 |
| Credit loss provision to net charge-offs | -800.0000% | 4,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1684% | 2,452 |
| Assets per employee ($millions) | 3.2375% | 4,893 |
| Cash dividends to net income (ytd only)* | 36.4341% | 2,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4831% | 1,451 |
| Loan loss allowance to noncurrent loans | 454.1667% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.3943% | 3,165 |
| Noncurrent loans to loans | 0.3265% | 3,532 |
| Net loans and leases to total assets | 59.6403% | 3,840 |
| Net loans and leases to deposits | 67.6623% | 4,033 |
| Net loans and leases to core deposits | 72.0523% | 4,003 |
| Total domestic deposits to total assets | 88.1440% | 1,306 |
| Equity capital to assets | 8.3718% | 5,037 |
| Core capital (leverage) ratio | 9.3164% | 4,343 |
| Tier 1 risk-based capital ratio | 14.7154% | 3,014 |
| Total risk-based capital ratio | 15.9654% | 2,940 |
| Memoranda: | ||
| Average total assets | $96,306,670 | 4,239 |
| Average earning assets | $88,186,330 | 4,251 |
| Average equity | $8,078,330 | 4,681 |
| Average total loans | $57,276,330 | 4,234 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 516 |
| Cost of funding earning assets | 0.4687% | 3,056 |
| Net interest margin | 4.7050% | 403 |
| Noninterest income to average assets | 0.7133% | 1,776 |
| Noninterest expense to average assets | 3.5329% | 941 |
| Loan and lease loss provision to assets | 0.0709% | 2,344 |
| Net operating income to assets | 1.4223% | 1,278 |
| Return on assets (ROA) | 1.0761% | 2,551 |
| Pretax return on assets | 1.0761% | 3,260 |
| Return on Equity (ROE) | 12.8167% | 1,315 |
| Retained earnings to average equity (ytd only) | 7.3522% | 2,120 |
| Net charge-offs to loans | -0.0283% | 4,715 |
| Credit loss provision to net charge-offs | -425.0000% | 3,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2905% | 2,442 |
| Assets per employee ($millions) | 3.4294% | 4,756 |
| Cash dividends to net income (ytd only)* | 42.6357% | 1,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5050% | 1,449 |
| Loan loss allowance to noncurrent loans | 269.4969% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 2,755 |
| Noncurrent loans to loans | 0.5585% | 2,860 |
| Net loans and leases to total assets | 58.4073% | 3,903 |
| Net loans and leases to deposits | 66.1278% | 4,080 |
| Net loans and leases to core deposits | 70.4559% | 4,062 |
| Total domestic deposits to total assets | 88.3248% | 1,449 |
| Equity capital to assets | 8.2396% | 5,154 |
| Core capital (leverage) ratio | 9.1983% | 4,435 |
| Tier 1 risk-based capital ratio | 14.8110% | 2,973 |
| Total risk-based capital ratio | 16.0617% | 2,900 |
| Memoranda: | ||
| Average total assets | $95,898,000 | 4,289 |
| Average earning assets | $87,906,000 | 4,303 |
| Average equity | $8,052,000 | 4,735 |
| Average total loans | $56,516,000 | 4,291 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1083% | 523 |
| Cost of funding earning assets | 0.4015% | 3,241 |
| Net interest margin | 4.7068% | 416 |
| Noninterest income to average assets | 0.7225% | 1,873 |
| Noninterest expense to average assets | 3.7034% | 784 |
| Loan and lease loss provision to assets | 0.1447% | 1,573 |
| Net operating income to assets | 1.1957% | 1,536 |
| Return on assets (ROA) | 1.1049% | 1,864 |
| Pretax return on assets | 1.1049% | 3,167 |
| Return on Equity (ROE) | 13.2121% | 902 |
| Retained earnings to average equity (ytd only) | 7.5534% | 905 |
| Net charge-offs to loans | 0.1063% | 2,005 |
| Credit loss provision to net charge-offs | 236.2069% | 1,174 |
| Earnings coverage of net charge-offs (x) | 21.8793% | 1,876 |
| Efficiency ratio | 73.4241% | 1,996 |
| Assets per employee ($millions) | 3.0894% | 5,134 |
| Cash dividends to net income (ytd only)* | 42.8298% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 1,439 |
| Loan loss allowance to noncurrent loans | 276.8212% | 1,757 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 2,841 |
| Noncurrent loans to loans | 0.5384% | 2,885 |
| Net loans and leases to total assets | 57.6933% | 4,033 |
| Net loans and leases to deposits | 67.1528% | 4,093 |
| Net loans and leases to core deposits | 69.8057% | 4,188 |
| Total domestic deposits to total assets | 85.9134% | 2,481 |
| Equity capital to assets | 8.5536% | 5,082 |
| Core capital (leverage) ratio | 8.9894% | 4,663 |
| Tier 1 risk-based capital ratio | 14.7624% | 2,954 |
| Total risk-based capital ratio | 16.0132% | 2,888 |
| Memoranda: | ||
| Average total assets | $94,669,200 | 4,331 |
| Average earning assets | $86,917,600 | 4,349 |
| Average equity | $7,917,000 | 4,796 |
| Average total loans | $54,575,400 | 4,343 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1184% | 485 |
| Cost of funding earning assets | 0.3979% | 3,220 |
| Net interest margin | 4.7206% | 390 |
| Noninterest income to average assets | 0.7091% | 1,966 |
| Noninterest expense to average assets | 3.6117% | 856 |
| Loan and lease loss provision to assets | 0.1511% | 1,378 |
| Net operating income to assets | 1.2698% | 1,433 |
| Return on assets (ROA) | 1.1823% | 1,813 |
| Pretax return on assets | 1.1823% | 2,977 |
| Return on Equity (ROE) | 14.2193% | 788 |
| Retained earnings to average equity (ytd only) | 8.8170% | 907 |
| Net charge-offs to loans | 0.1353% | 1,442 |
| Credit loss provision to net charge-offs | 194.5455% | 1,371 |
| Earnings coverage of net charge-offs (x) | 18.2913% | 2,058 |
| Efficiency ratio | 71.7654% | 2,234 |
| Assets per employee ($millions) | 3.2025% | 5,060 |
| Cash dividends to net income (ytd only)* | 37.9930% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 1,565 |
| Loan loss allowance to noncurrent loans | 266.4474% | 1,752 |
| Noncurrent assets plus other real estate owned to assets | 0.6693% | 2,498 |
| Noncurrent loans to loans | 0.5597% | 3,018 |
| Net loans and leases to total assets | 55.6946% | 4,257 |
| Net loans and leases to deposits | 63.4101% | 4,423 |
| Net loans and leases to core deposits | 66.0617% | 4,478 |
| Total domestic deposits to total assets | 87.8323% | 1,456 |
| Equity capital to assets | 8.6777% | 5,163 |
| Core capital (leverage) ratio | 9.0105% | 4,725 |
| Tier 1 risk-based capital ratio | 14.9187% | 2,954 |
| Total risk-based capital ratio | 16.1702% | 2,878 |
| Memoranda: | ||
| Average total assets | $94,393,500 | 4,376 |
| Average earning assets | $86,456,500 | 4,398 |
| Average equity | $7,848,250 | 4,856 |
| Average total loans | $54,196,750 | 4,391 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1275% | 447 |
| Cost of funding earning assets | 0.3946% | 3,129 |
| Net interest margin | 4.7329% | 366 |
| Noninterest income to average assets | 0.7012% | 1,985 |
| Noninterest expense to average assets | 3.5766% | 896 |
| Loan and lease loss provision to assets | 0.1641% | 1,217 |
| Net operating income to assets | 1.2810% | 1,353 |
| Return on assets (ROA) | 1.1574% | 1,795 |
| Pretax return on assets | 1.1574% | 2,949 |
| Return on Equity (ROE) | 14.1308% | 792 |
| Retained earnings to average equity (ytd only) | 8.8740% | 877 |
| Net charge-offs to loans | 0.2031% | 995 |
| Credit loss provision to net charge-offs | 140.0000% | 1,597 |
| Earnings coverage of net charge-offs (x) | 12.3273% | 2,204 |
| Efficiency ratio | 71.2224% | 2,479 |
| Assets per employee ($millions) | 3.2997% | 4,984 |
| Cash dividends to net income (ytd only)* | 37.2007% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 1,881 |
| Loan loss allowance to noncurrent loans | 257.4257% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 2,615 |
| Noncurrent loans to loans | 0.5502% | 3,093 |
| Net loans and leases to total assets | 56.7395% | 4,154 |
| Net loans and leases to deposits | 64.4898% | 4,341 |
| Net loans and leases to core deposits | 67.1889% | 4,406 |
| Total domestic deposits to total assets | 87.9820% | 1,465 |
| Equity capital to assets | 8.5693% | 5,252 |
| Core capital (leverage) ratio | 8.8750% | 4,870 |
| Tier 1 risk-based capital ratio | 14.4802% | 3,179 |
| Total risk-based capital ratio | 15.7304% | 3,101 |
| Memoranda: | ||
| Average total assets | $93,833,330 | 4,417 |
| Average earning assets | $85,656,330 | 4,438 |
| Average equity | $7,685,330 | 4,903 |
| Average total loans | $54,156,330 | 4,415 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0251% | 503 |
| Cost of funding earning assets | 0.3938% | 3,056 |
| Net interest margin | 4.6314% | 423 |
| Noninterest income to average assets | 0.7104% | 1,916 |
| Noninterest expense to average assets | 3.6510% | 827 |
| Loan and lease loss provision to assets | 0.1722% | 1,025 |
| Net operating income to assets | 1.1410% | 1,706 |
| Return on assets (ROA) | 1.0979% | 1,924 |
| Pretax return on assets | 1.0979% | 2,998 |
| Return on Equity (ROE) | 13.7318% | 855 |
| Retained earnings to average equity (ytd only) | 9.3161% | 979 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5473% | 2,312 |
| Assets per employee ($millions) | 3.2179% | 5,142 |
| Cash dividends to net income (ytd only)* | 32.1569% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4791% | 1,770 |
| Loan loss allowance to noncurrent loans | 161.2121% | 2,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7212% | 2,492 |
| Noncurrent loans to loans | 0.9175% | 2,205 |
| Net loans and leases to total assets | 56.9578% | 4,072 |
| Net loans and leases to deposits | 64.3896% | 4,289 |
| Net loans and leases to core deposits | 66.9256% | 4,367 |
| Total domestic deposits to total assets | 88.4580% | 1,455 |
| Equity capital to assets | 8.0937% | 5,476 |
| Core capital (leverage) ratio | 8.8866% | 4,857 |
| Tier 1 risk-based capital ratio | 14.4855% | 3,211 |
| Total risk-based capital ratio | 15.7371% | 3,139 |
| Memoranda: | ||
| Average total assets | $92,905,000 | 4,482 |
| Average earning assets | $85,331,000 | 4,489 |
| Average equity | $7,428,000 | 4,984 |
| Average total loans | $53,697,500 | 4,464 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9202% | 708 |
| Cost of funding earning assets | 0.3615% | 3,398 |
| Net interest margin | 4.5587% | 541 |
| Noninterest income to average assets | 0.6676% | 2,331 |
| Noninterest expense to average assets | 3.6667% | 926 |
| Loan and lease loss provision to assets | 0.1277% | 1,944 |
| Net operating income to assets | 1.0619% | 2,081 |
| Return on assets (ROA) | 1.0652% | 2,169 |
| Pretax return on assets | 1.0652% | 3,241 |
| Return on Equity (ROE) | 12.3793% | 1,149 |
| Retained earnings to average equity (ytd only) | 6.2348% | 1,587 |
| Net charge-offs to loans | 0.0158% | 3,769 |
| Credit loss provision to net charge-offs | 1,437.5000% | 288 |
| Earnings coverage of net charge-offs (x) | 133.8750% | 468 |
| Efficiency ratio | 75.5032% | 2,066 |
| Assets per employee ($millions) | 3.3032% | 5,038 |
| Cash dividends to net income (ytd only)* | 49.6350% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 2,007 |
| Loan loss allowance to noncurrent loans | 91.3253% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.0898% | 1,723 |
| Noncurrent loans to loans | 1.5530% | 1,280 |
| Net loans and leases to total assets | 56.9640% | 4,168 |
| Net loans and leases to deposits | 64.3030% | 4,387 |
| Net loans and leases to core deposits | 65.6049% | 4,547 |
| Total domestic deposits to total assets | 88.5869% | 1,329 |
| Equity capital to assets | 7.8960% | 5,607 |
| Core capital (leverage) ratio | 8.8348% | 4,924 |
| Tier 1 risk-based capital ratio | 14.2365% | 3,325 |
| Total risk-based capital ratio | 15.4878% | 3,256 |
| Memoranda: | ||
| Average total assets | $90,027,600 | 4,542 |
| Average earning assets | $82,720,400 | 4,544 |
| Average equity | $7,746,800 | 4,973 |
| Average total loans | $50,646,800 | 4,561 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 655 |
| Cost of funding earning assets | 0.3591% | 3,442 |
| Net interest margin | 4.5921% | 514 |
| Noninterest income to average assets | 0.6785% | 2,272 |
| Noninterest expense to average assets | 3.6295% | 949 |
| Loan and lease loss provision to assets | 0.1491% | 1,574 |
| Net operating income to assets | 1.1139% | 1,935 |
| Return on assets (ROA) | 1.1586% | 1,874 |
| Pretax return on assets | 1.1586% | 3,006 |
| Return on Equity (ROE) | 13.1841% | 1,002 |
| Retained earnings to average equity (ytd only) | 7.2284% | 1,510 |
| Net charge-offs to loans | 0.0027% | 3,847 |
| Credit loss provision to net charge-offs | 10,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 849.1053% | 106 |
| Efficiency ratio | 74.1847% | 2,254 |
| Assets per employee ($millions) | 3.2679% | 5,085 |
| Cash dividends to net income (ytd only)* | 45.1741% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4521% | 1,968 |
| Loan loss allowance to noncurrent loans | 95.7854% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.0503% | 1,964 |
| Noncurrent loans to loans | 1.5159% | 1,426 |
| Net loans and leases to total assets | 55.6289% | 4,347 |
| Net loans and leases to deposits | 63.5540% | 4,516 |
| Net loans and leases to core deposits | 64.8701% | 4,680 |
| Total domestic deposits to total assets | 87.5302% | 1,645 |
| Equity capital to assets | 8.8819% | 5,257 |
| Core capital (leverage) ratio | 8.9693% | 4,860 |
| Tier 1 risk-based capital ratio | 14.5685% | 3,254 |
| Total risk-based capital ratio | 15.8200% | 3,189 |
| Memoranda: | ||
| Average total assets | $89,412,000 | 4,593 |
| Average earning assets | $82,051,750 | 4,582 |
| Average equity | $7,857,750 | 5,011 |
| Average total loans | $49,947,500 | 4,615 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 623 |
| Cost of funding earning assets | 0.3507% | 3,558 |
| Net interest margin | 4.6224% | 487 |
| Noninterest income to average assets | 0.7146% | 2,070 |
| Noninterest expense to average assets | 3.5214% | 1,128 |
| Loan and lease loss provision to assets | 0.1804% | 1,211 |
| Net operating income to assets | 1.2625% | 1,382 |
| Return on assets (ROA) | 1.2467% | 1,549 |
| Pretax return on assets | 1.2467% | 2,612 |
| Return on Equity (ROE) | 14.2379% | 793 |
| Retained earnings to average equity (ytd only) | 8.1617% | 1,121 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9355% | 2,838 |
| Assets per employee ($millions) | 3.2054% | 5,197 |
| Cash dividends to net income (ytd only)* | 42.6763% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4389% | 2,110 |
| Loan loss allowance to noncurrent loans | 161.1479% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.7131% | 2,840 |
| Noncurrent loans to loans | 0.8929% | 2,497 |
| Net loans and leases to total assets | 55.7119% | 4,345 |
| Net loans and leases to deposits | 62.9962% | 4,573 |
| Net loans and leases to core deposits | 64.3121% | 4,725 |
| Total domestic deposits to total assets | 88.4369% | 1,206 |
| Equity capital to assets | 9.0818% | 5,178 |
| Core capital (leverage) ratio | 8.8544% | 4,993 |
| Tier 1 risk-based capital ratio | 14.5008% | 3,318 |
| Total risk-based capital ratio | 15.7506% | 3,247 |
| Memoranda: | ||
| Average total assets | $88,715,670 | 4,643 |
| Average earning assets | $81,559,000 | 4,632 |
| Average equity | $7,768,000 | 5,067 |
| Average total loans | $49,379,670 | 4,670 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9529% | 635 |
| Cost of funding earning assets | 0.3570% | 3,533 |
| Net interest margin | 4.5960% | 502 |
| Noninterest income to average assets | 0.7256% | 1,920 |
| Noninterest expense to average assets | 3.3969% | 1,385 |
| Loan and lease loss provision to assets | 0.2721% | 617 |
| Net operating income to assets | 1.2608% | 1,375 |
| Return on assets (ROA) | 1.2291% | 1,568 |
| Pretax return on assets | 1.2291% | 2,582 |
| Return on Equity (ROE) | 14.3074% | 779 |
| Retained earnings to average equity (ytd only) | 8.9751% | 1,127 |
| Net charge-offs to loans | -0.0082% | 4,456 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9052% | 3,311 |
| Assets per employee ($millions) | 3.2211% | 5,243 |
| Cash dividends to net income (ytd only)* | 37.2694% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4399% | 2,245 |
| Loan loss allowance to noncurrent loans | 113.7380% | 3,345 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 2,311 |
| Noncurrent loans to loans | 1.2660% | 1,912 |
| Net loans and leases to total assets | 54.0353% | 4,450 |
| Net loans and leases to deposits | 59.5477% | 4,748 |
| Net loans and leases to core deposits | 61.5325% | 4,837 |
| Total domestic deposits to total assets | 90.7430% | 350 |
| Equity capital to assets | 8.5519% | 5,531 |
| Core capital (leverage) ratio | 8.8913% | 4,969 |
| Tier 1 risk-based capital ratio | 14.4565% | 3,415 |
| Total risk-based capital ratio | 15.7076% | 3,352 |
| Memoranda: | ||
| Average total assets | $88,198,000 | 4,689 |
| Average earning assets | $80,679,500 | 4,687 |
| Average equity | $7,576,500 | 5,125 |
| Average total loans | $48,703,500 | 4,716 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0494% | 571 |
| Cost of funding earning assets | 0.3579% | 3,613 |
| Net interest margin | 4.6915% | 453 |
| Noninterest income to average assets | 0.7619% | 1,925 |
| Noninterest expense to average assets | 3.7549% | 913 |
| Loan and lease loss provision to assets | 0.1183% | 2,013 |
| Net operating income to assets | 1.1996% | 1,552 |
| Return on assets (ROA) | 1.1937% | 1,648 |
| Pretax return on assets | 1.1937% | 2,680 |
| Return on Equity (ROE) | 14.1961% | 813 |
| Retained earnings to average equity (ytd only) | 7.5272% | 1,088 |
| Net charge-offs to loans | 0.1328% | 2,033 |
| Credit loss provision to net charge-offs | 158.7302% | 1,691 |
| Earnings coverage of net charge-offs (x) | 17.6825% | 2,057 |
| Efficiency ratio | 74.0205% | 2,574 |
| Assets per employee ($millions) | 2.9726% | 5,544 |
| Cash dividends to net income (ytd only)* | 46.9772% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 2,634 |
| Loan loss allowance to noncurrent loans | 68.4543% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.4350% | 1,449 |
| Noncurrent loans to loans | 1.9829% | 1,058 |
| Net loans and leases to total assets | 54.8796% | 4,406 |
| Net loans and leases to deposits | 60.5788% | 4,731 |
| Net loans and leases to core deposits | 62.6958% | 4,829 |
| Total domestic deposits to total assets | 90.5922% | 410 |
| Equity capital to assets | 8.6306% | 5,442 |
| Core capital (leverage) ratio | 8.7044% | 5,211 |
| Tier 1 risk-based capital ratio | 14.3376% | 3,529 |
| Total risk-based capital ratio | 15.5628% | 3,457 |
| Memoranda: | ||
| Average total assets | $84,528,600 | 4,777 |
| Average earning assets | $77,673,200 | 4,771 |
| Average equity | $7,107,600 | 5,222 |
| Average total loans | $47,448,000 | 4,745 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0202% | 593 |
| Cost of funding earning assets | 0.3525% | 3,733 |
| Net interest margin | 4.6678% | 478 |
| Noninterest income to average assets | 0.7815% | 1,878 |
| Noninterest expense to average assets | 3.7537% | 901 |
| Loan and lease loss provision to assets | 0.0872% | 2,410 |
| Net operating income to assets | 1.2444% | 1,514 |
| Return on assets (ROA) | 1.2523% | 1,530 |
| Pretax return on assets | 1.2523% | 2,589 |
| Return on Equity (ROE) | 14.9948% | 728 |
| Retained earnings to average equity (ytd only) | 8.4275% | 1,078 |
| Net charge-offs to loans | 0.0479% | 2,938 |
| Credit loss provision to net charge-offs | 323.5294% | 904 |
| Earnings coverage of net charge-offs (x) | 49.4032% | 1,066 |
| Efficiency ratio | 73.8155% | 2,587 |
| Assets per employee ($millions) | 3.0038% | 5,540 |
| Cash dividends to net income (ytd only)* | 43.7972% | 2,142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3628% | 2,773 |
| Loan loss allowance to noncurrent loans | 60.7076% | 4,668 |
| Noncurrent assets plus other real estate owned to assets | 1.3466% | 1,735 |
| Noncurrent loans to loans | 2.2448% | 965 |
| Net loans and leases to total assets | 54.1752% | 4,551 |
| Net loans and leases to deposits | 59.6416% | 4,879 |
| Net loans and leases to core deposits | 62.5325% | 4,900 |
| Total domestic deposits to total assets | 90.8346% | 295 |
| Equity capital to assets | 8.3331% | 5,810 |
| Core capital (leverage) ratio | 8.8619% | 5,167 |
| Tier 1 risk-based capital ratio | 14.3495% | 3,652 |
| Total risk-based capital ratio | 15.5926% | 3,576 |
| Memoranda: | ||
| Average total assets | $84,109,500 | 4,847 |
| Average earning assets | $77,551,000 | 4,830 |
| Average equity | $7,024,500 | 5,307 |
| Average total loans | $47,320,000 | 4,801 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 528 |
| Cost of funding earning assets | 0.3556% | 3,748 |
| Net interest margin | 4.7253% | 421 |
| Noninterest income to average assets | 0.7629% | 1,936 |
| Noninterest expense to average assets | 3.8022% | 864 |
| Loan and lease loss provision to assets | 0.0722% | 2,665 |
| Net operating income to assets | 1.2369% | 1,505 |
| Return on assets (ROA) | 1.2393% | 1,560 |
| Pretax return on assets | 1.2393% | 2,604 |
| Return on Equity (ROE) | 14.8280% | 762 |
| Retained earnings to average equity (ytd only) | 8.1770% | 1,195 |
| Net charge-offs to loans | 0.0594% | 2,539 |
| Credit loss provision to net charge-offs | 214.2857% | 1,160 |
| Earnings coverage of net charge-offs (x) | 38.8571% | 1,150 |
| Efficiency ratio | 74.3879% | 2,629 |
| Assets per employee ($millions) | 3.0055% | 5,593 |
| Cash dividends to net income (ytd only)* | 44.8544% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 3,249 |
| Loan loss allowance to noncurrent loans | 69.0789% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 1.1740% | 2,161 |
| Noncurrent loans to loans | 1.8800% | 1,332 |
| Net loans and leases to total assets | 56.8962% | 4,235 |
| Net loans and leases to deposits | 62.5405% | 4,661 |
| Net loans and leases to core deposits | 65.6759% | 4,678 |
| Total domestic deposits to total assets | 90.9750% | 297 |
| Equity capital to assets | 8.2122% | 5,871 |
| Core capital (leverage) ratio | 8.8103% | 5,215 |
| Tier 1 risk-based capital ratio | 14.1396% | 3,849 |
| Total risk-based capital ratio | 15.3487% | 3,797 |
| Memoranda: | ||
| Average total assets | $83,109,330 | 4,915 |
| Average earning assets | $76,482,330 | 4,908 |
| Average equity | $6,946,330 | 5,369 |
| Average total loans | $47,145,330 | 4,845 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1714% | 424 |
| Cost of funding earning assets | 0.3536% | 3,820 |
| Net interest margin | 4.8179% | 340 |
| Noninterest income to average assets | 0.7556% | 1,883 |
| Noninterest expense to average assets | 3.8118% | 865 |
| Loan and lease loss provision to assets | 0.0727% | 2,487 |
| Net operating income to assets | 1.2932% | 1,296 |
| Return on assets (ROA) | 1.2980% | 1,370 |
| Pretax return on assets | 1.2980% | 2,299 |
| Return on Equity (ROE) | 15.3935% | 651 |
| Retained earnings to average equity (ytd only) | 8.1562% | 1,507 |
| Net charge-offs to loans | 0.0086% | 3,040 |
| Credit loss provision to net charge-offs | 1,500.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 282.0000% | 204 |
| Efficiency ratio | 73.6202% | 2,875 |
| Assets per employee ($millions) | 3.0009% | 5,661 |
| Cash dividends to net income (ytd only)* | 47.0149% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3308% | 3,240 |
| Loan loss allowance to noncurrent loans | 6,280.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.1023% | 5,541 |
| Noncurrent loans to loans | 0.0212% | 5,718 |
| Net loans and leases to total assets | 55.4150% | 4,271 |
| Net loans and leases to deposits | 62.5788% | 4,521 |
| Net loans and leases to core deposits | 65.8088% | 4,534 |
| Total domestic deposits to total assets | 88.5524% | 1,522 |
| Equity capital to assets | 8.4153% | 5,797 |
| Core capital (leverage) ratio | 8.6558% | 5,370 |
| Tier 1 risk-based capital ratio | 14.4833% | 3,731 |
| Total risk-based capital ratio | 15.7418% | 3,650 |
| Memoranda: | ||
| Average total assets | $82,586,500 | 4,973 |
| Average earning assets | $75,801,000 | 4,974 |
| Average equity | $6,964,000 | 5,408 |
| Average total loans | $46,462,500 | 4,900 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1947% | 524 |
| Cost of funding earning assets | 0.3652% | 4,079 |
| Net interest margin | 4.8294% | 410 |
| Noninterest income to average assets | 0.7826% | 1,942 |
| Noninterest expense to average assets | 3.8374% | 934 |
| Loan and lease loss provision to assets | 0.0833% | 2,813 |
| Net operating income to assets | 1.2850% | 1,338 |
| Return on assets (ROA) | 1.2774% | 1,405 |
| Pretax return on assets | 1.2774% | 2,315 |
| Return on Equity (ROE) | 16.2654% | 587 |
| Retained earnings to average equity (ytd only) | 9.4989% | 604 |
| Net charge-offs to loans | 0.0584% | 3,670 |
| Credit loss provision to net charge-offs | 253.8462% | 1,004 |
| Earnings coverage of net charge-offs (x) | 41.6923% | 1,046 |
| Efficiency ratio | 73.7148% | 2,877 |
| Assets per employee ($millions) | 2.8981% | 5,834 |
| Cash dividends to net income (ytd only)* | 41.6008% | 2,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3425% | 3,214 |
| Loan loss allowance to noncurrent loans | 1,427.9070% | 450 |
| Noncurrent assets plus other real estate owned to assets | 0.1466% | 5,443 |
| Noncurrent loans to loans | 0.0940% | 5,514 |
| Net loans and leases to total assets | 55.6028% | 4,381 |
| Net loans and leases to deposits | 61.3002% | 4,782 |
| Net loans and leases to core deposits | 64.7485% | 4,776 |
| Total domestic deposits to total assets | 90.7058% | 461 |
| Equity capital to assets | 8.4501% | 5,793 |
| Core capital (leverage) ratio | 8.7485% | 5,294 |
| Tier 1 risk-based capital ratio | 14.2967% | 3,900 |
| Total risk-based capital ratio | 15.5358% | 3,835 |
| Memoranda: | ||
| Average total assets | $79,221,200 | 5,085 |
| Average earning assets | $72,555,000 | 5,078 |
| Average equity | $6,221,800 | 5,576 |
| Average total loans | $44,550,200 | 5,015 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2201% | 499 |
| Cost of funding earning assets | 0.3664% | 4,172 |
| Net interest margin | 4.8537% | 376 |
| Noninterest income to average assets | 0.7704% | 2,014 |
| Noninterest expense to average assets | 3.8506% | 908 |
| Loan and lease loss provision to assets | 0.0864% | 2,625 |
| Net operating income to assets | 1.2750% | 1,451 |
| Return on assets (ROA) | 1.2717% | 1,513 |
| Pretax return on assets | 1.2717% | 2,491 |
| Return on Equity (ROE) | 16.5151% | 616 |
| Retained earnings to average equity (ytd only) | 9.4120% | 866 |
| Net charge-offs to loans | 0.0723% | 3,163 |
| Credit loss provision to net charge-offs | 212.5000% | 1,212 |
| Earnings coverage of net charge-offs (x) | 33.4991% | 1,277 |
| Efficiency ratio | 73.8791% | 2,839 |
| Assets per employee ($millions) | 2.8495% | 5,913 |
| Cash dividends to net income (ytd only)* | 43.0097% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 3,274 |
| Loan loss allowance to noncurrent loans | 1,306.5217% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 5,583 |
| Noncurrent loans to loans | 0.1055% | 5,617 |
| Net loans and leases to total assets | 53.8866% | 4,587 |
| Net loans and leases to deposits | 59.2677% | 5,004 |
| Net loans and leases to core deposits | 62.6506% | 4,992 |
| Total domestic deposits to total assets | 90.9207% | 385 |
| Equity capital to assets | 8.2533% | 5,977 |
| Core capital (leverage) ratio | 8.5838% | 5,564 |
| Tier 1 risk-based capital ratio | 14.2675% | 4,044 |
| Total risk-based capital ratio | 15.5062% | 3,972 |
| Memoranda: | ||
| Average total assets | $78,739,750 | 5,153 |
| Average earning assets | $72,053,500 | 5,139 |
| Average equity | $6,063,000 | 5,664 |
| Average total loans | $44,254,250 | 5,082 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2378% | 476 |
| Cost of funding earning assets | 0.3632% | 4,283 |
| Net interest margin | 4.8746% | 359 |
| Noninterest income to average assets | 0.8751% | 1,575 |
| Noninterest expense to average assets | 3.9112% | 844 |
| Loan and lease loss provision to assets | 0.0791% | 2,706 |
| Net operating income to assets | 1.3369% | 1,215 |
| Return on assets (ROA) | 1.3292% | 1,277 |
| Pretax return on assets | 1.3292% | 2,151 |
| Return on Equity (ROE) | 17.6940% | 488 |
| Retained earnings to average equity (ytd only) | 11.1734% | 518 |
| Net charge-offs to loans | 0.0405% | 3,422 |
| Credit loss provision to net charge-offs | 344.4444% | 773 |
| Earnings coverage of net charge-offs (x) | 61.6667% | 789 |
| Efficiency ratio | 73.4195% | 3,079 |
| Assets per employee ($millions) | 2.9815% | 5,775 |
| Cash dividends to net income (ytd only)* | 36.8522% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3410% | 3,635 |
| Loan loss allowance to noncurrent loans | 608.1633% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 5,277 |
| Noncurrent loans to loans | 0.2205% | 5,342 |
| Net loans and leases to total assets | 54.4676% | 4,486 |
| Net loans and leases to deposits | 59.6720% | 4,890 |
| Net loans and leases to core deposits | 63.0294% | 4,896 |
| Total domestic deposits to total assets | 91.2784% | 315 |
| Equity capital to assets | 7.9788% | 6,165 |
| Core capital (leverage) ratio | 8.5469% | 5,590 |
| Tier 1 risk-based capital ratio | 14.0695% | 4,220 |
| Total risk-based capital ratio | 15.2986% | 4,156 |
| Memoranda: | ||
| Average total assets | $78,391,000 | 5,200 |
| Average earning assets | $71,595,330 | 5,192 |
| Average equity | $5,889,000 | 5,740 |
| Average total loans | $44,474,000 | 5,103 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 394 |
| Cost of funding earning assets | 0.3699% | 4,315 |
| Net interest margin | 4.9565% | 297 |
| Noninterest income to average assets | 0.7189% | 2,089 |
| Noninterest expense to average assets | 3.8740% | 896 |
| Loan and lease loss provision to assets | 0.0828% | 2,513 |
| Net operating income to assets | 1.2672% | 1,301 |
| Return on assets (ROA) | 1.2827% | 1,307 |
| Pretax return on assets | 1.2827% | 2,156 |
| Return on Equity (ROE) | 17.6450% | 467 |
| Retained earnings to average equity (ytd only) | 11.9530% | 613 |
| Net charge-offs to loans | 0.0809% | 2,344 |
| Credit loss provision to net charge-offs | 177.7778% | 1,129 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,070 |
| Efficiency ratio | 74.1584% | 3,109 |
| Assets per employee ($millions) | 2.7706% | 6,135 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 4,258 |
| Loan loss allowance to noncurrent loans | 818.3099% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.2462% | 5,450 |
| Noncurrent loans to loans | 0.1556% | 5,614 |
| Net loans and leases to total assets | 58.0682% | 3,830 |
| Net loans and leases to deposits | 63.2771% | 4,402 |
| Net loans and leases to core deposits | 66.9555% | 4,408 |
| Total domestic deposits to total assets | 91.7681% | 308 |
| Equity capital to assets | 7.5565% | 6,295 |
| Core capital (leverage) ratio | 8.4368% | 5,715 |
| Tier 1 risk-based capital ratio | 13.5730% | 4,626 |
| Total risk-based capital ratio | 14.7571% | 4,613 |
| Memoranda: | ||
| Average total assets | $77,336,000 | 5,271 |
| Average earning assets | $70,291,000 | 5,267 |
| Average equity | $5,622,000 | 5,840 |
| Average total loans | $44,489,500 | 5,147 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2838% | 550 |
| Cost of funding earning assets | 0.4032% | 4,617 |
| Net interest margin | 4.8807% | 374 |
| Noninterest income to average assets | 0.8493% | 1,868 |
| Noninterest expense to average assets | 3.8307% | 1,091 |
| Loan and lease loss provision to assets | 0.0987% | 3,153 |
| Net operating income to assets | 1.3267% | 1,188 |
| Return on assets (ROA) | 1.2520% | 1,442 |
| Pretax return on assets | 1.2520% | 2,354 |
| Return on Equity (ROE) | 16.8147% | 522 |
| Retained earnings to average equity (ytd only) | 7.1628% | 1,374 |
| Net charge-offs to loans | -0.0024% | 5,863 |
| Credit loss provision to net charge-offs | -7,400.0000% | 6,396 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8818% | 3,313 |
| Assets per employee ($millions) | 2.8554% | 6,034 |
| Cash dividends to net income (ytd only)* | 57.4015% | 1,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3264% | 4,004 |
| Loan loss allowance to noncurrent loans | 435.6061% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 5,283 |
| Noncurrent loans to loans | 0.3045% | 5,278 |
| Net loans and leases to total assets | 55.4841% | 4,388 |
| Net loans and leases to deposits | 60.8426% | 4,855 |
| Net loans and leases to core deposits | 64.4246% | 4,827 |
| Total domestic deposits to total assets | 91.1928% | 503 |
| Equity capital to assets | 6.9809% | 6,460 |
| Core capital (leverage) ratio | 8.3025% | 5,874 |
| Tier 1 risk-based capital ratio | 13.6734% | 4,536 |
| Total risk-based capital ratio | 14.8845% | 4,509 |
| Memoranda: | ||
| Average total assets | $74,999,800 | 5,352 |
| Average earning assets | $67,716,000 | 5,353 |
| Average equity | $5,584,400 | 5,909 |
| Average total loans | $42,424,600 | 5,252 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 543 |
| Cost of funding earning assets | 0.4102% | 4,731 |
| Net interest margin | 4.8768% | 381 |
| Noninterest income to average assets | 0.8665% | 1,868 |
| Noninterest expense to average assets | 3.8401% | 1,037 |
| Loan and lease loss provision to assets | 0.0788% | 3,484 |
| Net operating income to assets | 1.3534% | 1,220 |
| Return on assets (ROA) | 1.3463% | 1,278 |
| Pretax return on assets | 1.3463% | 2,137 |
| Return on Equity (ROE) | 17.7931% | 456 |
| Retained earnings to average equity (ytd only) | 7.9501% | 1,424 |
| Net charge-offs to loans | -0.0158% | 5,993 |
| Credit loss provision to net charge-offs | -880.0000% | 6,162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8353% | 3,254 |
| Assets per employee ($millions) | 2.7298% | 6,235 |
| Cash dividends to net income (ytd only)* | 55.3190% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 4,373 |
| Loan loss allowance to noncurrent loans | 477.3913% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 5,695 |
| Noncurrent loans to loans | 0.2731% | 5,552 |
| Net loans and leases to total assets | 54.3822% | 4,546 |
| Net loans and leases to deposits | 58.8793% | 5,098 |
| Net loans and leases to core deposits | 62.3278% | 5,081 |
| Total domestic deposits to total assets | 92.3621% | 198 |
| Equity capital to assets | 6.8202% | 6,587 |
| Core capital (leverage) ratio | 8.6054% | 5,656 |
| Tier 1 risk-based capital ratio | 13.9288% | 4,479 |
| Total risk-based capital ratio | 15.1183% | 4,478 |
| Memoranda: | ||
| Average total assets | $74,475,750 | 5,417 |
| Average earning assets | $67,283,250 | 5,423 |
| Average equity | $5,635,000 | 5,962 |
| Average total loans | $42,193,000 | 5,304 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3606% | 473 |
| Cost of funding earning assets | 0.4184% | 4,770 |
| Net interest margin | 4.9422% | 339 |
| Noninterest income to average assets | 0.8778% | 1,898 |
| Noninterest expense to average assets | 3.8525% | 1,036 |
| Loan and lease loss provision to assets | 0.0786% | 3,486 |
| Net operating income to assets | 1.3952% | 1,091 |
| Return on assets (ROA) | 1.3844% | 1,200 |
| Pretax return on assets | 1.3844% | 1,988 |
| Return on Equity (ROE) | 17.6949% | 486 |
| Retained earnings to average equity (ytd only) | 7.8952% | 1,532 |
| Net charge-offs to loans | -0.0237% | 6,024 |
| Credit loss provision to net charge-offs | -580.0000% | 5,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3296% | 3,415 |
| Assets per employee ($millions) | 2.7102% | 6,281 |
| Cash dividends to net income (ytd only)* | 55.3816% | 1,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2641% | 4,673 |
| Loan loss allowance to noncurrent loans | 2,229.1667% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.1367% | 6,078 |
| Noncurrent loans to loans | 0.0567% | 6,218 |
| Net loans and leases to total assets | 57.1042% | 4,124 |
| Net loans and leases to deposits | 63.0599% | 4,618 |
| Net loans and leases to core deposits | 67.0066% | 4,591 |
| Total domestic deposits to total assets | 90.5555% | 726 |
| Equity capital to assets | 7.2347% | 6,534 |
| Core capital (leverage) ratio | 8.3766% | 5,794 |
| Tier 1 risk-based capital ratio | 13.7461% | 4,607 |
| Total risk-based capital ratio | 14.9095% | 4,627 |
| Memoranda: | ||
| Average total assets | $73,822,670 | 5,467 |
| Average earning assets | $66,448,000 | 5,482 |
| Average equity | $5,775,670 | 5,979 |
| Average total loans | $42,218,670 | 5,330 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3508% | 460 |
| Cost of funding earning assets | 0.4093% | 5,017 |
| Net interest margin | 4.9415% | 316 |
| Noninterest income to average assets | 0.8686% | 1,872 |
| Noninterest expense to average assets | 3.8734% | 1,030 |
| Loan and lease loss provision to assets | 0.0809% | 3,299 |
| Net operating income to assets | 1.3433% | 1,166 |
| Return on assets (ROA) | 1.3864% | 1,140 |
| Pretax return on assets | 1.3864% | 1,901 |
| Return on Equity (ROE) | 17.0863% | 503 |
| Retained earnings to average equity (ytd only) | 6.7149% | 2,307 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1161% | 3,427 |
| Assets per employee ($millions) | 2.7314% | 6,367 |
| Cash dividends to net income (ytd only)* | 60.7004% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 5,152 |
| Loan loss allowance to noncurrent loans | 651.8987% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.2210% | 5,903 |
| Noncurrent loans to loans | 0.1851% | 5,942 |
| Net loans and leases to total assets | 57.1622% | 3,892 |
| Net loans and leases to deposits | 62.6333% | 4,458 |
| Net loans and leases to core deposits | 66.4942% | 4,469 |
| Total domestic deposits to total assets | 91.2648% | 421 |
| Equity capital to assets | 8.0111% | 6,370 |
| Core capital (leverage) ratio | 8.3421% | 5,772 |
| Tier 1 risk-based capital ratio | 13.6147% | 4,781 |
| Total risk-based capital ratio | 14.7467% | 4,833 |
| Memoranda: | ||
| Average total assets | $74,146,500 | 5,509 |
| Average earning assets | $66,457,000 | 5,531 |
| Average equity | $6,016,500 | 5,977 |
| Average total loans | $42,167,500 | 5,370 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6809% | 446 |
| Cost of funding earning assets | 0.5330% | 4,969 |
| Net interest margin | 5.1479% | 299 |
| Noninterest income to average assets | 0.9005% | 1,851 |
| Noninterest expense to average assets | 3.9701% | 1,009 |
| Loan and lease loss provision to assets | 0.2517% | 2,644 |
| Net operating income to assets | 1.3297% | 1,234 |
| Return on assets (ROA) | 2.1763% | 293 |
| Pretax return on assets | 2.1763% | 434 |
| Return on Equity (ROE) | 25.6156% | 113 |
| Retained earnings to average equity (ytd only) | 15.1878% | 150 |
| Net charge-offs to loans | 0.0576% | 5,121 |
| Credit loss provision to net charge-offs | 752.1739% | 325 |
| Earnings coverage of net charge-offs (x) | 47.2609% | 701 |
| Efficiency ratio | 71.5147% | 3,516 |
| Assets per employee ($millions) | 2.7609% | 6,354 |
| Cash dividends to net income (ytd only)* | 40.7086% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 5,110 |
| Loan loss allowance to noncurrent loans | 1,851.8519% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 6,106 |
| Noncurrent loans to loans | 0.0648% | 6,327 |
| Net loans and leases to total assets | 55.2203% | 4,419 |
| Net loans and leases to deposits | 60.6164% | 4,956 |
| Net loans and leases to core deposits | 64.3127% | 4,921 |
| Total domestic deposits to total assets | 91.0980% | 464 |
| Equity capital to assets | 8.2165% | 6,270 |
| Core capital (leverage) ratio | 8.5285% | 5,571 |
| Tier 1 risk-based capital ratio | 13.7189% | 4,591 |
| Total risk-based capital ratio | 14.8448% | 4,626 |
| Memoranda: | ||
| Average total assets | $68,739,200 | 5,659 |
| Average earning assets | $62,103,200 | 5,664 |
| Average equity | $5,840,200 | 6,062 |
| Average total loans | $39,931,800 | 5,509 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7712% | 414 |
| Cost of funding earning assets | 0.5565% | 5,030 |
| Net interest margin | 5.2147% | 286 |
| Noninterest income to average assets | 0.8798% | 1,909 |
| Noninterest expense to average assets | 4.0363% | 896 |
| Loan and lease loss provision to assets | 0.2239% | 2,818 |
| Net operating income to assets | 1.3355% | 1,362 |
| Return on assets (ROA) | 2.0825% | 383 |
| Pretax return on assets | 2.0825% | 591 |
| Return on Equity (ROE) | 24.2902% | 160 |
| Retained earnings to average equity (ytd only) | 14.2829% | 281 |
| Net charge-offs to loans | 0.0776% | 4,626 |
| Credit loss provision to net charge-offs | 491.3043% | 546 |
| Earnings coverage of net charge-offs (x) | 34.2129% | 989 |
| Efficiency ratio | 72.1317% | 3,302 |
| Assets per employee ($millions) | 2.6088% | 6,590 |
| Cash dividends to net income (ytd only)* | 41.1989% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 5,768 |
| Loan loss allowance to noncurrent loans | 758.6207% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.2768% | 6,009 |
| Noncurrent loans to loans | 0.1435% | 6,246 |
| Net loans and leases to total assets | 56.7571% | 4,337 |
| Net loans and leases to deposits | 62.7500% | 4,883 |
| Net loans and leases to core deposits | 66.8405% | 4,861 |
| Total domestic deposits to total assets | 90.4496% | 612 |
| Equity capital to assets | 8.6773% | 6,123 |
| Core capital (leverage) ratio | 8.4424% | 5,830 |
| Tier 1 risk-based capital ratio | 13.5675% | 4,841 |
| Total risk-based capital ratio | 14.5926% | 4,956 |
| Memoranda: | ||
| Average total assets | $67,287,750 | 5,764 |
| Average earning assets | $60,852,250 | 5,775 |
| Average equity | $5,769,000 | 6,153 |
| Average total loans | $39,498,750 | 5,599 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8449% | 376 |
| Cost of funding earning assets | 0.5865% | 5,013 |
| Net interest margin | 5.2584% | 257 |
| Noninterest income to average assets | 0.8454% | 1,985 |
| Noninterest expense to average assets | 4.0611% | 877 |
| Loan and lease loss provision to assets | 0.2053% | 3,014 |
| Net operating income to assets | 1.3165% | 1,398 |
| Return on assets (ROA) | 2.0713% | 391 |
| Pretax return on assets | 2.0713% | 607 |
| Return on Equity (ROE) | 24.2631% | 173 |
| Retained earnings to average equity (ytd only) | 16.5527% | 202 |
| Net charge-offs to loans | 0.0612% | 4,566 |
| Credit loss provision to net charge-offs | 566.6667% | 551 |
| Earnings coverage of net charge-offs (x) | 42.0000% | 843 |
| Efficiency ratio | 72.7420% | 3,291 |
| Assets per employee ($millions) | 2.5971% | 6,657 |
| Cash dividends to net income (ytd only)* | 31.7784% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0151% | 6,092 |
| Loan loss allowance to noncurrent loans | 1,068.4211% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.2740% | 6,096 |
| Noncurrent loans to loans | 0.0950% | 6,427 |
| Net loans and leases to total assets | 58.6325% | 4,059 |
| Net loans and leases to deposits | 64.8013% | 4,664 |
| Net loans and leases to core deposits | 69.2114% | 4,636 |
| Total domestic deposits to total assets | 90.4804% | 676 |
| Equity capital to assets | 8.6843% | 6,043 |
| Core capital (leverage) ratio | 8.3401% | 5,860 |
| Tier 1 risk-based capital ratio | 13.5191% | 4,807 |
| Total risk-based capital ratio | 14.4866% | 4,985 |
| Memoranda: | ||
| Average total assets | $66,238,000 | 5,838 |
| Average earning assets | $59,676,000 | 5,851 |
| Average equity | $5,654,670 | 6,203 |
| Average total loans | $39,192,330 | 5,641 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8609% | 379 |
| Cost of funding earning assets | 0.5786% | 5,290 |
| Net interest margin | 5.2823% | 262 |
| Noninterest income to average assets | 0.8354% | 2,012 |
| Noninterest expense to average assets | 4.1467% | 787 |
| Loan and lease loss provision to assets | 0.1403% | 3,600 |
| Net operating income to assets | 1.2806% | 1,503 |
| Return on assets (ROA) | 2.1892% | 353 |
| Pretax return on assets | 2.1892% | 549 |
| Return on Equity (ROE) | 25.8739% | 167 |
| Retained earnings to average equity (ytd only) | 19.8919% | 193 |
| Net charge-offs to loans | 0.0722% | 3,773 |
| Credit loss provision to net charge-offs | 328.5714% | 914 |
| Earnings coverage of net charge-offs (x) | 33.2857% | 855 |
| Efficiency ratio | 74.4797% | 3,022 |
| Assets per employee ($millions) | 2.6127% | 6,729 |
| Cash dividends to net income (ytd only)* | 23.1198% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 6,440 |
| Loan loss allowance to noncurrent loans | 938.4615% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 6,177 |
| Noncurrent loans to loans | 0.1003% | 6,509 |
| Net loans and leases to total assets | 56.6972% | 4,258 |
| Net loans and leases to deposits | 63.2399% | 4,735 |
| Net loans and leases to core deposits | 66.3949% | 4,874 |
| Total domestic deposits to total assets | 89.6542% | 1,267 |
| Equity capital to assets | 8.4188% | 6,156 |
| Core capital (leverage) ratio | 8.1686% | 6,072 |
| Tier 1 risk-based capital ratio | 13.3510% | 4,933 |
| Total risk-based capital ratio | 14.2509% | 5,189 |
| Memoranda: | ||
| Average total assets | $65,595,000 | 5,901 |
| Average earning assets | $58,762,500 | 5,914 |
| Average equity | $5,550,000 | 6,258 |
| Average total loans | $38,790,000 | 5,695 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0360% | 408 |
| Cost of funding earning assets | 0.7121% | 5,456 |
| Net interest margin | 5.3239% | 231 |
| Noninterest income to average assets | 1.1810% | 949 |
| Noninterest expense to average assets | 4.4985% | 591 |
| Loan and lease loss provision to assets | 0.3641% | 2,818 |
| Net operating income to assets | 1.1005% | 1,832 |
| Return on assets (ROA) | 1.3292% | 1,268 |
| Pretax return on assets | 1.3292% | 2,019 |
| Return on Equity (ROE) | 16.8209% | 492 |
| Retained earnings to average equity (ytd only) | 8.9304% | 826 |
| Net charge-offs to loans | 0.2803% | 4,018 |
| Credit loss provision to net charge-offs | 211.2150% | 1,170 |
| Earnings coverage of net charge-offs (x) | 8.4953% | 2,137 |
| Efficiency ratio | 75.4391% | 2,986 |
| Assets per employee ($millions) | 2.4330% | 6,890 |
| Cash dividends to net income (ytd only)* | 46.9091% | 2,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9044% | 6,526 |
| Loan loss allowance to noncurrent loans | 173.2673% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.6924% | 5,259 |
| Noncurrent loans to loans | 0.5220% | 5,668 |
| Net loans and leases to total assets | 60.6222% | 3,866 |
| Net loans and leases to deposits | 66.8078% | 4,622 |
| Net loans and leases to core deposits | 70.6738% | 4,691 |
| Total domestic deposits to total assets | 90.7412% | 606 |
| Equity capital to assets | 8.5063% | 6,143 |
| Core capital (leverage) ratio | 8.1282% | 6,103 |
| Tier 1 risk-based capital ratio | 12.8176% | 5,231 |
| Total risk-based capital ratio | 13.6964% | 5,475 |
| Memoranda: | ||
| Average total assets | $62,065,200 | 5,979 |
| Average earning assets | $55,748,800 | 5,994 |
| Average equity | $4,904,600 | 6,476 |
| Average total loans | $38,169,200 | 5,774 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0587% | 416 |
| Cost of funding earning assets | 0.7340% | 5,567 |
| Net interest margin | 5.3248% | 236 |
| Noninterest income to average assets | 1.2434% | 837 |
| Noninterest expense to average assets | 4.5266% | 569 |
| Loan and lease loss provision to assets | 0.4166% | 2,381 |
| Net operating income to assets | 1.0923% | 2,000 |
| Return on assets (ROA) | 1.4031% | 1,226 |
| Pretax return on assets | 1.4031% | 1,937 |
| Return on Equity (ROE) | 18.1099% | 444 |
| Retained earnings to average equity (ytd only) | 11.9246% | 506 |
| Net charge-offs to loans | 0.1963% | 4,232 |
| Credit loss provision to net charge-offs | 344.6429% | 822 |
| Earnings coverage of net charge-offs (x) | 12.4830% | 1,705 |
| Efficiency ratio | 75.0000% | 3,004 |
| Assets per employee ($millions) | 2.4248% | 6,963 |
| Cash dividends to net income (ytd only)* | 34.1533% | 2,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9778% | 6,364 |
| Loan loss allowance to noncurrent loans | 151.8519% | 2,010 |
| Noncurrent assets plus other real estate owned to assets | 0.6424% | 5,531 |
| Noncurrent loans to loans | 0.6439% | 5,599 |
| Net loans and leases to total assets | 59.2745% | 4,275 |
| Net loans and leases to deposits | 65.3019% | 5,013 |
| Net loans and leases to core deposits | 68.7689% | 5,090 |
| Total domestic deposits to total assets | 90.7699% | 527 |
| Equity capital to assets | 8.3910% | 6,405 |
| Core capital (leverage) ratio | 8.2358% | 6,083 |
| Tier 1 risk-based capital ratio | 13.1609% | 4,980 |
| Total risk-based capital ratio | 14.1144% | 5,170 |
| Memoranda: | ||
| Average total assets | $61,766,750 | 6,039 |
| Average earning assets | $55,587,750 | 6,049 |
| Average equity | $4,785,500 | 6,563 |
| Average total loans | $38,036,750 | 5,834 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0848% | 403 |
| Cost of funding earning assets | 0.7638% | 5,600 |
| Net interest margin | 5.3210% | 236 |
| Noninterest income to average assets | 0.9455% | 1,483 |
| Noninterest expense to average assets | 4.5549% | 560 |
| Loan and lease loss provision to assets | 0.2380% | 3,538 |
| Net operating income to assets | 0.9455% | 2,456 |
| Return on assets (ROA) | 1.2194% | 1,592 |
| Pretax return on assets | 1.2194% | 2,407 |
| Return on Equity (ROE) | 16.1998% | 648 |
| Retained earnings to average equity (ytd only) | 10.4822% | 748 |
| Net charge-offs to loans | 0.2255% | 3,773 |
| Credit loss provision to net charge-offs | 169.7674% | 1,778 |
| Earnings coverage of net charge-offs (x) | 8.4419% | 2,055 |
| Efficiency ratio | 79.3750% | 2,494 |
| Assets per employee ($millions) | 2.1313% | 7,221 |
| Cash dividends to net income (ytd only)* | 35.2941% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6826% | 7,040 |
| Loan loss allowance to noncurrent loans | 315.6627% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.4368% | 6,053 |
| Noncurrent loans to loans | 0.2162% | 6,472 |
| Net loans and leases to total assets | 61.6791% | 3,953 |
| Net loans and leases to deposits | 67.6798% | 4,759 |
| Net loans and leases to core deposits | 71.3267% | 4,908 |
| Total domestic deposits to total assets | 91.1337% | 452 |
| Equity capital to assets | 8.0573% | 6,635 |
| Core capital (leverage) ratio | 7.9197% | 6,391 |
| Tier 1 risk-based capital ratio | 12.6426% | 5,226 |
| Total risk-based capital ratio | 13.3175% | 5,699 |
| Memoranda: | ||
| Average total assets | $61,341,000 | 6,096 |
| Average earning assets | $55,252,330 | 6,113 |
| Average equity | $4,617,330 | 6,647 |
| Average total loans | $38,136,330 | 5,883 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0332% | 442 |
| Cost of funding earning assets | 0.7996% | 5,579 |
| Net interest margin | 5.2336% | 242 |
| Noninterest income to average assets | 0.9099% | 1,630 |
| Noninterest expense to average assets | 4.4970% | 593 |
| Loan and lease loss provision to assets | 0.2422% | 3,249 |
| Net operating income to assets | 0.8837% | 2,643 |
| Return on assets (ROA) | 0.9033% | 2,612 |
| Pretax return on assets | 0.9033% | 3,480 |
| Return on Equity (ROE) | 12.4436% | 1,342 |
| Retained earnings to average equity (ytd only) | 6.5825% | 2,334 |
| Net charge-offs to loans | 0.3052% | 2,824 |
| Credit loss provision to net charge-offs | 127.5862% | 2,165 |
| Earnings coverage of net charge-offs (x) | 5.9310% | 2,181 |
| Efficiency ratio | 79.9767% | 2,541 |
| Assets per employee ($millions) | 2.2183% | 7,242 |
| Cash dividends to net income (ytd only)* | 47.1014% | 1,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6173% | 7,184 |
| Loan loss allowance to noncurrent loans | 120.8122% | 2,408 |
| Noncurrent assets plus other real estate owned to assets | 0.4894% | 6,004 |
| Noncurrent loans to loans | 0.5110% | 6,000 |
| Net loans and leases to total assets | 61.6843% | 3,926 |
| Net loans and leases to deposits | 68.0255% | 4,677 |
| Net loans and leases to core deposits | 71.6833% | 4,828 |
| Total domestic deposits to total assets | 90.6783% | 770 |
| Equity capital to assets | 7.4670% | 6,884 |
| Core capital (leverage) ratio | 7.5983% | 6,655 |
| Tier 1 risk-based capital ratio | 12.2493% | 5,476 |
| Total risk-based capital ratio | 12.8644% | 5,995 |
| Memoranda: | ||
| Average total assets | $61,108,000 | 6,152 |
| Average earning assets | $55,029,000 | 6,161 |
| Average equity | $4,436,000 | 6,729 |
| Average total loans | $38,012,500 | 5,938 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8913% | 1,064 |
| Cost of funding earning assets | 1.0209% | 5,584 |
| Net interest margin | 4.8704% | 574 |
| Noninterest income to average assets | 0.9954% | 1,518 |
| Noninterest expense to average assets | 4.3999% | 723 |
| Loan and lease loss provision to assets | 0.2476% | 4,816 |
| Net operating income to assets | 0.6822% | 3,294 |
| Return on assets (ROA) | 0.9020% | 2,514 |
| Pretax return on assets | 0.9020% | 3,285 |
| Return on Equity (ROE) | 12.0282% | 1,313 |
| Retained earnings to average equity (ytd only) | 5.7954% | 1,940 |
| Net charge-offs to loans | 0.6035% | 3,219 |
| Credit loss provision to net charge-offs | 68.6364% | 5,903 |
| Earnings coverage of net charge-offs (x) | 2.5773% | 3,818 |
| Efficiency ratio | 82.5538% | 2,097 |
| Assets per employee ($millions) | 2.1465% | 7,335 |
| Cash dividends to net income (ytd only)* | 51.8182% | 1,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6164% | 7,241 |
| Loan loss allowance to noncurrent loans | 137.5000% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.5940% | 5,835 |
| Noncurrent loans to loans | 0.4483% | 6,144 |
| Net loans and leases to total assets | 61.9636% | 4,295 |
| Net loans and leases to deposits | 67.1947% | 5,218 |
| Net loans and leases to core deposits | 71.5738% | 5,256 |
| Total domestic deposits to total assets | 92.2150% | 235 |
| Equity capital to assets | 7.0446% | 7,099 |
| Core capital (leverage) ratio | 7.4609% | 6,733 |
| Tier 1 risk-based capital ratio | 12.4443% | 5,070 |
| Total risk-based capital ratio | 13.0603% | 5,636 |
| Memoranda: | ||
| Average total assets | $60,978,000 | 6,163 |
| Average earning assets | $54,266,600 | 6,204 |
| Average equity | $4,572,600 | 6,794 |
| Average total loans | $36,455,400 | 6,095 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8404% | 1,282 |
| Cost of funding earning assets | 1.0548% | 5,679 |
| Net interest margin | 4.7857% | 696 |
| Noninterest income to average assets | 1.0872% | 1,204 |
| Noninterest expense to average assets | 4.4446% | 633 |
| Loan and lease loss provision to assets | 0.2571% | 4,522 |
| Net operating income to assets | 0.6362% | 3,719 |
| Return on assets (ROA) | 0.9259% | 2,646 |
| Pretax return on assets | 0.9259% | 3,467 |
| Return on Equity (ROE) | 12.1671% | 1,456 |
| Retained earnings to average equity (ytd only) | 5.4395% | 2,684 |
| Net charge-offs to loans | 0.6666% | 2,764 |
| Credit loss provision to net charge-offs | 65.1934% | 5,557 |
| Earnings coverage of net charge-offs (x) | 2.2652% | 4,038 |
| Efficiency ratio | 83.2653% | 1,921 |
| Assets per employee ($millions) | 2.2311% | 7,361 |
| Cash dividends to net income (ytd only)* | 55.2952% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6466% | 7,290 |
| Loan loss allowance to noncurrent loans | 154.9020% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.3815% | 4,401 |
| Noncurrent loans to loans | 0.4174% | 6,365 |
| Net loans and leases to total assets | 58.2952% | 5,212 |
| Net loans and leases to deposits | 65.7905% | 5,689 |
| Net loans and leases to core deposits | 70.0718% | 5,742 |
| Total domestic deposits to total assets | 88.6073% | 1,618 |
| Equity capital to assets | 7.7173% | 6,987 |
| Core capital (leverage) ratio | 7.4096% | 6,926 |
| Tier 1 risk-based capital ratio | 12.0747% | 5,386 |
| Total risk-based capital ratio | 12.6979% | 5,960 |
| Memoranda: | ||
| Average total assets | $61,196,750 | 6,222 |
| Average earning assets | $54,355,500 | 6,268 |
| Average equity | $4,657,250 | 6,853 |
| Average total loans | $36,201,000 | 6,192 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8956% | 1,198 |
| Cost of funding earning assets | 1.0943% | 5,705 |
| Net interest margin | 4.8014% | 662 |
| Noninterest income to average assets | 1.0893% | 1,127 |
| Noninterest expense to average assets | 4.3902% | 652 |
| Loan and lease loss provision to assets | 0.2501% | 4,422 |
| Net operating income to assets | 0.6944% | 3,424 |
| Return on assets (ROA) | 1.0498% | 2,091 |
| Pretax return on assets | 1.0498% | 2,933 |
| Return on Equity (ROE) | 13.8615% | 1,068 |
| Retained earnings to average equity (ytd only) | 7.9954% | 1,441 |
| Net charge-offs to loans | 0.0999% | 5,150 |
| Credit loss provision to net charge-offs | 422.2222% | 860 |
| Earnings coverage of net charge-offs (x) | 15.9444% | 1,429 |
| Efficiency ratio | 82.2949% | 2,122 |
| Assets per employee ($millions) | 2.2813% | 7,369 |
| Cash dividends to net income (ytd only)* | 42.3197% | 1,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9714% | 6,518 |
| Loan loss allowance to noncurrent loans | 43.9951% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 2.1252% | 3,342 |
| Noncurrent loans to loans | 2.2079% | 3,474 |
| Net loans and leases to total assets | 59.4188% | 5,171 |
| Net loans and leases to deposits | 65.6838% | 5,850 |
| Net loans and leases to core deposits | 71.4573% | 5,729 |
| Total domestic deposits to total assets | 90.4619% | 700 |
| Equity capital to assets | 7.5185% | 7,101 |
| Core capital (leverage) ratio | 7.5462% | 6,788 |
| Tier 1 risk-based capital ratio | 11.8591% | 5,435 |
| Total risk-based capital ratio | 12.7878% | 5,705 |
| Memoranda: | ||
| Average total assets | $60,772,330 | 6,274 |
| Average earning assets | $53,734,670 | 6,336 |
| Average equity | $4,602,670 | 6,903 |
| Average total loans | $36,050,000 | 6,243 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9893% | 1,001 |
| Cost of funding earning assets | 1.1169% | 5,819 |
| Net interest margin | 4.8724% | 561 |
| Noninterest income to average assets | 1.0073% | 1,278 |
| Noninterest expense to average assets | 4.3737% | 658 |
| Loan and lease loss provision to assets | 0.2054% | 4,446 |
| Net operating income to assets | 0.7356% | 3,282 |
| Return on assets (ROA) | 0.8814% | 2,701 |
| Pretax return on assets | 0.8814% | 3,532 |
| Return on Equity (ROE) | 11.5942% | 1,612 |
| Retained earnings to average equity (ytd only) | 6.3637% | 2,436 |
| Net charge-offs to loans | 0.3484% | 3,016 |
| Credit loss provision to net charge-offs | 100.0000% | 3,385 |
| Earnings coverage of net charge-offs (x) | 4.5806% | 2,598 |
| Efficiency ratio | 82.2943% | 2,240 |
| Assets per employee ($millions) | 2.3316% | 7,418 |
| Cash dividends to net income (ytd only)* | 45.1128% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8499% | 6,996 |
| Loan loss allowance to noncurrent loans | 164.4809% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.9848% | 5,175 |
| Noncurrent loans to loans | 0.5167% | 6,258 |
| Net loans and leases to total assets | 57.9262% | 5,451 |
| Net loans and leases to deposits | 63.2174% | 6,145 |
| Net loans and leases to core deposits | 66.8125% | 6,226 |
| Total domestic deposits to total assets | 91.6301% | 339 |
| Equity capital to assets | 7.6540% | 6,965 |
| Core capital (leverage) ratio | 7.1761% | 7,124 |
| Tier 1 risk-based capital ratio | 12.1444% | 5,038 |
| Total risk-based capital ratio | 12.9615% | 5,430 |
| Memoranda: | ||
| Average total assets | $60,361,000 | 6,360 |
| Average earning assets | $53,362,000 | 6,420 |
| Average equity | $4,588,500 | 6,981 |
| Average total loans | $35,596,000 | 6,333 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8903% | 2,279 |
| Cost of funding earning assets | 1.4910% | 5,546 |
| Net interest margin | 4.3993% | 1,432 |
| Noninterest income to average assets | 1.1545% | 1,157 |
| Noninterest expense to average assets | 4.2220% | 1,066 |
| Loan and lease loss provision to assets | 0.2064% | 5,691 |
| Net operating income to assets | 0.6377% | 3,181 |
| Return on assets (ROA) | 0.9599% | 2,032 |
| Pretax return on assets | 0.9599% | 2,728 |
| Return on Equity (ROE) | 13.9580% | 793 |
| Retained earnings to average equity (ytd only) | 1.1713% | 4,225 |
| Net charge-offs to loans | 0.0886% | 6,236 |
| Credit loss provision to net charge-offs | 410.0000% | 770 |
| Earnings coverage of net charge-offs (x) | 16.7667% | 1,233 |
| Efficiency ratio | 83.3389% | 2,437 |
| Assets per employee ($millions) | 2.3115% | 7,461 |
| Cash dividends to net income (ytd only)* | 91.6084% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8414% | 7,008 |
| Loan loss allowance to noncurrent loans | 52.9930% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 1.1880% | 4,726 |
| Noncurrent loans to loans | 1.5877% | 4,272 |
| Net loans and leases to total assets | 59.0250% | 5,484 |
| Net loans and leases to deposits | 65.7255% | 6,079 |
| Net loans and leases to core deposits | 81.3680% | 5,971 |
| Total domestic deposits to total assets | 89.8053% | 1,056 |
| Equity capital to assets | 7.5491% | 6,988 |
| Core capital (leverage) ratio | 7.4017% | 6,883 |
| Tier 1 risk-based capital ratio | 11.9327% | 5,004 |
| Total risk-based capital ratio | 12.7488% | 5,356 |
| Memoranda: | ||
| Average total assets | $59,592,600 | 6,366 |
| Average earning assets | $52,985,400 | 6,413 |
| Average equity | $4,098,000 | 7,246 |
| Average total loans | $33,876,000 | 6,407 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 2,474 |
| Cost of funding earning assets | 1.5321% | 5,705 |
| Net interest margin | 4.3622% | 1,554 |
| Noninterest income to average assets | 1.1457% | 1,196 |
| Noninterest expense to average assets | 4.1905% | 1,043 |
| Loan and lease loss provision to assets | 0.1659% | 5,697 |
| Net operating income to assets | 0.6771% | 3,287 |
| Return on assets (ROA) | 1.0695% | 1,880 |
| Pretax return on assets | 1.0695% | 2,677 |
| Return on Equity (ROE) | 15.9463% | 665 |
| Retained earnings to average equity (ytd only) | -0.4012% | 5,317 |
| Net charge-offs to loans | 0.0240% | 6,550 |
| Credit loss provision to net charge-offs | 1,233.3333% | 307 |
| Earnings coverage of net charge-offs (x) | 62.6650% | 524 |
| Efficiency ratio | 83.2517% | 2,400 |
| Assets per employee ($millions) | 2.0280% | 7,780 |
| Cash dividends to net income (ytd only)* | 102.5158% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7965% | 7,135 |
| Loan loss allowance to noncurrent loans | 50.1818% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 1.1018% | 4,876 |
| Noncurrent loans to loans | 1.5872% | 4,257 |
| Net loans and leases to total assets | 58.4514% | 5,816 |
| Net loans and leases to deposits | 64.0537% | 6,485 |
| Net loans and leases to core deposits | 79.0821% | 6,414 |
| Total domestic deposits to total assets | 91.2536% | 324 |
| Equity capital to assets | 7.8571% | 6,979 |
| Core capital (leverage) ratio | 7.5032% | 6,965 |
| Tier 1 risk-based capital ratio | 12.0917% | 4,884 |
| Total risk-based capital ratio | 12.8603% | 5,268 |
| Memoranda: | ||
| Average total assets | $59,465,750 | 6,406 |
| Average earning assets | $52,999,500 | 6,457 |
| Average equity | $3,988,250 | 7,367 |
| Average total loans | $33,401,250 | 6,488 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9676% | 2,312 |
| Cost of funding earning assets | 1.5504% | 5,927 |
| Net interest margin | 4.4173% | 1,372 |
| Noninterest income to average assets | 1.1025% | 1,306 |
| Noninterest expense to average assets | 4.1318% | 1,156 |
| Loan and lease loss provision to assets | 0.1374% | 5,700 |
| Net operating income to assets | 0.7573% | 3,014 |
| Return on assets (ROA) | 1.0455% | 2,029 |
| Pretax return on assets | 1.0455% | 2,825 |
| Return on Equity (ROE) | 16.5196% | 642 |
| Retained earnings to average equity (ytd only) | -8.4186% | 6,713 |
| Net charge-offs to loans | 0.0243% | 6,150 |
| Credit loss provision to net charge-offs | 1,025.0000% | 477 |
| Earnings coverage of net charge-offs (x) | 66.7500% | 550 |
| Efficiency ratio | 82.2000% | 2,702 |
| Assets per employee ($millions) | 2.1961% | 7,677 |
| Cash dividends to net income (ytd only)* | 150.9615% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7307% | 7,357 |
| Loan loss allowance to noncurrent loans | 53.4934% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 0.9360% | 5,106 |
| Noncurrent loans to loans | 1.3660% | 4,482 |
| Net loans and leases to total assets | 56.1319% | 6,191 |
| Net loans and leases to deposits | 64.3119% | 6,534 |
| Net loans and leases to core deposits | 78.9281% | 6,487 |
| Total domestic deposits to total assets | 87.2808% | 2,109 |
| Equity capital to assets | 6.7644% | 7,725 |
| Core capital (leverage) ratio | 6.6852% | 7,707 |
| Tier 1 risk-based capital ratio | 11.2822% | 5,613 |
| Total risk-based capital ratio | 11.9745% | 6,105 |
| Memoranda: | ||
| Average total assets | $59,683,330 | 6,460 |
| Average earning assets | $53,019,330 | 6,511 |
| Average equity | $3,777,330 | 7,485 |
| Average total loans | $32,984,000 | 6,554 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9721% | 2,473 |
| Cost of funding earning assets | 1.5553% | 6,211 |
| Net interest margin | 4.4168% | 1,306 |
| Noninterest income to average assets | 1.1624% | 1,084 |
| Noninterest expense to average assets | 4.0750% | 1,096 |
| Loan and lease loss provision to assets | 0.0935% | 5,760 |
| Net operating income to assets | 0.9018% | 2,699 |
| Return on assets (ROA) | 1.0622% | 2,226 |
| Pretax return on assets | 1.0622% | 3,135 |
| Return on Equity (ROE) | 17.3747% | 650 |
| Retained earnings to average equity (ytd only) | -28.6300% | 7,840 |
| Net charge-offs to loans | 0.0611% | 4,604 |
| Credit loss provision to net charge-offs | 280.0000% | 1,718 |
| Earnings coverage of net charge-offs (x) | 29.8000% | 1,061 |
| Efficiency ratio | 80.3689% | 2,765 |
| Assets per employee ($millions) | 2.2224% | 7,684 |
| Cash dividends to net income (ytd only)* | 264.7799% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6439% | 7,579 |
| Loan loss allowance to noncurrent loans | 129.7619% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 0.3566% | 6,443 |
| Noncurrent loans to loans | 0.4962% | 6,186 |
| Net loans and leases to total assets | 56.0563% | 6,232 |
| Net loans and leases to deposits | 64.9582% | 6,466 |
| Net loans and leases to core deposits | 77.0002% | 6,608 |
| Total domestic deposits to total assets | 86.2959% | 2,559 |
| Equity capital to assets | 5.9429% | 8,006 |
| Core capital (leverage) ratio | 5.5967% | 8,071 |
| Tier 1 risk-based capital ratio | 9.4198% | 7,497 |
| Total risk-based capital ratio | 10.0256% | 7,947 |
| Memoranda: | ||
| Average total assets | $59,877,000 | 6,478 |
| Average earning assets | $52,979,500 | 6,544 |
| Average equity | $3,660,500 | 7,571 |
| Average total loans | $32,711,500 | 6,602 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7635% | 1,809 |
| Cost of funding earning assets | 1.9921% | 6,436 |
| Net interest margin | 4.7714% | 832 |
| Noninterest income to average assets | 1.3635% | 776 |
| Noninterest expense to average assets | 4.3478% | 995 |
| Loan and lease loss provision to assets | 0.2014% | 4,875 |
| Net operating income to assets | 1.0315% | 2,425 |
| Return on assets (ROA) | 1.0576% | 2,221 |
| Pretax return on assets | 1.0576% | 3,191 |
| Return on Equity (ROE) | 15.3409% | 876 |
| Retained earnings to average equity (ytd only) | -17.5325% | 7,596 |
| Net charge-offs to loans | 0.5053% | 2,334 |
| Credit loss provision to net charge-offs | 72.9730% | 6,029 |
| Earnings coverage of net charge-offs (x) | 4.4662% | 3,971 |
| Efficiency ratio | 77.9078% | 2,930 |
| Assets per employee ($millions) | 2.2981% | 7,569 |
| Cash dividends to net income (ytd only)* | 214.2857% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6620% | 7,521 |
| Loan loss allowance to noncurrent loans | 746.4286% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1322% | 7,048 |
| Noncurrent loans to loans | 0.0887% | 7,156 |
| Net loans and leases to total assets | 52.4854% | 6,804 |
| Net loans and leases to deposits | 61.7870% | 6,962 |
| Net loans and leases to core deposits | 71.4318% | 7,111 |
| Total domestic deposits to total assets | 84.9456% | 2,868 |
| Equity capital to assets | 6.2845% | 7,998 |
| Core capital (leverage) ratio | 6.7882% | 7,823 |
| Tier 1 risk-based capital ratio | 10.4944% | 6,212 |
| Total risk-based capital ratio | 11.0948% | 6,791 |
| Memoranda: | ||
| Average total assets | $53,613,200 | 6,634 |
| Average earning assets | $47,387,000 | 6,695 |
| Average equity | $3,696,000 | 7,610 |
| Average total loans | $29,286,800 | 6,754 |