Home > First New Mexico Bank of Silver City > Performance and Condition Ratios
First New Mexico Bank of Silver City, 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 | 4.5657% | 2,982 |
| Cost of funding earning assets | 0.3548% | 4,333 |
| Net interest margin | 4.2109% | 917 |
| Noninterest income to average assets | 0.8400% | 858 |
| Noninterest expense to average assets | 2.8945% | 1,281 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.4742% | 1,070 |
| Return on assets (ROA) | 1.4742% | 1,043 |
| Pretax return on assets | 1.9445% | 726 |
| Return on Equity (ROE) | 12.8800% | 1,757 |
| Retained earnings to average equity (ytd only) | 4.7356% | 2,697 |
| Net charge-offs to loans | 0.0682% | 1,171 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 67.6000% | 1,120 |
| Efficiency ratio | 59.8157% | 3,098 |
| Assets per employee ($millions) | 5.0374% | 3,607 |
| Cash dividends to net income (ytd only)* | 63.2195% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 740 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 44.9600% | 3,862 |
| Net loans and leases to deposits | 52.6939% | 3,848 |
| Net loans and leases to core deposits | 53.2959% | 3,994 |
| Total domestic deposits to total assets | 85.3300% | 2,202 |
| Equity capital to assets | 11.9873% | 1,123 |
| Core capital (leverage) ratio | 12.0189% | 1,404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $139,056,600 | 3,469 |
| Average earning assets | $132,203,800 | 3,427 |
| Average equity | $15,921,800 | 3,190 |
| Average total loans | $58,636,000 | 3,729 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4767% | 2,953 |
| Cost of funding earning assets | 0.2975% | 4,365 |
| Net interest margin | 4.1792% | 951 |
| Noninterest income to average assets | 0.8000% | 949 |
| Noninterest expense to average assets | 2.8770% | 1,271 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4476% | 1,225 |
| Return on assets (ROA) | 1.4476% | 1,207 |
| Pretax return on assets | 1.9034% | 856 |
| Return on Equity (ROE) | 12.7900% | 1,946 |
| Retained earnings to average equity (ytd only) | 5.2654% | 2,850 |
| Net charge-offs to loans | -0.0139% | 4,028 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.1835% | 2,944 |
| Assets per employee ($millions) | 5.0813% | 3,545 |
| Cash dividends to net income (ytd only)* | 58.8274% | 985 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8755% | 500 |
| Loan loss allowance to noncurrent loans | 649.3976% | 1,190 |
| Noncurrent assets plus other real estate owned to assets | 0.1210% | 2,759 |
| Noncurrent loans to loans | 0.2888% | 2,203 |
| Net loans and leases to total assets | 41.1100% | 4,017 |
| Net loans and leases to deposits | 48.2695% | 3,995 |
| Net loans and leases to core deposits | 48.4807% | 4,078 |
| Total domestic deposits to total assets | 85.1700% | 2,451 |
| Equity capital to assets | 11.7782% | 1,097 |
| Core capital (leverage) ratio | 11.5025% | 1,671 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $139,818,000 | 3,468 |
| Average earning assets | $133,100,000 | 3,421 |
| Average equity | $15,826,250 | 3,188 |
| Average total loans | $57,748,000 | 3,746 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3516% | 2,994 |
| Cost of funding earning assets | 0.2141% | 4,418 |
| Net interest margin | 4.1376% | 1,027 |
| Noninterest income to average assets | 0.7300% | 1,027 |
| Noninterest expense to average assets | 2.8132% | 1,389 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.4201% | 1,281 |
| Return on assets (ROA) | 1.4201% | 1,263 |
| Pretax return on assets | 1.8480% | 941 |
| Return on Equity (ROE) | 12.7100% | 1,965 |
| Retained earnings to average equity (ytd only) | 5.4596% | 2,802 |
| Net charge-offs to loans | -0.0207% | 4,129 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.3538% | 2,921 |
| Assets per employee ($millions) | 5.0615% | 3,545 |
| Cash dividends to net income (ytd only)* | 57.0571% | 1,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8697% | 528 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 41.4000% | 3,989 |
| Net loans and leases to deposits | 48.3110% | 3,978 |
| Net loans and leases to core deposits | 48.4144% | 4,054 |
| Total domestic deposits to total assets | 85.7000% | 2,329 |
| Equity capital to assets | 11.6690% | 1,147 |
| Core capital (leverage) ratio | 11.7595% | 1,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $140,692,667 | 3,470 |
| Average earning assets | $133,605,333 | 3,429 |
| Average equity | $15,715,333 | 3,211 |
| Average total loans | $57,838,000 | 3,753 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2418% | 2,948 |
| Cost of funding earning assets | 0.1708% | 4,422 |
| Net interest margin | 4.0709% | 1,140 |
| Noninterest income to average assets | 0.6400% | 1,279 |
| Noninterest expense to average assets | 2.7188% | 1,622 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3874% | 1,441 |
| Return on assets (ROA) | 1.3874% | 1,410 |
| Pretax return on assets | 1.7939% | 1,077 |
| Return on Equity (ROE) | 12.6900% | 2,053 |
| Retained earnings to average equity (ytd only) | 5.4104% | 2,918 |
| Net charge-offs to loans | -0.0414% | 4,317 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.2484% | 2,928 |
| Assets per employee ($millions) | 5.2597% | 3,452 |
| Cash dividends to net income (ytd only)* | 57.3737% | 1,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8973% | 534 |
| Loan loss allowance to noncurrent loans | 1,239.0805% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.0930% | 2,882 |
| Noncurrent loans to loans | 0.1531% | 2,726 |
| Net loans and leases to total assets | 39.2500% | 4,068 |
| Net loans and leases to deposits | 45.2663% | 4,060 |
| Net loans and leases to core deposits | 45.3587% | 4,133 |
| Total domestic deposits to total assets | 86.7100% | 2,367 |
| Equity capital to assets | 11.0639% | 1,320 |
| Core capital (leverage) ratio | 11.2001% | 1,724 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $142,708,500 | 3,500 |
| Average earning assets | $135,793,000 | 3,450 |
| Average equity | $15,599,500 | 3,252 |
| Average total loans | $57,928,500 | 3,792 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5612% | 2,910 |
| Cost of funding earning assets | 0.0945% | 4,415 |
| Net interest margin | 3.4667% | 2,048 |
| Noninterest income to average assets | 1.0700% | 568 |
| Noninterest expense to average assets | 2.6678% | 1,634 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 1.3401% | 1,310 |
| Return on assets (ROA) | 1.3401% | 1,267 |
| Pretax return on assets | 1.6959% | 925 |
| Return on Equity (ROE) | 12.8000% | 1,878 |
| Retained earnings to average equity (ytd only) | 4.6072% | 3,206 |
| Net charge-offs to loans | 0.0096% | 2,015 |
| Credit loss provision to net charge-offs | 200.0000% | 1,118 |
| Earnings coverage of net charge-offs (x) | 492.0000% | 334 |
| Efficiency ratio | 61.0390% | 2,906 |
| Assets per employee ($millions) | 5.5156% | 3,199 |
| Cash dividends to net income (ytd only)* | 63.9979% | 828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8157% | 641 |
| Loan loss allowance to noncurrent loans | 2,436.3636% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 3,504 |
| Noncurrent loans to loans | 0.0745% | 3,229 |
| Net loans and leases to total assets | 40.4200% | 4,051 |
| Net loans and leases to deposits | 46.6348% | 4,026 |
| Net loans and leases to core deposits | 46.6348% | 4,096 |
| Total domestic deposits to total assets | 86.6800% | 2,504 |
| Equity capital to assets | 10.7994% | 1,338 |
| Core capital (leverage) ratio | 10.9792% | 1,825 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $144,462,200 | 3,497 |
| Average earning assets | $137,595,200 | 3,445 |
| Average equity | $15,128,600 | 3,358 |
| Average total loans | $52,264,800 | 3,858 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4291% | 2,836 |
| Cost of funding earning assets | 0.0880% | 4,363 |
| Net interest margin | 3.3412% | 2,166 |
| Noninterest income to average assets | 1.0700% | 603 |
| Noninterest expense to average assets | 2.7260% | 1,411 |
| Loan and lease loss provision to assets | 0.0100% | 2,534 |
| Net operating income to assets | 1.2170% | 1,646 |
| Return on assets (ROA) | 1.2170% | 1,618 |
| Pretax return on assets | 1.5155% | 1,373 |
| Return on Equity (ROE) | 11.7100% | 2,132 |
| Retained earnings to average equity (ytd only) | 3.2448% | 3,713 |
| Net charge-offs to loans | 0.0079% | 1,847 |
| Credit loss provision to net charge-offs | 333.3333% | 763 |
| Earnings coverage of net charge-offs (x) | 551.6667% | 287 |
| Efficiency ratio | 64.1309% | 2,534 |
| Assets per employee ($millions) | 6.2550% | 2,533 |
| Cash dividends to net income (ytd only)* | 72.2937% | 569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9738% | 524 |
| Loan loss allowance to noncurrent loans | 2,334.7826% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 3,600 |
| Noncurrent loans to loans | 0.0845% | 3,272 |
| Net loans and leases to total assets | 37.0800% | 4,181 |
| Net loans and leases to deposits | 42.5953% | 4,160 |
| Net loans and leases to core deposits | 42.5953% | 4,209 |
| Total domestic deposits to total assets | 87.0400% | 2,744 |
| Equity capital to assets | 10.5230% | 1,357 |
| Core capital (leverage) ratio | 10.5094% | 2,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $144,726,250 | 3,518 |
| Average earning assets | $137,951,750 | 3,462 |
| Average equity | $15,039,000 | 3,405 |
| Average total loans | $50,571,250 | 3,903 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1789% | 3,114 |
| Cost of funding earning assets | 0.0913% | 4,283 |
| Net interest margin | 3.0877% | 2,573 |
| Noninterest income to average assets | 1.0702% | 585 |
| Noninterest expense to average assets | 2.5805% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2054% | 1,405 |
| Return on assets (ROA) | 1.2054% | 1,390 |
| Pretax return on assets | 1.4288% | 1,363 |
| Return on Equity (ROE) | 11.6489% | 1,775 |
| Retained earnings to average equity (ytd only) | 2.7190% | 3,539 |
| Net charge-offs to loans | 0.0162% | 1,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 259.0000% | 452 |
| Efficiency ratio | 64.3619% | 2,720 |
| Assets per employee ($millions) | 5.2357% | 3,485 |
| Cash dividends to net income (ytd only)* | 76.6590% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0488% | 503 |
| Loan loss allowance to noncurrent loans | 2,415.9091% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 3,680 |
| Noncurrent loans to loans | 0.0848% | 3,357 |
| Net loans and leases to total assets | 34.6660% | 4,303 |
| Net loans and leases to deposits | 39.5610% | 4,281 |
| Net loans and leases to core deposits | 39.5610% | 4,333 |
| Total domestic deposits to total assets | 87.6268% | 2,722 |
| Equity capital to assets | 10.2047% | 1,585 |
| Core capital (leverage) ratio | 9.8813% | 2,535 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $145,013,000 | 3,553 |
| Average earning assets | $138,033,667 | 3,513 |
| Average equity | $15,005,667 | 3,488 |
| Average total loans | $49,290,333 | 3,971 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9228% | 3,473 |
| Cost of funding earning assets | 0.1049% | 4,071 |
| Net interest margin | 2.8179% | 3,086 |
| Noninterest income to average assets | 1.2065% | 482 |
| Noninterest expense to average assets | 2.5239% | 1,824 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.2093% | 1,228 |
| Return on assets (ROA) | 1.2093% | 1,213 |
| Pretax return on assets | 1.3646% | 1,343 |
| Return on Equity (ROE) | 11.6046% | 1,423 |
| Retained earnings to average equity (ytd only) | 2.5019% | 3,410 |
| Net charge-offs to loans | 0.0250% | 1,070 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 501 |
| Efficiency ratio | 64.9073% | 2,924 |
| Assets per employee ($millions) | 5.0305% | 3,728 |
| Cash dividends to net income (ytd only)* | 78.4404% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1542% | 477 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.0229% | 4,374 |
| Net loans and leases to deposits | 36.3192% | 4,373 |
| Net loans and leases to core deposits | 36.3192% | 4,419 |
| Total domestic deposits to total assets | 88.1707% | 2,447 |
| Equity capital to assets | 9.8308% | 2,025 |
| Core capital (leverage) ratio | 10.9161% | 1,563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $144,220,000 | 3,575 |
| Average earning assets | $137,264,500 | 3,532 |
| Average equity | $15,028,500 | 3,560 |
| Average total loans | $47,994,000 | 4,009 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1639% | 3,555 |
| Cost of funding earning assets | 0.0959% | 4,409 |
| Net interest margin | 3.0680% | 2,999 |
| Noninterest income to average assets | 1.4654% | 521 |
| Noninterest expense to average assets | 2.6754% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3881% | 1,316 |
| Return on assets (ROA) | 1.3881% | 1,371 |
| Pretax return on assets | 1.7092% | 1,124 |
| Return on Equity (ROE) | 12.7348% | 1,557 |
| Retained earnings to average equity (ytd only) | 3.3678% | 3,471 |
| Net charge-offs to loans | -0.0020% | 3,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0186% | 2,994 |
| Assets per employee ($millions) | 5.0936% | 3,652 |
| Cash dividends to net income (ytd only)* | 73.5542% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2877% | 390 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 33.1072% | 4,403 |
| Net loans and leases to deposits | 38.2315% | 4,388 |
| Net loans and leases to core deposits | 38.2315% | 4,452 |
| Total domestic deposits to total assets | 86.5967% | 2,670 |
| Equity capital to assets | 11.0677% | 1,753 |
| Core capital (leverage) ratio | 11.0304% | 1,552 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $137,024,400 | 3,609 |
| Average earning assets | $130,376,800 | 3,566 |
| Average equity | $14,935,400 | 3,643 |
| Average total loans | $49,847,000 | 3,999 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2186% | 3,573 |
| Cost of funding earning assets | 0.0983% | 4,519 |
| Net interest margin | 3.1204% | 2,999 |
| Noninterest income to average assets | 1.3693% | 631 |
| Noninterest expense to average assets | 2.6462% | 1,716 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3148% | 1,774 |
| Return on assets (ROA) | 1.3148% | 1,833 |
| Pretax return on assets | 1.6917% | 1,429 |
| Return on Equity (ROE) | 12.1095% | 2,007 |
| Retained earnings to average equity (ytd only) | 2.7000% | 4,000 |
| Net charge-offs to loans | -0.0026% | 3,269 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0013% | 2,833 |
| Assets per employee ($millions) | 5.2889% | 3,417 |
| Cash dividends to net income (ytd only)* | 77.7037% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1587% | 489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 35.1351% | 4,426 |
| Net loans and leases to deposits | 40.6709% | 4,427 |
| Net loans and leases to core deposits | 40.6709% | 4,490 |
| Total domestic deposits to total assets | 86.3888% | 2,603 |
| Equity capital to assets | 10.9278% | 2,066 |
| Core capital (leverage) ratio | 11.0765% | 1,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,899,000 | 3,650 |
| Average earning assets | $130,238,500 | 3,612 |
| Average equity | $14,864,000 | 3,697 |
| Average total loans | $50,659,500 | 4,038 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2541% | 3,550 |
| Cost of funding earning assets | 0.1047% | 4,547 |
| Net interest margin | 3.1494% | 2,893 |
| Noninterest income to average assets | 1.3739% | 626 |
| Noninterest expense to average assets | 2.6951% | 1,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2729% | 1,943 |
| Return on assets (ROA) | 1.2729% | 2,018 |
| Pretax return on assets | 1.6723% | 1,554 |
| Return on Equity (ROE) | 11.7491% | 2,150 |
| Retained earnings to average equity (ytd only) | 2.2958% | 4,050 |
| Net charge-offs to loans | -0.0078% | 3,582 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7085% | 2,772 |
| Assets per employee ($millions) | 5.2593% | 3,398 |
| Cash dividends to net income (ytd only)* | 80.4598% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0276% | 575 |
| Loan loss allowance to noncurrent loans | 3,948.1481% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0197% | 4,150 |
| Noncurrent loans to loans | 0.0514% | 3,923 |
| Net loans and leases to total assets | 37.6683% | 4,397 |
| Net loans and leases to deposits | 43.6871% | 4,395 |
| Net loans and leases to core deposits | 43.6871% | 4,464 |
| Total domestic deposits to total assets | 86.2229% | 2,657 |
| Equity capital to assets | 10.8936% | 2,073 |
| Core capital (leverage) ratio | 10.8176% | 1,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,694,667 | 3,669 |
| Average earning assets | $129,930,000 | 3,628 |
| Average equity | $14,809,667 | 3,702 |
| Average total loans | $51,085,667 | 4,057 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1443% | 3,792 |
| Cost of funding earning assets | 0.0983% | 4,657 |
| Net interest margin | 3.0460% | 3,143 |
| Noninterest income to average assets | 1.3317% | 732 |
| Noninterest expense to average assets | 2.6458% | 1,753 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2614% | 1,940 |
| Return on assets (ROA) | 1.2614% | 2,018 |
| Pretax return on assets | 1.5892% | 1,760 |
| Return on Equity (ROE) | 11.6751% | 2,137 |
| Retained earnings to average equity (ytd only) | 2.1942% | 3,967 |
| Net charge-offs to loans | -0.0079% | 3,576 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4741% | 2,676 |
| Assets per employee ($millions) | 5.2186% | 3,412 |
| Cash dividends to net income (ytd only)* | 81.2065% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0555% | 537 |
| Loan loss allowance to noncurrent loans | 3,672.4138% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0206% | 4,227 |
| Noncurrent loans to loans | 0.0560% | 4,007 |
| Net loans and leases to total assets | 36.0168% | 4,499 |
| Net loans and leases to deposits | 41.3783% | 4,522 |
| Net loans and leases to core deposits | 41.3783% | 4,580 |
| Total domestic deposits to total assets | 87.0427% | 2,298 |
| Equity capital to assets | 10.5088% | 2,265 |
| Core capital (leverage) ratio | 10.7436% | 1,903 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,671,500 | 3,674 |
| Average earning assets | $130,269,500 | 3,631 |
| Average equity | $14,766,500 | 3,710 |
| Average total loans | $50,341,500 | 4,097 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 2,794 |
| Cost of funding earning assets | 0.1539% | 4,718 |
| Net interest margin | 3.8246% | 1,438 |
| Noninterest income to average assets | 1.2658% | 707 |
| Noninterest expense to average assets | 3.0324% | 1,371 |
| Loan and lease loss provision to assets | 0.0971% | 3,129 |
| Net operating income to assets | 1.5222% | 763 |
| Return on assets (ROA) | 1.5222% | 828 |
| Pretax return on assets | 1.7544% | 758 |
| Return on Equity (ROE) | 12.8872% | 1,071 |
| Retained earnings to average equity (ytd only) | 2.7254% | 3,498 |
| Net charge-offs to loans | -0.0020% | 3,984 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,417 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0901% | 3,114 |
| Assets per employee ($millions) | 4.7301% | 3,690 |
| Cash dividends to net income (ytd only)* | 78.8523% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1772% | 430 |
| Loan loss allowance to noncurrent loans | 958.5586% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 3,910 |
| Noncurrent loans to loans | 0.2271% | 3,391 |
| Net loans and leases to total assets | 36.0958% | 4,588 |
| Net loans and leases to deposits | 41.7334% | 4,604 |
| Net loans and leases to core deposits | 41.7334% | 4,657 |
| Total domestic deposits to total assets | 86.4914% | 2,153 |
| Equity capital to assets | 11.1188% | 2,162 |
| Core capital (leverage) ratio | 11.3129% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,633,000 | 3,703 |
| Average earning assets | $116,953,200 | 3,664 |
| Average equity | $14,603,600 | 3,685 |
| Average total loans | $50,136,400 | 4,107 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2069% | 2,380 |
| Cost of funding earning assets | 0.1754% | 4,740 |
| Net interest margin | 4.0314% | 1,048 |
| Noninterest income to average assets | 1.0848% | 882 |
| Noninterest expense to average assets | 3.0546% | 1,329 |
| Loan and lease loss provision to assets | 0.0988% | 3,092 |
| Net operating income to assets | 1.5174% | 874 |
| Return on assets (ROA) | 1.5174% | 949 |
| Pretax return on assets | 1.7414% | 887 |
| Return on Equity (ROE) | 12.6441% | 1,204 |
| Retained earnings to average equity (ytd only) | 4.8216% | 2,640 |
| Net charge-offs to loans | -0.0026% | 3,926 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,331 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4047% | 3,009 |
| Assets per employee ($millions) | 4.5299% | 3,809 |
| Cash dividends to net income (ytd only)* | 61.8669% | 1,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9938% | 498 |
| Loan loss allowance to noncurrent loans | 966.3551% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.0844% | 4,011 |
| Noncurrent loans to loans | 0.2063% | 3,557 |
| Net loans and leases to total assets | 40.0732% | 4,565 |
| Net loans and leases to deposits | 46.8750% | 4,579 |
| Net loans and leases to core deposits | 46.8750% | 4,649 |
| Total domestic deposits to total assets | 85.4894% | 2,250 |
| Equity capital to assets | 11.7118% | 1,868 |
| Core capital (leverage) ratio | 11.7149% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,430,750 | 3,720 |
| Average earning assets | $114,761,500 | 3,682 |
| Average equity | $14,573,000 | 3,692 |
| Average total loans | $50,453,000 | 4,126 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2021% | 2,755 |
| Cost of funding earning assets | 0.2140% | 4,723 |
| Net interest margin | 3.9882% | 1,356 |
| Noninterest income to average assets | 1.2054% | 688 |
| Noninterest expense to average assets | 3.2501% | 1,076 |
| Loan and lease loss provision to assets | 0.0502% | 3,676 |
| Net operating income to assets | 1.4762% | 964 |
| Return on assets (ROA) | 1.4762% | 1,051 |
| Pretax return on assets | 1.6752% | 1,042 |
| Return on Equity (ROE) | 12.1970% | 1,285 |
| Retained earnings to average equity (ytd only) | 4.3235% | 2,772 |
| Net charge-offs to loans | -0.0040% | 3,948 |
| Credit loss provision to net charge-offs | -3,000.0000% | 3,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3226% | 2,616 |
| Assets per employee ($millions) | 4.7111% | 3,518 |
| Cash dividends to net income (ytd only)* | 64.5527% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9146% | 517 |
| Loan loss allowance to noncurrent loans | 1,570.9677% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 4,287 |
| Noncurrent loans to loans | 0.1219% | 3,965 |
| Net loans and leases to total assets | 39.2280% | 4,637 |
| Net loans and leases to deposits | 45.6465% | 4,660 |
| Net loans and leases to core deposits | 45.6465% | 4,717 |
| Total domestic deposits to total assets | 85.9387% | 2,035 |
| Equity capital to assets | 11.5094% | 1,966 |
| Core capital (leverage) ratio | 11.7224% | 1,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,628,333 | 3,726 |
| Average earning assets | $113,085,000 | 3,688 |
| Average equity | $14,479,000 | 3,709 |
| Average total loans | $49,983,333 | 4,143 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4809% | 2,365 |
| Cost of funding earning assets | 0.3323% | 4,569 |
| Net interest margin | 4.1486% | 1,027 |
| Noninterest income to average assets | 1.2534% | 558 |
| Noninterest expense to average assets | 3.4944% | 947 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4779% | 824 |
| Return on assets (ROA) | 1.4779% | 899 |
| Pretax return on assets | 1.6816% | 885 |
| Return on Equity (ROE) | 11.8901% | 1,129 |
| Retained earnings to average equity (ytd only) | 3.9449% | 2,703 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5117% | 2,742 |
| Assets per employee ($millions) | 4.3666% | 3,452 |
| Cash dividends to net income (ytd only)* | 66.8224% | 1,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9048% | 598 |
| Loan loss allowance to noncurrent loans | 3,143.3333% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0254% | 4,494 |
| Noncurrent loans to loans | 0.0606% | 4,303 |
| Net loans and leases to total assets | 41.1915% | 4,622 |
| Net loans and leases to deposits | 48.2614% | 4,649 |
| Net loans and leases to core deposits | 48.2614% | 4,719 |
| Total domestic deposits to total assets | 85.3509% | 2,266 |
| Equity capital to assets | 12.2733% | 1,867 |
| Core capital (leverage) ratio | 12.3596% | 1,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0645% | 861 |
| Memoranda: | ||
| Average total assets | $115,842,500 | 3,765 |
| Average earning assets | $109,530,500 | 3,717 |
| Average equity | $14,398,500 | 3,726 |
| Average total loans | $49,539,000 | 4,159 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5279% | 2,849 |
| Cost of funding earning assets | 0.3723% | 4,534 |
| Net interest margin | 4.1556% | 1,411 |
| Noninterest income to average assets | 1.1388% | 722 |
| Noninterest expense to average assets | 2.7628% | 2,712 |
| Loan and lease loss provision to assets | 0.0974% | 2,099 |
| Net operating income to assets | 1.6116% | 814 |
| Return on assets (ROA) | 1.6116% | 873 |
| Pretax return on assets | 2.2023% | 384 |
| Return on Equity (ROE) | 13.1573% | 1,127 |
| Retained earnings to average equity (ytd only) | 6.9835% | 1,397 |
| Net charge-offs to loans | 0.1937% | 1,045 |
| Credit loss provision to net charge-offs | 115.7895% | 2,179 |
| Earnings coverage of net charge-offs (x) | 27.3368% | 1,669 |
| Efficiency ratio | 54.5741% | 4,366 |
| Assets per employee ($millions) | 4.2143% | 3,617 |
| Cash dividends to net income (ytd only)* | 46.9231% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9023% | 548 |
| Loan loss allowance to noncurrent loans | 2,357.5000% | 282 |
| Noncurrent assets plus other real estate owned to assets | 0.0352% | 4,470 |
| Noncurrent loans to loans | 0.0807% | 4,199 |
| Net loans and leases to total assets | 42.7360% | 4,651 |
| Net loans and leases to deposits | 50.4487% | 4,671 |
| Net loans and leases to core deposits | 50.4487% | 4,748 |
| Total domestic deposits to total assets | 84.7118% | 2,603 |
| Equity capital to assets | 12.5911% | 1,773 |
| Core capital (leverage) ratio | 12.5791% | 1,444 |
| Tier 1 risk-based capital ratio | 24.0188% | 827 |
| Total risk-based capital ratio | 25.2728% | 805 |
| Memoranda: | ||
| Average total assets | $112,928,200 | 3,791 |
| Average earning assets | $106,628,000 | 3,768 |
| Average equity | $13,832,600 | 3,775 |
| Average total loans | $49,055,200 | 4,202 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5410% | 2,920 |
| Cost of funding earning assets | 0.3643% | 4,617 |
| Net interest margin | 4.1767% | 1,426 |
| Noninterest income to average assets | 1.1072% | 744 |
| Noninterest expense to average assets | 2.7408% | 2,746 |
| Loan and lease loss provision to assets | 0.1301% | 1,486 |
| Net operating income to assets | 1.5721% | 989 |
| Return on assets (ROA) | 1.5721% | 1,046 |
| Pretax return on assets | 2.1825% | 467 |
| Return on Equity (ROE) | 12.9255% | 1,307 |
| Retained earnings to average equity (ytd only) | 7.0901% | 1,823 |
| Net charge-offs to loans | 0.0109% | 2,976 |
| Credit loss provision to net charge-offs | 2,750.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 489.0432% | 204 |
| Efficiency ratio | 54.2369% | 4,368 |
| Assets per employee ($millions) | 4.1989% | 3,614 |
| Cash dividends to net income (ytd only)* | 45.1466% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0261% | 439 |
| Loan loss allowance to noncurrent loans | 743.8849% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 4,117 |
| Noncurrent loans to loans | 0.2724% | 3,566 |
| Net loans and leases to total assets | 44.1030% | 4,687 |
| Net loans and leases to deposits | 51.8731% | 4,713 |
| Net loans and leases to core deposits | 51.8731% | 4,799 |
| Total domestic deposits to total assets | 85.0209% | 2,415 |
| Equity capital to assets | 12.4282% | 1,967 |
| Core capital (leverage) ratio | 12.4999% | 1,568 |
| Tier 1 risk-based capital ratio | 23.6314% | 880 |
| Total risk-based capital ratio | 24.8876% | 865 |
| Memoranda: | ||
| Average total assets | $112,713,500 | 3,835 |
| Average earning assets | $106,493,500 | 3,813 |
| Average equity | $13,709,000 | 3,831 |
| Average total loans | $48,926,250 | 4,257 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4694% | 3,109 |
| Cost of funding earning assets | 0.3463% | 4,694 |
| Net interest margin | 4.1231% | 1,541 |
| Noninterest income to average assets | 0.9974% | 875 |
| Noninterest expense to average assets | 2.7646% | 2,705 |
| Loan and lease loss provision to assets | 0.0800% | 2,232 |
| Net operating income to assets | 1.5094% | 1,124 |
| Return on assets (ROA) | 1.5094% | 1,175 |
| Pretax return on assets | 2.0481% | 621 |
| Return on Equity (ROE) | 12.5018% | 1,411 |
| Retained earnings to average equity (ytd only) | 6.6117% | 1,998 |
| Net charge-offs to loans | 0.0207% | 2,443 |
| Credit loss provision to net charge-offs | 900.0000% | 375 |
| Earnings coverage of net charge-offs (x) | 239.4000% | 338 |
| Efficiency ratio | 56.5044% | 4,190 |
| Assets per employee ($millions) | 4.1737% | 3,614 |
| Cash dividends to net income (ytd only)* | 47.1143% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9190% | 544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 3,874 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 43.9027% | 4,735 |
| Net loans and leases to deposits | 51.6333% | 4,753 |
| Net loans and leases to core deposits | 51.6333% | 4,826 |
| Total domestic deposits to total assets | 85.0280% | 2,460 |
| Equity capital to assets | 12.2557% | 2,017 |
| Core capital (leverage) ratio | 12.2092% | 1,697 |
| Tier 1 risk-based capital ratio | 25.1782% | 742 |
| Total risk-based capital ratio | 26.4343% | 725 |
| Memoranda: | ||
| Average total assets | $112,494,330 | 3,864 |
| Average earning assets | $106,278,670 | 3,835 |
| Average equity | $13,582,000 | 3,848 |
| Average total loans | $48,223,670 | 4,297 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3306% | 3,464 |
| Cost of funding earning assets | 0.2937% | 4,870 |
| Net interest margin | 4.0368% | 1,724 |
| Noninterest income to average assets | 1.0890% | 678 |
| Noninterest expense to average assets | 2.9004% | 2,279 |
| Loan and lease loss provision to assets | 0.0890% | 1,932 |
| Net operating income to assets | 1.4734% | 1,170 |
| Return on assets (ROA) | 1.4734% | 1,195 |
| Pretax return on assets | 1.9147% | 767 |
| Return on Equity (ROE) | 12.2963% | 1,439 |
| Retained earnings to average equity (ytd only) | 6.3263% | 2,307 |
| Net charge-offs to loans | -0.0255% | 4,585 |
| Credit loss provision to net charge-offs | -833.3333% | 3,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1437% | 3,932 |
| Assets per employee ($millions) | 4.3712% | 3,376 |
| Cash dividends to net income (ytd only)* | 48.5507% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0412% | 461 |
| Loan loss allowance to noncurrent loans | 11,950.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.1830% | 3,901 |
| Noncurrent loans to loans | 0.0171% | 4,706 |
| Net loans and leases to total assets | 40.3696% | 4,879 |
| Net loans and leases to deposits | 47.0980% | 4,893 |
| Net loans and leases to core deposits | 47.0980% | 4,956 |
| Total domestic deposits to total assets | 85.7140% | 2,401 |
| Equity capital to assets | 11.9437% | 2,056 |
| Core capital (leverage) ratio | 12.0910% | 1,718 |
| Tier 1 risk-based capital ratio | 26.0843% | 681 |
| Total risk-based capital ratio | 27.3410% | 668 |
| Memoranda: | ||
| Average total assets | $112,396,500 | 3,900 |
| Average earning assets | $106,221,500 | 3,879 |
| Average equity | $13,467,500 | 3,879 |
| Average total loans | $47,114,500 | 4,364 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3464% | 2,939 |
| Cost of funding earning assets | 0.2750% | 4,679 |
| Net interest margin | 4.0714% | 1,765 |
| Noninterest income to average assets | 1.0890% | 784 |
| Noninterest expense to average assets | 2.7837% | 2,740 |
| Loan and lease loss provision to assets | 0.1824% | 1,067 |
| Net operating income to assets | 1.3380% | 1,661 |
| Return on assets (ROA) | 1.3380% | 1,648 |
| Pretax return on assets | 1.9582% | 614 |
| Return on Equity (ROE) | 11.2721% | 1,981 |
| Retained earnings to average equity (ytd only) | 5.1251% | 2,703 |
| Net charge-offs to loans | 0.0635% | 2,210 |
| Credit loss provision to net charge-offs | 666.6667% | 520 |
| Earnings coverage of net charge-offs (x) | 78.2333% | 867 |
| Efficiency ratio | 56.5290% | 4,342 |
| Assets per employee ($millions) | 4.2747% | 3,501 |
| Cash dividends to net income (ytd only)* | 54.5331% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9581% | 510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2231% | 3,711 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 41.8065% | 4,885 |
| Net loans and leases to deposits | 48.7264% | 4,917 |
| Net loans and leases to core deposits | 48.7264% | 4,973 |
| Total domestic deposits to total assets | 85.7985% | 2,326 |
| Equity capital to assets | 12.0214% | 1,881 |
| Core capital (leverage) ratio | 11.8388% | 1,840 |
| Tier 1 risk-based capital ratio | 24.3823% | 790 |
| Total risk-based capital ratio | 25.6378% | 770 |
| Memoranda: | ||
| Average total assets | $109,640,200 | 3,949 |
| Average earning assets | $103,280,200 | 3,927 |
| Average equity | $13,014,400 | 3,878 |
| Average total loans | $47,246,600 | 4,368 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3047% | 2,949 |
| Cost of funding earning assets | 0.2656% | 4,701 |
| Net interest margin | 4.0391% | 1,827 |
| Noninterest income to average assets | 1.0970% | 782 |
| Noninterest expense to average assets | 2.8017% | 2,625 |
| Loan and lease loss provision to assets | 0.1769% | 1,035 |
| Net operating income to assets | 1.3191% | 1,778 |
| Return on assets (ROA) | 1.3191% | 1,788 |
| Pretax return on assets | 1.9219% | 782 |
| Return on Equity (ROE) | 11.1489% | 2,116 |
| Retained earnings to average equity (ytd only) | 4.9608% | 3,259 |
| Net charge-offs to loans | -0.0085% | 4,352 |
| Credit loss provision to net charge-offs | -4,833.3333% | 4,848 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1713% | 4,229 |
| Assets per employee ($millions) | 4.1384% | 3,673 |
| Cash dividends to net income (ytd only)* | 55.5041% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 701 |
| Loan loss allowance to noncurrent loans | 816.2162% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 3,262 |
| Noncurrent loans to loans | 0.2224% | 3,915 |
| Net loans and leases to total assets | 43.8605% | 4,886 |
| Net loans and leases to deposits | 51.1603% | 4,911 |
| Net loans and leases to core deposits | 51.2947% | 4,985 |
| Total domestic deposits to total assets | 85.7315% | 2,310 |
| Equity capital to assets | 11.7912% | 2,037 |
| Core capital (leverage) ratio | 11.8016% | 1,912 |
| Tier 1 risk-based capital ratio | 19.5510% | 1,426 |
| Total risk-based capital ratio | 20.8019% | 1,392 |
| Memoranda: | ||
| Average total assets | $109,264,500 | 3,993 |
| Average earning assets | $102,891,750 | 3,973 |
| Average equity | $12,927,750 | 3,922 |
| Average total loans | $47,210,000 | 4,414 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2722% | 2,863 |
| Cost of funding earning assets | 0.2491% | 4,750 |
| Net interest margin | 4.0231% | 1,782 |
| Noninterest income to average assets | 1.0199% | 923 |
| Noninterest expense to average assets | 2.7425% | 2,870 |
| Loan and lease loss provision to assets | 0.1383% | 1,413 |
| Net operating income to assets | 1.2984% | 1,780 |
| Return on assets (ROA) | 1.2984% | 1,771 |
| Pretax return on assets | 1.9218% | 731 |
| Return on Equity (ROE) | 10.9612% | 2,130 |
| Retained earnings to average equity (ytd only) | 4.7332% | 3,218 |
| Net charge-offs to loans | -0.0043% | 4,066 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,786 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1045% | 4,346 |
| Assets per employee ($millions) | 4.0310% | 3,843 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7233% | 864 |
| Loan loss allowance to noncurrent loans | 992.8571% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.3050% | 3,543 |
| Noncurrent loans to loans | 0.1736% | 4,125 |
| Net loans and leases to total assets | 43.6998% | 4,920 |
| Net loans and leases to deposits | 50.9022% | 4,949 |
| Net loans and leases to core deposits | 51.0393% | 5,017 |
| Total domestic deposits to total assets | 85.8505% | 2,342 |
| Equity capital to assets | 11.9425% | 1,890 |
| Core capital (leverage) ratio | 11.8610% | 1,796 |
| Tier 1 risk-based capital ratio | 22.4448% | 989 |
| Total risk-based capital ratio | 23.6967% | 972 |
| Memoranda: | ||
| Average total assets | $108,440,670 | 4,043 |
| Average earning assets | $101,962,330 | 4,016 |
| Average equity | $12,845,330 | 3,948 |
| Average total loans | $46,308,670 | 4,478 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3967% | 2,203 |
| Cost of funding earning assets | 0.2079% | 4,970 |
| Net interest margin | 4.1889% | 1,198 |
| Noninterest income to average assets | 0.6467% | 2,045 |
| Noninterest expense to average assets | 2.7161% | 2,988 |
| Loan and lease loss provision to assets | 0.1478% | 1,233 |
| Net operating income to assets | 1.2934% | 1,664 |
| Return on assets (ROA) | 1.2934% | 1,668 |
| Pretax return on assets | 1.7295% | 1,045 |
| Return on Equity (ROE) | 10.9641% | 1,989 |
| Retained earnings to average equity (ytd only) | 4.6989% | 3,310 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1311% | 4,193 |
| Assets per employee ($millions) | 4.0471% | 3,899 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 913 |
| Loan loss allowance to noncurrent loans | 354.6667% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 3,799 |
| Noncurrent loans to loans | 0.4847% | 3,065 |
| Net loans and leases to total assets | 41.7468% | 4,989 |
| Net loans and leases to deposits | 48.3739% | 5,027 |
| Net loans and leases to core deposits | 48.5024% | 5,087 |
| Total domestic deposits to total assets | 86.3004% | 2,402 |
| Equity capital to assets | 11.7540% | 1,948 |
| Core capital (leverage) ratio | 11.8886% | 1,723 |
| Tier 1 risk-based capital ratio | 25.1340% | 745 |
| Total risk-based capital ratio | 26.3864% | 730 |
| Memoranda: | ||
| Average total assets | $108,242,000 | 4,096 |
| Average earning assets | $101,985,000 | 4,062 |
| Average equity | $12,769,000 | 3,999 |
| Average total loans | $45,265,000 | 4,556 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 2,913 |
| Cost of funding earning assets | 0.1984% | 4,962 |
| Net interest margin | 3.9423% | 1,947 |
| Noninterest income to average assets | 0.8130% | 1,521 |
| Noninterest expense to average assets | 2.7634% | 2,911 |
| Loan and lease loss provision to assets | 0.1022% | 2,180 |
| Net operating income to assets | 1.2563% | 1,341 |
| Return on assets (ROA) | 1.2563% | 1,367 |
| Pretax return on assets | 1.6410% | 1,189 |
| Return on Equity (ROE) | 10.8913% | 1,529 |
| Retained earnings to average equity (ytd only) | 4.4467% | 2,486 |
| Net charge-offs to loans | 0.2189% | 1,186 |
| Credit loss provision to net charge-offs | 120.8791% | 2,160 |
| Earnings coverage of net charge-offs (x) | 20.6154% | 1,958 |
| Efficiency ratio | 61.3196% | 4,046 |
| Assets per employee ($millions) | 4.1235% | 3,776 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7183% | 908 |
| Loan loss allowance to noncurrent loans | 336.8889% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 3,800 |
| Noncurrent loans to loans | 0.5100% | 2,985 |
| Net loans and leases to total assets | 40.4399% | 5,120 |
| Net loans and leases to deposits | 47.0754% | 5,162 |
| Net loans and leases to core deposits | 47.2036% | 5,216 |
| Total domestic deposits to total assets | 85.9044% | 2,484 |
| Equity capital to assets | 11.8402% | 1,953 |
| Core capital (leverage) ratio | 11.6473% | 1,833 |
| Tier 1 risk-based capital ratio | 24.5679% | 764 |
| Total risk-based capital ratio | 25.8201% | 743 |
| Memoranda: | ||
| Average total assets | $107,620,200 | 4,106 |
| Average earning assets | $100,828,600 | 4,084 |
| Average equity | $12,413,600 | 4,069 |
| Average total loans | $41,563,600 | 4,678 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0786% | 3,057 |
| Cost of funding earning assets | 0.1970% | 5,001 |
| Net interest margin | 3.8816% | 2,101 |
| Noninterest income to average assets | 0.8268% | 1,486 |
| Noninterest expense to average assets | 2.8059% | 2,704 |
| Loan and lease loss provision to assets | 0.1052% | 2,010 |
| Net operating income to assets | 1.2439% | 1,536 |
| Return on assets (ROA) | 1.2439% | 1,558 |
| Pretax return on assets | 1.5496% | 1,581 |
| Return on Equity (ROE) | 10.8557% | 1,754 |
| Retained earnings to average equity (ytd only) | 4.3747% | 3,295 |
| Net charge-offs to loans | 0.1531% | 1,326 |
| Credit loss provision to net charge-offs | 180.8511% | 1,464 |
| Earnings coverage of net charge-offs (x) | 28.4446% | 1,605 |
| Efficiency ratio | 62.9023% | 3,732 |
| Assets per employee ($millions) | 4.1914% | 3,669 |
| Cash dividends to net income (ytd only)* | 59.7013% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8292% | 805 |
| Loan loss allowance to noncurrent loans | 281.5217% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.3836% | 3,493 |
| Noncurrent loans to loans | 0.6497% | 2,762 |
| Net loans and leases to total assets | 38.2659% | 5,255 |
| Net loans and leases to deposits | 44.2606% | 5,306 |
| Net loans and leases to core deposits | 44.3788% | 5,357 |
| Total domestic deposits to total assets | 86.4559% | 2,114 |
| Equity capital to assets | 11.5134% | 2,355 |
| Core capital (leverage) ratio | 11.5721% | 1,967 |
| Tier 1 risk-based capital ratio | 25.1322% | 737 |
| Total risk-based capital ratio | 26.3861% | 719 |
| Memoranda: | ||
| Average total assets | $107,722,500 | 4,146 |
| Average earning assets | $100,848,500 | 4,122 |
| Average equity | $12,343,500 | 4,117 |
| Average total loans | $40,926,000 | 4,747 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,055 |
| Cost of funding earning assets | 0.1953% | 5,029 |
| Net interest margin | 3.8423% | 2,121 |
| Noninterest income to average assets | 0.7772% | 1,655 |
| Noninterest expense to average assets | 2.7902% | 2,800 |
| Loan and lease loss provision to assets | 0.0652% | 2,667 |
| Net operating income to assets | 1.2432% | 1,463 |
| Return on assets (ROA) | 1.2432% | 1,491 |
| Pretax return on assets | 1.5153% | 1,584 |
| Return on Equity (ROE) | 10.8670% | 1,692 |
| Retained earnings to average equity (ytd only) | 4.3501% | 3,115 |
| Net charge-offs to loans | 0.1237% | 1,419 |
| Credit loss provision to net charge-offs | 140.0000% | 1,597 |
| Earnings coverage of net charge-offs (x) | 33.9200% | 1,378 |
| Efficiency ratio | 63.8380% | 3,696 |
| Assets per employee ($millions) | 4.4518% | 3,191 |
| Cash dividends to net income (ytd only)* | 59.9700% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8134% | 861 |
| Loan loss allowance to noncurrent loans | 589.7638% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.2508% | 4,122 |
| Noncurrent loans to loans | 0.3075% | 3,939 |
| Net loans and leases to total assets | 37.9563% | 5,306 |
| Net loans and leases to deposits | 44.0431% | 5,339 |
| Net loans and leases to core deposits | 44.1630% | 5,393 |
| Total domestic deposits to total assets | 86.1799% | 2,296 |
| Equity capital to assets | 11.6141% | 2,220 |
| Core capital (leverage) ratio | 11.6264% | 1,882 |
| Tier 1 risk-based capital ratio | 25.2971% | 724 |
| Total risk-based capital ratio | 26.5509% | 707 |
| Memoranda: | ||
| Average total assets | $107,304,330 | 4,179 |
| Average earning assets | $100,357,330 | 4,158 |
| Average equity | $12,275,670 | 4,145 |
| Average total loans | $40,408,670 | 4,794 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 2,929 |
| Cost of funding earning assets | 0.1794% | 5,158 |
| Net interest margin | 3.8508% | 1,951 |
| Noninterest income to average assets | 0.7030% | 1,954 |
| Noninterest expense to average assets | 2.7414% | 2,984 |
| Loan and lease loss provision to assets | 0.0558% | 2,689 |
| Net operating income to assets | 1.2387% | 1,409 |
| Return on assets (ROA) | 1.2387% | 1,445 |
| Pretax return on assets | 1.4991% | 1,531 |
| Return on Equity (ROE) | 10.9100% | 1,599 |
| Retained earnings to average equity (ytd only) | 4.3574% | 3,240 |
| Net charge-offs to loans | 0.1602% | 1,015 |
| Credit loss provision to net charge-offs | 93.7500% | 1,664 |
| Earnings coverage of net charge-offs (x) | 26.1250% | 1,320 |
| Efficiency ratio | 63.8095% | 3,866 |
| Assets per employee ($millions) | 4.5190% | 3,142 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8522% | 867 |
| Loan loss allowance to noncurrent loans | 508.9655% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.2241% | 4,324 |
| Noncurrent loans to loans | 0.3639% | 3,784 |
| Net loans and leases to total assets | 36.0570% | 5,397 |
| Net loans and leases to deposits | 41.5407% | 5,426 |
| Net loans and leases to core deposits | 41.7817% | 5,477 |
| Total domestic deposits to total assets | 86.7993% | 2,312 |
| Equity capital to assets | 11.3189% | 2,334 |
| Core capital (leverage) ratio | 11.4803% | 1,964 |
| Tier 1 risk-based capital ratio | 25.5043% | 732 |
| Total risk-based capital ratio | 26.7571% | 710 |
| Memoranda: | ||
| Average total assets | $107,534,500 | 4,215 |
| Average earning assets | $100,342,000 | 4,198 |
| Average equity | $12,209,000 | 4,184 |
| Average total loans | $39,961,500 | 4,852 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9559% | 3,357 |
| Cost of funding earning assets | 0.1932% | 5,088 |
| Net interest margin | 3.7628% | 2,458 |
| Noninterest income to average assets | 0.7067% | 2,148 |
| Noninterest expense to average assets | 2.7102% | 3,316 |
| Loan and lease loss provision to assets | 0.0373% | 3,623 |
| Net operating income to assets | 1.2053% | 1,492 |
| Return on assets (ROA) | 1.2053% | 1,575 |
| Pretax return on assets | 1.4685% | 1,688 |
| Return on Equity (ROE) | 10.8557% | 1,636 |
| Retained earnings to average equity (ytd only) | 4.1287% | 2,967 |
| Net charge-offs to loans | 0.0250% | 3,544 |
| Credit loss provision to net charge-offs | 400.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 161.3000% | 404 |
| Efficiency ratio | 64.2826% | 3,888 |
| Assets per employee ($millions) | 4.4422% | 3,203 |
| Cash dividends to net income (ytd only)* | 61.9675% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8414% | 886 |
| Loan loss allowance to noncurrent loans | 238.0645% | 1,972 |
| Noncurrent assets plus other real estate owned to assets | 0.3827% | 3,739 |
| Noncurrent loans to loans | 0.7735% | 2,590 |
| Net loans and leases to total assets | 36.9008% | 5,455 |
| Net loans and leases to deposits | 42.6757% | 5,471 |
| Net loans and leases to core deposits | 42.8113% | 5,524 |
| Total domestic deposits to total assets | 86.4679% | 2,387 |
| Equity capital to assets | 11.3889% | 2,254 |
| Core capital (leverage) ratio | 11.2435% | 2,130 |
| Tier 1 risk-based capital ratio | 25.1127% | 764 |
| Total risk-based capital ratio | 26.3661% | 743 |
| Memoranda: | ||
| Average total assets | $107,113,600 | 4,221 |
| Average earning assets | $99,900,200 | 4,204 |
| Average equity | $11,892,400 | 4,264 |
| Average total loans | $40,019,800 | 4,882 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9876% | 3,268 |
| Cost of funding earning assets | 0.1952% | 5,121 |
| Net interest margin | 3.7924% | 2,357 |
| Noninterest income to average assets | 0.6863% | 2,232 |
| Noninterest expense to average assets | 2.7315% | 3,250 |
| Loan and lease loss provision to assets | 0.0373% | 3,498 |
| Net operating income to assets | 1.2023% | 1,645 |
| Return on assets (ROA) | 1.2023% | 1,732 |
| Pretax return on assets | 1.4447% | 1,900 |
| Return on Equity (ROE) | 10.8986% | 1,707 |
| Retained earnings to average equity (ytd only) | 4.1250% | 3,373 |
| Net charge-offs to loans | 0.0067% | 3,680 |
| Credit loss provision to net charge-offs | 1,500.0000% | 305 |
| Earnings coverage of net charge-offs (x) | 595.2397% | 152 |
| Efficiency ratio | 64.8274% | 3,786 |
| Assets per employee ($millions) | 4.3030% | 3,412 |
| Cash dividends to net income (ytd only)* | 62.1508% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8735% | 891 |
| Loan loss allowance to noncurrent loans | 721.5686% | 789 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,666 |
| Noncurrent loans to loans | 0.2596% | 4,334 |
| Net loans and leases to total assets | 35.8333% | 5,558 |
| Net loans and leases to deposits | 41.2384% | 5,604 |
| Net loans and leases to core deposits | 41.8300% | 5,636 |
| Total domestic deposits to total assets | 86.8930% | 1,934 |
| Equity capital to assets | 11.1707% | 2,826 |
| Core capital (leverage) ratio | 11.3164% | 2,179 |
| Tier 1 risk-based capital ratio | 25.4511% | 764 |
| Total risk-based capital ratio | 26.7049% | 747 |
| Memoranda: | ||
| Average total assets | $107,238,750 | 4,257 |
| Average earning assets | $99,740,750 | 4,244 |
| Average equity | $11,830,000 | 4,315 |
| Average total loans | $40,005,000 | 4,922 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 3,188 |
| Cost of funding earning assets | 0.1994% | 5,151 |
| Net interest margin | 3.8155% | 2,251 |
| Noninterest income to average assets | 0.5900% | 2,671 |
| Noninterest expense to average assets | 2.7183% | 3,324 |
| Loan and lease loss provision to assets | 0.0373% | 3,411 |
| Net operating income to assets | 1.1874% | 1,653 |
| Return on assets (ROA) | 1.1874% | 1,746 |
| Pretax return on assets | 1.3703% | 2,130 |
| Return on Equity (ROE) | 10.8093% | 1,718 |
| Retained earnings to average equity (ytd only) | 4.0110% | 3,352 |
| Net charge-offs to loans | 0.0050% | 3,526 |
| Credit loss provision to net charge-offs | 2,000.0000% | 203 |
| Earnings coverage of net charge-offs (x) | 754.0000% | 75 |
| Efficiency ratio | 65.8824% | 3,695 |
| Assets per employee ($millions) | 4.6753% | 2,757 |
| Cash dividends to net income (ytd only)* | 62.8931% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7665% | 1,142 |
| Loan loss allowance to noncurrent loans | 712.7451% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 4,214 |
| Noncurrent loans to loans | 0.2478% | 4,464 |
| Net loans and leases to total assets | 37.5950% | 5,536 |
| Net loans and leases to deposits | 43.1871% | 5,587 |
| Net loans and leases to core deposits | 43.9242% | 5,630 |
| Total domestic deposits to total assets | 87.0514% | 1,894 |
| Equity capital to assets | 11.0543% | 3,000 |
| Core capital (leverage) ratio | 11.1171% | 2,310 |
| Tier 1 risk-based capital ratio | 23.9488% | 910 |
| Total risk-based capital ratio | 25.2000% | 892 |
| Memoranda: | ||
| Average total assets | $107,126,330 | 4,285 |
| Average earning assets | $99,278,000 | 4,284 |
| Average equity | $11,767,670 | 4,357 |
| Average total loans | $40,245,330 | 4,962 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9056% | 3,575 |
| Cost of funding earning assets | 0.2074% | 5,131 |
| Net interest margin | 3.6982% | 2,676 |
| Noninterest income to average assets | 0.5499% | 2,805 |
| Noninterest expense to average assets | 2.6973% | 3,428 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1784% | 1,622 |
| Return on assets (ROA) | 1.1784% | 1,724 |
| Pretax return on assets | 1.3206% | 2,218 |
| Return on Equity (ROE) | 10.7619% | 1,690 |
| Retained earnings to average equity (ytd only) | 3.9289% | 3,528 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1322% | 3,608 |
| Assets per employee ($millions) | 4.4732% | 3,118 |
| Cash dividends to net income (ytd only)* | 63.4921% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7968% | 1,157 |
| Loan loss allowance to noncurrent loans | 123.9930% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.6297% | 3,172 |
| Noncurrent loans to loans | 1.4491% | 1,632 |
| Net loans and leases to total assets | 36.0433% | 5,639 |
| Net loans and leases to deposits | 41.3554% | 5,668 |
| Net loans and leases to core deposits | 42.0612% | 5,708 |
| Total domestic deposits to total assets | 87.1550% | 2,127 |
| Equity capital to assets | 10.9597% | 2,987 |
| Core capital (leverage) ratio | 11.0300% | 2,380 |
| Tier 1 risk-based capital ratio | 22.3654% | 1,108 |
| Total risk-based capital ratio | 23.6162% | 1,087 |
| Memoranda: | ||
| Average total assets | $106,923,000 | 4,330 |
| Average earning assets | $100,266,000 | 4,292 |
| Average equity | $11,708,000 | 4,382 |
| Average total loans | $39,791,000 | 5,013 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 2,094 |
| Cost of funding earning assets | 0.2193% | 5,100 |
| Net interest margin | 4.1198% | 1,364 |
| Noninterest income to average assets | 0.3636% | 4,306 |
| Noninterest expense to average assets | 2.7464% | 3,424 |
| Loan and lease loss provision to assets | 0.0650% | 2,992 |
| Net operating income to assets | 1.1792% | 1,624 |
| Return on assets (ROA) | 1.1792% | 1,702 |
| Pretax return on assets | 1.4099% | 1,858 |
| Return on Equity (ROE) | 10.9544% | 1,631 |
| Retained earnings to average equity (ytd only) | 3.9548% | 3,221 |
| Net charge-offs to loans | 0.0613% | 2,999 |
| Credit loss provision to net charge-offs | 287.5000% | 1,021 |
| Earnings coverage of net charge-offs (x) | 65.2500% | 820 |
| Efficiency ratio | 65.0602% | 4,068 |
| Assets per employee ($millions) | 4.2596% | 3,469 |
| Cash dividends to net income (ytd only)* | 63.8978% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7621% | 1,210 |
| Loan loss allowance to noncurrent loans | 462.7451% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 4,628 |
| Noncurrent loans to loans | 0.3808% | 4,085 |
| Net loans and leases to total assets | 37.0658% | 5,664 |
| Net loans and leases to deposits | 42.5311% | 5,693 |
| Net loans and leases to core deposits | 43.1438% | 5,735 |
| Total domestic deposits to total assets | 87.1498% | 2,050 |
| Equity capital to assets | 10.9401% | 2,884 |
| Core capital (leverage) ratio | 10.8882% | 2,507 |
| Tier 1 risk-based capital ratio | 19.1678% | 1,664 |
| Total risk-based capital ratio | 20.3574% | 1,634 |
| Memoranda: | ||
| Average total assets | $106,174,200 | 4,329 |
| Average earning assets | $99,422,800 | 4,308 |
| Average equity | $11,429,200 | 4,399 |
| Average total loans | $39,130,200 | 5,047 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3421% | 2,101 |
| Cost of funding earning assets | 0.2201% | 5,182 |
| Net interest margin | 4.1220% | 1,349 |
| Noninterest income to average assets | 0.3732% | 4,264 |
| Noninterest expense to average assets | 2.7346% | 3,450 |
| Loan and lease loss provision to assets | 0.0653% | 2,878 |
| Net operating income to assets | 1.1989% | 1,656 |
| Return on assets (ROA) | 1.1989% | 1,719 |
| Pretax return on assets | 1.4339% | 1,890 |
| Return on Equity (ROE) | 11.1831% | 1,633 |
| Retained earnings to average equity (ytd only) | 4.1614% | 3,503 |
| Net charge-offs to loans | 0.0034% | 4,062 |
| Credit loss provision to net charge-offs | 5,200.0000% | 75 |
| Earnings coverage of net charge-offs (x) | 1,195.9624% | 60 |
| Efficiency ratio | 64.5889% | 4,144 |
| Assets per employee ($millions) | 4.4280% | 3,127 |
| Cash dividends to net income (ytd only)* | 62.7884% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8731% | 1,133 |
| Loan loss allowance to noncurrent loans | 338.3886% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.2654% | 4,706 |
| Noncurrent loans to loans | 0.5535% | 3,674 |
| Net loans and leases to total assets | 35.1961% | 5,806 |
| Net loans and leases to deposits | 40.3499% | 5,855 |
| Net loans and leases to core deposits | 40.9386% | 5,889 |
| Total domestic deposits to total assets | 87.2272% | 1,927 |
| Equity capital to assets | 10.8711% | 3,169 |
| Core capital (leverage) ratio | 10.8303% | 2,669 |
| Tier 1 risk-based capital ratio | 20.0953% | 1,518 |
| Total risk-based capital ratio | 21.3459% | 1,489 |
| Memoranda: | ||
| Average total assets | $106,095,500 | 4,380 |
| Average earning assets | $99,365,750 | 4,349 |
| Average equity | $11,374,000 | 4,465 |
| Average total loans | $38,868,000 | 5,109 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3604% | 1,971 |
| Cost of funding earning assets | 0.2197% | 5,257 |
| Net interest margin | 4.1407% | 1,252 |
| Noninterest income to average assets | 0.3753% | 4,261 |
| Noninterest expense to average assets | 2.7236% | 3,517 |
| Loan and lease loss provision to assets | 0.0679% | 2,761 |
| Net operating income to assets | 1.1977% | 1,607 |
| Return on assets (ROA) | 1.1977% | 1,686 |
| Pretax return on assets | 1.4580% | 1,774 |
| Return on Equity (ROE) | 11.2247% | 1,612 |
| Retained earnings to average equity (ytd only) | 4.1363% | 3,389 |
| Net charge-offs to loans | 0.0051% | 3,718 |
| Credit loss provision to net charge-offs | 3,600.0000% | 118 |
| Earnings coverage of net charge-offs (x) | 809.0000% | 79 |
| Efficiency ratio | 64.0923% | 4,344 |
| Assets per employee ($millions) | 4.6256% | 2,785 |
| Cash dividends to net income (ytd only)* | 63.1496% | 1,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7499% | 1,493 |
| Loan loss allowance to noncurrent loans | 719.5876% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.1579% | 5,246 |
| Noncurrent loans to loans | 0.2432% | 4,786 |
| Net loans and leases to total assets | 36.8356% | 5,783 |
| Net loans and leases to deposits | 42.1559% | 5,828 |
| Net loans and leases to core deposits | 42.7683% | 5,871 |
| Total domestic deposits to total assets | 87.3793% | 1,978 |
| Equity capital to assets | 10.7464% | 3,170 |
| Core capital (leverage) ratio | 10.6370% | 2,810 |
| Tier 1 risk-based capital ratio | 19.9101% | 1,571 |
| Total risk-based capital ratio | 21.1518% | 1,531 |
| Memoranda: | ||
| Average total assets | $106,036,330 | 4,418 |
| Average earning assets | $99,210,670 | 4,388 |
| Average equity | $11,314,330 | 4,504 |
| Average total loans | $39,118,000 | 5,142 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1409% | 2,670 |
| Cost of funding earning assets | 0.2265% | 5,254 |
| Net interest margin | 3.9144% | 1,845 |
| Noninterest income to average assets | 0.3930% | 4,060 |
| Noninterest expense to average assets | 2.6450% | 3,765 |
| Loan and lease loss provision to assets | 0.0567% | 2,798 |
| Net operating income to assets | 1.1827% | 1,598 |
| Return on assets (ROA) | 1.1827% | 1,696 |
| Pretax return on assets | 1.3490% | 2,081 |
| Return on Equity (ROE) | 11.1239% | 1,601 |
| Retained earnings to average equity (ytd only) | 4.0515% | 3,574 |
| Net charge-offs to loans | 0.0207% | 2,739 |
| Credit loss provision to net charge-offs | 750.0000% | 401 |
| Earnings coverage of net charge-offs (x) | 186.0000% | 302 |
| Efficiency ratio | 65.2985% | 4,269 |
| Assets per employee ($millions) | 4.4675% | 3,103 |
| Cash dividends to net income (ytd only)* | 63.5783% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 1,724 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 5,668 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 36.3583% | 5,809 |
| Net loans and leases to deposits | 41.5234% | 5,859 |
| Net loans and leases to core deposits | 42.1201% | 5,905 |
| Total domestic deposits to total assets | 87.5610% | 2,067 |
| Equity capital to assets | 10.5504% | 3,477 |
| Core capital (leverage) ratio | 10.6181% | 2,833 |
| Tier 1 risk-based capital ratio | 13.7039% | 4,220 |
| Total risk-based capital ratio | 14.5410% | 4,354 |
| Memoranda: | ||
| Average total assets | $105,860,000 | 4,458 |
| Average earning assets | $98,916,500 | 4,435 |
| Average equity | $11,255,000 | 4,552 |
| Average total loans | $38,733,500 | 5,184 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 3,123 |
| Cost of funding earning assets | 0.2547% | 5,275 |
| Net interest margin | 3.8955% | 2,262 |
| Noninterest income to average assets | 0.4316% | 3,961 |
| Noninterest expense to average assets | 2.7045% | 3,848 |
| Loan and lease loss provision to assets | 0.0198% | 4,221 |
| Net operating income to assets | 1.1925% | 1,607 |
| Return on assets (ROA) | 1.1925% | 1,677 |
| Pretax return on assets | 1.3344% | 2,131 |
| Return on Equity (ROE) | 10.9742% | 1,727 |
| Retained earnings to average equity (ytd only) | 5.3867% | 2,342 |
| Net charge-offs to loans | 0.0887% | 3,220 |
| Credit loss provision to net charge-offs | 64.5161% | 3,192 |
| Earnings coverage of net charge-offs (x) | 44.0323% | 1,015 |
| Efficiency ratio | 66.6341% | 4,127 |
| Assets per employee ($millions) | 4.3542% | 3,263 |
| Cash dividends to net income (ytd only)* | 50.9151% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7510% | 1,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,756 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 35.5461% | 5,974 |
| Net loans and leases to deposits | 40.6932% | 6,013 |
| Net loans and leases to core deposits | 41.2944% | 6,065 |
| Total domestic deposits to total assets | 87.3513% | 2,100 |
| Equity capital to assets | 10.7157% | 3,217 |
| Core capital (leverage) ratio | 10.9365% | 2,459 |
| Tier 1 risk-based capital ratio | 20.2598% | 1,545 |
| Total risk-based capital ratio | 21.4847% | 1,523 |
| Memoranda: | ||
| Average total assets | $100,796,600 | 4,580 |
| Average earning assets | $93,853,000 | 4,559 |
| Average equity | $10,953,000 | 4,570 |
| Average total loans | $34,931,000 | 5,367 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1572% | 3,139 |
| Cost of funding earning assets | 0.2552% | 5,351 |
| Net interest margin | 3.9021% | 2,235 |
| Noninterest income to average assets | 0.4232% | 4,075 |
| Noninterest expense to average assets | 2.6580% | 3,986 |
| Loan and lease loss provision to assets | 0.0067% | 4,287 |
| Net operating income to assets | 1.1975% | 1,685 |
| Return on assets (ROA) | 1.1975% | 1,760 |
| Pretax return on assets | 1.3924% | 2,041 |
| Return on Equity (ROE) | 10.9805% | 1,796 |
| Retained earnings to average equity (ytd only) | 6.6716% | 1,996 |
| Net charge-offs to loans | 0.0507% | 3,492 |
| Credit loss provision to net charge-offs | 38.4615% | 3,312 |
| Earnings coverage of net charge-offs (x) | 80.6290% | 701 |
| Efficiency ratio | 65.5150% | 4,295 |
| Assets per employee ($millions) | 4.4876% | 2,997 |
| Cash dividends to net income (ytd only)* | 39.2418% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 1,670 |
| Loan loss allowance to noncurrent loans | 458.6207% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.2664% | 5,188 |
| Noncurrent loans to loans | 0.3950% | 4,724 |
| Net loans and leases to total assets | 36.5053% | 6,014 |
| Net loans and leases to deposits | 42.1143% | 6,043 |
| Net loans and leases to core deposits | 42.7857% | 6,095 |
| Total domestic deposits to total assets | 86.6816% | 2,487 |
| Equity capital to assets | 11.2957% | 2,659 |
| Core capital (leverage) ratio | 11.2727% | 2,244 |
| Tier 1 risk-based capital ratio | 21.0498% | 1,443 |
| Total risk-based capital ratio | 22.2994% | 1,421 |
| Memoranda: | ||
| Average total assets | $99,870,500 | 4,644 |
| Average earning assets | $93,008,250 | 4,626 |
| Average equity | $10,891,750 | 4,616 |
| Average total loans | $34,211,750 | 5,445 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 3,498 |
| Cost of funding earning assets | 0.2596% | 5,388 |
| Net interest margin | 3.8014% | 2,569 |
| Noninterest income to average assets | 0.4209% | 4,087 |
| Noninterest expense to average assets | 2.6055% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1711% | 1,685 |
| Return on assets (ROA) | 1.1711% | 1,750 |
| Pretax return on assets | 1.3506% | 2,082 |
| Return on Equity (ROE) | 10.8653% | 1,786 |
| Retained earnings to average equity (ytd only) | 7.0893% | 1,725 |
| Net charge-offs to loans | 0.0060% | 4,172 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 677.0000% | 102 |
| Efficiency ratio | 65.8598% | 4,384 |
| Assets per employee ($millions) | 4.6181% | 2,746 |
| Cash dividends to net income (ytd only)* | 34.7530% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9358% | 1,492 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1880% | 5,566 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 33.5072% | 6,179 |
| Net loans and leases to deposits | 38.3700% | 6,211 |
| Net loans and leases to core deposits | 38.9593% | 6,246 |
| Total domestic deposits to total assets | 87.3266% | 2,287 |
| Equity capital to assets | 10.8170% | 3,070 |
| Core capital (leverage) ratio | 11.0389% | 2,386 |
| Tier 1 risk-based capital ratio | 21.2183% | 1,404 |
| Total risk-based capital ratio | 22.4694% | 1,378 |
| Memoranda: | ||
| Average total assets | $100,251,330 | 4,679 |
| Average earning assets | $93,229,000 | 4,653 |
| Average equity | $10,805,000 | 4,652 |
| Average total loans | $33,380,330 | 5,518 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9814% | 3,765 |
| Cost of funding earning assets | 0.2597% | 5,497 |
| Net interest margin | 3.7217% | 2,777 |
| Noninterest income to average assets | 0.4218% | 4,019 |
| Noninterest expense to average assets | 2.5749% | 4,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1770% | 1,546 |
| Return on assets (ROA) | 1.1770% | 1,611 |
| Pretax return on assets | 1.3015% | 2,085 |
| Return on Equity (ROE) | 10.9405% | 1,705 |
| Retained earnings to average equity (ytd only) | 7.8413% | 1,666 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4249% | 4,457 |
| Assets per employee ($millions) | 4.5175% | 2,948 |
| Cash dividends to net income (ytd only)* | 28.3276% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0043% | 1,510 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 5,580 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 33.1086% | 6,219 |
| Net loans and leases to deposits | 37.9308% | 6,250 |
| Net loans and leases to core deposits | 38.5259% | 6,295 |
| Total domestic deposits to total assets | 87.2868% | 2,644 |
| Equity capital to assets | 10.8849% | 2,843 |
| Core capital (leverage) ratio | 10.8143% | 2,581 |
| Tier 1 risk-based capital ratio | 21.4074% | 1,392 |
| Total risk-based capital ratio | 22.6580% | 1,372 |
| Memoranda: | ||
| Average total assets | $99,577,500 | 4,749 |
| Average earning assets | $92,430,000 | 4,712 |
| Average equity | $10,712,500 | 4,685 |
| Average total loans | $32,713,000 | 5,596 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3664% | 2,709 |
| Cost of funding earning assets | 0.2853% | 5,712 |
| Net interest margin | 4.0811% | 1,700 |
| Noninterest income to average assets | 0.4859% | 3,848 |
| Noninterest expense to average assets | 2.7128% | 4,049 |
| Loan and lease loss provision to assets | 0.1142% | 2,905 |
| Net operating income to assets | 1.1939% | 1,593 |
| Return on assets (ROA) | 1.1939% | 1,658 |
| Pretax return on assets | 1.4016% | 1,773 |
| Return on Equity (ROE) | 11.3218% | 1,664 |
| Retained earnings to average equity (ytd only) | 8.6144% | 870 |
| Net charge-offs to loans | 0.3448% | 1,955 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 13.2727% | 2,042 |
| Efficiency ratio | 64.1542% | 4,865 |
| Assets per employee ($millions) | 4.5350% | 2,844 |
| Cash dividends to net income (ytd only)* | 23.9130% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 1,313 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2105% | 5,658 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 31.2469% | 6,420 |
| Net loans and leases to deposits | 35.6967% | 6,433 |
| Net loans and leases to core deposits | 36.2525% | 6,461 |
| Total domestic deposits to total assets | 87.5343% | 2,456 |
| Equity capital to assets | 10.6315% | 3,001 |
| Core capital (leverage) ratio | 10.7324% | 2,644 |
| Tier 1 risk-based capital ratio | 21.5309% | 1,331 |
| Total risk-based capital ratio | 22.7834% | 1,311 |
| Memoranda: | ||
| Average total assets | $96,320,400 | 4,831 |
| Average earning assets | $88,333,200 | 4,823 |
| Average equity | $10,157,400 | 4,810 |
| Average total loans | $31,906,000 | 5,672 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4457% | 2,442 |
| Cost of funding earning assets | 0.2841% | 5,858 |
| Net interest margin | 4.1616% | 1,450 |
| Noninterest income to average assets | 0.4442% | 4,196 |
| Noninterest expense to average assets | 2.7222% | 3,933 |
| Loan and lease loss provision to assets | 0.0838% | 3,383 |
| Net operating income to assets | 1.1635% | 1,760 |
| Return on assets (ROA) | 1.1635% | 1,831 |
| Pretax return on assets | 1.4442% | 1,782 |
| Return on Equity (ROE) | 11.0566% | 1,800 |
| Retained earnings to average equity (ytd only) | 8.3223% | 1,286 |
| Net charge-offs to loans | 0.1838% | 2,762 |
| Credit loss provision to net charge-offs | 136.3636% | 1,719 |
| Earnings coverage of net charge-offs (x) | 24.8616% | 1,406 |
| Efficiency ratio | 64.0486% | 4,790 |
| Assets per employee ($millions) | 4.3163% | 3,193 |
| Cash dividends to net income (ytd only)* | 24.7299% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1056% | 1,492 |
| Loan loss allowance to noncurrent loans | 626.3636% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 5,456 |
| Noncurrent loans to loans | 0.3362% | 5,381 |
| Net loans and leases to total assets | 33.7335% | 6,373 |
| Net loans and leases to deposits | 38.6564% | 6,424 |
| Net loans and leases to core deposits | 39.2913% | 6,471 |
| Total domestic deposits to total assets | 87.2650% | 2,522 |
| Equity capital to assets | 10.9089% | 2,849 |
| Core capital (leverage) ratio | 10.8058% | 2,663 |
| Tier 1 risk-based capital ratio | 21.1266% | 1,474 |
| Total risk-based capital ratio | 22.3788% | 1,446 |
| Memoranda: | ||
| Average total assets | $95,458,000 | 4,894 |
| Average earning assets | $87,303,500 | 4,889 |
| Average equity | $10,045,000 | 4,891 |
| Average total loans | $31,920,500 | 5,728 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4244% | 2,474 |
| Cost of funding earning assets | 0.2827% | 5,963 |
| Net interest margin | 4.1417% | 1,431 |
| Noninterest income to average assets | 0.4288% | 4,313 |
| Noninterest expense to average assets | 2.7190% | 3,964 |
| Loan and lease loss provision to assets | 0.0837% | 3,405 |
| Net operating income to assets | 1.1587% | 1,704 |
| Return on assets (ROA) | 1.1587% | 1,822 |
| Pretax return on assets | 1.4264% | 1,848 |
| Return on Equity (ROE) | 11.1465% | 1,769 |
| Retained earnings to average equity (ytd only) | 8.3901% | 1,337 |
| Net charge-offs to loans | -0.0505% | 6,272 |
| Credit loss provision to net charge-offs | -500.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2928% | 4,830 |
| Assets per employee ($millions) | 4.3920% | 3,006 |
| Cash dividends to net income (ytd only)* | 24.7292% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3016% | 1,260 |
| Loan loss allowance to noncurrent loans | 369.7436% | 1,146 |
| Noncurrent assets plus other real estate owned to assets | 0.3674% | 5,382 |
| Noncurrent loans to loans | 0.6225% | 4,697 |
| Net loans and leases to total assets | 31.6740% | 6,523 |
| Net loans and leases to deposits | 36.0347% | 6,558 |
| Net loans and leases to core deposits | 36.6115% | 6,583 |
| Total domestic deposits to total assets | 87.8986% | 2,319 |
| Equity capital to assets | 10.5035% | 3,302 |
| Core capital (leverage) ratio | 10.4970% | 2,878 |
| Tier 1 risk-based capital ratio | 21.0731% | 1,471 |
| Total risk-based capital ratio | 22.3272% | 1,445 |
| Memoranda: | ||
| Average total assets | $95,624,330 | 4,920 |
| Average earning assets | $87,741,000 | 4,908 |
| Average equity | $9,940,330 | 4,960 |
| Average total loans | $31,653,330 | 5,768 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 2,645 |
| Cost of funding earning assets | 0.2867% | 6,061 |
| Net interest margin | 4.0779% | 1,531 |
| Noninterest income to average assets | 0.4331% | 4,230 |
| Noninterest expense to average assets | 2.7165% | 3,993 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1606% | 1,638 |
| Return on assets (ROA) | 1.1606% | 1,745 |
| Pretax return on assets | 1.4844% | 1,603 |
| Return on Equity (ROE) | 11.2241% | 1,636 |
| Retained earnings to average equity (ytd only) | 8.4587% | 1,578 |
| Net charge-offs to loans | -0.0754% | 6,316 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6647% | 4,892 |
| Assets per employee ($millions) | 4.3601% | 3,223 |
| Cash dividends to net income (ytd only)* | 24.6377% | 2,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1239% | 1,744 |
| Loan loss allowance to noncurrent loans | 159.7647% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 0.4848% | 5,171 |
| Noncurrent loans to loans | 1.3294% | 3,572 |
| Net loans and leases to total assets | 32.6213% | 6,483 |
| Net loans and leases to deposits | 37.0790% | 6,538 |
| Net loans and leases to core deposits | 37.5277% | 6,580 |
| Total domestic deposits to total assets | 87.9777% | 2,329 |
| Equity capital to assets | 10.3626% | 3,719 |
| Core capital (leverage) ratio | 10.4853% | 2,798 |
| Tier 1 risk-based capital ratio | 20.4165% | 1,670 |
| Total risk-based capital ratio | 21.6695% | 1,644 |
| Memoranda: | ||
| Average total assets | $95,124,000 | 4,975 |
| Average earning assets | $87,888,500 | 4,938 |
| Average equity | $9,836,000 | 5,025 |
| Average total loans | $31,817,000 | 5,801 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 2,899 |
| Cost of funding earning assets | 0.3901% | 5,980 |
| Net interest margin | 4.2351% | 1,560 |
| Noninterest income to average assets | 0.5249% | 3,744 |
| Noninterest expense to average assets | 3.0312% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1603% | 1,734 |
| Return on assets (ROA) | 1.1603% | 1,891 |
| Pretax return on assets | 1.3924% | 2,064 |
| Return on Equity (ROE) | 11.1191% | 1,767 |
| Retained earnings to average equity (ytd only) | 5.8243% | 2,179 |
| Net charge-offs to loans | -0.0519% | 6,714 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5236% | 4,051 |
| Assets per employee ($millions) | 4.4917% | 2,979 |
| Cash dividends to net income (ytd only)* | 47.6190% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1254% | 1,697 |
| Loan loss allowance to noncurrent loans | 218.5065% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 5,527 |
| Noncurrent loans to loans | 0.9727% | 4,251 |
| Net loans and leases to total assets | 32.8552% | 6,596 |
| Net loans and leases to deposits | 37.3543% | 6,656 |
| Net loans and leases to core deposits | 37.8137% | 6,682 |
| Total domestic deposits to total assets | 87.9556% | 2,267 |
| Equity capital to assets | 10.3174% | 3,734 |
| Core capital (leverage) ratio | 10.5727% | 2,680 |
| Tier 1 risk-based capital ratio | 20.2127% | 1,624 |
| Total risk-based capital ratio | 21.4651% | 1,599 |
| Memoranda: | ||
| Average total assets | $90,492,200 | 5,071 |
| Average earning assets | $83,303,800 | 5,038 |
| Average equity | $9,443,200 | 5,122 |
| Average total loans | $30,821,400 | 5,909 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6946% | 2,827 |
| Cost of funding earning assets | 0.4097% | 6,064 |
| Net interest margin | 4.2849% | 1,520 |
| Noninterest income to average assets | 0.5569% | 3,562 |
| Noninterest expense to average assets | 3.0289% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1273% | 1,997 |
| Return on assets (ROA) | 1.1273% | 2,193 |
| Pretax return on assets | 1.4683% | 2,011 |
| Return on Equity (ROE) | 10.7706% | 2,043 |
| Retained earnings to average equity (ytd only) | 5.4351% | 3,076 |
| Net charge-offs to loans | -0.0741% | 6,793 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3510% | 4,204 |
| Assets per employee ($millions) | 4.5301% | 2,863 |
| Cash dividends to net income (ytd only)* | 49.5378% | 1,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2115% | 1,686 |
| Loan loss allowance to noncurrent loans | 295.6140% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3124% | 5,914 |
| Noncurrent loans to loans | 0.7481% | 4,923 |
| Net loans and leases to total assets | 32.8948% | 6,709 |
| Net loans and leases to deposits | 37.5499% | 6,766 |
| Net loans and leases to core deposits | 38.0330% | 6,810 |
| Total domestic deposits to total assets | 87.6028% | 2,293 |
| Equity capital to assets | 10.5573% | 3,775 |
| Core capital (leverage) ratio | 10.4773% | 2,939 |
| Tier 1 risk-based capital ratio | 20.8184% | 1,572 |
| Total risk-based capital ratio | 22.0720% | 1,534 |
| Memoranda: | ||
| Average total assets | $89,533,750 | 5,156 |
| Average earning assets | $82,333,500 | 5,110 |
| Average equity | $9,371,000 | 5,182 |
| Average total loans | $30,610,750 | 5,997 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7415% | 2,753 |
| Cost of funding earning assets | 0.4244% | 6,133 |
| Net interest margin | 4.3171% | 1,438 |
| Noninterest income to average assets | 0.5382% | 3,662 |
| Noninterest expense to average assets | 3.0052% | 3,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.1214% | 1,973 |
| Return on assets (ROA) | 1.1214% | 2,190 |
| Pretax return on assets | 1.5026% | 1,839 |
| Return on Equity (ROE) | 10.7454% | 2,081 |
| Retained earnings to average equity (ytd only) | 5.3727% | 3,060 |
| Net charge-offs to loans | -0.0913% | 6,839 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,388 |
| Assets per employee ($millions) | 4.5558% | 2,802 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1791% | 1,821 |
| Loan loss allowance to noncurrent loans | 559.1667% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.5081% | 5,491 |
| Noncurrent loans to loans | 0.3897% | 5,755 |
| Net loans and leases to total assets | 33.0582% | 6,766 |
| Net loans and leases to deposits | 37.5803% | 6,821 |
| Net loans and leases to core deposits | 38.0585% | 6,870 |
| Total domestic deposits to total assets | 87.9669% | 2,164 |
| Equity capital to assets | 10.3529% | 3,876 |
| Core capital (leverage) ratio | 10.3491% | 2,987 |
| Tier 1 risk-based capital ratio | 20.0191% | 1,699 |
| Total risk-based capital ratio | 21.2712% | 1,667 |
| Memoranda: | ||
| Average total assets | $89,178,000 | 5,191 |
| Average earning assets | $81,999,330 | 5,152 |
| Average equity | $9,306,330 | 5,201 |
| Average total loans | $30,655,330 | 6,031 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7213% | 2,967 |
| Cost of funding earning assets | 0.4377% | 6,219 |
| Net interest margin | 4.2836% | 1,522 |
| Noninterest income to average assets | 0.5124% | 3,834 |
| Noninterest expense to average assets | 2.9611% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1110% | 2,033 |
| Return on assets (ROA) | 1.1110% | 2,216 |
| Pretax return on assets | 1.5010% | 1,864 |
| Return on Equity (ROE) | 10.6026% | 2,191 |
| Retained earnings to average equity (ytd only) | 5.1931% | 3,444 |
| Net charge-offs to loans | -0.0915% | 6,756 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3618% | 4,490 |
| Assets per employee ($millions) | 4.1146% | 3,765 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2011% | 1,880 |
| Loan loss allowance to noncurrent loans | 118.9964% | 2,639 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 5,238 |
| Noncurrent loans to loans | 1.8497% | 3,343 |
| Net loans and leases to total assets | 32.5921% | 6,795 |
| Net loans and leases to deposits | 36.9698% | 6,856 |
| Net loans and leases to core deposits | 37.4423% | 6,897 |
| Total domestic deposits to total assets | 88.1587% | 2,212 |
| Equity capital to assets | 10.2771% | 3,754 |
| Core capital (leverage) ratio | 10.6851% | 2,562 |
| Tier 1 risk-based capital ratio | 20.2512% | 1,648 |
| Total risk-based capital ratio | 21.5051% | 1,619 |
| Memoranda: | ||
| Average total assets | $88,209,500 | 5,263 |
| Average earning assets | $81,333,500 | 5,211 |
| Average equity | $9,243,000 | 5,232 |
| Average total loans | $30,587,000 | 6,083 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1812% | 2,142 |
| Cost of funding earning assets | 0.7531% | 5,189 |
| Net interest margin | 4.4281% | 1,316 |
| Noninterest income to average assets | 0.5289% | 3,656 |
| Noninterest expense to average assets | 2.9116% | 3,913 |
| Loan and lease loss provision to assets | 0.1122% | 5,188 |
| Net operating income to assets | 1.2220% | 1,455 |
| Return on assets (ROA) | 1.2220% | 1,560 |
| Pretax return on assets | 1.5597% | 1,312 |
| Return on Equity (ROE) | 11.6094% | 1,530 |
| Retained earnings to average equity (ytd only) | 5.1485% | 2,534 |
| Net charge-offs to loans | 0.2869% | 3,977 |
| Credit loss provision to net charge-offs | 104.3956% | 3,289 |
| Earnings coverage of net charge-offs (x) | 15.5604% | 1,384 |
| Efficiency ratio | 63.5240% | 5,211 |
| Assets per employee ($millions) | 4.0903% | 3,665 |
| Cash dividends to net income (ytd only)* | 55.6522% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1189% | 1,953 |
| Loan loss allowance to noncurrent loans | 94.6686% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8545% | 4,915 |
| Noncurrent loans to loans | 2.2382% | 2,912 |
| Net loans and leases to total assets | 35.3330% | 6,798 |
| Net loans and leases to deposits | 40.3295% | 6,868 |
| Net loans and leases to core deposits | 40.8754% | 6,922 |
| Total domestic deposits to total assets | 87.6107% | 2,396 |
| Equity capital to assets | 10.6907% | 3,313 |
| Core capital (leverage) ratio | 10.6268% | 2,590 |
| Tier 1 risk-based capital ratio | 19.9051% | 1,670 |
| Total risk-based capital ratio | 21.1579% | 1,635 |
| Memoranda: | ||
| Average total assets | $84,696,400 | 5,320 |
| Average earning assets | $77,549,400 | 5,299 |
| Average equity | $8,915,200 | 5,302 |
| Average total loans | $31,717,000 | 6,090 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2191% | 2,136 |
| Cost of funding earning assets | 0.8157% | 5,044 |
| Net interest margin | 4.4034% | 1,396 |
| Noninterest income to average assets | 0.5419% | 3,571 |
| Noninterest expense to average assets | 2.9637% | 3,693 |
| Loan and lease loss provision to assets | 0.0711% | 5,563 |
| Net operating income to assets | 1.1564% | 1,791 |
| Return on assets (ROA) | 1.1564% | 1,908 |
| Pretax return on assets | 1.5324% | 1,571 |
| Return on Equity (ROE) | 11.0302% | 1,852 |
| Retained earnings to average equity (ytd only) | 4.2493% | 3,704 |
| Net charge-offs to loans | -0.1547% | 7,230 |
| Credit loss provision to net charge-offs | -121.6216% | 6,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8910% | 4,919 |
| Assets per employee ($millions) | 4.5753% | 2,799 |
| Cash dividends to net income (ytd only)* | 61.4756% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3645% | 1,596 |
| Loan loss allowance to noncurrent loans | 90.9653% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 0.9755% | 4,795 |
| Noncurrent loans to loans | 2.5993% | 2,670 |
| Net loans and leases to total assets | 34.9131% | 6,916 |
| Net loans and leases to deposits | 39.7449% | 6,980 |
| Net loans and leases to core deposits | 40.8633% | 7,013 |
| Total domestic deposits to total assets | 87.8431% | 2,135 |
| Equity capital to assets | 10.3601% | 3,876 |
| Core capital (leverage) ratio | 10.4573% | 2,921 |
| Tier 1 risk-based capital ratio | 19.4258% | 1,835 |
| Total risk-based capital ratio | 20.6812% | 1,806 |
| Memoranda: | ||
| Average total assets | $84,396,250 | 5,370 |
| Average earning assets | $77,151,000 | 5,350 |
| Average equity | $8,848,250 | 5,350 |
| Average total loans | $31,894,500 | 6,141 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2571% | 2,039 |
| Cost of funding earning assets | 0.8806% | 4,823 |
| Net interest margin | 4.3765% | 1,443 |
| Noninterest income to average assets | 0.5410% | 3,548 |
| Noninterest expense to average assets | 2.9682% | 3,765 |
| Loan and lease loss provision to assets | 0.0239% | 5,994 |
| Net operating income to assets | 1.1610% | 1,687 |
| Return on assets (ROA) | 1.1610% | 1,764 |
| Pretax return on assets | 1.5224% | 1,461 |
| Return on Equity (ROE) | 11.0282% | 1,788 |
| Retained earnings to average equity (ytd only) | 3.6154% | 3,934 |
| Net charge-offs to loans | -0.0995% | 7,167 |
| Credit loss provision to net charge-offs | -62.5000% | 6,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7476% | 4,922 |
| Assets per employee ($millions) | 4.7747% | 2,444 |
| Cash dividends to net income (ytd only)* | 67.2165% | 1,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1206% | 2,073 |
| Loan loss allowance to noncurrent loans | 115.0847% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7330% | 5,444 |
| Noncurrent loans to loans | 1.8427% | 3,692 |
| Net loans and leases to total assets | 36.4652% | 6,938 |
| Net loans and leases to deposits | 41.4523% | 7,016 |
| Net loans and leases to core deposits | 42.6296% | 7,051 |
| Total domestic deposits to total assets | 87.9690% | 2,158 |
| Equity capital to assets | 10.3357% | 3,703 |
| Core capital (leverage) ratio | 10.3595% | 2,870 |
| Tier 1 risk-based capital ratio | 19.8131% | 1,649 |
| Total risk-based capital ratio | 21.0666% | 1,621 |
| Memoranda: | ||
| Average total assets | $83,551,670 | 5,436 |
| Average earning assets | $75,859,000 | 5,437 |
| Average equity | $8,795,670 | 5,383 |
| Average total loans | $32,164,330 | 6,180 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3083% | 1,846 |
| Cost of funding earning assets | 0.9141% | 4,823 |
| Net interest margin | 4.3942% | 1,295 |
| Noninterest income to average assets | 0.6363% | 2,922 |
| Noninterest expense to average assets | 3.0599% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1608% | 1,624 |
| Return on assets (ROA) | 1.1608% | 1,676 |
| Pretax return on assets | 1.5688% | 1,258 |
| Return on Equity (ROE) | 10.9232% | 1,765 |
| Retained earnings to average equity (ytd only) | 2.6508% | 4,578 |
| Net charge-offs to loans | -0.0993% | 7,086 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1070% | 5,020 |
| Assets per employee ($millions) | 4.7685% | 2,472 |
| Cash dividends to net income (ytd only)* | 75.7322% | 921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0948% | 2,198 |
| Loan loss allowance to noncurrent loans | 112.4150% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7317% | 5,472 |
| Noncurrent loans to loans | 1.8635% | 3,742 |
| Net loans and leases to total assets | 35.9920% | 7,000 |
| Net loans and leases to deposits | 40.8265% | 7,065 |
| Net loans and leases to core deposits | 41.9822% | 7,110 |
| Total domestic deposits to total assets | 88.1584% | 2,285 |
| Equity capital to assets | 10.2303% | 3,500 |
| Core capital (leverage) ratio | 10.6612% | 2,463 |
| Tier 1 risk-based capital ratio | 18.9000% | 1,823 |
| Total risk-based capital ratio | 20.1528% | 1,788 |
| Memoranda: | ||
| Average total assets | $82,355,000 | 5,515 |
| Average earning assets | $74,826,500 | 5,515 |
| Average equity | $8,752,000 | 5,393 |
| Average total loans | $32,237,000 | 6,227 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6055% | 1,871 |
| Cost of funding earning assets | 1.0293% | 5,536 |
| Net interest margin | 4.5762% | 1,063 |
| Noninterest income to average assets | 0.8045% | 2,260 |
| Noninterest expense to average assets | 3.1238% | 3,371 |
| Loan and lease loss provision to assets | 0.0065% | 7,010 |
| Net operating income to assets | 1.3513% | 1,045 |
| Return on assets (ROA) | 1.3513% | 1,124 |
| Pretax return on assets | 1.8327% | 715 |
| Return on Equity (ROE) | 12.2734% | 1,261 |
| Retained earnings to average equity (ytd only) | 5.8218% | 1,926 |
| Net charge-offs to loans | 0.0123% | 6,706 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 351.5000% | 66 |
| Efficiency ratio | 62.9415% | 5,527 |
| Assets per employee ($millions) | 4.1514% | 3,477 |
| Cash dividends to net income (ytd only)* | 52.5653% | 1,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9836% | 2,345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0507% | 7,107 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 40.9080% | 6,907 |
| Net loans and leases to deposits | 46.7056% | 7,010 |
| Net loans and leases to core deposits | 48.1568% | 7,062 |
| Total domestic deposits to total assets | 87.5870% | 2,496 |
| Equity capital to assets | 11.0590% | 2,634 |
| Core capital (leverage) ratio | 10.9785% | 2,174 |
| Tier 1 risk-based capital ratio | 20.5819% | 1,388 |
| Total risk-based capital ratio | 21.8347% | 1,370 |
| Memoranda: | ||
| Average total assets | $76,445,000 | 5,698 |
| Average earning assets | $69,467,600 | 5,691 |
| Average equity | $8,416,600 | 5,578 |
| Average total loans | $32,420,400 | 6,292 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7257% | 1,626 |
| Cost of funding earning assets | 1.0336% | 5,782 |
| Net interest margin | 4.6921% | 860 |
| Noninterest income to average assets | 0.8052% | 2,210 |
| Noninterest expense to average assets | 3.2420% | 2,771 |
| Loan and lease loss provision to assets | 0.0088% | 6,934 |
| Net operating income to assets | 1.2869% | 1,361 |
| Return on assets (ROA) | 1.2869% | 1,446 |
| Pretax return on assets | 1.8161% | 895 |
| Return on Equity (ROE) | 11.7024% | 1,589 |
| Retained earnings to average equity (ytd only) | 4.9399% | 3,032 |
| Net charge-offs to loans | -0.0660% | 7,503 |
| Credit loss provision to net charge-offs | -31.2500% | 6,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9833% | 5,242 |
| Assets per employee ($millions) | 4.0712% | 3,695 |
| Cash dividends to net income (ytd only)* | 57.7870% | 1,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9852% | 2,262 |
| Loan loss allowance to noncurrent loans | 560.8333% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 6,754 |
| Noncurrent loans to loans | 0.3540% | 6,490 |
| Net loans and leases to total assets | 42.9569% | 6,911 |
| Net loans and leases to deposits | 49.0291% | 7,044 |
| Net loans and leases to core deposits | 49.8223% | 7,130 |
| Total domestic deposits to total assets | 87.6151% | 2,202 |
| Equity capital to assets | 11.0443% | 2,918 |
| Core capital (leverage) ratio | 11.0348% | 2,232 |
| Tier 1 risk-based capital ratio | 20.0263% | 1,545 |
| Total risk-based capital ratio | 21.2805% | 1,511 |
| Memoranda: | ||
| Average total assets | $75,837,000 | 5,779 |
| Average earning assets | $68,880,250 | 5,775 |
| Average equity | $8,340,000 | 5,679 |
| Average total loans | $32,295,500 | 6,381 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 2,192 |
| Cost of funding earning assets | 1.0426% | 5,954 |
| Net interest margin | 4.5422% | 1,114 |
| Noninterest income to average assets | 0.7062% | 2,671 |
| Noninterest expense to average assets | 3.0585% | 3,478 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2850% | 1,342 |
| Return on assets (ROA) | 1.2850% | 1,406 |
| Pretax return on assets | 1.7655% | 938 |
| Return on Equity (ROE) | 11.7017% | 1,527 |
| Retained earnings to average equity (ytd only) | 1.4990% | 5,126 |
| Net charge-offs to loans | -0.0126% | 7,228 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4012% | 5,448 |
| Assets per employee ($millions) | 4.0775% | 3,615 |
| Cash dividends to net income (ytd only)* | 87.1901% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1338% | 1,899 |
| Loan loss allowance to noncurrent loans | 545.0000% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.2440% | 6,792 |
| Noncurrent loans to loans | 0.3915% | 6,457 |
| Net loans and leases to total assets | 38.7185% | 7,235 |
| Net loans and leases to deposits | 44.0263% | 7,321 |
| Net loans and leases to core deposits | 46.1292% | 7,350 |
| Total domestic deposits to total assets | 87.9440% | 2,035 |
| Equity capital to assets | 10.7084% | 3,166 |
| Core capital (leverage) ratio | 10.9211% | 2,303 |
| Tier 1 risk-based capital ratio | 20.9253% | 1,350 |
| Total risk-based capital ratio | 22.1816% | 1,322 |
| Memoranda: | ||
| Average total assets | $75,332,000 | 5,825 |
| Average earning assets | $68,293,330 | 5,818 |
| Average equity | $8,272,330 | 5,706 |
| Average total loans | $31,760,330 | 6,448 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7246% | 1,686 |
| Cost of funding earning assets | 1.0566% | 6,103 |
| Net interest margin | 4.6681% | 836 |
| Noninterest income to average assets | 0.8564% | 1,788 |
| Noninterest expense to average assets | 3.1402% | 3,105 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5028% | 889 |
| Return on assets (ROA) | 1.5028% | 959 |
| Pretax return on assets | 1.9283% | 695 |
| Return on Equity (ROE) | 13.5101% | 1,145 |
| Retained earnings to average equity (ytd only) | 2.5664% | 4,596 |
| Net charge-offs to loans | -0.1980% | 7,671 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9554% | 5,839 |
| Assets per employee ($millions) | 3.9633% | 3,961 |
| Cash dividends to net income (ytd only)* | 81.0036% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0990% | 1,959 |
| Loan loss allowance to noncurrent loans | 661.3861% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.2258% | 6,896 |
| Noncurrent loans to loans | 0.3174% | 6,672 |
| Net loans and leases to total assets | 41.3747% | 7,161 |
| Net loans and leases to deposits | 47.1090% | 7,274 |
| Net loans and leases to core deposits | 49.4234% | 7,305 |
| Total domestic deposits to total assets | 87.8277% | 2,155 |
| Equity capital to assets | 11.0050% | 2,757 |
| Core capital (leverage) ratio | 11.2667% | 2,048 |
| Tier 1 risk-based capital ratio | 20.7031% | 1,390 |
| Total risk-based capital ratio | 21.9599% | 1,364 |
| Memoranda: | ||
| Average total assets | $74,262,000 | 5,931 |
| Average earning assets | $67,008,500 | 5,934 |
| Average equity | $8,260,500 | 5,751 |
| Average total loans | $32,315,500 | 6,497 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3441% | 948 |
| Cost of funding earning assets | 1.2470% | 6,482 |
| Net interest margin | 5.0972% | 364 |
| Noninterest income to average assets | 0.5531% | 3,996 |
| Noninterest expense to average assets | 3.1673% | 3,485 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4548% | 748 |
| Return on assets (ROA) | 1.4548% | 812 |
| Pretax return on assets | 2.0194% | 391 |
| Return on Equity (ROE) | 12.4568% | 1,061 |
| Retained earnings to average equity (ytd only) | 2.8860% | 3,157 |
| Net charge-offs to loans | 0.0460% | 6,647 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 93.4667% | 299 |
| Efficiency ratio | 61.0664% | 6,321 |
| Assets per employee ($millions) | 3.6611% | 4,620 |
| Cash dividends to net income (ytd only)* | 76.8317% | 1,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9874% | 2,063 |
| Loan loss allowance to noncurrent loans | 2,716.6667% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.1270% | 7,163 |
| Noncurrent loans to loans | 0.0732% | 7,239 |
| Net loans and leases to total assets | 43.9144% | 7,123 |
| Net loans and leases to deposits | 50.0911% | 7,255 |
| Net loans and leases to core deposits | 54.5972% | 7,454 |
| Total domestic deposits to total assets | 87.6690% | 2,134 |
| Equity capital to assets | 11.2453% | 2,500 |
| Core capital (leverage) ratio | 11.3876% | 1,980 |
| Tier 1 risk-based capital ratio | 20.0962% | 1,445 |
| Total risk-based capital ratio | 21.3508% | 1,408 |
| Memoranda: | ||
| Average total assets | $69,427,400 | 6,021 |
| Average earning assets | $63,113,400 | 6,031 |
| Average equity | $8,108,000 | 5,887 |
| Average total loans | $32,644,000 | 6,485 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4157% | 899 |
| Cost of funding earning assets | 1.2942% | 6,574 |
| Net interest margin | 5.1214% | 345 |
| Noninterest income to average assets | 0.5471% | 4,106 |
| Noninterest expense to average assets | 3.1931% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4038% | 1,021 |
| Return on assets (ROA) | 1.4038% | 1,089 |
| Pretax return on assets | 2.0230% | 520 |
| Return on Equity (ROE) | 11.9026% | 1,380 |
| Retained earnings to average equity (ytd only) | 2.3607% | 4,004 |
| Net charge-offs to loans | 0.0123% | 6,754 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 346.3250% | 109 |
| Efficiency ratio | 61.2169% | 6,237 |
| Assets per employee ($millions) | 3.7639% | 4,278 |
| Cash dividends to net income (ytd only)* | 80.1666% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0331% | 1,721 |
| Loan loss allowance to noncurrent loans | 152.9954% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.7034% | 5,724 |
| Noncurrent loans to loans | 1.3288% | 4,713 |
| Net loans and leases to total assets | 44.7409% | 7,195 |
| Net loans and leases to deposits | 51.2600% | 7,345 |
| Net loans and leases to core deposits | 55.9165% | 7,545 |
| Total domestic deposits to total assets | 87.2822% | 2,029 |
| Equity capital to assets | 11.3852% | 2,680 |
| Core capital (leverage) ratio | 11.5385% | 2,055 |
| Tier 1 risk-based capital ratio | 20.0290% | 1,552 |
| Total risk-based capital ratio | 21.2936% | 1,495 |
| Memoranda: | ||
| Average total assets | $68,478,750 | 6,090 |
| Average earning assets | $62,428,750 | 6,093 |
| Average equity | $8,076,500 | 5,958 |
| Average total loans | $32,603,250 | 6,530 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5298% | 770 |
| Cost of funding earning assets | 1.3529% | 6,638 |
| Net interest margin | 5.1769% | 308 |
| Noninterest income to average assets | 0.5573% | 3,979 |
| Noninterest expense to average assets | 3.2105% | 3,309 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4318% | 954 |
| Return on assets (ROA) | 1.4318% | 1,021 |
| Pretax return on assets | 2.0543% | 486 |
| Return on Equity (ROE) | 11.9930% | 1,413 |
| Retained earnings to average equity (ytd only) | 2.5079% | 3,935 |
| Net charge-offs to loans | -0.2271% | 8,041 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9797% | 6,403 |
| Assets per employee ($millions) | 3.6653% | 4,406 |
| Cash dividends to net income (ytd only)* | 79.0890% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1961% | 1,253 |
| Loan loss allowance to noncurrent loans | 617.5439% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 7,139 |
| Noncurrent loans to loans | 0.3556% | 6,620 |
| Net loans and leases to total assets | 45.0209% | 7,263 |
| Net loans and leases to deposits | 51.6405% | 7,402 |
| Net loans and leases to core deposits | 55.7744% | 7,605 |
| Total domestic deposits to total assets | 87.1814% | 2,156 |
| Equity capital to assets | 11.6311% | 2,444 |
| Core capital (leverage) ratio | 11.7148% | 1,968 |
| Tier 1 risk-based capital ratio | 20.0903% | 1,563 |
| Total risk-based capital ratio | 21.3480% | 1,526 |
| Memoranda: | ||
| Average total assets | $67,467,000 | 6,172 |
| Average earning assets | $61,349,330 | 6,170 |
| Average equity | $8,054,670 | 6,001 |
| Average total loans | $32,584,330 | 6,581 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6125% | 693 |
| Cost of funding earning assets | 1.4076% | 6,705 |
| Net interest margin | 5.2049% | 278 |
| Noninterest income to average assets | 0.5303% | 4,056 |
| Noninterest expense to average assets | 3.2721% | 2,733 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4221% | 1,093 |
| Return on assets (ROA) | 1.4221% | 1,180 |
| Pretax return on assets | 2.0488% | 605 |
| Return on Equity (ROE) | 11.7530% | 1,744 |
| Retained earnings to average equity (ytd only) | 3.0378% | 4,190 |
| Net charge-offs to loans | -0.0487% | 7,689 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4949% | 6,156 |
| Assets per employee ($millions) | 3.6131% | 4,539 |
| Cash dividends to net income (ytd only)* | 74.1525% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0391% | 1,339 |
| Loan loss allowance to noncurrent loans | 6,100.0000% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 7,587 |
| Noncurrent loans to loans | 0.0334% | 7,454 |
| Net loans and leases to total assets | 46.9569% | 7,108 |
| Net loans and leases to deposits | 53.8003% | 7,303 |
| Net loans and leases to core deposits | 56.8519% | 7,575 |
| Total domestic deposits to total assets | 87.2800% | 2,077 |
| Equity capital to assets | 11.7440% | 2,412 |
| Core capital (leverage) ratio | 12.0532% | 1,874 |
| Tier 1 risk-based capital ratio | 19.9604% | 1,631 |
| Total risk-based capital ratio | 21.2161% | 1,586 |
| Memoranda: | ||
| Average total assets | $66,380,000 | 6,239 |
| Average earning assets | $61,096,000 | 6,211 |
| Average equity | $8,032,000 | 6,053 |
| Average total loans | $32,848,000 | 6,600 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1321% | 855 |
| Cost of funding earning assets | 1.6267% | 7,392 |
| Net interest margin | 5.5055% | 205 |
| Noninterest income to average assets | 0.5765% | 4,035 |
| Noninterest expense to average assets | 3.4051% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6583% | 735 |
| Return on assets (ROA) | 1.6583% | 705 |
| Pretax return on assets | 2.2174% | 382 |
| Return on Equity (ROE) | 13.6169% | 1,183 |
| Retained earnings to average equity (ytd only) | 7.4828% | 989 |
| Net charge-offs to loans | -0.0410% | 8,010 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5618% | 6,250 |
| Assets per employee ($millions) | 3.2056% | 5,468 |
| Cash dividends to net income (ytd only)* | 45.0476% | 3,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 1,162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 50.1045% | 7,020 |
| Net loans and leases to deposits | 57.7316% | 7,223 |
| Net loans and leases to core deposits | 59.7982% | 7,591 |
| Total domestic deposits to total assets | 86.7887% | 2,042 |
| Equity capital to assets | 12.4813% | 2,023 |
| Core capital (leverage) ratio | 12.3293% | 1,815 |
| Tier 1 risk-based capital ratio | 20.1970% | 1,584 |
| Total risk-based capital ratio | 21.4520% | 1,553 |
| Memoranda: | ||
| Average total assets | $63,317,200 | 6,261 |
| Average earning assets | $58,033,000 | 6,260 |
| Average equity | $7,711,000 | 6,206 |
| Average total loans | $31,721,200 | 6,618 |