Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5836% | 4,358 |
| Cost of funding earning assets | 1.3445% | 2,380 |
| Net interest margin | 2.2391% | 4,292 |
| Noninterest income to average assets | 0.5800% | 1,611 |
| Noninterest expense to average assets | 2.1221% | 3,350 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 0.3976% | 3,878 |
| Return on assets (ROA) | 0.3976% | 3,867 |
| Pretax return on assets | 0.3976% | 3,969 |
| Return on Equity (ROE) | 12.8500% | 1,768 |
| Retained earnings to average equity (ytd only) | 7.3711% | 1,768 |
| Net charge-offs to loans | 0.0137% | 2,142 |
| Credit loss provision to net charge-offs | 5,200.0000% | 104 |
| Earnings coverage of net charge-offs (x) | 169.2500% | 657 |
| Efficiency ratio | 78.7107% | 1,012 |
| Assets per employee ($millions) | 6.1064% | 2,729 |
| Cash dividends to net income (ytd only)* | 42.6439% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4102% | 217 |
| Loan loss allowance to noncurrent loans | 367.8899% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.1700% | 2,407 |
| Noncurrent loans to loans | 0.6551% | 1,198 |
| Net loans and leases to total assets | 25.3200% | 4,361 |
| Net loans and leases to deposits | 26.3695% | 4,392 |
| Net loans and leases to core deposits | 27.8370% | 4,417 |
| Total domestic deposits to total assets | 96.0300% | 39 |
| Equity capital to assets | 3.4897% | 4,526 |
| Core capital (leverage) ratio | 13.4221% | 932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $117,951,600 | 3,671 |
| Average earning assets | $111,564,400 | 3,631 |
| Average equity | $3,649,400 | 4,382 |
| Average total loans | $29,160,800 | 4,152 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 4,329 |
| Cost of funding earning assets | 1.2129% | 2,392 |
| Net interest margin | 2.3649% | 4,269 |
| Noninterest income to average assets | 0.6400% | 1,370 |
| Noninterest expense to average assets | 1.7707% | 4,030 |
| Loan and lease loss provision to assets | 0.1800% | 621 |
| Net operating income to assets | 0.9385% | 2,552 |
| Return on assets (ROA) | 0.9385% | 2,539 |
| Pretax return on assets | 0.9385% | 3,013 |
| Return on Equity (ROE) | 31.4400% | 200 |
| Retained earnings to average equity (ytd only) | 23.6997% | 152 |
| Net charge-offs to loans | 0.0047% | 2,303 |
| Credit loss provision to net charge-offs | 15,400.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 966.0000% | 164 |
| Efficiency ratio | 61.3291% | 2,804 |
| Assets per employee ($millions) | 5.0012% | 3,606 |
| Cash dividends to net income (ytd only)* | 24.6305% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4998% | 196 |
| Loan loss allowance to noncurrent loans | 479.5181% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1509% | 2,570 |
| Noncurrent loans to loans | 0.5213% | 1,517 |
| Net loans and leases to total assets | 28.2200% | 4,343 |
| Net loans and leases to deposits | 29.0007% | 4,392 |
| Net loans and leases to core deposits | 30.7059% | 4,378 |
| Total domestic deposits to total assets | 97.3000% | 48 |
| Equity capital to assets | 2.2013% | 4,537 |
| Core capital (leverage) ratio | 13.8925% | 848 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $115,358,250 | 3,705 |
| Average earning assets | $109,488,750 | 3,664 |
| Average equity | $3,443,000 | 4,409 |
| Average total loans | $28,132,250 | 4,184 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4516% | 4,388 |
| Cost of funding earning assets | 0.9895% | 2,639 |
| Net interest margin | 2.4621% | 4,249 |
| Noninterest income to average assets | 0.7200% | 1,058 |
| Noninterest expense to average assets | 1.7501% | 4,084 |
| Loan and lease loss provision to assets | 0.1700% | 642 |
| Net operating income to assets | 1.1389% | 2,006 |
| Return on assets (ROA) | 1.1389% | 2,004 |
| Pretax return on assets | 1.1389% | 2,542 |
| Return on Equity (ROE) | 35.2600% | 147 |
| Retained earnings to average equity (ytd only) | 29.9736% | 78 |
| Net charge-offs to loans | -0.0149% | 4,043 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.1349% | 3,284 |
| Assets per employee ($millions) | 5.5504% | 3,107 |
| Cash dividends to net income (ytd only)* | 14.9925% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4992% | 223 |
| Loan loss allowance to noncurrent loans | 469.8113% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.1364% | 2,593 |
| Noncurrent loans to loans | 0.5320% | 1,400 |
| Net loans and leases to total assets | 25.0000% | 4,405 |
| Net loans and leases to deposits | 25.9305% | 4,437 |
| Net loans and leases to core deposits | 26.9910% | 4,435 |
| Total domestic deposits to total assets | 96.4200% | 50 |
| Equity capital to assets | 3.1289% | 4,562 |
| Core capital (leverage) ratio | 13.4284% | 897 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $117,135,667 | 3,698 |
| Average earning assets | $111,370,000 | 3,659 |
| Average equity | $3,783,333 | 4,410 |
| Average total loans | $26,895,333 | 4,214 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2718% | 4,455 |
| Cost of funding earning assets | 0.8188% | 2,661 |
| Net interest margin | 2.4529% | 4,347 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 1.7305% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0833% | 2,279 |
| Return on assets (ROA) | 1.0833% | 2,248 |
| Pretax return on assets | 1.0833% | 2,755 |
| Return on Equity (ROE) | 33.0300% | 187 |
| Retained earnings to average equity (ytd only) | 33.0261% | 93 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.5012% | 2,754 |
| Assets per employee ($millions) | 5.3560% | 3,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4964% | 222 |
| Loan loss allowance to noncurrent loans | 404.4025% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.1349% | 2,571 |
| Noncurrent loans to loans | 0.6173% | 1,213 |
| Net loans and leases to total assets | 21.3100% | 4,503 |
| Net loans and leases to deposits | 22.2356% | 4,522 |
| Net loans and leases to core deposits | 23.2315% | 4,514 |
| Total domestic deposits to total assets | 95.8500% | 60 |
| Equity capital to assets | 3.7256% | 4,560 |
| Core capital (leverage) ratio | 13.6344% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $117,424,000 | 3,747 |
| Average earning assets | $111,377,500 | 3,706 |
| Average equity | $3,851,500 | 4,467 |
| Average total loans | $25,398,000 | 4,299 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7172% | 4,395 |
| Cost of funding earning assets | 0.2874% | 2,981 |
| Net interest margin | 2.4298% | 4,344 |
| Noninterest income to average assets | 0.4200% | 2,575 |
| Noninterest expense to average assets | 2.0315% | 3,495 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6828% | 3,664 |
| Return on assets (ROA) | 0.6828% | 3,617 |
| Pretax return on assets | 0.6828% | 3,886 |
| Return on Equity (ROE) | 11.3500% | 2,363 |
| Retained earnings to average equity (ytd only) | 7.1223% | 2,188 |
| Net charge-offs to loans | 0.0078% | 2,106 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 403.0000% | 383 |
| Efficiency ratio | 74.8439% | 1,135 |
| Assets per employee ($millions) | 5.3189% | 3,399 |
| Cash dividends to net income (ytd only)* | 37.2208% | 2,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5680% | 200 |
| Loan loss allowance to noncurrent loans | 385.0299% | 1,879 |
| Noncurrent assets plus other real estate owned to assets | 0.1427% | 2,536 |
| Noncurrent loans to loans | 0.6670% | 1,118 |
| Net loans and leases to total assets | 20.8500% | 4,544 |
| Net loans and leases to deposits | 21.5488% | 4,563 |
| Net loans and leases to core deposits | 22.3439% | 4,549 |
| Total domestic deposits to total assets | 96.7500% | 57 |
| Equity capital to assets | 2.8313% | 4,616 |
| Core capital (leverage) ratio | 13.9947% | 721 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $118,043,600 | 3,745 |
| Average earning assets | $111,327,200 | 3,709 |
| Average equity | $7,104,400 | 4,198 |
| Average total loans | $25,727,000 | 4,312 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6510% | 4,341 |
| Cost of funding earning assets | 0.2564% | 2,641 |
| Net interest margin | 2.3946% | 4,329 |
| Noninterest income to average assets | 0.4100% | 2,683 |
| Noninterest expense to average assets | 1.6838% | 4,177 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9817% | 2,538 |
| Return on assets (ROA) | 0.9817% | 2,518 |
| Pretax return on assets | 0.9817% | 3,071 |
| Return on Equity (ROE) | 14.4200% | 1,316 |
| Retained earnings to average equity (ytd only) | 11.1105% | 1,025 |
| Net charge-offs to loans | 0.0103% | 1,731 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 435.5000% | 357 |
| Efficiency ratio | 63.1712% | 2,662 |
| Assets per employee ($millions) | 5.1177% | 3,575 |
| Cash dividends to net income (ytd only)* | 22.9621% | 2,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5268% | 226 |
| Loan loss allowance to noncurrent loans | 373.8372% | 1,909 |
| Noncurrent assets plus other real estate owned to assets | 0.1600% | 2,497 |
| Noncurrent loans to loans | 0.6759% | 1,205 |
| Net loans and leases to total assets | 23.0800% | 4,559 |
| Net loans and leases to deposits | 23.9627% | 4,581 |
| Net loans and leases to core deposits | 24.9332% | 4,572 |
| Total domestic deposits to total assets | 96.3100% | 105 |
| Equity capital to assets | 3.2474% | 4,572 |
| Core capital (leverage) ratio | 13.5100% | 779 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $118,300,750 | 3,770 |
| Average earning assets | $111,301,500 | 3,737 |
| Average equity | $8,052,250 | 4,129 |
| Average total loans | $25,899,000 | 4,340 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5226% | 4,356 |
| Cost of funding earning assets | 0.2502% | 2,269 |
| Net interest margin | 2.2724% | 4,358 |
| Noninterest income to average assets | 0.3987% | 2,770 |
| Noninterest expense to average assets | 1.6504% | 4,211 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8793% | 2,671 |
| Return on assets (ROA) | 0.8793% | 2,647 |
| Pretax return on assets | 0.8793% | 3,120 |
| Return on Equity (ROE) | 11.1982% | 1,923 |
| Retained earnings to average equity (ytd only) | 9.1090% | 1,254 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2399% | 2,614 |
| Assets per employee ($millions) | 5.6479% | 3,090 |
| Cash dividends to net income (ytd only)* | 18.6567% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4425% | 278 |
| Loan loss allowance to noncurrent loans | 370.6897% | 1,878 |
| Noncurrent assets plus other real estate owned to assets | 0.1467% | 2,694 |
| Noncurrent loans to loans | 0.6589% | 1,304 |
| Net loans and leases to total assets | 21.7208% | 4,636 |
| Net loans and leases to deposits | 22.9813% | 4,656 |
| Net loans and leases to core deposits | 23.8374% | 4,651 |
| Total domestic deposits to total assets | 94.5154% | 199 |
| Equity capital to assets | 5.1001% | 4,453 |
| Core capital (leverage) ratio | 12.5773% | 947 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,910,333 | 3,781 |
| Average earning assets | $114,327,000 | 3,763 |
| Average equity | $9,573,000 | 4,042 |
| Average total loans | $26,049,667 | 4,393 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4747% | 4,299 |
| Cost of funding earning assets | 0.2454% | 2,212 |
| Net interest margin | 2.2293% | 4,314 |
| Noninterest income to average assets | 0.3885% | 2,767 |
| Noninterest expense to average assets | 1.6154% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8611% | 2,448 |
| Return on assets (ROA) | 0.8611% | 2,439 |
| Pretax return on assets | 0.8611% | 2,907 |
| Return on Equity (ROE) | 9.3869% | 2,189 |
| Retained earnings to average equity (ytd only) | 9.3869% | 1,167 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2288% | 2,870 |
| Assets per employee ($millions) | 5.7202% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5095% | 284 |
| Loan loss allowance to noncurrent loans | 375.0000% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.1432% | 2,791 |
| Noncurrent loans to loans | 0.6692% | 1,418 |
| Net loans and leases to total assets | 20.8593% | 4,656 |
| Net loans and leases to deposits | 22.7190% | 4,673 |
| Net loans and leases to core deposits | 23.1437% | 4,673 |
| Total domestic deposits to total assets | 91.8143% | 653 |
| Equity capital to assets | 7.8169% | 3,716 |
| Core capital (leverage) ratio | 12.3157% | 967 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $123,563,000 | 3,786 |
| Average earning assets | $115,733,500 | 3,771 |
| Average equity | $11,335,000 | 3,923 |
| Average total loans | $25,871,000 | 4,413 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0057% | 3,864 |
| Cost of funding earning assets | 0.3324% | 2,097 |
| Net interest margin | 2.6733% | 3,925 |
| Noninterest income to average assets | 0.4526% | 2,804 |
| Noninterest expense to average assets | 2.0251% | 3,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9180% | 2,978 |
| Return on assets (ROA) | 0.9180% | 3,038 |
| Pretax return on assets | 0.9180% | 3,462 |
| Return on Equity (ROE) | 7.9483% | 3,236 |
| Retained earnings to average equity (ytd only) | 4.9853% | 2,788 |
| Net charge-offs to loans | 0.2479% | 372 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 16.2576% | 1,984 |
| Efficiency ratio | 68.8081% | 1,880 |
| Assets per employee ($millions) | 5.5218% | 3,239 |
| Cash dividends to net income (ytd only)* | 37.2787% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4770% | 290 |
| Loan loss allowance to noncurrent loans | 356.3536% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 2,939 |
| Noncurrent loans to loans | 0.6951% | 1,449 |
| Net loans and leases to total assets | 19.9957% | 4,715 |
| Net loans and leases to deposits | 22.4185% | 4,723 |
| Net loans and leases to core deposits | 22.8778% | 4,723 |
| Total domestic deposits to total assets | 89.1931% | 1,421 |
| Equity capital to assets | 10.4565% | 2,213 |
| Core capital (leverage) ratio | 12.5430% | 914 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $116,881,600 | 3,835 |
| Average earning assets | $108,893,600 | 3,822 |
| Average equity | $13,499,800 | 3,791 |
| Average total loans | $26,625,800 | 4,444 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2098% | 3,588 |
| Cost of funding earning assets | 0.3565% | 2,050 |
| Net interest margin | 2.8533% | 3,645 |
| Noninterest income to average assets | 0.4722% | 2,745 |
| Noninterest expense to average assets | 1.7361% | 4,272 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3957% | 1,561 |
| Return on assets (ROA) | 1.3957% | 1,621 |
| Pretax return on assets | 1.3957% | 2,352 |
| Return on Equity (ROE) | 11.7742% | 2,127 |
| Retained earnings to average equity (ytd only) | 8.8233% | 1,761 |
| Net charge-offs to loans | 0.3187% | 242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 18.7031% | 1,776 |
| Efficiency ratio | 55.4356% | 3,599 |
| Assets per employee ($millions) | 5.0837% | 3,621 |
| Cash dividends to net income (ytd only)* | 25.0627% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4507% | 308 |
| Loan loss allowance to noncurrent loans | 335.2332% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.1651% | 3,017 |
| Noncurrent loans to loans | 0.7310% | 1,531 |
| Net loans and leases to total assets | 22.0261% | 4,771 |
| Net loans and leases to deposits | 25.1516% | 4,779 |
| Net loans and leases to core deposits | 25.7257% | 4,780 |
| Total domestic deposits to total assets | 87.5732% | 2,079 |
| Equity capital to assets | 12.0530% | 1,375 |
| Core capital (leverage) ratio | 12.7239% | 920 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,351,500 | 3,903 |
| Average earning assets | $106,589,000 | 3,886 |
| Average equity | $13,554,750 | 3,836 |
| Average total loans | $26,772,250 | 4,499 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 3,809 |
| Cost of funding earning assets | 0.3730% | 2,106 |
| Net interest margin | 2.7548% | 3,881 |
| Noninterest income to average assets | 0.4828% | 2,701 |
| Noninterest expense to average assets | 1.7305% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.3164% | 1,815 |
| Return on assets (ROA) | 1.3164% | 1,883 |
| Pretax return on assets | 1.3164% | 2,585 |
| Return on Equity (ROE) | 11.1698% | 2,367 |
| Retained earnings to average equity (ytd only) | 8.1792% | 2,011 |
| Net charge-offs to loans | 0.4759% | 175 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 11.6719% | 1,746 |
| Efficiency ratio | 56.7958% | 3,432 |
| Assets per employee ($millions) | 5.3000% | 3,350 |
| Cash dividends to net income (ytd only)* | 26.7738% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4161% | 307 |
| Loan loss allowance to noncurrent loans | 336.9792% | 1,730 |
| Noncurrent assets plus other real estate owned to assets | 0.1647% | 3,160 |
| Noncurrent loans to loans | 0.7170% | 1,649 |
| Net loans and leases to total assets | 22.4115% | 4,801 |
| Net loans and leases to deposits | 25.5332% | 4,815 |
| Net loans and leases to core deposits | 26.1815% | 4,816 |
| Total domestic deposits to total assets | 87.7737% | 1,945 |
| Equity capital to assets | 11.6766% | 1,534 |
| Core capital (leverage) ratio | 12.5082% | 928 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,493,667 | 3,929 |
| Average earning assets | $105,635,000 | 3,917 |
| Average equity | $13,375,333 | 3,857 |
| Average total loans | $26,896,000 | 4,528 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4592% | 3,050 |
| Cost of funding earning assets | 0.3968% | 2,126 |
| Net interest margin | 3.0624% | 3,100 |
| Noninterest income to average assets | 0.4431% | 2,856 |
| Noninterest expense to average assets | 1.7331% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.5508% | 1,216 |
| Return on assets (ROA) | 1.5508% | 1,281 |
| Pretax return on assets | 1.5508% | 1,854 |
| Return on Equity (ROE) | 13.0965% | 1,648 |
| Retained earnings to average equity (ytd only) | 10.0788% | 1,628 |
| Net charge-offs to loans | 0.9943% | 78 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 6.4776% | 1,647 |
| Efficiency ratio | 52.7748% | 3,932 |
| Assets per employee ($millions) | 5.1866% | 3,447 |
| Cash dividends to net income (ytd only)* | 23.0415% | 1,915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4437% | 283 |
| Loan loss allowance to noncurrent loans | 286.2222% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 3,179 |
| Noncurrent loans to loans | 0.8538% | 1,572 |
| Net loans and leases to total assets | 22.5308% | 4,832 |
| Net loans and leases to deposits | 25.4981% | 4,841 |
| Net loans and leases to core deposits | 26.1536% | 4,847 |
| Total domestic deposits to total assets | 88.3626% | 1,673 |
| Equity capital to assets | 11.1835% | 1,735 |
| Core capital (leverage) ratio | 12.8591% | 875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,940,000 | 3,954 |
| Average earning assets | $103,840,000 | 3,938 |
| Average equity | $13,255,500 | 3,876 |
| Average total loans | $26,954,500 | 4,552 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 4,425 |
| Cost of funding earning assets | 0.4794% | 3,085 |
| Net interest margin | 2.7431% | 4,330 |
| Noninterest income to average assets | 0.4462% | 2,879 |
| Noninterest expense to average assets | 2.2929% | 3,422 |
| Loan and lease loss provision to assets | -0.4771% | 4,999 |
| Net operating income to assets | 1.1897% | 1,583 |
| Return on assets (ROA) | 1.1897% | 1,696 |
| Pretax return on assets | 1.1897% | 2,363 |
| Return on Equity (ROE) | 8.6955% | 2,521 |
| Retained earnings to average equity (ytd only) | 5.7897% | 1,905 |
| Net charge-offs to loans | -0.0689% | 4,737 |
| Credit loss provision to net charge-offs | 2,526.3158% | 371 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2897% | 1,190 |
| Assets per employee ($millions) | 4.9897% | 3,404 |
| Cash dividends to net income (ytd only)* | 33.4169% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5802% | 235 |
| Loan loss allowance to noncurrent loans | 197.5000% | 2,363 |
| Noncurrent assets plus other real estate owned to assets | 0.3279% | 2,681 |
| Noncurrent loans to loans | 1.3064% | 1,042 |
| Net loans and leases to total assets | 24.4548% | 4,849 |
| Net loans and leases to deposits | 28.0785% | 4,858 |
| Net loans and leases to core deposits | 28.8473% | 4,862 |
| Total domestic deposits to total assets | 87.0944% | 1,896 |
| Equity capital to assets | 12.5257% | 1,311 |
| Core capital (leverage) ratio | 13.4941% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,617,000 | 3,986 |
| Average earning assets | $93,870,600 | 3,976 |
| Average equity | $13,765,800 | 3,792 |
| Average total loans | $27,568,400 | 4,565 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3792% | 4,376 |
| Cost of funding earning assets | 0.5003% | 3,222 |
| Net interest margin | 2.8789% | 4,212 |
| Noninterest income to average assets | 0.4515% | 2,843 |
| Noninterest expense to average assets | 1.8902% | 4,344 |
| Loan and lease loss provision to assets | -0.6509% | 5,032 |
| Net operating income to assets | 1.9119% | 362 |
| Return on assets (ROA) | 1.9119% | 395 |
| Pretax return on assets | 1.9119% | 613 |
| Return on Equity (ROE) | 13.6528% | 946 |
| Retained earnings to average equity (ytd only) | 10.7479% | 620 |
| Net charge-offs to loans | -0.0870% | 4,799 |
| Credit loss provision to net charge-offs | 2,666.6667% | 381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9828% | 3,391 |
| Assets per employee ($millions) | 4.5716% | 3,754 |
| Cash dividends to net income (ytd only)* | 21.2766% | 2,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4954% | 232 |
| Loan loss allowance to noncurrent loans | 180.6616% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 2,610 |
| Noncurrent loans to loans | 1.3813% | 1,054 |
| Net loans and leases to total assets | 27.5834% | 4,857 |
| Net loans and leases to deposits | 32.2446% | 4,876 |
| Net loans and leases to core deposits | 33.2283% | 4,877 |
| Total domestic deposits to total assets | 85.5441% | 2,238 |
| Equity capital to assets | 14.0512% | 845 |
| Core capital (leverage) ratio | 14.1619% | 677 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,327,750 | 4,011 |
| Average earning assets | $92,209,250 | 3,996 |
| Average equity | $13,769,750 | 3,786 |
| Average total loans | $27,571,500 | 4,591 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5718% | 4,311 |
| Cost of funding earning assets | 0.5059% | 3,496 |
| Net interest margin | 3.0659% | 3,977 |
| Noninterest income to average assets | 0.4427% | 2,842 |
| Noninterest expense to average assets | 1.8693% | 4,463 |
| Loan and lease loss provision to assets | -0.9838% | 5,065 |
| Net operating income to assets | 2.4391% | 154 |
| Return on assets (ROA) | 2.4391% | 169 |
| Pretax return on assets | 2.4391% | 237 |
| Return on Equity (ROE) | 17.4372% | 411 |
| Retained earnings to average equity (ytd only) | 14.5066% | 246 |
| Net charge-offs to loans | -0.1320% | 4,894 |
| Credit loss provision to net charge-offs | 2,666.6667% | 393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2269% | 3,913 |
| Assets per employee ($millions) | 4.2895% | 4,013 |
| Cash dividends to net income (ytd only)* | 16.8067% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4925% | 225 |
| Loan loss allowance to noncurrent loans | 142.5703% | 2,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5048% | 2,326 |
| Noncurrent loans to loans | 1.7482% | 817 |
| Net loans and leases to total assets | 28.1535% | 4,886 |
| Net loans and leases to deposits | 33.0187% | 4,901 |
| Net loans and leases to core deposits | 33.5495% | 4,909 |
| Total domestic deposits to total assets | 85.2654% | 2,280 |
| Equity capital to assets | 14.3585% | 765 |
| Core capital (leverage) ratio | 14.3342% | 683 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,578,667 | 4,029 |
| Average earning assets | $91,719,000 | 4,001 |
| Average equity | $13,649,000 | 3,809 |
| Average total loans | $27,278,000 | 4,614 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 4,278 |
| Cost of funding earning assets | 0.5079% | 3,909 |
| Net interest margin | 3.2552% | 3,703 |
| Noninterest income to average assets | 0.4328% | 2,892 |
| Noninterest expense to average assets | 1.8302% | 4,628 |
| Loan and lease loss provision to assets | -1.9786% | 5,114 |
| Net operating income to assets | 3.6192% | 44 |
| Return on assets (ROA) | 3.6192% | 46 |
| Pretax return on assets | 3.6192% | 57 |
| Return on Equity (ROE) | 26.2275% | 52 |
| Retained earnings to average equity (ytd only) | 23.2404% | 40 |
| Net charge-offs to loans | -0.0750% | 4,753 |
| Credit loss provision to net charge-offs | 9,600.0000% | 80 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7316% | 4,490 |
| Assets per employee ($millions) | 4.2857% | 3,550 |
| Cash dividends to net income (ytd only)* | 11.3895% | 2,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6769% | 198 |
| Loan loss allowance to noncurrent loans | 1,548.8889% | 379 |
| Noncurrent assets plus other real estate owned to assets | 0.0477% | 4,367 |
| Noncurrent loans to loans | 0.1728% | 3,851 |
| Net loans and leases to total assets | 26.8770% | 4,950 |
| Net loans and leases to deposits | 31.7151% | 4,956 |
| Net loans and leases to core deposits | 31.9462% | 4,965 |
| Total domestic deposits to total assets | 84.7452% | 2,515 |
| Equity capital to assets | 14.8581% | 789 |
| Core capital (leverage) ratio | 14.7528% | 728 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.9811% | 234 |
| Memoranda: | ||
| Average total assets | $97,038,500 | 4,033 |
| Average earning assets | $90,564,000 | 4,017 |
| Average equity | $13,390,500 | 3,846 |
| Average total loans | $26,674,000 | 4,663 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7678% | 4,611 |
| Cost of funding earning assets | 0.4761% | 4,185 |
| Net interest margin | 3.2917% | 4,013 |
| Noninterest income to average assets | 0.4239% | 3,149 |
| Noninterest expense to average assets | 2.3724% | 3,761 |
| Loan and lease loss provision to assets | 2.4370% | 31 |
| Net operating income to assets | -1.2779% | 5,107 |
| Return on assets (ROA) | -1.2850% | 5,111 |
| Pretax return on assets | -1.2850% | 5,110 |
| Return on Equity (ROE) | -9.2101% | 5,116 |
| Retained earnings to average equity (ytd only) | -12.1455% | 5,090 |
| Net charge-offs to loans | 6.7007% | 6 |
| Credit loss provision to net charge-offs | 122.8704% | 2,070 |
| Earnings coverage of net charge-offs (x) | 0.5844% | 3,607 |
| Efficiency ratio | 67.1789% | 2,586 |
| Assets per employee ($millions) | 4.7520% | 2,892 |
| Cash dividends to net income (ytd only)* | -31.8725% | 5,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2915% | 51 |
| Loan loss allowance to noncurrent loans | 243.1535% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4830% | 2,478 |
| Noncurrent loans to loans | 1.7649% | 771 |
| Net loans and leases to total assets | 26.1925% | 5,019 |
| Net loans and leases to deposits | 30.1713% | 5,033 |
| Net loans and leases to core deposits | 30.2593% | 5,046 |
| Total domestic deposits to total assets | 86.8126% | 1,703 |
| Equity capital to assets | 12.7986% | 1,642 |
| Core capital (leverage) ratio | 13.9933% | 930 |
| Tier 1 risk-based capital ratio | 35.6597% | 317 |
| Total risk-based capital ratio | 36.9340% | 310 |
| Memoranda: | ||
| Average total assets | $97,662,800 | 4,038 |
| Average earning assets | $92,201,600 | 4,012 |
| Average equity | $13,626,400 | 3,803 |
| Average total loans | $28,907,400 | 4,663 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 4,675 |
| Cost of funding earning assets | 0.4738% | 4,249 |
| Net interest margin | 3.3297% | 4,043 |
| Noninterest income to average assets | 0.4324% | 3,125 |
| Noninterest expense to average assets | 1.8559% | 4,754 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7310% | 702 |
| Return on assets (ROA) | 1.7214% | 754 |
| Pretax return on assets | 1.7214% | 1,280 |
| Return on Equity (ROE) | 12.0806% | 1,593 |
| Retained earnings to average equity (ytd only) | 8.2272% | 1,305 |
| Net charge-offs to loans | -0.1137% | 5,012 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7413% | 4,619 |
| Assets per employee ($millions) | 4.1755% | 3,654 |
| Cash dividends to net income (ytd only)* | 31.8979% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5756% | 203 |
| Loan loss allowance to noncurrent loans | 31.1184% | 4,490 |
| Noncurrent assets plus other real estate owned to assets | 2.6377% | 240 |
| Noncurrent loans to loans | 8.2767% | 44 |
| Net loans and leases to total assets | 31.0477% | 5,039 |
| Net loans and leases to deposits | 37.4616% | 5,042 |
| Net loans and leases to core deposits | 37.5855% | 5,061 |
| Total domestic deposits to total assets | 82.8787% | 3,204 |
| Equity capital to assets | 16.7011% | 523 |
| Core capital (leverage) ratio | 16.5814% | 488 |
| Tier 1 risk-based capital ratio | 33.5943% | 382 |
| Total risk-based capital ratio | 34.8492% | 378 |
| Memoranda: | ||
| Average total assets | $97,130,500 | 4,088 |
| Average earning assets | $92,017,000 | 4,054 |
| Average equity | $13,840,000 | 3,810 |
| Average total loans | $29,306,750 | 4,722 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9545% | 4,473 |
| Cost of funding earning assets | 0.4641% | 4,263 |
| Net interest margin | 3.4904% | 3,629 |
| Noninterest income to average assets | 0.4166% | 3,160 |
| Noninterest expense to average assets | 1.8284% | 4,842 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8890% | 491 |
| Return on assets (ROA) | 1.8890% | 515 |
| Pretax return on assets | 1.8890% | 853 |
| Return on Equity (ROE) | 14.0037% | 980 |
| Retained earnings to average equity (ytd only) | 9.5057% | 907 |
| Net charge-offs to loans | -0.1501% | 5,082 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1839% | 4,828 |
| Assets per employee ($millions) | 4.5803% | 3,025 |
| Cash dividends to net income (ytd only)* | 32.1199% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5687% | 206 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 29.6152% | 5,104 |
| Net loans and leases to deposits | 35.4603% | 5,117 |
| Net loans and leases to core deposits | 35.5728% | 5,128 |
| Total domestic deposits to total assets | 83.5165% | 3,044 |
| Equity capital to assets | 15.6882% | 674 |
| Core capital (leverage) ratio | 15.8682% | 566 |
| Tier 1 risk-based capital ratio | 33.3153% | 385 |
| Total risk-based capital ratio | 34.5710% | 376 |
| Memoranda: | ||
| Average total assets | $98,886,670 | 4,087 |
| Average earning assets | $93,514,330 | 4,045 |
| Average equity | $13,339,330 | 3,880 |
| Average total loans | $29,317,330 | 4,756 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9029% | 4,548 |
| Cost of funding earning assets | 0.4520% | 4,277 |
| Net interest margin | 3.4510% | 3,745 |
| Noninterest income to average assets | 0.3991% | 3,187 |
| Noninterest expense to average assets | 1.6840% | 5,032 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9753% | 406 |
| Return on assets (ROA) | 1.9753% | 421 |
| Pretax return on assets | 1.9753% | 669 |
| Return on Equity (ROE) | 15.8858% | 604 |
| Retained earnings to average equity (ytd only) | 12.6765% | 515 |
| Net charge-offs to loans | -0.3270% | 5,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0196% | 5,028 |
| Assets per employee ($millions) | 4.7476% | 2,851 |
| Cash dividends to net income (ytd only)* | 20.2020% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6030% | 217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 28.2598% | 5,177 |
| Net loans and leases to deposits | 32.7050% | 5,183 |
| Net loans and leases to core deposits | 32.9174% | 5,204 |
| Total domestic deposits to total assets | 86.4082% | 2,108 |
| Equity capital to assets | 13.2076% | 1,345 |
| Core capital (leverage) ratio | 15.4308% | 610 |
| Tier 1 risk-based capital ratio | 32.2397% | 407 |
| Total risk-based capital ratio | 33.4931% | 402 |
| Memoranda: | ||
| Average total assets | $100,236,500 | 4,107 |
| Average earning assets | $94,698,000 | 4,061 |
| Average equity | $12,464,000 | 4,007 |
| Average total loans | $29,357,500 | 4,803 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9219% | 4,229 |
| Cost of funding earning assets | 0.4350% | 3,769 |
| Net interest margin | 3.4869% | 3,747 |
| Noninterest income to average assets | 0.4387% | 3,177 |
| Noninterest expense to average assets | 2.3246% | 4,069 |
| Loan and lease loss provision to assets | 0.1025% | 2,145 |
| Net operating income to assets | 1.2976% | 1,812 |
| Return on assets (ROA) | 1.2997% | 1,790 |
| Pretax return on assets | 1.2997% | 2,501 |
| Return on Equity (ROE) | 10.7505% | 2,184 |
| Retained earnings to average equity (ytd only) | 3.1200% | 3,831 |
| Net charge-offs to loans | 0.1332% | 1,420 |
| Credit loss provision to net charge-offs | 263.1579% | 1,139 |
| Earnings coverage of net charge-offs (x) | 35.9474% | 1,420 |
| Efficiency ratio | 62.4106% | 3,450 |
| Assets per employee ($millions) | 4.5806% | 3,047 |
| Cash dividends to net income (ytd only)* | 70.9779% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4474% | 243 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 28.8351% | 5,225 |
| Net loans and leases to deposits | 32.7931% | 5,235 |
| Net loans and leases to core deposits | 32.9995% | 5,251 |
| Total domestic deposits to total assets | 87.9303% | 1,326 |
| Equity capital to assets | 11.6698% | 2,122 |
| Core capital (leverage) ratio | 15.6646% | 575 |
| Tier 1 risk-based capital ratio | 30.8460% | 433 |
| Total risk-based capital ratio | 32.1001% | 429 |
| Memoranda: | ||
| Average total assets | $97,564,000 | 4,142 |
| Average earning assets | $91,944,200 | 4,109 |
| Average equity | $11,794,800 | 4,049 |
| Average total loans | $28,527,400 | 4,857 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9430% | 4,099 |
| Cost of funding earning assets | 0.4328% | 3,646 |
| Net interest margin | 3.5103% | 3,659 |
| Noninterest income to average assets | 0.4423% | 3,219 |
| Noninterest expense to average assets | 1.8629% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.8878% | 501 |
| Return on assets (ROA) | 1.8878% | 503 |
| Pretax return on assets | 1.8878% | 837 |
| Return on Equity (ROE) | 15.4752% | 787 |
| Retained earnings to average equity (ytd only) | 10.9569% | 659 |
| Net charge-offs to loans | 0.1607% | 1,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 40.2961% | 1,349 |
| Efficiency ratio | 49.6694% | 4,960 |
| Assets per employee ($millions) | 4.1729% | 3,614 |
| Cash dividends to net income (ytd only)* | 29.1971% | 2,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1802% | 376 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 30.9369% | 5,258 |
| Net loans and leases to deposits | 35.6501% | 5,276 |
| Net loans and leases to core deposits | 36.0190% | 5,298 |
| Total domestic deposits to total assets | 86.7793% | 1,834 |
| Equity capital to assets | 12.4419% | 1,628 |
| Core capital (leverage) ratio | 16.4749% | 456 |
| Tier 1 risk-based capital ratio | 33.7746% | 353 |
| Total risk-based capital ratio | 35.0262% | 344 |
| Memoranda: | ||
| Average total assets | $96,761,750 | 4,197 |
| Average earning assets | $91,196,500 | 4,164 |
| Average equity | $11,803,500 | 4,094 |
| Average total loans | $28,212,500 | 4,917 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9051% | 4,069 |
| Cost of funding earning assets | 0.4296% | 3,499 |
| Net interest margin | 3.4755% | 3,715 |
| Noninterest income to average assets | 0.4430% | 3,200 |
| Noninterest expense to average assets | 1.8696% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.8453% | 528 |
| Return on assets (ROA) | 1.8453% | 531 |
| Pretax return on assets | 1.8453% | 881 |
| Return on Equity (ROE) | 15.2213% | 810 |
| Retained earnings to average equity (ytd only) | 10.1922% | 875 |
| Net charge-offs to loans | -0.0143% | 4,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3282% | 5,007 |
| Assets per employee ($millions) | 4.3659% | 3,330 |
| Cash dividends to net income (ytd only)* | 33.0396% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3446% | 296 |
| Loan loss allowance to noncurrent loans | 11,150.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 5,017 |
| Noncurrent loans to loans | 0.0210% | 4,839 |
| Net loans and leases to total assets | 29.0109% | 5,346 |
| Net loans and leases to deposits | 33.2542% | 5,359 |
| Net loans and leases to core deposits | 33.5804% | 5,371 |
| Total domestic deposits to total assets | 87.2400% | 1,745 |
| Equity capital to assets | 12.3394% | 1,639 |
| Core capital (leverage) ratio | 15.3989% | 590 |
| Tier 1 risk-based capital ratio | 39.6914% | 233 |
| Total risk-based capital ratio | 40.9470% | 230 |
| Memoranda: | ||
| Average total assets | $98,414,670 | 4,202 |
| Average earning assets | $92,648,330 | 4,168 |
| Average equity | $11,930,670 | 4,094 |
| Average total loans | $27,938,670 | 4,972 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8366% | 4,120 |
| Cost of funding earning assets | 0.4239% | 3,412 |
| Net interest margin | 3.4127% | 3,842 |
| Noninterest income to average assets | 0.4458% | 3,141 |
| Noninterest expense to average assets | 1.8796% | 5,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7671% | 596 |
| Return on assets (ROA) | 1.7671% | 604 |
| Pretax return on assets | 1.7671% | 969 |
| Return on Equity (ROE) | 14.7034% | 856 |
| Retained earnings to average equity (ytd only) | 11.3617% | 811 |
| Net charge-offs to loans | 0.0145% | 2,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 440.0000% | 148 |
| Efficiency ratio | 51.5419% | 4,996 |
| Assets per employee ($millions) | 4.4646% | 3,216 |
| Cash dividends to net income (ytd only)* | 22.7273% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3439% | 306 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 28.2503% | 5,406 |
| Net loans and leases to deposits | 32.2228% | 5,414 |
| Net loans and leases to core deposits | 32.4166% | 5,432 |
| Total domestic deposits to total assets | 87.6718% | 1,802 |
| Equity capital to assets | 11.9260% | 1,845 |
| Core capital (leverage) ratio | 15.0860% | 645 |
| Tier 1 risk-based capital ratio | 31.3859% | 425 |
| Total risk-based capital ratio | 32.6389% | 416 |
| Memoranda: | ||
| Average total assets | $99,597,000 | 4,226 |
| Average earning assets | $93,417,000 | 4,198 |
| Average equity | $11,970,000 | 4,127 |
| Average total loans | $27,641,000 | 5,030 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7269% | 4,273 |
| Cost of funding earning assets | 0.4460% | 2,816 |
| Net interest margin | 3.2810% | 4,212 |
| Noninterest income to average assets | 0.5442% | 2,752 |
| Noninterest expense to average assets | 2.4723% | 3,873 |
| Loan and lease loss provision to assets | 0.0785% | 2,626 |
| Net operating income to assets | 1.0781% | 1,948 |
| Return on assets (ROA) | 1.0781% | 1,966 |
| Pretax return on assets | 1.0781% | 3,270 |
| Return on Equity (ROE) | 8.2047% | 2,695 |
| Retained earnings to average equity (ytd only) | 1.5246% | 4,387 |
| Net charge-offs to loans | 0.1614% | 1,509 |
| Credit loss provision to net charge-offs | 190.0000% | 1,437 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,616 |
| Efficiency ratio | 68.1275% | 2,873 |
| Assets per employee ($millions) | 4.0389% | 3,902 |
| Cash dividends to net income (ytd only)* | 81.4176% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4825% | 251 |
| Loan loss allowance to noncurrent loans | 9,528.5714% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 5,145 |
| Noncurrent loans to loans | 0.0261% | 4,900 |
| Net loans and leases to total assets | 25.9488% | 5,503 |
| Net loans and leases to deposits | 29.6505% | 5,521 |
| Net loans and leases to core deposits | 29.8237% | 5,532 |
| Total domestic deposits to total assets | 87.5154% | 1,755 |
| Equity capital to assets | 12.1083% | 1,758 |
| Core capital (leverage) ratio | 15.0270% | 614 |
| Tier 1 risk-based capital ratio | 31.4267% | 406 |
| Total risk-based capital ratio | 32.6782% | 403 |
| Memoranda: | ||
| Average total assets | $96,834,400 | 4,296 |
| Average earning assets | $91,040,600 | 4,264 |
| Average equity | $12,724,400 | 4,027 |
| Average total loans | $24,789,200 | 5,164 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7300% | 4,239 |
| Cost of funding earning assets | 0.4559% | 2,654 |
| Net interest margin | 3.2741% | 4,246 |
| Noninterest income to average assets | 0.5400% | 2,781 |
| Noninterest expense to average assets | 2.0389% | 4,874 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.5894% | 740 |
| Return on assets (ROA) | 1.5894% | 757 |
| Pretax return on assets | 1.5894% | 1,462 |
| Return on Equity (ROE) | 11.8502% | 1,382 |
| Retained earnings to average equity (ytd only) | 7.6995% | 1,345 |
| Net charge-offs to loans | 0.2307% | 936 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 27.1898% | 1,648 |
| Efficiency ratio | 56.1949% | 4,717 |
| Assets per employee ($millions) | 3.8949% | 4,169 |
| Cash dividends to net income (ytd only)* | 35.0262% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1946% | 412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 28.0804% | 5,533 |
| Net loans and leases to deposits | 32.9476% | 5,545 |
| Net loans and leases to core deposits | 33.1607% | 5,563 |
| Total domestic deposits to total assets | 85.2275% | 2,629 |
| Equity capital to assets | 14.3938% | 886 |
| Core capital (leverage) ratio | 15.9135% | 502 |
| Tier 1 risk-based capital ratio | 33.6310% | 360 |
| Total risk-based capital ratio | 34.8810% | 356 |
| Memoranda: | ||
| Average total assets | $95,800,000 | 4,355 |
| Average earning assets | $90,364,250 | 4,325 |
| Average equity | $12,849,000 | 4,044 |
| Average total loans | $24,269,500 | 5,237 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6757% | 4,297 |
| Cost of funding earning assets | 0.4573% | 2,531 |
| Net interest margin | 3.2184% | 4,356 |
| Noninterest income to average assets | 0.4825% | 3,132 |
| Noninterest expense to average assets | 2.0440% | 4,890 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4704% | 917 |
| Return on assets (ROA) | 1.4704% | 937 |
| Pretax return on assets | 1.4704% | 1,757 |
| Return on Equity (ROE) | 11.2280% | 1,558 |
| Retained earnings to average equity (ytd only) | 6.4838% | 1,855 |
| Net charge-offs to loans | 0.2050% | 987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 29.5833% | 1,474 |
| Efficiency ratio | 58.1615% | 4,568 |
| Assets per employee ($millions) | 3.8262% | 4,240 |
| Cash dividends to net income (ytd only)* | 42.2535% | 2,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5658% | 264 |
| Loan loss allowance to noncurrent loans | 4,669.2308% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 5,238 |
| Noncurrent loans to loans | 0.0550% | 4,915 |
| Net loans and leases to total assets | 24.0973% | 5,646 |
| Net loans and leases to deposits | 28.1747% | 5,651 |
| Net loans and leases to core deposits | 28.3518% | 5,663 |
| Total domestic deposits to total assets | 85.5280% | 2,604 |
| Equity capital to assets | 14.1280% | 927 |
| Core capital (leverage) ratio | 15.2035% | 598 |
| Tier 1 risk-based capital ratio | 34.3483% | 321 |
| Total risk-based capital ratio | 35.5999% | 314 |
| Memoranda: | ||
| Average total assets | $96,574,000 | 4,367 |
| Average earning assets | $90,977,000 | 4,331 |
| Average equity | $12,647,000 | 4,089 |
| Average total loans | $23,413,330 | 5,303 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6834% | 4,157 |
| Cost of funding earning assets | 0.4604% | 2,426 |
| Net interest margin | 3.2230% | 4,269 |
| Noninterest income to average assets | 0.4370% | 3,400 |
| Noninterest expense to average assets | 1.9828% | 5,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.4840% | 843 |
| Return on assets (ROA) | 1.4840% | 867 |
| Pretax return on assets | 1.4840% | 1,588 |
| Return on Equity (ROE) | 11.7902% | 1,307 |
| Retained earnings to average equity (ytd only) | 8.5152% | 1,272 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1938% | 4,813 |
| Assets per employee ($millions) | 4.0555% | 3,916 |
| Cash dividends to net income (ytd only)* | 27.7778% | 2,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7331% | 243 |
| Loan loss allowance to noncurrent loans | 328.6458% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 4,447 |
| Noncurrent loans to loans | 0.8316% | 2,376 |
| Net loans and leases to total assets | 23.0718% | 5,712 |
| Net loans and leases to deposits | 26.5843% | 5,719 |
| Net loans and leases to core deposits | 26.8256% | 5,723 |
| Total domestic deposits to total assets | 86.7874% | 2,315 |
| Equity capital to assets | 12.8993% | 1,300 |
| Core capital (leverage) ratio | 15.0761% | 594 |
| Tier 1 risk-based capital ratio | 34.5029% | 338 |
| Total risk-based capital ratio | 35.7564% | 333 |
| Memoranda: | ||
| Average total assets | $97,034,000 | 4,407 |
| Average earning assets | $91,220,000 | 4,365 |
| Average equity | $12,213,500 | 4,179 |
| Average total loans | $23,291,500 | 5,362 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 3,507 |
| Cost of funding earning assets | 0.5645% | 1,574 |
| Net interest margin | 3.3531% | 3,988 |
| Noninterest income to average assets | 0.4823% | 3,338 |
| Noninterest expense to average assets | 2.5320% | 3,911 |
| Loan and lease loss provision to assets | 0.0889% | 2,587 |
| Net operating income to assets | 1.0054% | 2,333 |
| Return on assets (ROA) | 1.0054% | 2,433 |
| Pretax return on assets | 1.0054% | 3,459 |
| Return on Equity (ROE) | 7.1100% | 3,413 |
| Retained earnings to average equity (ytd only) | 0.9682% | 4,938 |
| Net charge-offs to loans | 0.7915% | 258 |
| Credit loss provision to net charge-offs | 50.0000% | 3,375 |
| Earnings coverage of net charge-offs (x) | 6.1552% | 3,225 |
| Efficiency ratio | 69.8225% | 2,931 |
| Assets per employee ($millions) | 4.0307% | 3,911 |
| Cash dividends to net income (ytd only)* | 86.3821% | 695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6856% | 254 |
| Loan loss allowance to noncurrent loans | 326.9430% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.1995% | 4,523 |
| Noncurrent loans to loans | 0.8214% | 2,467 |
| Net loans and leases to total assets | 23.6363% | 5,761 |
| Net loans and leases to deposits | 27.0317% | 5,771 |
| Net loans and leases to core deposits | 27.2774% | 5,781 |
| Total domestic deposits to total assets | 87.4391% | 1,912 |
| Equity capital to assets | 12.2725% | 1,648 |
| Core capital (leverage) ratio | 15.0956% | 585 |
| Tier 1 risk-based capital ratio | 33.2967% | 365 |
| Total risk-based capital ratio | 34.5496% | 363 |
| Memoranda: | ||
| Average total assets | $97,867,800 | 4,388 |
| Average earning assets | $91,765,800 | 4,354 |
| Average equity | $13,839,600 | 3,960 |
| Average total loans | $21,983,600 | 5,445 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,118 |
| Cost of funding earning assets | 0.6042% | 1,292 |
| Net interest margin | 3.4235% | 3,761 |
| Noninterest income to average assets | 0.4863% | 3,343 |
| Noninterest expense to average assets | 2.0621% | 5,081 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.6342% | 678 |
| Return on assets (ROA) | 1.6342% | 717 |
| Pretax return on assets | 1.6342% | 1,288 |
| Return on Equity (ROE) | 11.1919% | 1,600 |
| Retained earnings to average equity (ytd only) | 7.4705% | 1,419 |
| Net charge-offs to loans | 1.0306% | 162 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.2036% | 2,902 |
| Efficiency ratio | 55.7883% | 5,082 |
| Assets per employee ($millions) | 3.8493% | 4,217 |
| Cash dividends to net income (ytd only)* | 33.2502% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4868% | 337 |
| Loan loss allowance to noncurrent loans | 238.5281% | 1,966 |
| Noncurrent assets plus other real estate owned to assets | 0.2500% | 4,436 |
| Noncurrent loans to loans | 1.0426% | 2,154 |
| Net loans and leases to total assets | 23.3874% | 5,829 |
| Net loans and leases to deposits | 27.9660% | 5,833 |
| Net loans and leases to core deposits | 28.3380% | 5,839 |
| Total domestic deposits to total assets | 83.6279% | 3,344 |
| Equity capital to assets | 16.0960% | 542 |
| Core capital (leverage) ratio | 15.6457% | 538 |
| Tier 1 risk-based capital ratio | 37.1229% | 282 |
| Total risk-based capital ratio | 38.3750% | 278 |
| Memoranda: | ||
| Average total assets | $98,150,500 | 4,413 |
| Average earning assets | $92,028,000 | 4,383 |
| Average equity | $14,331,500 | 3,934 |
| Average total loans | $21,605,500 | 5,513 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 2,896 |
| Cost of funding earning assets | 0.6166% | 1,210 |
| Net interest margin | 3.4756% | 3,585 |
| Noninterest income to average assets | 0.4437% | 3,570 |
| Noninterest expense to average assets | 1.9786% | 5,316 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7207% | 561 |
| Return on assets (ROA) | 1.7207% | 589 |
| Pretax return on assets | 1.7207% | 1,045 |
| Return on Equity (ROE) | 12.1679% | 1,254 |
| Retained earnings to average equity (ytd only) | 7.9282% | 1,192 |
| Net charge-offs to loans | 0.0093% | 3,386 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 861.0000% | 60 |
| Efficiency ratio | 53.4846% | 5,352 |
| Assets per employee ($millions) | 4.0534% | 3,812 |
| Cash dividends to net income (ytd only)* | 34.8432% | 2,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2331% | 154 |
| Loan loss allowance to noncurrent loans | 199.7214% | 2,287 |
| Noncurrent assets plus other real estate owned to assets | 0.3690% | 4,013 |
| Noncurrent loans to loans | 1.6188% | 1,323 |
| Net loans and leases to total assets | 22.0596% | 5,916 |
| Net loans and leases to deposits | 26.0491% | 5,923 |
| Net loans and leases to core deposits | 26.4579% | 5,932 |
| Total domestic deposits to total assets | 84.6847% | 3,007 |
| Equity capital to assets | 15.0778% | 712 |
| Core capital (leverage) ratio | 14.7218% | 661 |
| Tier 1 risk-based capital ratio | 35.8934% | 313 |
| Total risk-based capital ratio | 37.1494% | 308 |
| Memoranda: | ||
| Average total assets | $100,073,000 | 4,424 |
| Average earning assets | $93,739,000 | 4,388 |
| Average equity | $14,152,000 | 3,977 |
| Average total loans | $21,421,670 | 5,577 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 3,741 |
| Cost of funding earning assets | 0.6137% | 1,248 |
| Net interest margin | 3.2449% | 4,415 |
| Noninterest income to average assets | 0.4336% | 3,589 |
| Noninterest expense to average assets | 1.9395% | 5,461 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5374% | 795 |
| Return on assets (ROA) | 1.5374% | 836 |
| Pretax return on assets | 1.5374% | 1,480 |
| Return on Equity (ROE) | 11.2279% | 1,520 |
| Retained earnings to average equity (ytd only) | 8.3489% | 1,323 |
| Net charge-offs to loans | 0.0190% | 2,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 390.0000% | 155 |
| Efficiency ratio | 55.7823% | 5,210 |
| Assets per employee ($millions) | 4.2067% | 3,580 |
| Cash dividends to net income (ytd only)* | 25.6410% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4013% | 149 |
| Loan loss allowance to noncurrent loans | 283.3992% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.2506% | 4,555 |
| Noncurrent loans to loans | 1.2002% | 2,024 |
| Net loans and leases to total assets | 20.1692% | 5,991 |
| Net loans and leases to deposits | 23.5748% | 5,992 |
| Net loans and leases to core deposits | 23.9266% | 6,006 |
| Total domestic deposits to total assets | 85.5538% | 2,884 |
| Equity capital to assets | 14.2421% | 900 |
| Core capital (leverage) ratio | 14.2333% | 749 |
| Tier 1 risk-based capital ratio | 35.7711% | 312 |
| Total risk-based capital ratio | 37.0280% | 310 |
| Memoranda: | ||
| Average total assets | $101,468,500 | 4,440 |
| Average earning assets | $95,163,500 | 4,397 |
| Average equity | $13,894,000 | 4,020 |
| Average total loans | $21,044,000 | 5,646 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9224% | 3,626 |
| Cost of funding earning assets | 0.6082% | 1,322 |
| Net interest margin | 3.3142% | 4,233 |
| Noninterest income to average assets | 0.4499% | 3,667 |
| Noninterest expense to average assets | 2.4489% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0992% | 1,931 |
| Return on assets (ROA) | 1.0972% | 2,011 |
| Pretax return on assets | 1.0972% | 3,078 |
| Return on Equity (ROE) | 8.1693% | 2,859 |
| Retained earnings to average equity (ytd only) | 1.4853% | 4,874 |
| Net charge-offs to loans | 0.1156% | 2,218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 45.9167% | 1,064 |
| Efficiency ratio | 69.0188% | 3,396 |
| Assets per employee ($millions) | 4.0790% | 3,799 |
| Cash dividends to net income (ytd only)* | 81.8182% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4177% | 140 |
| Loan loss allowance to noncurrent loans | 308.1545% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.2285% | 4,680 |
| Noncurrent loans to loans | 1.1091% | 2,121 |
| Net loans and leases to total assets | 19.8968% | 6,050 |
| Net loans and leases to deposits | 22.9561% | 6,059 |
| Net loans and leases to core deposits | 23.2908% | 6,066 |
| Total domestic deposits to total assets | 86.6733% | 2,288 |
| Equity capital to assets | 13.1492% | 1,281 |
| Core capital (leverage) ratio | 14.4586% | 722 |
| Tier 1 risk-based capital ratio | 34.8120% | 339 |
| Total risk-based capital ratio | 36.0678% | 336 |
| Memoranda: | ||
| Average total assets | $100,251,000 | 4,457 |
| Average earning assets | $93,718,800 | 4,436 |
| Average equity | $13,465,000 | 4,051 |
| Average total loans | $20,764,400 | 5,691 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,543 |
| Cost of funding earning assets | 0.6132% | 1,322 |
| Net interest margin | 3.3368% | 4,194 |
| Noninterest income to average assets | 0.4541% | 3,683 |
| Noninterest expense to average assets | 1.9581% | 5,555 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.6216% | 735 |
| Return on assets (ROA) | 1.6189% | 768 |
| Pretax return on assets | 1.6189% | 1,335 |
| Return on Equity (ROE) | 11.9887% | 1,380 |
| Retained earnings to average equity (ytd only) | 8.0320% | 1,233 |
| Net charge-offs to loans | 0.0193% | 3,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 404.6575% | 188 |
| Efficiency ratio | 54.7015% | 5,462 |
| Assets per employee ($millions) | 3.9992% | 3,877 |
| Cash dividends to net income (ytd only)* | 33.0033% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5283% | 142 |
| Loan loss allowance to noncurrent loans | 297.9839% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 4,737 |
| Noncurrent loans to loans | 1.1841% | 2,160 |
| Net loans and leases to total assets | 21.0521% | 6,124 |
| Net loans and leases to deposits | 24.7495% | 6,135 |
| Net loans and leases to core deposits | 25.1406% | 6,139 |
| Total domestic deposits to total assets | 85.0606% | 2,983 |
| Equity capital to assets | 14.7779% | 790 |
| Core capital (leverage) ratio | 15.1656% | 607 |
| Tier 1 risk-based capital ratio | 37.4092% | 294 |
| Total risk-based capital ratio | 38.6670% | 292 |
| Memoranda: | ||
| Average total assets | $99,819,750 | 4,513 |
| Average earning assets | $93,500,250 | 4,491 |
| Average equity | $13,479,000 | 4,094 |
| Average total loans | $20,703,500 | 5,759 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9208% | 3,612 |
| Cost of funding earning assets | 0.6143% | 1,315 |
| Net interest margin | 3.3065% | 4,279 |
| Noninterest income to average assets | 0.4372% | 3,800 |
| Noninterest expense to average assets | 1.9407% | 5,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5846% | 772 |
| Return on assets (ROA) | 1.5846% | 801 |
| Pretax return on assets | 1.5846% | 1,376 |
| Return on Equity (ROE) | 12.0960% | 1,342 |
| Retained earnings to average equity (ytd only) | 7.5657% | 1,442 |
| Net charge-offs to loans | 0.0097% | 3,566 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 801.0000% | 81 |
| Efficiency ratio | 55.0505% | 5,505 |
| Assets per employee ($millions) | 4.0680% | 3,750 |
| Cash dividends to net income (ytd only)* | 37.4532% | 2,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5769% | 152 |
| Loan loss allowance to noncurrent loans | 304.9383% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2489% | 4,878 |
| Noncurrent loans to loans | 1.1730% | 2,306 |
| Net loans and leases to total assets | 20.4593% | 6,203 |
| Net loans and leases to deposits | 23.5757% | 6,218 |
| Net loans and leases to core deposits | 23.9385% | 6,217 |
| Total domestic deposits to total assets | 86.7811% | 2,275 |
| Equity capital to assets | 13.0857% | 1,357 |
| Core capital (leverage) ratio | 14.2226% | 777 |
| Tier 1 risk-based capital ratio | 36.1287% | 334 |
| Total risk-based capital ratio | 37.3872% | 331 |
| Memoranda: | ||
| Average total assets | $101,099,330 | 4,532 |
| Average earning assets | $94,419,670 | 4,513 |
| Average equity | $13,244,000 | 4,159 |
| Average total loans | $20,623,000 | 5,820 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8567% | 3,801 |
| Cost of funding earning assets | 0.6039% | 1,406 |
| Net interest margin | 3.2528% | 4,409 |
| Noninterest income to average assets | 0.4279% | 3,778 |
| Noninterest expense to average assets | 1.7932% | 5,911 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6726% | 629 |
| Return on assets (ROA) | 1.6726% | 659 |
| Pretax return on assets | 1.6726% | 1,108 |
| Return on Equity (ROE) | 12.7615% | 1,146 |
| Retained earnings to average equity (ytd only) | 9.7937% | 975 |
| Net charge-offs to loans | 0.0194% | 2,770 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 430.0000% | 124 |
| Efficiency ratio | 51.7396% | 5,821 |
| Assets per employee ($millions) | 4.3324% | 3,321 |
| Cash dividends to net income (ytd only)* | 23.2558% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8822% | 140 |
| Loan loss allowance to noncurrent loans | 298.7903% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.2385% | 4,981 |
| Noncurrent loans to loans | 1.2993% | 2,212 |
| Net loans and leases to total assets | 17.6441% | 6,292 |
| Net loans and leases to deposits | 20.4089% | 6,304 |
| Net loans and leases to core deposits | 20.7040% | 6,306 |
| Total domestic deposits to total assets | 86.4529% | 2,692 |
| Equity capital to assets | 13.4538% | 1,190 |
| Core capital (leverage) ratio | 14.0309% | 815 |
| Tier 1 risk-based capital ratio | 34.3199% | 385 |
| Total risk-based capital ratio | 35.5755% | 377 |
| Memoranda: | ||
| Average total assets | $102,832,500 | 4,530 |
| Average earning assets | $96,041,000 | 4,504 |
| Average equity | $13,478,000 | 4,150 |
| Average total loans | $20,576,500 | 5,873 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1330% | 3,192 |
| Cost of funding earning assets | 0.6751% | 1,241 |
| Net interest margin | 3.4579% | 3,950 |
| Noninterest income to average assets | 0.4872% | 3,608 |
| Noninterest expense to average assets | 2.5701% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1476% | 1,783 |
| Return on assets (ROA) | 1.1476% | 1,847 |
| Pretax return on assets | 1.1476% | 2,881 |
| Return on Equity (ROE) | 9.8763% | 2,170 |
| Retained earnings to average equity (ytd only) | 1.0503% | 5,303 |
| Net charge-offs to loans | -0.0795% | 6,060 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1310% | 3,684 |
| Assets per employee ($millions) | 4.2370% | 3,466 |
| Cash dividends to net income (ytd only)* | 89.3655% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3626% | 206 |
| Loan loss allowance to noncurrent loans | 262.1908% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 4,920 |
| Noncurrent loans to loans | 1.2825% | 2,311 |
| Net loans and leases to total assets | 20.9702% | 6,356 |
| Net loans and leases to deposits | 24.0612% | 6,370 |
| Net loans and leases to core deposits | 24.3433% | 6,369 |
| Total domestic deposits to total assets | 87.1537% | 2,187 |
| Equity capital to assets | 12.7519% | 1,500 |
| Core capital (leverage) ratio | 14.4527% | 710 |
| Tier 1 risk-based capital ratio | 34.0622% | 367 |
| Total risk-based capital ratio | 35.3185% | 361 |
| Memoranda: | ||
| Average total assets | $97,505,400 | 4,661 |
| Average earning assets | $91,096,000 | 4,630 |
| Average equity | $11,330,200 | 4,493 |
| Average total loans | $22,650,000 | 5,869 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1766% | 3,073 |
| Cost of funding earning assets | 0.7013% | 1,147 |
| Net interest margin | 3.4753% | 3,918 |
| Noninterest income to average assets | 0.4852% | 3,651 |
| Noninterest expense to average assets | 2.0443% | 5,690 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7015% | 609 |
| Return on assets (ROA) | 1.7015% | 637 |
| Pretax return on assets | 1.7015% | 1,065 |
| Return on Equity (ROE) | 15.0288% | 821 |
| Retained earnings to average equity (ytd only) | 10.1453% | 666 |
| Net charge-offs to loans | -0.0644% | 6,010 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5756% | 5,771 |
| Assets per employee ($millions) | 3.9001% | 4,089 |
| Cash dividends to net income (ytd only)* | 32.4940% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2148% | 286 |
| Loan loss allowance to noncurrent loans | 291.6667% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.2852% | 5,129 |
| Noncurrent loans to loans | 1.1022% | 2,861 |
| Net loans and leases to total assets | 23.6403% | 6,394 |
| Net loans and leases to deposits | 27.2381% | 6,406 |
| Net loans and leases to core deposits | 27.6780% | 6,413 |
| Total domestic deposits to total assets | 86.7910% | 2,424 |
| Equity capital to assets | 13.1395% | 1,356 |
| Core capital (leverage) ratio | 15.5886% | 529 |
| Tier 1 risk-based capital ratio | 36.3354% | 314 |
| Total risk-based capital ratio | 37.5929% | 307 |
| Memoranda: | ||
| Average total assets | $96,460,000 | 4,733 |
| Average earning assets | $90,502,500 | 4,692 |
| Average equity | $10,921,000 | 4,610 |
| Average total loans | $22,796,000 | 5,924 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1834% | 3,015 |
| Cost of funding earning assets | 0.7206% | 1,082 |
| Net interest margin | 3.4628% | 3,924 |
| Noninterest income to average assets | 0.4702% | 3,710 |
| Noninterest expense to average assets | 2.0388% | 5,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6774% | 600 |
| Return on assets (ROA) | 1.6774% | 638 |
| Pretax return on assets | 1.6774% | 1,064 |
| Return on Equity (ROE) | 15.6189% | 693 |
| Retained earnings to average equity (ytd only) | 9.8837% | 744 |
| Net charge-offs to loans | -0.0615% | 5,966 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8619% | 5,840 |
| Assets per employee ($millions) | 3.9404% | 3,969 |
| Cash dividends to net income (ytd only)* | 36.7197% | 2,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0984% | 341 |
| Loan loss allowance to noncurrent loans | 280.0766% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.2919% | 5,198 |
| Noncurrent loans to loans | 1.1063% | 3,013 |
| Net loans and leases to total assets | 24.1749% | 6,449 |
| Net loans and leases to deposits | 27.5861% | 6,466 |
| Net loans and leases to core deposits | 27.9367% | 6,473 |
| Total domestic deposits to total assets | 87.6344% | 2,124 |
| Equity capital to assets | 12.3275% | 1,758 |
| Core capital (leverage) ratio | 14.8399% | 628 |
| Tier 1 risk-based capital ratio | 35.6356% | 327 |
| Total risk-based capital ratio | 36.8935% | 325 |
| Memoranda: | ||
| Average total assets | $97,412,330 | 4,746 |
| Average earning assets | $91,313,670 | 4,694 |
| Average equity | $10,461,670 | 4,710 |
| Average total loans | $22,773,670 | 5,966 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3211% | 2,440 |
| Cost of funding earning assets | 0.7195% | 1,125 |
| Net interest margin | 3.6017% | 3,240 |
| Noninterest income to average assets | 0.4411% | 3,860 |
| Noninterest expense to average assets | 1.8172% | 6,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.9872% | 346 |
| Return on assets (ROA) | 1.9872% | 360 |
| Pretax return on assets | 1.9872% | 547 |
| Return on Equity (ROE) | 19.9118% | 292 |
| Retained earnings to average equity (ytd only) | 15.8564% | 276 |
| Net charge-offs to loans | -0.3398% | 6,504 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7660% | 6,366 |
| Assets per employee ($millions) | 4.1710% | 3,588 |
| Cash dividends to net income (ytd only)* | 20.3666% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3887% | 296 |
| Loan loss allowance to noncurrent loans | 271.1679% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2737% | 5,345 |
| Noncurrent loans to loans | 1.2497% | 2,953 |
| Net loans and leases to total assets | 21.1610% | 6,559 |
| Net loans and leases to deposits | 23.6399% | 6,580 |
| Net loans and leases to core deposits | 23.9167% | 6,583 |
| Total domestic deposits to total assets | 89.5139% | 1,360 |
| Equity capital to assets | 10.4691% | 3,273 |
| Core capital (leverage) ratio | 14.5457% | 691 |
| Tier 1 risk-based capital ratio | 35.3888% | 342 |
| Total risk-based capital ratio | 36.6465% | 336 |
| Memoranda: | ||
| Average total assets | $98,834,000 | 4,760 |
| Average earning assets | $92,291,000 | 4,717 |
| Average equity | $9,863,500 | 4,854 |
| Average total loans | $22,364,000 | 6,033 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0818% | 3,808 |
| Cost of funding earning assets | 0.7293% | 1,628 |
| Net interest margin | 3.3525% | 4,473 |
| Noninterest income to average assets | 0.5284% | 3,564 |
| Noninterest expense to average assets | 2.4875% | 4,809 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2351% | 1,435 |
| Return on assets (ROA) | 1.2351% | 1,498 |
| Pretax return on assets | 1.2351% | 2,437 |
| Return on Equity (ROE) | 9.4976% | 2,329 |
| Retained earnings to average equity (ytd only) | 1.1882% | 5,294 |
| Net charge-offs to loans | 0.0399% | 4,665 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 127.0000% | 368 |
| Efficiency ratio | 66.8215% | 4,403 |
| Assets per employee ($millions) | 4.0652% | 3,721 |
| Cash dividends to net income (ytd only)* | 87.4891% | 711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1752% | 382 |
| Loan loss allowance to noncurrent loans | 129.2857% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.5996% | 4,438 |
| Noncurrent loans to loans | 2.4559% | 1,552 |
| Net loans and leases to total assets | 22.6292% | 6,624 |
| Net loans and leases to deposits | 25.0031% | 6,654 |
| Net loans and leases to core deposits | 25.2259% | 6,657 |
| Total domestic deposits to total assets | 90.5057% | 812 |
| Equity capital to assets | 9.4779% | 4,454 |
| Core capital (leverage) ratio | 15.0218% | 600 |
| Tier 1 risk-based capital ratio | 35.1911% | 319 |
| Total risk-based capital ratio | 36.4492% | 314 |
| Memoranda: | ||
| Average total assets | $92,542,200 | 4,916 |
| Average earning assets | $88,172,400 | 4,830 |
| Average equity | $12,034,600 | 4,432 |
| Average total loans | $22,538,600 | 6,098 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 3,690 |
| Cost of funding earning assets | 0.7423% | 1,651 |
| Net interest margin | 3.3754% | 4,382 |
| Noninterest income to average assets | 0.5068% | 3,758 |
| Noninterest expense to average assets | 2.0112% | 5,990 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7235% | 606 |
| Return on assets (ROA) | 1.7235% | 632 |
| Pretax return on assets | 1.7235% | 1,049 |
| Return on Equity (ROE) | 12.3575% | 1,381 |
| Retained earnings to average equity (ytd only) | 8.1685% | 1,349 |
| Net charge-offs to loans | 0.0415% | 4,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 168.6270% | 329 |
| Efficiency ratio | 53.8522% | 6,113 |
| Assets per employee ($millions) | 3.6636% | 4,525 |
| Cash dividends to net income (ytd only)* | 33.8984% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2285% | 437 |
| Loan loss allowance to noncurrent loans | 129.8748% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.6642% | 4,448 |
| Noncurrent loans to loans | 2.4859% | 1,743 |
| Net loans and leases to total assets | 24.7492% | 6,673 |
| Net loans and leases to deposits | 28.0729% | 6,697 |
| Net loans and leases to core deposits | 28.3572% | 6,706 |
| Total domestic deposits to total assets | 88.1605% | 2,024 |
| Equity capital to assets | 11.8213% | 2,031 |
| Core capital (leverage) ratio | 16.2104% | 467 |
| Tier 1 risk-based capital ratio | 38.7733% | 258 |
| Total risk-based capital ratio | 40.0312% | 252 |
| Memoranda: | ||
| Average total assets | $91,286,750 | 4,997 |
| Average earning assets | $87,296,000 | 4,890 |
| Average equity | $12,731,500 | 4,359 |
| Average total loans | $22,472,750 | 6,159 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 3,851 |
| Cost of funding earning assets | 0.7486% | 1,718 |
| Net interest margin | 3.3202% | 4,486 |
| Noninterest income to average assets | 0.5000% | 3,834 |
| Noninterest expense to average assets | 1.9847% | 6,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6925% | 630 |
| Return on assets (ROA) | 1.6925% | 687 |
| Pretax return on assets | 1.6925% | 1,130 |
| Return on Equity (ROE) | 11.5760% | 1,613 |
| Retained earnings to average equity (ytd only) | 7.1351% | 1,829 |
| Net charge-offs to loans | 0.1157% | 3,204 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 60.1538% | 702 |
| Efficiency ratio | 53.9729% | 6,148 |
| Assets per employee ($millions) | 3.7609% | 4,283 |
| Cash dividends to net income (ytd only)* | 38.3632% | 2,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2924% | 436 |
| Loan loss allowance to noncurrent loans | 108.4211% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 0.7644% | 4,310 |
| Noncurrent loans to loans | 3.0367% | 1,462 |
| Net loans and leases to total assets | 23.4631% | 6,733 |
| Net loans and leases to deposits | 27.1624% | 6,749 |
| Net loans and leases to core deposits | 27.4351% | 6,761 |
| Total domestic deposits to total assets | 86.3806% | 3,172 |
| Equity capital to assets | 13.6028% | 1,087 |
| Core capital (leverage) ratio | 15.1389% | 589 |
| Tier 1 risk-based capital ratio | 38.3409% | 263 |
| Total risk-based capital ratio | 39.6109% | 256 |
| Memoranda: | ||
| Average total assets | $92,407,000 | 4,999 |
| Average earning assets | $88,428,000 | 4,888 |
| Average equity | $13,510,670 | 4,237 |
| Average total loans | $22,468,000 | 6,193 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0058% | 4,099 |
| Cost of funding earning assets | 0.7483% | 1,865 |
| Net interest margin | 3.2576% | 4,696 |
| Noninterest income to average assets | 0.4792% | 3,930 |
| Noninterest expense to average assets | 1.9170% | 6,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6731% | 623 |
| Return on assets (ROA) | 1.6731% | 686 |
| Pretax return on assets | 1.6731% | 1,147 |
| Return on Equity (ROE) | 11.0710% | 1,685 |
| Retained earnings to average equity (ytd only) | 8.2395% | 1,668 |
| Net charge-offs to loans | 0.1758% | 2,340 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 39.1000% | 804 |
| Efficiency ratio | 53.3969% | 6,267 |
| Assets per employee ($millions) | 3.8427% | 4,266 |
| Cash dividends to net income (ytd only)* | 25.5754% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2464% | 520 |
| Loan loss allowance to noncurrent loans | 102.4079% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.7926% | 4,390 |
| Noncurrent loans to loans | 3.1700% | 1,562 |
| Net loans and leases to total assets | 23.3649% | 6,788 |
| Net loans and leases to deposits | 27.6076% | 6,789 |
| Net loans and leases to core deposits | 27.8852% | 6,800 |
| Total domestic deposits to total assets | 84.6320% | 4,208 |
| Equity capital to assets | 15.3496% | 671 |
| Core capital (leverage) ratio | 15.1602% | 568 |
| Tier 1 risk-based capital ratio | 38.0601% | 268 |
| Total risk-based capital ratio | 39.3381% | 262 |
| Memoranda: | ||
| Average total assets | $93,480,000 | 5,012 |
| Average earning assets | $89,269,500 | 4,903 |
| Average equity | $14,127,000 | 4,173 |
| Average total loans | $22,752,500 | 6,239 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2898% | 4,225 |
| Cost of funding earning assets | 0.8246% | 2,470 |
| Net interest margin | 3.4653% | 4,646 |
| Noninterest income to average assets | 0.5299% | 3,711 |
| Noninterest expense to average assets | 2.6135% | 4,696 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2109% | 1,566 |
| Return on assets (ROA) | 1.2109% | 1,731 |
| Pretax return on assets | 1.2109% | 2,765 |
| Return on Equity (ROE) | 7.7281% | 3,217 |
| Retained earnings to average equity (ytd only) | 0.7407% | 5,493 |
| Net charge-offs to loans | -0.0470% | 6,695 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3367% | 4,081 |
| Assets per employee ($millions) | 3.7894% | 4,386 |
| Cash dividends to net income (ytd only)* | 90.4159% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1549% | 578 |
| Loan loss allowance to noncurrent loans | 103.0942% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 0.7505% | 4,593 |
| Noncurrent loans to loans | 3.0602% | 1,699 |
| Net loans and leases to total assets | 23.7513% | 6,863 |
| Net loans and leases to deposits | 27.9103% | 6,876 |
| Net loans and leases to core deposits | 28.1812% | 6,882 |
| Total domestic deposits to total assets | 85.0986% | 3,816 |
| Equity capital to assets | 14.8814% | 773 |
| Core capital (leverage) ratio | 15.0717% | 558 |
| Tier 1 risk-based capital ratio | 36.0860% | 313 |
| Total risk-based capital ratio | 37.3447% | 304 |
| Memoranda: | ||
| Average total assets | $91,333,400 | 5,039 |
| Average earning assets | $86,833,000 | 4,945 |
| Average equity | $14,311,400 | 4,101 |
| Average total loans | $23,409,400 | 6,272 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3501% | 4,256 |
| Cost of funding earning assets | 0.8459% | 2,577 |
| Net interest margin | 3.5042% | 4,625 |
| Noninterest income to average assets | 0.5585% | 3,550 |
| Noninterest expense to average assets | 2.1278% | 6,111 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7638% | 620 |
| Return on assets (ROA) | 1.7638% | 684 |
| Pretax return on assets | 1.7638% | 1,138 |
| Return on Equity (ROE) | 11.1103% | 1,916 |
| Retained earnings to average equity (ytd only) | 7.3976% | 1,898 |
| Net charge-offs to loans | -0.0682% | 6,776 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6763% | 6,181 |
| Assets per employee ($millions) | 3.5377% | 4,884 |
| Cash dividends to net income (ytd only)* | 33.4169% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1635% | 621 |
| Loan loss allowance to noncurrent loans | 164.9438% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 5,414 |
| Noncurrent loans to loans | 1.9179% | 2,939 |
| Net loans and leases to total assets | 25.4042% | 6,932 |
| Net loans and leases to deposits | 30.4469% | 6,940 |
| Net loans and leases to core deposits | 30.7684% | 6,956 |
| Total domestic deposits to total assets | 83.4377% | 4,464 |
| Equity capital to assets | 16.5408% | 521 |
| Core capital (leverage) ratio | 15.8158% | 501 |
| Tier 1 risk-based capital ratio | 40.3058% | 235 |
| Total risk-based capital ratio | 41.5793% | 231 |
| Memoranda: | ||
| Average total assets | $90,482,750 | 5,123 |
| Average earning assets | $86,064,750 | 5,015 |
| Average equity | $14,364,750 | 4,131 |
| Average total loans | $23,453,250 | 6,356 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 4,310 |
| Cost of funding earning assets | 0.8664% | 2,684 |
| Net interest margin | 3.5026% | 4,654 |
| Noninterest income to average assets | 0.5836% | 3,361 |
| Noninterest expense to average assets | 2.0228% | 6,388 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8780% | 483 |
| Return on assets (ROA) | 1.8780% | 552 |
| Pretax return on assets | 1.8780% | 887 |
| Return on Equity (ROE) | 11.9916% | 1,671 |
| Retained earnings to average equity (ytd only) | 7.7889% | 1,722 |
| Net charge-offs to loans | -0.0595% | 6,710 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8560% | 6,513 |
| Assets per employee ($millions) | 3.6524% | 4,635 |
| Cash dividends to net income (ytd only)* | 35.0467% | 2,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0983% | 714 |
| Loan loss allowance to noncurrent loans | 192.8571% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.4140% | 5,746 |
| Noncurrent loans to loans | 1.6065% | 3,497 |
| Net loans and leases to total assets | 24.9699% | 7,010 |
| Net loans and leases to deposits | 29.7778% | 7,014 |
| Net loans and leases to core deposits | 30.1799% | 7,017 |
| Total domestic deposits to total assets | 83.8539% | 4,373 |
| Equity capital to assets | 16.1242% | 555 |
| Core capital (leverage) ratio | 15.4943% | 524 |
| Tier 1 risk-based capital ratio | 39.0207% | 251 |
| Total risk-based capital ratio | 40.2940% | 242 |
| Memoranda: | ||
| Average total assets | $91,163,000 | 5,131 |
| Average earning assets | $86,335,670 | 5,038 |
| Average equity | $14,276,670 | 4,141 |
| Average total loans | $23,537,000 | 6,389 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3202% | 4,658 |
| Cost of funding earning assets | 0.9012% | 2,679 |
| Net interest margin | 3.4190% | 5,033 |
| Noninterest income to average assets | 0.5094% | 3,849 |
| Noninterest expense to average assets | 1.9849% | 6,492 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.7565% | 656 |
| Return on assets (ROA) | 1.7565% | 732 |
| Pretax return on assets | 1.7565% | 1,182 |
| Return on Equity (ROE) | 11.3851% | 1,877 |
| Retained earnings to average equity (ytd only) | 8.5388% | 1,765 |
| Net charge-offs to loans | -0.1359% | 6,890 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0516% | 6,431 |
| Assets per employee ($millions) | 3.5737% | 4,950 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2193% | 672 |
| Loan loss allowance to noncurrent loans | 211.5942% | 1,567 |
| Noncurrent assets plus other real estate owned to assets | 0.3713% | 5,951 |
| Noncurrent loans to loans | 1.5214% | 3,835 |
| Net loans and leases to total assets | 23.6192% | 7,089 |
| Net loans and leases to deposits | 27.7836% | 7,094 |
| Net loans and leases to core deposits | 28.0557% | 7,101 |
| Total domestic deposits to total assets | 85.0112% | 4,031 |
| Equity capital to assets | 14.9641% | 753 |
| Core capital (leverage) ratio | 15.3656% | 550 |
| Tier 1 risk-based capital ratio | 37.9997% | 269 |
| Total risk-based capital ratio | 39.2708% | 261 |
| Memoranda: | ||
| Average total assets | $91,089,500 | 5,172 |
| Average earning assets | $86,106,500 | 5,079 |
| Average equity | $14,053,500 | 4,188 |
| Average total loans | $23,541,000 | 6,445 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 3,929 |
| Cost of funding earning assets | 1.0557% | 2,981 |
| Net interest margin | 3.7187% | 4,216 |
| Noninterest income to average assets | 0.5726% | 3,348 |
| Noninterest expense to average assets | 2.7316% | 4,613 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3635% | 1,102 |
| Return on assets (ROA) | 1.3635% | 1,192 |
| Pretax return on assets | 1.3635% | 1,903 |
| Return on Equity (ROE) | 8.3946% | 2,718 |
| Retained earnings to average equity (ytd only) | 1.2442% | 5,268 |
| Net charge-offs to loans | 0.1232% | 5,156 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 37.8710% | 710 |
| Efficiency ratio | 66.7045% | 4,622 |
| Assets per employee ($millions) | 3.5705% | 4,845 |
| Cash dividends to net income (ytd only)* | 85.1789% | 635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9583% | 845 |
| Loan loss allowance to noncurrent loans | 221.4724% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.3652% | 6,061 |
| Noncurrent loans to loans | 1.3357% | 4,141 |
| Net loans and leases to total assets | 26.5328% | 7,107 |
| Net loans and leases to deposits | 31.5639% | 7,103 |
| Net loans and leases to core deposits | 31.8903% | 7,115 |
| Total domestic deposits to total assets | 84.0606% | 4,295 |
| Equity capital to assets | 15.9114% | 592 |
| Core capital (leverage) ratio | 15.7527% | 491 |
| Tier 1 risk-based capital ratio | 36.8322% | 292 |
| Total risk-based capital ratio | 38.0916% | 289 |
| Memoranda: | ||
| Average total assets | $86,102,800 | 5,287 |
| Average earning assets | $81,560,400 | 5,185 |
| Average equity | $13,985,200 | 4,112 |
| Average total loans | $25,163,400 | 6,412 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8715% | 3,672 |
| Cost of funding earning assets | 1.1005% | 2,977 |
| Net interest margin | 3.7710% | 4,011 |
| Noninterest income to average assets | 0.6001% | 3,158 |
| Noninterest expense to average assets | 2.2864% | 6,072 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8910% | 432 |
| Return on assets (ROA) | 1.8910% | 468 |
| Pretax return on assets | 1.8910% | 795 |
| Return on Equity (ROE) | 11.5808% | 1,653 |
| Retained earnings to average equity (ytd only) | 7.7524% | 1,605 |
| Net charge-offs to loans | 0.1788% | 4,373 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 35.5899% | 837 |
| Efficiency ratio | 54.7325% | 6,421 |
| Assets per employee ($millions) | 3.3872% | 5,275 |
| Cash dividends to net income (ytd only)* | 33.0579% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8860% | 947 |
| Loan loss allowance to noncurrent loans | 226.8139% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 6,140 |
| Noncurrent loans to loans | 1.2724% | 4,407 |
| Net loans and leases to total assets | 28.5714% | 7,132 |
| Net loans and leases to deposits | 34.7600% | 7,102 |
| Net loans and leases to core deposits | 35.1458% | 7,140 |
| Total domestic deposits to total assets | 82.1963% | 5,012 |
| Equity capital to assets | 17.7706% | 422 |
| Core capital (leverage) ratio | 16.5904% | 434 |
| Tier 1 risk-based capital ratio | 39.7817% | 257 |
| Total risk-based capital ratio | 41.0585% | 249 |
| Memoranda: | ||
| Average total assets | $85,312,750 | 5,342 |
| Average earning assets | $80,931,250 | 5,244 |
| Average equity | $13,930,750 | 4,140 |
| Average total loans | $25,352,750 | 6,462 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8046% | 4,086 |
| Cost of funding earning assets | 1.1105% | 3,165 |
| Net interest margin | 3.6942% | 4,291 |
| Noninterest income to average assets | 0.5075% | 3,802 |
| Noninterest expense to average assets | 2.2637% | 6,217 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7445% | 549 |
| Return on assets (ROA) | 1.7445% | 593 |
| Pretax return on assets | 1.7445% | 969 |
| Return on Equity (ROE) | 11.0043% | 1,794 |
| Retained earnings to average equity (ytd only) | 6.5790% | 2,090 |
| Net charge-offs to loans | 0.0784% | 4,857 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 74.6000% | 458 |
| Efficiency ratio | 56.4761% | 6,369 |
| Assets per employee ($millions) | 3.4177% | 5,153 |
| Cash dividends to net income (ytd only)* | 40.2145% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8945% | 990 |
| Loan loss allowance to noncurrent loans | 159.1006% | 1,868 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 5,827 |
| Noncurrent loans to loans | 1.8193% | 3,723 |
| Net loans and leases to total assets | 29.1727% | 7,207 |
| Net loans and leases to deposits | 34.9873% | 7,191 |
| Net loans and leases to core deposits | 35.5107% | 7,231 |
| Total domestic deposits to total assets | 83.3807% | 4,594 |
| Equity capital to assets | 16.5842% | 531 |
| Core capital (leverage) ratio | 15.9895% | 509 |
| Tier 1 risk-based capital ratio | 37.5936% | 291 |
| Total risk-based capital ratio | 38.8700% | 280 |
| Memoranda: | ||
| Average total assets | $85,524,000 | 5,381 |
| Average earning assets | $81,047,000 | 5,289 |
| Average equity | $13,558,330 | 4,210 |
| Average total loans | $25,499,330 | 6,509 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8460% | 3,845 |
| Cost of funding earning assets | 1.1187% | 3,390 |
| Net interest margin | 3.7273% | 3,962 |
| Noninterest income to average assets | 0.5189% | 3,736 |
| Noninterest expense to average assets | 2.1364% | 6,553 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9027% | 402 |
| Return on assets (ROA) | 1.9027% | 425 |
| Pretax return on assets | 1.9027% | 675 |
| Return on Equity (ROE) | 12.2845% | 1,380 |
| Retained earnings to average equity (ytd only) | 9.2662% | 1,302 |
| Net charge-offs to loans | 0.2046% | 3,281 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 31.3077% | 810 |
| Efficiency ratio | 52.8935% | 6,789 |
| Assets per employee ($millions) | 3.4640% | 5,081 |
| Cash dividends to net income (ytd only)* | 24.5700% | 2,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9351% | 971 |
| Loan loss allowance to noncurrent loans | 225.3049% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 6,257 |
| Noncurrent loans to loans | 1.3027% | 4,525 |
| Net loans and leases to total assets | 28.2206% | 7,288 |
| Net loans and leases to deposits | 33.4040% | 7,286 |
| Net loans and leases to core deposits | 33.8885% | 7,309 |
| Total domestic deposits to total assets | 84.4827% | 4,278 |
| Equity capital to assets | 15.4792% | 662 |
| Core capital (leverage) ratio | 16.0050% | 501 |
| Tier 1 risk-based capital ratio | 36.5635% | 312 |
| Total risk-based capital ratio | 37.8362% | 305 |
| Memoranda: | ||
| Average total assets | $85,564,500 | 5,422 |
| Average earning assets | $80,809,500 | 5,333 |
| Average equity | $13,252,500 | 4,279 |
| Average total loans | $25,414,500 | 6,564 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 3,667 |
| Cost of funding earning assets | 1.1836% | 4,654 |
| Net interest margin | 4.0048% | 3,003 |
| Noninterest income to average assets | 0.6024% | 3,461 |
| Noninterest expense to average assets | 2.7716% | 4,700 |
| Loan and lease loss provision to assets | 0.1120% | 6,035 |
| Net operating income to assets | 1.4960% | 769 |
| Return on assets (ROA) | 1.4960% | 829 |
| Pretax return on assets | 1.4960% | 1,383 |
| Return on Equity (ROE) | 8.6744% | 2,431 |
| Retained earnings to average equity (ytd only) | 1.0969% | 4,997 |
| Net charge-offs to loans | 0.3513% | 4,262 |
| Credit loss provision to net charge-offs | 101.1236% | 4,489 |
| Earnings coverage of net charge-offs (x) | 14.5169% | 1,335 |
| Efficiency ratio | 63.2850% | 5,463 |
| Assets per employee ($millions) | 3.3812% | 5,215 |
| Cash dividends to net income (ytd only)* | 87.3544% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9356% | 919 |
| Loan loss allowance to noncurrent loans | 220.8211% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4034% | 6,260 |
| Noncurrent loans to loans | 1.3294% | 4,499 |
| Net loans and leases to total assets | 29.4550% | 7,366 |
| Net loans and leases to deposits | 34.8726% | 7,374 |
| Net loans and leases to core deposits | 35.3911% | 7,397 |
| Total domestic deposits to total assets | 84.4645% | 4,140 |
| Equity capital to assets | 15.4976% | 678 |
| Core capital (leverage) ratio | 16.3417% | 469 |
| Tier 1 risk-based capital ratio | 35.3335% | 338 |
| Total risk-based capital ratio | 36.6049% | 331 |
| Memoranda: | ||
| Average total assets | $80,349,400 | 5,586 |
| Average earning assets | $75,785,000 | 5,488 |
| Average equity | $13,856,800 | 4,172 |
| Average total loans | $25,332,600 | 6,652 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3102% | 3,299 |
| Cost of funding earning assets | 1.2074% | 4,824 |
| Net interest margin | 4.1028% | 2,607 |
| Noninterest income to average assets | 0.5868% | 3,531 |
| Noninterest expense to average assets | 2.2276% | 6,535 |
| Loan and lease loss provision to assets | 0.1345% | 5,684 |
| Net operating income to assets | 2.0864% | 295 |
| Return on assets (ROA) | 2.0864% | 314 |
| Pretax return on assets | 2.0864% | 522 |
| Return on Equity (ROE) | 11.7801% | 1,564 |
| Retained earnings to average equity (ytd only) | 7.9831% | 1,425 |
| Net charge-offs to loans | 0.4805% | 3,356 |
| Credit loss provision to net charge-offs | 87.9121% | 4,856 |
| Earnings coverage of net charge-offs (x) | 14.5165% | 1,509 |
| Efficiency ratio | 50.0756% | 7,145 |
| Assets per employee ($millions) | 3.1793% | 5,724 |
| Cash dividends to net income (ytd only)* | 32.2320% | 2,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9009% | 905 |
| Loan loss allowance to noncurrent loans | 216.0350% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4315% | 6,344 |
| Noncurrent loans to loans | 1.3428% | 4,616 |
| Net loans and leases to total assets | 31.2058% | 7,435 |
| Net loans and leases to deposits | 38.4025% | 7,410 |
| Net loans and leases to core deposits | 39.1888% | 7,441 |
| Total domestic deposits to total assets | 81.2599% | 5,277 |
| Equity capital to assets | 18.6986% | 366 |
| Core capital (leverage) ratio | 17.7367% | 369 |
| Tier 1 risk-based capital ratio | 38.4885% | 277 |
| Total risk-based capital ratio | 39.7618% | 273 |
| Memoranda: | ||
| Average total assets | $79,304,500 | 5,682 |
| Average earning assets | $74,646,250 | 5,586 |
| Average equity | $14,046,000 | 4,191 |
| Average total loans | $25,253,000 | 6,742 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3999% | 2,980 |
| Cost of funding earning assets | 1.2203% | 5,015 |
| Net interest margin | 4.1796% | 2,222 |
| Noninterest income to average assets | 0.5880% | 3,426 |
| Noninterest expense to average assets | 2.2689% | 6,442 |
| Loan and lease loss provision to assets | 0.1262% | 5,624 |
| Net operating income to assets | 2.1175% | 272 |
| Return on assets (ROA) | 2.1175% | 298 |
| Pretax return on assets | 2.1175% | 477 |
| Return on Equity (ROE) | 12.1824% | 1,409 |
| Retained earnings to average equity (ytd only) | 7.8263% | 1,502 |
| Net charge-offs to loans | 0.6917% | 2,489 |
| Credit loss provision to net charge-offs | 57.4713% | 5,274 |
| Earnings coverage of net charge-offs (x) | 10.2184% | 1,920 |
| Efficiency ratio | 50.2796% | 7,204 |
| Assets per employee ($millions) | 3.1708% | 5,739 |
| Cash dividends to net income (ytd only)* | 35.7569% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8805% | 930 |
| Loan loss allowance to noncurrent loans | 235.1974% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 6,477 |
| Noncurrent loans to loans | 1.2247% | 4,918 |
| Net loans and leases to total assets | 30.4116% | 7,525 |
| Net loans and leases to deposits | 37.2102% | 7,510 |
| Net loans and leases to core deposits | 37.9692% | 7,533 |
| Total domestic deposits to total assets | 81.7293% | 5,097 |
| Equity capital to assets | 18.2291% | 391 |
| Core capital (leverage) ratio | 17.1526% | 422 |
| Tier 1 risk-based capital ratio | 39.9396% | 247 |
| Total risk-based capital ratio | 41.1999% | 241 |
| Memoranda: | ||
| Average total assets | $79,245,330 | 5,721 |
| Average earning assets | $74,409,000 | 5,626 |
| Average equity | $13,774,000 | 4,252 |
| Average total loans | $25,156,000 | 6,793 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4496% | 2,821 |
| Cost of funding earning assets | 1.2201% | 5,281 |
| Net interest margin | 4.2296% | 1,932 |
| Noninterest income to average assets | 0.5957% | 3,300 |
| Noninterest expense to average assets | 2.2314% | 6,607 |
| Loan and lease loss provision to assets | 0.1010% | 5,617 |
| Net operating income to assets | 2.2011% | 250 |
| Return on assets (ROA) | 2.2011% | 276 |
| Pretax return on assets | 2.2011% | 420 |
| Return on Equity (ROE) | 12.9801% | 1,259 |
| Retained earnings to average equity (ytd only) | 10.0030% | 1,138 |
| Net charge-offs to loans | -0.1896% | 7,662 |
| Credit loss provision to net charge-offs | -166.6667% | 6,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2205% | 7,363 |
| Assets per employee ($millions) | 3.2376% | 5,675 |
| Cash dividends to net income (ytd only)* | 22.9358% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1174% | 746 |
| Loan loss allowance to noncurrent loans | 4,611.7647% | 79 |
| Noncurrent assets plus other real estate owned to assets | 0.0210% | 7,438 |
| Noncurrent loans to loans | 0.0676% | 7,229 |
| Net loans and leases to total assets | 30.1029% | 7,620 |
| Net loans and leases to deposits | 36.3169% | 7,615 |
| Net loans and leases to core deposits | 37.0277% | 7,633 |
| Total domestic deposits to total assets | 82.8896% | 4,685 |
| Equity capital to assets | 17.0659% | 526 |
| Core capital (leverage) ratio | 17.5825% | 392 |
| Tier 1 risk-based capital ratio | 39.6704% | 258 |
| Total risk-based capital ratio | 40.9438% | 251 |
| Memoranda: | ||
| Average total assets | $79,233,500 | 5,790 |
| Average earning assets | $73,766,500 | 5,713 |
| Average equity | $13,436,000 | 4,368 |
| Average total loans | $25,323,000 | 6,860 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5861% | 3,680 |
| Cost of funding earning assets | 1.2875% | 6,350 |
| Net interest margin | 4.2986% | 1,726 |
| Noninterest income to average assets | 0.6434% | 3,333 |
| Noninterest expense to average assets | 3.2253% | 3,294 |
| Loan and lease loss provision to assets | 0.0682% | 6,899 |
| Net operating income to assets | 1.3686% | 902 |
| Return on assets (ROA) | 1.3686% | 955 |
| Pretax return on assets | 1.3686% | 1,506 |
| Return on Equity (ROE) | 7.3285% | 2,650 |
| Retained earnings to average equity (ytd only) | 0.0292% | 4,896 |
| Net charge-offs to loans | -0.1276% | 7,897 |
| Credit loss provision to net charge-offs | -156.2500% | 7,391 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1813% | 4,788 |
| Assets per employee ($millions) | 2.9818% | 6,267 |
| Cash dividends to net income (ytd only)* | 99.6016% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9494% | 809 |
| Loan loss allowance to noncurrent loans | 37,600.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,535 |
| Noncurrent loans to loans | 0.0078% | 7,426 |
| Net loans and leases to total assets | 31.9175% | 7,661 |
| Net loans and leases to deposits | 38.4036% | 7,669 |
| Net loans and leases to core deposits | 42.9027% | 7,720 |
| Total domestic deposits to total assets | 83.1106% | 4,474 |
| Equity capital to assets | 16.8442% | 574 |
| Core capital (leverage) ratio | 18.1160% | 398 |
| Tier 1 risk-based capital ratio | 38.3907% | 280 |
| Total risk-based capital ratio | 39.6601% | 271 |
| Memoranda: | ||
| Average total assets | $73,357,600 | 5,907 |
| Average earning assets | $68,580,600 | 5,848 |
| Average equity | $13,700,000 | 4,339 |
| Average total loans | $25,069,600 | 6,908 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6358% | 3,666 |
| Cost of funding earning assets | 1.3078% | 6,533 |
| Net interest margin | 4.3280% | 1,649 |
| Noninterest income to average assets | 0.6472% | 3,364 |
| Noninterest expense to average assets | 2.5351% | 5,953 |
| Loan and lease loss provision to assets | 0.0922% | 6,446 |
| Net operating income to assets | 2.0834% | 241 |
| Return on assets (ROA) | 2.0834% | 267 |
| Pretax return on assets | 2.0834% | 458 |
| Return on Equity (ROE) | 10.8702% | 1,663 |
| Retained earnings to average equity (ytd only) | 7.0223% | 1,491 |
| Net charge-offs to loans | -0.2831% | 7,992 |
| Credit loss provision to net charge-offs | -94.3396% | 7,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8160% | 7,256 |
| Assets per employee ($millions) | 2.7205% | 6,804 |
| Cash dividends to net income (ytd only)* | 35.3982% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0782% | 626 |
| Loan loss allowance to noncurrent loans | 3,865.0000% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 7,516 |
| Noncurrent loans to loans | 0.0796% | 7,293 |
| Net loans and leases to total assets | 34.4092% | 7,677 |
| Net loans and leases to deposits | 43.0177% | 7,650 |
| Net loans and leases to core deposits | 48.3070% | 7,721 |
| Total domestic deposits to total assets | 79.9884% | 5,436 |
| Equity capital to assets | 19.9621% | 343 |
| Core capital (leverage) ratio | 19.4027% | 351 |
| Tier 1 risk-based capital ratio | 42.6109% | 237 |
| Total risk-based capital ratio | 43.8732% | 235 |
| Memoranda: | ||
| Average total assets | $72,315,000 | 5,973 |
| Average earning assets | $67,897,250 | 5,909 |
| Average equity | $13,860,250 | 4,321 |
| Average total loans | $24,962,750 | 6,980 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 4,447 |
| Cost of funding earning assets | 1.3194% | 6,738 |
| Net interest margin | 4.2102% | 1,957 |
| Noninterest income to average assets | 0.6342% | 3,446 |
| Noninterest expense to average assets | 2.4738% | 6,208 |
| Loan and lease loss provision to assets | 0.1373% | 5,706 |
| Net operating income to assets | 1.9659% | 319 |
| Return on assets (ROA) | 1.9659% | 351 |
| Pretax return on assets | 1.9659% | 606 |
| Return on Equity (ROE) | 10.3966% | 1,888 |
| Retained earnings to average equity (ytd only) | 6.0405% | 1,999 |
| Net charge-offs to loans | -0.1445% | 8,003 |
| Credit loss provision to net charge-offs | -277.7778% | 7,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0492% | 7,325 |
| Assets per employee ($millions) | 2.6792% | 6,878 |
| Cash dividends to net income (ytd only)* | 41.8994% | 2,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8889% | 622 |
| Loan loss allowance to noncurrent loans | 5,676.9231% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.0180% | 7,584 |
| Noncurrent loans to loans | 0.0509% | 7,411 |
| Net loans and leases to total assets | 34.2946% | 7,764 |
| Net loans and leases to deposits | 42.1632% | 7,752 |
| Net loans and leases to core deposits | 46.3623% | 7,830 |
| Total domestic deposits to total assets | 81.3376% | 4,951 |
| Equity capital to assets | 18.6168% | 492 |
| Core capital (leverage) ratio | 18.4193% | 465 |
| Tier 1 risk-based capital ratio | 40.2725% | 302 |
| Total risk-based capital ratio | 41.5433% | 297 |
| Memoranda: | ||
| Average total assets | $72,842,000 | 6,008 |
| Average earning assets | $68,215,000 | 5,945 |
| Average equity | $13,773,670 | 4,363 |
| Average total loans | $24,913,000 | 7,035 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4264% | 5,286 |
| Cost of funding earning assets | 1.3288% | 6,936 |
| Net interest margin | 4.0976% | 2,283 |
| Noninterest income to average assets | 0.5965% | 3,573 |
| Noninterest expense to average assets | 2.3696% | 6,297 |
| Loan and lease loss provision to assets | 0.1094% | 5,569 |
| Net operating income to assets | 1.9482% | 380 |
| Return on assets (ROA) | 1.9482% | 432 |
| Pretax return on assets | 1.9482% | 730 |
| Return on Equity (ROE) | 10.2247% | 2,228 |
| Retained earnings to average equity (ytd only) | 7.3526% | 2,077 |
| Net charge-offs to loans | -0.0488% | 7,690 |
| Credit loss provision to net charge-offs | -666.6667% | 6,456 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5229% | 7,267 |
| Assets per employee ($millions) | 2.7485% | 6,770 |
| Cash dividends to net income (ytd only)* | 28.0899% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8832% | 540 |
| Loan loss allowance to noncurrent loans | 4,950.0000% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 7,576 |
| Noncurrent loans to loans | 0.0582% | 7,368 |
| Net loans and leases to total assets | 31.4553% | 7,881 |
| Net loans and leases to deposits | 38.7050% | 7,883 |
| Net loans and leases to core deposits | 42.3210% | 7,934 |
| Total domestic deposits to total assets | 81.2694% | 4,852 |
| Equity capital to assets | 18.6821% | 523 |
| Core capital (leverage) ratio | 18.7607% | 472 |
| Tier 1 risk-based capital ratio | 41.2428% | 296 |
| Total risk-based capital ratio | 42.5137% | 289 |
| Memoranda: | ||
| Average total assets | $73,094,000 | 6,025 |
| Average earning assets | $68,333,000 | 5,970 |
| Average equity | $13,927,000 | 4,350 |
| Average total loans | $24,596,500 | 7,092 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0176% | 5,463 |
| Cost of funding earning assets | 1.5294% | 7,560 |
| Net interest margin | 4.4881% | 1,452 |
| Noninterest income to average assets | 0.7410% | 2,834 |
| Noninterest expense to average assets | 3.2810% | 3,030 |
| Loan and lease loss provision to assets | 0.0405% | 6,908 |
| Net operating income to assets | 1.6369% | 777 |
| Return on assets (ROA) | 1.6369% | 737 |
| Pretax return on assets | 1.6369% | 1,292 |
| Return on Equity (ROE) | 8.1119% | 3,026 |
| Retained earnings to average equity (ytd only) | 0.2223% | 5,095 |
| Net charge-offs to loans | -0.0828% | 8,072 |
| Credit loss provision to net charge-offs | -133.3333% | 7,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1705% | 5,096 |
| Assets per employee ($millions) | 2.6659% | 6,858 |
| Cash dividends to net income (ytd only)* | 97.2591% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6633% | 576 |
| Loan loss allowance to noncurrent loans | 1,634.1463% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 7,345 |
| Noncurrent loans to loans | 0.1630% | 6,908 |
| Net loans and leases to total assets | 34.0201% | 7,891 |
| Net loans and leases to deposits | 42.2547% | 7,892 |
| Net loans and leases to core deposits | 45.4094% | 7,974 |
| Total domestic deposits to total assets | 80.5121% | 4,838 |
| Equity capital to assets | 19.4365% | 503 |
| Core capital (leverage) ratio | 19.3172% | 486 |
| Tier 1 risk-based capital ratio | 41.4216% | 305 |
| Total risk-based capital ratio | 42.6946% | 300 |
| Memoranda: | ||
| Average total assets | $69,094,400 | 6,059 |
| Average earning assets | $64,926,600 | 5,993 |
| Average equity | $13,942,400 | 4,351 |
| Average total loans | $25,358,400 | 7,003 |