Home > The First National Bank of Beardstown > Performance and Condition Ratios
The First National Bank of Beardstown, 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 | 1.4999% | 4,583 |
| Cost of funding earning assets | 0.1438% | 4,469 |
| Net interest margin | 1.3561% | 4,523 |
| Noninterest income to average assets | 0.1400% | 4,103 |
| Noninterest expense to average assets | 0.6521% | 4,526 |
| Loan and lease loss provision to assets | 0.4900% | 188 |
| Net operating income to assets | 0.2673% | 4,072 |
| Return on assets (ROA) | 0.2673% | 4,078 |
| Pretax return on assets | 0.2882% | 4,101 |
| Return on Equity (ROE) | 2.6500% | 4,080 |
| Retained earnings to average equity (ytd only) | 2.6517% | 3,395 |
| Net charge-offs to loans | 0.0107% | 2,246 |
| Credit loss provision to net charge-offs | 8,430.0000% | 65 |
| Earnings coverage of net charge-offs (x) | 134.1000% | 768 |
| Efficiency ratio | 41.4911% | 4,328 |
| Assets per employee ($millions) | 6.1579% | 2,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8954% | 3,727 |
| Loan loss allowance to noncurrent loans | 255.8282% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.1891% | 2,282 |
| Noncurrent loans to loans | 0.3500% | 1,930 |
| Net loans and leases to total assets | 53.5400% | 3,385 |
| Net loans and leases to deposits | 60.9011% | 3,477 |
| Net loans and leases to core deposits | 62.9961% | 3,637 |
| Total domestic deposits to total assets | 87.9100% | 1,389 |
| Equity capital to assets | 11.8918% | 1,165 |
| Core capital (leverage) ratio | 8.1932% | 4,257 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $172,817,200 | 3,177 |
| Average earning assets | $164,149,000 | 3,140 |
| Average equity | $17,423,000 | 3,057 |
| Average total loans | $93,260,200 | 3,249 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6655% | 2,543 |
| Cost of funding earning assets | 0.7143% | 3,734 |
| Net interest margin | 3.9512% | 1,300 |
| Noninterest income to average assets | 0.5000% | 1,963 |
| Noninterest expense to average assets | 2.5391% | 2,112 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7380% | 747 |
| Return on assets (ROA) | 1.7380% | 731 |
| Pretax return on assets | 1.7503% | 1,081 |
| Return on Equity (ROE) | 18.0500% | 946 |
| Retained earnings to average equity (ytd only) | 16.4453% | 431 |
| Net charge-offs to loans | 0.0157% | 1,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 206.3636% | 586 |
| Efficiency ratio | 59.1947% | 3,064 |
| Assets per employee ($millions) | 6.0487% | 2,703 |
| Cash dividends to net income (ytd only)* | 8.8731% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9247% | 3,649 |
| Loan loss allowance to noncurrent loans | 665.4135% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.0785% | 3,070 |
| Noncurrent loans to loans | 0.1390% | 2,858 |
| Net loans and leases to total assets | 55.9900% | 3,207 |
| Net loans and leases to deposits | 62.3923% | 3,378 |
| Net loans and leases to core deposits | 64.9012% | 3,484 |
| Total domestic deposits to total assets | 89.7300% | 1,010 |
| Equity capital to assets | 10.1999% | 1,706 |
| Core capital (leverage) ratio | 11.7856% | 1,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $172,916,250 | 3,189 |
| Average earning assets | $165,752,250 | 3,139 |
| Average equity | $16,652,750 | 3,105 |
| Average total loans | $93,288,750 | 3,256 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 2,381 |
| Cost of funding earning assets | 0.6468% | 3,634 |
| Net interest margin | 3.9717% | 1,290 |
| Noninterest income to average assets | 0.5100% | 1,835 |
| Noninterest expense to average assets | 2.3722% | 2,588 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.9357% | 524 |
| Return on assets (ROA) | 1.9357% | 523 |
| Pretax return on assets | 1.9483% | 808 |
| Return on Equity (ROE) | 20.4900% | 659 |
| Retained earnings to average equity (ytd only) | 18.0598% | 338 |
| Net charge-offs to loans | 0.0195% | 1,504 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 188.4444% | 640 |
| Efficiency ratio | 54.9056% | 3,542 |
| Assets per employee ($millions) | 5.2289% | 3,378 |
| Cash dividends to net income (ytd only)* | 11.8694% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 3,608 |
| Loan loss allowance to noncurrent loans | 2,217.5000% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0232% | 3,576 |
| Noncurrent loans to loans | 0.0429% | 3,417 |
| Net loans and leases to total assets | 53.4900% | 3,302 |
| Net loans and leases to deposits | 59.5050% | 3,453 |
| Net loans and leases to core deposits | 61.5834% | 3,553 |
| Total domestic deposits to total assets | 89.8900% | 951 |
| Equity capital to assets | 9.9684% | 1,876 |
| Core capital (leverage) ratio | 11.1043% | 1,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $174,100,333 | 3,187 |
| Average earning assets | $166,980,667 | 3,133 |
| Average equity | $16,445,333 | 3,150 |
| Average total loans | $92,483,333 | 3,261 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 2,433 |
| Cost of funding earning assets | 0.5763% | 3,458 |
| Net interest margin | 3.8719% | 1,535 |
| Noninterest income to average assets | 0.5200% | 1,761 |
| Noninterest expense to average assets | 2.3766% | 2,596 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8482% | 620 |
| Return on assets (ROA) | 1.8482% | 608 |
| Pretax return on assets | 1.8596% | 972 |
| Return on Equity (ROE) | 20.1200% | 749 |
| Retained earnings to average equity (ytd only) | 17.6256% | 550 |
| Net charge-offs to loans | 0.0304% | 1,101 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 116.1429% | 722 |
| Efficiency ratio | 56.1015% | 3,401 |
| Assets per employee ($millions) | 5.5271% | 3,191 |
| Cash dividends to net income (ytd only)* | 12.3762% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 3,579 |
| Loan loss allowance to noncurrent loans | 5,926.6667% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0082% | 3,794 |
| Noncurrent loans to loans | 0.0166% | 3,679 |
| Net loans and leases to total assets | 49.0400% | 3,564 |
| Net loans and leases to deposits | 54.0407% | 3,679 |
| Net loans and leases to core deposits | 55.7079% | 3,758 |
| Total domestic deposits to total assets | 90.7400% | 894 |
| Equity capital to assets | 9.1111% | 2,432 |
| Core capital (leverage) ratio | 10.4619% | 2,266 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $174,873,000 | 3,220 |
| Average earning assets | $167,980,000 | 3,166 |
| Average equity | $16,067,500 | 3,211 |
| Average total loans | $92,131,500 | 3,300 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3149% | 3,552 |
| Cost of funding earning assets | 0.2067% | 3,701 |
| Net interest margin | 3.1082% | 3,158 |
| Noninterest income to average assets | 0.5100% | 2,035 |
| Noninterest expense to average assets | 2.3960% | 2,434 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0827% | 2,248 |
| Return on assets (ROA) | 1.0827% | 2,191 |
| Pretax return on assets | 1.0955% | 2,788 |
| Return on Equity (ROE) | 11.7000% | 2,240 |
| Retained earnings to average equity (ytd only) | 6.4931% | 2,452 |
| Net charge-offs to loans | 0.0143% | 1,846 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 144.3077% | 807 |
| Efficiency ratio | 67.6033% | 2,007 |
| Assets per employee ($millions) | 5.0713% | 3,616 |
| Cash dividends to net income (ytd only)* | 44.4984% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9539% | 3,585 |
| Loan loss allowance to noncurrent loans | 5,973.3333% | 252 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 3,809 |
| Noncurrent loans to loans | 0.0160% | 3,723 |
| Net loans and leases to total assets | 55.5900% | 3,075 |
| Net loans and leases to deposits | 61.5398% | 3,232 |
| Net loans and leases to core deposits | 62.3156% | 3,372 |
| Total domestic deposits to total assets | 90.3400% | 1,227 |
| Equity capital to assets | 9.2720% | 2,178 |
| Core capital (leverage) ratio | 10.9049% | 1,878 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $171,242,000 | 3,262 |
| Average earning assets | $164,469,600 | 3,207 |
| Average equity | $15,847,600 | 3,289 |
| Average total loans | $90,740,000 | 3,281 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1433% | 3,571 |
| Cost of funding earning assets | 0.1458% | 3,886 |
| Net interest margin | 2.9974% | 3,224 |
| Noninterest income to average assets | 0.5100% | 2,099 |
| Noninterest expense to average assets | 2.3931% | 2,356 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9887% | 2,513 |
| Return on assets (ROA) | 0.9887% | 2,489 |
| Pretax return on assets | 1.0011% | 3,010 |
| Return on Equity (ROE) | 10.6900% | 2,509 |
| Retained earnings to average equity (ytd only) | 8.1771% | 1,936 |
| Net charge-offs to loans | 0.0163% | 1,530 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 117.5455% | 859 |
| Efficiency ratio | 69.4571% | 1,828 |
| Assets per employee ($millions) | 4.9614% | 3,710 |
| Cash dividends to net income (ytd only)* | 23.4926% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9574% | 3,661 |
| Loan loss allowance to noncurrent loans | 855.2381% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 3,246 |
| Noncurrent loans to loans | 0.1120% | 3,088 |
| Net loans and leases to total assets | 56.7400% | 2,831 |
| Net loans and leases to deposits | 62.5424% | 2,982 |
| Net loans and leases to core deposits | 63.0942% | 3,181 |
| Total domestic deposits to total assets | 90.7200% | 1,350 |
| Equity capital to assets | 9.1715% | 2,106 |
| Core capital (leverage) ratio | 10.7357% | 1,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $172,214,250 | 3,278 |
| Average earning assets | $165,471,250 | 3,222 |
| Average equity | $15,930,250 | 3,327 |
| Average total loans | $89,941,250 | 3,299 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9376% | 3,702 |
| Cost of funding earning assets | 0.1425% | 3,671 |
| Net interest margin | 2.7951% | 3,461 |
| Noninterest income to average assets | 0.5233% | 2,072 |
| Noninterest expense to average assets | 2.3011% | 2,549 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8981% | 2,590 |
| Return on assets (ROA) | 0.8981% | 2,562 |
| Pretax return on assets | 0.9106% | 3,024 |
| Return on Equity (ROE) | 9.6828% | 2,462 |
| Retained earnings to average equity (ytd only) | 7.2190% | 1,908 |
| Net charge-offs to loans | -0.0203% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5443% | 1,882 |
| Assets per employee ($millions) | 5.1004% | 3,589 |
| Cash dividends to net income (ytd only)* | 25.4453% | 2,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,572 |
| Loan loss allowance to noncurrent loans | 7,061.5385% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 3,965 |
| Noncurrent loans to loans | 0.0142% | 3,862 |
| Net loans and leases to total assets | 52.1504% | 3,136 |
| Net loans and leases to deposits | 57.3710% | 3,280 |
| Net loans and leases to core deposits | 58.0366% | 3,419 |
| Total domestic deposits to total assets | 90.9003% | 1,277 |
| Equity capital to assets | 9.0040% | 2,386 |
| Core capital (leverage) ratio | 9.9596% | 2,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,044,000 | 3,289 |
| Average earning assets | $168,366,000 | 3,233 |
| Average equity | $16,235,000 | 3,387 |
| Average total loans | $88,658,000 | 3,343 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7648% | 3,814 |
| Cost of funding earning assets | 0.1440% | 3,579 |
| Net interest margin | 2.6208% | 3,609 |
| Noninterest income to average assets | 0.5322% | 1,986 |
| Noninterest expense to average assets | 2.3291% | 2,395 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7165% | 2,997 |
| Return on assets (ROA) | 0.7165% | 2,985 |
| Pretax return on assets | 0.7279% | 3,311 |
| Return on Equity (ROE) | 7.6154% | 2,835 |
| Retained earnings to average equity (ytd only) | 5.1978% | 2,515 |
| Net charge-offs to loans | -0.0504% | 4,257 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0744% | 1,624 |
| Assets per employee ($millions) | 5.3456% | 3,451 |
| Cash dividends to net income (ytd only)* | 31.7460% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 3,390 |
| Loan loss allowance to noncurrent loans | 2,421.0526% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 3,836 |
| Noncurrent loans to loans | 0.0448% | 3,659 |
| Net loans and leases to total assets | 46.1260% | 3,563 |
| Net loans and leases to deposits | 50.6094% | 3,682 |
| Net loans and leases to core deposits | 51.1673% | 3,791 |
| Total domestic deposits to total assets | 91.1412% | 957 |
| Equity capital to assets | 8.7377% | 2,941 |
| Core capital (leverage) ratio | 9.5723% | 2,718 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $175,860,000 | 3,296 |
| Average earning assets | $169,412,500 | 3,229 |
| Average equity | $16,545,500 | 3,433 |
| Average total loans | $87,310,500 | 3,369 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4522% | 2,795 |
| Cost of funding earning assets | 0.1725% | 3,748 |
| Net interest margin | 3.2797% | 2,365 |
| Noninterest income to average assets | 0.5944% | 2,182 |
| Noninterest expense to average assets | 2.5472% | 2,034 |
| Loan and lease loss provision to assets | 0.0139% | 2,808 |
| Net operating income to assets | 1.1616% | 2,052 |
| Return on assets (ROA) | 1.1616% | 2,116 |
| Pretax return on assets | 1.1647% | 2,777 |
| Return on Equity (ROE) | 10.7067% | 2,275 |
| Retained earnings to average equity (ytd only) | 5.9088% | 2,396 |
| Net charge-offs to loans | 0.0319% | 1,600 |
| Credit loss provision to net charge-offs | 78.5714% | 1,963 |
| Earnings coverage of net charge-offs (x) | 66.7143% | 1,112 |
| Efficiency ratio | 67.3328% | 2,074 |
| Assets per employee ($millions) | 4.9991% | 3,727 |
| Cash dividends to net income (ytd only)* | 44.8126% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,696 |
| Loan loss allowance to noncurrent loans | 804.4248% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.0665% | 3,502 |
| Noncurrent loans to loans | 0.1257% | 3,305 |
| Net loans and leases to total assets | 52.3375% | 3,022 |
| Net loans and leases to deposits | 58.4801% | 3,206 |
| Net loans and leases to core deposits | 59.1824% | 3,376 |
| Total domestic deposits to total assets | 89.4963% | 1,239 |
| Equity capital to assets | 10.1254% | 2,538 |
| Core capital (leverage) ratio | 10.3971% | 1,997 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $158,489,400 | 3,408 |
| Average earning assets | $151,325,000 | 3,367 |
| Average equity | $17,194,800 | 3,443 |
| Average total loans | $87,787,200 | 3,368 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 2,504 |
| Cost of funding earning assets | 0.1843% | 3,767 |
| Net interest margin | 3.4320% | 2,065 |
| Noninterest income to average assets | 0.5715% | 2,332 |
| Noninterest expense to average assets | 2.5549% | 1,968 |
| Loan and lease loss provision to assets | 0.0071% | 2,840 |
| Net operating income to assets | 1.2766% | 1,899 |
| Return on assets (ROA) | 1.2766% | 1,958 |
| Pretax return on assets | 1.2800% | 2,676 |
| Return on Equity (ROE) | 11.5561% | 2,191 |
| Retained earnings to average equity (ytd only) | 9.2294% | 1,605 |
| Net charge-offs to loans | 0.0428% | 1,248 |
| Credit loss provision to net charge-offs | 28.5714% | 1,958 |
| Earnings coverage of net charge-offs (x) | 53.6429% | 1,200 |
| Efficiency ratio | 65.4773% | 2,174 |
| Assets per employee ($millions) | 4.2265% | 4,313 |
| Cash dividends to net income (ytd only)* | 20.1342% | 2,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 3,835 |
| Loan loss allowance to noncurrent loans | 1,131.6456% | 732 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 3,806 |
| Noncurrent loans to loans | 0.0886% | 3,639 |
| Net loans and leases to total assets | 56.4552% | 2,678 |
| Net loans and leases to deposits | 63.6974% | 2,882 |
| Net loans and leases to core deposits | 64.6897% | 3,069 |
| Total domestic deposits to total assets | 88.6302% | 1,495 |
| Equity capital to assets | 11.2438% | 1,859 |
| Core capital (leverage) ratio | 11.1046% | 1,606 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,619,750 | 3,468 |
| Average earning assets | $148,288,500 | 3,431 |
| Average equity | $17,191,000 | 3,488 |
| Average total loans | $87,267,500 | 3,418 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8030% | 2,056 |
| Cost of funding earning assets | 0.1957% | 3,799 |
| Net interest margin | 3.6073% | 1,576 |
| Noninterest income to average assets | 0.5703% | 2,337 |
| Noninterest expense to average assets | 2.5308% | 2,047 |
| Loan and lease loss provision to assets | 0.0103% | 2,730 |
| Net operating income to assets | 1.4662% | 1,383 |
| Return on assets (ROA) | 1.4662% | 1,443 |
| Pretax return on assets | 1.4701% | 2,110 |
| Return on Equity (ROE) | 13.3526% | 1,607 |
| Retained earnings to average equity (ytd only) | 11.0080% | 1,122 |
| Net charge-offs to loans | 0.0139% | 1,673 |
| Credit loss provision to net charge-offs | 133.3333% | 1,213 |
| Earnings coverage of net charge-offs (x) | 191.6667% | 507 |
| Efficiency ratio | 62.0988% | 2,714 |
| Assets per employee ($millions) | 4.2754% | 4,271 |
| Cash dividends to net income (ytd only)* | 17.5593% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0291% | 3,724 |
| Loan loss allowance to noncurrent loans | 1,091.6667% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 3,882 |
| Noncurrent loans to loans | 0.0943% | 3,706 |
| Net loans and leases to total assets | 55.7514% | 2,933 |
| Net loans and leases to deposits | 62.7281% | 3,130 |
| Net loans and leases to core deposits | 63.8060% | 3,305 |
| Total domestic deposits to total assets | 88.8778% | 1,341 |
| Equity capital to assets | 11.0059% | 1,963 |
| Core capital (leverage) ratio | 10.6744% | 1,811 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,366,667 | 3,476 |
| Average earning assets | $148,200,333 | 3,442 |
| Average equity | $17,060,333 | 3,505 |
| Average total loans | $86,630,667 | 3,446 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1013% | 1,379 |
| Cost of funding earning assets | 0.2075% | 3,846 |
| Net interest margin | 3.8938% | 996 |
| Noninterest income to average assets | 0.5508% | 2,404 |
| Noninterest expense to average assets | 2.4475% | 2,334 |
| Loan and lease loss provision to assets | 0.0208% | 2,510 |
| Net operating income to assets | 1.7823% | 813 |
| Return on assets (ROA) | 1.7823% | 864 |
| Pretax return on assets | 1.7875% | 1,314 |
| Return on Equity (ROE) | 16.2506% | 971 |
| Retained earnings to average equity (ytd only) | 13.8817% | 769 |
| Net charge-offs to loans | 0.0187% | 1,366 |
| Credit loss provision to net charge-offs | 200.0000% | 884 |
| Earnings coverage of net charge-offs (x) | 174.0000% | 442 |
| Efficiency ratio | 56.5934% | 3,478 |
| Assets per employee ($millions) | 4.3832% | 4,207 |
| Cash dividends to net income (ytd only)* | 14.5773% | 2,156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0623% | 3,607 |
| Loan loss allowance to noncurrent loans | 134.3567% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.4218% | 2,134 |
| Noncurrent loans to loans | 0.7906% | 1,668 |
| Net loans and leases to total assets | 52.7765% | 3,372 |
| Net loans and leases to deposits | 59.1120% | 3,552 |
| Net loans and leases to core deposits | 59.9903% | 3,702 |
| Total domestic deposits to total assets | 89.2823% | 1,179 |
| Equity capital to assets | 10.5667% | 2,200 |
| Core capital (leverage) ratio | 10.6797% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $153,956,000 | 3,489 |
| Average earning assets | $146,490,000 | 3,456 |
| Average equity | $16,885,500 | 3,522 |
| Average total loans | $85,391,500 | 3,478 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8892% | 3,058 |
| Cost of funding earning assets | 0.3140% | 4,065 |
| Net interest margin | 3.5753% | 2,232 |
| Noninterest income to average assets | 0.6122% | 2,174 |
| Noninterest expense to average assets | 2.8154% | 1,899 |
| Loan and lease loss provision to assets | 0.0434% | 3,861 |
| Net operating income to assets | 1.1139% | 1,869 |
| Return on assets (ROA) | 1.1139% | 1,988 |
| Pretax return on assets | 1.1283% | 2,594 |
| Return on Equity (ROE) | 9.4109% | 2,234 |
| Retained earnings to average equity (ytd only) | 4.0673% | 2,786 |
| Net charge-offs to loans | 0.0738% | 1,747 |
| Credit loss provision to net charge-offs | 95.2381% | 2,886 |
| Earnings coverage of net charge-offs (x) | 25.7302% | 1,736 |
| Efficiency ratio | 69.5069% | 2,015 |
| Assets per employee ($millions) | 3.9387% | 4,417 |
| Cash dividends to net income (ytd only)* | 56.7813% | 1,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0858% | 3,528 |
| Loan loss allowance to noncurrent loans | 2,346.1538% | 348 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 4,241 |
| Noncurrent loans to loans | 0.0463% | 4,110 |
| Net loans and leases to total assets | 57.1981% | 3,176 |
| Net loans and leases to deposits | 64.8761% | 3,370 |
| Net loans and leases to core deposits | 66.2255% | 3,525 |
| Total domestic deposits to total assets | 88.1653% | 1,399 |
| Equity capital to assets | 11.4141% | 1,950 |
| Core capital (leverage) ratio | 11.0571% | 1,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $138,346,800 | 3,533 |
| Average earning assets | $130,592,200 | 3,496 |
| Average equity | $16,374,600 | 3,515 |
| Average total loans | $85,403,400 | 3,479 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0311% | 2,885 |
| Cost of funding earning assets | 0.3353% | 4,125 |
| Net interest margin | 3.6958% | 1,961 |
| Noninterest income to average assets | 0.6105% | 2,131 |
| Noninterest expense to average assets | 2.7867% | 2,007 |
| Loan and lease loss provision to assets | 0.0440% | 3,809 |
| Net operating income to assets | 1.2522% | 1,475 |
| Return on assets (ROA) | 1.2522% | 1,592 |
| Pretax return on assets | 1.2679% | 2,163 |
| Return on Equity (ROE) | 10.4802% | 1,849 |
| Retained earnings to average equity (ytd only) | 7.2102% | 1,607 |
| Net charge-offs to loans | 0.0685% | 1,635 |
| Credit loss provision to net charge-offs | 102.2727% | 2,605 |
| Earnings coverage of net charge-offs (x) | 30.5227% | 1,562 |
| Efficiency ratio | 66.8970% | 2,330 |
| Assets per employee ($millions) | 3.8176% | 4,465 |
| Cash dividends to net income (ytd only)* | 31.2012% | 2,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 3,489 |
| Loan loss allowance to noncurrent loans | 785.4701% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 4,020 |
| Noncurrent loans to loans | 0.1331% | 3,847 |
| Net loans and leases to total assets | 61.5590% | 3,064 |
| Net loans and leases to deposits | 70.0479% | 3,312 |
| Net loans and leases to core deposits | 71.5535% | 3,516 |
| Total domestic deposits to total assets | 87.8813% | 1,270 |
| Equity capital to assets | 11.9601% | 1,699 |
| Core capital (leverage) ratio | 11.6188% | 1,517 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,500,500 | 3,545 |
| Average earning assets | $128,828,750 | 3,508 |
| Average equity | $16,309,750 | 3,524 |
| Average total loans | $85,686,500 | 3,490 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 2,905 |
| Cost of funding earning assets | 0.3643% | 4,205 |
| Net interest margin | 3.7870% | 1,871 |
| Noninterest income to average assets | 0.6107% | 2,092 |
| Noninterest expense to average assets | 2.9055% | 1,814 |
| Loan and lease loss provision to assets | 0.0445% | 3,732 |
| Net operating income to assets | 1.2200% | 1,585 |
| Return on assets (ROA) | 1.2200% | 1,707 |
| Pretax return on assets | 1.2363% | 2,232 |
| Return on Equity (ROE) | 10.2141% | 1,923 |
| Retained earnings to average equity (ytd only) | 6.4908% | 1,867 |
| Net charge-offs to loans | 0.0141% | 2,470 |
| Credit loss provision to net charge-offs | 500.0000% | 1,228 |
| Earnings coverage of net charge-offs (x) | 144.0000% | 549 |
| Efficiency ratio | 68.3074% | 2,198 |
| Assets per employee ($millions) | 4.0091% | 4,305 |
| Cash dividends to net income (ytd only)* | 36.4520% | 2,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0959% | 3,087 |
| Loan loss allowance to noncurrent loans | 195.4357% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 2,924 |
| Noncurrent loans to loans | 0.5608% | 2,481 |
| Net loans and leases to total assets | 60.5862% | 3,259 |
| Net loans and leases to deposits | 68.8072% | 3,503 |
| Net loans and leases to core deposits | 70.2920% | 3,682 |
| Total domestic deposits to total assets | 88.0522% | 1,145 |
| Equity capital to assets | 11.7981% | 1,783 |
| Core capital (leverage) ratio | 11.6102% | 1,601 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $134,916,333 | 3,548 |
| Average earning assets | $127,383,333 | 3,507 |
| Average equity | $16,115,000 | 3,540 |
| Average total loans | $84,957,667 | 3,501 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2824% | 2,978 |
| Cost of funding earning assets | 0.3978% | 4,371 |
| Net interest margin | 3.8847% | 1,720 |
| Noninterest income to average assets | 0.5657% | 2,205 |
| Noninterest expense to average assets | 2.8681% | 2,221 |
| Loan and lease loss provision to assets | 0.0454% | 3,210 |
| Net operating income to assets | 1.2949% | 1,256 |
| Return on assets (ROA) | 1.2949% | 1,355 |
| Pretax return on assets | 1.3160% | 1,826 |
| Return on Equity (ROE) | 10.7707% | 1,483 |
| Retained earnings to average equity (ytd only) | 5.7377% | 1,980 |
| Net charge-offs to loans | 0.0047% | 2,409 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 450.0000% | 145 |
| Efficiency ratio | 66.7382% | 2,853 |
| Assets per employee ($millions) | 4.1758% | 3,689 |
| Cash dividends to net income (ytd only)* | 46.7290% | 1,721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 3,096 |
| Loan loss allowance to noncurrent loans | 681.0219% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1025% | 4,105 |
| Noncurrent loans to loans | 0.1642% | 3,874 |
| Net loans and leases to total assets | 61.7531% | 3,327 |
| Net loans and leases to deposits | 70.4004% | 3,560 |
| Net loans and leases to core deposits | 71.6872% | 3,773 |
| Total domestic deposits to total assets | 87.7170% | 1,222 |
| Equity capital to assets | 12.0667% | 2,019 |
| Core capital (leverage) ratio | 11.6765% | 1,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $132,215,000 | 3,560 |
| Average earning assets | $124,695,000 | 3,512 |
| Average equity | $15,895,000 | 3,563 |
| Average total loans | $84,458,500 | 3,510 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5592% | 2,749 |
| Cost of funding earning assets | 0.4055% | 4,427 |
| Net interest margin | 4.1536% | 1,416 |
| Noninterest income to average assets | 0.6190% | 2,137 |
| Noninterest expense to average assets | 3.1284% | 1,693 |
| Loan and lease loss provision to assets | 0.0814% | 2,376 |
| Net operating income to assets | 1.2919% | 1,725 |
| Return on assets (ROA) | 1.2919% | 1,802 |
| Pretax return on assets | 1.3203% | 2,441 |
| Return on Equity (ROE) | 10.6793% | 2,014 |
| Retained earnings to average equity (ytd only) | 5.2874% | 2,278 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9930% | 2,459 |
| Assets per employee ($millions) | 4.0877% | 3,792 |
| Cash dividends to net income (ytd only)* | 50.4896% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 3,081 |
| Loan loss allowance to noncurrent loans | 540.5882% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1300% | 3,990 |
| Noncurrent loans to loans | 0.1989% | 3,744 |
| Net loans and leases to total assets | 64.6362% | 3,116 |
| Net loans and leases to deposits | 73.8056% | 3,371 |
| Net loans and leases to core deposits | 75.1852% | 3,637 |
| Total domestic deposits to total assets | 87.5763% | 1,330 |
| Equity capital to assets | 11.9765% | 2,149 |
| Core capital (leverage) ratio | 11.7584% | 1,917 |
| Tier 1 risk-based capital ratio | 17.3734% | 1,931 |
| Total risk-based capital ratio | 18.4084% | 1,940 |
| Memoranda: | ||
| Average total assets | $126,485,000 | 3,609 |
| Average earning assets | $119,100,200 | 3,569 |
| Average equity | $15,300,600 | 3,610 |
| Average total loans | $83,233,800 | 3,537 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5788% | 2,798 |
| Cost of funding earning assets | 0.4011% | 4,499 |
| Net interest margin | 4.1777% | 1,423 |
| Noninterest income to average assets | 0.6113% | 2,143 |
| Noninterest expense to average assets | 3.0907% | 1,733 |
| Loan and lease loss provision to assets | 0.0776% | 2,348 |
| Net operating income to assets | 1.3492% | 1,647 |
| Return on assets (ROA) | 1.3492% | 1,719 |
| Pretax return on assets | 1.3747% | 2,404 |
| Return on Equity (ROE) | 11.1245% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.6180% | 1,574 |
| Net charge-offs to loans | -0.0032% | 4,121 |
| Credit loss provision to net charge-offs | -3,650.0000% | 4,608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9553% | 2,599 |
| Assets per employee ($millions) | 4.0250% | 3,869 |
| Cash dividends to net income (ytd only)* | 31.5208% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0621% | 3,220 |
| Loan loss allowance to noncurrent loans | 349.0196% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 3,773 |
| Noncurrent loans to loans | 0.3043% | 3,445 |
| Net loans and leases to total assets | 64.3670% | 3,249 |
| Net loans and leases to deposits | 73.4925% | 3,521 |
| Net loans and leases to core deposits | 74.9557% | 3,766 |
| Total domestic deposits to total assets | 87.5830% | 1,224 |
| Equity capital to assets | 12.2144% | 2,102 |
| Core capital (leverage) ratio | 12.0926% | 1,795 |
| Tier 1 risk-based capital ratio | 18.9190% | 1,581 |
| Total risk-based capital ratio | 20.0073% | 1,587 |
| Memoranda: | ||
| Average total assets | $125,404,750 | 3,657 |
| Average earning assets | $118,019,250 | 3,623 |
| Average equity | $15,209,250 | 3,652 |
| Average total loans | $82,675,500 | 3,583 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5395% | 2,885 |
| Cost of funding earning assets | 0.3846% | 4,564 |
| Net interest margin | 4.1549% | 1,475 |
| Noninterest income to average assets | 0.6051% | 2,126 |
| Noninterest expense to average assets | 3.0578% | 1,844 |
| Loan and lease loss provision to assets | 0.0692% | 2,437 |
| Net operating income to assets | 1.3712% | 1,512 |
| Return on assets (ROA) | 1.3712% | 1,569 |
| Pretax return on assets | 1.3905% | 2,237 |
| Return on Equity (ROE) | 11.3336% | 1,854 |
| Retained earnings to average equity (ytd only) | 7.3429% | 1,674 |
| Net charge-offs to loans | -0.0292% | 4,670 |
| Credit loss provision to net charge-offs | -358.3333% | 4,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5835% | 2,737 |
| Assets per employee ($millions) | 4.0778% | 3,767 |
| Cash dividends to net income (ytd only)* | 35.2113% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0553% | 3,309 |
| Loan loss allowance to noncurrent loans | 696.8000% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.0989% | 4,260 |
| Noncurrent loans to loans | 0.1515% | 4,005 |
| Net loans and leases to total assets | 64.5996% | 3,275 |
| Net loans and leases to deposits | 73.7419% | 3,542 |
| Net loans and leases to core deposits | 75.3045% | 3,786 |
| Total domestic deposits to total assets | 87.6023% | 1,283 |
| Equity capital to assets | 12.2141% | 2,045 |
| Core capital (leverage) ratio | 11.9495% | 1,858 |
| Tier 1 risk-based capital ratio | 17.8121% | 1,852 |
| Total risk-based capital ratio | 18.8368% | 1,869 |
| Memoranda: | ||
| Average total assets | $124,273,330 | 3,698 |
| Average earning assets | $117,017,330 | 3,659 |
| Average equity | $15,035,000 | 3,677 |
| Average total loans | $82,302,670 | 3,613 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 2,982 |
| Cost of funding earning assets | 0.3486% | 4,685 |
| Net interest margin | 4.1174% | 1,506 |
| Noninterest income to average assets | 0.5974% | 2,058 |
| Noninterest expense to average assets | 3.0291% | 1,905 |
| Loan and lease loss provision to assets | 0.0747% | 2,185 |
| Net operating income to assets | 1.3506% | 1,525 |
| Return on assets (ROA) | 1.3506% | 1,563 |
| Pretax return on assets | 1.3668% | 2,205 |
| Return on Equity (ROE) | 11.2186% | 1,858 |
| Retained earnings to average equity (ytd only) | 5.8250% | 2,535 |
| Net charge-offs to loans | -0.0827% | 4,980 |
| Credit loss provision to net charge-offs | -135.2941% | 3,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 2,838 |
| Assets per employee ($millions) | 3.9426% | 4,004 |
| Cash dividends to net income (ytd only)* | 48.0769% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 3,459 |
| Loan loss allowance to noncurrent loans | 1,055.5556% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 4,503 |
| Noncurrent loans to loans | 0.0986% | 4,302 |
| Net loans and leases to total assets | 64.4222% | 3,233 |
| Net loans and leases to deposits | 73.2945% | 3,510 |
| Net loans and leases to core deposits | 74.7767% | 3,749 |
| Total domestic deposits to total assets | 87.8950% | 1,394 |
| Equity capital to assets | 11.8894% | 2,094 |
| Core capital (leverage) ratio | 11.9293% | 1,816 |
| Tier 1 risk-based capital ratio | 17.5091% | 1,939 |
| Total risk-based capital ratio | 18.5215% | 1,965 |
| Memoranda: | ||
| Average total assets | $123,204,500 | 3,746 |
| Average earning assets | $115,897,500 | 3,714 |
| Average equity | $14,832,500 | 3,711 |
| Average total loans | $82,188,000 | 3,650 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 2,617 |
| Cost of funding earning assets | 0.2706% | 4,703 |
| Net interest margin | 4.1754% | 1,464 |
| Noninterest income to average assets | 0.6903% | 1,886 |
| Noninterest expense to average assets | 3.2764% | 1,382 |
| Loan and lease loss provision to assets | 0.1311% | 1,672 |
| Net operating income to assets | 1.1818% | 2,259 |
| Return on assets (ROA) | 1.1818% | 2,252 |
| Pretax return on assets | 1.1852% | 2,933 |
| Return on Equity (ROE) | 9.7330% | 2,626 |
| Retained earnings to average equity (ytd only) | 5.0302% | 2,750 |
| Net charge-offs to loans | 0.1389% | 1,368 |
| Credit loss provision to net charge-offs | 137.1681% | 1,957 |
| Earnings coverage of net charge-offs (x) | 13.7699% | 2,425 |
| Efficiency ratio | 70.2155% | 2,145 |
| Assets per employee ($millions) | 3.4356% | 4,625 |
| Cash dividends to net income (ytd only)* | 48.3178% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 3,749 |
| Loan loss allowance to noncurrent loans | 1,117.8082% | 566 |
| Noncurrent assets plus other real estate owned to assets | 0.0607% | 4,535 |
| Noncurrent loans to loans | 0.0888% | 4,352 |
| Net loans and leases to total assets | 67.7178% | 2,918 |
| Net loans and leases to deposits | 77.4959% | 3,229 |
| Net loans and leases to core deposits | 78.7665% | 3,519 |
| Total domestic deposits to total assets | 87.3825% | 1,590 |
| Equity capital to assets | 12.1958% | 1,761 |
| Core capital (leverage) ratio | 11.8919% | 1,805 |
| Tier 1 risk-based capital ratio | 17.2882% | 1,957 |
| Total risk-based capital ratio | 18.2574% | 2,012 |
| Memoranda: | ||
| Average total assets | $118,210,800 | 3,817 |
| Average earning assets | $110,481,000 | 3,794 |
| Average equity | $14,353,200 | 3,708 |
| Average total loans | $81,381,000 | 3,640 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 2,748 |
| Cost of funding earning assets | 0.2391% | 4,848 |
| Net interest margin | 4.1256% | 1,556 |
| Noninterest income to average assets | 0.6763% | 1,953 |
| Noninterest expense to average assets | 3.1684% | 1,605 |
| Loan and lease loss provision to assets | 0.1189% | 1,705 |
| Net operating income to assets | 1.2359% | 2,104 |
| Return on assets (ROA) | 1.2359% | 2,105 |
| Pretax return on assets | 1.2393% | 2,848 |
| Return on Equity (ROE) | 10.1899% | 2,535 |
| Retained earnings to average equity (ytd only) | 7.3879% | 1,933 |
| Net charge-offs to loans | 0.0838% | 1,681 |
| Credit loss provision to net charge-offs | 205.8824% | 1,346 |
| Earnings coverage of net charge-offs (x) | 23.5093% | 1,842 |
| Efficiency ratio | 68.8438% | 2,379 |
| Assets per employee ($millions) | 3.3987% | 4,687 |
| Cash dividends to net income (ytd only)* | 27.4977% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9982% | 3,781 |
| Loan loss allowance to noncurrent loans | 335.6275% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2076% | 3,906 |
| Noncurrent loans to loans | 0.2974% | 3,612 |
| Net loans and leases to total assets | 69.1206% | 2,784 |
| Net loans and leases to deposits | 78.9698% | 3,143 |
| Net loans and leases to core deposits | 80.8681% | 3,421 |
| Total domestic deposits to total assets | 87.5278% | 1,474 |
| Equity capital to assets | 12.3107% | 1,691 |
| Core capital (leverage) ratio | 12.5478% | 1,474 |
| Tier 1 risk-based capital ratio | 17.3583% | 1,979 |
| Total risk-based capital ratio | 18.3433% | 2,010 |
| Memoranda: | ||
| Average total assets | $117,702,000 | 3,864 |
| Average earning assets | $109,846,750 | 3,847 |
| Average equity | $14,275,250 | 3,744 |
| Average total loans | $81,165,250 | 3,673 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 2,795 |
| Cost of funding earning assets | 0.2338% | 4,829 |
| Net interest margin | 4.0570% | 1,679 |
| Noninterest income to average assets | 0.6872% | 1,925 |
| Noninterest expense to average assets | 3.1990% | 1,535 |
| Loan and lease loss provision to assets | 0.1279% | 1,554 |
| Net operating income to assets | 1.1425% | 2,421 |
| Return on assets (ROA) | 1.1425% | 2,430 |
| Pretax return on assets | 1.1476% | 3,139 |
| Return on Equity (ROE) | 9.4684% | 2,815 |
| Retained earnings to average equity (ytd only) | 6.6420% | 2,238 |
| Net charge-offs to loans | 0.0695% | 1,646 |
| Credit loss provision to net charge-offs | 267.8571% | 1,092 |
| Earnings coverage of net charge-offs (x) | 26.7143% | 1,590 |
| Efficiency ratio | 70.3125% | 2,259 |
| Assets per employee ($millions) | 3.4773% | 4,624 |
| Cash dividends to net income (ytd only)* | 29.8507% | 2,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,782 |
| Loan loss allowance to noncurrent loans | 245.0746% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2834% | 3,635 |
| Noncurrent loans to loans | 0.4115% | 3,222 |
| Net loans and leases to total assets | 68.1691% | 2,837 |
| Net loans and leases to deposits | 77.7171% | 3,182 |
| Net loans and leases to core deposits | 79.6228% | 3,452 |
| Total domestic deposits to total assets | 87.7144% | 1,528 |
| Equity capital to assets | 12.1316% | 1,762 |
| Core capital (leverage) ratio | 12.1691% | 1,606 |
| Tier 1 risk-based capital ratio | 17.2901% | 2,007 |
| Total risk-based capital ratio | 18.2847% | 2,035 |
| Memoranda: | ||
| Average total assets | $117,285,000 | 3,909 |
| Average earning assets | $109,491,000 | 3,880 |
| Average equity | $14,152,330 | 3,781 |
| Average total loans | $80,537,000 | 3,700 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 2,749 |
| Cost of funding earning assets | 0.2351% | 4,799 |
| Net interest margin | 4.0033% | 1,719 |
| Noninterest income to average assets | 0.7259% | 1,717 |
| Noninterest expense to average assets | 3.0647% | 1,911 |
| Loan and lease loss provision to assets | 0.1027% | 1,808 |
| Net operating income to assets | 1.2841% | 1,701 |
| Return on assets (ROA) | 1.2841% | 1,706 |
| Pretax return on assets | 1.2909% | 2,404 |
| Return on Equity (ROE) | 10.6708% | 2,096 |
| Retained earnings to average equity (ytd only) | 7.8253% | 1,908 |
| Net charge-offs to loans | 0.1348% | 999 |
| Credit loss provision to net charge-offs | 111.1111% | 1,444 |
| Earnings coverage of net charge-offs (x) | 15.0741% | 1,680 |
| Efficiency ratio | 67.5883% | 2,896 |
| Assets per employee ($millions) | 3.4762% | 4,689 |
| Cash dividends to net income (ytd only)* | 26.6667% | 2,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9736% | 4,097 |
| Loan loss allowance to noncurrent loans | 220.7386% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.2978% | 3,659 |
| Noncurrent loans to loans | 0.4411% | 3,210 |
| Net loans and leases to total assets | 66.8669% | 2,912 |
| Net loans and leases to deposits | 76.1551% | 3,196 |
| Net loans and leases to core deposits | 78.5204% | 3,449 |
| Total domestic deposits to total assets | 87.8035% | 1,733 |
| Equity capital to assets | 11.9841% | 1,800 |
| Core capital (leverage) ratio | 11.9066% | 1,711 |
| Tier 1 risk-based capital ratio | 17.4947% | 1,976 |
| Total risk-based capital ratio | 18.4613% | 2,008 |
| Memoranda: | ||
| Average total assets | $116,813,500 | 3,955 |
| Average earning assets | $108,911,500 | 3,933 |
| Average equity | $14,057,000 | 3,824 |
| Average total loans | $80,097,500 | 3,744 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1973% | 2,694 |
| Cost of funding earning assets | 0.2414% | 4,633 |
| Net interest margin | 3.9559% | 1,899 |
| Noninterest income to average assets | 0.7313% | 1,840 |
| Noninterest expense to average assets | 3.2887% | 1,400 |
| Loan and lease loss provision to assets | 0.1090% | 2,065 |
| Net operating income to assets | 0.9876% | 2,304 |
| Return on assets (ROA) | 0.9876% | 2,337 |
| Pretax return on assets | 1.0050% | 3,545 |
| Return on Equity (ROE) | 8.2161% | 2,691 |
| Retained earnings to average equity (ytd only) | 3.6838% | 3,028 |
| Net charge-offs to loans | 0.1404% | 1,666 |
| Credit loss provision to net charge-offs | 113.6364% | 2,303 |
| Earnings coverage of net charge-offs (x) | 11.6182% | 2,554 |
| Efficiency ratio | 73.4904% | 1,985 |
| Assets per employee ($millions) | 3.3952% | 4,827 |
| Cash dividends to net income (ytd only)* | 55.1633% | 2,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 4,153 |
| Loan loss allowance to noncurrent loans | 205.8511% | 2,239 |
| Noncurrent assets plus other real estate owned to assets | 0.3257% | 3,573 |
| Noncurrent loans to loans | 0.4677% | 3,105 |
| Net loans and leases to total assets | 68.9675% | 2,694 |
| Net loans and leases to deposits | 78.7984% | 3,031 |
| Net loans and leases to core deposits | 81.3118% | 3,309 |
| Total domestic deposits to total assets | 87.5239% | 1,748 |
| Equity capital to assets | 12.0845% | 1,776 |
| Core capital (leverage) ratio | 11.8505% | 1,692 |
| Tier 1 risk-based capital ratio | 17.0328% | 2,079 |
| Total risk-based capital ratio | 17.9858% | 2,134 |
| Memoranda: | ||
| Average total assets | $114,725,400 | 3,981 |
| Average earning assets | $106,473,800 | 3,975 |
| Average equity | $13,790,000 | 3,872 |
| Average total loans | $78,335,200 | 3,784 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1325% | 2,867 |
| Cost of funding earning assets | 0.2369% | 4,681 |
| Net interest margin | 3.8956% | 2,057 |
| Noninterest income to average assets | 0.7217% | 1,899 |
| Noninterest expense to average assets | 3.2405% | 1,476 |
| Loan and lease loss provision to assets | 0.0873% | 2,339 |
| Net operating income to assets | 0.9952% | 2,575 |
| Return on assets (ROA) | 0.9952% | 2,626 |
| Pretax return on assets | 1.0115% | 3,643 |
| Return on Equity (ROE) | 8.2907% | 2,979 |
| Retained earnings to average equity (ytd only) | 5.3817% | 2,620 |
| Net charge-offs to loans | 0.1491% | 1,348 |
| Credit loss provision to net charge-offs | 86.2069% | 2,508 |
| Earnings coverage of net charge-offs (x) | 10.8503% | 2,550 |
| Efficiency ratio | 73.4442% | 1,982 |
| Assets per employee ($millions) | 3.4076% | 4,852 |
| Cash dividends to net income (ytd only)* | 35.0878% | 2,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9346% | 4,409 |
| Loan loss allowance to noncurrent loans | 186.7500% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 3,657 |
| Noncurrent loans to loans | 0.5005% | 3,198 |
| Net loans and leases to total assets | 68.3414% | 2,790 |
| Net loans and leases to deposits | 77.9444% | 3,171 |
| Net loans and leases to core deposits | 81.6127% | 3,317 |
| Total domestic deposits to total assets | 87.6797% | 1,523 |
| Equity capital to assets | 12.1519% | 1,871 |
| Core capital (leverage) ratio | 12.2805% | 1,524 |
| Tier 1 risk-based capital ratio | 17.2057% | 2,093 |
| Total risk-based capital ratio | 18.1356% | 2,145 |
| Memoranda: | ||
| Average total assets | $114,547,500 | 4,021 |
| Average earning assets | $106,374,750 | 4,016 |
| Average equity | $13,750,000 | 3,918 |
| Average total loans | $77,822,000 | 3,827 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 2,968 |
| Cost of funding earning assets | 0.2260% | 4,750 |
| Net interest margin | 3.8364% | 2,147 |
| Noninterest income to average assets | 0.7274% | 1,875 |
| Noninterest expense to average assets | 3.2950% | 1,381 |
| Loan and lease loss provision to assets | 0.0789% | 2,408 |
| Net operating income to assets | 0.9096% | 2,865 |
| Return on assets (ROA) | 0.9096% | 2,916 |
| Pretax return on assets | 0.9237% | 3,851 |
| Return on Equity (ROE) | 7.6098% | 3,239 |
| Retained earnings to average equity (ytd only) | 4.6773% | 2,930 |
| Net charge-offs to loans | 0.1634% | 1,189 |
| Credit loss provision to net charge-offs | 71.4286% | 2,364 |
| Earnings coverage of net charge-offs (x) | 9.0794% | 2,467 |
| Efficiency ratio | 75.4078% | 1,809 |
| Assets per employee ($millions) | 3.1523% | 5,146 |
| Cash dividends to net income (ytd only)* | 38.5356% | 2,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 4,414 |
| Loan loss allowance to noncurrent loans | 219.2308% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 3,898 |
| Noncurrent loans to loans | 0.4339% | 3,459 |
| Net loans and leases to total assets | 69.9395% | 2,538 |
| Net loans and leases to deposits | 80.1173% | 2,897 |
| Net loans and leases to core deposits | 81.9553% | 3,255 |
| Total domestic deposits to total assets | 87.2964% | 1,805 |
| Equity capital to assets | 12.5486% | 1,596 |
| Core capital (leverage) ratio | 12.2581% | 1,497 |
| Tier 1 risk-based capital ratio | 17.3653% | 2,050 |
| Total risk-based capital ratio | 18.3132% | 2,093 |
| Memoranda: | ||
| Average total assets | $114,110,670 | 4,057 |
| Average earning assets | $106,193,330 | 4,044 |
| Average equity | $13,640,330 | 3,944 |
| Average total loans | $77,120,670 | 3,862 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9068% | 3,374 |
| Cost of funding earning assets | 0.2226% | 4,780 |
| Net interest margin | 3.6842% | 2,544 |
| Noninterest income to average assets | 0.7172% | 1,880 |
| Noninterest expense to average assets | 3.1172% | 1,816 |
| Loan and lease loss provision to assets | 0.0793% | 2,223 |
| Net operating income to assets | 0.9310% | 2,605 |
| Return on assets (ROA) | 0.9310% | 2,660 |
| Pretax return on assets | 0.9448% | 3,608 |
| Return on Equity (ROE) | 7.9775% | 2,932 |
| Retained earnings to average equity (ytd only) | 5.0229% | 2,883 |
| Net charge-offs to loans | 0.2033% | 851 |
| Credit loss provision to net charge-offs | 58.9744% | 1,913 |
| Earnings coverage of net charge-offs (x) | 7.6154% | 2,120 |
| Efficiency ratio | 74.0216% | 2,230 |
| Assets per employee ($millions) | 3.3598% | 4,979 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 4,431 |
| Loan loss allowance to noncurrent loans | 78.2929% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.8070% | 2,283 |
| Noncurrent loans to loans | 1.2420% | 1,627 |
| Net loans and leases to total assets | 64.3431% | 3,225 |
| Net loans and leases to deposits | 72.9669% | 3,517 |
| Net loans and leases to core deposits | 73.6122% | 3,873 |
| Total domestic deposits to total assets | 88.1813% | 1,602 |
| Equity capital to assets | 11.6044% | 2,112 |
| Core capital (leverage) ratio | 11.8643% | 1,713 |
| Tier 1 risk-based capital ratio | 17.4229% | 2,054 |
| Total risk-based capital ratio | 18.3847% | 2,090 |
| Memoranda: | ||
| Average total assets | $116,000,500 | 4,064 |
| Average earning assets | $107,813,000 | 4,050 |
| Average equity | $13,538,000 | 3,983 |
| Average total loans | $76,728,000 | 3,888 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1614% | 2,621 |
| Cost of funding earning assets | 0.2422% | 4,634 |
| Net interest margin | 3.9192% | 1,905 |
| Noninterest income to average assets | 0.7607% | 1,917 |
| Noninterest expense to average assets | 3.3385% | 1,490 |
| Loan and lease loss provision to assets | 0.1496% | 1,668 |
| Net operating income to assets | 0.8960% | 2,848 |
| Return on assets (ROA) | 0.8960% | 2,966 |
| Pretax return on assets | 0.9112% | 3,806 |
| Return on Equity (ROE) | 7.4343% | 3,248 |
| Retained earnings to average equity (ytd only) | 2.0444% | 4,377 |
| Net charge-offs to loans | 0.3037% | 904 |
| Credit loss provision to net charge-offs | 70.7627% | 3,127 |
| Earnings coverage of net charge-offs (x) | 5.0169% | 3,405 |
| Efficiency ratio | 74.6436% | 2,194 |
| Assets per employee ($millions) | 3.2688% | 5,080 |
| Cash dividends to net income (ytd only)* | 72.5000% | 1,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9851% | 4,412 |
| Loan loss allowance to noncurrent loans | 105.5633% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 2,839 |
| Noncurrent loans to loans | 0.9332% | 2,222 |
| Net loans and leases to total assets | 66.6833% | 2,976 |
| Net loans and leases to deposits | 75.8895% | 3,326 |
| Net loans and leases to core deposits | 82.3886% | 3,185 |
| Total domestic deposits to total assets | 87.8689% | 1,695 |
| Equity capital to assets | 11.7387% | 1,978 |
| Core capital (leverage) ratio | 11.6892% | 1,800 |
| Tier 1 risk-based capital ratio | 17.0679% | 2,134 |
| Total risk-based capital ratio | 18.0383% | 2,184 |
| Memoranda: | ||
| Average total assets | $111,607,200 | 4,133 |
| Average earning assets | $103,619,400 | 4,126 |
| Average equity | $13,451,200 | 4,035 |
| Average total loans | $77,706,200 | 3,854 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1676% | 2,616 |
| Cost of funding earning assets | 0.2403% | 4,698 |
| Net interest margin | 3.9273% | 1,887 |
| Noninterest income to average assets | 0.7790% | 1,845 |
| Noninterest expense to average assets | 3.3000% | 1,566 |
| Loan and lease loss provision to assets | 0.1743% | 1,290 |
| Net operating income to assets | 0.9449% | 2,676 |
| Return on assets (ROA) | 0.9449% | 2,810 |
| Pretax return on assets | 0.9593% | 3,777 |
| Return on Equity (ROE) | 7.7878% | 3,128 |
| Retained earnings to average equity (ytd only) | 3.8245% | 3,589 |
| Net charge-offs to loans | 0.1661% | 1,378 |
| Credit loss provision to net charge-offs | 149.4845% | 1,777 |
| Earnings coverage of net charge-offs (x) | 9.7216% | 2,661 |
| Efficiency ratio | 73.1833% | 2,409 |
| Assets per employee ($millions) | 3.1548% | 5,234 |
| Cash dividends to net income (ytd only)* | 50.8908% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 3,642 |
| Loan loss allowance to noncurrent loans | 111.3088% | 3,400 |
| Noncurrent assets plus other real estate owned to assets | 0.7580% | 2,654 |
| Noncurrent loans to loans | 1.0201% | 2,203 |
| Net loans and leases to total assets | 69.0751% | 2,628 |
| Net loans and leases to deposits | 79.0056% | 3,079 |
| Net loans and leases to core deposits | 86.0751% | 2,944 |
| Total domestic deposits to total assets | 87.4306% | 1,703 |
| Equity capital to assets | 12.3892% | 1,844 |
| Core capital (leverage) ratio | 12.2395% | 1,523 |
| Tier 1 risk-based capital ratio | 17.1550% | 2,181 |
| Total risk-based capital ratio | 18.2723% | 2,177 |
| Memoranda: | ||
| Average total assets | $110,907,000 | 4,174 |
| Average earning assets | $103,206,250 | 4,160 |
| Average equity | $13,456,500 | 4,062 |
| Average total loans | $77,870,250 | 3,879 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1504% | 2,672 |
| Cost of funding earning assets | 0.2339% | 4,812 |
| Net interest margin | 3.9165% | 1,926 |
| Noninterest income to average assets | 0.8013% | 1,707 |
| Noninterest expense to average assets | 3.2682% | 1,651 |
| Loan and lease loss provision to assets | 0.2611% | 719 |
| Net operating income to assets | 0.9057% | 2,831 |
| Return on assets (ROA) | 0.9057% | 2,963 |
| Pretax return on assets | 0.9201% | 3,877 |
| Return on Equity (ROE) | 7.5176% | 3,252 |
| Retained earnings to average equity (ytd only) | 3.0339% | 3,984 |
| Net charge-offs to loans | 0.2202% | 1,065 |
| Credit loss provision to net charge-offs | 168.6047% | 1,466 |
| Earnings coverage of net charge-offs (x) | 7.6279% | 2,605 |
| Efficiency ratio | 72.2380% | 2,613 |
| Assets per employee ($millions) | 3.2438% | 5,147 |
| Cash dividends to net income (ytd only)* | 59.6421% | 1,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 3,605 |
| Loan loss allowance to noncurrent loans | 124.0559% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 2,676 |
| Noncurrent loans to loans | 0.9319% | 2,411 |
| Net loans and leases to total assets | 66.8023% | 2,964 |
| Net loans and leases to deposits | 76.0039% | 3,380 |
| Net loans and leases to core deposits | 82.8340% | 3,191 |
| Total domestic deposits to total assets | 87.8933% | 1,485 |
| Equity capital to assets | 11.9094% | 2,187 |
| Core capital (leverage) ratio | 12.1405% | 1,548 |
| Tier 1 risk-based capital ratio | 16.9223% | 2,242 |
| Total risk-based capital ratio | 18.0543% | 2,255 |
| Memoranda: | ||
| Average total assets | $111,069,670 | 4,209 |
| Average earning assets | $103,458,670 | 4,185 |
| Average equity | $13,382,000 | 4,093 |
| Average total loans | $78,111,000 | 3,899 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2796% | 2,200 |
| Cost of funding earning assets | 0.2267% | 4,935 |
| Net interest margin | 4.0529% | 1,469 |
| Noninterest income to average assets | 0.7791% | 1,696 |
| Noninterest expense to average assets | 3.1235% | 2,035 |
| Loan and lease loss provision to assets | 0.1092% | 1,900 |
| Net operating income to assets | 1.3178% | 1,213 |
| Return on assets (ROA) | 1.3178% | 1,293 |
| Pretax return on assets | 1.3215% | 2,215 |
| Return on Equity (ROE) | 10.8464% | 1,657 |
| Retained earnings to average equity (ytd only) | 4.8539% | 3,031 |
| Net charge-offs to loans | 0.1726% | 1,106 |
| Credit loss provision to net charge-offs | 88.2353% | 1,778 |
| Earnings coverage of net charge-offs (x) | 11.5588% | 1,852 |
| Efficiency ratio | 67.3861% | 3,564 |
| Assets per employee ($millions) | 3.0413% | 5,465 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0590% | 4,290 |
| Loan loss allowance to noncurrent loans | 158.7669% | 2,660 |
| Noncurrent assets plus other real estate owned to assets | 0.4876% | 3,651 |
| Noncurrent loans to loans | 0.6670% | 3,173 |
| Net loans and leases to total assets | 72.3263% | 1,981 |
| Net loans and leases to deposits | 83.0398% | 2,422 |
| Net loans and leases to core deposits | 84.4100% | 2,899 |
| Total domestic deposits to total assets | 87.0984% | 2,162 |
| Equity capital to assets | 12.6282% | 1,603 |
| Core capital (leverage) ratio | 12.1739% | 1,512 |
| Tier 1 risk-based capital ratio | 17.0212% | 2,282 |
| Total risk-based capital ratio | 18.0842% | 2,296 |
| Memoranda: | ||
| Average total assets | $109,876,000 | 4,263 |
| Average earning assets | $102,347,000 | 4,244 |
| Average equity | $13,350,000 | 4,108 |
| Average total loans | $78,802,000 | 3,893 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 2,453 |
| Cost of funding earning assets | 0.2442% | 4,843 |
| Net interest margin | 3.9872% | 1,760 |
| Noninterest income to average assets | 0.7649% | 1,917 |
| Noninterest expense to average assets | 3.2682% | 1,794 |
| Loan and lease loss provision to assets | 0.1143% | 2,095 |
| Net operating income to assets | 1.0960% | 1,944 |
| Return on assets (ROA) | 1.0960% | 2,016 |
| Pretax return on assets | 1.1015% | 3,055 |
| Return on Equity (ROE) | 9.2476% | 2,346 |
| Retained earnings to average equity (ytd only) | 4.4631% | 2,816 |
| Net charge-offs to loans | 0.1681% | 1,682 |
| Credit loss provision to net charge-offs | 94.7368% | 2,659 |
| Earnings coverage of net charge-offs (x) | 10.0752% | 2,738 |
| Efficiency ratio | 71.6512% | 2,959 |
| Assets per employee ($millions) | 3.2374% | 5,247 |
| Cash dividends to net income (ytd only)* | 51.7384% | 2,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 4,396 |
| Loan loss allowance to noncurrent loans | 155.0562% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 3,734 |
| Noncurrent loans to loans | 0.6692% | 3,190 |
| Net loans and leases to total assets | 69.6906% | 2,415 |
| Net loans and leases to deposits | 79.2941% | 2,906 |
| Net loans and leases to core deposits | 89.7146% | 2,427 |
| Total domestic deposits to total assets | 87.8888% | 1,689 |
| Equity capital to assets | 11.7009% | 2,196 |
| Core capital (leverage) ratio | 11.7451% | 1,787 |
| Tier 1 risk-based capital ratio | 16.1645% | 2,615 |
| Total risk-based capital ratio | 17.1873% | 2,657 |
| Memoranda: | ||
| Average total assets | $110,214,600 | 4,256 |
| Average earning assets | $102,803,400 | 4,214 |
| Average equity | $13,062,800 | 4,133 |
| Average total loans | $79,105,600 | 3,858 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2087% | 2,546 |
| Cost of funding earning assets | 0.2440% | 4,944 |
| Net interest margin | 3.9647% | 1,827 |
| Noninterest income to average assets | 0.7590% | 1,986 |
| Noninterest expense to average assets | 3.2443% | 1,838 |
| Loan and lease loss provision to assets | 0.0987% | 2,206 |
| Net operating income to assets | 1.1111% | 1,956 |
| Return on assets (ROA) | 1.1111% | 2,036 |
| Pretax return on assets | 1.1172% | 3,149 |
| Return on Equity (ROE) | 9.3436% | 2,390 |
| Retained earnings to average equity (ytd only) | 6.2700% | 2,077 |
| Net charge-offs to loans | 0.1166% | 1,962 |
| Credit loss provision to net charge-offs | 117.3913% | 2,025 |
| Earnings coverage of net charge-offs (x) | 14.4634% | 2,249 |
| Efficiency ratio | 71.4832% | 2,962 |
| Assets per employee ($millions) | 3.2700% | 5,172 |
| Cash dividends to net income (ytd only)* | 32.8947% | 2,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0717% | 4,378 |
| Loan loss allowance to noncurrent loans | 201.1876% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 4,249 |
| Noncurrent loans to loans | 0.5327% | 3,745 |
| Net loans and leases to total assets | 70.3217% | 2,344 |
| Net loans and leases to deposits | 80.0719% | 2,877 |
| Net loans and leases to core deposits | 90.8313% | 2,371 |
| Total domestic deposits to total assets | 87.8232% | 1,649 |
| Equity capital to assets | 11.9942% | 2,115 |
| Core capital (leverage) ratio | 11.9967% | 1,675 |
| Tier 1 risk-based capital ratio | 16.4343% | 2,613 |
| Total risk-based capital ratio | 17.4923% | 2,649 |
| Memoranda: | ||
| Average total assets | $109,441,250 | 4,312 |
| Average earning assets | $102,167,000 | 4,278 |
| Average equity | $13,014,000 | 4,181 |
| Average total loans | $78,933,750 | 3,896 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2107% | 2,509 |
| Cost of funding earning assets | 0.2403% | 5,050 |
| Net interest margin | 3.9704% | 1,733 |
| Noninterest income to average assets | 0.7790% | 1,873 |
| Noninterest expense to average assets | 3.2279% | 1,903 |
| Loan and lease loss provision to assets | 0.0937% | 2,251 |
| Net operating income to assets | 1.1519% | 1,775 |
| Return on assets (ROA) | 1.1519% | 1,838 |
| Pretax return on assets | 1.1611% | 2,935 |
| Return on Equity (ROE) | 9.7157% | 2,203 |
| Retained earnings to average equity (ytd only) | 6.6166% | 1,893 |
| Net charge-offs to loans | 0.1090% | 1,907 |
| Credit loss provision to net charge-offs | 118.6047% | 1,823 |
| Earnings coverage of net charge-offs (x) | 15.8837% | 1,942 |
| Efficiency ratio | 70.7377% | 3,206 |
| Assets per employee ($millions) | 3.1235% | 5,439 |
| Cash dividends to net income (ytd only)* | 31.8979% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 4,387 |
| Loan loss allowance to noncurrent loans | 215.0510% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 0.3586% | 4,462 |
| Noncurrent loans to loans | 0.5062% | 3,939 |
| Net loans and leases to total assets | 70.0646% | 2,303 |
| Net loans and leases to deposits | 79.8099% | 2,814 |
| Net loans and leases to core deposits | 90.4727% | 2,304 |
| Total domestic deposits to total assets | 87.7893% | 1,757 |
| Equity capital to assets | 12.0104% | 2,020 |
| Core capital (leverage) ratio | 12.3073% | 1,479 |
| Tier 1 risk-based capital ratio | 16.5686% | 2,584 |
| Total risk-based capital ratio | 17.6467% | 2,619 |
| Memoranda: | ||
| Average total assets | $108,862,000 | 4,359 |
| Average earning assets | $101,552,000 | 4,327 |
| Average equity | $12,907,000 | 4,224 |
| Average total loans | $78,901,670 | 3,919 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2474% | 2,283 |
| Cost of funding earning assets | 0.2410% | 5,119 |
| Net interest margin | 4.0064% | 1,530 |
| Noninterest income to average assets | 0.7327% | 2,007 |
| Noninterest expense to average assets | 3.2918% | 1,735 |
| Loan and lease loss provision to assets | 0.0773% | 2,410 |
| Net operating income to assets | 1.0826% | 1,929 |
| Return on assets (ROA) | 1.0826% | 2,044 |
| Pretax return on assets | 1.0973% | 3,092 |
| Return on Equity (ROE) | 9.1907% | 2,361 |
| Retained earnings to average equity (ytd only) | 6.0646% | 2,457 |
| Net charge-offs to loans | 0.1356% | 1,431 |
| Credit loss provision to net charge-offs | 77.7778% | 1,849 |
| Earnings coverage of net charge-offs (x) | 11.8148% | 1,836 |
| Efficiency ratio | 72.4650% | 3,092 |
| Assets per employee ($millions) | 2.9796% | 5,696 |
| Cash dividends to net income (ytd only)* | 34.0136% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 4,528 |
| Loan loss allowance to noncurrent loans | 198.3254% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4008% | 4,423 |
| Noncurrent loans to loans | 0.5545% | 3,921 |
| Net loans and leases to total assets | 71.4873% | 1,899 |
| Net loans and leases to deposits | 81.8174% | 2,358 |
| Net loans and leases to core deposits | 83.5719% | 2,817 |
| Total domestic deposits to total assets | 87.3743% | 2,180 |
| Equity capital to assets | 12.3841% | 1,766 |
| Core capital (leverage) ratio | 11.4942% | 2,004 |
| Tier 1 risk-based capital ratio | 15.3206% | 3,249 |
| Total risk-based capital ratio | 16.3193% | 3,313 |
| Memoranda: | ||
| Average total assets | $108,632,000 | 4,396 |
| Average earning assets | $101,237,500 | 4,363 |
| Average equity | $12,795,500 | 4,272 |
| Average total loans | $79,633,000 | 3,904 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3117% | 2,564 |
| Cost of funding earning assets | 0.2628% | 5,193 |
| Net interest margin | 4.0490% | 1,739 |
| Noninterest income to average assets | 0.7606% | 2,034 |
| Noninterest expense to average assets | 3.3677% | 1,766 |
| Loan and lease loss provision to assets | 0.0713% | 3,058 |
| Net operating income to assets | 1.0589% | 2,133 |
| Return on assets (ROA) | 1.0571% | 2,198 |
| Pretax return on assets | 1.0886% | 3,127 |
| Return on Equity (ROE) | 9.1438% | 2,517 |
| Retained earnings to average equity (ytd only) | 3.3338% | 3,852 |
| Net charge-offs to loans | 0.1129% | 2,901 |
| Credit loss provision to net charge-offs | 87.5000% | 2,693 |
| Earnings coverage of net charge-offs (x) | 14.2500% | 2,182 |
| Efficiency ratio | 73.1029% | 3,011 |
| Assets per employee ($millions) | 2.9731% | 5,735 |
| Cash dividends to net income (ytd only)* | 63.5408% | 1,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 5,083 |
| Loan loss allowance to noncurrent loans | 177.2824% | 2,466 |
| Noncurrent assets plus other real estate owned to assets | 0.4523% | 4,305 |
| Noncurrent loans to loans | 0.5615% | 3,984 |
| Net loans and leases to total assets | 73.5105% | 1,665 |
| Net loans and leases to deposits | 83.1806% | 2,313 |
| Net loans and leases to core deposits | 99.2578% | 1,439 |
| Total domestic deposits to total assets | 88.3746% | 1,581 |
| Equity capital to assets | 11.2200% | 2,678 |
| Core capital (leverage) ratio | 11.0969% | 2,318 |
| Tier 1 risk-based capital ratio | 14.6927% | 3,661 |
| Total risk-based capital ratio | 15.6964% | 3,743 |
| Memoranda: | ||
| Average total assets | $107,937,200 | 4,417 |
| Average earning assets | $100,470,200 | 4,381 |
| Average equity | $12,478,400 | 4,275 |
| Average total loans | $77,959,800 | 3,933 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2692% | 2,750 |
| Cost of funding earning assets | 0.2671% | 5,238 |
| Net interest margin | 4.0021% | 1,870 |
| Noninterest income to average assets | 0.7774% | 1,976 |
| Noninterest expense to average assets | 3.4071% | 1,643 |
| Loan and lease loss provision to assets | 0.0087% | 4,246 |
| Net operating income to assets | 1.0524% | 2,225 |
| Return on assets (ROA) | 1.0524% | 2,289 |
| Pretax return on assets | 1.0886% | 3,237 |
| Return on Equity (ROE) | 9.0324% | 2,663 |
| Retained earnings to average equity (ytd only) | 4.7415% | 3,250 |
| Net charge-offs to loans | 0.0506% | 3,495 |
| Credit loss provision to net charge-offs | 24.1379% | 3,535 |
| Earnings coverage of net charge-offs (x) | 30.2726% | 1,363 |
| Efficiency ratio | 74.3618% | 2,766 |
| Assets per employee ($millions) | 2.9461% | 5,789 |
| Cash dividends to net income (ytd only)* | 47.5059% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0234% | 5,106 |
| Loan loss allowance to noncurrent loans | 139.6610% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 0.5780% | 4,109 |
| Noncurrent loans to loans | 0.7328% | 3,770 |
| Net loans and leases to total assets | 73.1077% | 1,663 |
| Net loans and leases to deposits | 82.9389% | 2,301 |
| Net loans and leases to core deposits | 100.1697% | 1,353 |
| Total domestic deposits to total assets | 88.1464% | 1,690 |
| Equity capital to assets | 11.6554% | 2,357 |
| Core capital (leverage) ratio | 11.6058% | 1,978 |
| Tier 1 risk-based capital ratio | 15.2626% | 3,436 |
| Total risk-based capital ratio | 16.2907% | 3,495 |
| Memoranda: | ||
| Average total assets | $106,677,250 | 4,488 |
| Average earning assets | $99,345,000 | 4,454 |
| Average equity | $12,429,000 | 4,309 |
| Average total loans | $76,478,500 | 4,013 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 2,926 |
| Cost of funding earning assets | 0.2659% | 5,327 |
| Net interest margin | 3.9414% | 2,011 |
| Noninterest income to average assets | 0.7932% | 1,860 |
| Noninterest expense to average assets | 3.4088% | 1,659 |
| Loan and lease loss provision to assets | 0.0132% | 3,994 |
| Net operating income to assets | 0.9934% | 2,348 |
| Return on assets (ROA) | 0.9934% | 2,423 |
| Pretax return on assets | 1.0387% | 3,330 |
| Return on Equity (ROE) | 8.5272% | 2,824 |
| Retained earnings to average equity (ytd only) | 3.6638% | 3,858 |
| Net charge-offs to loans | 0.0160% | 3,909 |
| Credit loss provision to net charge-offs | 116.6667% | 1,746 |
| Earnings coverage of net charge-offs (x) | 92.8333% | 586 |
| Efficiency ratio | 75.1058% | 2,792 |
| Assets per employee ($millions) | 2.6971% | 6,138 |
| Cash dividends to net income (ytd only)* | 57.0342% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1192% | 4,817 |
| Loan loss allowance to noncurrent loans | 230.1630% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 0.4098% | 4,786 |
| Noncurrent loans to loans | 0.4863% | 4,540 |
| Net loans and leases to total assets | 73.0140% | 1,570 |
| Net loans and leases to deposits | 83.3281% | 2,110 |
| Net loans and leases to core deposits | 85.3827% | 2,572 |
| Total domestic deposits to total assets | 87.6222% | 2,129 |
| Equity capital to assets | 12.1992% | 1,854 |
| Core capital (leverage) ratio | 11.4466% | 2,052 |
| Tier 1 risk-based capital ratio | 16.0831% | 3,046 |
| Total risk-based capital ratio | 17.2181% | 3,042 |
| Memoranda: | ||
| Average total assets | $105,901,330 | 4,536 |
| Average earning assets | $98,544,670 | 4,510 |
| Average equity | $12,337,000 | 4,335 |
| Average total loans | $75,133,000 | 4,073 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0864% | 3,339 |
| Cost of funding earning assets | 0.2676% | 5,411 |
| Net interest margin | 3.8187% | 2,391 |
| Noninterest income to average assets | 0.6840% | 2,264 |
| Noninterest expense to average assets | 3.4050% | 1,694 |
| Loan and lease loss provision to assets | 0.0260% | 3,494 |
| Net operating income to assets | 0.7360% | 3,509 |
| Return on assets (ROA) | 0.7360% | 3,591 |
| Pretax return on assets | 0.8066% | 4,080 |
| Return on Equity (ROE) | 6.4632% | 3,774 |
| Retained earnings to average equity (ytd only) | -0.0653% | 5,563 |
| Net charge-offs to loans | 0.0374% | 2,861 |
| Credit loss provision to net charge-offs | 100.0000% | 1,649 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,007 |
| Efficiency ratio | 79.0351% | 2,332 |
| Assets per employee ($millions) | 2.9087% | 5,968 |
| Cash dividends to net income (ytd only)* | 101.0101% | 667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 4,775 |
| Loan loss allowance to noncurrent loans | 285.8108% | 1,557 |
| Noncurrent assets plus other real estate owned to assets | 0.3234% | 5,182 |
| Noncurrent loans to loans | 0.4096% | 4,907 |
| Net loans and leases to total assets | 66.3551% | 2,505 |
| Net loans and leases to deposits | 75.0946% | 2,931 |
| Net loans and leases to core deposits | 77.4668% | 3,255 |
| Total domestic deposits to total assets | 88.3619% | 2,016 |
| Equity capital to assets | 11.3965% | 2,337 |
| Core capital (leverage) ratio | 10.8071% | 2,591 |
| Tier 1 risk-based capital ratio | 16.2851% | 3,017 |
| Total risk-based capital ratio | 17.4568% | 3,014 |
| Memoranda: | ||
| Average total assets | $107,607,000 | 4,543 |
| Average earning assets | $100,138,000 | 4,505 |
| Average equity | $12,254,000 | 4,379 |
| Average total loans | $74,860,000 | 4,105 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2718% | 3,061 |
| Cost of funding earning assets | 0.3121% | 5,501 |
| Net interest margin | 3.9596% | 2,072 |
| Noninterest income to average assets | 1.0082% | 1,380 |
| Noninterest expense to average assets | 3.2467% | 2,289 |
| Loan and lease loss provision to assets | 0.3187% | 1,035 |
| Net operating income to assets | 1.1107% | 1,901 |
| Return on assets (ROA) | 1.1107% | 1,970 |
| Pretax return on assets | 1.1249% | 2,865 |
| Return on Equity (ROE) | 9.6691% | 2,255 |
| Retained earnings to average equity (ytd only) | 3.6827% | 3,598 |
| Net charge-offs to loans | 0.2405% | 2,533 |
| Credit loss provision to net charge-offs | 187.7095% | 1,217 |
| Earnings coverage of net charge-offs (x) | 8.5028% | 2,662 |
| Efficiency ratio | 69.2214% | 3,973 |
| Assets per employee ($millions) | 2.9079% | 5,978 |
| Cash dividends to net income (ytd only)* | 61.9129% | 1,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 5,196 |
| Loan loss allowance to noncurrent loans | 349.5868% | 1,306 |
| Noncurrent assets plus other real estate owned to assets | 0.2305% | 5,588 |
| Noncurrent loans to loans | 0.3124% | 5,251 |
| Net loans and leases to total assets | 71.2091% | 1,807 |
| Net loans and leases to deposits | 80.7309% | 2,357 |
| Net loans and leases to core deposits | 91.4654% | 1,848 |
| Total domestic deposits to total assets | 88.2056% | 2,051 |
| Equity capital to assets | 11.3790% | 2,255 |
| Core capital (leverage) ratio | 11.1171% | 2,275 |
| Tier 1 risk-based capital ratio | 15.4314% | 3,413 |
| Total risk-based capital ratio | 16.5429% | 3,439 |
| Memoranda: | ||
| Average total assets | $105,431,600 | 4,610 |
| Average earning assets | $98,039,200 | 4,565 |
| Average equity | $12,110,800 | 4,421 |
| Average total loans | $74,428,000 | 4,110 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2305% | 3,269 |
| Cost of funding earning assets | 0.3225% | 5,524 |
| Net interest margin | 3.9080% | 2,245 |
| Noninterest income to average assets | 1.1275% | 1,150 |
| Noninterest expense to average assets | 3.1804% | 2,417 |
| Loan and lease loss provision to assets | 0.4271% | 682 |
| Net operating income to assets | 1.1377% | 1,860 |
| Return on assets (ROA) | 1.1377% | 1,932 |
| Pretax return on assets | 1.1555% | 2,872 |
| Return on Equity (ROE) | 9.8802% | 2,233 |
| Retained earnings to average equity (ytd only) | 5.4644% | 2,742 |
| Net charge-offs to loans | 0.1430% | 3,110 |
| Credit loss provision to net charge-offs | 425.3165% | 625 |
| Earnings coverage of net charge-offs (x) | 15.7596% | 1,841 |
| Efficiency ratio | 66.7734% | 4,345 |
| Assets per employee ($millions) | 2.9085% | 5,995 |
| Cash dividends to net income (ytd only)* | 44.6929% | 2,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 4,622 |
| Loan loss allowance to noncurrent loans | 503.1915% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.2512% | 5,687 |
| Noncurrent loans to loans | 0.2491% | 5,606 |
| Net loans and leases to total assets | 71.1695% | 1,751 |
| Net loans and leases to deposits | 80.8370% | 2,286 |
| Net loans and leases to core deposits | 91.6378% | 1,801 |
| Total domestic deposits to total assets | 88.0407% | 2,105 |
| Equity capital to assets | 11.7616% | 2,073 |
| Core capital (leverage) ratio | 11.6552% | 1,913 |
| Tier 1 risk-based capital ratio | 15.7758% | 3,315 |
| Total risk-based capital ratio | 17.0264% | 3,270 |
| Memoranda: | ||
| Average total assets | $104,891,250 | 4,670 |
| Average earning assets | $97,574,750 | 4,626 |
| Average equity | $12,077,750 | 4,481 |
| Average total loans | $73,669,500 | 4,173 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1824% | 3,438 |
| Cost of funding earning assets | 0.3354% | 5,519 |
| Net interest margin | 3.8470% | 2,389 |
| Noninterest income to average assets | 1.2958% | 922 |
| Noninterest expense to average assets | 3.0985% | 2,664 |
| Loan and lease loss provision to assets | 0.6403% | 387 |
| Net operating income to assets | 1.1167% | 1,875 |
| Return on assets (ROA) | 1.1167% | 1,993 |
| Pretax return on assets | 1.1415% | 2,923 |
| Return on Equity (ROE) | 9.7677% | 2,290 |
| Retained earnings to average equity (ytd only) | 4.7672% | 3,210 |
| Net charge-offs to loans | 0.1752% | 2,718 |
| Credit loss provision to net charge-offs | 525.0000% | 532 |
| Earnings coverage of net charge-offs (x) | 14.6094% | 1,817 |
| Efficiency ratio | 63.4908% | 4,935 |
| Assets per employee ($millions) | 2.7979% | 6,164 |
| Cash dividends to net income (ytd only)* | 51.1945% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3543% | 4,245 |
| Loan loss allowance to noncurrent loans | 616.0256% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.2760% | 5,663 |
| Noncurrent loans to loans | 0.2199% | 5,754 |
| Net loans and leases to total assets | 69.4929% | 1,975 |
| Net loans and leases to deposits | 79.1255% | 2,443 |
| Net loans and leases to core deposits | 82.2341% | 2,777 |
| Total domestic deposits to total assets | 87.8261% | 2,370 |
| Equity capital to assets | 11.9952% | 1,915 |
| Core capital (leverage) ratio | 10.9675% | 2,388 |
| Tier 1 risk-based capital ratio | 16.4022% | 2,979 |
| Total risk-based capital ratio | 17.6533% | 2,942 |
| Memoranda: | ||
| Average total assets | $104,953,330 | 4,705 |
| Average earning assets | $97,790,330 | 4,651 |
| Average equity | $11,998,670 | 4,536 |
| Average total loans | $73,071,330 | 4,209 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1646% | 3,448 |
| Cost of funding earning assets | 0.3447% | 5,595 |
| Net interest margin | 3.8199% | 2,376 |
| Noninterest income to average assets | 0.7136% | 2,520 |
| Noninterest expense to average assets | 3.1830% | 2,410 |
| Loan and lease loss provision to assets | 0.1046% | 2,938 |
| Net operating income to assets | 0.9415% | 2,467 |
| Return on assets (ROA) | 0.9415% | 2,613 |
| Pretax return on assets | 0.9863% | 3,418 |
| Return on Equity (ROE) | 8.4302% | 2,755 |
| Retained earnings to average equity (ytd only) | 1.7396% | 5,116 |
| Net charge-offs to loans | 0.2320% | 2,051 |
| Credit loss provision to net charge-offs | 65.1163% | 2,360 |
| Earnings coverage of net charge-offs (x) | 6.7907% | 2,158 |
| Efficiency ratio | 74.4755% | 3,180 |
| Assets per employee ($millions) | 2.8796% | 6,176 |
| Cash dividends to net income (ytd only)* | 79.3651% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,099 |
| Loan loss allowance to noncurrent loans | 478.0142% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 5,625 |
| Noncurrent loans to loans | 0.2012% | 5,895 |
| Net loans and leases to total assets | 63.4224% | 2,813 |
| Net loans and leases to deposits | 71.3867% | 3,265 |
| Net loans and leases to core deposits | 81.7846% | 2,601 |
| Total domestic deposits to total assets | 88.8435% | 1,770 |
| Equity capital to assets | 10.9427% | 3,027 |
| Core capital (leverage) ratio | 10.2675% | 3,050 |
| Tier 1 risk-based capital ratio | 16.0775% | 3,217 |
| Total risk-based capital ratio | 17.0374% | 3,338 |
| Memoranda: | ||
| Average total assets | $107,068,000 | 4,677 |
| Average earning assets | $99,794,000 | 4,629 |
| Average equity | $11,957,000 | 4,586 |
| Average total loans | $74,128,500 | 4,198 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5670% | 3,135 |
| Cost of funding earning assets | 0.4269% | 5,740 |
| Net interest margin | 4.1401% | 1,858 |
| Noninterest income to average assets | 0.7370% | 2,557 |
| Noninterest expense to average assets | 3.2487% | 2,473 |
| Loan and lease loss provision to assets | 0.1912% | 3,246 |
| Net operating income to assets | 1.1298% | 1,842 |
| Return on assets (ROA) | 1.1298% | 2,010 |
| Pretax return on assets | 1.1336% | 3,040 |
| Return on Equity (ROE) | 10.3093% | 2,043 |
| Retained earnings to average equity (ytd only) | 4.9550% | 2,732 |
| Net charge-offs to loans | 0.0983% | 4,679 |
| Credit loss provision to net charge-offs | 275.3425% | 873 |
| Earnings coverage of net charge-offs (x) | 19.0822% | 1,408 |
| Efficiency ratio | 71.0335% | 3,617 |
| Assets per employee ($millions) | 2.7556% | 6,363 |
| Cash dividends to net income (ytd only)* | 51.9360% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8813% | 6,307 |
| Loan loss allowance to noncurrent loans | 123.0357% | 2,782 |
| Noncurrent assets plus other real estate owned to assets | 0.5348% | 5,139 |
| Noncurrent loans to loans | 0.7163% | 4,751 |
| Net loans and leases to total assets | 74.0075% | 1,194 |
| Net loans and leases to deposits | 83.9352% | 1,762 |
| Net loans and leases to core deposits | 97.6290% | 1,173 |
| Total domestic deposits to total assets | 88.1722% | 2,119 |
| Equity capital to assets | 11.4028% | 2,537 |
| Core capital (leverage) ratio | 10.7351% | 2,511 |
| Tier 1 risk-based capital ratio | 14.5948% | 3,962 |
| Total risk-based capital ratio | 15.4896% | 4,168 |
| Memoranda: | ||
| Average total assets | $105,150,600 | 4,706 |
| Average earning assets | $97,437,400 | 4,656 |
| Average equity | $11,523,600 | 4,664 |
| Average total loans | $74,259,800 | 4,200 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 3,470 |
| Cost of funding earning assets | 0.4427% | 5,852 |
| Net interest margin | 4.0960% | 2,106 |
| Noninterest income to average assets | 0.7220% | 2,611 |
| Noninterest expense to average assets | 3.2351% | 2,469 |
| Loan and lease loss provision to assets | 0.1077% | 4,223 |
| Net operating income to assets | 1.1729% | 1,822 |
| Return on assets (ROA) | 1.1729% | 2,013 |
| Pretax return on assets | 1.1767% | 3,078 |
| Return on Equity (ROE) | 10.8117% | 2,024 |
| Retained earnings to average equity (ytd only) | 7.4023% | 1,897 |
| Net charge-offs to loans | 0.0564% | 4,864 |
| Credit loss provision to net charge-offs | 274.1935% | 995 |
| Earnings coverage of net charge-offs (x) | 32.7116% | 1,018 |
| Efficiency ratio | 71.5807% | 3,403 |
| Assets per employee ($millions) | 2.8616% | 6,274 |
| Cash dividends to net income (ytd only)* | 31.5331% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8190% | 6,561 |
| Loan loss allowance to noncurrent loans | 138.2022% | 2,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4203% | 5,636 |
| Noncurrent loans to loans | 0.5926% | 5,256 |
| Net loans and leases to total assets | 70.3438% | 1,850 |
| Net loans and leases to deposits | 79.5259% | 2,472 |
| Net loans and leases to core deposits | 92.2833% | 1,754 |
| Total domestic deposits to total assets | 88.4539% | 1,749 |
| Equity capital to assets | 11.3780% | 2,873 |
| Core capital (leverage) ratio | 10.9407% | 2,451 |
| Tier 1 risk-based capital ratio | 15.1603% | 3,738 |
| Total risk-based capital ratio | 15.9853% | 3,984 |
| Memoranda: | ||
| Average total assets | $105,260,500 | 4,743 |
| Average earning assets | $97,587,750 | 4,701 |
| Average equity | $11,419,500 | 4,728 |
| Average total loans | $73,279,000 | 4,287 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5206% | 3,686 |
| Cost of funding earning assets | 0.4667% | 5,853 |
| Net interest margin | 4.0540% | 2,276 |
| Noninterest income to average assets | 0.7158% | 2,577 |
| Noninterest expense to average assets | 3.1831% | 2,650 |
| Loan and lease loss provision to assets | 0.1009% | 4,267 |
| Net operating income to assets | 1.1822% | 1,777 |
| Return on assets (ROA) | 1.1822% | 1,979 |
| Pretax return on assets | 1.1861% | 2,992 |
| Return on Equity (ROE) | 11.0791% | 1,967 |
| Retained earnings to average equity (ytd only) | 7.6537% | 1,783 |
| Net charge-offs to loans | 0.0165% | 5,184 |
| Credit loss provision to net charge-offs | 883.3333% | 368 |
| Earnings coverage of net charge-offs (x) | 112.6667% | 383 |
| Efficiency ratio | 71.2095% | 3,566 |
| Assets per employee ($millions) | 2.7833% | 6,432 |
| Cash dividends to net income (ytd only)* | 30.9179% | 2,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8248% | 6,625 |
| Loan loss allowance to noncurrent loans | 133.0416% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 5,576 |
| Noncurrent loans to loans | 0.6200% | 5,271 |
| Net loans and leases to total assets | 70.9908% | 1,737 |
| Net loans and leases to deposits | 80.3665% | 2,336 |
| Net loans and leases to core deposits | 93.6993% | 1,635 |
| Total domestic deposits to total assets | 88.3338% | 1,937 |
| Equity capital to assets | 11.5303% | 2,561 |
| Core capital (leverage) ratio | 10.5528% | 2,755 |
| Tier 1 risk-based capital ratio | 15.2392% | 3,607 |
| Total risk-based capital ratio | 16.0743% | 3,841 |
| Memoranda: | ||
| Average total assets | $105,054,000 | 4,773 |
| Average earning assets | $97,287,330 | 4,727 |
| Average equity | $11,210,330 | 4,770 |
| Average total loans | $72,673,670 | 4,324 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5100% | 3,870 |
| Cost of funding earning assets | 0.4902% | 5,872 |
| Net interest margin | 4.0198% | 2,419 |
| Noninterest income to average assets | 0.6975% | 2,672 |
| Noninterest expense to average assets | 3.2878% | 2,324 |
| Loan and lease loss provision to assets | 0.1357% | 3,650 |
| Net operating income to assets | 0.9803% | 2,557 |
| Return on assets (ROA) | 0.9803% | 2,760 |
| Pretax return on assets | 0.9841% | 3,733 |
| Return on Equity (ROE) | 9.5601% | 2,576 |
| Retained earnings to average equity (ytd only) | 6.0302% | 2,937 |
| Net charge-offs to loans | 0.0554% | 3,943 |
| Credit loss provision to net charge-offs | 360.0000% | 857 |
| Earnings coverage of net charge-offs (x) | 29.7000% | 927 |
| Efficiency ratio | 74.5937% | 3,006 |
| Assets per employee ($millions) | 2.8412% | 6,448 |
| Cash dividends to net income (ytd only)* | 36.9231% | 1,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8262% | 6,695 |
| Loan loss allowance to noncurrent loans | 133.4091% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 5,771 |
| Noncurrent loans to loans | 0.6193% | 5,420 |
| Net loans and leases to total assets | 65.2665% | 2,605 |
| Net loans and leases to deposits | 72.7869% | 3,303 |
| Net loans and leases to core deposits | 84.4702% | 2,486 |
| Total domestic deposits to total assets | 89.6679% | 1,259 |
| Equity capital to assets | 10.1283% | 3,945 |
| Core capital (leverage) ratio | 9.4397% | 4,136 |
| Tier 1 risk-based capital ratio | 14.1675% | 4,344 |
| Total risk-based capital ratio | 14.9878% | 4,643 |
| Memoranda: | ||
| Average total assets | $106,090,500 | 4,787 |
| Average earning assets | $97,915,000 | 4,755 |
| Average equity | $10,878,500 | 4,846 |
| Average total loans | $72,153,000 | 4,378 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9812% | 2,961 |
| Cost of funding earning assets | 0.6231% | 5,976 |
| Net interest margin | 4.3581% | 1,520 |
| Noninterest income to average assets | 0.6509% | 2,879 |
| Noninterest expense to average assets | 3.4668% | 2,071 |
| Loan and lease loss provision to assets | 0.1574% | 4,667 |
| Net operating income to assets | 0.9810% | 2,279 |
| Return on assets (ROA) | 0.9891% | 2,383 |
| Pretax return on assets | 0.9942% | 3,264 |
| Return on Equity (ROE) | 9.0033% | 2,444 |
| Retained earnings to average equity (ytd only) | 3.4227% | 3,791 |
| Net charge-offs to loans | 0.2241% | 4,380 |
| Credit loss provision to net charge-offs | 101.3158% | 3,431 |
| Earnings coverage of net charge-offs (x) | 7.3618% | 2,347 |
| Efficiency ratio | 75.1995% | 3,031 |
| Assets per employee ($millions) | 2.6054% | 6,711 |
| Cash dividends to net income (ytd only)* | 61.9835% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7658% | 6,811 |
| Loan loss allowance to noncurrent loans | 101.2635% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5546% | 5,586 |
| Noncurrent loans to loans | 0.7563% | 5,185 |
| Net loans and leases to total assets | 69.7522% | 2,084 |
| Net loans and leases to deposits | 78.1780% | 2,811 |
| Net loans and leases to core deposits | 99.4174% | 1,225 |
| Total domestic deposits to total assets | 89.2224% | 1,408 |
| Equity capital to assets | 10.3842% | 3,677 |
| Core capital (leverage) ratio | 9.7838% | 3,631 |
| Tier 1 risk-based capital ratio | 13.5478% | 4,662 |
| Total risk-based capital ratio | 14.3098% | 4,993 |
| Memoranda: | ||
| Average total assets | $97,870,800 | 4,950 |
| Average earning assets | $88,914,600 | 4,964 |
| Average equity | $10,751,600 | 4,842 |
| Average total loans | $67,820,200 | 4,564 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9903% | 3,137 |
| Cost of funding earning assets | 0.6591% | 5,990 |
| Net interest margin | 4.3313% | 1,609 |
| Noninterest income to average assets | 0.6674% | 2,788 |
| Noninterest expense to average assets | 3.5187% | 1,894 |
| Loan and lease loss provision to assets | 0.1108% | 5,049 |
| Net operating income to assets | 0.9639% | 2,461 |
| Return on assets (ROA) | 0.9749% | 2,580 |
| Pretax return on assets | 0.9804% | 3,472 |
| Return on Equity (ROE) | 8.7446% | 2,710 |
| Retained earnings to average equity (ytd only) | 5.1672% | 3,084 |
| Net charge-offs to loans | 0.2447% | 3,896 |
| Credit loss provision to net charge-offs | 65.5738% | 4,618 |
| Earnings coverage of net charge-offs (x) | 6.3935% | 2,559 |
| Efficiency ratio | 76.5131% | 2,765 |
| Assets per employee ($millions) | 2.4753% | 6,920 |
| Cash dividends to net income (ytd only)* | 40.9092% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7606% | 6,876 |
| Loan loss allowance to noncurrent loans | 115.6600% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 0.4818% | 5,880 |
| Noncurrent loans to loans | 0.6576% | 5,572 |
| Net loans and leases to total assets | 68.1275% | 2,457 |
| Net loans and leases to deposits | 76.7340% | 3,207 |
| Net loans and leases to core deposits | 86.4250% | 2,716 |
| Total domestic deposits to total assets | 88.7840% | 1,556 |
| Equity capital to assets | 11.0494% | 3,090 |
| Core capital (leverage) ratio | 10.4703% | 2,900 |
| Tier 1 risk-based capital ratio | 14.6085% | 3,899 |
| Total risk-based capital ratio | 15.3621% | 4,245 |
| Memoranda: | ||
| Average total assets | $96,284,500 | 5,028 |
| Average earning assets | $87,393,250 | 5,050 |
| Average equity | $10,734,000 | 4,860 |
| Average total loans | $66,461,750 | 4,651 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 3,054 |
| Cost of funding earning assets | 0.6939% | 6,001 |
| Net interest margin | 4.3286% | 1,572 |
| Noninterest income to average assets | 0.7696% | 2,160 |
| Noninterest expense to average assets | 3.3971% | 2,268 |
| Loan and lease loss provision to assets | 0.1174% | 4,803 |
| Net operating income to assets | 1.1472% | 1,733 |
| Return on assets (ROA) | 1.1638% | 1,760 |
| Pretax return on assets | 1.1701% | 2,600 |
| Return on Equity (ROE) | 10.4076% | 1,981 |
| Retained earnings to average equity (ytd only) | 6.8071% | 1,965 |
| Net charge-offs to loans | 0.2881% | 3,435 |
| Credit loss provision to net charge-offs | 58.9474% | 4,366 |
| Earnings coverage of net charge-offs (x) | 6.3789% | 2,405 |
| Efficiency ratio | 72.7763% | 3,586 |
| Assets per employee ($millions) | 2.3740% | 7,053 |
| Cash dividends to net income (ytd only)* | 34.5946% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7904% | 6,888 |
| Loan loss allowance to noncurrent loans | 95.2381% | 3,021 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 5,728 |
| Noncurrent loans to loans | 0.8299% | 5,267 |
| Net loans and leases to total assets | 68.7339% | 2,470 |
| Net loans and leases to deposits | 77.8114% | 3,153 |
| Net loans and leases to core deposits | 83.7867% | 3,243 |
| Total domestic deposits to total assets | 88.3339% | 1,946 |
| Equity capital to assets | 11.4807% | 2,516 |
| Core capital (leverage) ratio | 10.2775% | 2,953 |
| Tier 1 risk-based capital ratio | 15.0460% | 3,469 |
| Total risk-based capital ratio | 15.8308% | 3,710 |
| Memoranda: | ||
| Average total assets | $95,376,000 | 5,091 |
| Average earning assets | $85,894,670 | 5,129 |
| Average equity | $10,665,330 | 4,880 |
| Average total loans | $65,959,000 | 4,733 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0245% | 2,988 |
| Cost of funding earning assets | 0.7252% | 6,002 |
| Net interest margin | 4.2993% | 1,563 |
| Noninterest income to average assets | 0.7658% | 2,186 |
| Noninterest expense to average assets | 3.5571% | 1,858 |
| Loan and lease loss provision to assets | 0.0670% | 5,159 |
| Net operating income to assets | 0.9541% | 2,341 |
| Return on assets (ROA) | 0.9541% | 2,406 |
| Pretax return on assets | 0.9625% | 3,275 |
| Return on Equity (ROE) | 8.6470% | 2,633 |
| Retained earnings to average equity (ytd only) | 5.0062% | 3,191 |
| Net charge-offs to loans | 0.0969% | 3,972 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 15.3750% | 1,318 |
| Efficiency ratio | 77.5547% | 2,908 |
| Assets per employee ($millions) | 2.4569% | 7,043 |
| Cash dividends to net income (ytd only)* | 42.1053% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8375% | 6,844 |
| Loan loss allowance to noncurrent loans | 67.5121% | 4,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8425% | 5,218 |
| Noncurrent loans to loans | 1.2405% | 4,614 |
| Net loans and leases to total assets | 67.3498% | 2,685 |
| Net loans and leases to deposits | 75.6702% | 3,469 |
| Net loans and leases to core deposits | 79.2728% | 3,848 |
| Total domestic deposits to total assets | 89.0043% | 1,770 |
| Equity capital to assets | 10.7494% | 2,931 |
| Core capital (leverage) ratio | 9.9164% | 3,250 |
| Tier 1 risk-based capital ratio | 14.5064% | 3,735 |
| Total risk-based capital ratio | 15.3391% | 3,989 |
| Memoranda: | ||
| Average total assets | $95,584,500 | 5,113 |
| Average earning assets | $84,944,000 | 5,187 |
| Average equity | $10,547,000 | 4,909 |
| Average total loans | $66,044,000 | 4,762 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 2,949 |
| Cost of funding earning assets | 0.8682% | 6,307 |
| Net interest margin | 4.4688% | 1,301 |
| Noninterest income to average assets | 0.8468% | 2,072 |
| Noninterest expense to average assets | 3.7322% | 1,625 |
| Loan and lease loss provision to assets | 0.0732% | 6,418 |
| Net operating income to assets | 1.0646% | 1,826 |
| Return on assets (ROA) | 1.0942% | 1,802 |
| Pretax return on assets | 1.1098% | 2,537 |
| Return on Equity (ROE) | 9.4123% | 2,139 |
| Retained earnings to average equity (ytd only) | 1.8997% | 4,537 |
| Net charge-offs to loans | 0.4140% | 3,968 |
| Credit loss provision to net charge-offs | 26.0870% | 6,519 |
| Earnings coverage of net charge-offs (x) | 4.1067% | 3,061 |
| Efficiency ratio | 76.3971% | 2,990 |
| Assets per employee ($millions) | 2.4446% | 7,080 |
| Cash dividends to net income (ytd only)* | 79.8174% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8555% | 6,842 |
| Loan loss allowance to noncurrent loans | 56.1245% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0722% | 4,861 |
| Noncurrent loans to loans | 1.5243% | 4,202 |
| Net loans and leases to total assets | 69.7376% | 2,587 |
| Net loans and leases to deposits | 79.0815% | 3,326 |
| Net loans and leases to core deposits | 83.1071% | 3,732 |
| Total domestic deposits to total assets | 88.1844% | 2,131 |
| Equity capital to assets | 11.3355% | 2,388 |
| Core capital (leverage) ratio | 10.2009% | 2,862 |
| Tier 1 risk-based capital ratio | 14.8562% | 3,334 |
| Total risk-based capital ratio | 15.7207% | 3,519 |
| Memoranda: | ||
| Average total assets | $90,107,800 | 5,283 |
| Average earning assets | $81,430,800 | 5,292 |
| Average equity | $10,475,600 | 4,988 |
| Average total loans | $61,104,000 | 5,021 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3254% | 3,228 |
| Cost of funding earning assets | 0.8805% | 6,473 |
| Net interest margin | 4.4450% | 1,388 |
| Noninterest income to average assets | 0.8545% | 1,980 |
| Noninterest expense to average assets | 3.7847% | 1,398 |
| Loan and lease loss provision to assets | 0.0746% | 6,308 |
| Net operating income to assets | 1.0133% | 2,188 |
| Return on assets (ROA) | 1.0528% | 2,169 |
| Pretax return on assets | 1.0707% | 2,925 |
| Return on Equity (ROE) | 8.9974% | 2,489 |
| Retained earnings to average equity (ytd only) | 2.9439% | 4,371 |
| Net charge-offs to loans | 0.5396% | 3,143 |
| Credit loss provision to net charge-offs | 20.5761% | 6,245 |
| Earnings coverage of net charge-offs (x) | 3.0494% | 3,612 |
| Efficiency ratio | 77.4016% | 2,708 |
| Assets per employee ($millions) | 2.4927% | 7,090 |
| Cash dividends to net income (ytd only)* | 67.2807% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8587% | 6,868 |
| Loan loss allowance to noncurrent loans | 161.2245% | 1,771 |
| Noncurrent assets plus other real estate owned to assets | 0.3719% | 6,475 |
| Noncurrent loans to loans | 0.5326% | 6,139 |
| Net loans and leases to total assets | 69.2269% | 2,922 |
| Net loans and leases to deposits | 78.4518% | 3,745 |
| Net loans and leases to core deposits | 82.4696% | 4,173 |
| Total domestic deposits to total assets | 88.2414% | 1,836 |
| Equity capital to assets | 11.5722% | 2,477 |
| Core capital (leverage) ratio | 10.6354% | 2,560 |
| Tier 1 risk-based capital ratio | 15.1411% | 3,184 |
| Total risk-based capital ratio | 16.0098% | 3,350 |
| Memoranda: | ||
| Average total assets | $89,411,250 | 5,378 |
| Average earning assets | $81,168,250 | 5,366 |
| Average equity | $10,462,000 | 5,068 |
| Average total loans | $60,044,750 | 5,145 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 3,266 |
| Cost of funding earning assets | 0.9000% | 6,580 |
| Net interest margin | 4.4398% | 1,347 |
| Noninterest income to average assets | 0.8387% | 1,926 |
| Noninterest expense to average assets | 3.7843% | 1,386 |
| Loan and lease loss provision to assets | 0.0746% | 6,198 |
| Net operating income to assets | 0.9733% | 2,287 |
| Return on assets (ROA) | 1.0331% | 2,150 |
| Pretax return on assets | 1.0557% | 2,914 |
| Return on Equity (ROE) | 8.7955% | 2,554 |
| Retained earnings to average equity (ytd only) | 1.5012% | 5,123 |
| Net charge-offs to loans | 0.7271% | 2,404 |
| Credit loss provision to net charge-offs | 15.4930% | 5,888 |
| Earnings coverage of net charge-offs (x) | 2.2207% | 3,899 |
| Efficiency ratio | 77.9693% | 2,732 |
| Assets per employee ($millions) | 2.5721% | 7,000 |
| Cash dividends to net income (ytd only)* | 82.9322% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 6,603 |
| Loan loss allowance to noncurrent loans | 166.9617% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 6,493 |
| Noncurrent loans to loans | 0.5679% | 6,113 |
| Net loans and leases to total assets | 65.6818% | 3,905 |
| Net loans and leases to deposits | 74.5039% | 4,597 |
| Net loans and leases to core deposits | 76.4724% | 5,146 |
| Total domestic deposits to total assets | 88.1588% | 1,921 |
| Equity capital to assets | 11.6845% | 2,291 |
| Core capital (leverage) ratio | 10.6404% | 2,508 |
| Tier 1 risk-based capital ratio | 15.6931% | 2,808 |
| Total risk-based capital ratio | 16.6294% | 2,928 |
| Memoranda: | ||
| Average total assets | $88,471,670 | 5,440 |
| Average earning assets | $80,004,330 | 5,440 |
| Average equity | $10,391,670 | 5,090 |
| Average total loans | $58,592,670 | 5,244 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3328% | 3,377 |
| Cost of funding earning assets | 0.9030% | 6,759 |
| Net interest margin | 4.4298% | 1,297 |
| Noninterest income to average assets | 0.8986% | 1,628 |
| Noninterest expense to average assets | 3.8999% | 1,167 |
| Loan and lease loss provision to assets | 0.0775% | 5,863 |
| Net operating income to assets | 0.9141% | 2,494 |
| Return on assets (ROA) | 0.9579% | 2,399 |
| Pretax return on assets | 0.9944% | 3,117 |
| Return on Equity (ROE) | 8.1332% | 2,817 |
| Retained earnings to average equity (ytd only) | -2.8273% | 6,337 |
| Net charge-offs to loans | 0.0620% | 4,796 |
| Credit loss provision to net charge-offs | 188.8889% | 1,945 |
| Earnings coverage of net charge-offs (x) | 25.0000% | 992 |
| Efficiency ratio | 79.1667% | 2,689 |
| Assets per employee ($millions) | 2.8722% | 6,493 |
| Cash dividends to net income (ytd only)* | 134.7619% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2814% | 5,038 |
| Loan loss allowance to noncurrent loans | 183.0097% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.5425% | 6,142 |
| Noncurrent loans to loans | 0.7002% | 5,931 |
| Net loans and leases to total assets | 65.2407% | 4,051 |
| Net loans and leases to deposits | 73.9686% | 4,744 |
| Net loans and leases to core deposits | 75.8035% | 5,283 |
| Total domestic deposits to total assets | 88.2005% | 1,947 |
| Equity capital to assets | 11.5389% | 2,331 |
| Core capital (leverage) ratio | 13.0036% | 1,212 |
| Tier 1 risk-based capital ratio | 15.7961% | 2,730 |
| Total risk-based capital ratio | 17.0466% | 2,672 |
| Memoranda: | ||
| Average total assets | $87,695,000 | 5,521 |
| Average earning assets | $79,733,000 | 5,514 |
| Average equity | $10,328,000 | 5,142 |
| Average total loans | $58,041,000 | 5,336 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0275% | 1,759 |
| Cost of funding earning assets | 1.1752% | 6,751 |
| Net interest margin | 4.8523% | 616 |
| Noninterest income to average assets | 3.1908% | 217 |
| Noninterest expense to average assets | 4.4218% | 857 |
| Loan and lease loss provision to assets | 1.3368% | 1,716 |
| Net operating income to assets | 1.7645% | 386 |
| Return on assets (ROA) | 1.7645% | 409 |
| Pretax return on assets | 1.7765% | 663 |
| Return on Equity (ROE) | 11.4493% | 1,307 |
| Retained earnings to average equity (ytd only) | 4.7190% | 1,967 |
| Net charge-offs to loans | 1.1389% | 2,146 |
| Credit loss provision to net charge-offs | 178.6853% | 2,332 |
| Earnings coverage of net charge-offs (x) | 4.1614% | 3,033 |
| Efficiency ratio | 58.6828% | 6,667 |
| Assets per employee ($millions) | 2.2142% | 7,555 |
| Cash dividends to net income (ytd only)* | 58.7838% | 2,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,739 |
| Loan loss allowance to noncurrent loans | 80.5616% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.1476% | 4,797 |
| Noncurrent loans to loans | 1.6178% | 4,224 |
| Net loans and leases to total assets | 65.4218% | 4,295 |
| Net loans and leases to deposits | 75.1177% | 4,860 |
| Net loans and leases to core deposits | 85.7709% | 5,542 |
| Total domestic deposits to total assets | 87.0924% | 2,447 |
| Equity capital to assets | 12.0229% | 2,027 |
| Core capital (leverage) ratio | 13.9927% | 983 |
| Tier 1 risk-based capital ratio | 16.0950% | 2,476 |
| Total risk-based capital ratio | 17.3456% | 2,411 |
| Memoranda: | ||
| Average total assets | $67,099,400 | 6,106 |
| Average earning assets | $60,074,200 | 6,123 |
| Average equity | $10,341,200 | 5,202 |
| Average total loans | $44,076,000 | 5,929 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1822% | 1,415 |
| Cost of funding earning assets | 1.2476% | 6,738 |
| Net interest margin | 4.9346% | 509 |
| Noninterest income to average assets | 4.4567% | 148 |
| Noninterest expense to average assets | 3.9259% | 1,390 |
| Loan and lease loss provision to assets | 0.6636% | 2,754 |
| Net operating income to assets | 4.2148% | 35 |
| Return on assets (ROA) | 4.2148% | 36 |
| Pretax return on assets | 4.2277% | 45 |
| Return on Equity (ROE) | 25.4116% | 104 |
| Retained earnings to average equity (ytd only) | 20.4557% | 57 |
| Net charge-offs to loans | 0.9317% | 2,108 |
| Credit loss provision to net charge-offs | 108.7719% | 4,671 |
| Earnings coverage of net charge-offs (x) | 8.0176% | 2,318 |
| Efficiency ratio | 44.5254% | 7,820 |
| Assets per employee ($millions) | 2.1259% | 7,688 |
| Cash dividends to net income (ytd only)* | 19.5024% | 3,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6767% | 7,424 |
| Loan loss allowance to noncurrent loans | 93.7656% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 6,282 |
| Noncurrent loans to loans | 0.7217% | 5,864 |
| Net loans and leases to total assets | 64.8964% | 4,674 |
| Net loans and leases to deposits | 75.2697% | 5,168 |
| Net loans and leases to core deposits | 87.1221% | 5,740 |
| Total domestic deposits to total assets | 86.2185% | 2,578 |
| Equity capital to assets | 13.5416% | 1,479 |
| Core capital (leverage) ratio | 13.4067% | 1,260 |
| Tier 1 risk-based capital ratio | 18.7515% | 1,805 |
| Total risk-based capital ratio | 19.4225% | 1,885 |
| Memoranda: | ||
| Average total assets | $62,286,250 | 6,306 |
| Average earning assets | $55,038,000 | 6,377 |
| Average equity | $10,331,000 | 5,249 |
| Average total loans | $40,785,250 | 6,118 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0931% | 1,813 |
| Cost of funding earning assets | 1.2318% | 7,014 |
| Net interest margin | 4.8613% | 585 |
| Noninterest income to average assets | 1.0493% | 1,436 |
| Noninterest expense to average assets | 3.5939% | 2,084 |
| Loan and lease loss provision to assets | 0.0768% | 6,421 |
| Net operating income to assets | 1.6745% | 589 |
| Return on assets (ROA) | 1.6745% | 649 |
| Pretax return on assets | 1.6928% | 1,030 |
| Return on Equity (ROE) | 9.2187% | 2,280 |
| Retained earnings to average equity (ytd only) | 2.9387% | 3,693 |
| Net charge-offs to loans | 0.1450% | 4,734 |
| Credit loss provision to net charge-offs | 80.7692% | 5,177 |
| Earnings coverage of net charge-offs (x) | 18.6154% | 1,402 |
| Efficiency ratio | 67.0075% | 5,360 |
| Assets per employee ($millions) | 2.3740% | 7,466 |
| Cash dividends to net income (ytd only)* | 68.1223% | 1,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9751% | 6,418 |
| Loan loss allowance to noncurrent loans | 241.9580% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.2619% | 6,823 |
| Noncurrent loans to loans | 0.4030% | 6,498 |
| Net loans and leases to total assets | 64.3523% | 4,910 |
| Net loans and leases to deposits | 79.0893% | 4,688 |
| Net loans and leases to core deposits | 88.5420% | 5,677 |
| Total domestic deposits to total assets | 81.3666% | 4,936 |
| Equity capital to assets | 18.3403% | 521 |
| Core capital (leverage) ratio | 17.4293% | 564 |
| Tier 1 risk-based capital ratio | 27.4426% | 746 |
| Total risk-based capital ratio | 28.4236% | 753 |
| Memoranda: | ||
| Average total assets | $54,703,670 | 6,649 |
| Average earning assets | $48,546,670 | 6,688 |
| Average equity | $9,936,330 | 5,373 |
| Average total loans | $35,860,330 | 6,412 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1487% | 1,765 |
| Cost of funding earning assets | 1.3435% | 6,897 |
| Net interest margin | 4.8052% | 601 |
| Noninterest income to average assets | 1.0520% | 1,341 |
| Noninterest expense to average assets | 3.5065% | 2,084 |
| Loan and lease loss provision to assets | 0.0804% | 5,943 |
| Net operating income to assets | 1.6948% | 653 |
| Return on assets (ROA) | 1.6948% | 719 |
| Pretax return on assets | 1.7240% | 1,130 |
| Return on Equity (ROE) | 9.3761% | 2,581 |
| Retained earnings to average equity (ytd only) | -0.3233% | 5,720 |
| Net charge-offs to loans | 0.0999% | 4,177 |
| Credit loss provision to net charge-offs | 122.2222% | 3,230 |
| Earnings coverage of net charge-offs (x) | 27.4444% | 1,132 |
| Efficiency ratio | 66.0248% | 5,327 |
| Assets per employee ($millions) | 2.4170% | 7,430 |
| Cash dividends to net income (ytd only)* | 103.4483% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 6,102 |
| Loan loss allowance to noncurrent loans | 269.4656% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 6,811 |
| Noncurrent loans to loans | 0.3754% | 6,481 |
| Net loans and leases to total assets | 62.1312% | 5,297 |
| Net loans and leases to deposits | 75.8654% | 5,247 |
| Net loans and leases to core deposits | 84.4767% | 6,025 |
| Total domestic deposits to total assets | 81.8967% | 4,590 |
| Equity capital to assets | 17.7310% | 641 |
| Core capital (leverage) ratio | 16.7933% | 680 |
| Tier 1 risk-based capital ratio | 27.1167% | 812 |
| Total risk-based capital ratio | 28.1216% | 808 |
| Memoranda: | ||
| Average total assets | $54,755,000 | 6,681 |
| Average earning assets | $48,530,500 | 6,728 |
| Average equity | $9,897,500 | 5,414 |
| Average total loans | $36,049,000 | 6,441 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5420% | 2,751 |
| Cost of funding earning assets | 1.5867% | 7,477 |
| Net interest margin | 4.9553% | 561 |
| Noninterest income to average assets | 1.0851% | 1,338 |
| Noninterest expense to average assets | 3.7247% | 1,902 |
| Loan and lease loss provision to assets | 0.0923% | 6,212 |
| Net operating income to assets | 1.8876% | 446 |
| Return on assets (ROA) | 1.9066% | 411 |
| Pretax return on assets | 1.9258% | 730 |
| Return on Equity (ROE) | 10.3425% | 2,144 |
| Retained earnings to average equity (ytd only) | 3.2249% | 3,144 |
| Net charge-offs to loans | 0.1046% | 5,260 |
| Credit loss provision to net charge-offs | 133.3333% | 3,986 |
| Earnings coverage of net charge-offs (x) | 28.8611% | 1,199 |
| Efficiency ratio | 65.0756% | 5,305 |
| Assets per employee ($millions) | 2.3443% | 7,495 |
| Cash dividends to net income (ytd only)* | 68.8194% | 2,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9434% | 6,429 |
| Loan loss allowance to noncurrent loans | 172.9064% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 0.3765% | 6,109 |
| Noncurrent loans to loans | 0.5456% | 5,727 |
| Net loans and leases to total assets | 68.3519% | 4,399 |
| Net loans and leases to deposits | 84.6732% | 4,313 |
| Net loans and leases to core deposits | 95.5559% | 5,293 |
| Total domestic deposits to total assets | 80.7244% | 4,759 |
| Equity capital to assets | 18.4317% | 608 |
| Core capital (leverage) ratio | 17.9124% | 613 |
| Tier 1 risk-based capital ratio | 25.8690% | 915 |
| Total risk-based capital ratio | 26.8215% | 916 |
| Memoranda: | ||
| Average total assets | $51,977,400 | 6,694 |
| Average earning assets | $48,655,200 | 6,649 |
| Average equity | $9,581,800 | 5,543 |
| Average total loans | $34,427,000 | 6,462 |