Home > The First National Bank of Manning > Performance and Condition Ratios
The First National Bank of Manning, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0734% | 4,506 |
| Cost of funding earning assets | 1.3735% | 2,299 |
| Net interest margin | 1.6999% | 4,472 |
| Noninterest income to average assets | 0.0400% | 4,460 |
| Noninterest expense to average assets | 1.5379% | 4,307 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.1341% | 4,224 |
| Return on assets (ROA) | 0.1341% | 4,249 |
| Pretax return on assets | 0.1271% | 4,256 |
| Return on Equity (ROE) | 1.1000% | 4,252 |
| Retained earnings to average equity (ytd only) | -0.1833% | 4,104 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 92.3675% | 357 |
| Assets per employee ($millions) | 9.2059% | 919 |
| Cash dividends to net income (ytd only)* | 116.6667% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9616% | 406 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 43.9700% | 3,903 |
| Net loans and leases to deposits | 51.9736% | 3,885 |
| Net loans and leases to core deposits | 58.5850% | 3,814 |
| Total domestic deposits to total assets | 84.6100% | 2,433 |
| Equity capital to assets | 13.1063% | 842 |
| Core capital (leverage) ratio | 15.1672% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0553% | 219 |
| Memoranda: | ||
| Average total assets | $84,986,400 | 3,972 |
| Average earning assets | $81,181,600 | 3,918 |
| Average equity | $10,366,400 | 3,679 |
| Average total loans | $35,189,800 | 4,066 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9905% | 4,531 |
| Cost of funding earning assets | 1.2611% | 2,254 |
| Net interest margin | 1.7294% | 4,493 |
| Noninterest income to average assets | 0.0400% | 4,484 |
| Noninterest expense to average assets | 1.5029% | 4,317 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.1855% | 4,242 |
| Return on assets (ROA) | 0.1855% | 4,261 |
| Pretax return on assets | 0.1902% | 4,271 |
| Return on Equity (ROE) | 1.5500% | 4,258 |
| Retained earnings to average equity (ytd only) | 1.5489% | 3,829 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.7661% | 419 |
| Assets per employee ($millions) | 9.2653% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0550% | 359 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 41.6700% | 4,001 |
| Net loans and leases to deposits | 49.5472% | 3,954 |
| Net loans and leases to core deposits | 55.7989% | 3,864 |
| Total domestic deposits to total assets | 84.1000% | 2,749 |
| Equity capital to assets | 12.2979% | 969 |
| Core capital (leverage) ratio | 14.7881% | 664 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.9187% | 205 |
| Memoranda: | ||
| Average total assets | $85,519,750 | 3,983 |
| Average earning assets | $81,722,750 | 3,927 |
| Average equity | $10,243,250 | 3,698 |
| Average total loans | $34,696,500 | 4,092 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8956% | 4,572 |
| Cost of funding earning assets | 1.1311% | 2,194 |
| Net interest margin | 1.7646% | 4,546 |
| Noninterest income to average assets | 0.0400% | 4,512 |
| Noninterest expense to average assets | 1.5006% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.2157% | 4,261 |
| Return on assets (ROA) | 0.2157% | 4,285 |
| Pretax return on assets | 0.2296% | 4,287 |
| Return on Equity (ROE) | 1.8200% | 4,292 |
| Retained earnings to average equity (ytd only) | 1.8165% | 3,754 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 86.7292% | 465 |
| Assets per employee ($millions) | 9.4989% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1198% | 348 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 39.3700% | 4,062 |
| Net loans and leases to deposits | 44.9689% | 4,071 |
| Net loans and leases to core deposits | 49.8681% | 4,024 |
| Total domestic deposits to total assets | 87.5600% | 1,764 |
| Equity capital to assets | 12.0143% | 1,045 |
| Core capital (leverage) ratio | 14.8380% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6376% | 186 |
| Memoranda: | ||
| Average total assets | $86,230,333 | 3,988 |
| Average earning assets | $82,400,000 | 3,933 |
| Average equity | $10,239,333 | 3,717 |
| Average total loans | $34,437,000 | 4,106 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7953% | 4,605 |
| Cost of funding earning assets | 0.9752% | 2,131 |
| Net interest margin | 1.8201% | 4,601 |
| Noninterest income to average assets | 0.0500% | 4,540 |
| Noninterest expense to average assets | 1.5058% | 4,382 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2540% | 4,304 |
| Return on assets (ROA) | 0.2540% | 4,271 |
| Pretax return on assets | 0.2818% | 4,278 |
| Return on Equity (ROE) | 2.1500% | 4,283 |
| Retained earnings to average equity (ytd only) | 2.1519% | 3,674 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.2377% | 583 |
| Assets per employee ($millions) | 9.2701% | 848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1896% | 329 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 39.0300% | 4,077 |
| Net loans and leases to deposits | 47.0707% | 3,994 |
| Net loans and leases to core deposits | 49.6471% | 4,002 |
| Total domestic deposits to total assets | 82.9200% | 3,312 |
| Equity capital to assets | 12.5157% | 871 |
| Core capital (leverage) ratio | 14.5045% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9487% | 193 |
| Memoranda: | ||
| Average total assets | $86,600,500 | 4,034 |
| Average earning assets | $82,852,500 | 3,983 |
| Average equity | $10,223,500 | 3,757 |
| Average total loans | $34,460,500 | 4,161 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4173% | 4,531 |
| Cost of funding earning assets | 0.3466% | 2,503 |
| Net interest margin | 2.0706% | 4,535 |
| Noninterest income to average assets | 0.0700% | 4,528 |
| Noninterest expense to average assets | 1.4256% | 4,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5110% | 4,073 |
| Return on assets (ROA) | 0.5110% | 4,030 |
| Pretax return on assets | 0.6293% | 3,981 |
| Return on Equity (ROE) | 4.2900% | 4,117 |
| Retained earnings to average equity (ytd only) | 0.4925% | 4,275 |
| Net charge-offs to loans | -0.0030% | 3,528 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3757% | 1,774 |
| Assets per employee ($millions) | 9.9744% | 680 |
| Cash dividends to net income (ytd only)* | 88.5281% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0461% | 398 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 38.8800% | 4,106 |
| Net loans and leases to deposits | 46.8060% | 4,017 |
| Net loans and leases to core deposits | 49.1722% | 4,010 |
| Total domestic deposits to total assets | 83.0600% | 3,408 |
| Equity capital to assets | 11.1451% | 1,203 |
| Core capital (leverage) ratio | 14.2074% | 693 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.0547% | 204 |
| Memoranda: | ||
| Average total assets | $90,419,800 | 4,007 |
| Average earning assets | $86,544,000 | 3,963 |
| Average equity | $10,761,600 | 3,784 |
| Average total loans | $33,048,400 | 4,192 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3105% | 4,529 |
| Cost of funding earning assets | 0.2039% | 3,219 |
| Net interest margin | 2.1066% | 4,512 |
| Noninterest income to average assets | 0.0800% | 4,530 |
| Noninterest expense to average assets | 1.4072% | 4,505 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5593% | 3,944 |
| Return on assets (ROA) | 0.5593% | 3,891 |
| Pretax return on assets | 0.6933% | 3,812 |
| Return on Equity (ROE) | 4.6300% | 4,052 |
| Retained earnings to average equity (ytd only) | 4.6267% | 3,231 |
| Net charge-offs to loans | -0.0041% | 3,430 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 66.9937% | 2,156 |
| Assets per employee ($millions) | 9.6274% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1719% | 364 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 37.9000% | 4,152 |
| Net loans and leases to deposits | 43.1882% | 4,142 |
| Net loans and leases to core deposits | 45.3229% | 4,137 |
| Total domestic deposits to total assets | 87.7500% | 2,500 |
| Equity capital to assets | 11.5226% | 1,002 |
| Core capital (leverage) ratio | 14.0989% | 666 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.8748% | 180 |
| Memoranda: | ||
| Average total assets | $90,582,250 | 4,036 |
| Average earning assets | $86,962,500 | 3,983 |
| Average equity | $10,950,750 | 3,814 |
| Average total loans | $32,403,500 | 4,229 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1547% | 4,585 |
| Cost of funding earning assets | 0.1546% | 3,519 |
| Net interest margin | 2.0001% | 4,558 |
| Noninterest income to average assets | 0.0958% | 4,501 |
| Noninterest expense to average assets | 1.3581% | 4,559 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5267% | 3,828 |
| Return on assets (ROA) | 0.5267% | 3,779 |
| Pretax return on assets | 0.6529% | 3,708 |
| Return on Equity (ROE) | 4.2934% | 3,964 |
| Retained earnings to average equity (ytd only) | 4.2934% | 2,976 |
| Net charge-offs to loans | -0.0062% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5325% | 2,308 |
| Assets per employee ($millions) | 10.3676% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2334% | 363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 34.2007% | 4,325 |
| Net loans and leases to deposits | 38.6948% | 4,307 |
| Net loans and leases to core deposits | 40.4497% | 4,306 |
| Total domestic deposits to total assets | 88.3858% | 2,430 |
| Equity capital to assets | 11.4170% | 1,056 |
| Core capital (leverage) ratio | 13.4604% | 716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6187% | 157 |
| Memoranda: | ||
| Average total assets | $91,894,000 | 4,065 |
| Average earning assets | $87,994,000 | 4,029 |
| Average equity | $11,273,000 | 3,852 |
| Average total loans | $32,016,333 | 4,281 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0324% | 4,611 |
| Cost of funding earning assets | 0.1507% | 3,496 |
| Net interest margin | 1.8816% | 4,588 |
| Noninterest income to average assets | 0.1448% | 4,289 |
| Noninterest expense to average assets | 1.3949% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4518% | 3,840 |
| Return on assets (ROA) | 0.4518% | 3,806 |
| Pretax return on assets | 0.5571% | 3,736 |
| Return on Equity (ROE) | 3.5569% | 3,983 |
| Retained earnings to average equity (ytd only) | 3.5569% | 3,096 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4607% | 2,049 |
| Assets per employee ($millions) | 10.2480% | 642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3525% | 342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 32.7630% | 4,346 |
| Net loans and leases to deposits | 37.3454% | 4,340 |
| Net loans and leases to core deposits | 39.0691% | 4,336 |
| Total domestic deposits to total assets | 87.7299% | 2,655 |
| Equity capital to assets | 12.0544% | 935 |
| Core capital (leverage) ratio | 13.4598% | 680 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4208% | 138 |
| Memoranda: | ||
| Average total assets | $91,187,000 | 4,085 |
| Average earning assets | $87,583,000 | 4,049 |
| Average equity | $11,583,000 | 3,899 |
| Average total loans | $31,704,000 | 4,298 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3208% | 4,578 |
| Cost of funding earning assets | 0.2446% | 2,998 |
| Net interest margin | 2.0761% | 4,556 |
| Noninterest income to average assets | 0.4963% | 2,585 |
| Noninterest expense to average assets | 1.5593% | 4,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7247% | 3,553 |
| Return on assets (ROA) | 0.7247% | 3,619 |
| Pretax return on assets | 0.9173% | 3,465 |
| Return on Equity (ROE) | 4.7761% | 4,047 |
| Retained earnings to average equity (ytd only) | 0.7160% | 4,329 |
| Net charge-offs to loans | -0.0059% | 3,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9611% | 2,720 |
| Assets per employee ($millions) | 10.0158% | 663 |
| Cash dividends to net income (ytd only)* | 85.0085% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2426% | 418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 35.2045% | 4,323 |
| Net loans and leases to deposits | 40.7452% | 4,318 |
| Net loans and leases to core deposits | 43.2685% | 4,293 |
| Total domestic deposits to total assets | 86.4015% | 2,758 |
| Equity capital to assets | 13.3656% | 804 |
| Core capital (leverage) ratio | 14.1070% | 603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.1618% | 156 |
| Memoranda: | ||
| Average total assets | $80,999,000 | 4,205 |
| Average earning assets | $77,259,400 | 4,165 |
| Average equity | $12,290,400 | 3,902 |
| Average total loans | $33,653,800 | 4,305 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4058% | 4,628 |
| Cost of funding earning assets | 0.2703% | 2,895 |
| Net interest margin | 2.1355% | 4,608 |
| Noninterest income to average assets | 0.5014% | 2,618 |
| Noninterest expense to average assets | 1.5516% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.7741% | 3,589 |
| Return on assets (ROA) | 0.7741% | 3,654 |
| Pretax return on assets | 0.9841% | 3,507 |
| Return on Equity (ROE) | 4.9334% | 4,131 |
| Retained earnings to average equity (ytd only) | 4.9334% | 3,242 |
| Net charge-offs to loans | -0.0039% | 3,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1890% | 2,807 |
| Assets per employee ($millions) | 9.4140% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2933% | 396 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 36.5578% | 4,361 |
| Net loans and leases to deposits | 43.1717% | 4,339 |
| Net loans and leases to core deposits | 46.0827% | 4,320 |
| Total domestic deposits to total assets | 84.6800% | 3,232 |
| Equity capital to assets | 14.8585% | 561 |
| Core capital (leverage) ratio | 15.2995% | 453 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5814% | 137 |
| Memoranda: | ||
| Average total assets | $78,713,250 | 4,285 |
| Average earning assets | $74,984,000 | 4,249 |
| Average equity | $12,351,000 | 3,947 |
| Average total loans | $33,951,750 | 4,360 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4862% | 4,626 |
| Cost of funding earning assets | 0.2933% | 2,839 |
| Net interest margin | 2.1929% | 4,605 |
| Noninterest income to average assets | 0.4093% | 3,061 |
| Noninterest expense to average assets | 1.5513% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7431% | 3,656 |
| Return on assets (ROA) | 0.7431% | 3,721 |
| Pretax return on assets | 0.9438% | 3,563 |
| Return on Equity (ROE) | 4.6448% | 4,200 |
| Retained earnings to average equity (ytd only) | 4.6448% | 3,313 |
| Net charge-offs to loans | -0.0058% | 3,476 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1735% | 2,706 |
| Assets per employee ($millions) | 8.5407% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0830% | 519 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 44.4592% | 4,014 |
| Net loans and leases to deposits | 53.4545% | 3,892 |
| Net loans and leases to core deposits | 57.5213% | 3,796 |
| Total domestic deposits to total assets | 83.1720% | 3,666 |
| Equity capital to assets | 16.1424% | 399 |
| Core capital (leverage) ratio | 16.1743% | 363 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.6175% | 168 |
| Memoranda: | ||
| Average total assets | $76,709,000 | 4,339 |
| Average earning assets | $72,963,333 | 4,301 |
| Average equity | $12,271,667 | 3,960 |
| Average total loans | $34,702,000 | 4,381 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5029% | 4,641 |
| Cost of funding earning assets | 0.3205% | 2,792 |
| Net interest margin | 2.1824% | 4,624 |
| Noninterest income to average assets | 0.2140% | 4,112 |
| Noninterest expense to average assets | 1.5921% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5481% | 4,079 |
| Return on assets (ROA) | 0.5481% | 4,122 |
| Pretax return on assets | 0.6838% | 4,052 |
| Return on Equity (ROE) | 3.4416% | 4,390 |
| Retained earnings to average equity (ytd only) | 3.4416% | 3,651 |
| Net charge-offs to loans | -0.0116% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9541% | 1,707 |
| Assets per employee ($millions) | 8.4640% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0719% | 524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 45.1074% | 4,031 |
| Net loans and leases to deposits | 54.1476% | 3,926 |
| Net loans and leases to core deposits | 57.9043% | 3,842 |
| Total domestic deposits to total assets | 83.3045% | 3,616 |
| Equity capital to assets | 16.0260% | 387 |
| Core capital (leverage) ratio | 15.9752% | 384 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1687% | 181 |
| Memoranda: | ||
| Average total assets | $76,630,500 | 4,356 |
| Average earning assets | $72,396,000 | 4,326 |
| Average equity | $12,203,500 | 3,977 |
| Average total loans | $34,602,500 | 4,407 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3682% | 4,242 |
| Cost of funding earning assets | 0.4873% | 3,033 |
| Net interest margin | 2.8809% | 4,143 |
| Noninterest income to average assets | 0.2844% | 3,784 |
| Noninterest expense to average assets | 1.8361% | 4,414 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9281% | 2,573 |
| Return on assets (ROA) | 0.9281% | 2,721 |
| Pretax return on assets | 1.1793% | 2,400 |
| Return on Equity (ROE) | 5.2355% | 3,838 |
| Retained earnings to average equity (ytd only) | 1.2132% | 4,140 |
| Net charge-offs to loans | -0.0025% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8904% | 3,336 |
| Assets per employee ($millions) | 8.5650% | 872 |
| Cash dividends to net income (ytd only)* | 76.8274% | 748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1280% | 469 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 43.3171% | 4,285 |
| Net loans and leases to deposits | 51.7891% | 4,224 |
| Net loans and leases to core deposits | 54.7780% | 4,218 |
| Total domestic deposits to total assets | 83.6414% | 3,221 |
| Equity capital to assets | 15.8254% | 451 |
| Core capital (leverage) ratio | 16.2618% | 365 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.9964% | 175 |
| Memoranda: | ||
| Average total assets | $69,279,000 | 4,395 |
| Average earning assets | $65,673,000 | 4,360 |
| Average equity | $12,281,600 | 3,947 |
| Average total loans | $39,692,600 | 4,314 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5838% | 4,055 |
| Cost of funding earning assets | 0.5191% | 3,116 |
| Net interest margin | 3.0646% | 3,827 |
| Noninterest income to average assets | 0.1545% | 4,521 |
| Noninterest expense to average assets | 1.7862% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0040% | 2,325 |
| Return on assets (ROA) | 1.0040% | 2,451 |
| Pretax return on assets | 1.2793% | 2,130 |
| Return on Equity (ROE) | 5.4948% | 3,724 |
| Retained earnings to average equity (ytd only) | 5.4948% | 2,327 |
| Net charge-offs to loans | -0.0032% | 3,963 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2687% | 3,630 |
| Assets per employee ($millions) | 7.8399% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 679 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 55.2063% | 3,690 |
| Net loans and leases to deposits | 67.7832% | 3,485 |
| Net loans and leases to core deposits | 71.4262% | 3,525 |
| Total domestic deposits to total assets | 81.4453% | 3,552 |
| Equity capital to assets | 17.7965% | 317 |
| Core capital (leverage) ratio | 18.2642% | 265 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5209% | 211 |
| Memoranda: | ||
| Average total assets | $67,327,500 | 4,435 |
| Average earning assets | $63,953,750 | 4,404 |
| Average equity | $12,302,250 | 3,951 |
| Average total loans | $41,086,500 | 4,318 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7563% | 3,972 |
| Cost of funding earning assets | 0.5443% | 3,269 |
| Net interest margin | 3.2119% | 3,639 |
| Noninterest income to average assets | 0.1177% | 4,710 |
| Noninterest expense to average assets | 1.7751% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0928% | 1,992 |
| Return on assets (ROA) | 1.0928% | 2,113 |
| Pretax return on assets | 1.3887% | 1,750 |
| Return on Equity (ROE) | 5.9260% | 3,539 |
| Retained earnings to average equity (ytd only) | 5.9260% | 2,114 |
| Net charge-offs to loans | -0.0048% | 4,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1069% | 3,929 |
| Assets per employee ($millions) | 7.5266% | 1,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6977% | 816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 62.0588% | 3,120 |
| Net loans and leases to deposits | 76.9405% | 2,764 |
| Net loans and leases to core deposits | 81.2831% | 2,840 |
| Total domestic deposits to total assets | 80.6581% | 3,693 |
| Equity capital to assets | 18.3247% | 276 |
| Core capital (leverage) ratio | 17.5608% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1166% | 239 |
| Memoranda: | ||
| Average total assets | $66,250,333 | 4,454 |
| Average earning assets | $62,828,000 | 4,428 |
| Average equity | $12,217,333 | 3,961 |
| Average total loans | $41,555,667 | 4,322 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9496% | 3,933 |
| Cost of funding earning assets | 0.5918% | 3,476 |
| Net interest margin | 3.3578% | 3,428 |
| Noninterest income to average assets | 0.0794% | 4,895 |
| Noninterest expense to average assets | 1.9601% | 4,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0259% | 2,091 |
| Return on assets (ROA) | 1.0259% | 2,189 |
| Pretax return on assets | 1.3068% | 1,854 |
| Return on Equity (ROE) | 5.5448% | 3,464 |
| Retained earnings to average equity (ytd only) | 5.5448% | 2,050 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 3,738 |
| Assets per employee ($millions) | 7.2433% | 983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 738 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 61.4082% | 3,359 |
| Net loans and leases to deposits | 76.3212% | 3,039 |
| Net loans and leases to core deposits | 80.3001% | 3,171 |
| Total domestic deposits to total assets | 80.4602% | 3,766 |
| Equity capital to assets | 18.7498% | 308 |
| Core capital (leverage) ratio | 18.6092% | 306 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7545% | 267 |
| Memoranda: | ||
| Average total assets | $65,506,000 | 4,475 |
| Average earning assets | $62,183,000 | 4,450 |
| Average equity | $12,119,500 | 3,985 |
| Average total loans | $40,951,500 | 4,352 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0493% | 4,149 |
| Cost of funding earning assets | 0.6324% | 3,498 |
| Net interest margin | 3.4170% | 3,693 |
| Noninterest income to average assets | 0.1664% | 4,659 |
| Noninterest expense to average assets | 2.1070% | 4,353 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0201% | 2,770 |
| Return on assets (ROA) | 1.0201% | 2,857 |
| Pretax return on assets | 1.2860% | 2,553 |
| Return on Equity (ROE) | 5.4328% | 4,092 |
| Retained earnings to average equity (ytd only) | 1.4245% | 4,231 |
| Net charge-offs to loans | -0.0050% | 4,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0990% | 3,364 |
| Assets per employee ($millions) | 7.3136% | 930 |
| Cash dividends to net income (ytd only)* | 73.7805% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7620% | 703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 61.4096% | 3,460 |
| Net loans and leases to deposits | 75.7771% | 3,203 |
| Net loans and leases to core deposits | 79.6238% | 3,328 |
| Total domestic deposits to total assets | 81.0398% | 3,762 |
| Equity capital to assets | 18.2553% | 348 |
| Core capital (leverage) ratio | 18.7475% | 288 |
| Tier 1 risk-based capital ratio | 28.7933% | 524 |
| Total risk-based capital ratio | 30.0487% | 513 |
| Memoranda: | ||
| Average total assets | $64,308,000 | 4,527 |
| Average earning assets | $60,725,800 | 4,497 |
| Average equity | $12,074,800 | 3,991 |
| Average total loans | $40,366,600 | 4,393 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0932% | 4,167 |
| Cost of funding earning assets | 0.6355% | 3,513 |
| Net interest margin | 3.4577% | 3,710 |
| Noninterest income to average assets | 0.1940% | 4,559 |
| Noninterest expense to average assets | 2.0689% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1012% | 2,563 |
| Return on assets (ROA) | 1.1012% | 2,656 |
| Pretax return on assets | 1.3932% | 2,338 |
| Return on Equity (ROE) | 5.8231% | 4,098 |
| Retained earnings to average equity (ytd only) | 5.8231% | 2,449 |
| Net charge-offs to loans | -0.0033% | 4,124 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7590% | 3,689 |
| Assets per employee ($millions) | 6.9219% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8482% | 611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 61.7205% | 3,520 |
| Net loans and leases to deposits | 77.8135% | 3,115 |
| Net loans and leases to core deposits | 82.0599% | 3,242 |
| Total domestic deposits to total assets | 79.3184% | 4,113 |
| Equity capital to assets | 19.8758% | 266 |
| Core capital (leverage) ratio | 19.4440% | 269 |
| Tier 1 risk-based capital ratio | 31.4731% | 437 |
| Total risk-based capital ratio | 32.7320% | 432 |
| Memoranda: | ||
| Average total assets | $63,929,500 | 4,589 |
| Average earning assets | $60,423,250 | 4,563 |
| Average equity | $12,089,500 | 4,022 |
| Average total loans | $40,171,750 | 4,458 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0638% | 4,248 |
| Cost of funding earning assets | 0.6275% | 3,517 |
| Net interest margin | 3.4363% | 3,781 |
| Noninterest income to average assets | 0.1644% | 4,768 |
| Noninterest expense to average assets | 1.9605% | 4,667 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1509% | 2,326 |
| Return on assets (ROA) | 1.1509% | 2,401 |
| Pretax return on assets | 1.4487% | 2,037 |
| Return on Equity (ROE) | 6.1875% | 3,985 |
| Retained earnings to average equity (ytd only) | 6.1875% | 2,198 |
| Net charge-offs to loans | -0.0049% | 4,119 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5068% | 4,070 |
| Assets per employee ($millions) | 6.3292% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.4706% | 3,605 |
| Net loans and leases to deposits | 76.8210% | 3,259 |
| Net loans and leases to core deposits | 79.8580% | 3,435 |
| Total domestic deposits to total assets | 80.0180% | 4,035 |
| Equity capital to assets | 19.2947% | 279 |
| Core capital (leverage) ratio | 18.9766% | 279 |
| Tier 1 risk-based capital ratio | 31.3688% | 443 |
| Total risk-based capital ratio | 32.6268% | 436 |
| Memoranda: | ||
| Average total assets | $64,473,670 | 4,619 |
| Average earning assets | $60,879,000 | 4,586 |
| Average equity | $11,992,000 | 4,050 |
| Average total loans | $40,504,330 | 4,484 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 4,318 |
| Cost of funding earning assets | 0.6162% | 3,485 |
| Net interest margin | 3.4089% | 3,867 |
| Noninterest income to average assets | 0.1475% | 4,858 |
| Noninterest expense to average assets | 1.9796% | 4,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0820% | 2,540 |
| Return on assets (ROA) | 1.0820% | 2,583 |
| Pretax return on assets | 1.3648% | 2,214 |
| Return on Equity (ROE) | 5.9249% | 4,045 |
| Retained earnings to average equity (ytd only) | 5.9249% | 2,485 |
| Net charge-offs to loans | -0.0098% | 4,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1912% | 3,925 |
| Assets per employee ($millions) | 6.3646% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8012% | 708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 62.0180% | 3,499 |
| Net loans and leases to deposits | 77.0020% | 3,164 |
| Net loans and leases to core deposits | 81.1496% | 3,257 |
| Total domestic deposits to total assets | 80.5408% | 4,066 |
| Equity capital to assets | 18.8307% | 293 |
| Core capital (leverage) ratio | 18.4291% | 310 |
| Tier 1 risk-based capital ratio | 30.4242% | 461 |
| Total risk-based capital ratio | 31.6818% | 449 |
| Memoranda: | ||
| Average total assets | $65,064,500 | 4,658 |
| Average earning assets | $61,016,500 | 4,633 |
| Average equity | $11,882,000 | 4,073 |
| Average total loans | $40,941,500 | 4,515 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7897% | 4,513 |
| Cost of funding earning assets | 0.5322% | 3,165 |
| Net interest margin | 3.2575% | 4,361 |
| Noninterest income to average assets | 0.0622% | 5,242 |
| Noninterest expense to average assets | 1.9606% | 4,807 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.9543% | 3,204 |
| Return on assets (ROA) | 0.9543% | 3,207 |
| Pretax return on assets | 1.1813% | 2,960 |
| Return on Equity (ROE) | 5.5726% | 4,300 |
| Retained earnings to average equity (ytd only) | 1.5705% | 4,508 |
| Net charge-offs to loans | -0.0024% | 4,253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4022% | 3,454 |
| Assets per employee ($millions) | 6.6483% | 1,143 |
| Cash dividends to net income (ytd only)* | 71.8182% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7344% | 780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 61.6158% | 3,605 |
| Net loans and leases to deposits | 75.3555% | 3,400 |
| Net loans and leases to core deposits | 79.6763% | 3,453 |
| Total domestic deposits to total assets | 81.7668% | 3,702 |
| Equity capital to assets | 17.7173% | 364 |
| Core capital (leverage) ratio | 17.8491% | 345 |
| Tier 1 risk-based capital ratio | 28.3345% | 544 |
| Total risk-based capital ratio | 29.5904% | 538 |
| Memoranda: | ||
| Average total assets | $69,161,600 | 4,595 |
| Average earning assets | $65,387,000 | 4,569 |
| Average equity | $11,843,600 | 4,047 |
| Average total loans | $42,156,200 | 4,493 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7410% | 4,565 |
| Cost of funding earning assets | 0.5028% | 3,180 |
| Net interest margin | 3.2382% | 4,434 |
| Noninterest income to average assets | 0.0496% | 5,340 |
| Noninterest expense to average assets | 1.9322% | 4,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9642% | 3,245 |
| Return on assets (ROA) | 0.9642% | 3,258 |
| Pretax return on assets | 1.1914% | 3,022 |
| Return on Equity (ROE) | 5.6774% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.6774% | 2,837 |
| Net charge-offs to loans | -0.0031% | 4,143 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8582% | 3,534 |
| Assets per employee ($millions) | 6.4811% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6942% | 884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 64.7298% | 3,343 |
| Net loans and leases to deposits | 80.0657% | 3,036 |
| Net loans and leases to core deposits | 83.5647% | 3,191 |
| Total domestic deposits to total assets | 80.8458% | 3,906 |
| Equity capital to assets | 18.6296% | 288 |
| Core capital (leverage) ratio | 18.3729% | 304 |
| Tier 1 risk-based capital ratio | 28.5301% | 540 |
| Total risk-based capital ratio | 29.7850% | 533 |
| Memoranda: | ||
| Average total assets | $69,831,250 | 4,629 |
| Average earning assets | $66,290,250 | 4,605 |
| Average equity | $11,859,750 | 4,087 |
| Average total loans | $42,273,500 | 4,536 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6593% | 4,668 |
| Cost of funding earning assets | 0.4822% | 3,148 |
| Net interest margin | 3.1772% | 4,558 |
| Noninterest income to average assets | 0.0531% | 5,395 |
| Noninterest expense to average assets | 1.8153% | 5,076 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0041% | 2,998 |
| Return on assets (ROA) | 1.0041% | 2,998 |
| Pretax return on assets | 1.2419% | 2,760 |
| Return on Equity (ROE) | 6.0908% | 4,196 |
| Retained earnings to average equity (ytd only) | 6.0908% | 2,500 |
| Net charge-offs to loans | -0.0047% | 4,087 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3779% | 4,028 |
| Assets per employee ($millions) | 6.9544% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 58.8836% | 3,911 |
| Net loans and leases to deposits | 71.5009% | 3,749 |
| Net loans and leases to core deposits | 74.3437% | 3,858 |
| Total domestic deposits to total assets | 82.3536% | 3,612 |
| Equity capital to assets | 17.1733% | 390 |
| Core capital (leverage) ratio | 17.1281% | 381 |
| Tier 1 risk-based capital ratio | 28.7767% | 529 |
| Total risk-based capital ratio | 30.0338% | 522 |
| Memoranda: | ||
| Average total assets | $71,504,670 | 4,658 |
| Average earning assets | $67,607,670 | 4,628 |
| Average equity | $11,788,330 | 4,120 |
| Average total loans | $42,139,670 | 4,582 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6082% | 4,688 |
| Cost of funding earning assets | 0.4466% | 3,227 |
| Net interest margin | 3.1616% | 4,575 |
| Noninterest income to average assets | 0.0717% | 5,423 |
| Noninterest expense to average assets | 1.8155% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9933% | 2,876 |
| Return on assets (ROA) | 0.9933% | 2,899 |
| Pretax return on assets | 1.2251% | 2,662 |
| Return on Equity (ROE) | 6.1481% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.1481% | 2,645 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7096% | 4,101 |
| Assets per employee ($millions) | 7.0973% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7021% | 941 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 58.7505% | 3,878 |
| Net loans and leases to deposits | 70.8687% | 3,715 |
| Net loans and leases to core deposits | 73.6085% | 3,851 |
| Total domestic deposits to total assets | 82.9005% | 3,701 |
| Equity capital to assets | 16.5936% | 429 |
| Core capital (leverage) ratio | 16.4927% | 432 |
| Tier 1 risk-based capital ratio | 27.9741% | 560 |
| Total risk-based capital ratio | 29.2313% | 557 |
| Memoranda: | ||
| Average total assets | $72,485,000 | 4,699 |
| Average earning assets | $68,067,500 | 4,679 |
| Average equity | $11,711,000 | 4,165 |
| Average total loans | $42,373,000 | 4,628 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4929% | 4,799 |
| Cost of funding earning assets | 0.4489% | 2,788 |
| Net interest margin | 3.0440% | 4,798 |
| Noninterest income to average assets | 0.0705% | 5,484 |
| Noninterest expense to average assets | 1.7253% | 5,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9237% | 2,578 |
| Return on assets (ROA) | 0.9237% | 2,606 |
| Pretax return on assets | 1.1099% | 3,142 |
| Return on Equity (ROE) | 6.2872% | 3,632 |
| Retained earnings to average equity (ytd only) | 2.3127% | 3,936 |
| Net charge-offs to loans | -0.0046% | 4,625 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8522% | 4,133 |
| Assets per employee ($millions) | 7.3997% | 810 |
| Cash dividends to net income (ytd only)* | 63.2153% | 1,600 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7058% | 938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 56.2253% | 4,168 |
| Net loans and leases to deposits | 67.0875% | 4,097 |
| Net loans and leases to core deposits | 69.5352% | 4,202 |
| Total domestic deposits to total assets | 83.8088% | 3,277 |
| Equity capital to assets | 15.7371% | 550 |
| Core capital (leverage) ratio | 14.8413% | 649 |
| Tier 1 risk-based capital ratio | 26.6661% | 612 |
| Total risk-based capital ratio | 27.9219% | 603 |
| Memoranda: | ||
| Average total assets | $79,465,800 | 4,601 |
| Average earning assets | $72,175,800 | 4,617 |
| Average equity | $11,674,600 | 4,193 |
| Average total loans | $43,257,600 | 4,631 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4247% | 4,931 |
| Cost of funding earning assets | 0.4406% | 2,805 |
| Net interest margin | 2.9841% | 4,953 |
| Noninterest income to average assets | 0.0627% | 5,575 |
| Noninterest expense to average assets | 1.6577% | 5,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8346% | 3,361 |
| Return on assets (ROA) | 0.8346% | 3,401 |
| Pretax return on assets | 1.1084% | 3,272 |
| Return on Equity (ROE) | 5.7751% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.7751% | 2,388 |
| Net charge-offs to loans | -0.0061% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9284% | 4,230 |
| Assets per employee ($millions) | 7.4798% | 771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6191% | 1,194 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 58.6526% | 4,001 |
| Net loans and leases to deposits | 72.7570% | 3,695 |
| Net loans and leases to core deposits | 75.4861% | 3,844 |
| Total domestic deposits to total assets | 80.6145% | 4,168 |
| Equity capital to assets | 15.9523% | 551 |
| Core capital (leverage) ratio | 15.4876% | 580 |
| Tier 1 risk-based capital ratio | 26.0866% | 668 |
| Total risk-based capital ratio | 27.3412% | 659 |
| Memoranda: | ||
| Average total assets | $80,833,000 | 4,619 |
| Average earning assets | $73,230,000 | 4,641 |
| Average equity | $11,682,000 | 4,235 |
| Average total loans | $43,490,250 | 4,673 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3376% | 5,047 |
| Cost of funding earning assets | 0.4362% | 2,744 |
| Net interest margin | 2.9014% | 5,095 |
| Noninterest income to average assets | 0.0604% | 5,621 |
| Noninterest expense to average assets | 1.5813% | 5,507 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8039% | 3,383 |
| Return on assets (ROA) | 0.8039% | 3,441 |
| Pretax return on assets | 1.0646% | 3,319 |
| Return on Equity (ROE) | 5.7420% | 4,161 |
| Retained earnings to average equity (ytd only) | 5.7420% | 2,267 |
| Net charge-offs to loans | -0.0046% | 4,325 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7628% | 4,348 |
| Assets per employee ($millions) | 7.9500% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6571% | 1,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 53.8239% | 4,404 |
| Net loans and leases to deposits | 63.5715% | 4,396 |
| Net loans and leases to core deposits | 65.6963% | 4,489 |
| Total domestic deposits to total assets | 84.6667% | 2,953 |
| Equity capital to assets | 14.8013% | 739 |
| Core capital (leverage) ratio | 14.5597% | 729 |
| Tier 1 risk-based capital ratio | 25.5738% | 698 |
| Total risk-based capital ratio | 26.8286% | 689 |
| Memoranda: | ||
| Average total assets | $82,844,670 | 4,610 |
| Average earning assets | $73,825,330 | 4,660 |
| Average equity | $11,598,670 | 4,256 |
| Average total loans | $43,122,670 | 4,712 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2634% | 5,158 |
| Cost of funding earning assets | 0.4039% | 2,957 |
| Net interest margin | 2.8595% | 5,151 |
| Noninterest income to average assets | 0.0757% | 5,658 |
| Noninterest expense to average assets | 1.5997% | 5,559 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8850% | 2,836 |
| Return on assets (ROA) | 0.8850% | 2,885 |
| Pretax return on assets | 0.9892% | 3,411 |
| Return on Equity (ROE) | 6.4962% | 3,667 |
| Retained earnings to average equity (ytd only) | 6.4962% | 2,082 |
| Net charge-offs to loans | -0.0093% | 4,391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7916% | 4,182 |
| Assets per employee ($millions) | 8.5512% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7056% | 1,129 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 48.5920% | 4,779 |
| Net loans and leases to deposits | 56.6080% | 4,780 |
| Net loans and leases to core deposits | 58.3382% | 4,862 |
| Total domestic deposits to total assets | 85.8394% | 2,747 |
| Equity capital to assets | 13.5841% | 1,039 |
| Core capital (leverage) ratio | 14.0957% | 818 |
| Tier 1 risk-based capital ratio | 25.8566% | 697 |
| Total risk-based capital ratio | 27.1122% | 683 |
| Memoranda: | ||
| Average total assets | $84,517,000 | 4,632 |
| Average earning assets | $74,279,000 | 4,698 |
| Average equity | $11,514,500 | 4,305 |
| Average total loans | $42,928,500 | 4,753 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3837% | 5,014 |
| Cost of funding earning assets | 0.3565% | 3,451 |
| Net interest margin | 3.0272% | 4,903 |
| Noninterest income to average assets | 0.0662% | 5,736 |
| Noninterest expense to average assets | 1.6866% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8344% | 3,129 |
| Return on assets (ROA) | 0.8344% | 3,244 |
| Pretax return on assets | 1.1057% | 3,082 |
| Return on Equity (ROE) | 5.6730% | 4,129 |
| Retained earnings to average equity (ytd only) | 1.7409% | 4,535 |
| Net charge-offs to loans | -0.0023% | 4,720 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4015% | 4,523 |
| Assets per employee ($millions) | 8.3522% | 524 |
| Cash dividends to net income (ytd only)* | 69.3130% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 1,249 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 51.3206% | 4,664 |
| Net loans and leases to deposits | 59.8275% | 4,679 |
| Net loans and leases to core deposits | 61.3992% | 4,784 |
| Total domestic deposits to total assets | 85.7810% | 2,687 |
| Equity capital to assets | 13.6647% | 991 |
| Core capital (leverage) ratio | 14.2098% | 761 |
| Tier 1 risk-based capital ratio | 24.5417% | 811 |
| Total risk-based capital ratio | 25.7962% | 795 |
| Memoranda: | ||
| Average total assets | $78,502,800 | 4,755 |
| Average earning assets | $70,691,600 | 4,786 |
| Average equity | $11,546,000 | 4,330 |
| Average total loans | $42,845,400 | 4,787 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3915% | 5,044 |
| Cost of funding earning assets | 0.3461% | 3,574 |
| Net interest margin | 3.0453% | 4,912 |
| Noninterest income to average assets | 0.0639% | 5,801 |
| Noninterest expense to average assets | 1.6552% | 5,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8872% | 2,970 |
| Return on assets (ROA) | 0.8872% | 3,105 |
| Pretax return on assets | 1.1875% | 2,884 |
| Return on Equity (ROE) | 5.9185% | 4,105 |
| Retained earnings to average equity (ytd only) | 5.9185% | 2,225 |
| Net charge-offs to loans | -0.0031% | 4,535 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2271% | 4,783 |
| Assets per employee ($millions) | 7.8520% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 1,236 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 53.2030% | 4,563 |
| Net loans and leases to deposits | 63.1424% | 4,549 |
| Net loans and leases to core deposits | 65.2724% | 4,653 |
| Total domestic deposits to total assets | 84.2588% | 3,120 |
| Equity capital to assets | 15.0637% | 730 |
| Core capital (leverage) ratio | 15.4049% | 569 |
| Tier 1 risk-based capital ratio | 25.1616% | 799 |
| Total risk-based capital ratio | 26.4153% | 781 |
| Memoranda: | ||
| Average total assets | $77,248,000 | 4,829 |
| Average earning assets | $70,488,500 | 4,832 |
| Average equity | $11,579,250 | 4,360 |
| Average total loans | $42,660,750 | 4,840 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3897% | 5,102 |
| Cost of funding earning assets | 0.3429% | 3,641 |
| Net interest margin | 3.0467% | 4,982 |
| Noninterest income to average assets | 0.0651% | 5,873 |
| Noninterest expense to average assets | 1.6844% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8903% | 2,911 |
| Return on assets (ROA) | 0.8903% | 3,038 |
| Pretax return on assets | 1.1793% | 2,861 |
| Return on Equity (ROE) | 5.9497% | 4,074 |
| Retained earnings to average equity (ytd only) | 5.9497% | 2,142 |
| Net charge-offs to loans | -0.0047% | 4,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8182% | 4,791 |
| Assets per employee ($millions) | 7.4994% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 1,273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 55.4778% | 4,363 |
| Net loans and leases to deposits | 66.2236% | 4,331 |
| Net loans and leases to core deposits | 68.5782% | 4,432 |
| Total domestic deposits to total assets | 83.7734% | 3,356 |
| Equity capital to assets | 15.5692% | 612 |
| Core capital (leverage) ratio | 15.1575% | 584 |
| Tier 1 risk-based capital ratio | 25.3625% | 783 |
| Total risk-based capital ratio | 26.6166% | 762 |
| Memoranda: | ||
| Average total assets | $76,824,000 | 4,879 |
| Average earning assets | $70,567,000 | 4,867 |
| Average equity | $11,496,330 | 4,397 |
| Average total loans | $42,716,000 | 4,871 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4259% | 5,060 |
| Cost of funding earning assets | 0.3460% | 3,645 |
| Net interest margin | 3.0799% | 4,921 |
| Noninterest income to average assets | 0.0720% | 5,899 |
| Noninterest expense to average assets | 1.6671% | 5,774 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9056% | 2,726 |
| Return on assets (ROA) | 0.9056% | 2,850 |
| Pretax return on assets | 1.1989% | 2,705 |
| Return on Equity (ROE) | 6.1719% | 3,893 |
| Retained earnings to average equity (ytd only) | 6.1719% | 2,297 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1688% | 4,976 |
| Assets per employee ($millions) | 7.5260% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6872% | 1,392 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 55.6683% | 4,294 |
| Net loans and leases to deposits | 66.3090% | 4,226 |
| Net loans and leases to core deposits | 68.6527% | 4,344 |
| Total domestic deposits to total assets | 83.9530% | 3,538 |
| Equity capital to assets | 15.3003% | 636 |
| Core capital (leverage) ratio | 14.7153% | 661 |
| Tier 1 risk-based capital ratio | 24.6142% | 853 |
| Total risk-based capital ratio | 25.8686% | 832 |
| Memoranda: | ||
| Average total assets | $77,739,000 | 4,903 |
| Average earning assets | $70,521,500 | 4,909 |
| Average equity | $11,406,500 | 4,430 |
| Average total loans | $42,911,500 | 4,905 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3177% | 5,312 |
| Cost of funding earning assets | 0.3124% | 4,106 |
| Net interest margin | 3.0053% | 5,126 |
| Noninterest income to average assets | 0.0847% | 5,914 |
| Noninterest expense to average assets | 1.7748% | 5,772 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8470% | 3,127 |
| Return on assets (ROA) | 0.8470% | 3,196 |
| Pretax return on assets | 1.0803% | 3,153 |
| Return on Equity (ROE) | 5.7114% | 4,182 |
| Retained earnings to average equity (ytd only) | 1.8101% | 4,697 |
| Net charge-offs to loans | -0.0024% | 4,892 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1634% | 4,581 |
| Assets per employee ($millions) | 8.0218% | 549 |
| Cash dividends to net income (ytd only)* | 68.3077% | 1,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6640% | 1,442 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 52.9669% | 4,605 |
| Net loans and leases to deposits | 62.1430% | 4,624 |
| Net loans and leases to core deposits | 64.1634% | 4,733 |
| Total domestic deposits to total assets | 85.2340% | 2,983 |
| Equity capital to assets | 14.0841% | 905 |
| Core capital (leverage) ratio | 14.5364% | 702 |
| Tier 1 risk-based capital ratio | 23.6393% | 943 |
| Total risk-based capital ratio | 24.8926% | 936 |
| Memoranda: | ||
| Average total assets | $76,741,400 | 4,934 |
| Average earning assets | $70,742,200 | 4,919 |
| Average equity | $11,380,800 | 4,411 |
| Average total loans | $41,360,800 | 4,953 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3083% | 5,393 |
| Cost of funding earning assets | 0.3127% | 4,189 |
| Net interest margin | 2.9955% | 5,201 |
| Noninterest income to average assets | 0.0773% | 6,020 |
| Noninterest expense to average assets | 1.7714% | 5,820 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8523% | 3,162 |
| Return on assets (ROA) | 0.8523% | 3,249 |
| Pretax return on assets | 1.1001% | 3,229 |
| Return on Equity (ROE) | 5.6716% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.6716% | 2,477 |
| Net charge-offs to loans | -0.0033% | 4,760 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6891% | 4,616 |
| Assets per employee ($millions) | 7.3269% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7461% | 1,369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 55.2184% | 4,441 |
| Net loans and leases to deposits | 66.1998% | 4,369 |
| Net loans and leases to core deposits | 68.6147% | 4,488 |
| Total domestic deposits to total assets | 83.4118% | 3,651 |
| Equity capital to assets | 15.8457% | 584 |
| Core capital (leverage) ratio | 14.7161% | 694 |
| Tier 1 risk-based capital ratio | 25.0509% | 852 |
| Total risk-based capital ratio | 26.3051% | 841 |
| Memoranda: | ||
| Average total assets | $75,872,250 | 5,007 |
| Average earning assets | $70,770,500 | 4,980 |
| Average equity | $11,401,500 | 4,459 |
| Average total loans | $40,899,000 | 5,027 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2793% | 5,478 |
| Cost of funding earning assets | 0.3111% | 4,266 |
| Net interest margin | 2.9682% | 5,294 |
| Noninterest income to average assets | 0.0860% | 6,069 |
| Noninterest expense to average assets | 1.7097% | 5,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8757% | 3,013 |
| Return on assets (ROA) | 0.8757% | 3,121 |
| Pretax return on assets | 1.1363% | 3,024 |
| Return on Equity (ROE) | 5.9301% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.9301% | 2,286 |
| Net charge-offs to loans | -0.0049% | 4,733 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0733% | 4,968 |
| Assets per employee ($millions) | 6.7477% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7587% | 1,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 54.1098% | 4,541 |
| Net loans and leases to deposits | 64.5106% | 4,487 |
| Net loans and leases to core deposits | 66.0989% | 4,643 |
| Total domestic deposits to total assets | 83.8774% | 3,623 |
| Equity capital to assets | 15.4530% | 616 |
| Core capital (leverage) ratio | 14.8998% | 632 |
| Tier 1 risk-based capital ratio | 26.0505% | 776 |
| Total risk-based capital ratio | 27.3050% | 761 |
| Memoranda: | ||
| Average total assets | $76,740,000 | 5,040 |
| Average earning assets | $71,356,000 | 5,015 |
| Average equity | $11,332,000 | 4,501 |
| Average total loans | $40,806,330 | 5,076 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2669% | 5,522 |
| Cost of funding earning assets | 0.3228% | 4,192 |
| Net interest margin | 2.9441% | 5,363 |
| Noninterest income to average assets | 0.0872% | 6,132 |
| Noninterest expense to average assets | 1.8103% | 5,883 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7795% | 3,367 |
| Return on assets (ROA) | 0.7795% | 3,501 |
| Pretax return on assets | 0.9898% | 3,546 |
| Return on Equity (ROE) | 5.3982% | 4,333 |
| Retained earnings to average equity (ytd only) | 5.3982% | 2,838 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6520% | 4,370 |
| Assets per employee ($millions) | 6.8595% | 911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7783% | 1,541 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 52.5572% | 4,605 |
| Net loans and leases to deposits | 62.2999% | 4,548 |
| Net loans and leases to core deposits | 63.8003% | 4,715 |
| Total domestic deposits to total assets | 84.3615% | 3,669 |
| Equity capital to assets | 15.0169% | 713 |
| Core capital (leverage) ratio | 13.3627% | 1,027 |
| Tier 1 risk-based capital ratio | 25.5384% | 828 |
| Total risk-based capital ratio | 26.7932% | 810 |
| Memoranda: | ||
| Average total assets | $77,997,500 | 5,074 |
| Average earning assets | $71,873,000 | 5,052 |
| Average equity | $11,263,000 | 4,550 |
| Average total loans | $40,768,500 | 5,115 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0373% | 6,020 |
| Cost of funding earning assets | 0.3247% | 4,541 |
| Net interest margin | 2.7126% | 5,920 |
| Noninterest income to average assets | 0.0917% | 6,190 |
| Noninterest expense to average assets | 1.6993% | 6,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7580% | 3,584 |
| Return on assets (ROA) | 0.7580% | 3,687 |
| Pretax return on assets | 0.9376% | 3,750 |
| Return on Equity (ROE) | 5.4619% | 4,426 |
| Retained earnings to average equity (ytd only) | 1.5797% | 5,040 |
| Net charge-offs to loans | -0.0156% | 5,654 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4434% | 4,521 |
| Assets per employee ($millions) | 7.3218% | 711 |
| Cash dividends to net income (ytd only)* | 71.0784% | 1,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7443% | 1,668 |
| Loan loss allowance to noncurrent loans | 2,475.8621% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,894 |
| Noncurrent loans to loans | 0.0705% | 5,597 |
| Net loans and leases to total assets | 50.2160% | 4,949 |
| Net loans and leases to deposits | 58.6987% | 5,009 |
| Net loans and leases to core deposits | 60.0006% | 5,141 |
| Total domestic deposits to total assets | 85.5488% | 3,054 |
| Equity capital to assets | 13.8999% | 995 |
| Core capital (leverage) ratio | 13.8641% | 849 |
| Tier 1 risk-based capital ratio | 24.3150% | 915 |
| Total risk-based capital ratio | 25.5685% | 895 |
| Memoranda: | ||
| Average total assets | $80,741,400 | 5,046 |
| Average earning assets | $75,758,800 | 4,998 |
| Average equity | $11,204,800 | 4,524 |
| Average total loans | $38,565,000 | 5,230 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9805% | 6,153 |
| Cost of funding earning assets | 0.3240% | 4,629 |
| Net interest margin | 2.6565% | 6,061 |
| Noninterest income to average assets | 0.0974% | 6,254 |
| Noninterest expense to average assets | 1.7229% | 6,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7278% | 3,798 |
| Return on assets (ROA) | 0.7278% | 3,900 |
| Pretax return on assets | 0.8912% | 4,028 |
| Return on Equity (ROE) | 5.2465% | 4,603 |
| Retained earnings to average equity (ytd only) | 5.2465% | 2,921 |
| Net charge-offs to loans | -0.0141% | 5,518 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9091% | 4,226 |
| Assets per employee ($millions) | 7.0015% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 1,605 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 3,980 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.6364% | 5,044 |
| Net loans and leases to deposits | 58.7166% | 5,043 |
| Net loans and leases to core deposits | 60.0937% | 5,180 |
| Total domestic deposits to total assets | 84.5357% | 3,532 |
| Equity capital to assets | 14.8593% | 764 |
| Core capital (leverage) ratio | 13.8570% | 881 |
| Tier 1 risk-based capital ratio | 25.4749% | 835 |
| Total risk-based capital ratio | 26.7301% | 824 |
| Memoranda: | ||
| Average total assets | $80,791,750 | 5,100 |
| Average earning assets | $76,540,250 | 5,022 |
| Average equity | $11,207,250 | 4,549 |
| Average total loans | $37,915,750 | 5,304 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8824% | 6,268 |
| Cost of funding earning assets | 0.3186% | 4,775 |
| Net interest margin | 2.5639% | 6,212 |
| Noninterest income to average assets | 0.0999% | 6,285 |
| Noninterest expense to average assets | 1.6405% | 6,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7434% | 3,605 |
| Return on assets (ROA) | 0.7434% | 3,709 |
| Pretax return on assets | 0.9116% | 3,837 |
| Return on Equity (ROE) | 5.4815% | 4,439 |
| Retained earnings to average equity (ytd only) | 5.4815% | 2,644 |
| Net charge-offs to loans | -0.0106% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2789% | 4,650 |
| Assets per employee ($millions) | 6.9794% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8751% | 1,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 4,114 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.6682% | 5,117 |
| Net loans and leases to deposits | 57.4089% | 5,089 |
| Net loans and leases to core deposits | 58.7540% | 5,219 |
| Total domestic deposits to total assets | 84.7746% | 3,613 |
| Equity capital to assets | 14.7278% | 769 |
| Core capital (leverage) ratio | 13.9461% | 849 |
| Tier 1 risk-based capital ratio | 25.9096% | 785 |
| Total risk-based capital ratio | 27.1644% | 765 |
| Memoranda: | ||
| Average total assets | $82,050,330 | 5,109 |
| Average earning assets | $78,475,330 | 5,012 |
| Average equity | $11,128,330 | 4,575 |
| Average total loans | $37,573,000 | 5,353 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7555% | 6,423 |
| Cost of funding earning assets | 0.3072% | 4,993 |
| Net interest margin | 2.4482% | 6,378 |
| Noninterest income to average assets | 0.1039% | 6,316 |
| Noninterest expense to average assets | 1.7145% | 6,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6424% | 3,985 |
| Return on assets (ROA) | 0.6424% | 4,075 |
| Pretax return on assets | 0.7604% | 4,272 |
| Return on Equity (ROE) | 4.9280% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.9280% | 3,154 |
| Net charge-offs to loans | -0.0107% | 5,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2748% | 3,950 |
| Assets per employee ($millions) | 7.2717% | 699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 1,780 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5938% | 4,371 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 46.2389% | 5,312 |
| Net loans and leases to deposits | 54.0818% | 5,280 |
| Net loans and leases to core deposits | 55.2863% | 5,416 |
| Total domestic deposits to total assets | 85.4980% | 3,611 |
| Equity capital to assets | 13.9532% | 936 |
| Core capital (leverage) ratio | 13.3920% | 1,008 |
| Tier 1 risk-based capital ratio | 25.4350% | 843 |
| Total risk-based capital ratio | 26.6906% | 825 |
| Memoranda: | ||
| Average total assets | $84,689,000 | 5,096 |
| Average earning assets | $82,019,000 | 4,976 |
| Average equity | $11,039,000 | 4,602 |
| Average total loans | $37,320,500 | 5,414 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0287% | 6,316 |
| Cost of funding earning assets | 0.3788% | 4,849 |
| Net interest margin | 2.6500% | 6,202 |
| Noninterest income to average assets | 0.0684% | 6,489 |
| Noninterest expense to average assets | 1.5429% | 6,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8175% | 3,202 |
| Return on assets (ROA) | 0.8175% | 3,299 |
| Pretax return on assets | 0.9979% | 3,358 |
| Return on Equity (ROE) | 5.9612% | 4,108 |
| Retained earnings to average equity (ytd only) | 2.1504% | 4,713 |
| Net charge-offs to loans | -0.0196% | 6,139 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7248% | 5,386 |
| Assets per employee ($millions) | 8.1263% | 448 |
| Cash dividends to net income (ytd only)* | 63.9269% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9273% | 1,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5314% | 4,640 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 40.5307% | 5,923 |
| Net loans and leases to deposits | 46.4071% | 5,982 |
| Net loans and leases to core deposits | 47.3094% | 6,076 |
| Total domestic deposits to total assets | 87.3374% | 2,558 |
| Equity capital to assets | 12.2129% | 1,675 |
| Core capital (leverage) ratio | 14.1253% | 795 |
| Tier 1 risk-based capital ratio | 24.7056% | 886 |
| Total risk-based capital ratio | 25.9611% | 873 |
| Memoranda: | ||
| Average total assets | $80,369,400 | 5,229 |
| Average earning assets | $74,982,400 | 5,175 |
| Average equity | $11,021,200 | 4,632 |
| Average total loans | $35,676,800 | 5,508 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1387% | 6,270 |
| Cost of funding earning assets | 0.4018% | 4,806 |
| Net interest margin | 2.7369% | 6,108 |
| Noninterest income to average assets | 0.1690% | 6,177 |
| Noninterest expense to average assets | 1.6710% | 6,497 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8346% | 3,167 |
| Return on assets (ROA) | 0.8346% | 3,297 |
| Pretax return on assets | 1.0207% | 3,418 |
| Return on Equity (ROE) | 5.9017% | 4,238 |
| Retained earnings to average equity (ytd only) | 5.9017% | 2,480 |
| Net charge-offs to loans | -0.0226% | 6,082 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0799% | 5,127 |
| Assets per employee ($millions) | 7.0693% | 720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 1,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 4,604 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.3350% | 5,512 |
| Net loans and leases to deposits | 54.4612% | 5,494 |
| Net loans and leases to core deposits | 55.7109% | 5,649 |
| Total domestic deposits to total assets | 85.0788% | 3,701 |
| Equity capital to assets | 14.3798% | 858 |
| Core capital (leverage) ratio | 14.3891% | 764 |
| Tier 1 risk-based capital ratio | 26.9199% | 712 |
| Total risk-based capital ratio | 28.1762% | 698 |
| Memoranda: | ||
| Average total assets | $78,114,500 | 5,336 |
| Average earning assets | $72,002,500 | 5,304 |
| Average equity | $11,047,250 | 4,677 |
| Average total loans | $35,360,500 | 5,569 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1720% | 6,262 |
| Cost of funding earning assets | 0.4158% | 4,799 |
| Net interest margin | 2.7562% | 6,087 |
| Noninterest income to average assets | 0.1406% | 6,348 |
| Noninterest expense to average assets | 1.4751% | 6,692 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9306% | 2,662 |
| Return on assets (ROA) | 0.9306% | 2,797 |
| Pretax return on assets | 1.1734% | 2,793 |
| Return on Equity (ROE) | 6.6168% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.6168% | 2,084 |
| Net charge-offs to loans | -0.0172% | 5,922 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6950% | 5,998 |
| Assets per employee ($millions) | 7.2854% | 632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 1,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6801% | 4,521 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 43.6167% | 5,775 |
| Net loans and leases to deposits | 50.7919% | 5,783 |
| Net loans and leases to core deposits | 51.7178% | 5,907 |
| Total domestic deposits to total assets | 85.8733% | 3,435 |
| Equity capital to assets | 13.7074% | 1,052 |
| Core capital (leverage) ratio | 14.3268% | 741 |
| Tier 1 risk-based capital ratio | 26.8033% | 709 |
| Total risk-based capital ratio | 28.0587% | 698 |
| Memoranda: | ||
| Average total assets | $78,232,000 | 5,367 |
| Average earning assets | $71,184,330 | 5,359 |
| Average equity | $11,002,330 | 4,719 |
| Average total loans | $34,900,000 | 5,624 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3922% | 5,959 |
| Cost of funding earning assets | 0.4460% | 4,637 |
| Net interest margin | 2.9462% | 5,717 |
| Noninterest income to average assets | 0.1605% | 6,299 |
| Noninterest expense to average assets | 1.5528% | 6,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9576% | 2,412 |
| Return on assets (ROA) | 0.9576% | 2,547 |
| Pretax return on assets | 1.2060% | 2,545 |
| Return on Equity (ROE) | 6.7206% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.7206% | 2,302 |
| Net charge-offs to loans | -0.0232% | 5,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2852% | 6,035 |
| Assets per employee ($millions) | 7.2313% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1256% | 1,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6852% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 40.9258% | 5,926 |
| Net loans and leases to deposits | 47.9327% | 5,925 |
| Net loans and leases to core deposits | 48.8183% | 6,048 |
| Total domestic deposits to total assets | 85.3817% | 3,856 |
| Equity capital to assets | 13.9332% | 1,050 |
| Core capital (leverage) ratio | 14.2514% | 728 |
| Tier 1 risk-based capital ratio | 26.8813% | 720 |
| Total risk-based capital ratio | 28.1388% | 706 |
| Memoranda: | ||
| Average total assets | $77,278,500 | 5,431 |
| Average earning assets | $68,156,000 | 5,489 |
| Average equity | $11,011,000 | 4,766 |
| Average total loans | $34,519,000 | 5,687 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5233% | 6,335 |
| Cost of funding earning assets | 0.5431% | 4,874 |
| Net interest margin | 2.9802% | 6,087 |
| Noninterest income to average assets | 0.0865% | 6,559 |
| Noninterest expense to average assets | 1.8151% | 6,605 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7462% | 3,530 |
| Return on assets (ROA) | 0.7462% | 3,772 |
| Pretax return on assets | 0.8572% | 4,077 |
| Return on Equity (ROE) | 5.2755% | 4,553 |
| Retained earnings to average equity (ytd only) | 1.5790% | 5,081 |
| Net charge-offs to loans | -0.0119% | 6,491 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9227% | 4,160 |
| Assets per employee ($millions) | 6.2511% | 1,136 |
| Cash dividends to net income (ytd only)* | 70.0692% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9705% | 2,101 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 4,664 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 46.7546% | 5,542 |
| Net loans and leases to deposits | 55.2158% | 5,528 |
| Net loans and leases to core deposits | 56.3053% | 5,696 |
| Total domestic deposits to total assets | 84.6760% | 4,001 |
| Equity capital to assets | 14.5828% | 844 |
| Core capital (leverage) ratio | 14.5689% | 658 |
| Tier 1 risk-based capital ratio | 26.1408% | 754 |
| Total risk-based capital ratio | 27.3976% | 746 |
| Memoranda: | ||
| Average total assets | $77,461,600 | 5,418 |
| Average earning assets | $67,210,400 | 5,512 |
| Average equity | $10,956,400 | 4,769 |
| Average total loans | $33,670,000 | 5,769 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5097% | 6,504 |
| Cost of funding earning assets | 0.5431% | 5,143 |
| Net interest margin | 2.9666% | 6,244 |
| Noninterest income to average assets | 0.0803% | 6,687 |
| Noninterest expense to average assets | 1.8239% | 6,649 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7275% | 3,784 |
| Return on assets (ROA) | 0.7275% | 4,034 |
| Pretax return on assets | 0.8402% | 4,336 |
| Return on Equity (ROE) | 5.1820% | 4,732 |
| Retained earnings to average equity (ytd only) | 5.1820% | 3,235 |
| Net charge-offs to loans | -0.0081% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4615% | 3,963 |
| Assets per employee ($millions) | 5.7321% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1809% | 1,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7314% | 4,851 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 42.3152% | 6,099 |
| Net loans and leases to deposits | 50.2814% | 6,086 |
| Net loans and leases to core deposits | 51.1501% | 6,230 |
| Total domestic deposits to total assets | 84.1566% | 4,146 |
| Equity capital to assets | 15.0623% | 805 |
| Core capital (leverage) ratio | 14.9469% | 616 |
| Tier 1 risk-based capital ratio | 28.9735% | 586 |
| Total risk-based capital ratio | 30.2318% | 578 |
| Memoranda: | ||
| Average total assets | $78,073,750 | 5,458 |
| Average earning assets | $67,999,750 | 5,554 |
| Average equity | $10,960,750 | 4,815 |
| Average total loans | $33,143,250 | 5,866 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4382% | 6,687 |
| Cost of funding earning assets | 0.5385% | 5,379 |
| Net interest margin | 2.8997% | 6,428 |
| Noninterest income to average assets | 0.0833% | 6,745 |
| Noninterest expense to average assets | 1.5821% | 6,946 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8529% | 3,122 |
| Return on assets (ROA) | 0.8529% | 3,396 |
| Pretax return on assets | 1.0421% | 3,550 |
| Return on Equity (ROE) | 6.2172% | 4,201 |
| Retained earnings to average equity (ytd only) | 6.2172% | 2,558 |
| Net charge-offs to loans | -0.0060% | 6,196 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2885% | 5,531 |
| Assets per employee ($millions) | 5.6948% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0844% | 2,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 4,665 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 44.5436% | 5,962 |
| Net loans and leases to deposits | 52.8257% | 5,971 |
| Net loans and leases to core deposits | 54.8611% | 6,032 |
| Total domestic deposits to total assets | 84.3219% | 4,181 |
| Equity capital to assets | 14.9933% | 791 |
| Core capital (leverage) ratio | 14.6915% | 656 |
| Tier 1 risk-based capital ratio | 27.6634% | 675 |
| Total risk-based capital ratio | 28.9212% | 659 |
| Memoranda: | ||
| Average total assets | $79,259,330 | 5,456 |
| Average earning assets | $69,454,330 | 5,543 |
| Average equity | $10,873,000 | 4,839 |
| Average total loans | $33,446,000 | 5,895 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3728% | 6,841 |
| Cost of funding earning assets | 0.5296% | 5,610 |
| Net interest margin | 2.8432% | 6,567 |
| Noninterest income to average assets | 0.0977% | 6,756 |
| Noninterest expense to average assets | 1.5732% | 7,005 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8306% | 3,250 |
| Return on assets (ROA) | 0.8306% | 3,480 |
| Pretax return on assets | 1.0162% | 3,625 |
| Return on Equity (ROE) | 6.3200% | 4,131 |
| Retained earnings to average equity (ytd only) | 6.3200% | 2,789 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7547% | 5,497 |
| Assets per employee ($millions) | 5.7582% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1567% | 1,971 |
| Loan loss allowance to noncurrent loans | 1,402.0000% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.9151% | 4,690 |
| Noncurrent loans to loans | 0.1538% | 6,374 |
| Net loans and leases to total assets | 42.4842% | 6,148 |
| Net loans and leases to deposits | 50.0000% | 6,140 |
| Net loans and leases to core deposits | 51.8928% | 6,215 |
| Total domestic deposits to total assets | 84.9685% | 4,060 |
| Equity capital to assets | 14.4718% | 870 |
| Core capital (leverage) ratio | 14.0153% | 802 |
| Tier 1 risk-based capital ratio | 28.0391% | 638 |
| Total risk-based capital ratio | 29.2971% | 623 |
| Memoranda: | ||
| Average total assets | $81,872,500 | 5,416 |
| Average earning assets | $71,750,500 | 5,503 |
| Average equity | $10,759,500 | 4,868 |
| Average total loans | $33,329,500 | 5,944 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3683% | 7,068 |
| Cost of funding earning assets | 0.6245% | 5,963 |
| Net interest margin | 2.7438% | 6,893 |
| Noninterest income to average assets | 0.1001% | 6,638 |
| Noninterest expense to average assets | 1.6816% | 7,066 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7413% | 3,289 |
| Return on assets (ROA) | 0.7413% | 3,459 |
| Pretax return on assets | 0.9134% | 3,565 |
| Return on Equity (ROE) | 5.7748% | 3,987 |
| Retained earnings to average equity (ytd only) | 1.9218% | 4,838 |
| Net charge-offs to loans | 0.0186% | 6,183 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 124.6667% | 263 |
| Efficiency ratio | 64.8000% | 4,985 |
| Assets per employee ($millions) | 6.8376% | 799 |
| Cash dividends to net income (ytd only)* | 66.7216% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0523% | 2,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7144% | 5,213 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 37.6368% | 6,661 |
| Net loans and leases to deposits | 43.0439% | 6,758 |
| Net loans and leases to core deposits | 44.3630% | 6,799 |
| Total domestic deposits to total assets | 87.4383% | 2,503 |
| Equity capital to assets | 12.0217% | 2,110 |
| Core capital (leverage) ratio | 13.5874% | 935 |
| Tier 1 risk-based capital ratio | 24.8932% | 878 |
| Total risk-based capital ratio | 26.1483% | 867 |
| Memoranda: | ||
| Average total assets | $81,888,200 | 5,409 |
| Average earning assets | $74,459,600 | 5,391 |
| Average equity | $10,511,200 | 4,903 |
| Average total loans | $32,271,400 | 6,056 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 7,136 |
| Cost of funding earning assets | 0.6614% | 5,974 |
| Net interest margin | 2.7452% | 6,950 |
| Noninterest income to average assets | 0.0998% | 6,751 |
| Noninterest expense to average assets | 1.6787% | 7,112 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7570% | 3,356 |
| Return on assets (ROA) | 0.7570% | 3,518 |
| Pretax return on assets | 0.9417% | 3,613 |
| Return on Equity (ROE) | 5.7956% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.7956% | 2,678 |
| Net charge-offs to loans | 0.0293% | 5,734 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 80.8842% | 438 |
| Efficiency ratio | 64.0635% | 5,054 |
| Assets per employee ($millions) | 5.6269% | 1,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1572% | 1,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5954% | 3,696 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 43.4040% | 6,391 |
| Net loans and leases to deposits | 51.3688% | 6,422 |
| Net loans and leases to core deposits | 52.9997% | 6,509 |
| Total domestic deposits to total assets | 84.4949% | 4,009 |
| Equity capital to assets | 14.8612% | 888 |
| Core capital (leverage) ratio | 13.6750% | 987 |
| Tier 1 risk-based capital ratio | 27.7123% | 683 |
| Total risk-based capital ratio | 28.9693% | 664 |
| Memoranda: | ||
| Average total assets | $80,138,000 | 5,499 |
| Average earning assets | $73,581,250 | 5,460 |
| Average equity | $10,467,500 | 4,927 |
| Average total loans | $31,800,250 | 6,148 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2577% | 7,267 |
| Cost of funding earning assets | 0.6583% | 6,180 |
| Net interest margin | 2.5994% | 7,122 |
| Noninterest income to average assets | 0.0994% | 6,828 |
| Noninterest expense to average assets | 1.6176% | 7,245 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7276% | 3,400 |
| Return on assets (ROA) | 0.7276% | 3,518 |
| Pretax return on assets | 0.9046% | 3,599 |
| Return on Equity (ROE) | 5.8066% | 4,060 |
| Retained earnings to average equity (ytd only) | 5.8066% | 2,539 |
| Net charge-offs to loans | -0.0190% | 6,808 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1346% | 5,212 |
| Assets per employee ($millions) | 6.7772% | 817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2408% | 1,839 |
| Loan loss allowance to noncurrent loans | 788.8889% | 456 |
| Noncurrent assets plus other real estate owned to assets | 1.3620% | 4,187 |
| Noncurrent loans to loans | 0.2840% | 6,353 |
| Net loans and leases to total assets | 35.1577% | 7,005 |
| Net loans and leases to deposits | 40.1407% | 7,060 |
| Net loans and leases to core deposits | 41.1524% | 7,097 |
| Total domestic deposits to total assets | 87.5861% | 2,419 |
| Equity capital to assets | 12.0291% | 2,067 |
| Core capital (leverage) ratio | 11.8962% | 1,675 |
| Tier 1 risk-based capital ratio | 25.4595% | 854 |
| Total risk-based capital ratio | 26.7166% | 841 |
| Memoranda: | ||
| Average total assets | $82,467,330 | 5,472 |
| Average earning assets | $76,865,000 | 5,401 |
| Average equity | $10,333,000 | 4,964 |
| Average total loans | $31,583,670 | 6,219 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 7,291 |
| Cost of funding earning assets | 0.6770% | 6,262 |
| Net interest margin | 2.6757% | 7,040 |
| Noninterest income to average assets | 0.1356% | 6,740 |
| Noninterest expense to average assets | 1.8029% | 7,134 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6830% | 3,593 |
| Return on assets (ROA) | 0.6830% | 3,660 |
| Pretax return on assets | 0.8337% | 3,773 |
| Return on Equity (ROE) | 5.3331% | 4,221 |
| Retained earnings to average equity (ytd only) | 5.3331% | 2,981 |
| Net charge-offs to loans | -0.0254% | 6,649 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3810% | 4,582 |
| Assets per employee ($millions) | 6.1518% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2663% | 1,828 |
| Loan loss allowance to noncurrent loans | 958.1081% | 396 |
| Noncurrent assets plus other real estate owned to assets | 1.4805% | 4,034 |
| Noncurrent loans to loans | 0.2365% | 6,512 |
| Net loans and leases to total assets | 38.2312% | 6,891 |
| Net loans and leases to deposits | 44.0670% | 6,953 |
| Net loans and leases to core deposits | 45.9526% | 6,975 |
| Total domestic deposits to total assets | 86.7569% | 3,087 |
| Equity capital to assets | 12.8667% | 1,444 |
| Core capital (leverage) ratio | 13.8624% | 883 |
| Tier 1 risk-based capital ratio | 26.4764% | 742 |
| Total risk-based capital ratio | 27.7325% | 730 |
| Memoranda: | ||
| Average total assets | $79,649,500 | 5,597 |
| Average earning assets | $74,448,500 | 5,524 |
| Average equity | $10,200,500 | 4,988 |
| Average total loans | $31,533,000 | 6,267 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 7,010 |
| Cost of funding earning assets | 0.8632% | 6,331 |
| Net interest margin | 3.2644% | 6,089 |
| Noninterest income to average assets | 0.1580% | 6,593 |
| Noninterest expense to average assets | 2.0193% | 6,990 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9579% | 2,174 |
| Return on assets (ROA) | 0.9579% | 2,299 |
| Pretax return on assets | 1.1900% | 2,256 |
| Return on Equity (ROE) | 6.6632% | 3,277 |
| Retained earnings to average equity (ytd only) | 2.8209% | 3,874 |
| Net charge-offs to loans | -0.0118% | 7,324 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9194% | 5,536 |
| Assets per employee ($millions) | 6.1019% | 1,149 |
| Cash dividends to net income (ytd only)* | 57.6642% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2245% | 1,835 |
| Loan loss allowance to noncurrent loans | 955.4054% | 384 |
| Noncurrent assets plus other real estate owned to assets | 1.4926% | 4,076 |
| Noncurrent loans to loans | 0.2328% | 6,596 |
| Net loans and leases to total assets | 39.1743% | 7,015 |
| Net loans and leases to deposits | 45.0787% | 7,075 |
| Net loans and leases to core deposits | 46.1252% | 7,137 |
| Total domestic deposits to total assets | 86.9020% | 2,878 |
| Equity capital to assets | 12.7463% | 1,504 |
| Core capital (leverage) ratio | 15.1125% | 647 |
| Tier 1 risk-based capital ratio | 25.7944% | 774 |
| Total risk-based capital ratio | 27.0523% | 752 |
| Memoranda: | ||
| Average total assets | $71,510,600 | 5,838 |
| Average earning assets | $66,842,400 | 5,774 |
| Average equity | $10,280,400 | 5,047 |
| Average total loans | $33,916,200 | 6,211 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2849% | 6,983 |
| Cost of funding earning assets | 0.9151% | 6,333 |
| Net interest margin | 3.3698% | 5,781 |
| Noninterest income to average assets | 0.1533% | 6,761 |
| Noninterest expense to average assets | 2.0549% | 6,946 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9508% | 2,410 |
| Return on assets (ROA) | 0.9508% | 2,541 |
| Pretax return on assets | 1.2536% | 2,321 |
| Return on Equity (ROE) | 6.4064% | 3,620 |
| Retained earnings to average equity (ytd only) | 6.4064% | 2,135 |
| Net charge-offs to loans | -0.0155% | 7,319 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1089% | 5,604 |
| Assets per employee ($millions) | 5.3744% | 1,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1263% | 1,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7211% | 3,863 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 51.1730% | 6,202 |
| Net loans and leases to deposits | 61.7849% | 6,137 |
| Net loans and leases to core deposits | 63.6485% | 6,324 |
| Total domestic deposits to total assets | 82.8245% | 4,663 |
| Equity capital to assets | 16.3816% | 605 |
| Core capital (leverage) ratio | 16.0836% | 547 |
| Tier 1 risk-based capital ratio | 27.2871% | 674 |
| Total risk-based capital ratio | 28.5440% | 666 |
| Memoranda: | ||
| Average total assets | $69,557,000 | 5,953 |
| Average earning assets | $65,126,500 | 5,887 |
| Average equity | $10,322,750 | 5,104 |
| Average total loans | $34,449,750 | 6,268 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1942% | 7,178 |
| Cost of funding earning assets | 0.9137% | 6,526 |
| Net interest margin | 3.2805% | 6,078 |
| Noninterest income to average assets | 0.1488% | 6,825 |
| Noninterest expense to average assets | 1.7826% | 7,405 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0331% | 2,071 |
| Return on assets (ROA) | 1.0331% | 2,151 |
| Pretax return on assets | 1.4401% | 1,726 |
| Return on Equity (ROE) | 7.1861% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.1861% | 1,759 |
| Net charge-offs to loans | -0.0173% | 7,264 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3136% | 6,727 |
| Assets per employee ($millions) | 5.9403% | 1,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0895% | 1,982 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6848% | 3,914 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 47.0673% | 6,700 |
| Net loans and leases to deposits | 55.6069% | 6,758 |
| Net loans and leases to core deposits | 57.3257% | 6,870 |
| Total domestic deposits to total assets | 84.6429% | 3,799 |
| Equity capital to assets | 14.5982% | 982 |
| Core capital (leverage) ratio | 14.7423% | 776 |
| Tier 1 risk-based capital ratio | 26.0477% | 766 |
| Total risk-based capital ratio | 27.3058% | 757 |
| Memoranda: | ||
| Average total assets | $71,245,000 | 5,941 |
| Average earning assets | $66,758,670 | 5,875 |
| Average equity | $10,242,000 | 5,131 |
| Average total loans | $34,693,000 | 6,300 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 7,169 |
| Cost of funding earning assets | 0.9368% | 6,627 |
| Net interest margin | 3.3388% | 5,823 |
| Noninterest income to average assets | 0.1685% | 6,762 |
| Noninterest expense to average assets | 1.9150% | 7,308 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9940% | 2,211 |
| Return on assets (ROA) | 0.9940% | 2,278 |
| Pretax return on assets | 1.3759% | 1,843 |
| Return on Equity (ROE) | 6.9685% | 3,357 |
| Retained earnings to average equity (ytd only) | 6.9685% | 2,146 |
| Net charge-offs to loans | -0.0344% | 7,237 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1911% | 6,461 |
| Assets per employee ($millions) | 5.6893% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0928% | 1,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7591% | 3,843 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 49.0626% | 6,573 |
| Net loans and leases to deposits | 58.3483% | 6,604 |
| Net loans and leases to core deposits | 59.3249% | 6,795 |
| Total domestic deposits to total assets | 84.0857% | 4,107 |
| Equity capital to assets | 14.9886% | 884 |
| Core capital (leverage) ratio | 14.1413% | 926 |
| Tier 1 risk-based capital ratio | 26.1866% | 761 |
| Total risk-based capital ratio | 27.4441% | 749 |
| Memoranda: | ||
| Average total assets | $71,226,000 | 6,017 |
| Average earning assets | $66,611,500 | 5,949 |
| Average equity | $10,160,000 | 5,196 |
| Average total loans | $34,906,000 | 6,374 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8866% | 6,741 |
| Cost of funding earning assets | 1.1096% | 6,942 |
| Net interest margin | 3.7770% | 3,812 |
| Noninterest income to average assets | 0.1468% | 7,004 |
| Noninterest expense to average assets | 2.2119% | 6,962 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9650% | 1,963 |
| Return on assets (ROA) | 0.9650% | 2,013 |
| Pretax return on assets | 1.4373% | 1,340 |
| Return on Equity (ROE) | 6.5548% | 2,969 |
| Retained earnings to average equity (ytd only) | 2.9023% | 3,142 |
| Net charge-offs to loans | 0.0217% | 6,930 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 123.6250% | 235 |
| Efficiency ratio | 60.6133% | 6,386 |
| Assets per employee ($millions) | 6.1817% | 1,142 |
| Cash dividends to net income (ytd only)* | 55.7229% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0028% | 2,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6190% | 3,940 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 47.0302% | 6,896 |
| Net loans and leases to deposits | 54.9445% | 6,989 |
| Net loans and leases to core deposits | 59.8374% | 7,269 |
| Total domestic deposits to total assets | 85.5958% | 3,230 |
| Equity capital to assets | 13.5980% | 1,281 |
| Core capital (leverage) ratio | 14.6842% | 842 |
| Tier 1 risk-based capital ratio | 24.2051% | 929 |
| Total risk-based capital ratio | 25.4618% | 903 |
| Memoranda: | ||
| Average total assets | $68,808,800 | 6,042 |
| Average earning assets | $63,806,600 | 6,005 |
| Average equity | $10,130,000 | 5,261 |
| Average total loans | $36,795,200 | 6,261 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0858% | 6,317 |
| Cost of funding earning assets | 1.1466% | 7,050 |
| Net interest margin | 3.9393% | 3,085 |
| Noninterest income to average assets | 0.1304% | 7,229 |
| Noninterest expense to average assets | 2.2648% | 6,802 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0020% | 2,048 |
| Return on assets (ROA) | 1.0020% | 2,110 |
| Pretax return on assets | 1.5118% | 1,381 |
| Return on Equity (ROE) | 6.6660% | 3,230 |
| Retained earnings to average equity (ytd only) | 6.6660% | 1,645 |
| Net charge-offs to loans | 0.0395% | 6,353 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 69.5276% | 483 |
| Efficiency ratio | 59.9686% | 6,423 |
| Assets per employee ($millions) | 5.3933% | 1,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0138% | 1,768 |
| Loan loss allowance to noncurrent loans | 35,500.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 1.8588% | 3,571 |
| Noncurrent loans to loans | 0.0057% | 7,518 |
| Net loans and leases to total assets | 53.3776% | 6,455 |
| Net loans and leases to deposits | 64.3554% | 6,464 |
| Net loans and leases to core deposits | 70.2969% | 6,956 |
| Total domestic deposits to total assets | 82.9419% | 4,254 |
| Equity capital to assets | 15.9827% | 793 |
| Core capital (leverage) ratio | 15.5004% | 761 |
| Tier 1 risk-based capital ratio | 26.1333% | 814 |
| Total risk-based capital ratio | 27.3890% | 793 |
| Memoranda: | ||
| Average total assets | $67,466,000 | 6,127 |
| Average earning assets | $62,446,250 | 6,092 |
| Average equity | $10,140,750 | 5,301 |
| Average total loans | $37,094,000 | 6,284 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 6,250 |
| Cost of funding earning assets | 1.1366% | 7,284 |
| Net interest margin | 4.0144% | 2,639 |
| Noninterest income to average assets | 0.1199% | 7,391 |
| Noninterest expense to average assets | 2.0327% | 7,407 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2635% | 1,321 |
| Return on assets (ROA) | 1.2635% | 1,400 |
| Pretax return on assets | 1.7958% | 857 |
| Return on Equity (ROE) | 8.5774% | 2,529 |
| Retained earnings to average equity (ytd only) | 8.5774% | 1,048 |
| Net charge-offs to loans | 0.0583% | 5,681 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 55.8182% | 631 |
| Efficiency ratio | 53.0940% | 7,420 |
| Assets per employee ($millions) | 4.9012% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 1,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0654% | 3,109 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 55.5066% | 6,272 |
| Net loans and leases to deposits | 66.9785% | 6,294 |
| Net loans and leases to core deposits | 72.2079% | 6,884 |
| Total domestic deposits to total assets | 82.8722% | 4,299 |
| Equity capital to assets | 16.0637% | 808 |
| Core capital (leverage) ratio | 15.7057% | 788 |
| Tier 1 risk-based capital ratio | 25.5489% | 894 |
| Total risk-based capital ratio | 26.8061% | 875 |
| Memoranda: | ||
| Average total assets | $68,381,330 | 6,135 |
| Average earning assets | $63,172,000 | 6,105 |
| Average equity | $10,073,000 | 5,342 |
| Average total loans | $37,706,670 | 6,308 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1438% | 6,509 |
| Cost of funding earning assets | 1.1348% | 7,452 |
| Net interest margin | 4.0089% | 2,609 |
| Noninterest income to average assets | 0.1244% | 7,403 |
| Noninterest expense to average assets | 1.9345% | 7,482 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3067% | 1,364 |
| Return on assets (ROA) | 1.3067% | 1,463 |
| Pretax return on assets | 1.8667% | 865 |
| Return on Equity (ROE) | 9.2474% | 2,624 |
| Retained earnings to average equity (ytd only) | 9.2474% | 1,412 |
| Net charge-offs to loans | -0.0104% | 7,281 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8929% | 7,520 |
| Assets per employee ($millions) | 5.9233% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9110% | 1,601 |
| Loan loss allowance to noncurrent loans | 124.0550% | 2,529 |
| Noncurrent assets plus other real estate owned to assets | 2.2487% | 2,549 |
| Noncurrent loans to loans | 1.5404% | 3,971 |
| Net loans and leases to total assets | 62.5665% | 5,226 |
| Net loans and leases to deposits | 79.2422% | 4,734 |
| Net loans and leases to core deposits | 86.9341% | 5,837 |
| Total domestic deposits to total assets | 78.9560% | 5,745 |
| Equity capital to assets | 17.0175% | 723 |
| Core capital (leverage) ratio | 15.3892% | 886 |
| Tier 1 risk-based capital ratio | 25.6666% | 920 |
| Total risk-based capital ratio | 26.9241% | 896 |
| Memoranda: | ||
| Average total assets | $70,714,500 | 6,102 |
| Average earning assets | $64,855,000 | 6,076 |
| Average equity | $9,992,000 | 5,387 |
| Average total loans | $38,522,000 | 6,306 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7344% | 6,665 |
| Cost of funding earning assets | 1.9367% | 6,623 |
| Net interest margin | 3.7977% | 4,032 |
| Noninterest income to average assets | 0.1543% | 7,323 |
| Noninterest expense to average assets | 2.0785% | 7,279 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1141% | 2,089 |
| Return on assets (ROA) | 1.1141% | 2,008 |
| Pretax return on assets | 1.5616% | 1,512 |
| Return on Equity (ROE) | 7.2410% | 3,407 |
| Retained earnings to average equity (ytd only) | 0.7522% | 4,781 |
| Net charge-offs to loans | -0.0052% | 7,789 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1005% | 6,852 |
| Assets per employee ($millions) | 8.2196% | 440 |
| Cash dividends to net income (ytd only)* | 89.6122% | 1,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8364% | 1,555 |
| Loan loss allowance to noncurrent loans | 123.8832% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 1.6205% | 3,005 |
| Noncurrent loans to loans | 1.4823% | 3,582 |
| Net loans and leases to total assets | 46.8891% | 7,261 |
| Net loans and leases to deposits | 53.9480% | 7,440 |
| Net loans and leases to core deposits | 56.4447% | 7,724 |
| Total domestic deposits to total assets | 86.9154% | 1,977 |
| Equity capital to assets | 12.0492% | 2,262 |
| Core capital (leverage) ratio | 14.4786% | 1,147 |
| Tier 1 risk-based capital ratio | 22.1371% | 1,299 |
| Total risk-based capital ratio | 23.3931% | 1,264 |
| Memoranda: | ||
| Average total assets | $64,806,400 | 6,200 |
| Average earning assets | $59,483,200 | 6,194 |
| Average equity | $9,971,000 | 5,420 |
| Average total loans | $38,187,200 | 6,262 |