Home > The First National Bank of Scott City > Performance and Condition Ratios
The First National Bank of Scott City, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3450% | 1,404 |
| Cost of funding earning assets | 1.2905% | 2,548 |
| Net interest margin | 4.0545% | 1,126 |
| Noninterest income to average assets | 0.2900% | 3,180 |
| Noninterest expense to average assets | 2.1329% | 3,318 |
| Loan and lease loss provision to assets | 0.3600% | 272 |
| Net operating income to assets | 1.1559% | 1,765 |
| Return on assets (ROA) | 1.0860% | 1,931 |
| Pretax return on assets | 1.4587% | 1,513 |
| Return on Equity (ROE) | 11.6400% | 2,053 |
| Retained earnings to average equity (ytd only) | 7.9254% | 1,564 |
| Net charge-offs to loans | 0.5219% | 194 |
| Credit loss provision to net charge-offs | 121.2446% | 1,665 |
| Earnings coverage of net charge-offs (x) | 6.3884% | 2,471 |
| Efficiency ratio | 52.7610% | 3,769 |
| Assets per employee ($millions) | 7.5574% | 1,693 |
| Cash dividends to net income (ytd only)* | 31.8960% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 2,207 |
| Loan loss allowance to noncurrent loans | 120.2532% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.5973% | 924 |
| Noncurrent loans to loans | 1.0103% | 732 |
| Net loans and leases to total assets | 58.4000% | 3,001 |
| Net loans and leases to deposits | 65.7556% | 3,185 |
| Net loans and leases to core deposits | 70.4125% | 3,284 |
| Total domestic deposits to total assets | 88.8200% | 1,113 |
| Equity capital to assets | 9.9517% | 2,039 |
| Core capital (leverage) ratio | 12.3012% | 1,295 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $155,894,400 | 3,310 |
| Average earning assets | $144,209,600 | 3,303 |
| Average equity | $14,548,200 | 3,302 |
| Average total loans | $89,297,000 | 3,296 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3234% | 1,255 |
| Cost of funding earning assets | 1.1765% | 2,504 |
| Net interest margin | 4.1469% | 994 |
| Noninterest income to average assets | 0.2900% | 3,187 |
| Noninterest expense to average assets | 2.1942% | 3,091 |
| Loan and lease loss provision to assets | 0.4900% | 161 |
| Net operating income to assets | 1.0354% | 2,262 |
| Return on assets (ROA) | 1.0232% | 2,279 |
| Pretax return on assets | 1.4305% | 1,714 |
| Return on Equity (ROE) | 11.1500% | 2,335 |
| Retained earnings to average equity (ytd only) | 7.3610% | 2,182 |
| Net charge-offs to loans | 0.7093% | 131 |
| Credit loss provision to net charge-offs | 120.4691% | 1,483 |
| Earnings coverage of net charge-offs (x) | 4.7932% | 2,375 |
| Efficiency ratio | 53.1862% | 3,660 |
| Assets per employee ($millions) | 7.0610% | 1,914 |
| Cash dividends to net income (ytd only)* | 34.0050% | 1,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1877% | 2,425 |
| Loan loss allowance to noncurrent loans | 109.9613% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 860 |
| Noncurrent loans to loans | 1.0801% | 738 |
| Net loans and leases to total assets | 60.9000% | 2,761 |
| Net loans and leases to deposits | 70.8185% | 2,789 |
| Net loans and leases to core deposits | 76.9215% | 2,806 |
| Total domestic deposits to total assets | 85.9900% | 2,196 |
| Equity capital to assets | 8.9931% | 2,419 |
| Core capital (leverage) ratio | 12.2600% | 1,316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $155,191,500 | 3,326 |
| Average earning assets | $143,589,500 | 3,314 |
| Average equity | $14,236,750 | 3,317 |
| Average total loans | $88,163,500 | 3,316 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3581% | 1,000 |
| Cost of funding earning assets | 1.0674% | 2,389 |
| Net interest margin | 4.2907% | 816 |
| Noninterest income to average assets | 0.3100% | 3,022 |
| Noninterest expense to average assets | 2.1683% | 3,175 |
| Loan and lease loss provision to assets | 0.7300% | 99 |
| Net operating income to assets | 0.8560% | 2,902 |
| Return on assets (ROA) | 0.8560% | 2,902 |
| Pretax return on assets | 1.3923% | 1,833 |
| Return on Equity (ROE) | 9.2700% | 2,901 |
| Retained earnings to average equity (ytd only) | 5.5006% | 2,784 |
| Net charge-offs to loans | 1.1186% | 79 |
| Credit loss provision to net charge-offs | 117.9541% | 1,335 |
| Earnings coverage of net charge-offs (x) | 3.4342% | 2,261 |
| Efficiency ratio | 50.5561% | 3,876 |
| Assets per employee ($millions) | 6.7765% | 2,084 |
| Cash dividends to net income (ytd only)* | 40.6627% | 1,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 2,251 |
| Loan loss allowance to noncurrent loans | 84.1673% | 3,388 |
| Noncurrent assets plus other real estate owned to assets | 0.8591% | 581 |
| Noncurrent loans to loans | 1.4679% | 460 |
| Net loans and leases to total assets | 57.8000% | 2,980 |
| Net loans and leases to deposits | 65.4850% | 3,093 |
| Net loans and leases to core deposits | 69.9252% | 3,136 |
| Total domestic deposits to total assets | 88.2700% | 1,505 |
| Equity capital to assets | 9.2680% | 2,336 |
| Core capital (leverage) ratio | 12.0173% | 1,366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $155,141,333 | 3,343 |
| Average earning assets | $143,707,667 | 3,325 |
| Average equity | $14,325,667 | 3,326 |
| Average total loans | $85,639,667 | 3,354 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 1,544 |
| Cost of funding earning assets | 0.9789% | 2,115 |
| Net interest margin | 3.8541% | 1,570 |
| Noninterest income to average assets | 0.3100% | 2,990 |
| Noninterest expense to average assets | 2.1165% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.3697% | 1,490 |
| Return on assets (ROA) | 1.3697% | 1,458 |
| Pretax return on assets | 1.7676% | 1,132 |
| Return on Equity (ROE) | 14.8600% | 1,579 |
| Retained earnings to average equity (ytd only) | 11.0753% | 1,451 |
| Net charge-offs to loans | -0.0338% | 4,255 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 54.4910% | 3,553 |
| Assets per employee ($millions) | 6.4232% | 2,387 |
| Cash dividends to net income (ytd only)* | 25.4717% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 2,450 |
| Loan loss allowance to noncurrent loans | 111.8590% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.6072% | 836 |
| Noncurrent loans to loans | 1.0908% | 650 |
| Net loans and leases to total assets | 54.9800% | 3,122 |
| Net loans and leases to deposits | 61.7631% | 3,240 |
| Net loans and leases to core deposits | 64.7720% | 3,299 |
| Total domestic deposits to total assets | 89.0200% | 1,539 |
| Equity capital to assets | 9.5397% | 2,111 |
| Core capital (leverage) ratio | 11.5990% | 1,507 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $154,782,500 | 3,381 |
| Average earning assets | $143,432,500 | 3,369 |
| Average equity | $14,266,000 | 3,363 |
| Average total loans | $82,849,500 | 3,421 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8445% | 2,156 |
| Cost of funding earning assets | 0.4440% | 1,761 |
| Net interest margin | 3.4005% | 2,256 |
| Noninterest income to average assets | 0.3000% | 3,332 |
| Noninterest expense to average assets | 2.0656% | 3,398 |
| Loan and lease loss provision to assets | 0.0700% | 1,594 |
| Net operating income to assets | 1.0438% | 2,401 |
| Return on assets (ROA) | 1.0438% | 2,344 |
| Pretax return on assets | 1.3345% | 1,982 |
| Return on Equity (ROE) | 11.1500% | 2,423 |
| Retained earnings to average equity (ytd only) | 8.4649% | 1,650 |
| Net charge-offs to loans | -0.0493% | 4,347 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 59.5207% | 3,119 |
| Assets per employee ($millions) | 6.7569% | 2,149 |
| Cash dividends to net income (ytd only)* | 24.0889% | 2,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3030% | 1,879 |
| Loan loss allowance to noncurrent loans | 80.6977% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 0.8301% | 559 |
| Noncurrent loans to loans | 1.6147% | 397 |
| Net loans and leases to total assets | 50.7400% | 3,455 |
| Net loans and leases to deposits | 56.5151% | 3,544 |
| Net loans and leases to core deposits | 58.6794% | 3,575 |
| Total domestic deposits to total assets | 89.7800% | 1,457 |
| Equity capital to assets | 8.8965% | 2,419 |
| Core capital (leverage) ratio | 11.9852% | 1,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $155,112,600 | 3,391 |
| Average earning assets | $144,832,000 | 3,378 |
| Average equity | $14,518,800 | 3,412 |
| Average total loans | $81,057,000 | 3,400 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6550% | 2,183 |
| Cost of funding earning assets | 0.3271% | 1,886 |
| Net interest margin | 3.3279% | 2,205 |
| Noninterest income to average assets | 0.3100% | 3,309 |
| Noninterest expense to average assets | 2.1766% | 2,990 |
| Loan and lease loss provision to assets | 0.0500% | 1,750 |
| Net operating income to assets | 0.9520% | 2,660 |
| Return on assets (ROA) | 0.9520% | 2,629 |
| Pretax return on assets | 1.1997% | 2,369 |
| Return on Equity (ROE) | 10.0500% | 2,709 |
| Retained earnings to average equity (ytd only) | 7.9588% | 2,010 |
| Net charge-offs to loans | -0.0738% | 4,409 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 63.5930% | 2,610 |
| Assets per employee ($millions) | 6.4463% | 2,366 |
| Cash dividends to net income (ytd only)* | 20.7769% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 2,515 |
| Loan loss allowance to noncurrent loans | 142.3851% | 3,071 |
| Noncurrent assets plus other real estate owned to assets | 0.4694% | 1,153 |
| Noncurrent loans to loans | 0.8437% | 929 |
| Net loans and leases to total assets | 54.9700% | 3,008 |
| Net loans and leases to deposits | 61.2939% | 3,086 |
| Net loans and leases to core deposits | 62.4626% | 3,220 |
| Total domestic deposits to total assets | 89.6800% | 1,793 |
| Equity capital to assets | 8.7464% | 2,379 |
| Core capital (leverage) ratio | 11.8239% | 1,297 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $155,038,500 | 3,420 |
| Average earning assets | $145,114,250 | 3,400 |
| Average equity | $14,692,000 | 3,439 |
| Average total loans | $81,348,250 | 3,407 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4157% | 2,386 |
| Cost of funding earning assets | 0.2272% | 2,545 |
| Net interest margin | 3.1885% | 2,228 |
| Noninterest income to average assets | 0.3026% | 3,347 |
| Noninterest expense to average assets | 2.1590% | 2,972 |
| Loan and lease loss provision to assets | 0.0254% | 2,142 |
| Net operating income to assets | 0.8900% | 2,624 |
| Return on assets (ROA) | 0.8900% | 2,598 |
| Pretax return on assets | 1.1164% | 2,343 |
| Return on Equity (ROE) | 9.1703% | 2,640 |
| Retained earnings to average equity (ytd only) | 7.6638% | 1,745 |
| Net charge-offs to loans | -0.0815% | 4,391 |
| Credit loss provision to net charge-offs | -60.6061% | 3,058 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4083% | 2,596 |
| Assets per employee ($millions) | 6.2752% | 2,502 |
| Cash dividends to net income (ytd only)* | 16.4286% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 2,923 |
| Loan loss allowance to noncurrent loans | 75.5004% | 3,596 |
| Noncurrent assets plus other real estate owned to assets | 0.8293% | 627 |
| Noncurrent loans to loans | 1.5247% | 486 |
| Net loans and leases to total assets | 53.7651% | 2,989 |
| Net loans and leases to deposits | 60.2670% | 3,029 |
| Net loans and leases to core deposits | 61.1953% | 3,186 |
| Total domestic deposits to total assets | 89.2115% | 2,083 |
| Equity capital to assets | 9.3310% | 2,141 |
| Core capital (leverage) ratio | 11.3985% | 1,378 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,296,000 | 3,434 |
| Average earning assets | $147,906,667 | 3,417 |
| Average equity | $15,266,667 | 3,470 |
| Average total loans | $80,967,333 | 3,441 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2119% | 2,651 |
| Cost of funding earning assets | 0.1847% | 3,015 |
| Net interest margin | 3.0272% | 2,416 |
| Noninterest income to average assets | 0.2988% | 3,329 |
| Noninterest expense to average assets | 2.2261% | 2,755 |
| Loan and lease loss provision to assets | 0.0374% | 1,687 |
| Net operating income to assets | 0.7047% | 3,042 |
| Return on assets (ROA) | 0.7047% | 3,032 |
| Pretax return on assets | 0.8914% | 2,807 |
| Return on Equity (ROE) | 7.1314% | 2,995 |
| Retained earnings to average equity (ytd only) | 7.1314% | 1,846 |
| Net charge-offs to loans | 0.0248% | 1,072 |
| Credit loss provision to net charge-offs | 300.0000% | 662 |
| Earnings coverage of net charge-offs (x) | 74.6000% | 775 |
| Efficiency ratio | 70.5604% | 2,147 |
| Assets per employee ($millions) | 6.6077% | 2,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1079% | 3,296 |
| Loan loss allowance to noncurrent loans | 104.7674% | 3,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5423% | 1,106 |
| Noncurrent loans to loans | 1.0574% | 851 |
| Net loans and leases to total assets | 50.7154% | 3,101 |
| Net loans and leases to deposits | 56.8465% | 3,184 |
| Net loans and leases to core deposits | 57.6761% | 3,325 |
| Total domestic deposits to total assets | 89.2146% | 1,969 |
| Equity capital to assets | 9.4164% | 2,349 |
| Core capital (leverage) ratio | 10.7932% | 1,627 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $160,641,500 | 3,415 |
| Average earning assets | $151,561,500 | 3,393 |
| Average equity | $15,873,500 | 3,482 |
| Average total loans | $80,493,000 | 3,453 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 2,415 |
| Cost of funding earning assets | 0.2581% | 2,830 |
| Net interest margin | 3.3331% | 2,227 |
| Noninterest income to average assets | 0.3082% | 3,560 |
| Noninterest expense to average assets | 2.1609% | 3,198 |
| Loan and lease loss provision to assets | -0.0661% | 4,424 |
| Net operating income to assets | 1.0537% | 2,470 |
| Return on assets (ROA) | 1.0537% | 2,542 |
| Pretax return on assets | 1.3480% | 2,209 |
| Return on Equity (ROE) | 9.4497% | 2,738 |
| Retained earnings to average equity (ytd only) | 5.3270% | 2,659 |
| Net charge-offs to loans | 0.0187% | 1,906 |
| Credit loss provision to net charge-offs | -714.2857% | 3,840 |
| Earnings coverage of net charge-offs (x) | 138.4286% | 713 |
| Efficiency ratio | 62.7666% | 2,755 |
| Assets per employee ($millions) | 6.5079% | 2,329 |
| Cash dividends to net income (ytd only)* | 43.6284% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1185% | 3,280 |
| Loan loss allowance to noncurrent loans | 85.9209% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 0.6374% | 1,026 |
| Noncurrent loans to loans | 1.3018% | 731 |
| Net loans and leases to total assets | 48.4130% | 3,465 |
| Net loans and leases to deposits | 56.3696% | 3,386 |
| Net loans and leases to core deposits | 57.2011% | 3,536 |
| Total domestic deposits to total assets | 85.8849% | 2,950 |
| Equity capital to assets | 10.3345% | 2,335 |
| Core capital (leverage) ratio | 11.2168% | 1,435 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,185,600 | 3,473 |
| Average earning assets | $142,180,400 | 3,453 |
| Average equity | $16,857,600 | 3,477 |
| Average total loans | $74,720,400 | 3,570 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6881% | 2,306 |
| Cost of funding earning assets | 0.2689% | 2,913 |
| Net interest margin | 3.4192% | 2,102 |
| Noninterest income to average assets | 0.3191% | 3,519 |
| Noninterest expense to average assets | 2.2053% | 3,053 |
| Loan and lease loss provision to assets | -0.0897% | 4,580 |
| Net operating income to assets | 1.1193% | 2,483 |
| Return on assets (ROA) | 1.1193% | 2,537 |
| Pretax return on assets | 1.4159% | 2,270 |
| Return on Equity (ROE) | 9.8406% | 2,790 |
| Retained earnings to average equity (ytd only) | 6.1652% | 2,756 |
| Net charge-offs to loans | -0.0508% | 4,362 |
| Credit loss provision to net charge-offs | 357.1429% | 922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4491% | 2,624 |
| Assets per employee ($millions) | 5.5742% | 3,117 |
| Cash dividends to net income (ytd only)* | 37.3494% | 1,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 2,856 |
| Loan loss allowance to noncurrent loans | 82.4934% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 0.7515% | 966 |
| Noncurrent loans to loans | 1.4875% | 709 |
| Net loans and leases to total assets | 49.8987% | 3,424 |
| Net loans and leases to deposits | 59.1815% | 3,312 |
| Net loans and leases to core deposits | 60.1427% | 3,462 |
| Total domestic deposits to total assets | 84.3146% | 3,366 |
| Equity capital to assets | 11.3207% | 1,793 |
| Core capital (leverage) ratio | 11.3015% | 1,474 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,307,500 | 3,532 |
| Average earning assets | $139,326,500 | 3,513 |
| Average equity | $16,868,500 | 3,520 |
| Average total loans | $73,486,000 | 3,640 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8985% | 1,819 |
| Cost of funding earning assets | 0.2783% | 3,002 |
| Net interest margin | 3.6203% | 1,545 |
| Noninterest income to average assets | 0.3307% | 3,447 |
| Noninterest expense to average assets | 2.2050% | 3,078 |
| Loan and lease loss provision to assets | -0.1355% | 4,691 |
| Net operating income to assets | 1.3051% | 1,853 |
| Return on assets (ROA) | 1.3051% | 1,923 |
| Pretax return on assets | 1.6642% | 1,577 |
| Return on Equity (ROE) | 11.4561% | 2,248 |
| Retained earnings to average equity (ytd only) | 8.7200% | 1,810 |
| Net charge-offs to loans | -0.0551% | 4,417 |
| Credit loss provision to net charge-offs | 500.0000% | 677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0563% | 3,143 |
| Assets per employee ($millions) | 5.5181% | 3,105 |
| Cash dividends to net income (ytd only)* | 23.8837% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,722 |
| Loan loss allowance to noncurrent loans | 75.7155% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 0.8209% | 972 |
| Noncurrent loans to loans | 1.6391% | 658 |
| Net loans and leases to total assets | 49.4597% | 3,611 |
| Net loans and leases to deposits | 58.7326% | 3,477 |
| Net loans and leases to core deposits | 59.6956% | 3,638 |
| Total domestic deposits to total assets | 84.2117% | 3,362 |
| Equity capital to assets | 11.4316% | 1,671 |
| Core capital (leverage) ratio | 11.1669% | 1,503 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,575,667 | 3,546 |
| Average earning assets | $138,719,333 | 3,529 |
| Average equity | $16,812,000 | 3,530 |
| Average total loans | $72,637,333 | 3,675 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 1,299 |
| Cost of funding earning assets | 0.2957% | 3,038 |
| Net interest margin | 3.8445% | 1,066 |
| Noninterest income to average assets | 0.3159% | 3,513 |
| Noninterest expense to average assets | 2.2415% | 2,968 |
| Loan and lease loss provision to assets | -0.1362% | 4,762 |
| Net operating income to assets | 1.4326% | 1,490 |
| Return on assets (ROA) | 1.4326% | 1,562 |
| Pretax return on assets | 1.8220% | 1,253 |
| Return on Equity (ROE) | 12.5973% | 1,792 |
| Retained earnings to average equity (ytd only) | 9.8431% | 1,699 |
| Net charge-offs to loans | -0.0391% | 4,297 |
| Credit loss provision to net charge-offs | 714.2857% | 507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0735% | 3,417 |
| Assets per employee ($millions) | 5.5990% | 3,022 |
| Cash dividends to net income (ytd only)* | 21.8631% | 1,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,351 |
| Loan loss allowance to noncurrent loans | 93.3010% | 3,423 |
| Noncurrent assets plus other real estate owned to assets | 0.6813% | 1,377 |
| Noncurrent loans to loans | 1.4137% | 897 |
| Net loans and leases to total assets | 47.5617% | 3,853 |
| Net loans and leases to deposits | 56.1982% | 3,776 |
| Net loans and leases to core deposits | 57.1002% | 3,903 |
| Total domestic deposits to total assets | 84.6321% | 3,243 |
| Equity capital to assets | 11.0543% | 1,820 |
| Core capital (leverage) ratio | 11.2021% | 1,584 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,868,500 | 3,555 |
| Average earning assets | $137,963,500 | 3,538 |
| Average equity | $16,702,000 | 3,539 |
| Average total loans | $71,648,000 | 3,703 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8754% | 3,099 |
| Cost of funding earning assets | 0.4085% | 3,528 |
| Net interest margin | 3.4669% | 2,573 |
| Noninterest income to average assets | 0.2879% | 3,763 |
| Noninterest expense to average assets | 2.4620% | 2,953 |
| Loan and lease loss provision to assets | 0.0735% | 3,466 |
| Net operating income to assets | 0.8322% | 2,972 |
| Return on assets (ROA) | 0.8322% | 3,096 |
| Pretax return on assets | 0.9971% | 3,051 |
| Return on Equity (ROE) | 6.8241% | 3,273 |
| Retained earnings to average equity (ytd only) | 4.0576% | 2,792 |
| Net charge-offs to loans | 0.1973% | 873 |
| Credit loss provision to net charge-offs | 70.0000% | 3,042 |
| Earnings coverage of net charge-offs (x) | 10.2000% | 2,479 |
| Efficiency ratio | 69.6944% | 1,989 |
| Assets per employee ($millions) | 4.5989% | 3,815 |
| Cash dividends to net income (ytd only)* | 40.5405% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 1,862 |
| Loan loss allowance to noncurrent loans | 119.6429% | 3,088 |
| Noncurrent assets plus other real estate owned to assets | 0.5892% | 1,787 |
| Noncurrent loans to loans | 1.1926% | 1,181 |
| Net loans and leases to total assets | 48.7006% | 3,926 |
| Net loans and leases to deposits | 58.4069% | 3,868 |
| Net loans and leases to core deposits | 59.4150% | 3,979 |
| Total domestic deposits to total assets | 83.3816% | 3,299 |
| Equity capital to assets | 11.7090% | 1,729 |
| Core capital (leverage) ratio | 11.5024% | 1,470 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $133,389,000 | 3,584 |
| Average earning assets | $124,839,000 | 3,572 |
| Average equity | $16,265,800 | 3,523 |
| Average total loans | $70,957,800 | 3,715 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0438% | 2,846 |
| Cost of funding earning assets | 0.4387% | 3,589 |
| Net interest margin | 3.6051% | 2,259 |
| Noninterest income to average assets | 0.2471% | 3,996 |
| Noninterest expense to average assets | 2.4694% | 2,936 |
| Loan and lease loss provision to assets | 0.1503% | 2,518 |
| Net operating income to assets | 0.8147% | 3,036 |
| Return on assets (ROA) | 0.8147% | 3,156 |
| Pretax return on assets | 1.0038% | 3,059 |
| Return on Equity (ROE) | 6.6092% | 3,338 |
| Retained earnings to average equity (ytd only) | 3.8450% | 3,117 |
| Net charge-offs to loans | 0.3001% | 524 |
| Credit loss provision to net charge-offs | 92.5000% | 2,686 |
| Earnings coverage of net charge-offs (x) | 7.0938% | 2,602 |
| Efficiency ratio | 68.1448% | 2,167 |
| Assets per employee ($millions) | 4.6619% | 3,644 |
| Cash dividends to net income (ytd only)* | 41.8227% | 1,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 1,578 |
| Loan loss allowance to noncurrent loans | 120.4651% | 3,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6361% | 1,834 |
| Noncurrent loans to loans | 1.1946% | 1,272 |
| Net loans and leases to total assets | 52.4820% | 3,931 |
| Net loans and leases to deposits | 63.1575% | 3,848 |
| Net loans and leases to core deposits | 64.3104% | 3,998 |
| Total domestic deposits to total assets | 83.0970% | 3,123 |
| Equity capital to assets | 12.2593% | 1,541 |
| Core capital (leverage) ratio | 11.8397% | 1,405 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,095,000 | 3,602 |
| Average earning assets | $122,785,500 | 3,584 |
| Average equity | $16,159,000 | 3,534 |
| Average total loans | $71,088,500 | 3,725 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0081% | 3,301 |
| Cost of funding earning assets | 0.4704% | 3,701 |
| Net interest margin | 3.5377% | 2,681 |
| Noninterest income to average assets | 0.2004% | 4,270 |
| Noninterest expense to average assets | 2.4574% | 3,081 |
| Loan and lease loss provision to assets | 0.2282% | 1,838 |
| Net operating income to assets | 0.6814% | 3,458 |
| Return on assets (ROA) | 0.6814% | 3,562 |
| Pretax return on assets | 0.8310% | 3,505 |
| Return on Equity (ROE) | 5.5179% | 3,668 |
| Retained earnings to average equity (ytd only) | 2.7714% | 3,473 |
| Net charge-offs to loans | 0.4294% | 373 |
| Credit loss provision to net charge-offs | 97.3684% | 2,427 |
| Earnings coverage of net charge-offs (x) | 4.5197% | 2,592 |
| Efficiency ratio | 69.8816% | 1,974 |
| Assets per employee ($millions) | 4.8010% | 3,413 |
| Cash dividends to net income (ytd only)* | 49.7738% | 1,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 1,402 |
| Loan loss allowance to noncurrent loans | 78.0105% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 0.9946% | 1,210 |
| Noncurrent loans to loans | 1.8603% | 746 |
| Net loans and leases to total assets | 52.6865% | 3,977 |
| Net loans and leases to deposits | 63.3161% | 3,936 |
| Net loans and leases to core deposits | 64.0386% | 4,074 |
| Total domestic deposits to total assets | 83.2120% | 3,025 |
| Equity capital to assets | 12.1745% | 1,551 |
| Core capital (leverage) ratio | 11.9874% | 1,382 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,728,333 | 3,598 |
| Average earning assets | $121,603,667 | 3,582 |
| Average equity | $16,020,667 | 3,549 |
| Average total loans | $70,788,333 | 3,738 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 2,811 |
| Cost of funding earning assets | 0.5413% | 3,733 |
| Net interest margin | 3.7926% | 2,012 |
| Noninterest income to average assets | 0.3077% | 3,669 |
| Noninterest expense to average assets | 2.5593% | 3,103 |
| Loan and lease loss provision to assets | 0.2010% | 1,514 |
| Net operating income to assets | 0.9641% | 2,303 |
| Return on assets (ROA) | 0.9641% | 2,405 |
| Pretax return on assets | 1.0897% | 2,557 |
| Return on Equity (ROE) | 7.7486% | 2,618 |
| Retained earnings to average equity (ytd only) | 4.7198% | 2,406 |
| Net charge-offs to loans | 0.5751% | 257 |
| Credit loss provision to net charge-offs | 63.3663% | 2,008 |
| Earnings coverage of net charge-offs (x) | 4.0693% | 2,161 |
| Efficiency ratio | 66.4763% | 2,889 |
| Assets per employee ($millions) | 4.6340% | 3,080 |
| Cash dividends to net income (ytd only)* | 39.0879% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4809% | 1,407 |
| Loan loss allowance to noncurrent loans | 75.5605% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 1.0694% | 1,221 |
| Noncurrent loans to loans | 1.9598% | 741 |
| Net loans and leases to total assets | 53.7577% | 4,008 |
| Net loans and leases to deposits | 65.2579% | 3,909 |
| Net loans and leases to core deposits | 65.9031% | 4,089 |
| Total domestic deposits to total assets | 82.3773% | 3,306 |
| Equity capital to assets | 12.7569% | 1,584 |
| Core capital (leverage) ratio | 12.3057% | 1,556 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $127,378,000 | 3,612 |
| Average earning assets | $118,967,500 | 3,589 |
| Average equity | $15,848,000 | 3,570 |
| Average total loans | $70,248,000 | 3,759 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5943% | 2,637 |
| Cost of funding earning assets | 0.6230% | 3,541 |
| Net interest margin | 3.9713% | 1,936 |
| Noninterest income to average assets | 0.6706% | 1,917 |
| Noninterest expense to average assets | 2.8154% | 2,553 |
| Loan and lease loss provision to assets | 0.3386% | 461 |
| Net operating income to assets | 0.9248% | 3,111 |
| Return on assets (ROA) | 0.9163% | 3,220 |
| Pretax return on assets | 1.1985% | 2,850 |
| Return on Equity (ROE) | 7.1646% | 3,494 |
| Retained earnings to average equity (ytd only) | 4.1145% | 2,910 |
| Net charge-offs to loans | 0.6663% | 259 |
| Credit loss provision to net charge-offs | 85.8947% | 2,711 |
| Earnings coverage of net charge-offs (x) | 3.9263% | 3,278 |
| Efficiency ratio | 64.5235% | 3,000 |
| Assets per employee ($millions) | 4.6300% | 3,045 |
| Cash dividends to net income (ytd only)* | 42.5725% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4510% | 1,362 |
| Loan loss allowance to noncurrent loans | 80.4916% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.0043% | 1,238 |
| Noncurrent loans to loans | 1.8027% | 748 |
| Net loans and leases to total assets | 54.9040% | 4,008 |
| Net loans and leases to deposits | 66.0042% | 3,955 |
| Net loans and leases to core deposits | 66.6252% | 4,155 |
| Total domestic deposits to total assets | 83.1825% | 3,143 |
| Equity capital to assets | 12.1376% | 2,054 |
| Core capital (leverage) ratio | 12.7837% | 1,340 |
| Tier 1 risk-based capital ratio | 15.8348% | 2,464 |
| Total risk-based capital ratio | 16.9065% | 2,460 |
| Memoranda: | ||
| Average total assets | $120,481,600 | 3,693 |
| Average earning assets | $112,029,600 | 3,677 |
| Average equity | $15,409,000 | 3,595 |
| Average total loans | $71,291,200 | 3,754 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6822% | 2,474 |
| Cost of funding earning assets | 0.6313% | 3,530 |
| Net interest margin | 4.0509% | 1,759 |
| Noninterest income to average assets | 0.7919% | 1,445 |
| Noninterest expense to average assets | 2.8552% | 2,392 |
| Loan and lease loss provision to assets | 0.4343% | 298 |
| Net operating income to assets | 1.0215% | 2,905 |
| Return on assets (ROA) | 1.0096% | 3,030 |
| Pretax return on assets | 1.2522% | 2,812 |
| Return on Equity (ROE) | 7.7854% | 3,395 |
| Retained earnings to average equity (ytd only) | 5.7846% | 2,466 |
| Net charge-offs to loans | 0.7974% | 197 |
| Credit loss provision to net charge-offs | 90.5882% | 2,389 |
| Earnings coverage of net charge-offs (x) | 3.5483% | 3,091 |
| Efficiency ratio | 62.6640% | 3,219 |
| Assets per employee ($millions) | 4.4727% | 3,254 |
| Cash dividends to net income (ytd only)* | 25.6985% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,338 |
| Loan loss allowance to noncurrent loans | 52.5647% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.7603% | 565 |
| Noncurrent loans to loans | 2.7906% | 380 |
| Net loans and leases to total assets | 62.1529% | 3,482 |
| Net loans and leases to deposits | 76.6231% | 3,237 |
| Net loans and leases to core deposits | 78.2837% | 3,527 |
| Total domestic deposits to total assets | 81.1152% | 3,722 |
| Equity capital to assets | 13.5791% | 1,327 |
| Core capital (leverage) ratio | 13.4654% | 1,146 |
| Tier 1 risk-based capital ratio | 16.0559% | 2,408 |
| Total risk-based capital ratio | 17.1695% | 2,401 |
| Memoranda: | ||
| Average total assets | $118,192,250 | 3,771 |
| Average earning assets | $109,832,500 | 3,755 |
| Average equity | $15,327,500 | 3,643 |
| Average total loans | $71,057,750 | 3,798 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6316% | 2,574 |
| Cost of funding earning assets | 0.5968% | 3,663 |
| Net interest margin | 4.0348% | 1,814 |
| Noninterest income to average assets | 0.9981% | 874 |
| Noninterest expense to average assets | 2.8967% | 2,291 |
| Loan and lease loss provision to assets | 0.4797% | 244 |
| Net operating income to assets | 1.1075% | 2,495 |
| Return on assets (ROA) | 1.1075% | 2,568 |
| Pretax return on assets | 1.3768% | 2,277 |
| Return on Equity (ROE) | 8.6733% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.1575% | 1,739 |
| Net charge-offs to loans | 0.9219% | 157 |
| Credit loss provision to net charge-offs | 87.9630% | 2,152 |
| Earnings coverage of net charge-offs (x) | 3.4043% | 2,848 |
| Efficiency ratio | 60.9419% | 3,586 |
| Assets per employee ($millions) | 4.2892% | 3,449 |
| Cash dividends to net income (ytd only)* | 17.4772% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4980% | 1,287 |
| Loan loss allowance to noncurrent loans | 57.9570% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.6061% | 672 |
| Noncurrent loans to loans | 2.5847% | 441 |
| Net loans and leases to total assets | 61.2082% | 3,628 |
| Net loans and leases to deposits | 74.0914% | 3,511 |
| Net loans and leases to core deposits | 76.0770% | 3,720 |
| Total domestic deposits to total assets | 82.6117% | 3,328 |
| Equity capital to assets | 13.4550% | 1,345 |
| Core capital (leverage) ratio | 13.1791% | 1,223 |
| Tier 1 risk-based capital ratio | 16.0790% | 2,374 |
| Total risk-based capital ratio | 17.2049% | 2,378 |
| Memoranda: | ||
| Average total assets | $118,826,670 | 3,784 |
| Average earning assets | $110,588,000 | 3,767 |
| Average equity | $15,173,000 | 3,665 |
| Average total loans | $70,292,670 | 3,833 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5315% | 2,760 |
| Cost of funding earning assets | 0.5615% | 3,777 |
| Net interest margin | 3.9700% | 1,948 |
| Noninterest income to average assets | 1.5789% | 351 |
| Noninterest expense to average assets | 2.7822% | 2,629 |
| Loan and lease loss provision to assets | 0.1330% | 1,307 |
| Net operating income to assets | 1.8116% | 567 |
| Return on assets (ROA) | 1.8116% | 582 |
| Pretax return on assets | 2.3534% | 327 |
| Return on Equity (ROE) | 14.5639% | 843 |
| Retained earnings to average equity (ytd only) | 11.4908% | 703 |
| Net charge-offs to loans | 1.1748% | 106 |
| Credit loss provision to net charge-offs | 19.6078% | 2,138 |
| Earnings coverage of net charge-offs (x) | 3.6667% | 2,384 |
| Efficiency ratio | 52.8076% | 4,633 |
| Assets per employee ($millions) | 4.5378% | 3,130 |
| Cash dividends to net income (ytd only)* | 21.1009% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4038% | 1,665 |
| Loan loss allowance to noncurrent loans | 46.0832% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 1.7528% | 609 |
| Noncurrent loans to loans | 3.0461% | 352 |
| Net loans and leases to total assets | 56.7336% | 4,002 |
| Net loans and leases to deposits | 66.4832% | 4,016 |
| Net loans and leases to core deposits | 67.4160% | 4,213 |
| Total domestic deposits to total assets | 85.3352% | 2,555 |
| Equity capital to assets | 12.9553% | 1,480 |
| Core capital (leverage) ratio | 12.8065% | 1,357 |
| Tier 1 risk-based capital ratio | 16.5991% | 2,228 |
| Total risk-based capital ratio | 17.6344% | 2,252 |
| Memoranda: | ||
| Average total assets | $120,336,000 | 3,800 |
| Average earning assets | $111,838,500 | 3,788 |
| Average equity | $14,968,500 | 3,704 |
| Average total loans | $69,458,000 | 3,874 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3146% | 3,061 |
| Cost of funding earning assets | 0.4643% | 3,585 |
| Net interest margin | 3.8503% | 2,497 |
| Noninterest income to average assets | 0.2999% | 4,099 |
| Noninterest expense to average assets | 2.6332% | 3,234 |
| Loan and lease loss provision to assets | 0.5270% | 219 |
| Net operating income to assets | 0.5812% | 4,465 |
| Return on assets (ROA) | 0.5812% | 4,471 |
| Pretax return on assets | 0.7015% | 4,413 |
| Return on Equity (ROE) | 4.8026% | 4,505 |
| Retained earnings to average equity (ytd only) | 3.9275% | 3,417 |
| Net charge-offs to loans | 1.0983% | 129 |
| Credit loss provision to net charge-offs | 78.7342% | 2,884 |
| Earnings coverage of net charge-offs (x) | 1.8354% | 3,586 |
| Efficiency ratio | 68.1878% | 2,503 |
| Assets per employee ($millions) | 4.9076% | 2,611 |
| Cash dividends to net income (ytd only)* | 18.2216% | 3,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 1,091 |
| Loan loss allowance to noncurrent loans | 49.0981% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.8527% | 544 |
| Noncurrent loans to loans | 3.2002% | 299 |
| Net loans and leases to total assets | 56.9823% | 4,049 |
| Net loans and leases to deposits | 65.5746% | 4,150 |
| Net loans and leases to core deposits | 66.6327% | 4,316 |
| Total domestic deposits to total assets | 86.8970% | 1,828 |
| Equity capital to assets | 11.9424% | 1,942 |
| Core capital (leverage) ratio | 12.8693% | 1,298 |
| Tier 1 risk-based capital ratio | 15.5137% | 2,615 |
| Total risk-based capital ratio | 16.6796% | 2,569 |
| Memoranda: | ||
| Average total assets | $118,032,200 | 3,820 |
| Average earning assets | $109,187,000 | 3,817 |
| Average equity | $14,284,000 | 3,717 |
| Average total loans | $71,931,400 | 3,830 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2862% | 3,015 |
| Cost of funding earning assets | 0.4449% | 3,560 |
| Net interest margin | 3.8413% | 2,495 |
| Noninterest income to average assets | 0.3057% | 4,101 |
| Noninterest expense to average assets | 2.6708% | 3,066 |
| Loan and lease loss provision to assets | 0.5305% | 200 |
| Net operating income to assets | 0.5168% | 4,723 |
| Return on assets (ROA) | 0.5168% | 4,724 |
| Pretax return on assets | 0.6606% | 4,620 |
| Return on Equity (ROE) | 4.2558% | 4,763 |
| Retained earnings to average equity (ytd only) | 3.0815% | 4,203 |
| Net charge-offs to loans | 1.1659% | 116 |
| Credit loss provision to net charge-offs | 73.6926% | 2,596 |
| Earnings coverage of net charge-offs (x) | 1.6545% | 3,330 |
| Efficiency ratio | 69.1581% | 2,332 |
| Assets per employee ($millions) | 4.7442% | 2,789 |
| Cash dividends to net income (ytd only)* | 27.5936% | 2,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 1,144 |
| Loan loss allowance to noncurrent loans | 42.1310% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 2.3327% | 397 |
| Noncurrent loans to loans | 3.7323% | 242 |
| Net loans and leases to total assets | 61.5168% | 3,695 |
| Net loans and leases to deposits | 72.9273% | 3,686 |
| Net loans and leases to core deposits | 74.2327% | 3,934 |
| Total domestic deposits to total assets | 84.3536% | 2,833 |
| Equity capital to assets | 12.4671% | 1,613 |
| Core capital (leverage) ratio | 12.9491% | 1,306 |
| Tier 1 risk-based capital ratio | 15.4154% | 2,684 |
| Total risk-based capital ratio | 16.5957% | 2,646 |
| Memoranda: | ||
| Average total assets | $116,868,000 | 3,875 |
| Average earning assets | $108,190,750 | 3,873 |
| Average equity | $14,192,000 | 3,753 |
| Average total loans | $72,157,500 | 3,863 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2140% | 3,073 |
| Cost of funding earning assets | 0.4086% | 3,661 |
| Net interest margin | 3.8055% | 2,548 |
| Noninterest income to average assets | 0.3190% | 4,045 |
| Noninterest expense to average assets | 2.6096% | 3,299 |
| Loan and lease loss provision to assets | 0.5684% | 185 |
| Net operating income to assets | 0.5803% | 4,563 |
| Return on assets (ROA) | 0.5803% | 4,556 |
| Pretax return on assets | 0.6651% | 4,602 |
| Return on Equity (ROE) | 4.8200% | 4,601 |
| Retained earnings to average equity (ytd only) | 4.8200% | 3,168 |
| Net charge-offs to loans | 1.0512% | 123 |
| Credit loss provision to net charge-offs | 87.9265% | 2,186 |
| Earnings coverage of net charge-offs (x) | 1.9081% | 3,017 |
| Efficiency ratio | 67.9029% | 2,665 |
| Assets per employee ($millions) | 4.3593% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7355% | 846 |
| Loan loss allowance to noncurrent loans | 53.8964% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 2.0266% | 528 |
| Noncurrent loans to loans | 3.2201% | 327 |
| Net loans and leases to total assets | 61.8443% | 3,620 |
| Net loans and leases to deposits | 72.8790% | 3,644 |
| Net loans and leases to core deposits | 74.1770% | 3,870 |
| Total domestic deposits to total assets | 84.8590% | 2,724 |
| Equity capital to assets | 12.6362% | 1,470 |
| Core capital (leverage) ratio | 12.8848% | 1,281 |
| Tier 1 risk-based capital ratio | 15.4225% | 2,676 |
| Total risk-based capital ratio | 16.6726% | 2,602 |
| Memoranda: | ||
| Average total assets | $117,870,670 | 3,891 |
| Average earning assets | $109,158,670 | 3,889 |
| Average equity | $14,191,000 | 3,775 |
| Average total loans | $72,489,330 | 3,884 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 2,914 |
| Cost of funding earning assets | 0.3773% | 3,757 |
| Net interest margin | 3.8122% | 2,375 |
| Noninterest income to average assets | 0.2997% | 4,158 |
| Noninterest expense to average assets | 2.5005% | 3,642 |
| Loan and lease loss provision to assets | 0.9989% | 85 |
| Net operating income to assets | 0.3263% | 5,058 |
| Return on assets (ROA) | 0.3263% | 5,063 |
| Pretax return on assets | 0.3330% | 5,117 |
| Return on Equity (ROE) | 2.7751% | 5,062 |
| Retained earnings to average equity (ytd only) | 2.7751% | 4,076 |
| Net charge-offs to loans | 0.4270% | 364 |
| Credit loss provision to net charge-offs | 384.6154% | 706 |
| Earnings coverage of net charge-offs (x) | 5.1282% | 2,256 |
| Efficiency ratio | 65.2476% | 3,285 |
| Assets per employee ($millions) | 4.7569% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2062% | 384 |
| Loan loss allowance to noncurrent loans | 53.1008% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 2.4176% | 395 |
| Noncurrent loans to loans | 4.1547% | 231 |
| Net loans and leases to total assets | 56.1721% | 4,108 |
| Net loans and leases to deposits | 64.1898% | 4,201 |
| Net loans and leases to core deposits | 65.2487% | 4,359 |
| Total domestic deposits to total assets | 87.5095% | 1,894 |
| Equity capital to assets | 11.8473% | 1,885 |
| Core capital (leverage) ratio | 11.8146% | 1,767 |
| Tier 1 risk-based capital ratio | 15.0639% | 2,840 |
| Total risk-based capital ratio | 16.3185% | 2,775 |
| Memoranda: | ||
| Average total assets | $120,135,500 | 3,896 |
| Average earning assets | $111,326,500 | 3,900 |
| Average equity | $14,125,500 | 3,815 |
| Average total loans | $73,067,500 | 3,907 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1110% | 3,020 |
| Cost of funding earning assets | 0.3579% | 3,637 |
| Net interest margin | 3.7531% | 2,588 |
| Noninterest income to average assets | 0.2828% | 4,435 |
| Noninterest expense to average assets | 2.3919% | 4,099 |
| Loan and lease loss provision to assets | 0.6728% | 181 |
| Net operating income to assets | 0.4659% | 4,472 |
| Return on assets (ROA) | 0.4659% | 4,507 |
| Pretax return on assets | 0.7116% | 4,481 |
| Return on Equity (ROE) | 4.0372% | 4,490 |
| Retained earnings to average equity (ytd only) | 3.2154% | 3,378 |
| Net charge-offs to loans | 0.9108% | 211 |
| Credit loss provision to net charge-offs | 116.7382% | 2,236 |
| Earnings coverage of net charge-offs (x) | 2.4020% | 3,745 |
| Efficiency ratio | 63.3406% | 3,710 |
| Assets per employee ($millions) | 5.0562% | 2,412 |
| Cash dividends to net income (ytd only)* | 20.3540% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6511% | 1,032 |
| Loan loss allowance to noncurrent loans | 36.6619% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 2.9189% | 283 |
| Noncurrent loans to loans | 4.5036% | 180 |
| Net loans and leases to total assets | 63.0759% | 3,481 |
| Net loans and leases to deposits | 71.8670% | 3,713 |
| Net loans and leases to core deposits | 72.9381% | 3,974 |
| Total domestic deposits to total assets | 87.7675% | 1,619 |
| Equity capital to assets | 11.6705% | 2,057 |
| Core capital (leverage) ratio | 12.0831% | 1,561 |
| Tier 1 risk-based capital ratio | 13.5973% | 3,575 |
| Total risk-based capital ratio | 14.8201% | 3,502 |
| Memoranda: | ||
| Average total assets | $121,282,600 | 3,870 |
| Average earning assets | $112,893,200 | 3,866 |
| Average equity | $13,995,000 | 3,846 |
| Average total loans | $76,743,200 | 3,807 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1197% | 2,919 |
| Cost of funding earning assets | 0.3561% | 3,610 |
| Net interest margin | 3.7636% | 2,530 |
| Noninterest income to average assets | 0.2991% | 4,389 |
| Noninterest expense to average assets | 2.3881% | 4,048 |
| Loan and lease loss provision to assets | 0.8092% | 133 |
| Net operating income to assets | 0.4761% | 4,806 |
| Return on assets (ROA) | 0.4761% | 4,846 |
| Pretax return on assets | 0.6113% | 4,821 |
| Return on Equity (ROE) | 4.1375% | 4,815 |
| Retained earnings to average equity (ytd only) | 3.0386% | 4,101 |
| Net charge-offs to loans | 1.1926% | 142 |
| Credit loss provision to net charge-offs | 107.6023% | 2,172 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 3,534 |
| Efficiency ratio | 62.7021% | 3,776 |
| Assets per employee ($millions) | 4.7562% | 2,752 |
| Cash dividends to net income (ytd only)* | 26.5589% | 2,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 1,381 |
| Loan loss allowance to noncurrent loans | 34.9871% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 2.9637% | 304 |
| Noncurrent loans to loans | 4.4120% | 205 |
| Net loans and leases to total assets | 65.4416% | 3,184 |
| Net loans and leases to deposits | 77.5635% | 3,217 |
| Net loans and leases to core deposits | 78.7910% | 3,559 |
| Total domestic deposits to total assets | 84.3717% | 2,970 |
| Equity capital to assets | 11.9700% | 1,984 |
| Core capital (leverage) ratio | 11.9286% | 1,739 |
| Tier 1 risk-based capital ratio | 14.5158% | 3,173 |
| Total risk-based capital ratio | 15.7656% | 3,086 |
| Memoranda: | ||
| Average total assets | $121,266,000 | 3,916 |
| Average earning assets | $113,079,000 | 3,899 |
| Average equity | $13,953,250 | 3,887 |
| Average total loans | $76,472,250 | 3,852 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0473% | 3,019 |
| Cost of funding earning assets | 0.3509% | 3,572 |
| Net interest margin | 3.6964% | 2,673 |
| Noninterest income to average assets | 0.2818% | 4,541 |
| Noninterest expense to average assets | 2.4104% | 4,022 |
| Loan and lease loss provision to assets | 1.2060% | 81 |
| Net operating income to assets | 0.1753% | 5,432 |
| Return on assets (ROA) | 0.1753% | 5,436 |
| Pretax return on assets | 0.1180% | 5,493 |
| Return on Equity (ROE) | 1.5440% | 5,405 |
| Retained earnings to average equity (ytd only) | -0.1154% | 5,092 |
| Net charge-offs to loans | 1.7615% | 97 |
| Credit loss provision to net charge-offs | 110.5105% | 1,884 |
| Earnings coverage of net charge-offs (x) | 1.2132% | 3,308 |
| Efficiency ratio | 64.5459% | 3,585 |
| Assets per employee ($millions) | 4.6043% | 2,937 |
| Cash dividends to net income (ytd only)* | 107.4766% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 1,260 |
| Loan loss allowance to noncurrent loans | 27.7019% | 5,007 |
| Noncurrent assets plus other real estate owned to assets | 3.7640% | 195 |
| Noncurrent loans to loans | 5.7705% | 108 |
| Net loans and leases to total assets | 63.6589% | 3,438 |
| Net loans and leases to deposits | 73.3030% | 3,619 |
| Net loans and leases to core deposits | 74.4204% | 3,907 |
| Total domestic deposits to total assets | 86.8435% | 2,019 |
| Equity capital to assets | 11.6387% | 2,202 |
| Core capital (leverage) ratio | 11.2546% | 2,176 |
| Tier 1 risk-based capital ratio | 14.1823% | 3,320 |
| Total risk-based capital ratio | 15.4323% | 3,241 |
| Memoranda: | ||
| Average total assets | $122,052,670 | 3,932 |
| Average earning assets | $114,002,670 | 3,910 |
| Average equity | $13,860,000 | 3,907 |
| Average total loans | $75,618,330 | 3,890 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9105% | 3,365 |
| Cost of funding earning assets | 0.3435% | 3,592 |
| Net interest margin | 3.5670% | 3,022 |
| Noninterest income to average assets | 0.3181% | 4,277 |
| Noninterest expense to average assets | 2.3600% | 4,230 |
| Loan and lease loss provision to assets | 0.3928% | 289 |
| Net operating income to assets | 0.6590% | 3,890 |
| Return on assets (ROA) | 0.6590% | 3,929 |
| Pretax return on assets | 0.9024% | 3,759 |
| Return on Equity (ROE) | 5.8741% | 3,969 |
| Retained earnings to average equity (ytd only) | 2.5464% | 4,122 |
| Net charge-offs to loans | 0.0857% | 1,495 |
| Credit loss provision to net charge-offs | 756.2500% | 415 |
| Earnings coverage of net charge-offs (x) | 24.9375% | 1,341 |
| Efficiency ratio | 64.5648% | 3,735 |
| Assets per employee ($millions) | 4.5800% | 3,036 |
| Cash dividends to net income (ytd only)* | 56.6502% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 1,032 |
| Loan loss allowance to noncurrent loans | 31.7231% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 3.2767% | 279 |
| Noncurrent loans to loans | 5.5503% | 133 |
| Net loans and leases to total assets | 57.4818% | 4,015 |
| Net loans and leases to deposits | 65.1650% | 4,239 |
| Net loans and leases to core deposits | 66.4541% | 4,401 |
| Total domestic deposits to total assets | 88.2096% | 1,590 |
| Equity capital to assets | 11.2486% | 2,386 |
| Core capital (leverage) ratio | 11.2034% | 2,182 |
| Tier 1 risk-based capital ratio | 14.9502% | 2,989 |
| Total risk-based capital ratio | 16.2019% | 2,916 |
| Memoranda: | ||
| Average total assets | $123,222,500 | 3,947 |
| Average earning assets | $115,280,000 | 3,929 |
| Average equity | $13,823,500 | 3,945 |
| Average total loans | $74,704,500 | 3,931 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 2,533 |
| Cost of funding earning assets | 0.3180% | 3,865 |
| Net interest margin | 3.8673% | 2,072 |
| Noninterest income to average assets | 0.2764% | 4,766 |
| Noninterest expense to average assets | 2.3541% | 4,408 |
| Loan and lease loss provision to assets | 0.5807% | 226 |
| Net operating income to assets | 0.6755% | 3,890 |
| Return on assets (ROA) | 0.6761% | 4,001 |
| Pretax return on assets | 0.9434% | 3,676 |
| Return on Equity (ROE) | 5.9483% | 4,004 |
| Retained earnings to average equity (ytd only) | 4.1392% | 2,960 |
| Net charge-offs to loans | 0.8262% | 241 |
| Credit loss provision to net charge-offs | 103.0657% | 2,511 |
| Earnings coverage of net charge-offs (x) | 2.7036% | 3,783 |
| Efficiency ratio | 60.7128% | 4,466 |
| Assets per employee ($millions) | 4.5476% | 3,044 |
| Cash dividends to net income (ytd only)* | 30.4136% | 3,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 1,604 |
| Loan loss allowance to noncurrent loans | 23.3393% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 4.1129% | 184 |
| Noncurrent loans to loans | 6.5059% | 84 |
| Net loans and leases to total assets | 61.8015% | 3,634 |
| Net loans and leases to deposits | 70.0888% | 3,892 |
| Net loans and leases to core deposits | 71.4839% | 4,114 |
| Total domestic deposits to total assets | 88.1761% | 1,546 |
| Equity capital to assets | 11.1878% | 2,434 |
| Core capital (leverage) ratio | 11.5007% | 1,925 |
| Tier 1 risk-based capital ratio | 14.6448% | 3,124 |
| Total risk-based capital ratio | 15.8829% | 3,071 |
| Memoranda: | ||
| Average total assets | $121,576,400 | 3,965 |
| Average earning assets | $113,205,200 | 3,944 |
| Average equity | $13,819,000 | 3,962 |
| Average total loans | $82,910,200 | 3,742 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3337% | 2,063 |
| Cost of funding earning assets | 0.3188% | 3,882 |
| Net interest margin | 4.0149% | 1,607 |
| Noninterest income to average assets | 0.2573% | 4,922 |
| Noninterest expense to average assets | 2.3011% | 4,530 |
| Loan and lease loss provision to assets | 0.3573% | 445 |
| Net operating income to assets | 0.9491% | 2,656 |
| Return on assets (ROA) | 0.9499% | 2,794 |
| Pretax return on assets | 1.3380% | 2,277 |
| Return on Equity (ROE) | 8.3238% | 2,842 |
| Retained earnings to average equity (ytd only) | 7.1195% | 1,564 |
| Net charge-offs to loans | 0.2054% | 1,140 |
| Credit loss provision to net charge-offs | 250.0000% | 1,196 |
| Earnings coverage of net charge-offs (x) | 11.8538% | 2,439 |
| Efficiency ratio | 57.5949% | 4,876 |
| Assets per employee ($millions) | 4.6602% | 2,819 |
| Cash dividends to net income (ytd only)* | 14.4674% | 3,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6300% | 1,383 |
| Loan loss allowance to noncurrent loans | 33.3003% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 3.5080% | 283 |
| Noncurrent loans to loans | 4.8947% | 175 |
| Net loans and leases to total assets | 69.5695% | 2,558 |
| Net loans and leases to deposits | 79.9755% | 2,966 |
| Net loans and leases to core deposits | 81.6777% | 3,310 |
| Total domestic deposits to total assets | 86.9885% | 1,905 |
| Equity capital to assets | 12.2012% | 1,981 |
| Core capital (leverage) ratio | 11.7293% | 1,860 |
| Tier 1 risk-based capital ratio | 14.1651% | 3,475 |
| Total risk-based capital ratio | 15.4161% | 3,400 |
| Memoranda: | ||
| Average total assets | $121,274,250 | 3,989 |
| Average earning assets | $112,910,750 | 3,973 |
| Average equity | $13,839,500 | 3,995 |
| Average total loans | $84,374,500 | 3,719 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 2,236 |
| Cost of funding earning assets | 0.3165% | 3,947 |
| Net interest margin | 3.9571% | 1,782 |
| Noninterest income to average assets | 0.2571% | 4,938 |
| Noninterest expense to average assets | 2.2311% | 4,775 |
| Loan and lease loss provision to assets | 0.2343% | 853 |
| Net operating income to assets | 1.0057% | 2,364 |
| Return on assets (ROA) | 1.0057% | 2,500 |
| Pretax return on assets | 1.4744% | 1,755 |
| Return on Equity (ROE) | 8.9884% | 2,494 |
| Retained earnings to average equity (ytd only) | 8.9884% | 851 |
| Net charge-offs to loans | 0.0870% | 1,973 |
| Credit loss provision to net charge-offs | 389.1892% | 789 |
| Earnings coverage of net charge-offs (x) | 28.3784% | 1,430 |
| Efficiency ratio | 56.6295% | 5,063 |
| Assets per employee ($millions) | 4.8955% | 2,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4581% | 2,033 |
| Loan loss allowance to noncurrent loans | 46.1058% | 4,904 |
| Noncurrent assets plus other real estate owned to assets | 2.2682% | 661 |
| Noncurrent loans to loans | 3.1626% | 450 |
| Net loans and leases to total assets | 69.2998% | 2,584 |
| Net loans and leases to deposits | 80.8893% | 2,827 |
| Net loans and leases to core deposits | 82.5497% | 3,220 |
| Total domestic deposits to total assets | 85.6725% | 2,571 |
| Equity capital to assets | 11.5568% | 2,489 |
| Core capital (leverage) ratio | 11.2985% | 2,152 |
| Tier 1 risk-based capital ratio | 13.6096% | 3,829 |
| Total risk-based capital ratio | 14.8398% | 3,764 |
| Memoranda: | ||
| Average total assets | $122,900,670 | 3,996 |
| Average earning assets | $114,376,000 | 3,972 |
| Average equity | $13,751,000 | 4,024 |
| Average total loans | $85,034,330 | 3,721 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1577% | 2,627 |
| Cost of funding earning assets | 0.3177% | 3,976 |
| Net interest margin | 3.8400% | 2,144 |
| Noninterest income to average assets | 0.2696% | 4,805 |
| Noninterest expense to average assets | 2.1728% | 4,969 |
| Loan and lease loss provision to assets | 0.2728% | 615 |
| Net operating income to assets | 0.9906% | 2,323 |
| Return on assets (ROA) | 0.9906% | 2,436 |
| Pretax return on assets | 1.3966% | 1,916 |
| Return on Equity (ROE) | 9.0007% | 2,425 |
| Retained earnings to average equity (ytd only) | 9.0007% | 1,115 |
| Net charge-offs to loans | 0.0663% | 1,829 |
| Credit loss provision to net charge-offs | 600.0000% | 524 |
| Earnings coverage of net charge-offs (x) | 36.7143% | 1,068 |
| Efficiency ratio | 56.5511% | 5,144 |
| Assets per employee ($millions) | 4.8377% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4366% | 2,260 |
| Loan loss allowance to noncurrent loans | 36.9909% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 2.7649% | 493 |
| Noncurrent loans to loans | 3.8838% | 321 |
| Net loans and leases to total assets | 69.0358% | 2,490 |
| Net loans and leases to deposits | 78.9616% | 2,899 |
| Net loans and leases to core deposits | 80.5678% | 3,277 |
| Total domestic deposits to total assets | 87.4296% | 1,972 |
| Equity capital to assets | 11.3640% | 2,564 |
| Core capital (leverage) ratio | 10.9181% | 2,478 |
| Tier 1 risk-based capital ratio | 13.4011% | 4,046 |
| Total risk-based capital ratio | 14.6026% | 3,995 |
| Memoranda: | ||
| Average total assets | $123,157,500 | 4,025 |
| Average earning assets | $114,582,000 | 3,999 |
| Average equity | $13,554,500 | 4,069 |
| Average total loans | $84,517,000 | 3,739 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 2,718 |
| Cost of funding earning assets | 0.3187% | 4,048 |
| Net interest margin | 3.8366% | 2,252 |
| Noninterest income to average assets | 0.2839% | 4,858 |
| Noninterest expense to average assets | 2.1232% | 5,206 |
| Loan and lease loss provision to assets | 0.6763% | 150 |
| Net operating income to assets | 0.7326% | 3,662 |
| Return on assets (ROA) | 0.7235% | 3,799 |
| Pretax return on assets | 1.0488% | 3,270 |
| Return on Equity (ROE) | 6.6739% | 3,697 |
| Retained earnings to average equity (ytd only) | 4.1158% | 3,075 |
| Net charge-offs to loans | 0.8413% | 258 |
| Credit loss provision to net charge-offs | 120.6795% | 2,135 |
| Earnings coverage of net charge-offs (x) | 3.1019% | 3,775 |
| Efficiency ratio | 54.9839% | 5,442 |
| Assets per employee ($millions) | 5.2238% | 2,093 |
| Cash dividends to net income (ytd only)* | 38.3295% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 2,606 |
| Loan loss allowance to noncurrent loans | 308.6022% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.3398% | 4,229 |
| Noncurrent loans to loans | 0.4412% | 3,889 |
| Net loans and leases to total assets | 66.3426% | 2,938 |
| Net loans and leases to deposits | 74.7654% | 3,402 |
| Net loans and leases to core deposits | 77.0553% | 3,664 |
| Total domestic deposits to total assets | 88.7343% | 1,265 |
| Equity capital to assets | 10.6603% | 3,180 |
| Core capital (leverage) ratio | 10.8369% | 2,576 |
| Tier 1 risk-based capital ratio | 13.2470% | 4,138 |
| Total risk-based capital ratio | 14.3933% | 4,131 |
| Memoranda: | ||
| Average total assets | $120,808,400 | 4,055 |
| Average earning assets | $112,651,800 | 4,021 |
| Average equity | $13,095,800 | 4,123 |
| Average total loans | $80,471,600 | 3,812 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0907% | 2,983 |
| Cost of funding earning assets | 0.3183% | 4,129 |
| Net interest margin | 3.7724% | 2,486 |
| Noninterest income to average assets | 0.2897% | 4,873 |
| Noninterest expense to average assets | 2.1492% | 5,172 |
| Loan and lease loss provision to assets | 0.8490% | 79 |
| Net operating income to assets | 0.5925% | 4,419 |
| Return on assets (ROA) | 0.5950% | 4,509 |
| Pretax return on assets | 0.8200% | 4,275 |
| Return on Equity (ROE) | 5.4648% | 4,420 |
| Retained earnings to average equity (ytd only) | 2.0365% | 4,859 |
| Net charge-offs to loans | 1.1588% | 145 |
| Credit loss provision to net charge-offs | 110.2750% | 2,114 |
| Earnings coverage of net charge-offs (x) | 2.1635% | 3,719 |
| Efficiency ratio | 56.3376% | 5,305 |
| Assets per employee ($millions) | 5.0354% | 2,263 |
| Cash dividends to net income (ytd only)* | 62.7349% | 1,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2983% | 3,105 |
| Loan loss allowance to noncurrent loans | 192.3351% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 3,791 |
| Noncurrent loans to loans | 0.6750% | 3,302 |
| Net loans and leases to total assets | 67.8781% | 2,695 |
| Net loans and leases to deposits | 79.6470% | 2,921 |
| Net loans and leases to core deposits | 82.8686% | 3,162 |
| Total domestic deposits to total assets | 85.2237% | 2,919 |
| Equity capital to assets | 10.8151% | 3,224 |
| Core capital (leverage) ratio | 10.8958% | 2,594 |
| Tier 1 risk-based capital ratio | 13.1415% | 4,351 |
| Total risk-based capital ratio | 14.2261% | 4,365 |
| Memoranda: | ||
| Average total assets | $119,667,500 | 4,122 |
| Average earning assets | $111,827,000 | 4,087 |
| Average equity | $13,028,500 | 4,178 |
| Average total loans | $79,508,750 | 3,876 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1533% | 2,710 |
| Cost of funding earning assets | 0.3178% | 4,189 |
| Net interest margin | 3.8355% | 2,189 |
| Noninterest income to average assets | 0.2683% | 5,034 |
| Noninterest expense to average assets | 2.1379% | 5,254 |
| Loan and lease loss provision to assets | 0.1341% | 1,636 |
| Net operating income to assets | 1.0581% | 2,108 |
| Return on assets (ROA) | 1.0614% | 2,203 |
| Pretax return on assets | 1.5829% | 1,382 |
| Return on Equity (ROE) | 9.7275% | 2,195 |
| Retained earnings to average equity (ytd only) | 6.2698% | 2,078 |
| Net charge-offs to loans | 0.0255% | 3,171 |
| Credit loss provision to net charge-offs | 800.0000% | 426 |
| Earnings coverage of net charge-offs (x) | 102.1000% | 591 |
| Efficiency ratio | 55.5314% | 5,471 |
| Assets per employee ($millions) | 5.0526% | 2,209 |
| Cash dividends to net income (ytd only)* | 35.5450% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3161% | 3,153 |
| Loan loss allowance to noncurrent loans | 69.9546% | 4,480 |
| Noncurrent assets plus other real estate owned to assets | 1.3153% | 1,910 |
| Noncurrent loans to loans | 1.8814% | 1,328 |
| Net loans and leases to total assets | 66.6581% | 2,843 |
| Net loans and leases to deposits | 77.6035% | 3,078 |
| Net loans and leases to core deposits | 80.7043% | 3,305 |
| Total domestic deposits to total assets | 85.8958% | 2,744 |
| Equity capital to assets | 10.8608% | 3,039 |
| Core capital (leverage) ratio | 10.9468% | 2,483 |
| Tier 1 risk-based capital ratio | 13.3468% | 4,312 |
| Total risk-based capital ratio | 14.4390% | 4,329 |
| Memoranda: | ||
| Average total assets | $119,273,670 | 4,170 |
| Average earning assets | $111,381,670 | 4,126 |
| Average equity | $13,014,670 | 4,208 |
| Average total loans | $78,308,670 | 3,937 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1086% | 2,792 |
| Cost of funding earning assets | 0.3188% | 4,236 |
| Net interest margin | 3.7898% | 2,261 |
| Noninterest income to average assets | 0.2536% | 5,145 |
| Noninterest expense to average assets | 2.1069% | 5,365 |
| Loan and lease loss provision to assets | 0.0338% | 3,217 |
| Net operating income to assets | 1.0991% | 1,874 |
| Return on assets (ROA) | 1.0991% | 1,983 |
| Pretax return on assets | 1.6503% | 1,154 |
| Return on Equity (ROE) | 10.0487% | 1,980 |
| Retained earnings to average equity (ytd only) | 6.4930% | 2,241 |
| Net charge-offs to loans | 0.0314% | 2,561 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 578 |
| Efficiency ratio | 55.5754% | 5,550 |
| Assets per employee ($millions) | 5.3615% | 1,935 |
| Cash dividends to net income (ytd only)* | 35.3846% | 2,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3020% | 3,390 |
| Loan loss allowance to noncurrent loans | 189.6811% | 2,323 |
| Noncurrent assets plus other real estate owned to assets | 0.4977% | 4,035 |
| Noncurrent loans to loans | 0.6864% | 3,561 |
| Net loans and leases to total assets | 64.9742% | 2,943 |
| Net loans and leases to deposits | 74.2317% | 3,283 |
| Net loans and leases to core deposits | 76.3375% | 3,559 |
| Total domestic deposits to total assets | 87.5289% | 2,091 |
| Equity capital to assets | 11.1282% | 2,833 |
| Core capital (leverage) ratio | 10.8112% | 2,613 |
| Tier 1 risk-based capital ratio | 13.6567% | 4,244 |
| Total risk-based capital ratio | 14.7291% | 4,252 |
| Memoranda: | ||
| Average total assets | $118,279,500 | 4,218 |
| Average earning assets | $110,402,500 | 4,171 |
| Average equity | $12,937,000 | 4,246 |
| Average total loans | $76,508,500 | 4,003 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 3,459 |
| Cost of funding earning assets | 0.3409% | 4,355 |
| Net interest margin | 3.7241% | 2,907 |
| Noninterest income to average assets | 0.2796% | 5,115 |
| Noninterest expense to average assets | 2.1904% | 5,375 |
| Loan and lease loss provision to assets | 0.2147% | 1,162 |
| Net operating income to assets | 0.9291% | 2,733 |
| Return on assets (ROA) | 0.9196% | 2,877 |
| Pretax return on assets | 1.3196% | 2,178 |
| Return on Equity (ROE) | 8.9939% | 2,586 |
| Retained earnings to average equity (ytd only) | 7.0996% | 1,354 |
| Net charge-offs to loans | 0.5358% | 762 |
| Credit loss provision to net charge-offs | 63.7500% | 3,212 |
| Earnings coverage of net charge-offs (x) | 4.5950% | 3,611 |
| Efficiency ratio | 58.5943% | 5,393 |
| Assets per employee ($millions) | 5.3912% | 1,868 |
| Cash dividends to net income (ytd only)* | 21.0623% | 3,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3361% | 3,248 |
| Loan loss allowance to noncurrent loans | 263.6126% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3676% | 4,598 |
| Noncurrent loans to loans | 0.5069% | 4,146 |
| Net loans and leases to total assets | 62.6950% | 3,409 |
| Net loans and leases to deposits | 70.8042% | 3,807 |
| Net loans and leases to core deposits | 73.4057% | 3,975 |
| Total domestic deposits to total assets | 88.5470% | 1,499 |
| Equity capital to assets | 10.7482% | 3,182 |
| Core capital (leverage) ratio | 10.7693% | 2,652 |
| Tier 1 risk-based capital ratio | 11.9584% | 5,389 |
| Total risk-based capital ratio | 12.9046% | 5,480 |
| Memoranda: | ||
| Average total assets | $118,744,800 | 4,206 |
| Average earning assets | $110,282,400 | 4,177 |
| Average equity | $12,141,600 | 4,330 |
| Average total loans | $74,649,600 | 4,036 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0204% | 3,686 |
| Cost of funding earning assets | 0.3468% | 4,374 |
| Net interest margin | 3.6736% | 3,135 |
| Noninterest income to average assets | 0.2851% | 5,161 |
| Noninterest expense to average assets | 2.1709% | 5,406 |
| Loan and lease loss provision to assets | 0.2301% | 964 |
| Net operating income to assets | 0.8879% | 2,968 |
| Return on assets (ROA) | 0.8879% | 3,072 |
| Pretax return on assets | 1.2965% | 2,388 |
| Return on Equity (ROE) | 8.7960% | 2,788 |
| Retained earnings to average equity (ytd only) | 7.5172% | 1,574 |
| Net charge-offs to loans | 0.6768% | 517 |
| Credit loss provision to net charge-offs | 54.2328% | 3,039 |
| Earnings coverage of net charge-offs (x) | 3.5979% | 3,630 |
| Efficiency ratio | 58.7128% | 5,349 |
| Assets per employee ($millions) | 5.3315% | 1,876 |
| Cash dividends to net income (ytd only)* | 14.5386% | 3,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 3,739 |
| Loan loss allowance to noncurrent loans | 308.8328% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.2703% | 5,175 |
| Noncurrent loans to loans | 0.4152% | 4,665 |
| Net loans and leases to total assets | 64.2584% | 3,143 |
| Net loans and leases to deposits | 72.7636% | 3,591 |
| Net loans and leases to core deposits | 75.2481% | 3,832 |
| Total domestic deposits to total assets | 88.3112% | 1,598 |
| Equity capital to assets | 10.6137% | 3,415 |
| Core capital (leverage) ratio | 10.6521% | 2,858 |
| Tier 1 risk-based capital ratio | 11.7253% | 5,660 |
| Total risk-based capital ratio | 12.6407% | 5,775 |
| Memoranda: | ||
| Average total assets | $118,779,500 | 4,244 |
| Average earning assets | $110,335,250 | 4,211 |
| Average equity | $11,990,000 | 4,390 |
| Average total loans | $74,470,250 | 4,066 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 4,016 |
| Cost of funding earning assets | 0.3538% | 4,395 |
| Net interest margin | 3.5763% | 3,459 |
| Noninterest income to average assets | 0.2867% | 5,130 |
| Noninterest expense to average assets | 2.1547% | 5,514 |
| Loan and lease loss provision to assets | 0.3437% | 524 |
| Net operating income to assets | 0.7613% | 3,507 |
| Return on assets (ROA) | 0.7613% | 3,614 |
| Pretax return on assets | 1.1100% | 3,063 |
| Return on Equity (ROE) | 7.6709% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.6709% | 1,448 |
| Net charge-offs to loans | 1.0238% | 344 |
| Credit loss provision to net charge-offs | 54.2328% | 2,730 |
| Earnings coverage of net charge-offs (x) | 2.2937% | 3,581 |
| Efficiency ratio | 59.7119% | 5,334 |
| Assets per employee ($millions) | 4.9601% | 2,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 4,117 |
| Loan loss allowance to noncurrent loans | 93.5053% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 3,346 |
| Noncurrent loans to loans | 1.3435% | 2,563 |
| Net loans and leases to total assets | 64.6430% | 2,975 |
| Net loans and leases to deposits | 73.4263% | 3,398 |
| Net loans and leases to core deposits | 75.3806% | 3,693 |
| Total domestic deposits to total assets | 88.0379% | 1,879 |
| Equity capital to assets | 10.2778% | 3,722 |
| Core capital (leverage) ratio | 10.3413% | 3,150 |
| Tier 1 risk-based capital ratio | 11.4612% | 5,825 |
| Total risk-based capital ratio | 12.3721% | 5,931 |
| Memoranda: | ||
| Average total assets | $119,275,330 | 4,256 |
| Average earning assets | $110,785,330 | 4,226 |
| Average equity | $11,837,000 | 4,428 |
| Average total loans | $73,844,000 | 4,108 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7510% | 4,661 |
| Cost of funding earning assets | 0.3607% | 4,431 |
| Net interest margin | 3.3904% | 4,165 |
| Noninterest income to average assets | 0.2647% | 5,245 |
| Noninterest expense to average assets | 2.1107% | 5,660 |
| Loan and lease loss provision to assets | 0.5025% | 293 |
| Net operating income to assets | 0.5294% | 4,559 |
| Return on assets (ROA) | 0.5294% | 4,626 |
| Pretax return on assets | 0.8007% | 4,113 |
| Return on Equity (ROE) | 5.4305% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.4305% | 2,830 |
| Net charge-offs to loans | 2.1058% | 119 |
| Credit loss provision to net charge-offs | 39.6825% | 2,302 |
| Earnings coverage of net charge-offs (x) | 1.0291% | 3,204 |
| Efficiency ratio | 61.8253% | 5,149 |
| Assets per employee ($millions) | 5.2594% | 1,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 4,259 |
| Loan loss allowance to noncurrent loans | 98.9305% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 0.7729% | 3,812 |
| Noncurrent loans to loans | 1.2871% | 2,881 |
| Net loans and leases to total assets | 59.2881% | 3,667 |
| Net loans and leases to deposits | 66.0135% | 4,093 |
| Net loans and leases to core deposits | 67.7061% | 4,343 |
| Total domestic deposits to total assets | 89.8121% | 1,177 |
| Equity capital to assets | 9.7415% | 4,176 |
| Core capital (leverage) ratio | 9.9875% | 3,591 |
| Tier 1 risk-based capital ratio | 11.7595% | 5,786 |
| Total risk-based capital ratio | 12.6642% | 5,910 |
| Memoranda: | ||
| Average total assets | $119,391,500 | 4,292 |
| Average earning assets | $110,903,000 | 4,252 |
| Average equity | $11,638,000 | 4,485 |
| Average total loans | $71,800,000 | 4,209 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0673% | 3,856 |
| Cost of funding earning assets | 0.3832% | 4,818 |
| Net interest margin | 3.6841% | 3,119 |
| Noninterest income to average assets | 0.2709% | 5,415 |
| Noninterest expense to average assets | 2.0137% | 6,007 |
| Loan and lease loss provision to assets | 0.2064% | 1,793 |
| Net operating income to assets | 0.9970% | 2,331 |
| Return on assets (ROA) | 0.9947% | 2,420 |
| Pretax return on assets | 1.4641% | 1,568 |
| Return on Equity (ROE) | 10.1793% | 2,038 |
| Retained earnings to average equity (ytd only) | 10.1793% | 532 |
| Net charge-offs to loans | 0.0203% | 5,027 |
| Credit loss provision to net charge-offs | 1,692.8571% | 147 |
| Earnings coverage of net charge-offs (x) | 137.2857% | 338 |
| Efficiency ratio | 54.6056% | 6,084 |
| Assets per employee ($millions) | 5.1224% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6235% | 2,671 |
| Loan loss allowance to noncurrent loans | 83.7209% | 4,076 |
| Noncurrent assets plus other real estate owned to assets | 1.1679% | 3,064 |
| Noncurrent loans to loans | 1.9392% | 2,062 |
| Net loans and leases to total assets | 59.2483% | 3,835 |
| Net loans and leases to deposits | 65.9792% | 4,297 |
| Net loans and leases to core deposits | 68.1839% | 4,496 |
| Total domestic deposits to total assets | 89.7985% | 1,179 |
| Equity capital to assets | 9.7542% | 4,098 |
| Core capital (leverage) ratio | 10.2382% | 3,237 |
| Tier 1 risk-based capital ratio | 11.8104% | 5,733 |
| Total risk-based capital ratio | 12.9571% | 5,733 |
| Memoranda: | ||
| Average total assets | $114,811,400 | 4,389 |
| Average earning assets | $106,483,200 | 4,352 |
| Average equity | $11,218,800 | 4,594 |
| Average total loans | $68,868,600 | 4,314 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0732% | 3,857 |
| Cost of funding earning assets | 0.3848% | 4,953 |
| Net interest margin | 3.6884% | 3,072 |
| Noninterest income to average assets | 0.2724% | 5,498 |
| Noninterest expense to average assets | 2.0176% | 5,978 |
| Loan and lease loss provision to assets | 0.1403% | 2,540 |
| Net operating income to assets | 1.0435% | 2,211 |
| Return on assets (ROA) | 1.0404% | 2,305 |
| Pretax return on assets | 1.5383% | 1,502 |
| Return on Equity (ROE) | 10.6420% | 1,944 |
| Retained earnings to average equity (ytd only) | 10.6420% | 652 |
| Net charge-offs to loans | 0.0293% | 4,546 |
| Credit loss provision to net charge-offs | 800.0000% | 367 |
| Earnings coverage of net charge-offs (x) | 95.9975% | 513 |
| Efficiency ratio | 54.5167% | 6,056 |
| Assets per employee ($millions) | 5.0179% | 2,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 3,227 |
| Loan loss allowance to noncurrent loans | 72.6508% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 1.2356% | 3,172 |
| Noncurrent loans to loans | 2.1343% | 2,092 |
| Net loans and leases to total assets | 56.9928% | 4,171 |
| Net loans and leases to deposits | 63.6421% | 4,552 |
| Net loans and leases to core deposits | 65.8300% | 4,732 |
| Total domestic deposits to total assets | 89.5521% | 1,263 |
| Equity capital to assets | 9.8422% | 4,114 |
| Core capital (leverage) ratio | 10.0420% | 3,620 |
| Tier 1 risk-based capital ratio | 11.7372% | 5,928 |
| Total risk-based capital ratio | 12.7846% | 6,011 |
| Memoranda: | ||
| Average total assets | $114,060,250 | 4,446 |
| Average earning assets | $106,022,750 | 4,406 |
| Average equity | $11,150,500 | 4,660 |
| Average total loans | $68,346,750 | 4,364 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 3,553 |
| Cost of funding earning assets | 0.3863% | 5,066 |
| Net interest margin | 3.7607% | 2,719 |
| Noninterest income to average assets | 0.2641% | 5,566 |
| Noninterest expense to average assets | 1.9224% | 6,180 |
| Loan and lease loss provision to assets | 0.1056% | 3,026 |
| Net operating income to assets | 1.1737% | 1,659 |
| Return on assets (ROA) | 1.1689% | 1,784 |
| Pretax return on assets | 1.7252% | 1,056 |
| Return on Equity (ROE) | 11.9845% | 1,498 |
| Retained earnings to average equity (ytd only) | 11.9845% | 492 |
| Net charge-offs to loans | 0.0319% | 4,240 |
| Credit loss provision to net charge-offs | 545.4545% | 521 |
| Earnings coverage of net charge-offs (x) | 94.9091% | 490 |
| Efficiency ratio | 51.1236% | 6,346 |
| Assets per employee ($millions) | 4.9731% | 2,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3874% | 4,098 |
| Loan loss allowance to noncurrent loans | 61.6352% | 4,717 |
| Noncurrent assets plus other real estate owned to assets | 1.3901% | 3,022 |
| Noncurrent loans to loans | 2.2510% | 2,116 |
| Net loans and leases to total assets | 60.8982% | 3,502 |
| Net loans and leases to deposits | 67.8915% | 4,031 |
| Net loans and leases to core deposits | 70.5256% | 4,215 |
| Total domestic deposits to total assets | 89.6993% | 1,205 |
| Equity capital to assets | 9.6782% | 4,343 |
| Core capital (leverage) ratio | 9.8219% | 3,769 |
| Tier 1 risk-based capital ratio | 11.4076% | 6,155 |
| Total risk-based capital ratio | 12.3894% | 6,250 |
| Memoranda: | ||
| Average total assets | $113,610,000 | 4,493 |
| Average earning assets | $105,618,670 | 4,445 |
| Average equity | $11,081,000 | 4,707 |
| Average total loans | $68,858,330 | 4,352 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 3,859 |
| Cost of funding earning assets | 0.3964% | 5,138 |
| Net interest margin | 3.6710% | 2,985 |
| Noninterest income to average assets | 0.2473% | 5,693 |
| Noninterest expense to average assets | 1.9572% | 6,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1176% | 1,792 |
| Return on assets (ROA) | 1.1199% | 1,890 |
| Pretax return on assets | 1.6957% | 1,088 |
| Return on Equity (ROE) | 11.4373% | 1,580 |
| Retained earnings to average equity (ytd only) | 11.4373% | 794 |
| Net charge-offs to loans | 0.0942% | 2,907 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 29.9375% | 957 |
| Efficiency ratio | 53.6302% | 6,256 |
| Assets per employee ($millions) | 5.7897% | 1,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2976% | 4,713 |
| Loan loss allowance to noncurrent loans | 87.2970% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 0.9042% | 4,130 |
| Noncurrent loans to loans | 1.4864% | 3,327 |
| Net loans and leases to total assets | 60.0411% | 3,423 |
| Net loans and leases to deposits | 67.0040% | 3,915 |
| Net loans and leases to core deposits | 69.3638% | 4,148 |
| Total domestic deposits to total assets | 89.6083% | 1,291 |
| Equity capital to assets | 9.6818% | 4,588 |
| Core capital (leverage) ratio | 9.5492% | 3,999 |
| Tier 1 risk-based capital ratio | 11.1795% | 6,327 |
| Total risk-based capital ratio | 12.1051% | 6,434 |
| Memoranda: | ||
| Average total assets | $113,224,500 | 4,544 |
| Average earning assets | $104,931,500 | 4,493 |
| Average equity | $11,086,500 | 4,753 |
| Average total loans | $67,969,500 | 4,421 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0327% | 5,215 |
| Cost of funding earning assets | 0.4909% | 5,284 |
| Net interest margin | 3.5418% | 4,332 |
| Noninterest income to average assets | 0.3634% | 4,882 |
| Noninterest expense to average assets | 2.1284% | 6,067 |
| Loan and lease loss provision to assets | 0.3060% | 2,236 |
| Net operating income to assets | 0.8300% | 3,140 |
| Return on assets (ROA) | 0.8294% | 3,396 |
| Pretax return on assets | 1.1900% | 2,834 |
| Return on Equity (ROE) | 8.4778% | 2,878 |
| Retained earnings to average equity (ytd only) | 8.4778% | 971 |
| Net charge-offs to loans | 0.3236% | 3,031 |
| Credit loss provision to net charge-offs | 163.8614% | 1,640 |
| Earnings coverage of net charge-offs (x) | 8.0149% | 2,490 |
| Efficiency ratio | 58.7095% | 5,736 |
| Assets per employee ($millions) | 5.5328% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 4,072 |
| Loan loss allowance to noncurrent loans | 85.9519% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.9778% | 4,072 |
| Noncurrent loans to loans | 1.6519% | 3,146 |
| Net loans and leases to total assets | 58.3534% | 3,909 |
| Net loans and leases to deposits | 65.1522% | 4,398 |
| Net loans and leases to core deposits | 67.2741% | 4,618 |
| Total domestic deposits to total assets | 89.5649% | 1,211 |
| Equity capital to assets | 9.9065% | 4,306 |
| Core capital (leverage) ratio | 9.9607% | 3,450 |
| Tier 1 risk-based capital ratio | 11.3602% | 6,184 |
| Total risk-based capital ratio | 12.3456% | 6,276 |
| Memoranda: | ||
| Average total assets | $108,155,800 | 4,632 |
| Average earning assets | $99,609,800 | 4,601 |
| Average equity | $10,580,600 | 4,850 |
| Average total loans | $62,417,400 | 4,614 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 5,460 |
| Cost of funding earning assets | 0.5107% | 5,371 |
| Net interest margin | 3.5091% | 4,606 |
| Noninterest income to average assets | 0.3745% | 4,831 |
| Noninterest expense to average assets | 2.1513% | 6,065 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9779% | 2,617 |
| Return on assets (ROA) | 0.9771% | 2,848 |
| Pretax return on assets | 1.4594% | 2,041 |
| Return on Equity (ROE) | 10.0202% | 2,339 |
| Retained earnings to average equity (ytd only) | 10.0202% | 909 |
| Net charge-offs to loans | 0.0173% | 5,436 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 147.2006% | 301 |
| Efficiency ratio | 59.5606% | 5,567 |
| Assets per employee ($millions) | 4.7261% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2371% | 5,109 |
| Loan loss allowance to noncurrent loans | 138.0870% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.5530% | 5,287 |
| Noncurrent loans to loans | 0.8959% | 4,643 |
| Net loans and leases to total assets | 60.9672% | 3,578 |
| Net loans and leases to deposits | 68.7587% | 4,060 |
| Net loans and leases to core deposits | 71.4117% | 4,327 |
| Total domestic deposits to total assets | 88.6683% | 1,613 |
| Equity capital to assets | 10.4670% | 3,885 |
| Core capital (leverage) ratio | 9.6252% | 4,088 |
| Tier 1 risk-based capital ratio | 11.6561% | 6,146 |
| Total risk-based capital ratio | 12.5281% | 6,332 |
| Memoranda: | ||
| Average total assets | $107,531,000 | 4,694 |
| Average earning assets | $99,205,250 | 4,660 |
| Average equity | $10,485,250 | 4,920 |
| Average total loans | $61,646,500 | 4,699 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 5,719 |
| Cost of funding earning assets | 0.5239% | 5,462 |
| Net interest margin | 3.4515% | 4,872 |
| Noninterest income to average assets | 0.3642% | 4,915 |
| Noninterest expense to average assets | 2.1138% | 6,207 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9744% | 2,570 |
| Return on assets (ROA) | 0.9732% | 2,813 |
| Pretax return on assets | 1.4239% | 2,113 |
| Return on Equity (ROE) | 10.2196% | 2,272 |
| Retained earnings to average equity (ytd only) | 10.2196% | 914 |
| Net charge-offs to loans | 0.0132% | 5,265 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 193.7500% | 232 |
| Efficiency ratio | 59.7193% | 5,623 |
| Assets per employee ($millions) | 5.0597% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3074% | 4,859 |
| Loan loss allowance to noncurrent loans | 131.9008% | 2,502 |
| Noncurrent assets plus other real estate owned to assets | 0.5435% | 5,400 |
| Noncurrent loans to loans | 0.9912% | 4,520 |
| Net loans and leases to total assets | 54.1181% | 4,781 |
| Net loans and leases to deposits | 60.3859% | 5,208 |
| Net loans and leases to core deposits | 62.1009% | 5,379 |
| Total domestic deposits to total assets | 89.6204% | 1,149 |
| Equity capital to assets | 9.5352% | 5,011 |
| Core capital (leverage) ratio | 9.5162% | 4,120 |
| Tier 1 risk-based capital ratio | 11.6256% | 6,157 |
| Total risk-based capital ratio | 12.5215% | 6,334 |
| Memoranda: | ||
| Average total assets | $108,716,670 | 4,703 |
| Average earning assets | $100,014,330 | 4,666 |
| Average equity | $10,352,670 | 4,953 |
| Average total loans | $60,800,670 | 4,753 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 5,798 |
| Cost of funding earning assets | 0.5275% | 5,621 |
| Net interest margin | 3.4610% | 4,872 |
| Noninterest income to average assets | 0.4059% | 4,629 |
| Noninterest expense to average assets | 2.1486% | 6,154 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0192% | 2,401 |
| Return on assets (ROA) | 1.0166% | 2,606 |
| Pretax return on assets | 1.4783% | 1,933 |
| Return on Equity (ROE) | 10.6828% | 2,150 |
| Retained earnings to average equity (ytd only) | 10.6828% | 1,116 |
| Net charge-offs to loans | 0.0066% | 4,652 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 398.0000% | 69 |
| Efficiency ratio | 59.1795% | 5,744 |
| Assets per employee ($millions) | 5.1864% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3807% | 4,690 |
| Loan loss allowance to noncurrent loans | 136.7521% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 0.5372% | 5,533 |
| Noncurrent loans to loans | 1.0096% | 4,654 |
| Net loans and leases to total assets | 50.0806% | 5,294 |
| Net loans and leases to deposits | 55.6874% | 5,640 |
| Net loans and leases to core deposits | 57.2227% | 5,793 |
| Total domestic deposits to total assets | 89.9316% | 1,123 |
| Equity capital to assets | 9.0798% | 5,385 |
| Core capital (leverage) ratio | 9.0757% | 4,722 |
| Tier 1 risk-based capital ratio | 11.7509% | 6,125 |
| Total risk-based capital ratio | 12.6818% | 6,304 |
| Memoranda: | ||
| Average total assets | $107,418,000 | 4,760 |
| Average earning assets | $100,087,000 | 4,696 |
| Average equity | $10,222,000 | 4,990 |
| Average total loans | $60,681,500 | 4,787 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4811% | 5,153 |
| Cost of funding earning assets | 0.6701% | 5,708 |
| Net interest margin | 3.8110% | 3,769 |
| Noninterest income to average assets | 0.3361% | 5,127 |
| Noninterest expense to average assets | 2.2368% | 6,195 |
| Loan and lease loss provision to assets | 0.0988% | 5,353 |
| Net operating income to assets | 1.0512% | 1,999 |
| Return on assets (ROA) | 1.0512% | 2,139 |
| Pretax return on assets | 1.5340% | 1,382 |
| Return on Equity (ROE) | 10.8561% | 1,745 |
| Retained earnings to average equity (ytd only) | 10.8561% | 423 |
| Net charge-offs to loans | 0.0425% | 5,884 |
| Credit loss provision to net charge-offs | 373.0769% | 627 |
| Earnings coverage of net charge-offs (x) | 61.6538% | 472 |
| Efficiency ratio | 57.8047% | 6,076 |
| Assets per employee ($millions) | 4.3798% | 3,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2646% | 5,100 |
| Loan loss allowance to noncurrent loans | 131.0458% | 2,412 |
| Noncurrent assets plus other real estate owned to assets | 0.6075% | 5,444 |
| Noncurrent loans to loans | 0.9650% | 4,776 |
| Net loans and leases to total assets | 62.1615% | 3,572 |
| Net loans and leases to deposits | 69.9427% | 4,110 |
| Net loans and leases to core deposits | 72.2441% | 4,488 |
| Total domestic deposits to total assets | 88.8749% | 1,619 |
| Equity capital to assets | 10.0103% | 4,158 |
| Core capital (leverage) ratio | 9.9788% | 3,365 |
| Tier 1 risk-based capital ratio | 11.1999% | 6,351 |
| Total risk-based capital ratio | 12.1141% | 6,505 |
| Memoranda: | ||
| Average total assets | $98,177,400 | 4,944 |
| Average earning assets | $91,026,000 | 4,891 |
| Average equity | $9,506,200 | 5,152 |
| Average total loans | $61,191,600 | 4,824 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4338% | 5,482 |
| Cost of funding earning assets | 0.7002% | 5,761 |
| Net interest margin | 3.7335% | 4,191 |
| Noninterest income to average assets | 0.3335% | 5,192 |
| Noninterest expense to average assets | 2.2268% | 6,220 |
| Loan and lease loss provision to assets | 0.0970% | 5,243 |
| Net operating income to assets | 1.0006% | 2,320 |
| Return on assets (ROA) | 1.0006% | 2,469 |
| Pretax return on assets | 1.4791% | 1,707 |
| Return on Equity (ROE) | 10.4252% | 2,061 |
| Retained earnings to average equity (ytd only) | 10.4252% | 741 |
| Net charge-offs to loans | 0.0572% | 5,401 |
| Credit loss provision to net charge-offs | 273.0769% | 1,047 |
| Earnings coverage of net charge-offs (x) | 44.3406% | 717 |
| Efficiency ratio | 58.5550% | 5,926 |
| Assets per employee ($millions) | 4.3966% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,403 |
| Loan loss allowance to noncurrent loans | 105.8583% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.7259% | 5,344 |
| Noncurrent loans to loans | 1.1491% | 4,620 |
| Net loans and leases to total assets | 62.4015% | 3,634 |
| Net loans and leases to deposits | 70.1130% | 4,282 |
| Net loans and leases to core deposits | 71.9912% | 4,715 |
| Total domestic deposits to total assets | 89.0013% | 1,433 |
| Equity capital to assets | 9.7210% | 4,742 |
| Core capital (leverage) ratio | 9.7659% | 3,748 |
| Tier 1 risk-based capital ratio | 10.9250% | 6,588 |
| Total risk-based capital ratio | 11.8163% | 6,734 |
| Memoranda: | ||
| Average total assets | $97,537,750 | 4,996 |
| Average earning assets | $90,635,750 | 4,936 |
| Average equity | $9,361,750 | 5,218 |
| Average total loans | $60,634,250 | 4,882 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 5,675 |
| Cost of funding earning assets | 0.7406% | 5,732 |
| Net interest margin | 3.6650% | 4,440 |
| Noninterest income to average assets | 0.3280% | 5,270 |
| Noninterest expense to average assets | 2.2191% | 6,331 |
| Loan and lease loss provision to assets | 0.0436% | 5,770 |
| Net operating income to assets | 1.0255% | 2,120 |
| Return on assets (ROA) | 1.0255% | 2,218 |
| Pretax return on assets | 1.4760% | 1,596 |
| Return on Equity (ROE) | 10.7325% | 1,891 |
| Retained earnings to average equity (ytd only) | 10.7325% | 719 |
| Net charge-offs to loans | 0.0067% | 5,773 |
| Credit loss provision to net charge-offs | 1,050.0000% | 321 |
| Earnings coverage of net charge-offs (x) | 366.0000% | 89 |
| Efficiency ratio | 59.3559% | 5,972 |
| Assets per employee ($millions) | 4.4918% | 2,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2385% | 5,372 |
| Loan loss allowance to noncurrent loans | 115.7165% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.6568% | 5,588 |
| Noncurrent loans to loans | 1.0703% | 4,876 |
| Net loans and leases to total assets | 60.6027% | 4,168 |
| Net loans and leases to deposits | 68.3501% | 4,653 |
| Net loans and leases to core deposits | 70.5607% | 5,006 |
| Total domestic deposits to total assets | 88.6651% | 1,740 |
| Equity capital to assets | 9.6479% | 4,599 |
| Core capital (leverage) ratio | 9.4099% | 4,095 |
| Tier 1 risk-based capital ratio | 11.1576% | 6,411 |
| Total risk-based capital ratio | 12.0598% | 6,628 |
| Memoranda: | ||
| Average total assets | $96,343,330 | 5,065 |
| Average earning assets | $89,659,670 | 5,005 |
| Average equity | $9,205,670 | 5,260 |
| Average total loans | $59,553,000 | 4,975 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4012% | 5,695 |
| Cost of funding earning assets | 0.7735% | 5,726 |
| Net interest margin | 3.6277% | 4,448 |
| Noninterest income to average assets | 0.3196% | 5,365 |
| Noninterest expense to average assets | 2.2670% | 6,265 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9884% | 2,220 |
| Return on assets (ROA) | 0.9884% | 2,277 |
| Pretax return on assets | 1.4258% | 1,656 |
| Return on Equity (ROE) | 10.3965% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.3965% | 1,023 |
| Net charge-offs to loans | -0.0542% | 6,909 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3895% | 5,781 |
| Assets per employee ($millions) | 4.5220% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3034% | 5,111 |
| Loan loss allowance to noncurrent loans | 108.6637% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.6845% | 5,575 |
| Noncurrent loans to loans | 1.1995% | 4,682 |
| Net loans and leases to total assets | 56.3262% | 4,941 |
| Net loans and leases to deposits | 62.9869% | 5,386 |
| Net loans and leases to core deposits | 64.9900% | 5,624 |
| Total domestic deposits to total assets | 89.4253% | 1,515 |
| Equity capital to assets | 9.1905% | 4,883 |
| Core capital (leverage) ratio | 9.2904% | 4,135 |
| Tier 1 risk-based capital ratio | 11.3668% | 6,203 |
| Total risk-based capital ratio | 12.2985% | 6,462 |
| Memoranda: | ||
| Average total assets | $95,105,500 | 5,135 |
| Average earning assets | $88,431,000 | 5,077 |
| Average equity | $9,041,500 | 5,313 |
| Average total loans | $59,010,500 | 5,051 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2666% | 3,288 |
| Cost of funding earning assets | 0.9286% | 6,038 |
| Net interest margin | 4.3380% | 1,686 |
| Noninterest income to average assets | 0.4881% | 4,263 |
| Noninterest expense to average assets | 2.7243% | 4,880 |
| Loan and lease loss provision to assets | 0.8336% | 1,973 |
| Net operating income to assets | 0.7003% | 3,228 |
| Return on assets (ROA) | 0.7013% | 3,354 |
| Pretax return on assets | 0.9158% | 3,218 |
| Return on Equity (ROE) | 6.2679% | 3,468 |
| Retained earnings to average equity (ytd only) | 5.3496% | 2,225 |
| Net charge-offs to loans | 0.7412% | 2,801 |
| Credit loss provision to net charge-offs | 157.1429% | 2,240 |
| Earnings coverage of net charge-offs (x) | 3.2954% | 3,429 |
| Efficiency ratio | 60.9133% | 5,906 |
| Assets per employee ($millions) | 3.9447% | 3,900 |
| Cash dividends to net income (ytd only)* | 14.6520% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 5,541 |
| Loan loss allowance to noncurrent loans | 90.0369% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8961% | 5,226 |
| Noncurrent loans to loans | 1.3274% | 4,504 |
| Net loans and leases to total assets | 66.6983% | 3,298 |
| Net loans and leases to deposits | 75.2559% | 3,968 |
| Net loans and leases to core deposits | 79.9762% | 4,224 |
| Total domestic deposits to total assets | 88.6286% | 1,874 |
| Equity capital to assets | 9.8536% | 3,935 |
| Core capital (leverage) ratio | 10.6292% | 2,436 |
| Tier 1 risk-based capital ratio | 10.9705% | 6,344 |
| Total risk-based capital ratio | 11.8838% | 6,581 |
| Memoranda: | ||
| Average total assets | $77,855,600 | 5,650 |
| Average earning assets | $71,507,600 | 5,618 |
| Average equity | $8,711,000 | 5,498 |
| Average total loans | $55,723,200 | 5,251 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4086% | 2,838 |
| Cost of funding earning assets | 0.9683% | 6,087 |
| Net interest margin | 4.4403% | 1,398 |
| Noninterest income to average assets | 0.4841% | 4,304 |
| Noninterest expense to average assets | 2.8528% | 4,272 |
| Loan and lease loss provision to assets | 1.0933% | 1,334 |
| Net operating income to assets | 0.5112% | 4,266 |
| Return on assets (ROA) | 0.5127% | 4,447 |
| Pretax return on assets | 0.6109% | 4,562 |
| Return on Equity (ROE) | 4.4219% | 4,587 |
| Retained earnings to average equity (ytd only) | 4.4219% | 3,389 |
| Net charge-offs to loans | 1.0010% | 2,005 |
| Credit loss provision to net charge-offs | 150.0000% | 2,593 |
| Earnings coverage of net charge-offs (x) | 2.3358% | 4,003 |
| Efficiency ratio | 62.6275% | 5,502 |
| Assets per employee ($millions) | 3.4634% | 5,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2100% | 5,447 |
| Loan loss allowance to noncurrent loans | 94.8440% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 0.9252% | 5,252 |
| Noncurrent loans to loans | 1.2758% | 4,722 |
| Net loans and leases to total assets | 71.6429% | 2,331 |
| Net loans and leases to deposits | 82.2180% | 3,062 |
| Net loans and leases to core deposits | 87.9366% | 3,377 |
| Total domestic deposits to total assets | 87.1377% | 2,454 |
| Equity capital to assets | 11.1186% | 2,838 |
| Core capital (leverage) ratio | 11.0135% | 2,250 |
| Tier 1 risk-based capital ratio | 11.7519% | 5,685 |
| Total risk-based capital ratio | 12.7055% | 5,959 |
| Memoranda: | ||
| Average total assets | $74,637,500 | 5,818 |
| Average earning assets | $68,432,250 | 5,784 |
| Average equity | $8,653,750 | 5,582 |
| Average total loans | $54,342,500 | 5,373 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4641% | 2,684 |
| Cost of funding earning assets | 0.9946% | 6,167 |
| Net interest margin | 4.4695% | 1,270 |
| Noninterest income to average assets | 0.4907% | 4,187 |
| Noninterest expense to average assets | 2.9056% | 4,050 |
| Loan and lease loss provision to assets | 1.6200% | 806 |
| Net operating income to assets | 0.1699% | 5,662 |
| Return on assets (ROA) | 0.1727% | 5,784 |
| Pretax return on assets | 0.0576% | 6,059 |
| Return on Equity (ROE) | 1.4675% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.4675% | 5,137 |
| Net charge-offs to loans | 1.5263% | 1,252 |
| Credit loss provision to net charge-offs | 145.5665% | 2,724 |
| Earnings coverage of net charge-offs (x) | 1.5049% | 4,361 |
| Efficiency ratio | 63.4351% | 5,443 |
| Assets per employee ($millions) | 3.2261% | 5,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2581% | 5,138 |
| Loan loss allowance to noncurrent loans | 82.8467% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.1078% | 4,923 |
| Noncurrent loans to loans | 1.5186% | 4,429 |
| Net loans and leases to total assets | 72.0337% | 2,394 |
| Net loans and leases to deposits | 83.0585% | 3,063 |
| Net loans and leases to core deposits | 88.2273% | 3,514 |
| Total domestic deposits to total assets | 86.7264% | 2,691 |
| Equity capital to assets | 11.5970% | 2,358 |
| Core capital (leverage) ratio | 11.3572% | 2,008 |
| Tier 1 risk-based capital ratio | 12.3393% | 5,004 |
| Total risk-based capital ratio | 13.3409% | 5,201 |
| Memoranda: | ||
| Average total assets | $72,963,670 | 5,894 |
| Average earning assets | $66,763,330 | 5,874 |
| Average equity | $8,586,000 | 5,610 |
| Average total loans | $53,200,330 | 5,460 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4611% | 2,777 |
| Cost of funding earning assets | 1.0077% | 6,340 |
| Net interest margin | 4.4533% | 1,249 |
| Noninterest income to average assets | 0.5308% | 3,809 |
| Noninterest expense to average assets | 2.9083% | 4,027 |
| Loan and lease loss provision to assets | 0.8902% | 1,425 |
| Net operating income to assets | 0.6206% | 3,801 |
| Return on assets (ROA) | 0.6248% | 3,911 |
| Pretax return on assets | 0.8183% | 3,795 |
| Return on Equity (ROE) | 5.2702% | 4,224 |
| Retained earnings to average equity (ytd only) | 5.2702% | 3,001 |
| Net charge-offs to loans | 0.0834% | 4,592 |
| Credit loss provision to net charge-offs | 1,463.6364% | 345 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 914 |
| Efficiency ratio | 63.0695% | 5,649 |
| Assets per employee ($millions) | 3.1179% | 5,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2149% | 5,428 |
| Loan loss allowance to noncurrent loans | 52.5631% | 4,815 |
| Noncurrent assets plus other real estate owned to assets | 1.7138% | 3,904 |
| Noncurrent loans to loans | 2.3114% | 3,375 |
| Net loans and leases to total assets | 73.2444% | 2,145 |
| Net loans and leases to deposits | 85.1103% | 2,745 |
| Net loans and leases to core deposits | 92.0587% | 3,099 |
| Total domestic deposits to total assets | 86.0581% | 3,126 |
| Equity capital to assets | 12.0217% | 2,030 |
| Core capital (leverage) ratio | 11.7775% | 1,765 |
| Tier 1 risk-based capital ratio | 12.8988% | 4,407 |
| Total risk-based capital ratio | 13.8858% | 4,581 |
| Memoranda: | ||
| Average total assets | $72,345,500 | 5,989 |
| Average earning assets | $66,287,500 | 5,957 |
| Average equity | $8,576,500 | 5,667 |
| Average total loans | $52,735,500 | 5,548 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4697% | 4,329 |
| Cost of funding earning assets | 1.1568% | 6,805 |
| Net interest margin | 4.3128% | 1,681 |
| Noninterest income to average assets | 0.5166% | 4,281 |
| Noninterest expense to average assets | 2.9749% | 4,249 |
| Loan and lease loss provision to assets | 0.0219% | 7,284 |
| Net operating income to assets | 0.9502% | 2,007 |
| Return on assets (ROA) | 0.9512% | 2,055 |
| Pretax return on assets | 1.4545% | 1,305 |
| Return on Equity (ROE) | 7.8427% | 2,439 |
| Retained earnings to average equity (ytd only) | 4.5849% | 2,047 |
| Net charge-offs to loans | 0.0645% | 6,465 |
| Credit loss provision to net charge-offs | 48.3871% | 6,766 |
| Earnings coverage of net charge-offs (x) | 32.5161% | 716 |
| Efficiency ratio | 66.8530% | 5,215 |
| Assets per employee ($millions) | 3.1730% | 5,786 |
| Cash dividends to net income (ytd only)* | 41.5385% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9484% | 6,643 |
| Loan loss allowance to noncurrent loans | 35.1026% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 1.9362% | 3,474 |
| Noncurrent loans to loans | 2.7017% | 2,852 |
| Net loans and leases to total assets | 70.9848% | 3,008 |
| Net loans and leases to deposits | 84.2780% | 3,206 |
| Net loans and leases to core deposits | 95.3857% | 4,529 |
| Total domestic deposits to total assets | 84.2270% | 3,929 |
| Equity capital to assets | 11.6910% | 2,194 |
| Core capital (leverage) ratio | 12.0787% | 1,629 |
| Tier 1 risk-based capital ratio | 12.9098% | 4,199 |
| Total risk-based capital ratio | 13.6787% | 4,528 |
| Memoranda: | ||
| Average total assets | $68,337,400 | 6,060 |
| Average earning assets | $62,325,400 | 6,050 |
| Average equity | $8,288,000 | 5,839 |
| Average total loans | $48,089,000 | 5,753 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5739% | 4,012 |
| Cost of funding earning assets | 1.1980% | 6,896 |
| Net interest margin | 4.3759% | 1,507 |
| Noninterest income to average assets | 0.5200% | 4,319 |
| Noninterest expense to average assets | 3.0863% | 3,693 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8526% | 2,600 |
| Return on assets (ROA) | 0.8475% | 2,696 |
| Pretax return on assets | 1.4131% | 1,665 |
| Return on Equity (ROE) | 6.9201% | 3,108 |
| Retained earnings to average equity (ytd only) | 3.6789% | 3,234 |
| Net charge-offs to loans | 0.0794% | 5,881 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 25.5730% | 1,049 |
| Efficiency ratio | 68.4720% | 4,886 |
| Assets per employee ($millions) | 2.9052% | 6,393 |
| Cash dividends to net income (ytd only)* | 46.8383% | 2,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0198% | 6,166 |
| Loan loss allowance to noncurrent loans | 40.5858% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 1.7884% | 3,670 |
| Noncurrent loans to loans | 2.5126% | 2,995 |
| Net loans and leases to total assets | 70.4515% | 3,404 |
| Net loans and leases to deposits | 83.2155% | 3,796 |
| Net loans and leases to core deposits | 93.8852% | 5,023 |
| Total domestic deposits to total assets | 84.6615% | 3,399 |
| Equity capital to assets | 12.6491% | 1,859 |
| Core capital (leverage) ratio | 12.0855% | 1,764 |
| Tier 1 risk-based capital ratio | 13.8052% | 3,662 |
| Total risk-based capital ratio | 14.6242% | 3,884 |
| Memoranda: | ||
| Average total assets | $67,177,000 | 6,143 |
| Average earning assets | $61,212,750 | 6,137 |
| Average equity | $8,227,000 | 5,907 |
| Average total loans | $47,036,250 | 5,847 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5829% | 4,158 |
| Cost of funding earning assets | 1.2167% | 7,055 |
| Net interest margin | 4.3663% | 1,480 |
| Noninterest income to average assets | 0.5349% | 4,146 |
| Noninterest expense to average assets | 3.0849% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7981% | 2,864 |
| Return on assets (ROA) | 0.7905% | 2,980 |
| Pretax return on assets | 1.4057% | 1,710 |
| Return on Equity (ROE) | 6.5260% | 3,424 |
| Retained earnings to average equity (ytd only) | 1.6192% | 4,432 |
| Net charge-offs to loans | 0.0896% | 5,295 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 22.7143% | 1,214 |
| Efficiency ratio | 68.5149% | 5,068 |
| Assets per employee ($millions) | 2.9083% | 6,363 |
| Cash dividends to net income (ytd only)* | 75.1880% | 1,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 5,881 |
| Loan loss allowance to noncurrent loans | 81.7276% | 3,448 |
| Noncurrent assets plus other real estate owned to assets | 0.9000% | 5,182 |
| Noncurrent loans to loans | 1.2900% | 4,620 |
| Net loans and leases to total assets | 69.0307% | 3,939 |
| Net loans and leases to deposits | 81.0688% | 4,381 |
| Net loans and leases to core deposits | 91.8871% | 5,360 |
| Total domestic deposits to total assets | 85.1507% | 3,187 |
| Equity capital to assets | 12.2346% | 2,068 |
| Core capital (leverage) ratio | 11.9066% | 1,870 |
| Tier 1 risk-based capital ratio | 13.8867% | 3,585 |
| Total risk-based capital ratio | 14.7392% | 3,752 |
| Memoranda: | ||
| Average total assets | $67,296,330 | 6,180 |
| Average earning assets | $61,150,670 | 6,177 |
| Average equity | $8,152,000 | 5,968 |
| Average total loans | $46,861,670 | 5,897 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 4,268 |
| Cost of funding earning assets | 1.2533% | 7,167 |
| Net interest margin | 4.3603% | 1,442 |
| Noninterest income to average assets | 0.5156% | 4,178 |
| Noninterest expense to average assets | 2.9512% | 3,967 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0726% | 2,053 |
| Return on assets (ROA) | 1.0726% | 2,188 |
| Pretax return on assets | 1.5230% | 1,602 |
| Return on Equity (ROE) | 8.8987% | 2,763 |
| Retained earnings to average equity (ytd only) | 3.9823% | 3,684 |
| Net charge-offs to loans | 0.1533% | 3,730 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 14.2778% | 1,678 |
| Efficiency ratio | 65.9603% | 5,344 |
| Assets per employee ($millions) | 2.9821% | 6,206 |
| Cash dividends to net income (ytd only)* | 55.2486% | 1,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0568% | 5,769 |
| Loan loss allowance to noncurrent loans | 90.1460% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.7990% | 5,178 |
| Noncurrent loans to loans | 1.1723% | 4,638 |
| Net loans and leases to total assets | 67.4306% | 4,262 |
| Net loans and leases to deposits | 78.8509% | 4,795 |
| Net loans and leases to core deposits | 88.2145% | 5,714 |
| Total domestic deposits to total assets | 85.5166% | 2,958 |
| Equity capital to assets | 11.9363% | 2,301 |
| Core capital (leverage) ratio | 11.8857% | 1,953 |
| Tier 1 risk-based capital ratio | 13.8632% | 3,657 |
| Total risk-based capital ratio | 14.7161% | 3,809 |
| Memoranda: | ||
| Average total assets | $67,498,500 | 6,198 |
| Average earning assets | $61,280,000 | 6,201 |
| Average equity | $8,136,000 | 6,006 |
| Average total loans | $46,958,500 | 5,919 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3192% | 3,863 |
| Cost of funding earning assets | 1.8349% | 6,913 |
| Net interest margin | 4.4843% | 1,465 |
| Noninterest income to average assets | 0.5358% | 4,353 |
| Noninterest expense to average assets | 2.9539% | 4,246 |
| Loan and lease loss provision to assets | 0.0932% | 6,197 |
| Net operating income to assets | 1.0478% | 2,363 |
| Return on assets (ROA) | 1.0467% | 2,262 |
| Pretax return on assets | 1.5142% | 1,641 |
| Return on Equity (ROE) | 8.5657% | 2,804 |
| Retained earnings to average equity (ytd only) | 3.4822% | 2,973 |
| Net charge-offs to loans | 0.0453% | 6,141 |
| Credit loss provision to net charge-offs | 300.0000% | 1,503 |
| Earnings coverage of net charge-offs (x) | 51.8000% | 743 |
| Efficiency ratio | 64.7379% | 5,386 |
| Assets per employee ($millions) | 3.0185% | 6,019 |
| Cash dividends to net income (ytd only)* | 59.3472% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 5,366 |
| Loan loss allowance to noncurrent loans | 97.5285% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7921% | 4,873 |
| Noncurrent loans to loans | 1.1150% | 4,318 |
| Net loans and leases to total assets | 70.2626% | 3,958 |
| Net loans and leases to deposits | 83.2530% | 4,532 |
| Net loans and leases to core deposits | 93.3163% | 5,515 |
| Total domestic deposits to total assets | 84.3965% | 3,128 |
| Equity capital to assets | 12.1747% | 2,171 |
| Core capital (leverage) ratio | 12.0752% | 1,930 |
| Tier 1 risk-based capital ratio | 13.8902% | 3,598 |
| Total risk-based capital ratio | 14.7868% | 3,697 |
| Memoranda: | ||
| Average total assets | $64,390,400 | 6,215 |
| Average earning assets | $57,823,600 | 6,268 |
| Average equity | $7,868,600 | 6,140 |
| Average total loans | $44,145,000 | 5,972 |