Home > Big Bend Banks, N.A. > Performance and Condition Ratios
Big Bend Banks, N.A., Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5011% | 4,393 |
| Cost of funding earning assets | 0.1095% | 4,481 |
| Net interest margin | 3.3916% | 2,417 |
| Noninterest income to average assets | 0.8300% | 878 |
| Noninterest expense to average assets | 2.4842% | 2,341 |
| Loan and lease loss provision to assets | 0.1800% | 708 |
| Net operating income to assets | 1.3216% | 1,390 |
| Return on assets (ROA) | 1.0017% | 2,199 |
| Pretax return on assets | 1.0017% | 2,684 |
| Return on Equity (ROE) | 10.0600% | 2,480 |
| Retained earnings to average equity (ytd only) | 10.0599% | 1,006 |
| Net charge-offs to loans | 1.2566% | 72 |
| Credit loss provision to net charge-offs | 103.5714% | 1,804 |
| Earnings coverage of net charge-offs (x) | 8.5750% | 2,335 |
| Efficiency ratio | 62.3018% | 2,800 |
| Assets per employee ($millions) | 5.2368% | 3,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9725% | 118 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 13.6900% | 4,434 |
| Net loans and leases to deposits | 15.5445% | 4,439 |
| Net loans and leases to core deposits | 16.2216% | 4,463 |
| Total domestic deposits to total assets | 88.0800% | 1,326 |
| Equity capital to assets | 11.8667% | 1,181 |
| Core capital (leverage) ratio | 14.1568% | 774 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4766% | 156 |
| Memoranda: | ||
| Average total assets | $159,728,000 | 3,273 |
| Average earning assets | $148,811,000 | 3,260 |
| Average equity | $15,904,800 | 3,193 |
| Average total loans | $22,282,000 | 4,262 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4801% | 4,393 |
| Cost of funding earning assets | 0.0921% | 4,510 |
| Net interest margin | 3.3880% | 2,480 |
| Noninterest income to average assets | 0.8200% | 900 |
| Noninterest expense to average assets | 2.4624% | 2,342 |
| Loan and lease loss provision to assets | 0.2400% | 425 |
| Net operating income to assets | 1.2719% | 1,605 |
| Return on assets (ROA) | 0.9319% | 2,562 |
| Pretax return on assets | 0.9319% | 3,030 |
| Return on Equity (ROE) | 9.8200% | 2,692 |
| Retained earnings to average equity (ytd only) | 9.8200% | 1,455 |
| Net charge-offs to loans | 1.6793% | 48 |
| Credit loss provision to net charge-offs | 103.2028% | 1,596 |
| Earnings coverage of net charge-offs (x) | 6.4769% | 2,286 |
| Efficiency ratio | 61.9406% | 2,723 |
| Assets per employee ($millions) | 5.1172% | 3,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0995% | 115 |
| Loan loss allowance to noncurrent loans | 260.9375% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 0.1668% | 2,467 |
| Noncurrent loans to loans | 1.1878% | 661 |
| Net loans and leases to total assets | 13.6000% | 4,464 |
| Net loans and leases to deposits | 14.9506% | 4,472 |
| Net loans and leases to core deposits | 15.6524% | 4,456 |
| Total domestic deposits to total assets | 90.9900% | 673 |
| Equity capital to assets | 8.8122% | 2,530 |
| Core capital (leverage) ratio | 13.4286% | 966 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4759% | 156 |
| Memoranda: | ||
| Average total assets | $160,384,000 | 3,288 |
| Average earning assets | $149,149,000 | 3,269 |
| Average equity | $15,220,250 | 3,241 |
| Average total loans | $22,310,000 | 4,284 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4315% | 4,405 |
| Cost of funding earning assets | 0.0808% | 4,529 |
| Net interest margin | 3.3507% | 2,638 |
| Noninterest income to average assets | 0.8200% | 823 |
| Noninterest expense to average assets | 2.3815% | 2,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5516% | 1,018 |
| Return on assets (ROA) | 1.0487% | 2,261 |
| Pretax return on assets | 1.0487% | 2,781 |
| Return on Equity (ROE) | 10.8100% | 2,479 |
| Retained earnings to average equity (ytd only) | 10.8082% | 1,222 |
| Net charge-offs to loans | -0.0177% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 60.5502% | 2,887 |
| Assets per employee ($millions) | 5.3584% | 3,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0229% | 130 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 13.1500% | 4,494 |
| Net loans and leases to deposits | 14.6528% | 4,501 |
| Net loans and leases to core deposits | 15.3116% | 4,489 |
| Total domestic deposits to total assets | 89.7500% | 994 |
| Equity capital to assets | 10.0957% | 1,801 |
| Core capital (leverage) ratio | 13.0019% | 1,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6705% | 160 |
| Memoranda: | ||
| Average total assets | $162,673,667 | 3,265 |
| Average earning assets | $151,014,333 | 3,262 |
| Average equity | $15,784,333 | 3,204 |
| Average total loans | $22,562,667 | 4,293 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 4,415 |
| Cost of funding earning assets | 0.0766% | 4,560 |
| Net interest margin | 3.2655% | 2,959 |
| Noninterest income to average assets | 0.7900% | 879 |
| Noninterest expense to average assets | 2.3638% | 2,626 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.4496% | 1,287 |
| Return on assets (ROA) | 1.0780% | 2,263 |
| Pretax return on assets | 1.0780% | 2,773 |
| Return on Equity (ROE) | 11.3400% | 2,393 |
| Retained earnings to average equity (ytd only) | 11.3353% | 1,390 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 61.9872% | 2,702 |
| Assets per employee ($millions) | 5.4589% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8609% | 151 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 13.5600% | 4,560 |
| Net loans and leases to deposits | 15.1028% | 4,562 |
| Net loans and leases to core deposits | 15.7418% | 4,552 |
| Total domestic deposits to total assets | 89.7800% | 1,240 |
| Equity capital to assets | 10.1303% | 1,752 |
| Core capital (leverage) ratio | 12.5466% | 1,118 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4805% | 163 |
| Memoranda: | ||
| Average total assets | $163,634,500 | 3,304 |
| Average earning assets | $151,401,000 | 3,306 |
| Average equity | $15,562,000 | 3,254 |
| Average total loans | $22,944,000 | 4,349 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7653% | 4,357 |
| Cost of funding earning assets | 0.0541% | 4,569 |
| Net interest margin | 2.7112% | 4,041 |
| Noninterest income to average assets | 0.8000% | 996 |
| Noninterest expense to average assets | 2.3316% | 2,641 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.9416% | 2,808 |
| Return on assets (ROA) | 0.7780% | 3,338 |
| Pretax return on assets | 0.7780% | 3,675 |
| Return on Equity (ROE) | 6.2500% | 3,777 |
| Retained earnings to average equity (ytd only) | -17.9498% | 4,687 |
| Net charge-offs to loans | 0.0578% | 1,073 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 125.6667% | 865 |
| Efficiency ratio | 71.2324% | 1,536 |
| Assets per employee ($millions) | 5.4501% | 3,270 |
| Cash dividends to net income (ytd only)* | 387.0787% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8400% | 144 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 13.6800% | 4,593 |
| Net loans and leases to deposits | 15.0261% | 4,596 |
| Net loans and leases to core deposits | 15.6570% | 4,582 |
| Total domestic deposits to total assets | 91.0700% | 929 |
| Equity capital to assets | 8.8891% | 2,423 |
| Core capital (leverage) ratio | 12.6087% | 1,056 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.0055% | 170 |
| Memoranda: | ||
| Average total assets | $160,147,200 | 3,343 |
| Average earning assets | $146,097,600 | 3,360 |
| Average equity | $19,927,800 | 2,954 |
| Average total loans | $20,767,400 | 4,406 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6686% | 4,317 |
| Cost of funding earning assets | 0.0534% | 4,562 |
| Net interest margin | 2.6152% | 4,076 |
| Noninterest income to average assets | 0.8000% | 1,027 |
| Noninterest expense to average assets | 2.3417% | 2,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8302% | 3,130 |
| Return on assets (ROA) | 0.7013% | 3,526 |
| Pretax return on assets | 0.7013% | 3,798 |
| Return on Equity (ROE) | 5.2500% | 3,934 |
| Retained earnings to average equity (ytd only) | 5.1073% | 3,062 |
| Net charge-offs to loans | 0.0264% | 1,294 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 248.0000% | 539 |
| Efficiency ratio | 73.8259% | 1,296 |
| Assets per employee ($millions) | 5.1195% | 3,574 |
| Cash dividends to net income (ytd only)* | 2.7446% | 3,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9862% | 134 |
| Loan loss allowance to noncurrent loans | 6,018.1818% | 221 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 3,930 |
| Noncurrent loans to loans | 0.0496% | 3,518 |
| Net loans and leases to total assets | 14.0000% | 4,628 |
| Net loans and leases to deposits | 15.6749% | 4,632 |
| Net loans and leases to core deposits | 16.3910% | 4,619 |
| Total domestic deposits to total assets | 89.3400% | 1,943 |
| Equity capital to assets | 10.4796% | 1,378 |
| Core capital (leverage) ratio | 15.7366% | 477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.0159% | 117 |
| Memoranda: | ||
| Average total assets | $159,308,250 | 3,373 |
| Average earning assets | $144,738,750 | 3,407 |
| Average equity | $21,276,250 | 2,869 |
| Average total loans | $20,202,250 | 4,446 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5640% | 4,312 |
| Cost of funding earning assets | 0.0521% | 4,583 |
| Net interest margin | 2.5119% | 4,073 |
| Noninterest income to average assets | 0.7865% | 1,081 |
| Noninterest expense to average assets | 2.3410% | 2,426 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7195% | 3,245 |
| Return on assets (ROA) | 0.7195% | 3,196 |
| Pretax return on assets | 0.7195% | 3,528 |
| Return on Equity (ROE) | 5.0427% | 3,808 |
| Retained earnings to average equity (ytd only) | 5.0427% | 2,693 |
| Net charge-offs to loans | 0.0614% | 787 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 832 |
| Efficiency ratio | 76.4897% | 1,222 |
| Assets per employee ($millions) | 5.3321% | 3,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1433% | 124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 13.1921% | 4,694 |
| Net loans and leases to deposits | 15.0392% | 4,698 |
| Net loans and leases to core deposits | 15.7408% | 4,691 |
| Total domestic deposits to total assets | 87.7184% | 2,687 |
| Equity capital to assets | 12.1302% | 835 |
| Core capital (leverage) ratio | 16.0555% | 372 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.6822% | 82 |
| Memoranda: | ||
| Average total assets | $161,216,333 | 3,399 |
| Average earning assets | $145,945,000 | 3,434 |
| Average equity | $23,003,333 | 2,818 |
| Average total loans | $19,546,667 | 4,512 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4275% | 4,347 |
| Cost of funding earning assets | 0.0536% | 4,570 |
| Net interest margin | 2.3739% | 4,118 |
| Noninterest income to average assets | 0.7635% | 1,139 |
| Noninterest expense to average assets | 2.2029% | 2,833 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7124% | 3,013 |
| Return on assets (ROA) | 0.7124% | 3,000 |
| Pretax return on assets | 0.7124% | 3,357 |
| Return on Equity (ROE) | 4.6644% | 3,709 |
| Retained earnings to average equity (ytd only) | 4.6644% | 2,718 |
| Net charge-offs to loans | -0.0213% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5630% | 1,579 |
| Assets per employee ($millions) | 5.3058% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5096% | 104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 11.8822% | 4,726 |
| Net loans and leases to deposits | 13.9167% | 4,729 |
| Net loans and leases to core deposits | 14.4686% | 4,723 |
| Total domestic deposits to total assets | 85.3811% | 3,447 |
| Equity capital to assets | 14.5143% | 448 |
| Core capital (leverage) ratio | 15.0494% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.9225% | 78 |
| Memoranda: | ||
| Average total assets | $164,509,500 | 3,387 |
| Average earning assets | $149,122,000 | 3,412 |
| Average equity | $25,126,500 | 2,763 |
| Average total loans | $18,789,500 | 4,541 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4874% | 4,488 |
| Cost of funding earning assets | 0.0561% | 4,659 |
| Net interest margin | 2.4312% | 4,279 |
| Noninterest income to average assets | 0.7223% | 1,685 |
| Noninterest expense to average assets | 2.0173% | 3,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9242% | 2,961 |
| Return on assets (ROA) | 0.9330% | 2,995 |
| Pretax return on assets | 0.9330% | 3,412 |
| Return on Equity (ROE) | 5.7234% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.1165% | 2,740 |
| Net charge-offs to loans | -1.5854% | 4,798 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5793% | 1,909 |
| Assets per employee ($millions) | 6.0397% | 2,728 |
| Cash dividends to net income (ytd only)* | 10.6051% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5479% | 96 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 10.2598% | 4,778 |
| Net loans and leases to deposits | 12.2130% | 4,784 |
| Net loans and leases to core deposits | 12.6433% | 4,773 |
| Total domestic deposits to total assets | 84.0069% | 3,561 |
| Equity capital to assets | 15.9406% | 387 |
| Core capital (leverage) ratio | 13.4822% | 695 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.7353% | 90 |
| Memoranda: | ||
| Average total assets | $171,817,600 | 3,283 |
| Average earning assets | $156,833,400 | 3,307 |
| Average equity | $28,007,600 | 2,649 |
| Average total loans | $18,165,800 | 4,597 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5420% | 4,545 |
| Cost of funding earning assets | 0.0580% | 4,742 |
| Net interest margin | 2.4840% | 4,304 |
| Noninterest income to average assets | 0.7182% | 1,766 |
| Noninterest expense to average assets | 2.0383% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9490% | 3,084 |
| Return on assets (ROA) | 0.9607% | 3,127 |
| Pretax return on assets | 0.9607% | 3,561 |
| Return on Equity (ROE) | 5.8603% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.0517% | 3,200 |
| Net charge-offs to loans | -2.0314% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2328% | 1,788 |
| Assets per employee ($millions) | 6.0118% | 2,683 |
| Cash dividends to net income (ytd only)* | 13.7987% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6824% | 90 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 9.7819% | 4,853 |
| Net loans and leases to deposits | 11.6876% | 4,856 |
| Net loans and leases to core deposits | 12.1027% | 4,847 |
| Total domestic deposits to total assets | 83.6942% | 3,538 |
| Equity capital to assets | 16.1481% | 401 |
| Core capital (leverage) ratio | 13.4148% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.0523% | 102 |
| Memoranda: | ||
| Average total assets | $170,984,500 | 3,327 |
| Average earning assets | $156,196,250 | 3,347 |
| Average equity | $28,029,500 | 2,679 |
| Average total loans | $18,049,500 | 4,665 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6414% | 4,513 |
| Cost of funding earning assets | 0.0607% | 4,784 |
| Net interest margin | 2.5806% | 4,195 |
| Noninterest income to average assets | 0.7053% | 1,790 |
| Noninterest expense to average assets | 2.0487% | 3,553 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0090% | 2,859 |
| Return on assets (ROA) | 1.0267% | 2,880 |
| Pretax return on assets | 1.0267% | 3,382 |
| Return on Equity (ROE) | 6.2312% | 3,847 |
| Retained earnings to average equity (ytd only) | 5.0164% | 3,175 |
| Net charge-offs to loans | -2.9729% | 4,908 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0004% | 2,016 |
| Assets per employee ($millions) | 5.9148% | 2,701 |
| Cash dividends to net income (ytd only)* | 19.4954% | 2,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4726% | 100 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 10.5335% | 4,889 |
| Net loans and leases to deposits | 12.6105% | 4,892 |
| Net loans and leases to core deposits | 13.0717% | 4,885 |
| Total domestic deposits to total assets | 83.5293% | 3,566 |
| Equity capital to assets | 16.3401% | 386 |
| Core capital (leverage) ratio | 13.4886% | 713 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.6536% | 102 |
| Memoranda: | ||
| Average total assets | $169,865,000 | 3,341 |
| Average earning assets | $154,845,000 | 3,364 |
| Average equity | $27,988,333 | 2,675 |
| Average total loans | $18,164,000 | 4,697 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7035% | 4,474 |
| Cost of funding earning assets | 0.0675% | 4,800 |
| Net interest margin | 2.6360% | 4,085 |
| Noninterest income to average assets | 0.6531% | 2,017 |
| Noninterest expense to average assets | 2.0043% | 3,705 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.0507% | 2,635 |
| Return on assets (ROA) | 1.0862% | 2,596 |
| Pretax return on assets | 1.0862% | 3,143 |
| Return on Equity (ROE) | 6.5645% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.3500% | 2,779 |
| Net charge-offs to loans | -6.0155% | 4,938 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6081% | 2,287 |
| Assets per employee ($millions) | 5.7086% | 2,902 |
| Cash dividends to net income (ytd only)* | 3.2680% | 2,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6625% | 87 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 10.3118% | 4,917 |
| Net loans and leases to deposits | 12.3585% | 4,921 |
| Net loans and leases to core deposits | 12.7988% | 4,915 |
| Total domestic deposits to total assets | 83.4392% | 3,583 |
| Equity capital to assets | 16.4695% | 354 |
| Core capital (leverage) ratio | 13.3562% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.3553% | 96 |
| Memoranda: | ||
| Average total assets | $169,033,000 | 3,347 |
| Average earning assets | $154,023,500 | 3,376 |
| Average equity | $27,968,500 | 2,672 |
| Average total loans | $17,887,000 | 4,731 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7309% | 4,782 |
| Cost of funding earning assets | 0.0798% | 4,912 |
| Net interest margin | 2.6510% | 4,437 |
| Noninterest income to average assets | 0.6365% | 2,079 |
| Noninterest expense to average assets | 1.9785% | 4,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1120% | 1,880 |
| Return on assets (ROA) | 1.1722% | 1,756 |
| Pretax return on assets | 1.1722% | 2,434 |
| Return on Equity (ROE) | 8.1447% | 2,756 |
| Retained earnings to average equity (ytd only) | 7.9004% | 1,081 |
| Net charge-offs to loans | 0.9712% | 137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | 9.5692% | 2,511 |
| Efficiency ratio | 64.0185% | 2,818 |
| Assets per employee ($millions) | 5.9489% | 2,382 |
| Cash dividends to net income (ytd only)* | 2.9995% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1214% | 477 |
| Loan loss allowance to noncurrent loans | 248.7013% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.0893% | 3,876 |
| Noncurrent loans to loans | 0.8530% | 1,657 |
| Net loans and leases to total assets | 10.2430% | 4,941 |
| Net loans and leases to deposits | 13.4108% | 4,939 |
| Net loans and leases to core deposits | 13.9122% | 4,933 |
| Total domestic deposits to total assets | 76.3787% | 4,481 |
| Equity capital to assets | 16.6197% | 371 |
| Core capital (leverage) ratio | 12.7755% | 958 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.1820% | 109 |
| Memoranda: | ||
| Average total assets | $167,804,800 | 3,215 |
| Average earning assets | $155,335,000 | 3,208 |
| Average equity | $24,150,600 | 2,865 |
| Average total loans | $20,077,400 | 4,713 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7684% | 4,845 |
| Cost of funding earning assets | 0.0807% | 4,957 |
| Net interest margin | 2.6877% | 4,483 |
| Noninterest income to average assets | 0.6425% | 2,011 |
| Noninterest expense to average assets | 1.9988% | 4,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.1474% | 1,831 |
| Return on assets (ROA) | 1.2291% | 1,670 |
| Pretax return on assets | 1.2291% | 2,290 |
| Return on Equity (ROE) | 8.8963% | 2,438 |
| Retained earnings to average equity (ytd only) | 8.5546% | 1,126 |
| Net charge-offs to loans | 1.2631% | 99 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 7.3538% | 2,582 |
| Efficiency ratio | 63.5300% | 2,817 |
| Assets per employee ($millions) | 6.0731% | 2,209 |
| Cash dividends to net income (ytd only)* | 3.8411% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 495 |
| Loan loss allowance to noncurrent loans | 236.4198% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.0920% | 3,970 |
| Noncurrent loans to loans | 0.8449% | 1,742 |
| Net loans and leases to total assets | 10.6688% | 4,974 |
| Net loans and leases to deposits | 14.8893% | 4,970 |
| Net loans and leases to core deposits | 15.4710% | 4,965 |
| Total domestic deposits to total assets | 71.6541% | 4,692 |
| Equity capital to assets | 15.7057% | 506 |
| Core capital (leverage) ratio | 12.1202% | 1,280 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.3226% | 130 |
| Memoranda: | ||
| Average total assets | $166,626,500 | 3,204 |
| Average earning assets | $155,222,000 | 3,192 |
| Average equity | $23,020,250 | 2,935 |
| Average total loans | $20,583,250 | 4,734 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8262% | 4,895 |
| Cost of funding earning assets | 0.0772% | 4,999 |
| Net interest margin | 2.7490% | 4,510 |
| Noninterest income to average assets | 0.6521% | 1,928 |
| Noninterest expense to average assets | 2.0274% | 4,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1942% | 1,656 |
| Return on assets (ROA) | 1.3190% | 1,408 |
| Pretax return on assets | 1.3190% | 1,970 |
| Return on Equity (ROE) | 10.0404% | 1,971 |
| Retained earnings to average equity (ytd only) | 9.4908% | 877 |
| Net charge-offs to loans | 1.8619% | 69 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.9796% | 2,551 |
| Efficiency ratio | 62.9320% | 2,967 |
| Assets per employee ($millions) | 6.2927% | 1,955 |
| Cash dividends to net income (ytd only)* | 5.4731% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 693 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 11.4812% | 5,006 |
| Net loans and leases to deposits | 16.6645% | 5,001 |
| Net loans and leases to core deposits | 17.2633% | 4,992 |
| Total domestic deposits to total assets | 68.8962% | 4,824 |
| Equity capital to assets | 14.5472% | 729 |
| Core capital (leverage) ratio | 11.9629% | 1,393 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9947% | 155 |
| Memoranda: | ||
| Average total assets | $163,461,667 | 3,214 |
| Average earning assets | $152,784,000 | 3,196 |
| Average equity | $21,473,333 | 3,032 |
| Average total loans | $21,053,333 | 4,751 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6949% | 5,017 |
| Cost of funding earning assets | 0.0556% | 5,076 |
| Net interest margin | 2.6393% | 4,725 |
| Noninterest income to average assets | 0.7431% | 1,484 |
| Noninterest expense to average assets | 2.1488% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0601% | 1,968 |
| Return on assets (ROA) | 1.0601% | 2,074 |
| Pretax return on assets | 1.0601% | 2,638 |
| Return on Equity (ROE) | 8.6183% | 2,270 |
| Retained earnings to average equity (ytd only) | 7.3720% | 1,416 |
| Net charge-offs to loans | -1.4344% | 5,066 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9636% | 2,822 |
| Assets per employee ($millions) | 5.7920% | 1,847 |
| Cash dividends to net income (ytd only)* | 14.4608% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0644% | 143 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 12.1659% | 5,050 |
| Net loans and leases to deposits | 17.1407% | 5,040 |
| Net loans and leases to core deposits | 17.7942% | 5,038 |
| Total domestic deposits to total assets | 70.9768% | 4,814 |
| Equity capital to assets | 9.2809% | 4,410 |
| Core capital (leverage) ratio | 14.5534% | 785 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.4098% | 154 |
| Memoranda: | ||
| Average total assets | $153,948,000 | 3,278 |
| Average earning assets | $143,825,500 | 3,255 |
| Average equity | $18,936,500 | 3,279 |
| Average total loans | $20,914,500 | 4,786 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1381% | 5,018 |
| Cost of funding earning assets | 0.0532% | 5,142 |
| Net interest margin | 3.0849% | 4,392 |
| Noninterest income to average assets | 0.8378% | 1,339 |
| Noninterest expense to average assets | 2.4014% | 3,690 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2956% | 1,706 |
| Return on assets (ROA) | 1.2956% | 1,781 |
| Pretax return on assets | 1.2956% | 2,518 |
| Return on Equity (ROE) | 8.3842% | 2,999 |
| Retained earnings to average equity (ytd only) | 8.0605% | 956 |
| Net charge-offs to loans | 0.5107% | 365 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 15.9174% | 2,204 |
| Efficiency ratio | 64.9566% | 2,942 |
| Assets per employee ($millions) | 4.8251% | 2,807 |
| Cash dividends to net income (ytd only)* | 3.8617% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7473% | 162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 14.4204% | 5,102 |
| Net loans and leases to deposits | 17.1704% | 5,103 |
| Net loans and leases to core deposits | 17.8453% | 5,103 |
| Total domestic deposits to total assets | 83.9838% | 2,851 |
| Equity capital to assets | 15.9254% | 621 |
| Core capital (leverage) ratio | 14.5686% | 783 |
| Tier 1 risk-based capital ratio | 46.8074% | 162 |
| Total risk-based capital ratio | 48.0586% | 159 |
| Memoranda: | ||
| Average total assets | $133,919,200 | 3,515 |
| Average earning assets | $124,121,000 | 3,502 |
| Average equity | $20,693,600 | 3,067 |
| Average total loans | $21,344,200 | 4,829 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1900% | 5,096 |
| Cost of funding earning assets | 0.0522% | 5,220 |
| Net interest margin | 3.1377% | 4,416 |
| Noninterest income to average assets | 0.8488% | 1,280 |
| Noninterest expense to average assets | 2.4306% | 3,607 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.3220% | 1,764 |
| Return on assets (ROA) | 1.3210% | 1,840 |
| Pretax return on assets | 1.3210% | 2,594 |
| Return on Equity (ROE) | 8.6189% | 3,049 |
| Retained earnings to average equity (ytd only) | 8.3101% | 1,281 |
| Net charge-offs to loans | 0.8933% | 168 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 9.1178% | 2,597 |
| Efficiency ratio | 64.7706% | 2,897 |
| Assets per employee ($millions) | 4.7059% | 2,911 |
| Cash dividends to net income (ytd only)* | 3.5826% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6000% | 197 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 14.8780% | 5,184 |
| Net loans and leases to deposits | 17.7517% | 5,183 |
| Net loans and leases to core deposits | 18.4684% | 5,179 |
| Total domestic deposits to total assets | 83.8118% | 2,889 |
| Equity capital to assets | 15.9639% | 636 |
| Core capital (leverage) ratio | 14.8137% | 783 |
| Tier 1 risk-based capital ratio | 52.0287% | 123 |
| Total risk-based capital ratio | 53.2798% | 120 |
| Memoranda: | ||
| Average total assets | $132,417,250 | 3,567 |
| Average earning assets | $122,548,000 | 3,565 |
| Average equity | $20,296,000 | 3,124 |
| Average total loans | $21,493,250 | 4,901 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2349% | 5,144 |
| Cost of funding earning assets | 0.0513% | 5,265 |
| Net interest margin | 3.1836% | 4,393 |
| Noninterest income to average assets | 0.8484% | 1,208 |
| Noninterest expense to average assets | 2.4308% | 3,655 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3535% | 1,561 |
| Return on assets (ROA) | 1.3566% | 1,621 |
| Pretax return on assets | 1.3566% | 2,363 |
| Return on Equity (ROE) | 8.9801% | 2,865 |
| Retained earnings to average equity (ytd only) | 8.5053% | 1,201 |
| Net charge-offs to loans | 0.0092% | 2,807 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 887.0000% | 80 |
| Efficiency ratio | 64.2339% | 3,093 |
| Assets per employee ($millions) | 4.7034% | 2,874 |
| Cash dividends to net income (ytd only)* | 5.2868% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2207% | 104 |
| Loan loss allowance to noncurrent loans | 1,965.7143% | 342 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 4,643 |
| Noncurrent loans to loans | 0.1638% | 3,965 |
| Net loans and leases to total assets | 15.6985% | 5,229 |
| Net loans and leases to deposits | 18.7395% | 5,224 |
| Net loans and leases to core deposits | 19.5154% | 5,224 |
| Total domestic deposits to total assets | 83.7722% | 2,957 |
| Equity capital to assets | 16.0638% | 610 |
| Core capital (leverage) ratio | 14.9077% | 726 |
| Tier 1 risk-based capital ratio | 45.5377% | 168 |
| Total risk-based capital ratio | 46.7902% | 168 |
| Memoranda: | ||
| Average total assets | $131,066,330 | 3,607 |
| Average earning assets | $120,870,000 | 3,612 |
| Average equity | $19,799,330 | 3,164 |
| Average total loans | $21,709,000 | 4,943 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2168% | 5,206 |
| Cost of funding earning assets | 0.0502% | 5,327 |
| Net interest margin | 3.1666% | 4,465 |
| Noninterest income to average assets | 0.8229% | 1,230 |
| Noninterest expense to average assets | 2.4107% | 3,744 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3063% | 1,679 |
| Return on assets (ROA) | 1.3124% | 1,697 |
| Pretax return on assets | 1.3124% | 2,406 |
| Return on Equity (ROE) | 8.9742% | 2,822 |
| Retained earnings to average equity (ytd only) | 8.5558% | 1,465 |
| Net charge-offs to loans | 0.0183% | 2,105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 427.0000% | 181 |
| Efficiency ratio | 64.8560% | 3,105 |
| Assets per employee ($millions) | 4.7134% | 2,900 |
| Cash dividends to net income (ytd only)* | 4.6620% | 2,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1499% | 114 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 16.0054% | 5,282 |
| Net loans and leases to deposits | 18.8740% | 5,285 |
| Net loans and leases to core deposits | 19.6416% | 5,283 |
| Total domestic deposits to total assets | 84.8016% | 2,749 |
| Equity capital to assets | 15.0636% | 744 |
| Core capital (leverage) ratio | 14.6551% | 775 |
| Tier 1 risk-based capital ratio | 42.4185% | 198 |
| Total risk-based capital ratio | 43.6722% | 191 |
| Memoranda: | ||
| Average total assets | $130,752,500 | 3,650 |
| Average earning assets | $119,497,500 | 3,664 |
| Average equity | $19,121,500 | 3,252 |
| Average total loans | $21,882,500 | 4,996 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2241% | 5,130 |
| Cost of funding earning assets | 0.0544% | 5,358 |
| Net interest margin | 3.1698% | 4,538 |
| Noninterest income to average assets | 0.8299% | 1,371 |
| Noninterest expense to average assets | 2.4355% | 3,786 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3200% | 1,718 |
| Return on assets (ROA) | 1.3177% | 1,717 |
| Pretax return on assets | 1.3177% | 2,440 |
| Return on Equity (ROE) | 9.7903% | 2,607 |
| Retained earnings to average equity (ytd only) | 9.7444% | 667 |
| Net charge-offs to loans | 0.0044% | 3,563 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 1,710.0000% | 63 |
| Efficiency ratio | 64.8510% | 3,052 |
| Assets per employee ($millions) | 4.6261% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.4687% | 4,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1291% | 112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 16.4192% | 5,329 |
| Net loans and leases to deposits | 19.1497% | 5,329 |
| Net loans and leases to core deposits | 19.9344% | 5,326 |
| Total domestic deposits to total assets | 85.7416% | 2,346 |
| Equity capital to assets | 14.1765% | 918 |
| Core capital (leverage) ratio | 14.4724% | 808 |
| Tier 1 risk-based capital ratio | 40.1262% | 232 |
| Total risk-based capital ratio | 41.3793% | 229 |
| Memoranda: | ||
| Average total assets | $129,541,000 | 3,651 |
| Average earning assets | $119,566,800 | 3,653 |
| Average equity | $17,435,600 | 3,352 |
| Average total loans | $22,668,600 | 5,013 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1872% | 5,203 |
| Cost of funding earning assets | 0.0551% | 5,427 |
| Net interest margin | 3.1320% | 4,647 |
| Noninterest income to average assets | 0.8306% | 1,377 |
| Noninterest expense to average assets | 2.4650% | 3,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2896% | 1,903 |
| Return on assets (ROA) | 1.2855% | 1,913 |
| Pretax return on assets | 1.2855% | 2,678 |
| Return on Equity (ROE) | 9.6798% | 2,763 |
| Retained earnings to average equity (ytd only) | 9.6798% | 1,004 |
| Net charge-offs to loans | -0.0117% | 4,443 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6524% | 2,930 |
| Assets per employee ($millions) | 4.3015% | 3,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0536% | 131 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 17.5866% | 5,395 |
| Net loans and leases to deposits | 20.4413% | 5,398 |
| Net loans and leases to core deposits | 21.2573% | 5,392 |
| Total domestic deposits to total assets | 86.0345% | 2,174 |
| Equity capital to assets | 13.7234% | 1,050 |
| Core capital (leverage) ratio | 14.2273% | 881 |
| Tier 1 risk-based capital ratio | 41.6439% | 209 |
| Total risk-based capital ratio | 42.8962% | 207 |
| Memoranda: | ||
| Average total assets | $129,543,500 | 3,685 |
| Average earning assets | $120,940,750 | 3,666 |
| Average equity | $17,203,750 | 3,407 |
| Average total loans | $22,847,000 | 5,067 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1516% | 5,263 |
| Cost of funding earning assets | 0.0602% | 5,476 |
| Net interest margin | 3.0914% | 4,744 |
| Noninterest income to average assets | 0.8220% | 1,410 |
| Noninterest expense to average assets | 2.4126% | 3,862 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3054% | 1,751 |
| Return on assets (ROA) | 1.3039% | 1,751 |
| Pretax return on assets | 1.3039% | 2,494 |
| Return on Equity (ROE) | 9.9234% | 2,596 |
| Retained earnings to average equity (ytd only) | 9.9234% | 948 |
| Net charge-offs to loans | -0.0087% | 4,275 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8893% | 3,176 |
| Assets per employee ($millions) | 4.4586% | 3,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0319% | 136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 17.1665% | 5,458 |
| Net loans and leases to deposits | 19.8432% | 5,464 |
| Net loans and leases to core deposits | 20.8713% | 5,461 |
| Total domestic deposits to total assets | 86.5110% | 2,048 |
| Equity capital to assets | 13.3150% | 1,179 |
| Core capital (leverage) ratio | 13.7236% | 986 |
| Tier 1 risk-based capital ratio | 38.9460% | 246 |
| Total risk-based capital ratio | 40.1981% | 242 |
| Memoranda: | ||
| Average total assets | $131,143,670 | 3,689 |
| Average earning assets | $122,856,670 | 3,659 |
| Average equity | $17,232,000 | 3,418 |
| Average total loans | $22,919,670 | 5,123 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1326% | 5,290 |
| Cost of funding earning assets | 0.0741% | 5,511 |
| Net interest margin | 3.0584% | 4,780 |
| Noninterest income to average assets | 0.7814% | 1,513 |
| Noninterest expense to average assets | 2.4230% | 3,884 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2327% | 1,882 |
| Return on assets (ROA) | 1.2297% | 1,903 |
| Pretax return on assets | 1.2297% | 2,639 |
| Return on Equity (ROE) | 9.4200% | 2,706 |
| Retained earnings to average equity (ytd only) | 9.4200% | 1,323 |
| Net charge-offs to loans | -0.0174% | 4,484 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2800% | 3,111 |
| Assets per employee ($millions) | 4.6350% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0491% | 150 |
| Loan loss allowance to noncurrent loans | 721.8750% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 4,722 |
| Noncurrent loans to loans | 0.4224% | 3,270 |
| Net loans and leases to total assets | 16.9786% | 5,519 |
| Net loans and leases to deposits | 19.6366% | 5,523 |
| Net loans and leases to core deposits | 20.7080% | 5,519 |
| Total domestic deposits to total assets | 86.4641% | 2,331 |
| Equity capital to assets | 13.0142% | 1,236 |
| Core capital (leverage) ratio | 12.9767% | 1,189 |
| Tier 1 risk-based capital ratio | 39.1961% | 238 |
| Total risk-based capital ratio | 40.4482% | 235 |
| Memoranda: | ||
| Average total assets | $132,066,500 | 3,714 |
| Average earning assets | $124,115,500 | 3,676 |
| Average equity | $17,240,000 | 3,441 |
| Average total loans | $22,934,500 | 5,179 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3024% | 5,082 |
| Cost of funding earning assets | 0.0448% | 5,624 |
| Net interest margin | 3.2576% | 4,289 |
| Noninterest income to average assets | 0.7656% | 1,708 |
| Noninterest expense to average assets | 2.4916% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2320% | 1,418 |
| Return on assets (ROA) | 1.2297% | 1,442 |
| Pretax return on assets | 1.2297% | 2,640 |
| Return on Equity (ROE) | 9.0688% | 2,284 |
| Retained earnings to average equity (ytd only) | 1.8726% | 4,189 |
| Net charge-offs to loans | 0.1208% | 1,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 55.3793% | 1,016 |
| Efficiency ratio | 66.9139% | 3,095 |
| Assets per employee ($millions) | 4.9760% | 2,509 |
| Cash dividends to net income (ytd only)* | 79.3512% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9688% | 146 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 16.7128% | 5,587 |
| Net loans and leases to deposits | 19.4983% | 5,595 |
| Net loans and leases to core deposits | 20.5455% | 5,590 |
| Total domestic deposits to total assets | 85.7144% | 2,569 |
| Equity capital to assets | 13.0925% | 1,219 |
| Core capital (leverage) ratio | 12.5013% | 1,356 |
| Tier 1 risk-based capital ratio | 37.1693% | 273 |
| Total risk-based capital ratio | 38.4216% | 268 |
| Memoranda: | ||
| Average total assets | $130,355,800 | 3,741 |
| Average earning assets | $118,368,000 | 3,777 |
| Average equity | $17,676,000 | 3,404 |
| Average total loans | $24,015,400 | 5,190 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3500% | 5,040 |
| Cost of funding earning assets | 0.0447% | 5,691 |
| Net interest margin | 3.3053% | 4,157 |
| Noninterest income to average assets | 0.7720% | 1,695 |
| Noninterest expense to average assets | 2.5242% | 3,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2235% | 1,599 |
| Return on assets (ROA) | 1.2204% | 1,637 |
| Pretax return on assets | 1.2204% | 2,823 |
| Return on Equity (ROE) | 8.9201% | 2,652 |
| Retained earnings to average equity (ytd only) | -0.6630% | 5,311 |
| Net charge-offs to loans | 0.1651% | 1,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 39.5658% | 1,310 |
| Efficiency ratio | 67.3542% | 2,988 |
| Assets per employee ($millions) | 4.5250% | 3,094 |
| Cash dividends to net income (ytd only)* | 107.4324% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9422% | 162 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 17.3456% | 5,654 |
| Net loans and leases to deposits | 20.2302% | 5,657 |
| Net loans and leases to core deposits | 21.3937% | 5,650 |
| Total domestic deposits to total assets | 85.7414% | 2,411 |
| Equity capital to assets | 14.0757% | 971 |
| Core capital (leverage) ratio | 12.5545% | 1,398 |
| Tier 1 risk-based capital ratio | 37.7386% | 266 |
| Total risk-based capital ratio | 38.9919% | 258 |
| Memoranda: | ||
| Average total assets | $129,356,750 | 3,795 |
| Average earning assets | $116,455,000 | 3,853 |
| Average equity | $17,697,500 | 3,434 |
| Average total loans | $24,234,000 | 5,239 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3820% | 4,990 |
| Cost of funding earning assets | 0.0468% | 5,727 |
| Net interest margin | 3.3352% | 3,998 |
| Noninterest income to average assets | 0.7939% | 1,587 |
| Noninterest expense to average assets | 2.5619% | 3,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2196% | 1,537 |
| Return on assets (ROA) | 1.2196% | 1,575 |
| Pretax return on assets | 1.2196% | 2,701 |
| Return on Equity (ROE) | 9.0025% | 2,507 |
| Retained earnings to average equity (ytd only) | -5.5850% | 5,554 |
| Net charge-offs to loans | 0.2368% | 859 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 27.0690% | 1,554 |
| Efficiency ratio | 67.7486% | 3,061 |
| Assets per employee ($millions) | 4.3633% | 3,321 |
| Cash dividends to net income (ytd only)* | 162.0382% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8822% | 178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 17.6588% | 5,697 |
| Net loans and leases to deposits | 20.5692% | 5,701 |
| Net loans and leases to core deposits | 21.6670% | 5,696 |
| Total domestic deposits to total assets | 85.8508% | 2,445 |
| Equity capital to assets | 13.9895% | 970 |
| Core capital (leverage) ratio | 12.2995% | 1,472 |
| Tier 1 risk-based capital ratio | 36.2668% | 275 |
| Total risk-based capital ratio | 37.5192% | 273 |
| Memoranda: | ||
| Average total assets | $128,733,670 | 3,832 |
| Average earning assets | $115,315,330 | 3,889 |
| Average equity | $17,439,670 | 3,473 |
| Average total loans | $24,494,670 | 5,268 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4286% | 4,876 |
| Cost of funding earning assets | 0.0462% | 5,793 |
| Net interest margin | 3.3824% | 3,701 |
| Noninterest income to average assets | 0.8210% | 1,483 |
| Noninterest expense to average assets | 2.4661% | 3,922 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.3349% | 1,155 |
| Return on assets (ROA) | 1.3349% | 1,188 |
| Pretax return on assets | 1.3349% | 2,121 |
| Return on Equity (ROE) | 10.0215% | 1,951 |
| Retained earnings to average equity (ytd only) | -19.6430% | 5,722 |
| Net charge-offs to loans | 0.5153% | 356 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 13.3125% | 1,792 |
| Efficiency ratio | 64.8805% | 3,680 |
| Assets per employee ($millions) | 4.4002% | 3,331 |
| Cash dividends to net income (ytd only)* | 296.0094% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7868% | 226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 18.1013% | 5,762 |
| Net loans and leases to deposits | 20.7931% | 5,764 |
| Net loans and leases to core deposits | 21.8769% | 5,762 |
| Total domestic deposits to total assets | 87.0545% | 2,191 |
| Equity capital to assets | 12.8243% | 1,340 |
| Core capital (leverage) ratio | 12.2522% | 1,472 |
| Tier 1 risk-based capital ratio | 36.6143% | 283 |
| Total risk-based capital ratio | 37.8670% | 279 |
| Memoranda: | ||
| Average total assets | $127,651,500 | 3,880 |
| Average earning assets | $112,466,000 | 3,972 |
| Average equity | $17,003,500 | 3,550 |
| Average total loans | $24,841,500 | 5,302 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3402% | 5,099 |
| Cost of funding earning assets | 0.0488% | 5,841 |
| Net interest margin | 3.2914% | 4,167 |
| Noninterest income to average assets | 0.7587% | 1,922 |
| Noninterest expense to average assets | 2.4225% | 4,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3267% | 1,152 |
| Return on assets (ROA) | 1.2183% | 1,531 |
| Pretax return on assets | 1.2183% | 2,595 |
| Return on Equity (ROE) | 8.4166% | 2,730 |
| Retained earnings to average equity (ytd only) | 7.8154% | 917 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6128% | 3,830 |
| Assets per employee ($millions) | 4.1099% | 3,768 |
| Cash dividends to net income (ytd only)* | 7.1429% | 4,082 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8562% | 205 |
| Loan loss allowance to noncurrent loans | 2,987.5000% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 5,312 |
| Noncurrent loans to loans | 0.0956% | 4,856 |
| Net loans and leases to total assets | 19.7784% | 5,804 |
| Net loans and leases to deposits | 22.9781% | 5,810 |
| Net loans and leases to core deposits | 24.1661% | 5,805 |
| Total domestic deposits to total assets | 86.0750% | 2,547 |
| Equity capital to assets | 13.8512% | 939 |
| Core capital (leverage) ratio | 13.2589% | 1,043 |
| Tier 1 risk-based capital ratio | 37.7069% | 257 |
| Total risk-based capital ratio | 38.9616% | 255 |
| Memoranda: | ||
| Average total assets | $126,400,600 | 3,889 |
| Average earning assets | $114,844,600 | 3,911 |
| Average equity | $18,297,200 | 3,373 |
| Average total loans | $23,631,200 | 5,404 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3144% | 5,195 |
| Cost of funding earning assets | 0.0485% | 5,908 |
| Net interest margin | 3.2658% | 4,289 |
| Noninterest income to average assets | 0.7527% | 1,954 |
| Noninterest expense to average assets | 2.4427% | 4,157 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2738% | 1,370 |
| Return on assets (ROA) | 1.2748% | 1,466 |
| Pretax return on assets | 1.2748% | 2,524 |
| Return on Equity (ROE) | 8.7157% | 2,653 |
| Retained earnings to average equity (ytd only) | 8.0204% | 1,160 |
| Net charge-offs to loans | 0.0229% | 3,226 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 303.9325% | 269 |
| Efficiency ratio | 65.7264% | 3,640 |
| Assets per employee ($millions) | 4.1346% | 3,727 |
| Cash dividends to net income (ytd only)* | 7.9770% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9991% | 186 |
| Loan loss allowance to noncurrent loans | 14,320.0000% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 5,531 |
| Noncurrent loans to loans | 0.0209% | 5,306 |
| Net loans and leases to total assets | 18.6702% | 5,887 |
| Net loans and leases to deposits | 22.9542% | 5,879 |
| Net loans and leases to core deposits | 24.2054% | 5,877 |
| Total domestic deposits to total assets | 81.3370% | 4,157 |
| Equity capital to assets | 15.6236% | 612 |
| Core capital (leverage) ratio | 12.5505% | 1,378 |
| Tier 1 risk-based capital ratio | 38.1355% | 260 |
| Total risk-based capital ratio | 39.3888% | 261 |
| Memoranda: | ||
| Average total assets | $127,176,750 | 3,905 |
| Average earning assets | $115,414,250 | 3,931 |
| Average equity | $18,602,000 | 3,357 |
| Average total loans | $23,263,250 | 5,466 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3224% | 5,242 |
| Cost of funding earning assets | 0.0468% | 5,995 |
| Net interest margin | 3.2756% | 4,308 |
| Noninterest income to average assets | 0.7503% | 1,935 |
| Noninterest expense to average assets | 2.4800% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2151% | 1,545 |
| Return on assets (ROA) | 1.2182% | 1,636 |
| Pretax return on assets | 1.2182% | 2,710 |
| Return on Equity (ROE) | 8.5155% | 2,741 |
| Retained earnings to average equity (ytd only) | 7.9594% | 1,179 |
| Net charge-offs to loans | 0.0173% | 3,161 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 389.5000% | 178 |
| Efficiency ratio | 67.1169% | 3,516 |
| Assets per employee ($millions) | 4.3935% | 3,227 |
| Cash dividends to net income (ytd only)* | 6.5301% | 3,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0708% | 181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 17.1708% | 5,969 |
| Net loans and leases to deposits | 20.1075% | 5,973 |
| Net loans and leases to core deposits | 21.0824% | 5,971 |
| Total domestic deposits to total assets | 85.3951% | 2,689 |
| Equity capital to assets | 14.4509% | 885 |
| Core capital (leverage) ratio | 11.9934% | 1,631 |
| Tier 1 risk-based capital ratio | 35.6993% | 318 |
| Total risk-based capital ratio | 36.9532% | 312 |
| Memoranda: | ||
| Average total assets | $128,223,330 | 3,911 |
| Average earning assets | $115,278,330 | 3,958 |
| Average equity | $18,343,000 | 3,392 |
| Average total loans | $23,059,670 | 5,537 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3280% | 5,266 |
| Cost of funding earning assets | 0.0518% | 6,049 |
| Net interest margin | 3.2762% | 4,314 |
| Noninterest income to average assets | 0.7688% | 1,738 |
| Noninterest expense to average assets | 2.5183% | 4,012 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2497% | 1,407 |
| Return on assets (ROA) | 1.2497% | 1,506 |
| Pretax return on assets | 1.2497% | 2,504 |
| Return on Equity (ROE) | 8.7822% | 2,524 |
| Retained earnings to average equity (ytd only) | 7.7372% | 1,576 |
| Net charge-offs to loans | 0.0698% | 1,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 98.7500% | 543 |
| Efficiency ratio | 66.8346% | 3,661 |
| Assets per employee ($millions) | 4.2381% | 3,517 |
| Cash dividends to net income (ytd only)* | 11.8987% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0723% | 206 |
| Loan loss allowance to noncurrent loans | 71,300.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,691 |
| Noncurrent loans to loans | 0.0043% | 5,515 |
| Net loans and leases to total assets | 17.6918% | 6,020 |
| Net loans and leases to deposits | 20.7257% | 6,022 |
| Net loans and leases to core deposits | 21.7866% | 6,021 |
| Total domestic deposits to total assets | 85.3615% | 2,977 |
| Equity capital to assets | 14.5205% | 831 |
| Core capital (leverage) ratio | 12.2958% | 1,437 |
| Tier 1 risk-based capital ratio | 36.6259% | 296 |
| Total risk-based capital ratio | 37.8801% | 294 |
| Memoranda: | ||
| Average total assets | $126,432,500 | 3,969 |
| Average earning assets | $115,743,500 | 3,979 |
| Average equity | $17,991,000 | 3,439 |
| Average total loans | $22,915,000 | 5,591 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 5,270 |
| Cost of funding earning assets | 0.0681% | 6,068 |
| Net interest margin | 3.2740% | 4,397 |
| Noninterest income to average assets | 0.7670% | 1,908 |
| Noninterest expense to average assets | 2.3614% | 4,611 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.3846% | 1,066 |
| Return on assets (ROA) | 1.3846% | 1,112 |
| Pretax return on assets | 1.3846% | 1,962 |
| Return on Equity (ROE) | 10.4856% | 1,809 |
| Retained earnings to average equity (ytd only) | 9.2396% | 601 |
| Net charge-offs to loans | -0.0437% | 5,515 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0384% | 4,433 |
| Assets per employee ($millions) | 4.1907% | 3,584 |
| Cash dividends to net income (ytd only)* | 11.8829% | 4,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1693% | 185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 17.4243% | 6,088 |
| Net loans and leases to deposits | 20.3597% | 6,086 |
| Net loans and leases to core deposits | 21.4744% | 6,086 |
| Total domestic deposits to total assets | 85.5824% | 2,828 |
| Equity capital to assets | 13.9356% | 956 |
| Core capital (leverage) ratio | 11.5041% | 1,957 |
| Tier 1 risk-based capital ratio | 36.1568% | 307 |
| Total risk-based capital ratio | 37.4116% | 299 |
| Memoranda: | ||
| Average total assets | $125,813,600 | 3,962 |
| Average earning assets | $114,478,000 | 3,990 |
| Average equity | $16,613,200 | 3,581 |
| Average total loans | $22,903,200 | 5,621 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3292% | 5,362 |
| Cost of funding earning assets | 0.0632% | 6,174 |
| Net interest margin | 3.2660% | 4,464 |
| Noninterest income to average assets | 0.7713% | 1,925 |
| Noninterest expense to average assets | 2.3946% | 4,529 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3329% | 1,259 |
| Return on assets (ROA) | 1.3329% | 1,312 |
| Pretax return on assets | 1.3329% | 2,271 |
| Return on Equity (ROE) | 10.2358% | 2,004 |
| Retained earnings to average equity (ytd only) | 9.0398% | 885 |
| Net charge-offs to loans | -0.0639% | 5,629 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2410% | 4,202 |
| Assets per employee ($millions) | 4.3416% | 3,255 |
| Cash dividends to net income (ytd only)* | 11.6855% | 3,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1136% | 215 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 17.2010% | 6,174 |
| Net loans and leases to deposits | 22.1539% | 6,158 |
| Net loans and leases to core deposits | 23.4484% | 6,154 |
| Total domestic deposits to total assets | 77.6434% | 5,242 |
| Equity capital to assets | 12.9438% | 1,476 |
| Core capital (leverage) ratio | 11.2256% | 2,267 |
| Tier 1 risk-based capital ratio | 34.2711% | 373 |
| Total risk-based capital ratio | 35.5250% | 368 |
| Memoranda: | ||
| Average total assets | $125,836,750 | 4,008 |
| Average earning assets | $113,897,250 | 4,045 |
| Average equity | $16,386,500 | 3,645 |
| Average total loans | $22,973,250 | 5,695 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3138% | 5,412 |
| Cost of funding earning assets | 0.0606% | 6,252 |
| Net interest margin | 3.2532% | 4,484 |
| Noninterest income to average assets | 0.7767% | 1,889 |
| Noninterest expense to average assets | 2.4331% | 4,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.2785% | 1,386 |
| Return on assets (ROA) | 1.2785% | 1,445 |
| Pretax return on assets | 1.2785% | 2,441 |
| Return on Equity (ROE) | 9.7973% | 2,160 |
| Retained earnings to average equity (ytd only) | 8.3801% | 1,126 |
| Net charge-offs to loans | 0.0611% | 2,508 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 113.5714% | 551 |
| Efficiency ratio | 65.5546% | 4,093 |
| Assets per employee ($millions) | 4.5844% | 2,851 |
| Cash dividends to net income (ytd only)* | 14.4654% | 3,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0602% | 254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 17.3244% | 6,237 |
| Net loans and leases to deposits | 22.1695% | 6,229 |
| Net loans and leases to core deposits | 23.4655% | 6,221 |
| Total domestic deposits to total assets | 78.1454% | 5,250 |
| Equity capital to assets | 12.3424% | 1,774 |
| Core capital (leverage) ratio | 11.0774% | 2,348 |
| Tier 1 risk-based capital ratio | 33.5141% | 408 |
| Total risk-based capital ratio | 34.7679% | 403 |
| Memoranda: | ||
| Average total assets | $124,366,330 | 4,067 |
| Average earning assets | $112,198,330 | 4,113 |
| Average equity | $16,229,000 | 3,691 |
| Average total loans | $22,923,000 | 5,746 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2009% | 5,647 |
| Cost of funding earning assets | 0.0588% | 6,328 |
| Net interest margin | 3.1421% | 4,815 |
| Noninterest income to average assets | 0.7812% | 1,777 |
| Noninterest expense to average assets | 2.3339% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2421% | 1,427 |
| Return on assets (ROA) | 1.2421% | 1,512 |
| Pretax return on assets | 1.2421% | 2,505 |
| Return on Equity (ROE) | 9.2559% | 2,335 |
| Retained earnings to average equity (ytd only) | 7.1611% | 1,938 |
| Net charge-offs to loans | 0.0349% | 2,514 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 190.0000% | 292 |
| Efficiency ratio | 65.2651% | 4,274 |
| Assets per employee ($millions) | 4.5113% | 3,041 |
| Cash dividends to net income (ytd only)* | 22.6316% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0821% | 276 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 17.6003% | 6,293 |
| Net loans and leases to deposits | 20.9142% | 6,298 |
| Net loans and leases to core deposits | 22.1326% | 6,291 |
| Total domestic deposits to total assets | 84.1548% | 3,757 |
| Equity capital to assets | 13.3435% | 1,242 |
| Core capital (leverage) ratio | 11.4660% | 2,028 |
| Tier 1 risk-based capital ratio | 32.5344% | 445 |
| Total risk-based capital ratio | 33.7878% | 439 |
| Memoranda: | ||
| Average total assets | $122,368,500 | 4,138 |
| Average earning assets | $108,844,500 | 4,200 |
| Average equity | $16,422,000 | 3,673 |
| Average total loans | $22,914,500 | 5,791 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0132% | 6,057 |
| Cost of funding earning assets | 0.0776% | 6,377 |
| Net interest margin | 2.9356% | 5,575 |
| Noninterest income to average assets | 0.7541% | 2,057 |
| Noninterest expense to average assets | 2.4877% | 4,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9166% | 2,797 |
| Return on assets (ROA) | 1.0755% | 2,122 |
| Pretax return on assets | 1.0755% | 3,181 |
| Return on Equity (ROE) | 7.8627% | 3,203 |
| Retained earnings to average equity (ytd only) | 2.7566% | 4,278 |
| Net charge-offs to loans | 0.0088% | 4,738 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 510.5000% | 100 |
| Efficiency ratio | 73.0749% | 3,017 |
| Assets per employee ($millions) | 4.2293% | 3,479 |
| Cash dividends to net income (ytd only)* | 64.9416% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0974% | 266 |
| Loan loss allowance to noncurrent loans | 1,541.3043% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 5,886 |
| Noncurrent loans to loans | 0.2010% | 5,103 |
| Net loans and leases to total assets | 18.7306% | 6,380 |
| Net loans and leases to deposits | 21.6743% | 6,388 |
| Net loans and leases to core deposits | 22.9166% | 6,382 |
| Total domestic deposits to total assets | 86.4188% | 2,611 |
| Equity capital to assets | 13.5018% | 1,160 |
| Core capital (leverage) ratio | 11.8535% | 1,731 |
| Tier 1 risk-based capital ratio | 34.2297% | 358 |
| Total risk-based capital ratio | 35.4862% | 355 |
| Memoranda: | ||
| Average total assets | $111,390,200 | 4,358 |
| Average earning assets | $100,558,400 | 4,380 |
| Average equity | $15,236,400 | 3,790 |
| Average total loans | $22,831,800 | 5,861 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9571% | 6,165 |
| Cost of funding earning assets | 0.0770% | 6,462 |
| Net interest margin | 2.8800% | 5,745 |
| Noninterest income to average assets | 0.7735% | 2,000 |
| Noninterest expense to average assets | 2.5089% | 4,501 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9012% | 2,909 |
| Return on assets (ROA) | 1.1164% | 2,034 |
| Pretax return on assets | 1.1164% | 3,125 |
| Return on Equity (ROE) | 8.1336% | 3,135 |
| Retained earnings to average equity (ytd only) | 1.4265% | 5,328 |
| Net charge-offs to loans | -0.0818% | 6,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5735% | 2,886 |
| Assets per employee ($millions) | 4.1257% | 3,610 |
| Cash dividends to net income (ytd only)* | 82.4620% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1254% | 317 |
| Loan loss allowance to noncurrent loans | 748.4211% | 710 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 5,822 |
| Noncurrent loans to loans | 0.4176% | 4,653 |
| Net loans and leases to total assets | 19.7837% | 6,450 |
| Net loans and leases to deposits | 23.0747% | 6,462 |
| Net loans and leases to core deposits | 24.4291% | 6,450 |
| Total domestic deposits to total assets | 85.7372% | 2,986 |
| Equity capital to assets | 14.0482% | 989 |
| Core capital (leverage) ratio | 12.0824% | 1,648 |
| Tier 1 risk-based capital ratio | 34.1171% | 386 |
| Total risk-based capital ratio | 35.3734% | 379 |
| Memoranda: | ||
| Average total assets | $109,632,500 | 4,428 |
| Average earning assets | $100,367,500 | 4,426 |
| Average equity | $15,048,250 | 3,849 |
| Average total loans | $22,817,250 | 5,923 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8991% | 6,256 |
| Cost of funding earning assets | 0.0756% | 6,533 |
| Net interest margin | 2.8235% | 5,858 |
| Noninterest income to average assets | 0.7667% | 1,977 |
| Noninterest expense to average assets | 2.5329% | 4,476 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8364% | 3,143 |
| Return on assets (ROA) | 1.0785% | 2,085 |
| Pretax return on assets | 1.0785% | 3,187 |
| Return on Equity (ROE) | 7.9203% | 3,140 |
| Retained earnings to average equity (ytd only) | 5.4688% | 2,654 |
| Net charge-offs to loans | -0.0788% | 6,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1769% | 2,782 |
| Assets per employee ($millions) | 4.0557% | 3,722 |
| Cash dividends to net income (ytd only)* | 30.9524% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1549% | 321 |
| Loan loss allowance to noncurrent loans | 23,866.6667% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 6,265 |
| Noncurrent loans to loans | 0.0132% | 6,045 |
| Net loans and leases to total assets | 20.0716% | 6,505 |
| Net loans and leases to deposits | 23.4333% | 6,518 |
| Net loans and leases to core deposits | 24.5134% | 6,513 |
| Total domestic deposits to total assets | 85.6543% | 3,214 |
| Equity capital to assets | 14.1658% | 910 |
| Core capital (leverage) ratio | 12.4581% | 1,418 |
| Tier 1 risk-based capital ratio | 26.9279% | 707 |
| Total risk-based capital ratio | 28.1811% | 694 |
| Memoranda: | ||
| Average total assets | $109,045,000 | 4,463 |
| Average earning assets | $100,514,000 | 4,455 |
| Average equity | $14,848,000 | 3,885 |
| Average total loans | $22,840,000 | 5,965 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8324% | 6,374 |
| Cost of funding earning assets | 0.0756% | 6,615 |
| Net interest margin | 2.7569% | 6,022 |
| Noninterest income to average assets | 0.7646% | 1,890 |
| Noninterest expense to average assets | 2.5107% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8014% | 3,148 |
| Return on assets (ROA) | 1.2131% | 1,509 |
| Pretax return on assets | 1.2131% | 2,432 |
| Return on Equity (ROE) | 9.0934% | 2,418 |
| Retained earnings to average equity (ytd only) | 5.6489% | 2,717 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8047% | 2,832 |
| Assets per employee ($millions) | 4.0921% | 3,732 |
| Cash dividends to net income (ytd only)* | 37.8788% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0769% | 397 |
| Loan loss allowance to noncurrent loans | 7,833.3333% | 91 |
| Noncurrent assets plus other real estate owned to assets | 0.0081% | 6,314 |
| Noncurrent loans to loans | 0.0393% | 6,032 |
| Net loans and leases to total assets | 20.1003% | 6,578 |
| Net loans and leases to deposits | 23.2408% | 6,587 |
| Net loans and leases to core deposits | 24.6118% | 6,572 |
| Total domestic deposits to total assets | 86.4870% | 3,114 |
| Equity capital to assets | 13.3755% | 1,146 |
| Core capital (leverage) ratio | 12.5925% | 1,343 |
| Tier 1 risk-based capital ratio | 27.5234% | 678 |
| Total risk-based capital ratio | 28.7763% | 664 |
| Memoranda: | ||
| Average total assets | $108,816,000 | 4,513 |
| Average earning assets | $100,549,500 | 4,493 |
| Average equity | $14,516,000 | 3,947 |
| Average total loans | $22,912,500 | 6,021 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0033% | 6,346 |
| Cost of funding earning assets | 0.1008% | 6,671 |
| Net interest margin | 2.9025% | 5,781 |
| Noninterest income to average assets | 0.9105% | 1,644 |
| Noninterest expense to average assets | 2.6088% | 4,427 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8803% | 2,878 |
| Return on assets (ROA) | 0.8794% | 2,970 |
| Pretax return on assets | 0.8794% | 3,852 |
| Return on Equity (ROE) | 6.3354% | 3,907 |
| Retained earnings to average equity (ytd only) | 5.6829% | 2,167 |
| Net charge-offs to loans | 0.0790% | 4,116 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 53.1765% | 758 |
| Efficiency ratio | 74.7697% | 3,002 |
| Assets per employee ($millions) | 3.9684% | 3,927 |
| Cash dividends to net income (ytd only)* | 10.2990% | 4,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0857% | 426 |
| Loan loss allowance to noncurrent loans | 7,855.5556% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0084% | 6,406 |
| Noncurrent loans to loans | 0.0393% | 6,128 |
| Net loans and leases to total assets | 20.7241% | 6,660 |
| Net loans and leases to deposits | 23.9275% | 6,668 |
| Net loans and leases to core deposits | 25.4601% | 6,654 |
| Total domestic deposits to total assets | 86.6117% | 2,931 |
| Equity capital to assets | 13.3033% | 1,139 |
| Core capital (leverage) ratio | 12.2606% | 1,464 |
| Tier 1 risk-based capital ratio | 27.1131% | 667 |
| Total risk-based capital ratio | 28.3665% | 658 |
| Memoranda: | ||
| Average total assets | $102,689,400 | 4,678 |
| Average earning assets | $91,233,000 | 4,739 |
| Average equity | $14,253,200 | 4,016 |
| Average total loans | $21,530,800 | 6,130 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0568% | 6,363 |
| Cost of funding earning assets | 0.1061% | 6,752 |
| Net interest margin | 2.9508% | 5,697 |
| Noninterest income to average assets | 0.9687% | 1,546 |
| Noninterest expense to average assets | 2.6489% | 4,206 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9123% | 2,767 |
| Return on assets (ROA) | 0.9110% | 2,880 |
| Pretax return on assets | 0.9110% | 3,837 |
| Return on Equity (ROE) | 6.4920% | 3,931 |
| Retained earnings to average equity (ytd only) | 5.9682% | 2,432 |
| Net charge-offs to loans | 0.0378% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 115.8300% | 443 |
| Efficiency ratio | 74.3826% | 3,000 |
| Assets per employee ($millions) | 3.8700% | 4,093 |
| Cash dividends to net income (ytd only)* | 8.0686% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2994% | 413 |
| Loan loss allowance to noncurrent loans | 8,033.3333% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0995% | 6,138 |
| Noncurrent loans to loans | 0.0411% | 6,220 |
| Net loans and leases to total assets | 20.2795% | 6,747 |
| Net loans and leases to deposits | 23.4662% | 6,757 |
| Net loans and leases to core deposits | 25.0130% | 6,747 |
| Total domestic deposits to total assets | 86.4198% | 3,014 |
| Equity capital to assets | 13.3611% | 1,177 |
| Core capital (leverage) ratio | 12.6946% | 1,326 |
| Tier 1 risk-based capital ratio | 27.0640% | 701 |
| Total risk-based capital ratio | 28.3172% | 685 |
| Memoranda: | ||
| Average total assets | $101,575,250 | 4,746 |
| Average earning assets | $89,240,250 | 4,841 |
| Average equity | $14,253,000 | 4,068 |
| Average total loans | $21,185,500 | 6,205 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0496% | 6,395 |
| Cost of funding earning assets | 0.1146% | 6,793 |
| Net interest margin | 2.9351% | 5,714 |
| Noninterest income to average assets | 1.0536% | 1,372 |
| Noninterest expense to average assets | 2.7176% | 3,969 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8827% | 2,882 |
| Return on assets (ROA) | 0.8807% | 3,044 |
| Pretax return on assets | 0.8807% | 3,978 |
| Return on Equity (ROE) | 6.1741% | 4,060 |
| Retained earnings to average equity (ytd only) | 6.1741% | 2,336 |
| Net charge-offs to loans | 0.0668% | 3,753 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 63.4286% | 675 |
| Efficiency ratio | 75.4832% | 2,860 |
| Assets per employee ($millions) | 3.4054% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2753% | 449 |
| Loan loss allowance to noncurrent loans | 5,546.1538% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.1507% | 6,040 |
| Noncurrent loans to loans | 0.0591% | 6,210 |
| Net loans and leases to total assets | 20.8414% | 6,779 |
| Net loans and leases to deposits | 24.1062% | 6,802 |
| Net loans and leases to core deposits | 25.3500% | 6,789 |
| Total domestic deposits to total assets | 86.4568% | 3,136 |
| Equity capital to assets | 13.3494% | 1,203 |
| Core capital (leverage) ratio | 12.8508% | 1,228 |
| Tier 1 risk-based capital ratio | 35.3943% | 329 |
| Total risk-based capital ratio | 36.6546% | 318 |
| Memoranda: | ||
| Average total assets | $100,603,670 | 4,799 |
| Average earning assets | $87,289,000 | 4,922 |
| Average equity | $14,350,330 | 4,081 |
| Average total loans | $20,943,000 | 6,256 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9994% | 6,518 |
| Cost of funding earning assets | 0.1194% | 6,861 |
| Net interest margin | 2.8800% | 5,859 |
| Noninterest income to average assets | 0.8054% | 2,105 |
| Noninterest expense to average assets | 2.6607% | 4,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6572% | 3,915 |
| Return on assets (ROA) | 0.6612% | 4,055 |
| Pretax return on assets | 0.6612% | 4,748 |
| Return on Equity (ROE) | 4.4878% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.4878% | 3,539 |
| Net charge-offs to loans | 0.1372% | 2,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 23.4286% | 1,106 |
| Efficiency ratio | 80.1932% | 2,311 |
| Assets per employee ($millions) | 3.3340% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4265% | 447 |
| Loan loss allowance to noncurrent loans | 1,756.0976% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 6,159 |
| Noncurrent loans to loans | 0.1951% | 5,916 |
| Net loans and leases to total assets | 20.2891% | 6,853 |
| Net loans and leases to deposits | 23.8463% | 6,859 |
| Net loans and leases to core deposits | 25.1556% | 6,853 |
| Total domestic deposits to total assets | 85.0828% | 4,001 |
| Equity capital to assets | 14.7722% | 811 |
| Core capital (leverage) ratio | 12.6834% | 1,258 |
| Tier 1 risk-based capital ratio | 35.9773% | 313 |
| Total risk-based capital ratio | 37.2380% | 310 |
| Memoranda: | ||
| Average total assets | $99,824,500 | 4,871 |
| Average earning assets | $87,083,000 | 4,955 |
| Average equity | $14,706,500 | 4,054 |
| Average total loans | $20,408,000 | 6,339 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0416% | 6,751 |
| Cost of funding earning assets | 0.1652% | 6,896 |
| Net interest margin | 2.8764% | 6,268 |
| Noninterest income to average assets | 0.8805% | 1,929 |
| Noninterest expense to average assets | 3.0556% | 3,073 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4225% | 4,998 |
| Return on assets (ROA) | 0.5946% | 4,528 |
| Pretax return on assets | 0.5946% | 5,007 |
| Return on Equity (ROE) | 3.8345% | 5,213 |
| Retained earnings to average equity (ytd only) | -0.2085% | 5,887 |
| Net charge-offs to loans | -0.0473% | 6,697 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8524% | 1,254 |
| Assets per employee ($millions) | 3.1134% | 5,817 |
| Cash dividends to net income (ytd only)* | 105.4386% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6611% | 373 |
| Loan loss allowance to noncurrent loans | 1,686.0465% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.1395% | 6,218 |
| Noncurrent loans to loans | 0.2171% | 5,932 |
| Net loans and leases to total assets | 19.1489% | 6,938 |
| Net loans and leases to deposits | 22.4733% | 6,948 |
| Net loans and leases to core deposits | 23.6714% | 6,935 |
| Total domestic deposits to total assets | 85.2073% | 3,763 |
| Equity capital to assets | 14.6924% | 826 |
| Core capital (leverage) ratio | 12.5286% | 1,310 |
| Tier 1 risk-based capital ratio | 35.5289% | 332 |
| Total risk-based capital ratio | 36.7905% | 325 |
| Memoranda: | ||
| Average total assets | $95,856,000 | 4,942 |
| Average earning assets | $86,566,400 | 4,948 |
| Average equity | $14,865,000 | 3,993 |
| Average total loans | $19,010,600 | 6,462 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3238% | 6,710 |
| Cost of funding earning assets | 0.1752% | 6,995 |
| Net interest margin | 3.1487% | 5,827 |
| Noninterest income to average assets | 0.8611% | 1,979 |
| Noninterest expense to average assets | 3.0947% | 2,907 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6448% | 4,172 |
| Return on assets (ROA) | 0.6181% | 4,562 |
| Pretax return on assets | 0.6181% | 5,113 |
| Return on Equity (ROE) | 3.9315% | 5,315 |
| Retained earnings to average equity (ytd only) | 3.0916% | 4,694 |
| Net charge-offs to loans | -0.0709% | 6,787 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7573% | 1,729 |
| Assets per employee ($millions) | 2.8889% | 6,234 |
| Cash dividends to net income (ytd only)* | 21.3637% | 2,989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7728% | 369 |
| Loan loss allowance to noncurrent loans | 1,765.8537% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.2224% | 6,151 |
| Noncurrent loans to loans | 0.2137% | 6,072 |
| Net loans and leases to total assets | 19.3698% | 7,038 |
| Net loans and leases to deposits | 23.3431% | 7,049 |
| Net loans and leases to core deposits | 24.7823% | 7,039 |
| Total domestic deposits to total assets | 82.9788% | 4,647 |
| Equity capital to assets | 15.9870% | 608 |
| Core capital (leverage) ratio | 13.2077% | 1,109 |
| Tier 1 risk-based capital ratio | 35.4007% | 343 |
| Total risk-based capital ratio | 36.6594% | 336 |
| Memoranda: | ||
| Average total assets | $94,912,500 | 5,014 |
| Average earning assets | $86,765,000 | 4,991 |
| Average equity | $14,921,750 | 4,025 |
| Average total loans | $18,812,500 | 6,561 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4088% | 6,718 |
| Cost of funding earning assets | 0.1827% | 7,063 |
| Net interest margin | 3.2261% | 5,657 |
| Noninterest income to average assets | 0.8758% | 1,877 |
| Noninterest expense to average assets | 3.1528% | 2,740 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6669% | 4,029 |
| Return on assets (ROA) | 0.6268% | 4,491 |
| Pretax return on assets | 0.6268% | 5,046 |
| Return on Equity (ROE) | 4.0094% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.7404% | 4,797 |
| Net charge-offs to loans | -0.0856% | 6,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5414% | 1,814 |
| Assets per employee ($millions) | 2.9618% | 6,132 |
| Cash dividends to net income (ytd only)* | 31.6498% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8218% | 389 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 6,358 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 18.3069% | 7,106 |
| Net loans and leases to deposits | 21.6214% | 7,118 |
| Net loans and leases to core deposits | 22.8451% | 7,113 |
| Total domestic deposits to total assets | 84.6704% | 4,018 |
| Equity capital to assets | 15.1014% | 759 |
| Core capital (leverage) ratio | 12.9855% | 1,155 |
| Tier 1 risk-based capital ratio | 35.6957% | 324 |
| Total risk-based capital ratio | 36.9566% | 319 |
| Memoranda: | ||
| Average total assets | $94,772,000 | 5,046 |
| Average earning assets | $86,481,330 | 5,036 |
| Average equity | $14,815,330 | 4,028 |
| Average total loans | $18,686,670 | 6,615 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5814% | 6,598 |
| Cost of funding earning assets | 0.1927% | 7,119 |
| Net interest margin | 3.3887% | 5,163 |
| Noninterest income to average assets | 0.9433% | 1,588 |
| Noninterest expense to average assets | 3.1944% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8404% | 3,196 |
| Return on assets (ROA) | 0.7589% | 3,815 |
| Pretax return on assets | 0.7589% | 4,573 |
| Return on Equity (ROE) | 4.7699% | 4,896 |
| Retained earnings to average equity (ytd only) | 2.2367% | 5,137 |
| Net charge-offs to loans | -0.1068% | 6,813 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1711% | 2,321 |
| Assets per employee ($millions) | 2.8992% | 6,351 |
| Cash dividends to net income (ytd only)* | 53.1073% | 1,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8641% | 411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 6,436 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 18.5413% | 7,163 |
| Net loans and leases to deposits | 21.9596% | 7,168 |
| Net loans and leases to core deposits | 23.2615% | 7,164 |
| Total domestic deposits to total assets | 84.4334% | 4,309 |
| Equity capital to assets | 15.4004% | 679 |
| Core capital (leverage) ratio | 13.4440% | 972 |
| Tier 1 risk-based capital ratio | 36.4433% | 301 |
| Total risk-based capital ratio | 37.7052% | 293 |
| Memoranda: | ||
| Average total assets | $93,288,500 | 5,118 |
| Average earning assets | $85,107,000 | 5,110 |
| Average equity | $14,843,000 | 4,029 |
| Average total loans | $18,728,000 | 6,675 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1990% | 6,055 |
| Cost of funding earning assets | 0.2969% | 7,110 |
| Net interest margin | 3.9021% | 3,330 |
| Noninterest income to average assets | 0.9273% | 1,583 |
| Noninterest expense to average assets | 3.2173% | 2,800 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2700% | 1,325 |
| Return on assets (ROA) | 1.2723% | 1,418 |
| Pretax return on assets | 1.2723% | 2,228 |
| Return on Equity (ROE) | 7.9457% | 2,935 |
| Retained earnings to average equity (ytd only) | 6.0225% | 2,002 |
| Net charge-offs to loans | 0.0201% | 6,160 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 274.2500% | 129 |
| Efficiency ratio | 71.6976% | 3,639 |
| Assets per employee ($millions) | 2.9324% | 6,223 |
| Cash dividends to net income (ytd only)* | 24.2038% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7255% | 456 |
| Loan loss allowance to noncurrent loans | 3,371.4286% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.2112% | 6,439 |
| Noncurrent loans to loans | 0.1105% | 6,537 |
| Net loans and leases to total assets | 20.1267% | 7,203 |
| Net loans and leases to deposits | 24.1277% | 7,207 |
| Net loans and leases to core deposits | 25.6110% | 7,201 |
| Total domestic deposits to total assets | 83.4177% | 4,585 |
| Equity capital to assets | 16.4481% | 521 |
| Core capital (leverage) ratio | 14.1178% | 794 |
| Tier 1 risk-based capital ratio | 37.9056% | 273 |
| Total risk-based capital ratio | 39.1657% | 265 |
| Memoranda: | ||
| Average total assets | $86,378,000 | 5,283 |
| Average earning assets | $78,803,800 | 5,268 |
| Average equity | $13,831,400 | 4,148 |
| Average total loans | $19,890,400 | 6,662 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3073% | 5,929 |
| Cost of funding earning assets | 0.3173% | 7,189 |
| Net interest margin | 3.9900% | 2,955 |
| Noninterest income to average assets | 0.9384% | 1,521 |
| Noninterest expense to average assets | 3.2220% | 2,759 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3545% | 1,255 |
| Return on assets (ROA) | 1.3576% | 1,330 |
| Pretax return on assets | 1.3576% | 2,093 |
| Return on Equity (ROE) | 8.5402% | 2,802 |
| Retained earnings to average equity (ytd only) | 6.1690% | 2,450 |
| Net charge-offs to loans | 0.1326% | 4,726 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 43.2936% | 734 |
| Efficiency ratio | 70.4033% | 3,880 |
| Assets per employee ($millions) | 2.7340% | 6,605 |
| Cash dividends to net income (ytd only)* | 27.7655% | 2,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5078% | 559 |
| Loan loss allowance to noncurrent loans | 729.4737% | 471 |
| Noncurrent assets plus other real estate owned to assets | 0.3612% | 6,178 |
| Noncurrent loans to loans | 0.4809% | 5,884 |
| Net loans and leases to total assets | 21.7895% | 7,260 |
| Net loans and leases to deposits | 26.3399% | 7,264 |
| Net loans and leases to core deposits | 28.4828% | 7,246 |
| Total domestic deposits to total assets | 82.7243% | 4,783 |
| Equity capital to assets | 16.9968% | 483 |
| Core capital (leverage) ratio | 14.0246% | 898 |
| Tier 1 risk-based capital ratio | 36.5186% | 311 |
| Total risk-based capital ratio | 37.7802% | 307 |
| Memoranda: | ||
| Average total assets | $85,246,500 | 5,345 |
| Average earning assets | $77,726,750 | 5,338 |
| Average equity | $13,551,250 | 4,230 |
| Average total loans | $20,112,000 | 6,717 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3690% | 5,793 |
| Cost of funding earning assets | 0.3331% | 7,256 |
| Net interest margin | 4.0359% | 2,667 |
| Noninterest income to average assets | 0.9396% | 1,496 |
| Noninterest expense to average assets | 3.2379% | 2,778 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3728% | 1,139 |
| Return on assets (ROA) | 1.3775% | 1,200 |
| Pretax return on assets | 1.3775% | 1,868 |
| Return on Equity (ROE) | 8.8776% | 2,563 |
| Retained earnings to average equity (ytd only) | 5.8421% | 2,521 |
| Net charge-offs to loans | 0.0593% | 5,054 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 374 |
| Efficiency ratio | 70.2259% | 4,067 |
| Assets per employee ($millions) | 2.7600% | 6,539 |
| Cash dividends to net income (ytd only)* | 34.1924% | 2,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5521% | 578 |
| Loan loss allowance to noncurrent loans | 295.0000% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.3693% | 6,215 |
| Noncurrent loans to loans | 1.2041% | 4,644 |
| Net loans and leases to total assets | 22.4682% | 7,339 |
| Net loans and leases to deposits | 26.8713% | 7,343 |
| Net loans and leases to core deposits | 29.0770% | 7,331 |
| Total domestic deposits to total assets | 83.6140% | 4,502 |
| Equity capital to assets | 16.1405% | 597 |
| Core capital (leverage) ratio | 13.8874% | 894 |
| Tier 1 risk-based capital ratio | 35.8216% | 328 |
| Total risk-based capital ratio | 37.0812% | 323 |
| Memoranda: | ||
| Average total assets | $84,499,670 | 5,409 |
| Average earning assets | $76,859,330 | 5,402 |
| Average equity | $13,111,670 | 4,316 |
| Average total loans | $20,230,670 | 6,769 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 5,639 |
| Cost of funding earning assets | 0.3622% | 7,299 |
| Net interest margin | 4.0526% | 2,463 |
| Noninterest income to average assets | 0.9718% | 1,407 |
| Noninterest expense to average assets | 3.1488% | 3,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5006% | 874 |
| Return on assets (ROA) | 1.5006% | 918 |
| Pretax return on assets | 1.5006% | 1,445 |
| Return on Equity (ROE) | 9.8727% | 2,140 |
| Retained earnings to average equity (ytd only) | 5.3281% | 2,985 |
| Net charge-offs to loans | -0.0981% | 7,081 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7254% | 4,706 |
| Assets per employee ($millions) | 2.8383% | 6,460 |
| Cash dividends to net income (ytd only)* | 46.0317% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5684% | 575 |
| Loan loss allowance to noncurrent loans | 656.8807% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 6,845 |
| Noncurrent loans to loans | 0.5432% | 5,939 |
| Net loans and leases to total assets | 22.7237% | 7,391 |
| Net loans and leases to deposits | 26.8874% | 7,403 |
| Net loans and leases to core deposits | 28.8215% | 7,389 |
| Total domestic deposits to total assets | 84.5142% | 4,261 |
| Equity capital to assets | 15.2861% | 707 |
| Core capital (leverage) ratio | 13.9328% | 869 |
| Tier 1 risk-based capital ratio | 30.0988% | 519 |
| Total risk-based capital ratio | 31.3560% | 509 |
| Memoranda: | ||
| Average total assets | $83,969,000 | 5,472 |
| Average earning assets | $76,198,500 | 5,468 |
| Average equity | $12,762,500 | 4,392 |
| Average total loans | $20,380,000 | 6,818 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 6,493 |
| Cost of funding earning assets | 0.4267% | 7,403 |
| Net interest margin | 4.0336% | 2,872 |
| Noninterest income to average assets | 0.9890% | 1,541 |
| Noninterest expense to average assets | 3.2641% | 2,857 |
| Loan and lease loss provision to assets | 0.0302% | 6,826 |
| Net operating income to assets | 1.4181% | 910 |
| Return on assets (ROA) | 1.4446% | 933 |
| Pretax return on assets | 1.4446% | 1,526 |
| Return on Equity (ROE) | 9.0573% | 2,268 |
| Retained earnings to average equity (ytd only) | 5.8620% | 1,905 |
| Net charge-offs to loans | 0.1240% | 5,651 |
| Credit loss provision to net charge-offs | 92.3077% | 5,024 |
| Earnings coverage of net charge-offs (x) | 44.2692% | 529 |
| Efficiency ratio | 69.2657% | 4,321 |
| Assets per employee ($millions) | 2.7596% | 6,592 |
| Cash dividends to net income (ytd only)* | 35.2787% | 2,805 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4404% | 613 |
| Loan loss allowance to noncurrent loans | 345.6311% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 6,614 |
| Noncurrent loans to loans | 0.9954% | 5,070 |
| Net loans and leases to total assets | 24.1373% | 7,468 |
| Net loans and leases to deposits | 28.4820% | 7,479 |
| Net loans and leases to core deposits | 30.6248% | 7,465 |
| Total domestic deposits to total assets | 84.7456% | 3,975 |
| Equity capital to assets | 15.1095% | 759 |
| Core capital (leverage) ratio | 14.0441% | 836 |
| Tier 1 risk-based capital ratio | 33.9410% | 375 |
| Total risk-based capital ratio | 35.2005% | 368 |
| Memoranda: | ||
| Average total assets | $79,470,200 | 5,609 |
| Average earning assets | $73,358,200 | 5,560 |
| Average equity | $12,674,800 | 4,439 |
| Average total loans | $20,970,000 | 6,872 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4597% | 6,693 |
| Cost of funding earning assets | 0.4443% | 7,522 |
| Net interest margin | 4.0153% | 3,028 |
| Noninterest income to average assets | 1.0105% | 1,439 |
| Noninterest expense to average assets | 3.2722% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4615% | 997 |
| Return on assets (ROA) | 1.4971% | 1,008 |
| Pretax return on assets | 1.4971% | 1,631 |
| Return on Equity (ROE) | 9.2582% | 2,403 |
| Retained earnings to average equity (ytd only) | 5.8087% | 2,471 |
| Net charge-offs to loans | 0.2091% | 4,691 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 26.1205% | 972 |
| Efficiency ratio | 69.1261% | 4,241 |
| Assets per employee ($millions) | 2.7888% | 6,605 |
| Cash dividends to net income (ytd only)* | 37.2598% | 2,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2294% | 680 |
| Loan loss allowance to noncurrent loans | 332.0197% | 893 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 6,740 |
| Noncurrent loans to loans | 0.9726% | 5,290 |
| Net loans and leases to total assets | 24.9731% | 7,551 |
| Net loans and leases to deposits | 29.9348% | 7,560 |
| Net loans and leases to core deposits | 33.7771% | 7,536 |
| Total domestic deposits to total assets | 83.4250% | 4,411 |
| Equity capital to assets | 16.2844% | 620 |
| Core capital (leverage) ratio | 14.3631% | 840 |
| Tier 1 risk-based capital ratio | 34.8110% | 355 |
| Total risk-based capital ratio | 36.0722% | 344 |
| Memoranda: | ||
| Average total assets | $78,640,500 | 5,699 |
| Average earning assets | $72,918,500 | 5,637 |
| Average equity | $12,716,250 | 4,495 |
| Average total loans | $21,038,750 | 6,958 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5148% | 6,673 |
| Cost of funding earning assets | 0.4529% | 7,597 |
| Net interest margin | 4.0620% | 2,736 |
| Noninterest income to average assets | 1.0296% | 1,283 |
| Noninterest expense to average assets | 3.2993% | 2,565 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5071% | 904 |
| Return on assets (ROA) | 1.5354% | 896 |
| Pretax return on assets | 1.5354% | 1,461 |
| Return on Equity (ROE) | 9.5185% | 2,266 |
| Retained earnings to average equity (ytd only) | 5.4596% | 2,637 |
| Net charge-offs to loans | 0.3034% | 3,794 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 18.3438% | 1,292 |
| Efficiency ratio | 68.6432% | 4,449 |
| Assets per employee ($millions) | 2.7434% | 6,702 |
| Cash dividends to net income (ytd only)* | 42.6421% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2639% | 665 |
| Loan loss allowance to noncurrent loans | 663.1068% | 500 |
| Noncurrent assets plus other real estate owned to assets | 0.1295% | 7,064 |
| Noncurrent loans to loans | 0.4922% | 6,263 |
| Net loans and leases to total assets | 25.4437% | 7,618 |
| Net loans and leases to deposits | 30.4640% | 7,633 |
| Net loans and leases to core deposits | 32.7578% | 7,620 |
| Total domestic deposits to total assets | 83.5206% | 4,325 |
| Equity capital to assets | 16.2041% | 641 |
| Core capital (leverage) ratio | 14.0538% | 917 |
| Tier 1 risk-based capital ratio | 37.2016% | 296 |
| Total risk-based capital ratio | 38.4651% | 287 |
| Memoranda: | ||
| Average total assets | $77,895,670 | 5,761 |
| Average earning assets | $72,427,670 | 5,692 |
| Average equity | $12,565,000 | 4,534 |
| Average total loans | $21,094,670 | 7,011 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 6,192 |
| Cost of funding earning assets | 0.4246% | 7,756 |
| Net interest margin | 4.2906% | 1,715 |
| Noninterest income to average assets | 1.0589% | 1,135 |
| Noninterest expense to average assets | 3.3116% | 2,494 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7336% | 572 |
| Return on assets (ROA) | 1.7440% | 609 |
| Pretax return on assets | 1.7440% | 977 |
| Return on Equity (ROE) | 10.8374% | 1,826 |
| Retained earnings to average equity (ytd only) | 4.2575% | 3,601 |
| Net charge-offs to loans | 0.1511% | 4,030 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 663 |
| Efficiency ratio | 65.6379% | 5,195 |
| Assets per employee ($millions) | 2.7231% | 6,815 |
| Cash dividends to net income (ytd only)* | 60.7143% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3466% | 608 |
| Loan loss allowance to noncurrent loans | 916.8831% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.0975% | 7,239 |
| Noncurrent loans to loans | 0.3650% | 6,568 |
| Net loans and leases to total assets | 25.8199% | 7,704 |
| Net loans and leases to deposits | 30.7523% | 7,721 |
| Net loans and leases to core deposits | 32.5454% | 7,710 |
| Total domestic deposits to total assets | 83.9610% | 4,163 |
| Equity capital to assets | 15.7845% | 704 |
| Core capital (leverage) ratio | 14.3020% | 895 |
| Tier 1 risk-based capital ratio | 38.3320% | 281 |
| Total risk-based capital ratio | 39.5960% | 270 |
| Memoranda: | ||
| Average total assets | $77,063,500 | 5,852 |
| Average earning assets | $71,599,000 | 5,791 |
| Average equity | $12,401,500 | 4,616 |
| Average total loans | $21,179,000 | 7,091 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4272% | 4,549 |
| Cost of funding earning assets | 0.6063% | 7,772 |
| Net interest margin | 4.8209% | 662 |
| Noninterest income to average assets | 1.0005% | 1,571 |
| Noninterest expense to average assets | 3.3932% | 2,703 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.0766% | 192 |
| Return on assets (ROA) | 2.1179% | 188 |
| Pretax return on assets | 2.1179% | 328 |
| Return on Equity (ROE) | 13.3979% | 889 |
| Retained earnings to average equity (ytd only) | 9.2159% | 464 |
| Net charge-offs to loans | -0.0575% | 7,852 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0352% | 6,150 |
| Assets per employee ($millions) | 2.5916% | 7,056 |
| Cash dividends to net income (ytd only)* | 31.2135% | 3,278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3581% | 594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 27.3401% | 7,760 |
| Net loans and leases to deposits | 32.8080% | 7,776 |
| Net loans and leases to core deposits | 38.9957% | 7,776 |
| Total domestic deposits to total assets | 83.3336% | 4,371 |
| Equity capital to assets | 16.4163% | 632 |
| Core capital (leverage) ratio | 14.7152% | 836 |
| Tier 1 risk-based capital ratio | 30.6318% | 489 |
| Total risk-based capital ratio | 31.8919% | 479 |
| Memoranda: | ||
| Average total assets | $72,762,400 | 5,920 |
| Average earning assets | $67,456,000 | 5,886 |
| Average equity | $11,501,800 | 4,876 |
| Average total loans | $20,864,600 | 7,148 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5156% | 4,342 |
| Cost of funding earning assets | 0.6343% | 7,868 |
| Net interest margin | 4.8812% | 578 |
| Noninterest income to average assets | 0.9644% | 1,725 |
| Noninterest expense to average assets | 3.4476% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.0379% | 270 |
| Return on assets (ROA) | 2.0933% | 264 |
| Pretax return on assets | 2.0933% | 451 |
| Return on Equity (ROE) | 13.3770% | 1,034 |
| Retained earnings to average equity (ytd only) | 8.8078% | 890 |
| Net charge-offs to loans | -0.1220% | 7,936 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8494% | 5,958 |
| Assets per employee ($millions) | 2.4907% | 7,241 |
| Cash dividends to net income (ytd only)* | 34.1573% | 2,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4501% | 439 |
| Loan loss allowance to noncurrent loans | 690.3846% | 492 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 7,185 |
| Noncurrent loans to loans | 0.4997% | 6,309 |
| Net loans and leases to total assets | 27.8185% | 7,848 |
| Net loans and leases to deposits | 33.5370% | 7,867 |
| Net loans and leases to core deposits | 40.7897% | 7,844 |
| Total domestic deposits to total assets | 82.9487% | 4,251 |
| Equity capital to assets | 16.6941% | 672 |
| Core capital (leverage) ratio | 14.4763% | 959 |
| Tier 1 risk-based capital ratio | 30.4073% | 545 |
| Total risk-based capital ratio | 31.6667% | 530 |
| Memoranda: | ||
| Average total assets | $72,163,750 | 5,975 |
| Average earning assets | $66,839,500 | 5,943 |
| Average equity | $11,292,750 | 4,986 |
| Average total loans | $20,765,250 | 7,216 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4945% | 4,665 |
| Cost of funding earning assets | 0.6620% | 7,946 |
| Net interest margin | 4.8325% | 620 |
| Noninterest income to average assets | 0.9260% | 1,869 |
| Noninterest expense to average assets | 3.3462% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0321% | 273 |
| Return on assets (ROA) | 2.1097% | 253 |
| Pretax return on assets | 2.1097% | 423 |
| Return on Equity (ROE) | 13.7891% | 1,029 |
| Retained earnings to average equity (ytd only) | 8.3351% | 1,110 |
| Net charge-offs to loans | -0.2217% | 8,039 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2165% | 6,219 |
| Assets per employee ($millions) | 2.4955% | 7,265 |
| Cash dividends to net income (ytd only)* | 39.5532% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4730% | 387 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 7,011 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 27.4980% | 7,937 |
| Net loans and leases to deposits | 32.7383% | 7,960 |
| Net loans and leases to core deposits | 39.6272% | 7,934 |
| Total domestic deposits to total assets | 83.9931% | 3,777 |
| Equity capital to assets | 15.5426% | 921 |
| Core capital (leverage) ratio | 14.0973% | 1,117 |
| Tier 1 risk-based capital ratio | 29.2545% | 648 |
| Total risk-based capital ratio | 30.5142% | 632 |
| Memoranda: | ||
| Average total assets | $72,142,000 | 6,027 |
| Average earning assets | $66,466,330 | 5,992 |
| Average equity | $11,037,670 | 5,078 |
| Average total loans | $20,750,000 | 7,282 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5869% | 4,441 |
| Cost of funding earning assets | 0.7037% | 7,989 |
| Net interest margin | 4.8833% | 521 |
| Noninterest income to average assets | 0.9052% | 1,827 |
| Noninterest expense to average assets | 3.3154% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0603% | 315 |
| Return on assets (ROA) | 2.1714% | 284 |
| Pretax return on assets | 2.1714% | 466 |
| Return on Equity (ROE) | 14.3060% | 1,105 |
| Retained earnings to average equity (ytd only) | 9.5495% | 1,323 |
| Net charge-offs to loans | -0.7878% | 8,143 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6736% | 6,112 |
| Assets per employee ($millions) | 2.4792% | 7,324 |
| Cash dividends to net income (ytd only)* | 33.2481% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5823% | 307 |
| Loan loss allowance to noncurrent loans | 1,500.0000% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.2726% | 6,689 |
| Noncurrent loans to loans | 0.2388% | 6,847 |
| Net loans and leases to total assets | 28.0767% | 7,958 |
| Net loans and leases to deposits | 33.3813% | 7,991 |
| Net loans and leases to core deposits | 40.1113% | 7,979 |
| Total domestic deposits to total assets | 84.1090% | 3,649 |
| Equity capital to assets | 15.5182% | 961 |
| Core capital (leverage) ratio | 13.9191% | 1,205 |
| Tier 1 risk-based capital ratio | 29.6171% | 641 |
| Total risk-based capital ratio | 30.8795% | 624 |
| Memoranda: | ||
| Average total assets | $72,028,500 | 6,065 |
| Average earning assets | $65,939,500 | 6,041 |
| Average equity | $10,932,500 | 5,128 |
| Average total loans | $20,817,000 | 7,315 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9865% | 5,610 |
| Cost of funding earning assets | 0.9988% | 8,056 |
| Net interest margin | 4.9877% | 524 |
| Noninterest income to average assets | 0.9486% | 1,773 |
| Noninterest expense to average assets | 3.6054% | 2,129 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.9389% | 403 |
| Return on assets (ROA) | 1.9702% | 364 |
| Pretax return on assets | 1.9702% | 663 |
| Return on Equity (ROE) | 13.4432% | 1,228 |
| Retained earnings to average equity (ytd only) | 8.9723% | 615 |
| Net charge-offs to loans | 0.0476% | 6,106 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 130.2000% | 343 |
| Efficiency ratio | 65.0282% | 5,322 |
| Assets per employee ($millions) | 2.4883% | 7,220 |
| Cash dividends to net income (ytd only)* | 33.2577% | 3,982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4255% | 298 |
| Loan loss allowance to noncurrent loans | 644.5455% | 699 |
| Noncurrent assets plus other real estate owned to assets | 0.1524% | 6,961 |
| Noncurrent loans to loans | 0.5315% | 5,761 |
| Net loans and leases to total assets | 27.7006% | 8,043 |
| Net loans and leases to deposits | 32.6586% | 8,088 |
| Net loans and leases to core deposits | 39.9708% | 8,053 |
| Total domestic deposits to total assets | 84.8187% | 2,926 |
| Equity capital to assets | 14.8390% | 1,199 |
| Core capital (leverage) ratio | 13.7519% | 1,319 |
| Tier 1 risk-based capital ratio | 29.1977% | 686 |
| Total risk-based capital ratio | 30.4576% | 673 |
| Memoranda: | ||
| Average total assets | $67,150,000 | 6,119 |
| Average earning assets | $61,872,200 | 6,091 |
| Average equity | $9,841,400 | 5,454 |
| Average total loans | $21,025,800 | 7,260 |