Home > First Bank and Trust of Fullerton > Performance and Condition Ratios
First Bank and Trust of Fullerton, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3909% | 2,347 |
| Cost of funding earning assets | 2.1811% | 1,785 |
| Net interest margin | 3.2098% | 2,701 |
| Noninterest income to average assets | 0.2600% | 3,313 |
| Noninterest expense to average assets | 2.1927% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 0.8503% | 2,548 |
| Return on assets (ROA) | 0.8503% | 2,554 |
| Pretax return on assets | 0.9987% | 2,531 |
| Return on Equity (ROE) | 6.7800% | 3,085 |
| Retained earnings to average equity (ytd only) | 3.4190% | 2,861 |
| Net charge-offs to loans | 0.0015% | 2,997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 1,023.0000% | 131 |
| Efficiency ratio | 68.7060% | 2,148 |
| Assets per employee ($millions) | 9.4610% | 905 |
| Cash dividends to net income (ytd only)* | 49.5982% | 1,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3655% | 1,415 |
| Loan loss allowance to noncurrent loans | 7,991.6667% | 141 |
| Noncurrent assets plus other real estate owned to assets | 0.0115% | 3,666 |
| Noncurrent loans to loans | 0.0171% | 3,635 |
| Net loans and leases to total assets | 66.5600% | 2,309 |
| Net loans and leases to deposits | 87.4699% | 1,450 |
| Net loans and leases to core deposits | 97.0889% | 1,649 |
| Total domestic deposits to total assets | 76.1000% | 3,944 |
| Equity capital to assets | 12.3195% | 1,070 |
| Core capital (leverage) ratio | 13.6859% | 862 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $102,429,200 | 3,755 |
| Average earning assets | $93,620,600 | 3,751 |
| Average equity | $12,840,000 | 3,535 |
| Average total loans | $68,585,600 | 3,597 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3988% | 2,266 |
| Cost of funding earning assets | 2.1629% | 1,826 |
| Net interest margin | 3.2359% | 2,608 |
| Noninterest income to average assets | 0.2700% | 3,229 |
| Noninterest expense to average assets | 2.1499% | 3,213 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.9135% | 2,336 |
| Return on assets (ROA) | 0.9135% | 2,341 |
| Pretax return on assets | 1.0808% | 2,306 |
| Return on Equity (ROE) | 7.2600% | 2,967 |
| Retained earnings to average equity (ytd only) | 5.8855% | 2,124 |
| Net charge-offs to loans | 0.0020% | 2,706 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 827.0000% | 151 |
| Efficiency ratio | 66.5453% | 2,421 |
| Assets per employee ($millions) | 8.7571% | 1,156 |
| Cash dividends to net income (ytd only)* | 18.8841% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3568% | 1,496 |
| Loan loss allowance to noncurrent loans | 31,966.6667% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 3,805 |
| Noncurrent loans to loans | 0.0042% | 3,775 |
| Net loans and leases to total assets | 66.3500% | 2,284 |
| Net loans and leases to deposits | 92.2347% | 1,016 |
| Net loans and leases to core deposits | 107.4215% | 1,053 |
| Total domestic deposits to total assets | 71.9400% | 4,172 |
| Equity capital to assets | 12.7221% | 1,046 |
| Core capital (leverage) ratio | 14.0260% | 805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $102,018,750 | 3,771 |
| Average earning assets | $93,327,000 | 3,768 |
| Average equity | $12,844,750 | 3,538 |
| Average total loans | $68,174,750 | 3,611 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3261% | 2,309 |
| Cost of funding earning assets | 2.0586% | 1,981 |
| Net interest margin | 3.2675% | 2,486 |
| Noninterest income to average assets | 0.2800% | 3,143 |
| Noninterest expense to average assets | 2.1664% | 3,168 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.9386% | 2,188 |
| Return on assets (ROA) | 0.9386% | 2,195 |
| Pretax return on assets | 1.1089% | 2,188 |
| Return on Equity (ROE) | 7.4800% | 2,882 |
| Retained earnings to average equity (ytd only) | 7.4822% | 1,511 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 66.1427% | 2,532 |
| Assets per employee ($millions) | 7.7093% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4105% | 1,336 |
| Loan loss allowance to noncurrent loans | 48,000.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 3,816 |
| Noncurrent loans to loans | 0.0029% | 3,786 |
| Net loans and leases to total assets | 66.9600% | 2,245 |
| Net loans and leases to deposits | 84.1765% | 1,825 |
| Net loans and leases to core deposits | 98.9253% | 1,548 |
| Total domestic deposits to total assets | 79.5400% | 3,515 |
| Equity capital to assets | 12.8286% | 912 |
| Core capital (leverage) ratio | 14.2264% | 766 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $100,996,667 | 3,797 |
| Average earning assets | $92,488,000 | 3,793 |
| Average equity | $12,670,000 | 3,536 |
| Average total loans | $67,339,000 | 3,628 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2026% | 2,394 |
| Cost of funding earning assets | 2.0103% | 1,962 |
| Net interest margin | 3.1923% | 2,585 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 2.2331% | 2,977 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.7772% | 2,609 |
| Return on assets (ROA) | 0.7772% | 2,622 |
| Pretax return on assets | 0.8995% | 2,668 |
| Return on Equity (ROE) | 6.2700% | 3,145 |
| Retained earnings to average equity (ytd only) | 6.2657% | 2,029 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 71.2846% | 2,015 |
| Assets per employee ($millions) | 7.7206% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 1,237 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 65.3100% | 2,332 |
| Net loans and leases to deposits | 82.7963% | 1,816 |
| Net loans and leases to core deposits | 95.9135% | 1,654 |
| Total domestic deposits to total assets | 78.8800% | 3,693 |
| Equity capital to assets | 12.5767% | 963 |
| Core capital (leverage) ratio | 14.0421% | 776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $101,384,500 | 3,813 |
| Average earning assets | $92,722,500 | 3,812 |
| Average equity | $12,576,500 | 3,549 |
| Average total loans | $66,977,000 | 3,637 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 2,200 |
| Cost of funding earning assets | 1.6570% | 1,549 |
| Net interest margin | 3.2808% | 2,680 |
| Noninterest income to average assets | 0.2000% | 3,754 |
| Noninterest expense to average assets | 2.1153% | 3,372 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.8988% | 2,550 |
| Return on assets (ROA) | 0.9273% | 2,435 |
| Pretax return on assets | 1.1172% | 2,358 |
| Return on Equity (ROE) | 7.6000% | 3,127 |
| Retained earnings to average equity (ytd only) | 4.8413% | 2,654 |
| Net charge-offs to loans | -0.0015% | 3,649 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 66.1402% | 2,340 |
| Assets per employee ($millions) | 7.8770% | 1,503 |
| Cash dividends to net income (ytd only)* | 36.2745% | 2,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 1,300 |
| 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 | 64.9200% | 2,374 |
| Net loans and leases to deposits | 84.1487% | 1,769 |
| Net loans and leases to core deposits | 97.0454% | 1,591 |
| Total domestic deposits to total assets | 77.1500% | 3,834 |
| Equity capital to assets | 12.2362% | 1,052 |
| Core capital (leverage) ratio | 13.7336% | 858 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $98,994,000 | 3,844 |
| Average earning assets | $90,467,000 | 3,832 |
| Average equity | $12,083,600 | 3,518 |
| Average total loans | $65,040,400 | 3,628 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8024% | 2,258 |
| Cost of funding earning assets | 1.4597% | 1,711 |
| Net interest margin | 3.3427% | 2,589 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.1126% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.9516% | 2,511 |
| Return on assets (ROA) | 0.9904% | 2,378 |
| Pretax return on assets | 1.1860% | 2,333 |
| Return on Equity (ROE) | 8.1200% | 3,157 |
| Retained earnings to average equity (ytd only) | 6.6377% | 2,421 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.9541% | 2,397 |
| Assets per employee ($millions) | 7.4125% | 1,690 |
| Cash dividends to net income (ytd only)* | 18.2442% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3762% | 1,553 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 66.3600% | 2,212 |
| Net loans and leases to deposits | 94.0189% | 892 |
| Net loans and leases to core deposits | 107.1927% | 968 |
| Total domestic deposits to total assets | 70.5800% | 4,308 |
| Equity capital to assets | 11.2224% | 1,266 |
| Core capital (leverage) ratio | 13.7827% | 865 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $98,139,250 | 3,858 |
| Average earning assets | $89,786,750 | 3,852 |
| Average equity | $11,971,750 | 3,524 |
| Average total loans | $64,440,500 | 3,646 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6145% | 2,388 |
| Cost of funding earning assets | 1.1729% | 2,073 |
| Net interest margin | 3.4416% | 2,413 |
| Noninterest income to average assets | 0.1900% | 3,834 |
| Noninterest expense to average assets | 2.0839% | 3,391 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0446% | 2,271 |
| Return on assets (ROA) | 1.1033% | 2,108 |
| Pretax return on assets | 1.3276% | 1,998 |
| Return on Equity (ROE) | 8.7900% | 3,035 |
| Retained earnings to average equity (ytd only) | 8.7911% | 1,736 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 62.3756% | 2,666 |
| Assets per employee ($millions) | 7.3622% | 1,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5248% | 1,107 |
| 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 | 64.5800% | 2,323 |
| Net loans and leases to deposits | 84.9063% | 1,597 |
| Net loans and leases to core deposits | 92.2408% | 1,669 |
| Total domestic deposits to total assets | 76.0600% | 4,036 |
| Equity capital to assets | 12.7764% | 865 |
| Core capital (leverage) ratio | 14.5710% | 657 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $96,260,667 | 3,882 |
| Average earning assets | $88,157,000 | 3,881 |
| Average equity | $12,080,333 | 3,528 |
| Average total loans | $62,644,667 | 3,676 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4385% | 2,447 |
| Cost of funding earning assets | 1.0337% | 1,936 |
| Net interest margin | 3.4048% | 2,621 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.1629% | 3,218 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9438% | 2,707 |
| Return on assets (ROA) | 1.0607% | 2,318 |
| Pretax return on assets | 1.2721% | 2,253 |
| Return on Equity (ROE) | 8.5300% | 3,176 |
| Retained earnings to average equity (ytd only) | 8.5287% | 2,077 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.6604% | 2,247 |
| Assets per employee ($millions) | 7.1827% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6742% | 870 |
| 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 | 60.9500% | 2,559 |
| Net loans and leases to deposits | 76.6210% | 2,068 |
| Net loans and leases to core deposits | 81.0917% | 2,177 |
| Total domestic deposits to total assets | 79.5500% | 3,824 |
| Equity capital to assets | 13.0003% | 760 |
| Core capital (leverage) ratio | 14.0248% | 733 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $96,537,000 | 3,934 |
| Average earning assets | $88,228,000 | 3,937 |
| Average equity | $12,006,500 | 3,571 |
| Average total loans | $62,586,000 | 3,723 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7064% | 2,510 |
| Cost of funding earning assets | 0.7593% | 456 |
| Net interest margin | 2.9471% | 3,577 |
| Noninterest income to average assets | 0.1800% | 4,071 |
| Noninterest expense to average assets | 1.9906% | 3,602 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7374% | 3,517 |
| Return on assets (ROA) | 0.7374% | 3,457 |
| Pretax return on assets | 0.8960% | 3,366 |
| Return on Equity (ROE) | 5.6500% | 3,894 |
| Retained earnings to average equity (ytd only) | -5.5580% | 4,584 |
| Net charge-offs to loans | 0.0015% | 2,501 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 898.0000% | 199 |
| Efficiency ratio | 68.9596% | 1,832 |
| Assets per employee ($millions) | 7.6692% | 1,505 |
| Cash dividends to net income (ytd only)* | 198.3762% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2111% | 2,332 |
| Loan loss allowance to noncurrent loans | 848.9583% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.0963% | 2,870 |
| Noncurrent loans to loans | 0.1427% | 2,798 |
| Net loans and leases to total assets | 66.6800% | 1,960 |
| Net loans and leases to deposits | 84.6636% | 1,408 |
| Net loans and leases to core deposits | 91.0183% | 1,455 |
| Total domestic deposits to total assets | 78.7600% | 4,020 |
| Equity capital to assets | 11.9098% | 961 |
| Core capital (leverage) ratio | 13.5777% | 797 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $100,222,800 | 3,926 |
| Average earning assets | $92,056,000 | 3,918 |
| Average equity | $13,080,200 | 3,563 |
| Average total loans | $66,556,200 | 3,635 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5621% | 2,441 |
| Cost of funding earning assets | 0.6876% | 286 |
| Net interest margin | 2.8745% | 3,560 |
| Noninterest income to average assets | 0.1700% | 4,154 |
| Noninterest expense to average assets | 2.0474% | 3,360 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6391% | 3,726 |
| Return on assets (ROA) | 0.6391% | 3,679 |
| Pretax return on assets | 0.7719% | 3,648 |
| Return on Equity (ROE) | 4.7900% | 4,018 |
| Retained earnings to average equity (ytd only) | 3.5769% | 3,591 |
| Net charge-offs to loans | 0.0020% | 2,214 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 581.0000% | 271 |
| Efficiency ratio | 72.6202% | 1,432 |
| Assets per employee ($millions) | 7.7063% | 1,479 |
| Cash dividends to net income (ytd only)* | 25.3638% | 2,242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 2,633 |
| Loan loss allowance to noncurrent loans | 806.9307% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.1008% | 2,943 |
| Noncurrent loans to loans | 0.1464% | 2,882 |
| Net loans and leases to total assets | 68.0500% | 1,673 |
| Net loans and leases to deposits | 92.7615% | 719 |
| Net loans and leases to core deposits | 101.7416% | 754 |
| Total domestic deposits to total assets | 73.3600% | 4,468 |
| Equity capital to assets | 12.4593% | 780 |
| Core capital (leverage) ratio | 14.7609% | 570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $100,353,750 | 3,949 |
| Average earning assets | $92,490,500 | 3,933 |
| Average equity | $13,381,750 | 3,572 |
| Average total loans | $66,372,250 | 3,660 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3961% | 2,449 |
| Cost of funding earning assets | 0.6559% | 203 |
| Net interest margin | 2.7402% | 3,607 |
| Noninterest income to average assets | 0.1713% | 4,149 |
| Noninterest expense to average assets | 2.0297% | 3,353 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5597% | 3,736 |
| Return on assets (ROA) | 0.5597% | 3,687 |
| Pretax return on assets | 0.6712% | 3,653 |
| Return on Equity (ROE) | 4.1077% | 4,010 |
| Retained earnings to average equity (ytd only) | 4.1077% | 3,045 |
| Net charge-offs to loans | 0.0031% | 1,958 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 366 |
| Efficiency ratio | 75.1475% | 1,372 |
| Assets per employee ($millions) | 6.8974% | 2,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2626% | 2,368 |
| Loan loss allowance to noncurrent loans | 840.2062% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 3,001 |
| Noncurrent loans to loans | 0.1503% | 2,942 |
| Net loans and leases to total assets | 66.0039% | 1,691 |
| Net loans and leases to deposits | 85.9509% | 976 |
| Net loans and leases to core deposits | 94.6888% | 885 |
| Total domestic deposits to total assets | 76.7926% | 4,423 |
| Equity capital to assets | 13.6624% | 565 |
| Core capital (leverage) ratio | 14.2898% | 578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,411,000 | 3,988 |
| Average earning assets | $92,694,333 | 3,983 |
| Average equity | $13,681,667 | 3,617 |
| Average total loans | $65,499,333 | 3,704 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1701% | 2,777 |
| Cost of funding earning assets | 0.6433% | 205 |
| Net interest margin | 2.5267% | 3,841 |
| Noninterest income to average assets | 0.1954% | 3,990 |
| Noninterest expense to average assets | 2.0951% | 3,161 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.3674% | 4,026 |
| Return on assets (ROA) | 0.3674% | 3,990 |
| Pretax return on assets | 0.4339% | 3,977 |
| Return on Equity (ROE) | 2.7000% | 4,155 |
| Retained earnings to average equity (ytd only) | 2.7000% | 3,364 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8439% | 925 |
| Assets per employee ($millions) | 7.3162% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3298% | 2,213 |
| Loan loss allowance to noncurrent loans | 488.6228% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 2,662 |
| Noncurrent loans to loans | 0.2722% | 2,498 |
| Net loans and leases to total assets | 59.1104% | 2,177 |
| Net loans and leases to deposits | 81.6840% | 1,033 |
| Net loans and leases to core deposits | 88.8382% | 976 |
| Total domestic deposits to total assets | 72.3647% | 4,615 |
| Equity capital to assets | 13.2729% | 640 |
| Core capital (leverage) ratio | 13.7888% | 618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $102,334,500 | 3,983 |
| Average earning assets | $94,509,500 | 3,978 |
| Average equity | $13,926,000 | 3,666 |
| Average total loans | $65,973,500 | 3,699 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0425% | 1,260 |
| Cost of funding earning assets | 0.7432% | 266 |
| Net interest margin | 3.2993% | 2,319 |
| Noninterest income to average assets | 0.1883% | 4,219 |
| Noninterest expense to average assets | 2.0744% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9314% | 2,932 |
| Return on assets (ROA) | 0.9314% | 2,999 |
| Pretax return on assets | 1.1430% | 2,842 |
| Return on Equity (ROE) | 6.3745% | 3,680 |
| Retained earnings to average equity (ytd only) | 1.7184% | 4,064 |
| Net charge-offs to loans | -0.0015% | 3,322 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4745% | 2,485 |
| Assets per employee ($millions) | 7.3030% | 1,722 |
| Cash dividends to net income (ytd only)* | 73.0435% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 3,095 |
| Loan loss allowance to noncurrent loans | 485.7143% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1643% | 2,791 |
| Noncurrent loans to loans | 0.2380% | 2,781 |
| Net loans and leases to total assets | 68.2401% | 1,238 |
| Net loans and leases to deposits | 95.5531% | 330 |
| Net loans and leases to core deposits | 103.5778% | 418 |
| Total domestic deposits to total assets | 71.4159% | 4,655 |
| Equity capital to assets | 13.9444% | 675 |
| Core capital (leverage) ratio | 14.2870% | 574 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,777,800 | 4,001 |
| Average earning assets | $90,686,000 | 4,010 |
| Average equity | $14,432,400 | 3,696 |
| Average total loans | $67,587,000 | 3,697 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2146% | 1,087 |
| Cost of funding earning assets | 0.7622% | 294 |
| Net interest margin | 3.4523% | 2,004 |
| Noninterest income to average assets | 0.1484% | 4,451 |
| Noninterest expense to average assets | 2.1175% | 3,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9791% | 2,990 |
| Return on assets (ROA) | 0.9791% | 3,072 |
| Pretax return on assets | 1.2011% | 2,931 |
| Return on Equity (ROE) | 6.6222% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.4985% | 3,045 |
| Net charge-offs to loans | -0.0040% | 3,367 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8080% | 2,416 |
| Assets per employee ($millions) | 6.4315% | 2,309 |
| Cash dividends to net income (ytd only)* | 16.9680% | 2,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,932 |
| Loan loss allowance to noncurrent loans | 464.2045% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1824% | 2,892 |
| Noncurrent loans to loans | 0.2613% | 2,879 |
| Net loans and leases to total assets | 68.9641% | 1,197 |
| Net loans and leases to deposits | 101.4517% | 197 |
| Net loans and leases to core deposits | 112.1429% | 285 |
| Total domestic deposits to total assets | 67.9772% | 4,776 |
| Equity capital to assets | 15.2013% | 511 |
| Core capital (leverage) ratio | 14.9378% | 501 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $97,911,750 | 4,055 |
| Average earning assets | $89,907,750 | 4,069 |
| Average equity | $14,476,250 | 3,740 |
| Average total loans | $66,837,250 | 3,760 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4955% | 730 |
| Cost of funding earning assets | 0.7742% | 327 |
| Net interest margin | 3.7212% | 1,295 |
| Noninterest income to average assets | 0.1362% | 4,517 |
| Noninterest expense to average assets | 1.9656% | 3,799 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2969% | 1,878 |
| Return on assets (ROA) | 1.2969% | 1,950 |
| Pretax return on assets | 1.5997% | 1,734 |
| Return on Equity (ROE) | 8.8529% | 3,151 |
| Retained earnings to average equity (ytd only) | 7.1600% | 2,368 |
| Net charge-offs to loans | -0.0060% | 3,490 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1311% | 3,653 |
| Assets per employee ($millions) | 7.0189% | 1,794 |
| Cash dividends to net income (ytd only)* | 19.1223% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2068% | 2,897 |
| Loan loss allowance to noncurrent loans | 180.5310% | 2,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 1,809 |
| Noncurrent loans to loans | 0.6685% | 1,752 |
| Net loans and leases to total assets | 67.9832% | 1,446 |
| Net loans and leases to deposits | 100.0075% | 256 |
| Net loans and leases to core deposits | 111.0644% | 335 |
| Total domestic deposits to total assets | 67.9781% | 4,789 |
| Equity capital to assets | 14.8793% | 548 |
| Core capital (leverage) ratio | 14.4551% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,391,667 | 4,079 |
| Average earning assets | $90,669,333 | 4,076 |
| Average equity | $14,413,333 | 3,750 |
| Average total loans | $66,667,000 | 3,786 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7758% | 505 |
| Cost of funding earning assets | 0.7982% | 350 |
| Net interest margin | 3.9776% | 874 |
| Noninterest income to average assets | 0.1422% | 4,494 |
| Noninterest expense to average assets | 2.0395% | 3,590 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4342% | 1,483 |
| Return on assets (ROA) | 1.4342% | 1,556 |
| Pretax return on assets | 1.7673% | 1,363 |
| Return on Equity (ROE) | 9.8676% | 2,740 |
| Retained earnings to average equity (ytd only) | 9.8676% | 1,691 |
| Net charge-offs to loans | -0.0060% | 3,470 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5752% | 3,834 |
| Assets per employee ($millions) | 7.0341% | 1,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 2,665 |
| Loan loss allowance to noncurrent loans | 182.7354% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.4529% | 2,033 |
| Noncurrent loans to loans | 0.6838% | 1,875 |
| Net loans and leases to total assets | 65.4011% | 1,884 |
| Net loans and leases to deposits | 95.8265% | 411 |
| Net loans and leases to core deposits | 105.9101% | 517 |
| Total domestic deposits to total assets | 68.2494% | 4,799 |
| Equity capital to assets | 14.6654% | 551 |
| Core capital (leverage) ratio | 14.5573% | 553 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,455,500 | 4,091 |
| Average earning assets | $90,707,000 | 4,089 |
| Average equity | $14,309,500 | 3,766 |
| Average total loans | $66,191,000 | 3,809 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 2,051 |
| Cost of funding earning assets | 1.0722% | 454 |
| Net interest margin | 3.1586% | 3,470 |
| Noninterest income to average assets | 0.1493% | 4,549 |
| Noninterest expense to average assets | 2.0077% | 4,127 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.8561% | 2,879 |
| Return on assets (ROA) | 0.8561% | 3,013 |
| Pretax return on assets | 1.0451% | 2,898 |
| Return on Equity (ROE) | 5.8786% | 3,621 |
| Retained earnings to average equity (ytd only) | 2.4805% | 3,613 |
| Net charge-offs to loans | -0.0060% | 4,173 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7661% | 2,566 |
| Assets per employee ($millions) | 7.0310% | 1,566 |
| Cash dividends to net income (ytd only)* | 57.8049% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,870 |
| Loan loss allowance to noncurrent loans | 182.7354% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 0.4531% | 2,217 |
| Noncurrent loans to loans | 0.6641% | 2,025 |
| Net loans and leases to total assets | 67.4025% | 1,903 |
| Net loans and leases to deposits | 98.6455% | 430 |
| Net loans and leases to core deposits | 108.6445% | 553 |
| Total domestic deposits to total assets | 68.3280% | 4,808 |
| Equity capital to assets | 14.4025% | 699 |
| Core capital (leverage) ratio | 13.8647% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,782,000 | 4,046 |
| Average earning assets | $88,044,200 | 4,050 |
| Average equity | $13,948,800 | 3,764 |
| Average total loans | $66,279,800 | 3,804 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3378% | 1,997 |
| Cost of funding earning assets | 1.1237% | 490 |
| Net interest margin | 3.2141% | 3,450 |
| Noninterest income to average assets | 0.1430% | 4,591 |
| Noninterest expense to average assets | 2.0535% | 4,038 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.8607% | 2,858 |
| Return on assets (ROA) | 0.8607% | 2,995 |
| Pretax return on assets | 1.0485% | 2,912 |
| Return on Equity (ROE) | 5.8930% | 3,591 |
| Retained earnings to average equity (ytd only) | 4.7221% | 2,684 |
| Net charge-offs to loans | -0.0061% | 4,098 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1997% | 2,445 |
| Assets per employee ($millions) | 7.0233% | 1,485 |
| Cash dividends to net income (ytd only)* | 19.8697% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1728% | 2,824 |
| Loan loss allowance to noncurrent loans | 113.2128% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 1,600 |
| Noncurrent loans to loans | 1.0359% | 1,448 |
| Net loans and leases to total assets | 69.7628% | 1,990 |
| Net loans and leases to deposits | 108.2042% | 265 |
| Net loans and leases to core deposits | 122.8201% | 358 |
| Total domestic deposits to total assets | 64.4733% | 4,882 |
| Equity capital to assets | 14.5699% | 713 |
| Core capital (leverage) ratio | 14.3367% | 649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $95,119,000 | 4,054 |
| Average earning assets | $87,569,000 | 4,061 |
| Average equity | $13,891,750 | 3,772 |
| Average total loans | $66,059,250 | 3,828 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2992% | 2,473 |
| Cost of funding earning assets | 1.1912% | 515 |
| Net interest margin | 3.1081% | 3,887 |
| Noninterest income to average assets | 0.1467% | 4,572 |
| Noninterest expense to average assets | 2.0457% | 4,139 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.7974% | 3,053 |
| Return on assets (ROA) | 0.7974% | 3,168 |
| Pretax return on assets | 0.9697% | 3,114 |
| Return on Equity (ROE) | 5.4557% | 3,694 |
| Retained earnings to average equity (ytd only) | 3.6808% | 3,074 |
| Net charge-offs to loans | -0.0092% | 4,189 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8420% | 2,254 |
| Assets per employee ($millions) | 7.0123% | 1,432 |
| Cash dividends to net income (ytd only)* | 32.5333% | 2,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 2,505 |
| Loan loss allowance to noncurrent loans | 77.1564% | 3,576 |
| Noncurrent assets plus other real estate owned to assets | 1.0746% | 1,071 |
| Noncurrent loans to loans | 1.5583% | 962 |
| Net loans and leases to total assets | 68.1345% | 2,329 |
| Net loans and leases to deposits | 107.7031% | 277 |
| Net loans and leases to core deposits | 118.3478% | 471 |
| Total domestic deposits to total assets | 63.2614% | 4,928 |
| Equity capital to assets | 14.3371% | 769 |
| Core capital (leverage) ratio | 14.4989% | 653 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $94,050,000 | 4,068 |
| Average earning assets | $86,806,000 | 4,066 |
| Average equity | $13,747,000 | 3,797 |
| Average total loans | $64,942,667 | 3,853 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 2,420 |
| Cost of funding earning assets | 1.2999% | 564 |
| Net interest margin | 3.1604% | 3,957 |
| Noninterest income to average assets | 0.1739% | 4,499 |
| Noninterest expense to average assets | 2.1872% | 4,036 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7392% | 3,138 |
| Return on assets (ROA) | 0.7392% | 3,216 |
| Pretax return on assets | 0.9045% | 3,130 |
| Return on Equity (ROE) | 5.0063% | 3,629 |
| Retained earnings to average equity (ytd only) | 5.0063% | 2,276 |
| Net charge-offs to loans | -0.0063% | 3,923 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7454% | 2,254 |
| Assets per employee ($millions) | 6.0403% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2726% | 2,271 |
| Loan loss allowance to noncurrent loans | 119.0616% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.7527% | 1,795 |
| Noncurrent loans to loans | 1.0688% | 1,555 |
| Net loans and leases to total assets | 69.5271% | 2,321 |
| Net loans and leases to deposits | 102.2314% | 441 |
| Net loans and leases to core deposits | 110.6962% | 817 |
| Total domestic deposits to total assets | 68.0095% | 4,923 |
| Equity capital to assets | 15.0124% | 755 |
| Core capital (leverage) ratio | 14.6172% | 764 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $91,989,000 | 4,092 |
| Average earning assets | $84,926,500 | 4,093 |
| Average equity | $13,583,000 | 3,827 |
| Average total loans | $63,562,500 | 3,892 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6002% | 2,613 |
| Cost of funding earning assets | 1.2312% | 944 |
| Net interest margin | 3.3691% | 3,828 |
| Noninterest income to average assets | 0.1876% | 4,540 |
| Noninterest expense to average assets | 1.9739% | 4,579 |
| Loan and lease loss provision to assets | 0.0654% | 2,714 |
| Net operating income to assets | 1.0277% | 2,741 |
| Return on assets (ROA) | 1.0295% | 2,827 |
| Pretax return on assets | 1.2542% | 2,653 |
| Return on Equity (ROE) | 7.0486% | 3,534 |
| Retained earnings to average equity (ytd only) | 3.5093% | 3,255 |
| Net charge-offs to loans | 0.0230% | 2,949 |
| Credit loss provision to net charge-offs | 400.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 80.5333% | 787 |
| Efficiency ratio | 59.9735% | 3,699 |
| Assets per employee ($millions) | 6.2249% | 1,468 |
| Cash dividends to net income (ytd only)* | 50.2119% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,027 |
| Loan loss allowance to noncurrent loans | 134.4942% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 0.6458% | 1,972 |
| Noncurrent loans to loans | 0.9523% | 1,609 |
| Net loans and leases to total assets | 66.9433% | 2,841 |
| Net loans and leases to deposits | 92.5248% | 1,308 |
| Net loans and leases to core deposits | 103.5158% | 1,269 |
| Total domestic deposits to total assets | 72.3518% | 4,856 |
| Equity capital to assets | 14.5267% | 927 |
| Core capital (leverage) ratio | 14.5821% | 782 |
| Tier 1 risk-based capital ratio | 17.8996% | 1,785 |
| Total risk-based capital ratio | 18.9738% | 1,788 |
| Memoranda: | ||
| Average total assets | $91,695,400 | 4,115 |
| Average earning assets | $84,473,800 | 4,115 |
| Average equity | $13,392,800 | 3,843 |
| Average total loans | $65,210,800 | 3,880 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6649% | 2,515 |
| Cost of funding earning assets | 1.2232% | 974 |
| Net interest margin | 3.4417% | 3,754 |
| Noninterest income to average assets | 0.1782% | 4,650 |
| Noninterest expense to average assets | 1.9486% | 4,648 |
| Loan and lease loss provision to assets | 0.0657% | 2,573 |
| Net operating income to assets | 1.0903% | 2,608 |
| Return on assets (ROA) | 1.0926% | 2,692 |
| Pretax return on assets | 1.3439% | 2,519 |
| Return on Equity (ROE) | 7.4705% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.2521% | 2,243 |
| Net charge-offs to loans | 0.0325% | 2,420 |
| Credit loss provision to net charge-offs | 281.2500% | 994 |
| Earnings coverage of net charge-offs (x) | 60.1955% | 1,050 |
| Efficiency ratio | 58.0758% | 3,925 |
| Assets per employee ($millions) | 6.6771% | 1,171 |
| Cash dividends to net income (ytd only)* | 16.3099% | 3,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1737% | 2,647 |
| Loan loss allowance to noncurrent loans | 130.1146% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 2,054 |
| Noncurrent loans to loans | 0.9020% | 1,773 |
| Net loans and leases to total assets | 71.6110% | 2,238 |
| Net loans and leases to deposits | 104.0231% | 413 |
| Net loans and leases to core deposits | 118.2867% | 587 |
| Total domestic deposits to total assets | 68.8415% | 5,037 |
| Equity capital to assets | 14.7133% | 925 |
| Core capital (leverage) ratio | 14.7171% | 809 |
| Tier 1 risk-based capital ratio | 17.2279% | 2,017 |
| Total risk-based capital ratio | 18.2297% | 2,040 |
| Memoranda: | ||
| Average total assets | $91,276,000 | 4,173 |
| Average earning assets | $84,258,000 | 4,174 |
| Average equity | $13,350,000 | 3,878 |
| Average total loans | $65,684,000 | 3,913 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5657% | 2,782 |
| Cost of funding earning assets | 1.1977% | 1,007 |
| Net interest margin | 3.3680% | 3,994 |
| Noninterest income to average assets | 0.1833% | 4,648 |
| Noninterest expense to average assets | 2.0433% | 4,528 |
| Loan and lease loss provision to assets | 0.0663% | 2,493 |
| Net operating income to assets | 0.9631% | 3,046 |
| Return on assets (ROA) | 0.9631% | 3,124 |
| Pretax return on assets | 1.1796% | 2,975 |
| Return on Equity (ROE) | 6.5984% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.5984% | 2,009 |
| Net charge-offs to loans | -0.0062% | 4,183 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1222% | 3,417 |
| Assets per employee ($millions) | 6.2022% | 1,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 2,300 |
| Loan loss allowance to noncurrent loans | 132.1192% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6492% | 2,100 |
| Noncurrent loans to loans | 0.9390% | 1,734 |
| Net loans and leases to total assets | 68.2801% | 2,778 |
| Net loans and leases to deposits | 96.1043% | 1,022 |
| Net loans and leases to core deposits | 109.3132% | 1,014 |
| Total domestic deposits to total assets | 71.0479% | 5,014 |
| Equity capital to assets | 14.5465% | 934 |
| Core capital (leverage) ratio | 14.5949% | 801 |
| Tier 1 risk-based capital ratio | 17.6982% | 1,882 |
| Total risk-based capital ratio | 18.7459% | 1,901 |
| Memoranda: | ||
| Average total assets | $90,541,330 | 4,210 |
| Average earning assets | $83,492,670 | 4,211 |
| Average equity | $13,215,330 | 3,902 |
| Average total loans | $64,999,670 | 3,954 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4547% | 3,034 |
| Cost of funding earning assets | 1.1587% | 1,020 |
| Net interest margin | 3.2960% | 4,169 |
| Noninterest income to average assets | 0.2061% | 4,512 |
| Noninterest expense to average assets | 2.1412% | 4,390 |
| Loan and lease loss provision to assets | 0.0672% | 2,328 |
| Net operating income to assets | 0.8421% | 3,477 |
| Return on assets (ROA) | 0.8421% | 3,519 |
| Pretax return on assets | 1.0303% | 3,345 |
| Return on Equity (ROE) | 5.7596% | 4,095 |
| Retained earnings to average equity (ytd only) | 5.7596% | 2,566 |
| Net charge-offs to loans | -0.0061% | 4,073 |
| Credit loss provision to net charge-offs | -1,500.0000% | 3,999 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1134% | 2,928 |
| Assets per employee ($millions) | 5.3099% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 2,517 |
| Loan loss allowance to noncurrent loans | 116.7164% | 3,113 |
| Noncurrent assets plus other real estate owned to assets | 0.7422% | 1,886 |
| Noncurrent loans to loans | 1.0377% | 1,611 |
| Net loans and leases to total assets | 70.6574% | 2,383 |
| Net loans and leases to deposits | 100.1114% | 626 |
| Net loans and leases to core deposits | 112.0794% | 824 |
| Total domestic deposits to total assets | 70.5787% | 5,092 |
| Equity capital to assets | 14.6242% | 847 |
| Core capital (leverage) ratio | 14.9827% | 695 |
| Tier 1 risk-based capital ratio | 17.4307% | 1,963 |
| Total risk-based capital ratio | 18.4608% | 1,984 |
| Memoranda: | ||
| Average total assets | $89,295,500 | 4,275 |
| Average earning assets | $82,159,500 | 4,278 |
| Average equity | $13,056,500 | 3,939 |
| Average total loans | $65,339,000 | 3,980 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 2,529 |
| Cost of funding earning assets | 1.0173% | 709 |
| Net interest margin | 3.4587% | 3,839 |
| Noninterest income to average assets | 0.2147% | 4,625 |
| Noninterest expense to average assets | 2.0228% | 4,714 |
| Loan and lease loss provision to assets | 0.0689% | 2,758 |
| Net operating income to assets | 1.0677% | 2,724 |
| Return on assets (ROA) | 1.0677% | 2,710 |
| Pretax return on assets | 1.3156% | 2,445 |
| Return on Equity (ROE) | 7.3016% | 3,731 |
| Retained earnings to average equity (ytd only) | 3.9177% | 3,424 |
| Net charge-offs to loans | -0.0046% | 4,336 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,833 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3666% | 3,961 |
| Assets per employee ($millions) | 5.1955% | 2,272 |
| Cash dividends to net income (ytd only)* | 46.3441% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 2,778 |
| Loan loss allowance to noncurrent loans | 38,300.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 4,920 |
| Noncurrent loans to loans | 0.0030% | 4,811 |
| Net loans and leases to total assets | 73.9887% | 1,934 |
| Net loans and leases to deposits | 104.8402% | 433 |
| Net loans and leases to core deposits | 117.3358% | 641 |
| Total domestic deposits to total assets | 70.5728% | 5,138 |
| Equity capital to assets | 14.6191% | 804 |
| Core capital (leverage) ratio | 14.5748% | 779 |
| Tier 1 risk-based capital ratio | 16.9631% | 2,081 |
| Total risk-based capital ratio | 17.9592% | 2,114 |
| Memoranda: | ||
| Average total assets | $87,105,600 | 4,314 |
| Average earning assets | $80,407,000 | 4,311 |
| Average equity | $12,737,000 | 3,926 |
| Average total loans | $65,728,000 | 3,972 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 2,670 |
| Cost of funding earning assets | 0.9594% | 717 |
| Net interest margin | 3.4260% | 3,928 |
| Noninterest income to average assets | 0.2135% | 4,688 |
| Noninterest expense to average assets | 1.9646% | 4,807 |
| Loan and lease loss provision to assets | 0.0691% | 2,590 |
| Net operating income to assets | 1.0967% | 2,680 |
| Return on assets (ROA) | 1.0967% | 2,699 |
| Pretax return on assets | 1.3502% | 2,428 |
| Return on Equity (ROE) | 7.4999% | 3,750 |
| Retained earnings to average equity (ytd only) | 6.3654% | 2,447 |
| Net charge-offs to loans | -0.0041% | 4,189 |
| Credit loss provision to net charge-offs | -2,250.0000% | 4,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0572% | 4,114 |
| Assets per employee ($millions) | 5.8874% | 1,582 |
| Cash dividends to net income (ytd only)* | 15.1264% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 3,120 |
| Loan loss allowance to noncurrent loans | 4,166.6667% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 4,894 |
| Noncurrent loans to loans | 0.0267% | 4,772 |
| Net loans and leases to total assets | 75.4583% | 1,738 |
| Net loans and leases to deposits | 111.4926% | 246 |
| Net loans and leases to core deposits | 126.8981% | 396 |
| Total domestic deposits to total assets | 67.6801% | 5,292 |
| Equity capital to assets | 14.6324% | 797 |
| Core capital (leverage) ratio | 14.8205% | 748 |
| Tier 1 risk-based capital ratio | 17.0350% | 2,098 |
| Total risk-based capital ratio | 18.0083% | 2,132 |
| Memoranda: | ||
| Average total assets | $86,801,250 | 4,367 |
| Average earning assets | $80,324,250 | 4,361 |
| Average equity | $12,693,250 | 3,958 |
| Average total loans | $65,631,250 | 4,007 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2632% | 2,896 |
| Cost of funding earning assets | 0.9178% | 683 |
| Net interest margin | 3.3454% | 4,117 |
| Noninterest income to average assets | 0.2225% | 4,692 |
| Noninterest expense to average assets | 1.9861% | 4,823 |
| Loan and lease loss provision to assets | 0.0695% | 2,492 |
| Net operating income to assets | 1.0220% | 2,922 |
| Return on assets (ROA) | 1.0220% | 2,929 |
| Pretax return on assets | 1.2584% | 2,686 |
| Return on Equity (ROE) | 6.9906% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.9906% | 2,073 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9301% | 3,949 |
| Assets per employee ($millions) | 5.8585% | 1,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,315 |
| 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 | 75.5832% | 1,704 |
| Net loans and leases to deposits | 108.8351% | 317 |
| Net loans and leases to core deposits | 124.3047% | 451 |
| Total domestic deposits to total assets | 69.4474% | 5,291 |
| Equity capital to assets | 14.5770% | 787 |
| Core capital (leverage) ratio | 14.7537% | 728 |
| Tier 1 risk-based capital ratio | 16.8370% | 2,153 |
| Total risk-based capital ratio | 17.7892% | 2,190 |
| Memoranda: | ||
| Average total assets | $86,298,000 | 4,405 |
| Average earning assets | $79,752,330 | 4,408 |
| Average equity | $12,617,000 | 3,993 |
| Average total loans | $65,045,670 | 4,043 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 3,065 |
| Cost of funding earning assets | 0.9396% | 486 |
| Net interest margin | 3.2100% | 4,431 |
| Noninterest income to average assets | 0.1918% | 4,874 |
| Noninterest expense to average assets | 1.8712% | 5,068 |
| Loan and lease loss provision to assets | 0.0702% | 2,359 |
| Net operating income to assets | 0.9824% | 2,925 |
| Return on assets (ROA) | 0.9824% | 2,957 |
| Pretax return on assets | 1.2069% | 2,722 |
| Return on Equity (ROE) | 6.7090% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.7090% | 2,409 |
| Net charge-offs to loans | 0.0125% | 2,307 |
| Credit loss provision to net charge-offs | 750.0000% | 436 |
| Earnings coverage of net charge-offs (x) | 136.5000% | 474 |
| Efficiency ratio | 59.4354% | 4,139 |
| Assets per employee ($millions) | 5.7722% | 1,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 3,226 |
| Loan loss allowance to noncurrent loans | 209.3567% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 3,253 |
| Noncurrent loans to loans | 0.5379% | 2,911 |
| Net loans and leases to total assets | 72.6078% | 2,073 |
| Net loans and leases to deposits | 104.7260% | 443 |
| Net loans and leases to core deposits | 118.1714% | 642 |
| Total domestic deposits to total assets | 69.3312% | 5,383 |
| Equity capital to assets | 14.5317% | 770 |
| Core capital (leverage) ratio | 15.0875% | 644 |
| Tier 1 risk-based capital ratio | 17.1941% | 2,058 |
| Total risk-based capital ratio | 18.1611% | 2,090 |
| Memoranda: | ||
| Average total assets | $85,508,000 | 4,467 |
| Average earning assets | $78,754,500 | 4,477 |
| Average equity | $12,520,500 | 4,042 |
| Average total loans | $63,991,500 | 4,099 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 2,629 |
| Cost of funding earning assets | 0.8707% | 439 |
| Net interest margin | 3.3444% | 4,024 |
| Noninterest income to average assets | 0.2250% | 4,798 |
| Noninterest expense to average assets | 1.9467% | 5,054 |
| Loan and lease loss provision to assets | 0.0722% | 2,766 |
| Net operating income to assets | 1.0650% | 1,992 |
| Return on assets (ROA) | 1.0660% | 2,011 |
| Pretax return on assets | 1.2898% | 2,390 |
| Return on Equity (ROE) | 7.1742% | 3,194 |
| Retained earnings to average equity (ytd only) | 3.1337% | 3,419 |
| Net charge-offs to loans | 0.0016% | 4,064 |
| Credit loss provision to net charge-offs | 6,000.0000% | 62 |
| Earnings coverage of net charge-offs (x) | 1,131.0000% | 71 |
| Efficiency ratio | 58.8578% | 4,433 |
| Assets per employee ($millions) | 5.6289% | 1,814 |
| Cash dividends to net income (ytd only)* | 56.3205% | 1,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0916% | 3,398 |
| Loan loss allowance to noncurrent loans | 366.1458% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 3,999 |
| Noncurrent loans to loans | 0.2981% | 3,710 |
| Net loans and leases to total assets | 75.4421% | 1,689 |
| Net loans and leases to deposits | 110.1641% | 265 |
| Net loans and leases to core deposits | 122.3174% | 514 |
| Total domestic deposits to total assets | 68.4815% | 5,455 |
| Equity capital to assets | 14.7561% | 729 |
| Core capital (leverage) ratio | 14.7924% | 664 |
| Tier 1 risk-based capital ratio | 16.7009% | 2,200 |
| Total risk-based capital ratio | 17.6386% | 2,238 |
| Memoranda: | ||
| Average total assets | $83,113,200 | 4,529 |
| Average earning assets | $76,606,600 | 4,529 |
| Average equity | $12,349,800 | 4,078 |
| Average total loans | $61,967,600 | 4,153 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1405% | 2,833 |
| Cost of funding earning assets | 0.8550% | 445 |
| Net interest margin | 3.2855% | 4,212 |
| Noninterest income to average assets | 0.2078% | 4,965 |
| Noninterest expense to average assets | 1.9037% | 5,128 |
| Loan and lease loss provision to assets | 0.0725% | 2,626 |
| Net operating income to assets | 0.9120% | 2,966 |
| Return on assets (ROA) | 0.9132% | 3,017 |
| Pretax return on assets | 1.2659% | 2,642 |
| Return on Equity (ROE) | 6.1350% | 4,062 |
| Retained earnings to average equity (ytd only) | 4.5228% | 3,209 |
| Net charge-offs to loans | 0.0022% | 3,688 |
| Credit loss provision to net charge-offs | 4,500.0000% | 96 |
| Earnings coverage of net charge-offs (x) | 832.0602% | 122 |
| Efficiency ratio | 58.7475% | 4,396 |
| Assets per employee ($millions) | 6.0891% | 1,430 |
| Cash dividends to net income (ytd only)* | 26.2785% | 2,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 3,861 |
| Loan loss allowance to noncurrent loans | 371.8919% | 1,352 |
| Noncurrent assets plus other real estate owned to assets | 0.2170% | 4,197 |
| Noncurrent loans to loans | 0.2789% | 3,951 |
| Net loans and leases to total assets | 76.9954% | 1,422 |
| Net loans and leases to deposits | 120.4216% | 97 |
| Net loans and leases to core deposits | 136.3716% | 253 |
| Total domestic deposits to total assets | 63.9382% | 5,619 |
| Equity capital to assets | 14.7405% | 801 |
| Core capital (leverage) ratio | 14.9828% | 667 |
| Tier 1 risk-based capital ratio | 16.3826% | 2,358 |
| Total risk-based capital ratio | 17.2805% | 2,429 |
| Memoranda: | ||
| Average total assets | $82,783,250 | 4,581 |
| Average earning assets | $76,413,500 | 4,578 |
| Average equity | $12,322,500 | 4,122 |
| Average total loans | $61,359,250 | 4,208 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0233% | 3,123 |
| Cost of funding earning assets | 0.8195% | 476 |
| Net interest margin | 3.2039% | 4,407 |
| Noninterest income to average assets | 0.2147% | 4,967 |
| Noninterest expense to average assets | 1.9497% | 5,085 |
| Loan and lease loss provision to assets | 0.0732% | 2,504 |
| Net operating income to assets | 0.8376% | 3,209 |
| Return on assets (ROA) | 0.8394% | 3,250 |
| Pretax return on assets | 1.1518% | 2,968 |
| Return on Equity (ROE) | 5.6203% | 4,214 |
| Retained earnings to average equity (ytd only) | 3.1859% | 3,818 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4615% | 4,091 |
| Assets per employee ($millions) | 5.8476% | 1,579 |
| Cash dividends to net income (ytd only)* | 43.3140% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,769 |
| 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 | 76.6264% | 1,443 |
| Net loans and leases to deposits | 115.1619% | 178 |
| Net loans and leases to core deposits | 129.0788% | 327 |
| Total domestic deposits to total assets | 66.5380% | 5,629 |
| Equity capital to assets | 15.0942% | 691 |
| Core capital (leverage) ratio | 15.1043% | 605 |
| Tier 1 risk-based capital ratio | 16.6935% | 2,243 |
| Total risk-based capital ratio | 17.6061% | 2,318 |
| Memoranda: | ||
| Average total assets | $81,961,670 | 4,631 |
| Average earning assets | $75,658,670 | 4,619 |
| Average equity | $12,241,330 | 4,150 |
| Average total loans | $59,704,000 | 4,273 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8934% | 3,425 |
| Cost of funding earning assets | 0.7893% | 524 |
| Net interest margin | 3.1041% | 4,639 |
| Noninterest income to average assets | 0.2390% | 4,827 |
| Noninterest expense to average assets | 1.9461% | 5,156 |
| Loan and lease loss provision to assets | 0.0732% | 2,339 |
| Net operating income to assets | 0.7950% | 3,244 |
| Return on assets (ROA) | 0.7950% | 3,302 |
| Pretax return on assets | 1.0779% | 3,069 |
| Return on Equity (ROE) | 5.3515% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.3515% | 2,703 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8346% | 4,015 |
| Assets per employee ($millions) | 5.8079% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 3,412 |
| 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 | 69.6458% | 2,447 |
| Net loans and leases to deposits | 101.6606% | 512 |
| Net loans and leases to core deposits | 112.3680% | 757 |
| Total domestic deposits to total assets | 68.5082% | 5,671 |
| Equity capital to assets | 15.0978% | 635 |
| Core capital (leverage) ratio | 15.1922% | 570 |
| Tier 1 risk-based capital ratio | 18.0591% | 1,857 |
| Total risk-based capital ratio | 19.0269% | 1,898 |
| Memoranda: | ||
| Average total assets | $82,009,500 | 4,674 |
| Average earning assets | $75,513,000 | 4,666 |
| Average equity | $12,183,500 | 4,188 |
| Average total loans | $57,853,500 | 4,352 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0200% | 3,124 |
| Cost of funding earning assets | 0.8083% | 479 |
| Net interest margin | 3.2117% | 4,413 |
| Noninterest income to average assets | 0.2222% | 5,081 |
| Noninterest expense to average assets | 1.9448% | 5,296 |
| Loan and lease loss provision to assets | 0.0737% | 2,882 |
| Net operating income to assets | 0.8607% | 3,021 |
| Return on assets (ROA) | 0.8607% | 3,132 |
| Pretax return on assets | 1.1652% | 2,829 |
| Return on Equity (ROE) | 5.7453% | 4,098 |
| Retained earnings to average equity (ytd only) | 1.6474% | 4,595 |
| Net charge-offs to loans | 0.0101% | 3,929 |
| Credit loss provision to net charge-offs | 1,000.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 168.1667% | 386 |
| Efficiency ratio | 61.0875% | 4,403 |
| Assets per employee ($millions) | 5.9078% | 1,542 |
| Cash dividends to net income (ytd only)* | 71.3267% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1024% | 3,698 |
| Loan loss allowance to noncurrent loans | 2,800.0000% | 255 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 5,265 |
| Noncurrent loans to loans | 0.0394% | 5,099 |
| Net loans and leases to total assets | 69.8533% | 2,501 |
| Net loans and leases to deposits | 100.8959% | 611 |
| Net loans and leases to core deposits | 110.7310% | 849 |
| Total domestic deposits to total assets | 69.2331% | 5,690 |
| Equity capital to assets | 14.6187% | 706 |
| Core capital (leverage) ratio | 15.0469% | 595 |
| Tier 1 risk-based capital ratio | 17.4491% | 2,022 |
| Total risk-based capital ratio | 18.3752% | 2,074 |
| Memoranda: | ||
| Average total assets | $81,446,400 | 4,709 |
| Average earning assets | $75,100,000 | 4,704 |
| Average equity | $12,201,200 | 4,223 |
| Average total loans | $59,611,600 | 4,310 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0317% | 3,101 |
| Cost of funding earning assets | 0.8049% | 493 |
| Net interest margin | 3.2268% | 4,408 |
| Noninterest income to average assets | 0.2153% | 5,174 |
| Noninterest expense to average assets | 1.8883% | 5,397 |
| Loan and lease loss provision to assets | 0.0740% | 2,742 |
| Net operating income to assets | 0.9055% | 2,873 |
| Return on assets (ROA) | 0.9055% | 3,012 |
| Pretax return on assets | 1.2309% | 2,700 |
| Return on Equity (ROE) | 6.0076% | 4,058 |
| Retained earnings to average equity (ytd only) | 4.3721% | 3,223 |
| Net charge-offs to loans | -0.0022% | 4,506 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,397 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1354% | 4,673 |
| Assets per employee ($millions) | 5.7855% | 1,588 |
| Cash dividends to net income (ytd only)* | 27.2238% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 4,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 75.4485% | 1,626 |
| Net loans and leases to deposits | 121.5244% | 98 |
| Net loans and leases to core deposits | 131.1339% | 282 |
| Total domestic deposits to total assets | 62.0850% | 5,871 |
| Equity capital to assets | 15.3611% | 656 |
| Core capital (leverage) ratio | 15.3932% | 571 |
| Tier 1 risk-based capital ratio | 17.1952% | 2,169 |
| Total risk-based capital ratio | 18.0818% | 2,237 |
| Memoranda: | ||
| Average total assets | $81,130,750 | 4,752 |
| Average earning assets | $74,872,000 | 4,745 |
| Average equity | $12,228,750 | 4,253 |
| Average total loans | $59,909,750 | 4,328 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 3,284 |
| Cost of funding earning assets | 0.8022% | 485 |
| Net interest margin | 3.1849% | 4,592 |
| Noninterest income to average assets | 0.2242% | 5,145 |
| Noninterest expense to average assets | 1.9513% | 5,370 |
| Loan and lease loss provision to assets | 0.0739% | 2,662 |
| Net operating income to assets | 0.8500% | 3,095 |
| Return on assets (ROA) | 0.8500% | 3,217 |
| Pretax return on assets | 1.1432% | 3,019 |
| Return on Equity (ROE) | 5.6754% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.2079% | 3,856 |
| Net charge-offs to loans | -0.0034% | 4,454 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,255 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5863% | 4,409 |
| Assets per employee ($millions) | 5.6674% | 1,648 |
| Cash dividends to net income (ytd only)* | 43.4783% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0317% | 4,338 |
| Loan loss allowance to noncurrent loans | 817.1053% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0958% | 5,131 |
| Noncurrent loans to loans | 0.1263% | 4,932 |
| Net loans and leases to total assets | 75.0816% | 1,635 |
| Net loans and leases to deposits | 110.7101% | 236 |
| Net loans and leases to core deposits | 119.7379% | 518 |
| Total domestic deposits to total assets | 67.8182% | 5,844 |
| Equity capital to assets | 15.4418% | 639 |
| Core capital (leverage) ratio | 14.9411% | 623 |
| Tier 1 risk-based capital ratio | 16.9800% | 2,230 |
| Total risk-based capital ratio | 17.8494% | 2,341 |
| Memoranda: | ||
| Average total assets | $81,175,330 | 4,790 |
| Average earning assets | $75,042,330 | 4,783 |
| Average equity | $12,157,670 | 4,293 |
| Average total loans | $59,297,330 | 4,375 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 3,569 |
| Cost of funding earning assets | 0.7962% | 498 |
| Net interest margin | 3.1108% | 4,832 |
| Noninterest income to average assets | 0.2290% | 5,103 |
| Noninterest expense to average assets | 1.7980% | 5,654 |
| Loan and lease loss provision to assets | 0.0731% | 2,497 |
| Net operating income to assets | 0.9112% | 2,696 |
| Return on assets (ROA) | 0.9112% | 2,817 |
| Pretax return on assets | 1.2328% | 2,570 |
| Return on Equity (ROE) | 6.1765% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.1765% | 2,295 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9278% | 5,009 |
| Assets per employee ($millions) | 5.8351% | 1,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 4,323 |
| Loan loss allowance to noncurrent loans | 131.5217% | 3,039 |
| Noncurrent assets plus other real estate owned to assets | 0.5631% | 3,373 |
| Noncurrent loans to loans | 0.8001% | 2,835 |
| Net loans and leases to total assets | 69.6335% | 2,403 |
| Net loans and leases to deposits | 101.2765% | 547 |
| Net loans and leases to core deposits | 109.7149% | 866 |
| Total domestic deposits to total assets | 68.7558% | 5,902 |
| Equity capital to assets | 14.9635% | 701 |
| Core capital (leverage) ratio | 14.8426% | 633 |
| Tier 1 risk-based capital ratio | 17.1791% | 2,218 |
| Total risk-based capital ratio | 18.0366% | 2,311 |
| Memoranda: | ||
| Average total assets | $82,091,500 | 4,814 |
| Average earning assets | $75,864,500 | 4,798 |
| Average equity | $12,110,500 | 4,316 |
| Average total loans | $58,849,500 | 4,417 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 3,719 |
| Cost of funding earning assets | 0.7226% | 723 |
| Net interest margin | 3.1738% | 4,702 |
| Noninterest income to average assets | 0.1988% | 5,399 |
| Noninterest expense to average assets | 1.9917% | 5,469 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8695% | 3,022 |
| Return on assets (ROA) | 0.8863% | 3,030 |
| Pretax return on assets | 1.2054% | 2,641 |
| Return on Equity (ROE) | 5.8505% | 4,102 |
| Retained earnings to average equity (ytd only) | 2.3820% | 4,363 |
| Net charge-offs to loans | -0.0018% | 4,866 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7443% | 4,486 |
| Assets per employee ($millions) | 5.8922% | 1,474 |
| Cash dividends to net income (ytd only)* | 59.2857% | 1,780 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 4,722 |
| Loan loss allowance to noncurrent loans | 1,280.4348% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 5,443 |
| Noncurrent loans to loans | 0.0764% | 5,195 |
| Net loans and leases to total assets | 72.2746% | 2,002 |
| Net loans and leases to deposits | 104.1325% | 430 |
| Net loans and leases to core deposits | 112.1140% | 764 |
| Total domestic deposits to total assets | 69.4064% | 5,920 |
| Equity capital to assets | 14.5434% | 759 |
| Core capital (leverage) ratio | 14.4625% | 719 |
| Tier 1 risk-based capital ratio | 16.5176% | 2,470 |
| Total risk-based capital ratio | 17.3329% | 2,597 |
| Memoranda: | ||
| Average total assets | $78,978,600 | 4,895 |
| Average earning assets | $74,043,200 | 4,855 |
| Average equity | $11,964,800 | 4,316 |
| Average total loans | $55,707,800 | 4,511 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8141% | 4,044 |
| Cost of funding earning assets | 0.6997% | 837 |
| Net interest margin | 3.1144% | 4,924 |
| Noninterest income to average assets | 0.1639% | 5,662 |
| Noninterest expense to average assets | 1.9479% | 5,572 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8397% | 3,220 |
| Return on assets (ROA) | 0.8621% | 3,207 |
| Pretax return on assets | 1.1796% | 2,894 |
| Return on Equity (ROE) | 5.6313% | 4,346 |
| Retained earnings to average equity (ytd only) | 4.7057% | 3,121 |
| Net charge-offs to loans | -0.0049% | 4,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8997% | 4,420 |
| Assets per employee ($millions) | 5.8166% | 1,496 |
| Cash dividends to net income (ytd only)* | 16.4350% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,836 |
| Loan loss allowance to noncurrent loans | 7,375.0000% | 118 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 5,762 |
| Noncurrent loans to loans | 0.0133% | 5,586 |
| Net loans and leases to total assets | 73.1718% | 1,875 |
| Net loans and leases to deposits | 115.9915% | 150 |
| Net loans and leases to core deposits | 127.4076% | 316 |
| Total domestic deposits to total assets | 63.0838% | 6,147 |
| Equity capital to assets | 14.9411% | 748 |
| Core capital (leverage) ratio | 15.1076% | 617 |
| Tier 1 risk-based capital ratio | 17.0963% | 2,340 |
| Total risk-based capital ratio | 17.9319% | 2,444 |
| Memoranda: | ||
| Average total assets | $78,100,500 | 4,964 |
| Average earning assets | $73,549,500 | 4,921 |
| Average equity | $11,956,750 | 4,363 |
| Average total loans | $54,582,500 | 4,586 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7226% | 4,345 |
| Cost of funding earning assets | 0.6881% | 894 |
| Net interest margin | 3.0344% | 5,138 |
| Noninterest income to average assets | 0.1766% | 5,641 |
| Noninterest expense to average assets | 2.0185% | 5,492 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7499% | 3,645 |
| Return on assets (ROA) | 0.7845% | 3,571 |
| Pretax return on assets | 1.0573% | 3,353 |
| Return on Equity (ROE) | 5.0813% | 4,585 |
| Retained earnings to average equity (ytd only) | 3.6848% | 3,678 |
| Net charge-offs to loans | -0.0076% | 4,855 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6381% | 3,892 |
| Assets per employee ($millions) | 5.5193% | 1,716 |
| Cash dividends to net income (ytd only)* | 27.4834% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 4,365 |
| Loan loss allowance to noncurrent loans | 634.4086% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1204% | 5,387 |
| Noncurrent loans to loans | 0.1721% | 5,080 |
| Net loans and leases to total assets | 69.1679% | 2,460 |
| Net loans and leases to deposits | 102.2910% | 537 |
| Net loans and leases to core deposits | 110.2093% | 826 |
| Total domestic deposits to total assets | 67.6187% | 6,124 |
| Equity capital to assets | 15.4277% | 620 |
| Core capital (leverage) ratio | 15.7720% | 500 |
| Tier 1 risk-based capital ratio | 18.1895% | 2,010 |
| Total risk-based capital ratio | 19.0938% | 2,072 |
| Memoranda: | ||
| Average total assets | $76,989,670 | 5,036 |
| Average earning assets | $72,369,670 | 4,992 |
| Average equity | $11,886,670 | 4,400 |
| Average total loans | $52,718,000 | 4,680 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6475% | 4,539 |
| Cost of funding earning assets | 0.6818% | 938 |
| Net interest margin | 2.9657% | 5,304 |
| Noninterest income to average assets | 0.1822% | 5,624 |
| Noninterest expense to average assets | 2.0195% | 5,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7010% | 3,792 |
| Return on assets (ROA) | 0.7703% | 3,563 |
| Pretax return on assets | 1.0410% | 3,337 |
| Return on Equity (ROE) | 4.9876% | 4,533 |
| Retained earnings to average equity (ytd only) | 4.9876% | 3,060 |
| Net charge-offs to loans | -0.0077% | 4,622 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0702% | 3,811 |
| Assets per employee ($millions) | 5.4301% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 3,833 |
| Loan loss allowance to noncurrent loans | 6,544.4444% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 5,909 |
| Noncurrent loans to loans | 0.0187% | 5,732 |
| Net loans and leases to total assets | 62.6792% | 3,270 |
| Net loans and leases to deposits | 89.0122% | 1,504 |
| Net loans and leases to core deposits | 94.4107% | 1,732 |
| Total domestic deposits to total assets | 70.4165% | 6,107 |
| Equity capital to assets | 15.7165% | 589 |
| Core capital (leverage) ratio | 15.7276% | 499 |
| Tier 1 risk-based capital ratio | 19.0578% | 1,850 |
| Total risk-based capital ratio | 20.0094% | 1,890 |
| Memoranda: | ||
| Average total assets | $76,849,500 | 5,091 |
| Average earning assets | $72,158,500 | 5,049 |
| Average equity | $11,869,500 | 4,433 |
| Average total loans | $52,059,000 | 4,736 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 4,216 |
| Cost of funding earning assets | 0.6979% | 1,123 |
| Net interest margin | 3.1785% | 4,991 |
| Noninterest income to average assets | 0.1928% | 5,702 |
| Noninterest expense to average assets | 2.0919% | 5,590 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8202% | 3,280 |
| Return on assets (ROA) | 0.8368% | 3,283 |
| Pretax return on assets | 1.0993% | 3,087 |
| Return on Equity (ROE) | 5.2205% | 4,548 |
| Retained earnings to average equity (ytd only) | 1.5269% | 5,066 |
| Net charge-offs to loans | 0.0100% | 4,705 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 157.6000% | 347 |
| Efficiency ratio | 66.0052% | 4,248 |
| Assets per employee ($millions) | 5.5484% | 1,731 |
| Cash dividends to net income (ytd only)* | 70.7516% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0523% | 4,800 |
| Loan loss allowance to noncurrent loans | 8,400.0000% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 6,034 |
| Noncurrent loans to loans | 0.0125% | 5,860 |
| Net loans and leases to total assets | 71.1807% | 2,049 |
| Net loans and leases to deposits | 98.8133% | 697 |
| Net loans and leases to core deposits | 104.2558% | 1,111 |
| Total domestic deposits to total assets | 72.0355% | 6,082 |
| Equity capital to assets | 15.1795% | 675 |
| Core capital (leverage) ratio | 15.7759% | 492 |
| Tier 1 risk-based capital ratio | 18.2674% | 2,062 |
| Total risk-based capital ratio | 19.1895% | 2,124 |
| Memoranda: | ||
| Average total assets | $73,137,800 | 5,203 |
| Average earning assets | $68,492,200 | 5,160 |
| Average equity | $11,723,000 | 4,413 |
| Average total loans | $49,808,400 | 4,822 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8795% | 4,242 |
| Cost of funding earning assets | 0.7027% | 1,138 |
| Net interest margin | 3.1768% | 5,040 |
| Noninterest income to average assets | 0.1778% | 5,851 |
| Noninterest expense to average assets | 2.1054% | 5,556 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7904% | 3,467 |
| Return on assets (ROA) | 0.8129% | 3,463 |
| Pretax return on assets | 1.0740% | 3,283 |
| Return on Equity (ROE) | 5.0002% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.0548% | 3,763 |
| Net charge-offs to loans | 0.0083% | 4,425 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 187.9950% | 341 |
| Efficiency ratio | 66.8430% | 4,075 |
| Assets per employee ($millions) | 5.1742% | 2,043 |
| Cash dividends to net income (ytd only)* | 18.9059% | 3,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 4,336 |
| Loan loss allowance to noncurrent loans | 9,833.3333% | 72 |
| Noncurrent assets plus other real estate owned to assets | 0.0083% | 6,161 |
| Noncurrent loans to loans | 0.0120% | 5,986 |
| Net loans and leases to total assets | 68.1539% | 2,508 |
| Net loans and leases to deposits | 100.3639% | 592 |
| Net loans and leases to core deposits | 107.4709% | 872 |
| Total domestic deposits to total assets | 67.9068% | 6,355 |
| Equity capital to assets | 16.5077% | 491 |
| Core capital (leverage) ratio | 16.5811% | 411 |
| Tier 1 risk-based capital ratio | 20.3203% | 1,593 |
| Total risk-based capital ratio | 21.3341% | 1,621 |
| Memoranda: | ||
| Average total assets | $72,003,000 | 5,285 |
| Average earning assets | $67,361,000 | 5,244 |
| Average equity | $11,706,000 | 4,447 |
| Average total loans | $48,290,750 | 4,924 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8537% | 4,317 |
| Cost of funding earning assets | 0.7039% | 1,176 |
| Net interest margin | 3.1498% | 5,090 |
| Noninterest income to average assets | 0.1920% | 5,810 |
| Noninterest expense to average assets | 2.0652% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8095% | 3,276 |
| Return on assets (ROA) | 0.8433% | 3,210 |
| Pretax return on assets | 1.1105% | 3,060 |
| Return on Equity (ROE) | 5.2142% | 4,576 |
| Retained earnings to average equity (ytd only) | 3.7859% | 3,773 |
| Net charge-offs to loans | 0.0042% | 4,239 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 383.0000% | 181 |
| Efficiency ratio | 65.9556% | 4,373 |
| Assets per employee ($millions) | 5.0978% | 2,093 |
| Cash dividends to net income (ytd only)* | 27.3927% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 4,152 |
| Loan loss allowance to noncurrent loans | 2,466.6667% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0336% | 6,103 |
| Noncurrent loans to loans | 0.0507% | 5,895 |
| Net loans and leases to total assets | 65.4724% | 2,838 |
| Net loans and leases to deposits | 90.2170% | 1,350 |
| Net loans and leases to core deposits | 96.7994% | 1,538 |
| Total domestic deposits to total assets | 72.5721% | 6,210 |
| Equity capital to assets | 16.5422% | 474 |
| Core capital (leverage) ratio | 16.2151% | 446 |
| Tier 1 risk-based capital ratio | 21.0026% | 1,448 |
| Total risk-based capital ratio | 22.0663% | 1,465 |
| Memoranda: | ||
| Average total assets | $71,857,670 | 5,338 |
| Average earning assets | $67,052,330 | 5,297 |
| Average equity | $11,622,000 | 4,468 |
| Average total loans | $47,734,330 | 4,977 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8073% | 4,460 |
| Cost of funding earning assets | 0.7020% | 1,234 |
| Net interest margin | 3.1054% | 5,231 |
| Noninterest income to average assets | 0.2053% | 5,713 |
| Noninterest expense to average assets | 2.0582% | 5,772 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7933% | 3,186 |
| Return on assets (ROA) | 0.7933% | 3,261 |
| Pretax return on assets | 1.0430% | 3,155 |
| Return on Equity (ROE) | 4.9610% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.9610% | 3,134 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3685% | 4,470 |
| Assets per employee ($millions) | 5.1006% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2588% | 4,329 |
| Loan loss allowance to noncurrent loans | 59.5980% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 1.3934% | 2,550 |
| Noncurrent loans to loans | 2.1121% | 1,738 |
| Net loans and leases to total assets | 65.1416% | 2,710 |
| Net loans and leases to deposits | 89.6540% | 1,193 |
| Net loans and leases to core deposits | 93.4771% | 1,599 |
| Total domestic deposits to total assets | 72.6589% | 6,326 |
| Equity capital to assets | 16.3173% | 480 |
| Core capital (leverage) ratio | 16.2195% | 454 |
| Tier 1 risk-based capital ratio | 20.8717% | 1,495 |
| Total risk-based capital ratio | 21.9375% | 1,510 |
| Memoranda: | ||
| Average total assets | $72,102,000 | 5,386 |
| Average earning assets | $67,238,500 | 5,344 |
| Average equity | $11,530,000 | 4,502 |
| Average total loans | $47,942,000 | 5,010 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9244% | 4,371 |
| Cost of funding earning assets | 0.7734% | 1,355 |
| Net interest margin | 3.1510% | 5,160 |
| Noninterest income to average assets | 0.3163% | 5,073 |
| Noninterest expense to average assets | 2.1238% | 5,782 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8571% | 2,990 |
| Return on assets (ROA) | 0.8571% | 3,073 |
| Pretax return on assets | 1.1269% | 2,861 |
| Return on Equity (ROE) | 5.2545% | 4,513 |
| Retained earnings to average equity (ytd only) | 1.7486% | 4,987 |
| Net charge-offs to loans | 0.0151% | 5,144 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 114.0000% | 417 |
| Efficiency ratio | 65.3345% | 4,681 |
| Assets per employee ($millions) | 5.1996% | 1,964 |
| Cash dividends to net income (ytd only)* | 66.7216% | 1,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 4,572 |
| Loan loss allowance to noncurrent loans | 151.2755% | 2,653 |
| Noncurrent assets plus other real estate owned to assets | 0.5385% | 4,617 |
| Noncurrent loans to loans | 0.8037% | 3,966 |
| Net loans and leases to total assets | 66.1872% | 2,666 |
| Net loans and leases to deposits | 91.7035% | 1,091 |
| Net loans and leases to core deposits | 95.4949% | 1,491 |
| Total domestic deposits to total assets | 72.1753% | 6,412 |
| Equity capital to assets | 15.6714% | 577 |
| Core capital (leverage) ratio | 16.2345% | 447 |
| Tier 1 risk-based capital ratio | 19.9739% | 1,659 |
| Total risk-based capital ratio | 21.0065% | 1,683 |
| Memoranda: | ||
| Average total assets | $70,816,400 | 5,446 |
| Average earning assets | $65,946,400 | 5,407 |
| Average equity | $11,552,000 | 4,535 |
| Average total loans | $46,416,400 | 5,095 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9085% | 4,467 |
| Cost of funding earning assets | 0.7768% | 1,442 |
| Net interest margin | 3.1317% | 5,226 |
| Noninterest income to average assets | 0.3299% | 5,050 |
| Noninterest expense to average assets | 2.1728% | 5,672 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8210% | 3,248 |
| Return on assets (ROA) | 0.8210% | 3,367 |
| Pretax return on assets | 1.0769% | 3,201 |
| Return on Equity (ROE) | 4.9821% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.3492% | 3,584 |
| Net charge-offs to loans | -0.0029% | 5,717 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8611% | 4,327 |
| Assets per employee ($millions) | 5.1086% | 2,040 |
| Cash dividends to net income (ytd only)* | 12.7018% | 3,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 4,643 |
| Loan loss allowance to noncurrent loans | 175.2187% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.4796% | 4,991 |
| Noncurrent loans to loans | 0.7133% | 4,427 |
| Net loans and leases to total assets | 66.3926% | 2,573 |
| Net loans and leases to deposits | 100.3487% | 454 |
| Net loans and leases to core deposits | 105.9792% | 758 |
| Total domestic deposits to total assets | 66.1619% | 6,703 |
| Equity capital to assets | 16.2752% | 503 |
| Core capital (leverage) ratio | 16.7933% | 403 |
| Tier 1 risk-based capital ratio | 20.5756% | 1,584 |
| Total risk-based capital ratio | 21.6374% | 1,604 |
| Memoranda: | ||
| Average total assets | $70,321,750 | 5,519 |
| Average earning assets | $65,565,000 | 5,471 |
| Average equity | $11,588,000 | 4,579 |
| Average total loans | $45,827,000 | 5,170 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8715% | 4,585 |
| Cost of funding earning assets | 0.7755% | 1,553 |
| Net interest margin | 3.0960% | 5,284 |
| Noninterest income to average assets | 0.3804% | 4,666 |
| Noninterest expense to average assets | 2.1653% | 5,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8295% | 3,151 |
| Return on assets (ROA) | 0.8295% | 3,303 |
| Pretax return on assets | 1.0926% | 3,120 |
| Return on Equity (ROE) | 5.0127% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.0620% | 3,711 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4618% | 4,460 |
| Assets per employee ($millions) | 4.9154% | 2,206 |
| Cash dividends to net income (ytd only)* | 18.9655% | 3,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3340% | 4,343 |
| Loan loss allowance to noncurrent loans | 437.9562% | 982 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 5,897 |
| Noncurrent loans to loans | 0.3046% | 5,544 |
| Net loans and leases to total assets | 64.4903% | 2,842 |
| Net loans and leases to deposits | 86.1711% | 1,557 |
| Net loans and leases to core deposits | 91.4220% | 1,770 |
| Total domestic deposits to total assets | 74.8398% | 6,375 |
| Equity capital to assets | 16.7057% | 444 |
| Core capital (leverage) ratio | 16.3553% | 430 |
| Tier 1 risk-based capital ratio | 21.5646% | 1,376 |
| Total risk-based capital ratio | 22.6894% | 1,368 |
| Memoranda: | ||
| Average total assets | $69,922,330 | 5,573 |
| Average earning assets | $64,987,000 | 5,530 |
| Average equity | $11,570,670 | 4,614 |
| Average total loans | $45,074,330 | 5,220 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8364% | 4,692 |
| Cost of funding earning assets | 0.8151% | 1,445 |
| Net interest margin | 3.0213% | 5,512 |
| Noninterest income to average assets | 0.1986% | 6,053 |
| Noninterest expense to average assets | 2.1908% | 5,713 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6414% | 4,010 |
| Return on assets (ROA) | 0.6414% | 4,171 |
| Pretax return on assets | 0.8059% | 4,151 |
| Return on Equity (ROE) | 3.8939% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.8939% | 3,897 |
| Net charge-offs to loans | -0.0089% | 5,397 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1061% | 3,429 |
| Assets per employee ($millions) | 5.0424% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 4,282 |
| Loan loss allowance to noncurrent loans | 566.9811% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.1502% | 6,121 |
| Noncurrent loans to loans | 0.2455% | 5,799 |
| Net loans and leases to total assets | 60.3153% | 3,374 |
| Net loans and leases to deposits | 80.6711% | 1,995 |
| Net loans and leases to core deposits | 84.2815% | 2,290 |
| Total domestic deposits to total assets | 74.7670% | 6,478 |
| Equity capital to assets | 16.4972% | 492 |
| Core capital (leverage) ratio | 16.1908% | 432 |
| Tier 1 risk-based capital ratio | 21.8353% | 1,365 |
| Total risk-based capital ratio | 22.9884% | 1,355 |
| Memoranda: | ||
| Average total assets | $70,476,000 | 5,613 |
| Average earning assets | $65,269,500 | 5,565 |
| Average equity | $11,608,000 | 4,653 |
| Average total loans | $45,122,000 | 5,245 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 4,172 |
| Cost of funding earning assets | 0.9438% | 1,674 |
| Net interest margin | 3.3611% | 5,033 |
| Noninterest income to average assets | 0.2518% | 5,664 |
| Noninterest expense to average assets | 2.1470% | 6,031 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9077% | 2,781 |
| Return on assets (ROA) | 0.8997% | 3,059 |
| Pretax return on assets | 1.1677% | 2,911 |
| Return on Equity (ROE) | 5.2961% | 4,538 |
| Retained earnings to average equity (ytd only) | -0.0087% | 5,842 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5704% | 4,786 |
| Assets per employee ($millions) | 5.0256% | 2,195 |
| Cash dividends to net income (ytd only)* | 100.1637% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2749% | 4,758 |
| Loan loss allowance to noncurrent loans | 3,750.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 6,605 |
| Noncurrent loans to loans | 0.0340% | 6,423 |
| Net loans and leases to total assets | 66.0394% | 2,515 |
| Net loans and leases to deposits | 88.5467% | 1,211 |
| Net loans and leases to core deposits | 92.6445% | 1,583 |
| Total domestic deposits to total assets | 74.5814% | 6,483 |
| Equity capital to assets | 16.4445% | 485 |
| Core capital (leverage) ratio | 16.6583% | 384 |
| Tier 1 risk-based capital ratio | 20.3883% | 1,586 |
| Total risk-based capital ratio | 21.4739% | 1,596 |
| Memoranda: | ||
| Average total assets | $67,909,200 | 5,675 |
| Average earning assets | $62,092,000 | 5,666 |
| Average equity | $11,536,800 | 4,662 |
| Average total loans | $43,782,400 | 5,341 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2899% | 4,486 |
| Cost of funding earning assets | 0.9632% | 1,766 |
| Net interest margin | 3.3267% | 5,289 |
| Noninterest income to average assets | 0.2318% | 5,888 |
| Noninterest expense to average assets | 2.2249% | 5,893 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8312% | 3,302 |
| Return on assets (ROA) | 0.8202% | 3,590 |
| Pretax return on assets | 1.0382% | 3,570 |
| Return on Equity (ROE) | 4.7880% | 4,922 |
| Retained earnings to average equity (ytd only) | 0.9483% | 5,791 |
| Net charge-offs to loans | -0.0062% | 6,296 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8960% | 4,087 |
| Assets per employee ($millions) | 5.1848% | 1,947 |
| Cash dividends to net income (ytd only)* | 80.1935% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 4,945 |
| Loan loss allowance to noncurrent loans | 1,505.0000% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0593% | 6,603 |
| Noncurrent loans to loans | 0.0844% | 6,402 |
| Net loans and leases to total assets | 69.3945% | 2,039 |
| Net loans and leases to deposits | 97.5902% | 565 |
| Net loans and leases to core deposits | 103.9584% | 870 |
| Total domestic deposits to total assets | 71.1081% | 6,788 |
| Equity capital to assets | 17.3153% | 419 |
| Core capital (leverage) ratio | 17.1658% | 359 |
| Tier 1 risk-based capital ratio | 20.5605% | 1,625 |
| Total risk-based capital ratio | 21.6510% | 1,626 |
| Memoranda: | ||
| Average total assets | $67,297,000 | 5,762 |
| Average earning assets | $61,600,750 | 5,749 |
| Average equity | $11,528,500 | 4,713 |
| Average total loans | $42,962,000 | 5,446 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 4,724 |
| Cost of funding earning assets | 1.0023% | 1,747 |
| Net interest margin | 3.2559% | 5,576 |
| Noninterest income to average assets | 0.2230% | 5,973 |
| Noninterest expense to average assets | 2.2004% | 6,009 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7894% | 3,436 |
| Return on assets (ROA) | 0.7701% | 3,787 |
| Pretax return on assets | 0.9545% | 3,874 |
| Return on Equity (ROE) | 4.5118% | 5,034 |
| Retained earnings to average equity (ytd only) | -1.2717% | 6,250 |
| Net charge-offs to loans | -0.0723% | 6,773 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2236% | 3,892 |
| Assets per employee ($millions) | 5.0898% | 2,045 |
| Cash dividends to net income (ytd only)* | 128.1853% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4406% | 4,286 |
| Loan loss allowance to noncurrent loans | 1,060.3448% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 6,585 |
| Noncurrent loans to loans | 0.1359% | 6,319 |
| Net loans and leases to total assets | 63.5912% | 3,125 |
| Net loans and leases to deposits | 84.4462% | 1,799 |
| Net loans and leases to core deposits | 90.7419% | 1,903 |
| Total domestic deposits to total assets | 75.3038% | 6,557 |
| Equity capital to assets | 17.3936% | 394 |
| Core capital (leverage) ratio | 16.3907% | 424 |
| Tier 1 risk-based capital ratio | 21.9652% | 1,299 |
| Total risk-based capital ratio | 23.1719% | 1,287 |
| Memoranda: | ||
| Average total assets | $67,261,670 | 5,804 |
| Average earning assets | $61,058,000 | 5,802 |
| Average equity | $11,481,000 | 4,719 |
| Average total loans | $41,490,670 | 5,532 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2299% | 4,996 |
| Cost of funding earning assets | 1.0460% | 1,705 |
| Net interest margin | 3.1839% | 5,822 |
| Noninterest income to average assets | 0.2419% | 5,900 |
| Noninterest expense to average assets | 2.2475% | 5,906 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7256% | 3,758 |
| Return on assets (ROA) | 0.7256% | 3,988 |
| Pretax return on assets | 0.8671% | 4,165 |
| Return on Equity (ROE) | 4.2906% | 5,145 |
| Retained earnings to average equity (ytd only) | -5.3719% | 6,605 |
| Net charge-offs to loans | -0.1370% | 6,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1591% | 3,412 |
| Assets per employee ($millions) | 4.9427% | 2,326 |
| Cash dividends to net income (ytd only)* | 225.2033% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 4,131 |
| Loan loss allowance to noncurrent loans | 158.2474% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 0.5607% | 5,481 |
| Noncurrent loans to loans | 0.9505% | 4,775 |
| Net loans and leases to total assets | 58.1014% | 4,016 |
| Net loans and leases to deposits | 76.0752% | 2,788 |
| Net loans and leases to core deposits | 80.8807% | 2,962 |
| Total domestic deposits to total assets | 76.3736% | 6,504 |
| Equity capital to assets | 16.4571% | 503 |
| Core capital (leverage) ratio | 16.5340% | 404 |
| Tier 1 risk-based capital ratio | 22.1388% | 1,269 |
| Total risk-based capital ratio | 23.3617% | 1,240 |
| Memoranda: | ||
| Average total assets | $67,808,500 | 5,834 |
| Average earning assets | $61,183,500 | 5,834 |
| Average equity | $11,467,000 | 4,739 |
| Average total loans | $40,890,000 | 5,607 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6585% | 4,430 |
| Cost of funding earning assets | 1.2500% | 1,739 |
| Net interest margin | 3.4084% | 5,458 |
| Noninterest income to average assets | 0.2774% | 5,546 |
| Noninterest expense to average assets | 2.4137% | 5,735 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8016% | 3,031 |
| Return on assets (ROA) | 0.8041% | 3,184 |
| Pretax return on assets | 1.0250% | 3,141 |
| Return on Equity (ROE) | 4.5758% | 4,585 |
| Retained earnings to average equity (ytd only) | 2.0248% | 4,770 |
| Net charge-offs to loans | 0.0326% | 5,992 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 50.1538% | 558 |
| Efficiency ratio | 70.2555% | 3,895 |
| Assets per employee ($millions) | 5.1092% | 2,044 |
| Cash dividends to net income (ytd only)* | 55.7505% | 1,763 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 4,171 |
| Loan loss allowance to noncurrent loans | 571.4286% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 6,551 |
| Noncurrent loans to loans | 0.2563% | 6,217 |
| Net loans and leases to total assets | 60.7673% | 3,837 |
| Net loans and leases to deposits | 80.9503% | 2,368 |
| Net loans and leases to core deposits | 86.0521% | 2,628 |
| Total domestic deposits to total assets | 75.0674% | 6,599 |
| Equity capital to assets | 17.3836% | 400 |
| Core capital (leverage) ratio | 17.6816% | 318 |
| Tier 1 risk-based capital ratio | 22.5038% | 1,165 |
| Total risk-based capital ratio | 23.7020% | 1,146 |
| Memoranda: | ||
| Average total assets | $63,802,000 | 5,928 |
| Average earning assets | $59,118,200 | 5,896 |
| Average equity | $11,211,200 | 4,735 |
| Average total loans | $39,831,800 | 5,701 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6093% | 4,834 |
| Cost of funding earning assets | 1.2796% | 1,820 |
| Net interest margin | 3.3297% | 5,771 |
| Noninterest income to average assets | 0.2513% | 5,818 |
| Noninterest expense to average assets | 2.4133% | 5,728 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7631% | 3,329 |
| Return on assets (ROA) | 0.7664% | 3,475 |
| Pretax return on assets | 0.9628% | 3,547 |
| Return on Equity (ROE) | 4.3495% | 4,837 |
| Retained earnings to average equity (ytd only) | 0.9226% | 5,637 |
| Net charge-offs to loans | 0.0539% | 5,432 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 28.3788% | 966 |
| Efficiency ratio | 71.5717% | 3,643 |
| Assets per employee ($millions) | 4.9022% | 2,317 |
| Cash dividends to net income (ytd only)* | 78.7868% | 645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3678% | 4,695 |
| Loan loss allowance to noncurrent loans | 304.5918% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 6,300 |
| Noncurrent loans to loans | 0.4491% | 5,945 |
| Net loans and leases to total assets | 67.5501% | 2,562 |
| Net loans and leases to deposits | 93.7887% | 853 |
| Net loans and leases to core deposits | 100.8480% | 1,176 |
| Total domestic deposits to total assets | 72.0237% | 6,934 |
| Equity capital to assets | 17.8694% | 404 |
| Core capital (leverage) ratio | 17.8070% | 338 |
| Tier 1 risk-based capital ratio | 21.5674% | 1,360 |
| Total risk-based capital ratio | 22.7255% | 1,345 |
| Memoranda: | ||
| Average total assets | $63,147,750 | 5,996 |
| Average earning assets | $59,182,750 | 5,936 |
| Average equity | $11,127,500 | 4,773 |
| Average total loans | $39,549,500 | 5,764 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5198% | 5,293 |
| Cost of funding earning assets | 1.3035% | 1,920 |
| Net interest margin | 3.2163% | 6,113 |
| Noninterest income to average assets | 0.2383% | 5,947 |
| Noninterest expense to average assets | 2.4049% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6920% | 3,579 |
| Return on assets (ROA) | 0.6894% | 3,717 |
| Pretax return on assets | 0.8482% | 3,838 |
| Return on Equity (ROE) | 3.9309% | 4,970 |
| Retained earnings to average equity (ytd only) | -1.2680% | 6,110 |
| Net charge-offs to loans | 0.0367% | 5,338 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 38.2857% | 766 |
| Efficiency ratio | 73.8537% | 3,386 |
| Assets per employee ($millions) | 4.4586% | 2,914 |
| Cash dividends to net income (ytd only)* | 132.2581% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5271% | 3,998 |
| Loan loss allowance to noncurrent loans | 1,188.2353% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 6,895 |
| Noncurrent loans to loans | 0.1285% | 6,659 |
| Net loans and leases to total assets | 62.6049% | 3,769 |
| Net loans and leases to deposits | 83.3557% | 2,209 |
| Net loans and leases to core deposits | 90.1911% | 2,353 |
| Total domestic deposits to total assets | 75.1057% | 6,714 |
| Equity capital to assets | 17.8597% | 391 |
| Core capital (leverage) ratio | 17.1956% | 391 |
| Tier 1 risk-based capital ratio | 22.8621% | 1,140 |
| Total risk-based capital ratio | 24.1124% | 1,121 |
| Memoranda: | ||
| Average total assets | $62,954,000 | 6,054 |
| Average earning assets | $59,073,670 | 5,983 |
| Average equity | $11,040,670 | 4,793 |
| Average total loans | $38,184,000 | 5,882 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3870% | 5,738 |
| Cost of funding earning assets | 1.3100% | 2,119 |
| Net interest margin | 3.0769% | 6,408 |
| Noninterest income to average assets | 0.2404% | 5,979 |
| Noninterest expense to average assets | 2.5245% | 5,469 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5188% | 4,410 |
| Return on assets (ROA) | 0.5188% | 4,496 |
| Pretax return on assets | 0.6137% | 4,635 |
| Return on Equity (ROE) | 2.9853% | 5,380 |
| Retained earnings to average equity (ytd only) | -7.0629% | 6,682 |
| Net charge-offs to loans | 0.1175% | 3,824 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 8.8182% | 1,783 |
| Efficiency ratio | 80.4435% | 2,448 |
| Assets per employee ($millions) | 4.5453% | 2,810 |
| Cash dividends to net income (ytd only)* | 336.5854% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 3,676 |
| Loan loss allowance to noncurrent loans | 1,075.0000% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0880% | 6,942 |
| Noncurrent loans to loans | 0.1501% | 6,676 |
| Net loans and leases to total assets | 57.6704% | 4,695 |
| Net loans and leases to deposits | 76.1796% | 3,389 |
| Net loans and leases to core deposits | 80.9485% | 3,611 |
| Total domestic deposits to total assets | 75.7032% | 6,716 |
| Equity capital to assets | 17.1795% | 427 |
| Core capital (leverage) ratio | 17.0751% | 390 |
| Tier 1 risk-based capital ratio | 23.4612% | 1,031 |
| Total risk-based capital ratio | 24.7113% | 1,018 |
| Memoranda: | ||
| Average total assets | $63,221,000 | 6,088 |
| Average earning assets | $59,540,000 | 6,011 |
| Average equity | $10,987,000 | 4,803 |
| Average total loans | $37,434,000 | 5,972 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 4,182 |
| Cost of funding earning assets | 1.5420% | 2,394 |
| Net interest margin | 3.5389% | 5,081 |
| Noninterest income to average assets | 0.3503% | 5,299 |
| Noninterest expense to average assets | 2.5696% | 5,546 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8490% | 2,593 |
| Return on assets (ROA) | 0.8503% | 2,729 |
| Pretax return on assets | 1.1037% | 2,568 |
| Return on Equity (ROE) | 4.5247% | 4,285 |
| Retained earnings to average equity (ytd only) | 2.5700% | 4,066 |
| Net charge-offs to loans | -0.0109% | 7,316 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9861% | 4,187 |
| Assets per employee ($millions) | 4.4863% | 2,899 |
| Cash dividends to net income (ytd only)* | 43.2000% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 3,457 |
| Loan loss allowance to noncurrent loans | 851.3889% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.1146% | 6,948 |
| Noncurrent loans to loans | 0.1917% | 6,687 |
| Net loans and leases to total assets | 58.8380% | 4,884 |
| Net loans and leases to deposits | 78.1141% | 3,495 |
| Net loans and leases to core deposits | 83.0188% | 3,742 |
| Total domestic deposits to total assets | 75.3232% | 6,725 |
| Equity capital to assets | 17.5806% | 399 |
| Core capital (leverage) ratio | 17.8148% | 339 |
| Tier 1 risk-based capital ratio | 23.8365% | 948 |
| Total risk-based capital ratio | 25.0863% | 930 |
| Memoranda: | ||
| Average total assets | $58,803,600 | 6,248 |
| Average earning assets | $55,187,200 | 6,166 |
| Average equity | $11,050,400 | 4,851 |
| Average total loans | $36,607,000 | 6,087 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1932% | 3,865 |
| Cost of funding earning assets | 1.5801% | 2,509 |
| Net interest margin | 3.6131% | 4,814 |
| Noninterest income to average assets | 0.3506% | 5,366 |
| Noninterest expense to average assets | 2.6134% | 5,270 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8586% | 2,785 |
| Return on assets (ROA) | 0.8604% | 2,910 |
| Pretax return on assets | 1.1256% | 2,748 |
| Return on Equity (ROE) | 4.4996% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.4996% | 3,349 |
| Net charge-offs to loans | -0.0073% | 7,240 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9383% | 4,078 |
| Assets per employee ($millions) | 4.2404% | 3,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5363% | 3,795 |
| Loan loss allowance to noncurrent loans | 2,106.8966% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 7,223 |
| Noncurrent loans to loans | 0.0729% | 7,063 |
| Net loans and leases to total assets | 65.9631% | 3,697 |
| Net loans and leases to deposits | 90.1990% | 1,702 |
| Net loans and leases to core deposits | 96.8731% | 2,160 |
| Total domestic deposits to total assets | 73.1306% | 7,021 |
| Equity capital to assets | 19.0803% | 345 |
| Core capital (leverage) ratio | 18.8119% | 311 |
| Tier 1 risk-based capital ratio | 23.6734% | 986 |
| Total risk-based capital ratio | 24.9240% | 961 |
| Memoranda: | ||
| Average total assets | $57,802,500 | 6,359 |
| Average earning assets | $54,171,500 | 6,273 |
| Average equity | $11,052,500 | 4,911 |
| Average total loans | $36,366,750 | 6,184 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1086% | 4,407 |
| Cost of funding earning assets | 1.5888% | 2,719 |
| Net interest margin | 3.5199% | 5,166 |
| Noninterest income to average assets | 0.3701% | 5,181 |
| Noninterest expense to average assets | 2.5698% | 5,456 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8310% | 2,820 |
| Return on assets (ROA) | 0.8310% | 2,971 |
| Pretax return on assets | 1.1033% | 2,778 |
| Return on Equity (ROE) | 4.3427% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.3427% | 3,310 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9620% | 4,196 |
| Assets per employee ($millions) | 4.1414% | 3,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5830% | 3,521 |
| Loan loss allowance to noncurrent loans | 108.5561% | 2,559 |
| Noncurrent assets plus other real estate owned to assets | 0.9676% | 5,200 |
| Noncurrent loans to loans | 1.4582% | 4,521 |
| Net loans and leases to total assets | 65.3030% | 3,985 |
| Net loans and leases to deposits | 89.5697% | 1,928 |
| Net loans and leases to core deposits | 97.3516% | 2,295 |
| Total domestic deposits to total assets | 72.9074% | 7,105 |
| Equity capital to assets | 19.1431% | 335 |
| Core capital (leverage) ratio | 19.1425% | 284 |
| Tier 1 risk-based capital ratio | 24.1442% | 930 |
| Total risk-based capital ratio | 25.3958% | 910 |
| Memoranda: | ||
| Average total assets | $57,281,670 | 6,423 |
| Average earning assets | $53,752,000 | 6,333 |
| Average equity | $10,961,000 | 4,934 |
| Average total loans | $35,232,330 | 6,277 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0591% | 4,738 |
| Cost of funding earning assets | 1.6189% | 2,845 |
| Net interest margin | 3.4402% | 5,427 |
| Noninterest income to average assets | 0.3864% | 5,027 |
| Noninterest expense to average assets | 2.6066% | 5,332 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7588% | 3,165 |
| Return on assets (ROA) | 0.7588% | 3,276 |
| Pretax return on assets | 1.0047% | 3,079 |
| Return on Equity (ROE) | 3.9662% | 4,910 |
| Retained earnings to average equity (ytd only) | 3.9662% | 3,767 |
| Net charge-offs to loans | -0.0714% | 7,446 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1790% | 3,900 |
| Assets per employee ($millions) | 4.0559% | 3,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8741% | 2,515 |
| Loan loss allowance to noncurrent loans | 349.4318% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.3100% | 6,701 |
| Noncurrent loans to loans | 0.5363% | 6,220 |
| Net loans and leases to total assets | 56.7099% | 5,652 |
| Net loans and leases to deposits | 76.6709% | 4,290 |
| Net loans and leases to core deposits | 81.8676% | 4,508 |
| Total domestic deposits to total assets | 73.9653% | 7,052 |
| Equity capital to assets | 19.2737% | 321 |
| Core capital (leverage) ratio | 19.0994% | 306 |
| Tier 1 risk-based capital ratio | 27.2828% | 689 |
| Total risk-based capital ratio | 28.5356% | 674 |
| Memoranda: | ||
| Average total assets | $56,933,000 | 6,506 |
| Average earning assets | $53,369,500 | 6,419 |
| Average equity | $10,892,000 | 5,007 |
| Average total loans | $33,613,000 | 6,428 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8530% | 2,430 |
| Cost of funding earning assets | 1.9413% | 3,250 |
| Net interest margin | 3.9117% | 3,220 |
| Noninterest income to average assets | 0.3555% | 5,563 |
| Noninterest expense to average assets | 2.5482% | 5,960 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0424% | 1,698 |
| Return on assets (ROA) | 1.0359% | 1,761 |
| Pretax return on assets | 1.4347% | 1,346 |
| Return on Equity (ROE) | 5.4339% | 3,461 |
| Retained earnings to average equity (ytd only) | 4.1559% | 2,309 |
| Net charge-offs to loans | 0.0029% | 7,209 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 800.0000% | 30 |
| Efficiency ratio | 63.8336% | 5,808 |
| Assets per employee ($millions) | 4.0774% | 3,662 |
| Cash dividends to net income (ytd only)* | 23.5192% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7698% | 2,641 |
| Loan loss allowance to noncurrent loans | 1,740.0000% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0613% | 7,346 |
| Noncurrent loans to loans | 0.1017% | 7,157 |
| Net loans and leases to total assets | 59.2127% | 5,462 |
| Net loans and leases to deposits | 79.6517% | 4,056 |
| Net loans and leases to core deposits | 91.6488% | 4,933 |
| Total domestic deposits to total assets | 74.3396% | 6,970 |
| Equity capital to assets | 18.9896% | 366 |
| Core capital (leverage) ratio | 19.0296% | 335 |
| Tier 1 risk-based capital ratio | 25.8892% | 768 |
| Total risk-based capital ratio | 27.1430% | 756 |
| Memoranda: | ||
| Average total assets | $55,412,400 | 6,514 |
| Average earning assets | $51,512,200 | 6,477 |
| Average equity | $10,563,400 | 5,137 |
| Average total loans | $34,313,800 | 6,380 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9570% | 2,208 |
| Cost of funding earning assets | 1.9926% | 3,395 |
| Net interest margin | 3.9644% | 2,973 |
| Noninterest income to average assets | 0.3612% | 5,609 |
| Noninterest expense to average assets | 2.6984% | 5,335 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9649% | 2,176 |
| Return on assets (ROA) | 0.9649% | 2,233 |
| Pretax return on assets | 1.3431% | 1,839 |
| Return on Equity (ROE) | 5.0566% | 3,944 |
| Retained earnings to average equity (ytd only) | 3.3414% | 3,433 |
| Net charge-offs to loans | 0.0039% | 6,929 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 555.3759% | 60 |
| Efficiency ratio | 66.7666% | 5,233 |
| Assets per employee ($millions) | 3.9955% | 3,739 |
| Cash dividends to net income (ytd only)* | 33.9207% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6716% | 2,727 |
| Loan loss allowance to noncurrent loans | 998.3607% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 7,275 |
| Noncurrent loans to loans | 0.1674% | 7,071 |
| Net loans and leases to total assets | 64.0417% | 4,864 |
| Net loans and leases to deposits | 86.6525% | 3,199 |
| Net loans and leases to core deposits | 102.1238% | 4,142 |
| Total domestic deposits to total assets | 73.9064% | 6,961 |
| Equity capital to assets | 19.1233% | 407 |
| Core capital (leverage) ratio | 19.0784% | 374 |
| Tier 1 risk-based capital ratio | 24.9440% | 904 |
| Total risk-based capital ratio | 26.1956% | 879 |
| Memoranda: | ||
| Average total assets | $54,994,500 | 6,577 |
| Average earning assets | $51,053,750 | 6,536 |
| Average equity | $10,494,250 | 5,207 |
| Average total loans | $34,289,750 | 6,435 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9749% | 2,283 |
| Cost of funding earning assets | 2.0231% | 3,663 |
| Net interest margin | 3.9518% | 2,883 |
| Noninterest income to average assets | 0.3402% | 5,788 |
| Noninterest expense to average assets | 2.6627% | 5,504 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9693% | 2,211 |
| Return on assets (ROA) | 0.9693% | 2,314 |
| Pretax return on assets | 1.3497% | 1,875 |
| Return on Equity (ROE) | 5.0831% | 4,043 |
| Retained earnings to average equity (ytd only) | 3.2225% | 3,525 |
| Net charge-offs to loans | -0.0179% | 7,677 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3628% | 5,487 |
| Assets per employee ($millions) | 3.9984% | 3,675 |
| Cash dividends to net income (ytd only)* | 36.6038% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7209% | 2,273 |
| Loan loss allowance to noncurrent loans | 329.5699% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.3323% | 6,632 |
| Noncurrent loans to loans | 0.5222% | 6,225 |
| Net loans and leases to total assets | 62.5371% | 5,262 |
| Net loans and leases to deposits | 84.3786% | 3,813 |
| Net loans and leases to core deposits | 99.8859% | 4,520 |
| Total domestic deposits to total assets | 74.1148% | 6,939 |
| Equity capital to assets | 18.8020% | 473 |
| Core capital (leverage) ratio | 19.0816% | 412 |
| Tier 1 risk-based capital ratio | 25.2437% | 920 |
| Total risk-based capital ratio | 26.4953% | 900 |
| Memoranda: | ||
| Average total assets | $54,680,330 | 6,650 |
| Average earning assets | $50,812,330 | 6,601 |
| Average equity | $10,426,670 | 5,233 |
| Average total loans | $33,575,670 | 6,532 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2659% | 1,398 |
| Cost of funding earning assets | 2.0940% | 3,687 |
| Net interest margin | 4.1719% | 2,004 |
| Noninterest income to average assets | 0.3479% | 5,662 |
| Noninterest expense to average assets | 2.6651% | 5,163 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1105% | 1,919 |
| Return on assets (ROA) | 1.1105% | 2,047 |
| Pretax return on assets | 1.5324% | 1,582 |
| Return on Equity (ROE) | 5.7817% | 4,130 |
| Retained earnings to average equity (ytd only) | 2.0429% | 4,723 |
| Net charge-offs to loans | -0.0369% | 7,615 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4921% | 5,782 |
| Assets per employee ($millions) | 3.9144% | 3,839 |
| Cash dividends to net income (ytd only)* | 64.6667% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 1,702 |
| Loan loss allowance to noncurrent loans | 207.0946% | 1,612 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 5,862 |
| Noncurrent loans to loans | 0.9004% | 5,200 |
| Net loans and leases to total assets | 58.8665% | 5,825 |
| Net loans and leases to deposits | 77.3343% | 5,036 |
| Net loans and leases to core deposits | 89.8607% | 5,568 |
| Total domestic deposits to total assets | 76.1195% | 6,486 |
| Equity capital to assets | 18.9774% | 504 |
| Core capital (leverage) ratio | 19.2478% | 431 |
| Tier 1 risk-based capital ratio | 26.7635% | 832 |
| Total risk-based capital ratio | 28.0174% | 820 |
| Memoranda: | ||
| Average total assets | $54,031,500 | 6,705 |
| Average earning assets | $49,857,000 | 6,667 |
| Average equity | $10,377,500 | 5,271 |
| Average total loans | $32,553,500 | 6,612 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3932% | 3,453 |
| Cost of funding earning assets | 2.4928% | 4,242 |
| Net interest margin | 3.9004% | 3,564 |
| Noninterest income to average assets | 0.3790% | 5,651 |
| Noninterest expense to average assets | 2.9098% | 4,415 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7769% | 3,536 |
| Return on assets (ROA) | 0.7798% | 3,368 |
| Pretax return on assets | 1.0778% | 3,106 |
| Return on Equity (ROE) | 3.7673% | 4,910 |
| Retained earnings to average equity (ytd only) | -0.6104% | 5,474 |
| Net charge-offs to loans | -0.0575% | 8,039 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0426% | 3,740 |
| Assets per employee ($millions) | 3.8044% | 3,947 |
| Cash dividends to net income (ytd only)* | 116.2025% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 1,438 |
| Loan loss allowance to noncurrent loans | 115.3119% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.9932% | 4,355 |
| Noncurrent loans to loans | 1.6411% | 3,310 |
| Net loans and leases to total assets | 59.3755% | 6,001 |
| Net loans and leases to deposits | 79.0719% | 5,185 |
| Net loans and leases to core deposits | 91.3408% | 5,690 |
| Total domestic deposits to total assets | 75.0906% | 6,430 |
| Equity capital to assets | 19.4420% | 502 |
| Core capital (leverage) ratio | 19.8997% | 448 |
| Tier 1 risk-based capital ratio | 27.0200% | 826 |
| Total risk-based capital ratio | 28.2741% | 806 |
| Memoranda: | ||
| Average total assets | $50,657,000 | 6,749 |
| Average earning assets | $46,815,600 | 6,721 |
| Average equity | $10,485,000 | 5,272 |
| Average total loans | $33,019,200 | 6,544 |