Home > First Bank and Trust of Memphis > Performance and Condition Ratios
First Bank and Trust of Memphis, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5236% | 1,128 |
| Cost of funding earning assets | 1.7972% | 1,254 |
| Net interest margin | 3.7264% | 1,707 |
| Noninterest income to average assets | 0.2300% | 3,570 |
| Noninterest expense to average assets | 2.2303% | 3,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.5508% | 939 |
| Return on assets (ROA) | 1.5654% | 881 |
| Pretax return on assets | 1.5654% | 1,301 |
| Return on Equity (ROE) | 13.0700% | 1,711 |
| Retained earnings to average equity (ytd only) | 5.1725% | 2,548 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.9853% | 3,190 |
| Assets per employee ($millions) | 8.2069% | 1,332 |
| Cash dividends to net income (ytd only)* | 60.4303% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2454% | 2,046 |
| Loan loss allowance to noncurrent loans | 64.9528% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 1.2902% | 326 |
| Noncurrent loans to loans | 1.9174% | 304 |
| Net loans and leases to total assets | 66.4500% | 2,203 |
| Net loans and leases to deposits | 79.7971% | 2,128 |
| Net loans and leases to core deposits | 90.6177% | 2,007 |
| Total domestic deposits to total assets | 83.2800% | 2,813 |
| Equity capital to assets | 11.3766% | 1,340 |
| Core capital (leverage) ratio | 12.2727% | 1,307 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3891% | 849 |
| Memoranda: | ||
| Average total assets | $68,287,200 | 4,132 |
| Average earning assets | $65,103,000 | 4,086 |
| Average equity | $8,177,800 | 3,910 |
| Average total loans | $40,959,400 | 3,982 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3175% | 1,267 |
| Cost of funding earning assets | 1.6748% | 1,223 |
| Net interest margin | 3.6427% | 1,899 |
| Noninterest income to average assets | 0.2400% | 3,510 |
| Noninterest expense to average assets | 2.2224% | 3,018 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.4889% | 1,148 |
| Return on assets (ROA) | 1.4550% | 1,193 |
| Pretax return on assets | 1.4550% | 1,664 |
| Return on Equity (ROE) | 11.9800% | 2,131 |
| Retained earnings to average equity (ytd only) | 5.4833% | 2,782 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 59.8818% | 2,977 |
| Assets per employee ($millions) | 7.3750% | 1,707 |
| Cash dividends to net income (ytd only)* | 54.2466% | 1,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 1,847 |
| Loan loss allowance to noncurrent loans | 64.9528% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 1.4358% | 267 |
| Noncurrent loans to loans | 2.0093% | 303 |
| Net loans and leases to total assets | 70.5200% | 1,768 |
| Net loans and leases to deposits | 82.6842% | 1,854 |
| Net loans and leases to core deposits | 92.2401% | 1,777 |
| Total domestic deposits to total assets | 85.2900% | 2,417 |
| Equity capital to assets | 12.5258% | 915 |
| Core capital (leverage) ratio | 12.1960% | 1,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.2696% | 787 |
| Memoranda: | ||
| Average total assets | $66,893,500 | 4,158 |
| Average earning assets | $63,687,000 | 4,122 |
| Average equity | $8,121,500 | 3,919 |
| Average total loans | $38,773,500 | 4,026 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8513% | 1,882 |
| Cost of funding earning assets | 1.5041% | 1,234 |
| Net interest margin | 3.3472% | 2,652 |
| Noninterest income to average assets | 0.2600% | 3,340 |
| Noninterest expense to average assets | 2.2217% | 3,012 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2197% | 1,773 |
| Return on assets (ROA) | 1.1750% | 1,890 |
| Pretax return on assets | 1.1750% | 2,431 |
| Return on Equity (ROE) | 9.7800% | 2,771 |
| Retained earnings to average equity (ytd only) | 4.5921% | 3,055 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 64.5581% | 2,421 |
| Assets per employee ($millions) | 7.6837% | 1,481 |
| Cash dividends to net income (ytd only)* | 53.0457% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 824 |
| 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 | 53.1400% | 3,334 |
| Net loans and leases to deposits | 63.7709% | 3,204 |
| Net loans and leases to core deposits | 70.9489% | 3,069 |
| Total domestic deposits to total assets | 83.3300% | 2,977 |
| Equity capital to assets | 11.8072% | 1,104 |
| Core capital (leverage) ratio | 12.0153% | 1,367 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.8949% | 643 |
| Memoranda: | ||
| Average total assets | $67,066,333 | 4,179 |
| Average earning assets | $63,694,667 | 4,143 |
| Average equity | $8,057,333 | 3,948 |
| Average total loans | $35,888,333 | 4,085 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1695% | 3,104 |
| Cost of funding earning assets | 1.2496% | 1,340 |
| Net interest margin | 2.9199% | 3,759 |
| Noninterest income to average assets | 0.2800% | 3,222 |
| Noninterest expense to average assets | 2.2416% | 2,981 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.8179% | 3,140 |
| Return on assets (ROA) | 0.8845% | 2,858 |
| Pretax return on assets | 0.8845% | 3,282 |
| Return on Equity (ROE) | 7.3000% | 3,460 |
| Retained earnings to average equity (ytd only) | 2.3490% | 3,637 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 73.2673% | 1,411 |
| Assets per employee ($millions) | 7.2716% | 1,767 |
| Cash dividends to net income (ytd only)* | 67.8082% | 814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7961% | 669 |
| 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 | 51.7200% | 3,363 |
| Net loans and leases to deposits | 59.7609% | 3,349 |
| Net loans and leases to core deposits | 65.2849% | 3,273 |
| Total domestic deposits to total assets | 86.5400% | 2,429 |
| Equity capital to assets | 12.2654% | 928 |
| Core capital (leverage) ratio | 12.2917% | 1,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2787% | 632 |
| Memoranda: | ||
| Average total assets | $66,023,000 | 4,244 |
| Average earning assets | $62,742,000 | 4,207 |
| Average equity | $8,003,500 | 3,999 |
| Average total loans | $35,149,000 | 4,149 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2596% | 3,686 |
| Cost of funding earning assets | 0.5316% | 1,209 |
| Net interest margin | 2.7279% | 4,018 |
| Noninterest income to average assets | 0.2200% | 3,823 |
| Noninterest expense to average assets | 2.2019% | 3,023 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6272% | 3,812 |
| Return on assets (ROA) | 0.4893% | 4,066 |
| Pretax return on assets | 0.4893% | 4,182 |
| Return on Equity (ROE) | 4.1800% | 4,132 |
| Retained earnings to average equity (ytd only) | 1.2537% | 4,146 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.8302% | 858 |
| Assets per employee ($millions) | 7.4002% | 1,685 |
| Cash dividends to net income (ytd only)* | 70.0000% | 661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7274% | 770 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 52.8700% | 3,293 |
| Net loans and leases to deposits | 61.3630% | 3,247 |
| Net loans and leases to core deposits | 64.4704% | 3,238 |
| Total domestic deposits to total assets | 86.1700% | 2,679 |
| Equity capital to assets | 11.9816% | 941 |
| Core capital (leverage) ratio | 11.9856% | 1,293 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6235% | 574 |
| Memoranda: | ||
| Average total assets | $67,442,600 | 4,253 |
| Average earning assets | $64,517,400 | 4,212 |
| Average equity | $7,896,400 | 4,111 |
| Average total loans | $37,877,400 | 4,105 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0659% | 3,749 |
| Cost of funding earning assets | 0.4022% | 1,274 |
| Net interest margin | 2.6637% | 3,996 |
| Noninterest income to average assets | 0.2100% | 3,937 |
| Noninterest expense to average assets | 2.1896% | 2,962 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5834% | 3,874 |
| Return on assets (ROA) | 0.3882% | 4,207 |
| Pretax return on assets | 0.3882% | 4,276 |
| Return on Equity (ROE) | 3.3400% | 4,256 |
| Retained earnings to average equity (ytd only) | 0.8973% | 4,228 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 78.9623% | 840 |
| Assets per employee ($millions) | 7.3547% | 1,705 |
| Cash dividends to net income (ytd only)* | 73.0964% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6711% | 922 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 55.0200% | 3,002 |
| Net loans and leases to deposits | 67.0755% | 2,627 |
| Net loans and leases to core deposits | 70.3929% | 2,615 |
| Total domestic deposits to total assets | 82.0300% | 3,837 |
| Equity capital to assets | 11.9863% | 890 |
| Core capital (leverage) ratio | 11.9474% | 1,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.7507% | 148 |
| Memoranda: | ||
| Average total assets | $67,652,750 | 4,282 |
| Average earning assets | $64,970,250 | 4,238 |
| Average equity | $7,875,500 | 4,150 |
| Average total loans | $38,388,250 | 4,118 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8776% | 3,836 |
| Cost of funding earning assets | 0.3792% | 1,050 |
| Net interest margin | 2.4984% | 4,089 |
| Noninterest income to average assets | 0.2172% | 3,898 |
| Noninterest expense to average assets | 2.1808% | 2,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4344% | 4,042 |
| Return on assets (ROA) | 0.2377% | 4,337 |
| Pretax return on assets | 0.2377% | 4,365 |
| Return on Equity (ROE) | 2.0621% | 4,348 |
| Retained earnings to average equity (ytd only) | 0.3310% | 4,127 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3895% | 716 |
| Assets per employee ($millions) | 7.4748% | 1,627 |
| Cash dividends to net income (ytd only)* | 83.9506% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 1,170 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 56.8802% | 2,654 |
| Net loans and leases to deposits | 65.2152% | 2,617 |
| Net loans and leases to core deposits | 68.9025% | 2,576 |
| Total domestic deposits to total assets | 87.2192% | 2,863 |
| Equity capital to assets | 11.7343% | 953 |
| Core capital (leverage) ratio | 11.8211% | 1,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.5577% | 124 |
| Memoranda: | ||
| Average total assets | $68,139,667 | 4,322 |
| Average earning assets | $65,402,667 | 4,291 |
| Average equity | $7,856,000 | 4,220 |
| Average total loans | $38,837,333 | 4,156 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5829% | 4,151 |
| Cost of funding earning assets | 0.3829% | 970 |
| Net interest margin | 2.2001% | 4,348 |
| Noninterest income to average assets | 0.2275% | 3,791 |
| Noninterest expense to average assets | 2.2166% | 2,796 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1225% | 4,440 |
| Return on assets (ROA) | -0.1167% | 4,589 |
| Pretax return on assets | -0.1167% | 4,580 |
| Return on Equity (ROE) | -1.0208% | 4,589 |
| Retained earnings to average equity (ytd only) | -4.4915% | 4,402 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7631% | 367 |
| Assets per employee ($millions) | 6.8341% | 2,116 |
| Cash dividends to net income (ytd only)* | -340.0000% | 4,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6278% | 1,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 54.7358% | 2,662 |
| Net loans and leases to deposits | 62.4752% | 2,678 |
| Net loans and leases to core deposits | 66.2528% | 2,612 |
| Total domestic deposits to total assets | 87.6121% | 2,702 |
| Equity capital to assets | 11.4031% | 1,159 |
| Core capital (leverage) ratio | 11.4894% | 1,269 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.5265% | 136 |
| Memoranda: | ||
| Average total assets | $68,573,000 | 4,344 |
| Average earning assets | $65,816,500 | 4,309 |
| Average equity | $7,837,000 | 4,283 |
| Average total loans | $38,814,000 | 4,176 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0900% | 3,703 |
| Cost of funding earning assets | 0.5100% | 886 |
| Net interest margin | 2.5800% | 4,076 |
| Noninterest income to average assets | 0.2373% | 3,956 |
| Noninterest expense to average assets | 2.2199% | 3,009 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4866% | 4,121 |
| Return on assets (ROA) | 0.4337% | 4,258 |
| Pretax return on assets | 0.4337% | 4,355 |
| Return on Equity (ROE) | 3.6695% | 4,266 |
| Retained earnings to average equity (ytd only) | 0.9845% | 4,266 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0212% | 672 |
| Assets per employee ($millions) | 6.2550% | 2,523 |
| Cash dividends to net income (ytd only)* | 73.1707% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5631% | 1,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 56.6572% | 2,522 |
| Net loans and leases to deposits | 64.7031% | 2,624 |
| Net loans and leases to core deposits | 70.9311% | 2,365 |
| Total domestic deposits to total assets | 87.5649% | 2,254 |
| Equity capital to assets | 11.4541% | 1,534 |
| Core capital (leverage) ratio | 12.2429% | 1,003 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7087% | 126 |
| Memoranda: | ||
| Average total assets | $66,173,200 | 4,377 |
| Average earning assets | $63,334,000 | 4,345 |
| Average equity | $7,821,200 | 4,345 |
| Average total loans | $40,469,800 | 4,177 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0531% | 3,904 |
| Cost of funding earning assets | 0.5280% | 918 |
| Net interest margin | 2.5251% | 4,232 |
| Noninterest income to average assets | 0.2361% | 3,986 |
| Noninterest expense to average assets | 2.1999% | 3,067 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4498% | 4,300 |
| Return on assets (ROA) | 0.4009% | 4,401 |
| Pretax return on assets | 0.4009% | 4,491 |
| Return on Equity (ROE) | 3.3647% | 4,409 |
| Retained earnings to average equity (ytd only) | 0.9906% | 4,415 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0261% | 576 |
| Assets per employee ($millions) | 5.6103% | 3,089 |
| Cash dividends to net income (ytd only)* | 70.5584% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4485% | 1,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 68.2449% | 1,291 |
| Net loans and leases to deposits | 79.2772% | 1,353 |
| Net loans and leases to core deposits | 89.4107% | 1,065 |
| Total domestic deposits to total assets | 86.0840% | 2,715 |
| Equity capital to assets | 12.7396% | 1,078 |
| Core capital (leverage) ratio | 12.6149% | 950 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8848% | 836 |
| Memoranda: | ||
| Average total assets | $65,515,250 | 4,443 |
| Average earning assets | $62,622,750 | 4,412 |
| Average equity | $7,806,250 | 4,412 |
| Average total loans | $40,686,750 | 4,232 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8988% | 4,226 |
| Cost of funding earning assets | 0.5290% | 1,036 |
| Net interest margin | 2.3697% | 4,453 |
| Noninterest income to average assets | 0.1827% | 4,289 |
| Noninterest expense to average assets | 2.1503% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2995% | 4,526 |
| Return on assets (ROA) | 0.3055% | 4,541 |
| Pretax return on assets | 0.3055% | 4,582 |
| Return on Equity (ROE) | 2.6195% | 4,537 |
| Retained earnings to average equity (ytd only) | 0.1541% | 4,488 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7751% | 405 |
| Assets per employee ($millions) | 6.3381% | 2,300 |
| Cash dividends to net income (ytd only)* | 94.1176% | 324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6059% | 1,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 59.8381% | 2,447 |
| Net loans and leases to deposits | 69.1588% | 2,497 |
| Net loans and leases to core deposits | 77.6313% | 2,081 |
| Total domestic deposits to total assets | 86.5228% | 2,542 |
| Equity capital to assets | 12.2876% | 1,225 |
| Core capital (leverage) ratio | 11.9468% | 1,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2893% | 666 |
| Memoranda: | ||
| Average total assets | $66,782,667 | 4,454 |
| Average earning assets | $63,889,333 | 4,420 |
| Average equity | $7,787,667 | 4,436 |
| Average total loans | $40,004,000 | 4,277 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7527% | 4,429 |
| Cost of funding earning assets | 0.5261% | 1,230 |
| Net interest margin | 2.2266% | 4,593 |
| Noninterest income to average assets | 0.1986% | 4,197 |
| Noninterest expense to average assets | 2.0793% | 3,483 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2453% | 4,599 |
| Return on assets (ROA) | 0.2570% | 4,604 |
| Pretax return on assets | 0.2570% | 4,637 |
| Return on Equity (ROE) | 2.2600% | 4,579 |
| Retained earnings to average equity (ytd only) | -0.9246% | 4,458 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4472% | 387 |
| Assets per employee ($millions) | 6.6618% | 2,040 |
| Cash dividends to net income (ytd only)* | 140.9091% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5610% | 1,393 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 58.5938% | 2,728 |
| Net loans and leases to deposits | 67.1125% | 2,798 |
| Net loans and leases to core deposits | 74.8036% | 2,447 |
| Total domestic deposits to total assets | 87.3067% | 2,179 |
| Equity capital to assets | 11.6590% | 1,464 |
| Core capital (leverage) ratio | 11.3947% | 1,477 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8944% | 803 |
| Memoranda: | ||
| Average total assets | $68,483,500 | 4,458 |
| Average earning assets | $65,390,500 | 4,418 |
| Average equity | $7,787,500 | 4,454 |
| Average total loans | $40,733,500 | 4,287 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4630% | 4,090 |
| Cost of funding earning assets | 0.7688% | 1,351 |
| Net interest margin | 2.6942% | 4,386 |
| Noninterest income to average assets | 0.1949% | 4,309 |
| Noninterest expense to average assets | 2.4187% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3472% | 4,357 |
| Return on assets (ROA) | 0.3521% | 4,410 |
| Pretax return on assets | 0.3521% | 4,481 |
| Return on Equity (ROE) | 2.7671% | 4,429 |
| Retained earnings to average equity (ytd only) | 0.8366% | 4,276 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4482% | 468 |
| Assets per employee ($millions) | 7.0349% | 1,563 |
| Cash dividends to net income (ytd only)* | 69.7674% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 58.5580% | 3,029 |
| Net loans and leases to deposits | 66.5326% | 3,222 |
| Net loans and leases to core deposits | 73.2004% | 2,977 |
| Total domestic deposits to total assets | 88.0140% | 1,463 |
| Equity capital to assets | 11.0989% | 2,173 |
| Core capital (leverage) ratio | 12.3425% | 1,099 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.6167% | 822 |
| Memoranda: | ||
| Average total assets | $61,065,800 | 4,502 |
| Average earning assets | $58,273,400 | 4,462 |
| Average equity | $7,769,800 | 4,447 |
| Average total loans | $39,635,400 | 4,316 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 4,054 |
| Cost of funding earning assets | 0.8301% | 1,360 |
| Net interest margin | 2.7542% | 4,394 |
| Noninterest income to average assets | 0.1975% | 4,295 |
| Noninterest expense to average assets | 2.5261% | 2,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2996% | 4,448 |
| Return on assets (ROA) | 0.2996% | 4,496 |
| Pretax return on assets | 0.2996% | 4,545 |
| Return on Equity (ROE) | 2.2679% | 4,516 |
| Retained earnings to average equity (ytd only) | -0.3093% | 4,530 |
| Net charge-offs to loans | 0.0102% | 2,736 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | 44.0000% | 1,287 |
| Efficiency ratio | 89.3976% | 378 |
| Assets per employee ($millions) | 5.4149% | 2,783 |
| Cash dividends to net income (ytd only)* | 113.6364% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 2,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 77.7903% | 858 |
| Net loans and leases to deposits | 90.5706% | 1,218 |
| Net loans and leases to core deposits | 102.8707% | 989 |
| Total domestic deposits to total assets | 85.8891% | 2,118 |
| Equity capital to assets | 12.9709% | 1,194 |
| Core capital (leverage) ratio | 13.0203% | 944 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6393% | 956 |
| Memoranda: | ||
| Average total assets | $58,745,000 | 4,546 |
| Average earning assets | $56,058,750 | 4,512 |
| Average equity | $7,760,250 | 4,470 |
| Average total loans | $39,090,750 | 4,353 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8074% | 3,845 |
| Cost of funding earning assets | 0.8425% | 1,624 |
| Net interest margin | 2.9649% | 4,202 |
| Noninterest income to average assets | 0.2052% | 4,250 |
| Noninterest expense to average assets | 2.5619% | 2,792 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4720% | 4,081 |
| Return on assets (ROA) | 0.4720% | 4,148 |
| Pretax return on assets | 0.4720% | 4,297 |
| Return on Equity (ROE) | 3.5514% | 4,228 |
| Retained earnings to average equity (ytd only) | 1.8786% | 3,804 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4419% | 614 |
| Assets per employee ($millions) | 5.4073% | 2,730 |
| Cash dividends to net income (ytd only)* | 47.1014% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 69.2115% | 2,154 |
| Net loans and leases to deposits | 80.6785% | 2,354 |
| Net loans and leases to core deposits | 92.4208% | 1,871 |
| Total domestic deposits to total assets | 85.7868% | 2,098 |
| Equity capital to assets | 13.1406% | 1,105 |
| Core capital (leverage) ratio | 13.1773% | 953 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4727% | 852 |
| Memoranda: | ||
| Average total assets | $58,472,000 | 4,560 |
| Average earning assets | $55,786,667 | 4,534 |
| Average equity | $7,771,667 | 4,487 |
| Average total loans | $36,470,667 | 4,419 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7952% | 4,242 |
| Cost of funding earning assets | 0.7822% | 2,494 |
| Net interest margin | 3.0130% | 4,260 |
| Noninterest income to average assets | 0.2484% | 4,062 |
| Noninterest expense to average assets | 2.6497% | 2,838 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4692% | 3,972 |
| Return on assets (ROA) | 0.4692% | 4,027 |
| Pretax return on assets | 0.4692% | 4,172 |
| Return on Equity (ROE) | 3.5099% | 4,091 |
| Retained earnings to average equity (ytd only) | 1.1356% | 3,708 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9558% | 769 |
| Assets per employee ($millions) | 5.2524% | 2,372 |
| Cash dividends to net income (ytd only)* | 67.6471% | 1,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8934% | 615 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 55.5127% | 3,872 |
| Net loans and leases to deposits | 64.8949% | 3,930 |
| Net loans and leases to core deposits | 73.9435% | 3,637 |
| Total domestic deposits to total assets | 85.5424% | 2,196 |
| Equity capital to assets | 13.4329% | 1,249 |
| Core capital (leverage) ratio | 13.1102% | 1,165 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.9636% | 496 |
| Memoranda: | ||
| Average total assets | $57,968,000 | 4,581 |
| Average earning assets | $55,227,500 | 4,558 |
| Average equity | $7,749,500 | 4,514 |
| Average total loans | $33,813,000 | 4,507 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3161% | 3,492 |
| Cost of funding earning assets | 0.9574% | 1,921 |
| Net interest margin | 3.3587% | 3,856 |
| Noninterest income to average assets | 0.2411% | 4,233 |
| Noninterest expense to average assets | 2.3571% | 3,812 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0841% | 2,507 |
| Return on assets (ROA) | 1.0841% | 2,600 |
| Pretax return on assets | 1.0841% | 3,221 |
| Return on Equity (ROE) | 8.2927% | 3,043 |
| Retained earnings to average equity (ytd only) | 0.7222% | 4,484 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4958% | 2,389 |
| Assets per employee ($millions) | 5.2873% | 2,262 |
| Cash dividends to net income (ytd only)* | 91.2908% | 495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7719% | 695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 59.0010% | 3,673 |
| Net loans and leases to deposits | 68.8503% | 3,749 |
| Net loans and leases to core deposits | 77.4255% | 3,485 |
| Total domestic deposits to total assets | 85.6946% | 2,197 |
| Equity capital to assets | 13.3047% | 1,367 |
| Core capital (leverage) ratio | 13.5940% | 1,026 |
| Tier 1 risk-based capital ratio | 21.9263% | 1,035 |
| Total risk-based capital ratio | 23.1815% | 1,011 |
| Memoranda: | ||
| Average total assets | $59,310,200 | 4,607 |
| Average earning assets | $56,510,000 | 4,581 |
| Average equity | $7,753,800 | 4,536 |
| Average total loans | $35,065,000 | 4,534 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 3,300 |
| Cost of funding earning assets | 0.9125% | 2,170 |
| Net interest margin | 3.5023% | 3,555 |
| Noninterest income to average assets | 0.2461% | 4,265 |
| Noninterest expense to average assets | 2.2864% | 3,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2998% | 1,864 |
| Return on assets (ROA) | 1.2998% | 1,945 |
| Pretax return on assets | 1.2998% | 2,671 |
| Return on Equity (ROE) | 9.9855% | 2,436 |
| Retained earnings to average equity (ytd only) | 1.6155% | 4,396 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7555% | 3,050 |
| Assets per employee ($millions) | 5.1054% | 2,441 |
| Cash dividends to net income (ytd only)* | 83.8211% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9076% | 553 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 56.6801% | 4,000 |
| Net loans and leases to deposits | 66.6018% | 4,019 |
| Net loans and leases to core deposits | 75.6836% | 3,716 |
| Total domestic deposits to total assets | 85.1030% | 2,388 |
| Equity capital to assets | 13.8482% | 1,214 |
| Core capital (leverage) ratio | 13.7956% | 1,037 |
| Tier 1 risk-based capital ratio | 23.6909% | 874 |
| Total risk-based capital ratio | 24.9490% | 857 |
| Memoranda: | ||
| Average total assets | $59,597,750 | 4,666 |
| Average earning assets | $56,838,000 | 4,639 |
| Average equity | $7,757,750 | 4,593 |
| Average total loans | $35,097,750 | 4,592 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4215% | 3,274 |
| Cost of funding earning assets | 0.8609% | 2,347 |
| Net interest margin | 3.5606% | 3,397 |
| Noninterest income to average assets | 0.2667% | 4,154 |
| Noninterest expense to average assets | 2.1994% | 4,224 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4718% | 1,226 |
| Return on assets (ROA) | 1.4718% | 1,279 |
| Pretax return on assets | 1.4718% | 1,946 |
| Return on Equity (ROE) | 11.5335% | 1,766 |
| Retained earnings to average equity (ytd only) | 2.9672% | 3,730 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9103% | 3,739 |
| Assets per employee ($millions) | 5.2846% | 2,166 |
| Cash dividends to net income (ytd only)* | 74.2729% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 57.4048% | 3,969 |
| Net loans and leases to deposits | 67.0336% | 4,023 |
| Net loans and leases to core deposits | 74.4417% | 3,866 |
| Total domestic deposits to total assets | 85.6359% | 2,209 |
| Equity capital to assets | 13.4145% | 1,369 |
| Core capital (leverage) ratio | 13.0445% | 1,280 |
| Tier 1 risk-based capital ratio | 22.6502% | 977 |
| Total risk-based capital ratio | 23.9079% | 964 |
| Memoranda: | ||
| Average total assets | $60,744,000 | 4,682 |
| Average earning assets | $58,079,670 | 4,645 |
| Average equity | $7,751,330 | 4,617 |
| Average total loans | $35,980,330 | 4,591 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3457% | 3,418 |
| Cost of funding earning assets | 0.8085% | 2,485 |
| Net interest margin | 3.5372% | 3,475 |
| Noninterest income to average assets | 0.2965% | 3,893 |
| Noninterest expense to average assets | 2.1273% | 4,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5536% | 998 |
| Return on assets (ROA) | 1.5536% | 1,026 |
| Pretax return on assets | 1.5536% | 1,603 |
| Return on Equity (ROE) | 12.4741% | 1,390 |
| Retained earnings to average equity (ytd only) | 4.6584% | 3,057 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7933% | 4,110 |
| Assets per employee ($millions) | 5.7957% | 1,704 |
| Cash dividends to net income (ytd only)* | 62.6556% | 1,286 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8356% | 661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 51.9238% | 4,342 |
| Net loans and leases to deposits | 59.7010% | 4,429 |
| Net loans and leases to core deposits | 65.8412% | 4,287 |
| Total domestic deposits to total assets | 86.9732% | 1,828 |
| Equity capital to assets | 12.1924% | 1,909 |
| Core capital (leverage) ratio | 13.0247% | 1,264 |
| Tier 1 risk-based capital ratio | 22.1807% | 1,032 |
| Total risk-based capital ratio | 23.4363% | 1,009 |
| Memoranda: | ||
| Average total assets | $62,050,500 | 4,706 |
| Average earning assets | $59,369,000 | 4,667 |
| Average equity | $7,728,000 | 4,650 |
| Average total loans | $36,976,000 | 4,619 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1963% | 3,453 |
| Cost of funding earning assets | 0.7146% | 1,998 |
| Net interest margin | 3.4817% | 3,764 |
| Noninterest income to average assets | 0.2611% | 4,369 |
| Noninterest expense to average assets | 2.1955% | 4,349 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3859% | 1,476 |
| Return on assets (ROA) | 1.3859% | 1,472 |
| Pretax return on assets | 1.3859% | 2,188 |
| Return on Equity (ROE) | 11.1217% | 2,034 |
| Retained earnings to average equity (ytd only) | 2.4773% | 4,150 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3022% | 3,649 |
| Assets per employee ($millions) | 5.4862% | 1,967 |
| Cash dividends to net income (ytd only)* | 77.7251% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5387% | 1,178 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 65.6376% | 3,180 |
| Net loans and leases to deposits | 75.9501% | 3,352 |
| Net loans and leases to core deposits | 84.2321% | 3,063 |
| Total domestic deposits to total assets | 86.4221% | 2,045 |
| Equity capital to assets | 12.7312% | 1,470 |
| Core capital (leverage) ratio | 13.4112% | 1,101 |
| Tier 1 risk-based capital ratio | 19.6185% | 1,381 |
| Total risk-based capital ratio | 20.8723% | 1,350 |
| Memoranda: | ||
| Average total assets | $60,898,000 | 4,745 |
| Average earning assets | $58,075,600 | 4,705 |
| Average equity | $7,588,800 | 4,664 |
| Average total loans | $39,815,200 | 4,556 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0888% | 3,674 |
| Cost of funding earning assets | 0.6895% | 1,908 |
| Net interest margin | 3.3993% | 4,006 |
| Noninterest income to average assets | 0.2512% | 4,472 |
| Noninterest expense to average assets | 2.0905% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4024% | 1,481 |
| Return on assets (ROA) | 1.4024% | 1,480 |
| Pretax return on assets | 1.4024% | 2,220 |
| Return on Equity (ROE) | 11.3146% | 2,048 |
| Retained earnings to average equity (ytd only) | 2.5731% | 4,377 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8499% | 3,834 |
| Assets per employee ($millions) | 5.1946% | 2,224 |
| Cash dividends to net income (ytd only)* | 77.2588% | 641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 1,357 |
| Loan loss allowance to noncurrent loans | 3,868.7500% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 4,847 |
| Noncurrent loans to loans | 0.0387% | 4,723 |
| Net loans and leases to total assets | 71.3026% | 2,447 |
| Net loans and leases to deposits | 83.1744% | 2,689 |
| Net loans and leases to core deposits | 92.8256% | 2,404 |
| Total domestic deposits to total assets | 85.7265% | 2,314 |
| Equity capital to assets | 13.3722% | 1,180 |
| Core capital (leverage) ratio | 13.1546% | 1,225 |
| Tier 1 risk-based capital ratio | 19.4259% | 1,447 |
| Total risk-based capital ratio | 20.6793% | 1,419 |
| Memoranda: | ||
| Average total assets | $61,035,500 | 4,792 |
| Average earning assets | $58,206,000 | 4,756 |
| Average equity | $7,565,250 | 4,718 |
| Average total loans | $39,711,500 | 4,604 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9121% | 4,043 |
| Cost of funding earning assets | 0.6487% | 1,931 |
| Net interest margin | 3.2634% | 4,351 |
| Noninterest income to average assets | 0.2406% | 4,573 |
| Noninterest expense to average assets | 1.9797% | 4,835 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3765% | 1,516 |
| Return on assets (ROA) | 1.3765% | 1,521 |
| Pretax return on assets | 1.3765% | 2,240 |
| Return on Equity (ROE) | 11.3793% | 1,961 |
| Retained earnings to average equity (ytd only) | 2.4668% | 4,278 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9866% | 4,087 |
| Assets per employee ($millions) | 5.4558% | 1,934 |
| Cash dividends to net income (ytd only)* | 78.3217% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6060% | 1,095 |
| 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 | 63.1919% | 3,491 |
| Net loans and leases to deposits | 73.0038% | 3,631 |
| Net loans and leases to core deposits | 81.3540% | 3,296 |
| Total domestic deposits to total assets | 86.5598% | 2,029 |
| Equity capital to assets | 12.6421% | 1,467 |
| Core capital (leverage) ratio | 12.2988% | 1,541 |
| Tier 1 risk-based capital ratio | 19.6702% | 1,387 |
| Total risk-based capital ratio | 20.9250% | 1,354 |
| Memoranda: | ||
| Average total assets | $62,333,670 | 4,820 |
| Average earning assets | $59,508,000 | 4,779 |
| Average equity | $7,540,000 | 4,767 |
| Average total loans | $39,161,330 | 4,666 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7519% | 4,350 |
| Cost of funding earning assets | 0.5945% | 2,094 |
| Net interest margin | 3.1574% | 4,585 |
| Noninterest income to average assets | 0.2646% | 4,411 |
| Noninterest expense to average assets | 1.9089% | 5,007 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3671% | 1,432 |
| Return on assets (ROA) | 1.3671% | 1,446 |
| Pretax return on assets | 1.3671% | 2,118 |
| Return on Equity (ROE) | 11.5479% | 1,746 |
| Retained earnings to average equity (ytd only) | 2.2883% | 4,249 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2692% | 4,308 |
| Assets per employee ($millions) | 6.4175% | 1,248 |
| Cash dividends to net income (ytd only)* | 80.1843% | 836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7107% | 926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 55.4203% | 4,168 |
| Net loans and leases to deposits | 63.3072% | 4,253 |
| Net loans and leases to core deposits | 69.9072% | 4,086 |
| Total domestic deposits to total assets | 87.5419% | 1,876 |
| Equity capital to assets | 11.7460% | 1,956 |
| Core capital (leverage) ratio | 11.6821% | 1,870 |
| Tier 1 risk-based capital ratio | 19.6594% | 1,404 |
| Total risk-based capital ratio | 20.9139% | 1,369 |
| Memoranda: | ||
| Average total assets | $63,493,500 | 4,862 |
| Average earning assets | $60,556,000 | 4,811 |
| Average equity | $7,516,500 | 4,819 |
| Average total loans | $39,470,500 | 4,702 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1535% | 2,866 |
| Cost of funding earning assets | 0.5181% | 2,193 |
| Net interest margin | 3.6354% | 3,041 |
| Noninterest income to average assets | 0.2321% | 4,746 |
| Noninterest expense to average assets | 2.0787% | 4,813 |
| Loan and lease loss provision to assets | 0.0081% | 4,104 |
| Net operating income to assets | 1.6292% | 615 |
| Return on assets (ROA) | 1.6309% | 634 |
| Pretax return on assets | 1.6309% | 1,219 |
| Return on Equity (ROE) | 13.6050% | 829 |
| Retained earnings to average equity (ytd only) | 3.1271% | 3,426 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9389% | 4,773 |
| Assets per employee ($millions) | 6.2812% | 1,334 |
| Cash dividends to net income (ytd only)* | 77.0149% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4478% | 1,590 |
| Loan loss allowance to noncurrent loans | 111.3309% | 3,337 |
| Noncurrent assets plus other real estate owned to assets | 0.8852% | 1,758 |
| Noncurrent loans to loans | 1.3004% | 1,343 |
| Net loans and leases to total assets | 67.0843% | 2,953 |
| Net loans and leases to deposits | 76.7984% | 3,250 |
| Net loans and leases to core deposits | 85.3926% | 2,954 |
| Total domestic deposits to total assets | 87.3511% | 1,837 |
| Equity capital to assets | 11.9324% | 1,879 |
| Core capital (leverage) ratio | 12.5263% | 1,340 |
| Tier 1 risk-based capital ratio | 17.5841% | 1,924 |
| Total risk-based capital ratio | 18.8371% | 1,871 |
| Memoranda: | ||
| Average total assets | $61,624,200 | 4,931 |
| Average earning assets | $59,058,200 | 4,879 |
| Average equity | $7,387,000 | 4,881 |
| Average total loans | $46,547,400 | 4,551 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 2,805 |
| Cost of funding earning assets | 0.5144% | 2,154 |
| Net interest margin | 3.6326% | 3,034 |
| Noninterest income to average assets | 0.2305% | 4,833 |
| Noninterest expense to average assets | 2.0241% | 4,902 |
| Loan and lease loss provision to assets | 0.0109% | 3,923 |
| Net operating income to assets | 1.6806% | 602 |
| Return on assets (ROA) | 1.6827% | 615 |
| Pretax return on assets | 1.6827% | 1,165 |
| Return on Equity (ROE) | 14.0213% | 828 |
| Retained earnings to average equity (ytd only) | 3.5868% | 3,782 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4763% | 4,901 |
| Assets per employee ($millions) | 5.7743% | 1,670 |
| Cash dividends to net income (ytd only)* | 74.4188% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,395 |
| Loan loss allowance to noncurrent loans | 97.4803% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 1,514 |
| Noncurrent loans to loans | 1.3252% | 1,438 |
| Net loans and leases to total assets | 81.9130% | 708 |
| Net loans and leases to deposits | 94.9207% | 1,206 |
| Net loans and leases to core deposits | 104.9550% | 1,337 |
| Total domestic deposits to total assets | 86.2962% | 2,182 |
| Equity capital to assets | 12.9245% | 1,429 |
| Core capital (leverage) ratio | 12.8051% | 1,287 |
| Tier 1 risk-based capital ratio | 16.2790% | 2,386 |
| Total risk-based capital ratio | 17.5292% | 2,345 |
| Memoranda: | ||
| Average total assets | $61,327,250 | 4,990 |
| Average earning assets | $58,836,000 | 4,938 |
| Average equity | $7,360,000 | 4,932 |
| Average total loans | $47,495,250 | 4,568 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,242 |
| Cost of funding earning assets | 0.5004% | 2,159 |
| Net interest margin | 3.4891% | 3,447 |
| Noninterest income to average assets | 0.2271% | 4,887 |
| Noninterest expense to average assets | 1.9289% | 5,128 |
| Loan and lease loss provision to assets | 0.0160% | 3,637 |
| Net operating income to assets | 1.6282% | 655 |
| Return on assets (ROA) | 1.6314% | 671 |
| Pretax return on assets | 1.6314% | 1,248 |
| Return on Equity (ROE) | 13.9236% | 822 |
| Retained earnings to average equity (ytd only) | 3.4127% | 3,681 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9839% | 5,022 |
| Assets per employee ($millions) | 6.0685% | 1,404 |
| Cash dividends to net income (ytd only)* | 75.4902% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3047% | 2,389 |
| Loan loss allowance to noncurrent loans | 92.5262% | 3,699 |
| Noncurrent assets plus other real estate owned to assets | 1.1024% | 1,581 |
| Noncurrent loans to loans | 1.4101% | 1,359 |
| Net loans and leases to total assets | 77.1607% | 1,370 |
| Net loans and leases to deposits | 88.5596% | 1,920 |
| Net loans and leases to core deposits | 98.8349% | 1,744 |
| Total domestic deposits to total assets | 87.1286% | 1,894 |
| Equity capital to assets | 12.1727% | 1,814 |
| Core capital (leverage) ratio | 11.8574% | 1,724 |
| Tier 1 risk-based capital ratio | 15.9173% | 2,537 |
| Total risk-based capital ratio | 17.1690% | 2,477 |
| Memoranda: | ||
| Average total assets | $62,522,000 | 5,007 |
| Average earning assets | $59,958,000 | 4,949 |
| Average equity | $7,325,670 | 4,961 |
| Average total loans | $47,354,330 | 4,601 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9341% | 3,263 |
| Cost of funding earning assets | 0.4803% | 2,246 |
| Net interest margin | 3.4539% | 3,435 |
| Noninterest income to average assets | 0.2522% | 4,732 |
| Noninterest expense to average assets | 1.9231% | 5,195 |
| Loan and lease loss provision to assets | 0.0315% | 3,153 |
| Net operating income to assets | 1.6078% | 667 |
| Return on assets (ROA) | 1.6078% | 685 |
| Pretax return on assets | 1.6078% | 1,214 |
| Return on Equity (ROE) | 13.9822% | 813 |
| Retained earnings to average equity (ytd only) | 3.3996% | 3,740 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9823% | 5,126 |
| Assets per employee ($millions) | 6.5451% | 1,163 |
| Cash dividends to net income (ytd only)* | 75.6863% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3603% | 2,260 |
| Loan loss allowance to noncurrent loans | 651.5789% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 4,682 |
| Noncurrent loans to loans | 0.2088% | 4,367 |
| Net loans and leases to total assets | 68.5765% | 2,593 |
| Net loans and leases to deposits | 77.7656% | 3,002 |
| Net loans and leases to core deposits | 85.1059% | 2,803 |
| Total domestic deposits to total assets | 88.1835% | 1,601 |
| Equity capital to assets | 11.1931% | 2,437 |
| Core capital (leverage) ratio | 11.1585% | 2,228 |
| Tier 1 risk-based capital ratio | 15.5576% | 2,728 |
| Total risk-based capital ratio | 16.8086% | 2,659 |
| Memoranda: | ||
| Average total assets | $63,440,500 | 5,042 |
| Average earning assets | $60,801,000 | 4,976 |
| Average equity | $7,295,000 | 5,003 |
| Average total loans | $47,309,500 | 4,642 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9980% | 3,203 |
| Cost of funding earning assets | 0.6370% | 1,127 |
| Net interest margin | 3.3610% | 3,957 |
| Noninterest income to average assets | 0.2731% | 4,783 |
| Noninterest expense to average assets | 2.0071% | 5,171 |
| Loan and lease loss provision to assets | 0.0970% | 2,429 |
| Net operating income to assets | 1.3833% | 1,040 |
| Return on assets (ROA) | 1.3785% | 1,098 |
| Pretax return on assets | 1.3785% | 2,018 |
| Return on Equity (ROE) | 12.0039% | 1,246 |
| Retained earnings to average equity (ytd only) | 4.6158% | 2,627 |
| Net charge-offs to loans | -0.0021% | 4,702 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5533% | 4,902 |
| Assets per employee ($millions) | 6.1430% | 1,376 |
| Cash dividends to net income (ytd only)* | 61.5475% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 2,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.9549% | 1,049 |
| Net loans and leases to deposits | 90.2161% | 1,656 |
| Net loans and leases to core deposits | 100.2501% | 1,600 |
| Total domestic deposits to total assets | 87.5175% | 1,867 |
| Equity capital to assets | 11.8248% | 1,918 |
| Core capital (leverage) ratio | 12.0544% | 1,563 |
| Tier 1 risk-based capital ratio | 14.6175% | 3,139 |
| Total risk-based capital ratio | 15.8532% | 3,085 |
| Memoranda: | ||
| Average total assets | $61,879,600 | 5,093 |
| Average earning assets | $59,179,200 | 5,042 |
| Average equity | $7,106,000 | 5,076 |
| Average total loans | $47,883,200 | 4,637 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8956% | 3,602 |
| Cost of funding earning assets | 0.6639% | 985 |
| Net interest margin | 3.2317% | 4,397 |
| Noninterest income to average assets | 0.2817% | 4,750 |
| Noninterest expense to average assets | 1.9938% | 5,218 |
| Loan and lease loss provision to assets | 0.0968% | 2,290 |
| Net operating income to assets | 1.2797% | 1,352 |
| Return on assets (ROA) | 1.2797% | 1,456 |
| Pretax return on assets | 1.2797% | 2,501 |
| Return on Equity (ROE) | 11.2263% | 1,583 |
| Retained earnings to average equity (ytd only) | 4.4340% | 3,174 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1576% | 4,670 |
| Assets per employee ($millions) | 6.8137% | 954 |
| Cash dividends to net income (ytd only)* | 60.5047% | 1,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 3,752 |
| 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 | 86.4162% | 224 |
| Net loans and leases to deposits | 103.9303% | 461 |
| Net loans and leases to core deposits | 119.2489% | 530 |
| Total domestic deposits to total assets | 83.1482% | 3,528 |
| Equity capital to assets | 11.7036% | 2,353 |
| Core capital (leverage) ratio | 11.8089% | 1,805 |
| Tier 1 risk-based capital ratio | 13.5693% | 3,821 |
| Total risk-based capital ratio | 14.7010% | 3,801 |
| Memoranda: | ||
| Average total assets | $61,992,000 | 5,142 |
| Average earning assets | $59,244,250 | 5,085 |
| Average equity | $7,066,500 | 5,129 |
| Average total loans | $47,575,000 | 4,679 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 3,998 |
| Cost of funding earning assets | 0.6581% | 1,009 |
| Net interest margin | 3.1295% | 4,752 |
| Noninterest income to average assets | 0.3183% | 4,503 |
| Noninterest expense to average assets | 2.0124% | 5,246 |
| Loan and lease loss provision to assets | 0.0964% | 2,228 |
| Net operating income to assets | 1.2055% | 1,578 |
| Return on assets (ROA) | 1.2055% | 1,677 |
| Pretax return on assets | 1.2055% | 2,763 |
| Return on Equity (ROE) | 10.6691% | 1,777 |
| Retained earnings to average equity (ytd only) | 3.9547% | 3,383 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7177% | 4,550 |
| Assets per employee ($millions) | 6.1621% | 1,293 |
| Cash dividends to net income (ytd only)* | 62.9333% | 1,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 2,705 |
| Loan loss allowance to noncurrent loans | 147.9695% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 0.6897% | 2,915 |
| Noncurrent loans to loans | 0.8887% | 2,511 |
| Net loans and leases to total assets | 71.0018% | 2,327 |
| Net loans and leases to deposits | 80.7948% | 2,843 |
| Net loans and leases to core deposits | 93.1131% | 2,248 |
| Total domestic deposits to total assets | 87.8791% | 1,491 |
| Equity capital to assets | 11.4993% | 2,552 |
| Core capital (leverage) ratio | 11.5088% | 1,988 |
| Tier 1 risk-based capital ratio | 14.8892% | 3,125 |
| Total risk-based capital ratio | 16.1163% | 3,071 |
| Memoranda: | ||
| Average total assets | $62,215,000 | 5,196 |
| Average earning assets | $59,562,670 | 5,126 |
| Average equity | $7,029,670 | 5,186 |
| Average total loans | $45,569,670 | 4,785 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8741% | 3,685 |
| Cost of funding earning assets | 0.6569% | 1,020 |
| Net interest margin | 3.2173% | 4,523 |
| Noninterest income to average assets | 0.4095% | 3,757 |
| Noninterest expense to average assets | 2.0476% | 5,228 |
| Loan and lease loss provision to assets | 0.0960% | 2,091 |
| Net operating income to assets | 1.3373% | 1,163 |
| Return on assets (ROA) | 1.3373% | 1,247 |
| Pretax return on assets | 1.3373% | 2,146 |
| Return on Equity (ROE) | 11.9403% | 1,331 |
| Retained earnings to average equity (ytd only) | 7.4270% | 1,696 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8235% | 4,900 |
| Assets per employee ($millions) | 5.7945% | 1,585 |
| Cash dividends to net income (ytd only)* | 37.7990% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2778% | 3,015 |
| Loan loss allowance to noncurrent loans | 144.1624% | 2,843 |
| Noncurrent assets plus other real estate owned to assets | 0.6668% | 3,059 |
| Noncurrent loans to loans | 0.8863% | 2,626 |
| Net loans and leases to total assets | 68.8495% | 2,522 |
| Net loans and leases to deposits | 78.1619% | 2,993 |
| Net loans and leases to core deposits | 89.0142% | 2,457 |
| Total domestic deposits to total assets | 88.0858% | 1,598 |
| Equity capital to assets | 11.0843% | 2,843 |
| Core capital (leverage) ratio | 11.2139% | 2,214 |
| Tier 1 risk-based capital ratio | 14.4959% | 3,398 |
| Total risk-based capital ratio | 15.6613% | 3,376 |
| Memoranda: | ||
| Average total assets | $62,512,000 | 5,236 |
| Average earning assets | $59,678,000 | 5,170 |
| Average equity | $7,001,500 | 5,231 |
| Average total loans | $46,187,000 | 4,804 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3114% | 5,328 |
| Cost of funding earning assets | 0.7006% | 823 |
| Net interest margin | 2.6107% | 5,745 |
| Noninterest income to average assets | 0.2465% | 5,121 |
| Noninterest expense to average assets | 1.9078% | 5,606 |
| Loan and lease loss provision to assets | 0.0936% | 2,442 |
| Net operating income to assets | 0.7503% | 3,568 |
| Return on assets (ROA) | 0.7503% | 3,663 |
| Pretax return on assets | 0.7503% | 4,364 |
| Return on Equity (ROE) | 6.8884% | 3,571 |
| Retained earnings to average equity (ytd only) | 0.9738% | 5,130 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3311% | 3,339 |
| Assets per employee ($millions) | 5.5714% | 1,721 |
| Cash dividends to net income (ytd only)* | 85.8628% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1540% | 3,733 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0506% | 5,476 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 77.2930% | 1,211 |
| Net loans and leases to deposits | 87.7545% | 1,910 |
| Net loans and leases to core deposits | 101.1639% | 1,431 |
| Total domestic deposits to total assets | 88.0786% | 1,585 |
| Equity capital to assets | 11.3209% | 2,524 |
| Core capital (leverage) ratio | 11.4093% | 2,036 |
| Tier 1 risk-based capital ratio | 13.7545% | 3,853 |
| Total risk-based capital ratio | 14.8512% | 3,881 |
| Memoranda: | ||
| Average total assets | $64,105,000 | 5,221 |
| Average earning assets | $61,515,200 | 5,144 |
| Average equity | $6,982,800 | 5,247 |
| Average total loans | $42,425,200 | 4,919 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2404% | 5,524 |
| Cost of funding earning assets | 0.7037% | 824 |
| Net interest margin | 2.5367% | 5,892 |
| Noninterest income to average assets | 0.2530% | 5,128 |
| Noninterest expense to average assets | 1.8268% | 5,744 |
| Loan and lease loss provision to assets | 0.0926% | 2,315 |
| Net operating income to assets | 0.7735% | 3,562 |
| Return on assets (ROA) | 0.7735% | 3,653 |
| Pretax return on assets | 0.7735% | 4,410 |
| Return on Equity (ROE) | 7.1679% | 3,535 |
| Retained earnings to average equity (ytd only) | 1.0675% | 5,292 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8380% | 3,577 |
| Assets per employee ($millions) | 5.6450% | 1,641 |
| Cash dividends to net income (ytd only)* | 85.1073% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 3,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0499% | 5,577 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 65.2919% | 3,113 |
| Net loans and leases to deposits | 74.1202% | 3,535 |
| Net loans and leases to core deposits | 85.2693% | 2,924 |
| Total domestic deposits to total assets | 88.0892% | 1,510 |
| Equity capital to assets | 11.3165% | 2,686 |
| Core capital (leverage) ratio | 11.0245% | 2,461 |
| Tier 1 risk-based capital ratio | 15.1932% | 3,193 |
| Total risk-based capital ratio | 16.3584% | 3,179 |
| Memoranda: | ||
| Average total assets | $64,810,000 | 5,272 |
| Average earning assets | $62,335,750 | 5,186 |
| Average equity | $6,994,000 | 5,312 |
| Average total loans | $41,051,000 | 5,021 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1517% | 5,685 |
| Cost of funding earning assets | 0.7081% | 807 |
| Net interest margin | 2.4436% | 6,007 |
| Noninterest income to average assets | 0.2800% | 4,948 |
| Noninterest expense to average assets | 1.7743% | 5,884 |
| Loan and lease loss provision to assets | 0.0913% | 2,293 |
| Net operating income to assets | 0.7669% | 3,549 |
| Return on assets (ROA) | 0.7669% | 3,653 |
| Pretax return on assets | 0.7669% | 4,431 |
| Return on Equity (ROE) | 7.2175% | 3,474 |
| Retained earnings to average equity (ytd only) | 0.4869% | 5,357 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3988% | 3,768 |
| Assets per employee ($millions) | 6.5802% | 1,019 |
| Cash dividends to net income (ytd only)* | 93.2540% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 2,948 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 5,669 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.7718% | 4,129 |
| Net loans and leases to deposits | 65.0196% | 4,437 |
| Net loans and leases to core deposits | 74.3105% | 3,932 |
| Total domestic deposits to total assets | 88.8529% | 1,218 |
| Equity capital to assets | 10.6182% | 3,302 |
| Core capital (leverage) ratio | 10.4455% | 3,032 |
| Tier 1 risk-based capital ratio | 15.4009% | 3,164 |
| Total risk-based capital ratio | 16.5555% | 3,136 |
| Memoranda: | ||
| Average total assets | $65,715,000 | 5,314 |
| Average earning assets | $63,267,670 | 5,214 |
| Average equity | $6,983,000 | 5,363 |
| Average total loans | $41,041,000 | 5,068 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1806% | 5,676 |
| Cost of funding earning assets | 0.7461% | 673 |
| Net interest margin | 2.4344% | 6,079 |
| Noninterest income to average assets | 0.3715% | 4,235 |
| Noninterest expense to average assets | 1.7785% | 5,927 |
| Loan and lease loss provision to assets | 0.0914% | 2,169 |
| Net operating income to assets | 0.8466% | 3,022 |
| Return on assets (ROA) | 0.8466% | 3,144 |
| Pretax return on assets | 0.8466% | 4,073 |
| Return on Equity (ROE) | 7.9645% | 2,975 |
| Retained earnings to average equity (ytd only) | 0.4584% | 5,230 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4709% | 4,246 |
| Assets per employee ($millions) | 6.6709% | 985 |
| Cash dividends to net income (ytd only)* | 94.2446% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3073% | 3,363 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 5,752 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 57.4900% | 4,027 |
| Net loans and leases to deposits | 64.5814% | 4,308 |
| Net loans and leases to core deposits | 73.7207% | 3,806 |
| Total domestic deposits to total assets | 89.0195% | 1,254 |
| Equity capital to assets | 10.4709% | 3,562 |
| Core capital (leverage) ratio | 10.2269% | 3,311 |
| Tier 1 risk-based capital ratio | 14.8484% | 3,510 |
| Total risk-based capital ratio | 15.9310% | 3,537 |
| Memoranda: | ||
| Average total assets | $65,671,500 | 5,360 |
| Average earning assets | $63,259,000 | 5,268 |
| Average equity | $6,981,000 | 5,405 |
| Average total loans | $42,292,500 | 5,057 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4429% | 5,442 |
| Cost of funding earning assets | 0.8110% | 618 |
| Net interest margin | 2.6319% | 6,031 |
| Noninterest income to average assets | 0.2255% | 5,512 |
| Noninterest expense to average assets | 1.7192% | 6,138 |
| Loan and lease loss provision to assets | 0.0927% | 2,619 |
| Net operating income to assets | 0.9299% | 2,727 |
| Return on assets (ROA) | 0.9299% | 2,816 |
| Pretax return on assets | 0.9299% | 3,781 |
| Return on Equity (ROE) | 8.7363% | 2,713 |
| Retained earnings to average equity (ytd only) | 1.7705% | 4,928 |
| Net charge-offs to loans | 0.0093% | 4,724 |
| Credit loss provision to net charge-offs | 1,500.0000% | 191 |
| Earnings coverage of net charge-offs (x) | 165.5000% | 324 |
| Efficiency ratio | 62.7042% | 4,796 |
| Assets per employee ($millions) | 6.4634% | 1,071 |
| Cash dividends to net income (ytd only)* | 79.7342% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 4,649 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 5,839 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 69.9833% | 2,241 |
| Net loans and leases to deposits | 78.9214% | 2,848 |
| Net loans and leases to core deposits | 89.5153% | 2,333 |
| Total domestic deposits to total assets | 88.6747% | 1,428 |
| Equity capital to assets | 10.7946% | 3,124 |
| Core capital (leverage) ratio | 11.2786% | 2,157 |
| Tier 1 risk-based capital ratio | 13.7010% | 4,297 |
| Total risk-based capital ratio | 14.6716% | 4,396 |
| Memoranda: | ||
| Average total assets | $64,739,800 | 5,429 |
| Average earning assets | $61,895,400 | 5,345 |
| Average equity | $6,890,800 | 5,442 |
| Average total loans | $43,197,000 | 5,061 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3593% | 5,656 |
| Cost of funding earning assets | 0.8199% | 624 |
| Net interest margin | 2.5394% | 6,197 |
| Noninterest income to average assets | 0.2203% | 5,614 |
| Noninterest expense to average assets | 1.6716% | 6,228 |
| Loan and lease loss provision to assets | 0.0926% | 2,504 |
| Net operating income to assets | 0.8790% | 3,026 |
| Return on assets (ROA) | 0.8790% | 3,121 |
| Pretax return on assets | 0.8790% | 4,079 |
| Return on Equity (ROE) | 8.2879% | 3,046 |
| Retained earnings to average equity (ytd only) | 0.9899% | 5,489 |
| Net charge-offs to loans | 0.0125% | 4,308 |
| Credit loss provision to net charge-offs | 1,125.0000% | 299 |
| Earnings coverage of net charge-offs (x) | 118.0713% | 502 |
| Efficiency ratio | 63.2399% | 4,678 |
| Assets per employee ($millions) | 6.0994% | 1,266 |
| Cash dividends to net income (ytd only)* | 88.0559% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 4,767 |
| Loan loss allowance to noncurrent loans | 9,560.0000% | 77 |
| Noncurrent assets plus other real estate owned to assets | 0.2377% | 5,264 |
| Noncurrent loans to loans | 0.0115% | 5,988 |
| Net loans and leases to total assets | 70.6922% | 2,080 |
| Net loans and leases to deposits | 80.2389% | 2,658 |
| Net loans and leases to core deposits | 92.3377% | 2,004 |
| Total domestic deposits to total assets | 88.1021% | 1,710 |
| Equity capital to assets | 11.3339% | 2,641 |
| Core capital (leverage) ratio | 10.9467% | 2,541 |
| Tier 1 risk-based capital ratio | 13.8844% | 4,301 |
| Total risk-based capital ratio | 14.8477% | 4,422 |
| Memoranda: | ||
| Average total assets | $64,766,250 | 5,490 |
| Average earning assets | $61,797,750 | 5,409 |
| Average equity | $6,869,250 | 5,497 |
| Average total loans | $42,564,750 | 5,140 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2621% | 5,852 |
| Cost of funding earning assets | 0.7791% | 791 |
| Net interest margin | 2.4830% | 6,297 |
| Noninterest income to average assets | 0.2211% | 5,623 |
| Noninterest expense to average assets | 1.6358% | 6,331 |
| Loan and lease loss provision to assets | 0.0909% | 2,507 |
| Net operating income to assets | 0.8694% | 2,959 |
| Return on assets (ROA) | 0.8694% | 3,051 |
| Pretax return on assets | 0.8694% | 4,000 |
| Return on Equity (ROE) | 8.3739% | 2,908 |
| Retained earnings to average equity (ytd only) | 0.4085% | 5,574 |
| Net charge-offs to loans | 0.0189% | 3,837 |
| Credit loss provision to net charge-offs | 750.0000% | 421 |
| Earnings coverage of net charge-offs (x) | 79.2500% | 670 |
| Efficiency ratio | 63.0105% | 4,857 |
| Assets per employee ($millions) | 6.3860% | 1,069 |
| Cash dividends to net income (ytd only)* | 95.1220% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0786% | 4,993 |
| Loan loss allowance to noncurrent loans | 91.5020% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.0116% | 3,043 |
| Noncurrent loans to loans | 1.1788% | 2,879 |
| Net loans and leases to total assets | 66.4923% | 2,673 |
| Net loans and leases to deposits | 74.9312% | 3,202 |
| Net loans and leases to core deposits | 86.0792% | 2,507 |
| Total domestic deposits to total assets | 88.7379% | 1,509 |
| Equity capital to assets | 10.7563% | 3,140 |
| Core capital (leverage) ratio | 10.7014% | 2,722 |
| Tier 1 risk-based capital ratio | 13.5156% | 4,565 |
| Total risk-based capital ratio | 14.4289% | 4,735 |
| Memoranda: | ||
| Average total assets | $66,023,670 | 5,507 |
| Average earning assets | $63,149,670 | 5,415 |
| Average equity | $6,854,670 | 5,524 |
| Average total loans | $42,221,000 | 5,192 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2651% | 5,908 |
| Cost of funding earning assets | 0.7741% | 864 |
| Net interest margin | 2.4909% | 6,340 |
| Noninterest income to average assets | 0.2384% | 5,455 |
| Noninterest expense to average assets | 1.6332% | 6,407 |
| Loan and lease loss provision to assets | 0.0894% | 2,425 |
| Net operating income to assets | 0.8941% | 2,683 |
| Return on assets (ROA) | 0.8941% | 2,743 |
| Pretax return on assets | 0.8941% | 3,716 |
| Return on Equity (ROE) | 8.7623% | 2,564 |
| Retained earnings to average equity (ytd only) | -0.5842% | 5,660 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4146% | 5,071 |
| Assets per employee ($millions) | 6.5328% | 1,004 |
| Cash dividends to net income (ytd only)* | 106.6667% | 609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1018% | 5,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 62.1020% | 3,227 |
| Net loans and leases to deposits | 69.7379% | 3,637 |
| Net loans and leases to core deposits | 79.3887% | 3,045 |
| Total domestic deposits to total assets | 89.0506% | 1,626 |
| Equity capital to assets | 10.4779% | 3,264 |
| Core capital (leverage) ratio | 10.2401% | 3,234 |
| Tier 1 risk-based capital ratio | 13.8502% | 4,435 |
| Total risk-based capital ratio | 14.7670% | 4,609 |
| Memoranda: | ||
| Average total assets | $67,105,500 | 5,530 |
| Average earning assets | $64,072,500 | 5,439 |
| Average equity | $6,847,500 | 5,557 |
| Average total loans | $41,869,000 | 5,247 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 5,412 |
| Cost of funding earning assets | 0.8393% | 1,000 |
| Net interest margin | 2.7566% | 6,052 |
| Noninterest income to average assets | 0.2188% | 5,769 |
| Noninterest expense to average assets | 1.7580% | 6,381 |
| Loan and lease loss provision to assets | 0.0924% | 3,260 |
| Net operating income to assets | 1.0200% | 2,247 |
| Return on assets (ROA) | 1.0292% | 2,265 |
| Pretax return on assets | 1.0292% | 3,231 |
| Return on Equity (ROE) | 10.0590% | 2,090 |
| Retained earnings to average equity (ytd only) | 4.9241% | 2,650 |
| Net charge-offs to loans | 0.0023% | 5,434 |
| Credit loss provision to net charge-offs | 6,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 722.0000% | 54 |
| Efficiency ratio | 61.2453% | 5,323 |
| Assets per employee ($millions) | 6.8883% | 810 |
| Cash dividends to net income (ytd only)* | 51.0479% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0230% | 5,447 |
| Loan loss allowance to noncurrent loans | 21,850.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 6,440 |
| Noncurrent loans to loans | 0.0047% | 6,292 |
| Net loans and leases to total assets | 61.3780% | 3,469 |
| Net loans and leases to deposits | 68.4980% | 3,973 |
| Net loans and leases to core deposits | 77.1149% | 3,474 |
| Total domestic deposits to total assets | 89.6056% | 1,274 |
| Equity capital to assets | 9.9444% | 3,844 |
| Core capital (leverage) ratio | 11.0749% | 2,320 |
| Tier 1 risk-based capital ratio | 13.3328% | 4,763 |
| Total risk-based capital ratio | 14.1849% | 4,976 |
| Memoranda: | ||
| Average total assets | $64,905,000 | 5,624 |
| Average earning assets | $62,431,000 | 5,526 |
| Average equity | $6,640,800 | 5,663 |
| Average total loans | $44,120,600 | 5,184 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5779% | 5,505 |
| Cost of funding earning assets | 0.8598% | 991 |
| Net interest margin | 2.7182% | 6,142 |
| Noninterest income to average assets | 0.2191% | 5,861 |
| Noninterest expense to average assets | 1.7900% | 6,354 |
| Loan and lease loss provision to assets | 0.0939% | 3,198 |
| Net operating income to assets | 0.9471% | 2,610 |
| Return on assets (ROA) | 0.9471% | 2,715 |
| Pretax return on assets | 0.9471% | 3,701 |
| Return on Equity (ROE) | 9.1875% | 2,549 |
| Retained earnings to average equity (ytd only) | 2.2867% | 4,957 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2277% | 4,940 |
| Assets per employee ($millions) | 5.9805% | 1,255 |
| Cash dividends to net income (ytd only)* | 75.1107% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9772% | 5,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 71.6729% | 1,653 |
| Net loans and leases to deposits | 81.2511% | 2,237 |
| Net loans and leases to core deposits | 93.4324% | 1,627 |
| Total domestic deposits to total assets | 88.2117% | 1,994 |
| Equity capital to assets | 11.0910% | 2,678 |
| Core capital (leverage) ratio | 10.8733% | 2,598 |
| Tier 1 risk-based capital ratio | 13.1606% | 5,010 |
| Total risk-based capital ratio | 14.0010% | 5,232 |
| Memoranda: | ||
| Average total assets | $63,910,500 | 5,710 |
| Average earning assets | $61,412,000 | 5,615 |
| Average equity | $6,588,500 | 5,742 |
| Average total loans | $44,471,750 | 5,224 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5115% | 5,670 |
| Cost of funding earning assets | 0.8476% | 1,149 |
| Net interest margin | 2.6639% | 6,234 |
| Noninterest income to average assets | 0.2175% | 5,880 |
| Noninterest expense to average assets | 1.7341% | 6,463 |
| Loan and lease loss provision to assets | 0.0919% | 3,250 |
| Net operating income to assets | 0.9528% | 2,556 |
| Return on assets (ROA) | 0.9528% | 2,702 |
| Pretax return on assets | 0.9528% | 3,706 |
| Return on Equity (ROE) | 9.4620% | 2,431 |
| Retained earnings to average equity (ytd only) | 2.3731% | 4,789 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4035% | 5,112 |
| Assets per employee ($millions) | 5.7180% | 1,399 |
| Cash dividends to net income (ytd only)* | 74.9196% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9371% | 6,032 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 68.5697% | 2,133 |
| Net loans and leases to deposits | 77.1801% | 2,700 |
| Net loans and leases to core deposits | 88.4353% | 2,068 |
| Total domestic deposits to total assets | 88.8438% | 1,714 |
| Equity capital to assets | 10.5107% | 3,292 |
| Core capital (leverage) ratio | 10.3434% | 3,054 |
| Tier 1 risk-based capital ratio | 12.8396% | 5,265 |
| Total risk-based capital ratio | 13.6348% | 5,527 |
| Memoranda: | ||
| Average total assets | $65,279,000 | 5,717 |
| Average earning assets | $62,766,000 | 5,599 |
| Average equity | $6,573,670 | 5,787 |
| Average total loans | $44,866,670 | 5,230 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4884% | 5,732 |
| Cost of funding earning assets | 0.8831% | 1,069 |
| Net interest margin | 2.6054% | 6,366 |
| Noninterest income to average assets | 0.2347% | 5,779 |
| Noninterest expense to average assets | 1.6850% | 6,575 |
| Loan and lease loss provision to assets | 0.0903% | 3,158 |
| Net operating income to assets | 0.9628% | 2,389 |
| Return on assets (ROA) | 0.9628% | 2,517 |
| Pretax return on assets | 0.9628% | 3,514 |
| Return on Equity (ROE) | 9.7635% | 2,155 |
| Retained earnings to average equity (ytd only) | 2.4409% | 4,804 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5385% | 5,368 |
| Assets per employee ($millions) | 5.8915% | 1,340 |
| Cash dividends to net income (ytd only)* | 75.0000% | 977 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8872% | 6,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 67.7442% | 2,062 |
| Net loans and leases to deposits | 75.9384% | 2,646 |
| Net loans and leases to core deposits | 86.5527% | 2,054 |
| Total domestic deposits to total assets | 89.2095% | 1,550 |
| Equity capital to assets | 10.1579% | 3,947 |
| Core capital (leverage) ratio | 9.6789% | 3,819 |
| Tier 1 risk-based capital ratio | 12.5480% | 5,555 |
| Total risk-based capital ratio | 13.3066% | 5,835 |
| Memoranda: | ||
| Average total assets | $66,469,500 | 5,726 |
| Average earning assets | $63,868,000 | 5,621 |
| Average equity | $6,555,000 | 5,849 |
| Average total loans | $45,531,500 | 5,235 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7849% | 5,868 |
| Cost of funding earning assets | 0.9529% | 1,625 |
| Net interest margin | 2.8320% | 6,347 |
| Noninterest income to average assets | 0.2354% | 5,764 |
| Noninterest expense to average assets | 1.7708% | 6,659 |
| Loan and lease loss provision to assets | 0.0683% | 4,897 |
| Net operating income to assets | 1.1223% | 1,867 |
| Return on assets (ROA) | 1.1375% | 1,981 |
| Pretax return on assets | 1.1375% | 3,025 |
| Return on Equity (ROE) | 11.7163% | 1,589 |
| Retained earnings to average equity (ytd only) | 2.9095% | 4,181 |
| Net charge-offs to loans | 0.3362% | 2,954 |
| Credit loss provision to net charge-offs | 28.4810% | 5,144 |
| Earnings coverage of net charge-offs (x) | 4.9620% | 3,192 |
| Efficiency ratio | 59.7949% | 5,574 |
| Assets per employee ($millions) | 5.6777% | 1,537 |
| Cash dividends to net income (ytd only)* | 75.1669% | 1,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8083% | 6,472 |
| Loan loss allowance to noncurrent loans | 2,520.0000% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.0220% | 6,609 |
| Noncurrent loans to loans | 0.0321% | 6,430 |
| Net loans and leases to total assets | 68.0869% | 2,166 |
| Net loans and leases to deposits | 75.8226% | 2,825 |
| Net loans and leases to core deposits | 85.3241% | 2,395 |
| Total domestic deposits to total assets | 89.7977% | 1,066 |
| Equity capital to assets | 9.5799% | 4,778 |
| Core capital (leverage) ratio | 10.1995% | 3,142 |
| Tier 1 risk-based capital ratio | 11.6354% | 6,014 |
| Total risk-based capital ratio | 12.3161% | 6,288 |
| Memoranda: | ||
| Average total assets | $65,845,600 | 5,748 |
| Average earning assets | $63,383,800 | 5,625 |
| Average equity | $6,392,800 | 5,919 |
| Average total loans | $46,998,800 | 5,211 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8140% | 5,993 |
| Cost of funding earning assets | 0.9752% | 1,709 |
| Net interest margin | 2.8388% | 6,449 |
| Noninterest income to average assets | 0.2308% | 5,894 |
| Noninterest expense to average assets | 1.7628% | 6,723 |
| Loan and lease loss provision to assets | 0.0613% | 4,948 |
| Net operating income to assets | 1.1418% | 1,943 |
| Return on assets (ROA) | 1.1541% | 2,084 |
| Pretax return on assets | 1.1541% | 3,148 |
| Return on Equity (ROE) | 11.8459% | 1,684 |
| Retained earnings to average equity (ytd only) | 2.9772% | 4,771 |
| Net charge-offs to loans | 0.4448% | 2,327 |
| Credit loss provision to net charge-offs | 19.1083% | 4,967 |
| Earnings coverage of net charge-offs (x) | 3.7515% | 3,529 |
| Efficiency ratio | 59.4353% | 5,594 |
| Assets per employee ($millions) | 5.4414% | 1,692 |
| Cash dividends to net income (ytd only)* | 74.8682% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7658% | 6,662 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 78.8004% | 635 |
| Net loans and leases to deposits | 89.1068% | 1,247 |
| Net loans and leases to core deposits | 102.2325% | 968 |
| Total domestic deposits to total assets | 88.4337% | 1,768 |
| Equity capital to assets | 10.8312% | 3,465 |
| Core capital (leverage) ratio | 10.3251% | 3,133 |
| Tier 1 risk-based capital ratio | 11.6686% | 6,135 |
| Total risk-based capital ratio | 12.3306% | 6,421 |
| Memoranda: | ||
| Average total assets | $65,274,000 | 5,838 |
| Average earning assets | $62,889,000 | 5,700 |
| Average equity | $6,359,250 | 5,995 |
| Average total loans | $47,056,750 | 5,267 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6837% | 6,361 |
| Cost of funding earning assets | 0.9897% | 1,829 |
| Net interest margin | 2.6939% | 6,714 |
| Noninterest income to average assets | 0.2326% | 5,906 |
| Noninterest expense to average assets | 1.7263% | 6,821 |
| Loan and lease loss provision to assets | 0.0447% | 5,116 |
| Net operating income to assets | 1.0584% | 2,213 |
| Return on assets (ROA) | 1.0584% | 2,443 |
| Pretax return on assets | 1.0584% | 3,474 |
| Return on Equity (ROE) | 11.2377% | 1,905 |
| Retained earnings to average equity (ytd only) | 2.8173% | 4,750 |
| Net charge-offs to loans | 0.6695% | 1,647 |
| Credit loss provision to net charge-offs | 9.5541% | 4,746 |
| Earnings coverage of net charge-offs (x) | 2.3567% | 3,827 |
| Efficiency ratio | 61.0116% | 5,420 |
| Assets per employee ($millions) | 5.3432% | 1,778 |
| Cash dividends to net income (ytd only)* | 74.9296% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7516% | 6,755 |
| Loan loss allowance to noncurrent loans | 75.3780% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7221% | 4,990 |
| Noncurrent loans to loans | 0.9971% | 4,509 |
| Net loans and leases to total assets | 71.8769% | 1,581 |
| Net loans and leases to deposits | 80.4055% | 2,331 |
| Net loans and leases to core deposits | 91.6751% | 1,808 |
| Total domestic deposits to total assets | 89.3930% | 1,279 |
| Equity capital to assets | 9.9598% | 4,402 |
| Core capital (leverage) ratio | 9.6729% | 3,886 |
| Tier 1 risk-based capital ratio | 11.5473% | 6,187 |
| Total risk-based capital ratio | 12.1806% | 6,511 |
| Memoranda: | ||
| Average total assets | $67,080,330 | 5,807 |
| Average earning assets | $64,663,670 | 5,685 |
| Average equity | $6,318,000 | 6,039 |
| Average total loans | $46,899,000 | 5,309 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5749% | 6,607 |
| Cost of funding earning assets | 1.0300% | 1,811 |
| Net interest margin | 2.5448% | 6,922 |
| Noninterest income to average assets | 0.2567% | 5,810 |
| Noninterest expense to average assets | 1.6511% | 6,934 |
| Loan and lease loss provision to assets | 0.0467% | 4,820 |
| Net operating income to assets | 1.0093% | 2,444 |
| Return on assets (ROA) | 1.0093% | 2,632 |
| Pretax return on assets | 1.0093% | 3,646 |
| Return on Equity (ROE) | 11.0121% | 2,011 |
| Retained earnings to average equity (ytd only) | 2.7371% | 4,886 |
| Net charge-offs to loans | 0.8232% | 1,247 |
| Credit loss provision to net charge-offs | 8.2474% | 3,925 |
| Earnings coverage of net charge-offs (x) | 1.8660% | 3,407 |
| Efficiency ratio | 60.9914% | 5,456 |
| Assets per employee ($millions) | 6.1930% | 1,155 |
| Cash dividends to net income (ytd only)* | 75.1445% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 6,616 |
| Loan loss allowance to noncurrent loans | 681.3559% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 6,668 |
| Noncurrent loans to loans | 0.1274% | 6,430 |
| Net loans and leases to total assets | 67.3796% | 2,218 |
| Net loans and leases to deposits | 74.7403% | 3,005 |
| Net loans and leases to core deposits | 84.7695% | 2,439 |
| Total domestic deposits to total assets | 90.1516% | 1,004 |
| Equity capital to assets | 9.2538% | 5,151 |
| Core capital (leverage) ratio | 9.3246% | 4,324 |
| Tier 1 risk-based capital ratio | 11.2478% | 6,418 |
| Total risk-based capital ratio | 11.9635% | 6,650 |
| Memoranda: | ||
| Average total assets | $68,561,500 | 5,806 |
| Average earning assets | $66,016,500 | 5,684 |
| Average equity | $6,284,000 | 6,076 |
| Average total loans | $47,131,000 | 5,334 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 6,531 |
| Cost of funding earning assets | 1.2509% | 1,732 |
| Net interest margin | 2.7084% | 6,914 |
| Noninterest income to average assets | 0.2567% | 5,698 |
| Noninterest expense to average assets | 1.7107% | 7,045 |
| Loan and lease loss provision to assets | 0.0821% | 5,587 |
| Net operating income to assets | 1.0658% | 1,934 |
| Return on assets (ROA) | 1.0822% | 2,019 |
| Pretax return on assets | 1.0822% | 2,904 |
| Return on Equity (ROE) | 11.6985% | 1,498 |
| Retained earnings to average equity (ytd only) | 2.9206% | 4,158 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8433% | 5,783 |
| Assets per employee ($millions) | 6.2727% | 1,061 |
| Cash dividends to net income (ytd only)* | 75.0345% | 950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0238% | 6,099 |
| Loan loss allowance to noncurrent loans | 37.1407% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 1.9159% | 3,085 |
| Noncurrent loans to loans | 2.7565% | 2,370 |
| Net loans and leases to total assets | 68.7942% | 2,249 |
| Net loans and leases to deposits | 76.1889% | 3,152 |
| Net loans and leases to core deposits | 86.2145% | 2,607 |
| Total domestic deposits to total assets | 90.2942% | 819 |
| Equity capital to assets | 9.0783% | 5,446 |
| Core capital (leverage) ratio | 9.2952% | 4,338 |
| Tier 1 risk-based capital ratio | 11.2344% | 6,328 |
| Total risk-based capital ratio | 12.1135% | 6,506 |
| Memoranda: | ||
| Average total assets | $66,991,400 | 5,841 |
| Average earning assets | $64,355,600 | 5,722 |
| Average equity | $6,197,400 | 6,103 |
| Average total loans | $47,231,200 | 5,374 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0026% | 6,583 |
| Cost of funding earning assets | 1.2785% | 1,827 |
| Net interest margin | 2.7241% | 6,969 |
| Noninterest income to average assets | 0.2627% | 5,741 |
| Noninterest expense to average assets | 1.6644% | 7,131 |
| Loan and lease loss provision to assets | 0.0441% | 5,886 |
| Net operating income to assets | 1.1691% | 1,749 |
| Return on assets (ROA) | 1.1791% | 1,834 |
| Pretax return on assets | 1.1791% | 2,695 |
| Return on Equity (ROE) | 12.6842% | 1,364 |
| Retained earnings to average equity (ytd only) | 3.1711% | 4,444 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8397% | 6,038 |
| Assets per employee ($millions) | 5.9387% | 1,246 |
| Cash dividends to net income (ytd only)* | 75.0006% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 6,545 |
| Loan loss allowance to noncurrent loans | 715.6250% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0980% | 6,814 |
| Noncurrent loans to loans | 0.1281% | 6,617 |
| Net loans and leases to total assets | 75.7677% | 1,011 |
| Net loans and leases to deposits | 84.3821% | 1,935 |
| Net loans and leases to core deposits | 95.7332% | 1,632 |
| Total domestic deposits to total assets | 89.7912% | 986 |
| Equity capital to assets | 9.5398% | 5,022 |
| Core capital (leverage) ratio | 9.7379% | 3,794 |
| Tier 1 risk-based capital ratio | 10.9599% | 6,566 |
| Total risk-based capital ratio | 11.7642% | 6,759 |
| Memoranda: | ||
| Average total assets | $66,489,250 | 5,898 |
| Average earning assets | $63,823,750 | 5,780 |
| Average equity | $6,180,750 | 6,156 |
| Average total loans | $47,049,250 | 5,421 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8576% | 6,860 |
| Cost of funding earning assets | 1.2900% | 2,006 |
| Net interest margin | 2.5676% | 7,139 |
| Noninterest income to average assets | 0.3828% | 4,818 |
| Noninterest expense to average assets | 1.6059% | 7,250 |
| Loan and lease loss provision to assets | 0.0449% | 5,746 |
| Net operating income to assets | 1.1962% | 1,585 |
| Return on assets (ROA) | 1.2112% | 1,622 |
| Pretax return on assets | 1.2112% | 2,438 |
| Return on Equity (ROE) | 13.1415% | 1,171 |
| Retained earnings to average equity (ytd only) | 3.2773% | 4,178 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4076% | 6,379 |
| Assets per employee ($millions) | 5.3793% | 1,676 |
| Cash dividends to net income (ytd only)* | 75.0617% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9525% | 6,501 |
| Loan loss allowance to noncurrent loans | 217.8744% | 1,408 |
| Noncurrent assets plus other real estate owned to assets | 0.3207% | 6,328 |
| Noncurrent loans to loans | 0.4372% | 6,031 |
| Net loans and leases to total assets | 72.6484% | 1,654 |
| Net loans and leases to deposits | 81.0172% | 2,615 |
| Net loans and leases to core deposits | 91.4206% | 2,206 |
| Total domestic deposits to total assets | 89.6703% | 1,136 |
| Equity capital to assets | 9.6527% | 4,596 |
| Core capital (leverage) ratio | 9.5150% | 3,938 |
| Tier 1 risk-based capital ratio | 11.2100% | 6,376 |
| Total risk-based capital ratio | 12.0261% | 6,654 |
| Memoranda: | ||
| Average total assets | $66,877,000 | 5,931 |
| Average earning assets | $64,185,670 | 5,820 |
| Average equity | $6,163,670 | 6,181 |
| Average total loans | $46,081,000 | 5,519 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7729% | 6,983 |
| Cost of funding earning assets | 1.2719% | 2,350 |
| Net interest margin | 2.5010% | 7,198 |
| Noninterest income to average assets | 0.5938% | 3,219 |
| Noninterest expense to average assets | 1.6226% | 7,287 |
| Loan and lease loss provision to assets | 0.0412% | 5,475 |
| Net operating income to assets | 1.3345% | 1,189 |
| Return on assets (ROA) | 1.3345% | 1,237 |
| Pretax return on assets | 1.3345% | 1,926 |
| Return on Equity (ROE) | 14.8124% | 854 |
| Retained earnings to average equity (ytd only) | 3.7194% | 3,942 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1176% | 6,686 |
| Assets per employee ($millions) | 5.4815% | 1,592 |
| Cash dividends to net income (ytd only)* | 74.8899% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0068% | 6,370 |
| Loan loss allowance to noncurrent loans | 215.0485% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 6,415 |
| Noncurrent loans to loans | 0.4682% | 6,079 |
| Net loans and leases to total assets | 66.2167% | 2,950 |
| Net loans and leases to deposits | 73.6278% | 3,814 |
| Net loans and leases to core deposits | 82.3910% | 3,400 |
| Total domestic deposits to total assets | 89.9343% | 1,185 |
| Equity capital to assets | 9.3557% | 4,643 |
| Core capital (leverage) ratio | 8.9802% | 4,645 |
| Tier 1 risk-based capital ratio | 11.2477% | 6,308 |
| Total risk-based capital ratio | 12.0579% | 6,614 |
| Memoranda: | ||
| Average total assets | $68,039,500 | 5,929 |
| Average earning assets | $65,414,500 | 5,813 |
| Average equity | $6,130,000 | 6,201 |
| Average total loans | $45,448,000 | 5,589 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4434% | 6,534 |
| Cost of funding earning assets | 1.5637% | 2,280 |
| Net interest margin | 2.8797% | 6,924 |
| Noninterest income to average assets | 0.2495% | 6,017 |
| Noninterest expense to average assets | 1.9250% | 7,123 |
| Loan and lease loss provision to assets | 0.0496% | 6,657 |
| Net operating income to assets | 1.0228% | 1,955 |
| Return on assets (ROA) | 1.0228% | 2,067 |
| Pretax return on assets | 1.0228% | 2,855 |
| Return on Equity (ROE) | 10.2640% | 1,829 |
| Retained earnings to average equity (ytd only) | 2.5701% | 4,065 |
| Net charge-offs to loans | 0.0180% | 6,638 |
| Credit loss provision to net charge-offs | 375.0000% | 670 |
| Earnings coverage of net charge-offs (x) | 81.1250% | 300 |
| Efficiency ratio | 64.2227% | 5,308 |
| Assets per employee ($millions) | 6.3910% | 994 |
| Cash dividends to net income (ytd only)* | 74.9596% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9297% | 6,640 |
| Loan loss allowance to noncurrent loans | 177.9592% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 0.3485% | 6,384 |
| Noncurrent loans to loans | 0.5224% | 5,997 |
| Net loans and leases to total assets | 66.0887% | 3,453 |
| Net loans and leases to deposits | 72.9509% | 4,359 |
| Net loans and leases to core deposits | 80.7301% | 4,102 |
| Total domestic deposits to total assets | 90.5933% | 795 |
| Equity capital to assets | 8.6855% | 5,609 |
| Core capital (leverage) ratio | 9.8747% | 3,238 |
| Tier 1 risk-based capital ratio | 11.4092% | 5,986 |
| Total risk-based capital ratio | 12.2255% | 6,317 |
| Memoranda: | ||
| Average total assets | $60,518,000 | 6,176 |
| Average earning assets | $57,749,200 | 6,071 |
| Average equity | $6,030,800 | 6,355 |
| Average total loans | $44,475,000 | 5,725 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 6,499 |
| Cost of funding earning assets | 1.6514% | 2,096 |
| Net interest margin | 2.8882% | 7,023 |
| Noninterest income to average assets | 0.2617% | 6,025 |
| Noninterest expense to average assets | 2.0158% | 7,022 |
| Loan and lease loss provision to assets | 0.0505% | 6,577 |
| Net operating income to assets | 0.9459% | 2,431 |
| Return on assets (ROA) | 0.9459% | 2,561 |
| Pretax return on assets | 0.9459% | 3,382 |
| Return on Equity (ROE) | 9.1371% | 2,441 |
| Retained earnings to average equity (ytd only) | 3.5040% | 3,987 |
| Net charge-offs to loans | 0.0243% | 6,335 |
| Credit loss provision to net charge-offs | 275.0000% | 1,193 |
| Earnings coverage of net charge-offs (x) | 54.2315% | 535 |
| Efficiency ratio | 66.9207% | 4,673 |
| Assets per employee ($millions) | 4.7295% | 2,556 |
| Cash dividends to net income (ytd only)* | 61.6508% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8830% | 6,794 |
| Loan loss allowance to noncurrent loans | 193.6652% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 6,442 |
| Noncurrent loans to loans | 0.4559% | 6,275 |
| Net loans and leases to total assets | 84.6548% | 288 |
| Net loans and leases to deposits | 95.7491% | 1,013 |
| Net loans and leases to core deposits | 109.1237% | 1,087 |
| Total domestic deposits to total assets | 88.4132% | 1,721 |
| Equity capital to assets | 10.7710% | 3,199 |
| Core capital (leverage) ratio | 10.5514% | 2,636 |
| Tier 1 risk-based capital ratio | 11.5294% | 5,901 |
| Total risk-based capital ratio | 12.3388% | 6,289 |
| Memoranda: | ||
| Average total assets | $58,072,250 | 6,349 |
| Average earning assets | $55,304,500 | 6,225 |
| Average equity | $6,012,000 | 6,442 |
| Average total loans | $43,869,500 | 5,836 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2607% | 7,103 |
| Cost of funding earning assets | 1.6490% | 2,394 |
| Net interest margin | 2.6117% | 7,339 |
| Noninterest income to average assets | 0.2666% | 6,010 |
| Noninterest expense to average assets | 1.9859% | 7,135 |
| Loan and lease loss provision to assets | 0.0513% | 6,457 |
| Net operating income to assets | 0.7144% | 3,336 |
| Return on assets (ROA) | 0.7144% | 3,491 |
| Pretax return on assets | 0.7144% | 4,183 |
| Return on Equity (ROE) | 6.9919% | 3,306 |
| Retained earnings to average equity (ytd only) | 1.7731% | 4,978 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1739% | 3,786 |
| Assets per employee ($millions) | 4.8294% | 2,405 |
| Cash dividends to net income (ytd only)* | 74.6411% | 901 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9215% | 6,688 |
| Loan loss allowance to noncurrent loans | 208.2524% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 6,542 |
| Noncurrent loans to loans | 0.4425% | 6,357 |
| Net loans and leases to total assets | 79.5886% | 861 |
| Net loans and leases to deposits | 89.5142% | 1,932 |
| Net loans and leases to core deposits | 101.9653% | 1,833 |
| Total domestic deposits to total assets | 88.9117% | 1,489 |
| Equity capital to assets | 10.3722% | 3,555 |
| Core capital (leverage) ratio | 10.2915% | 2,836 |
| Tier 1 risk-based capital ratio | 11.3713% | 5,888 |
| Total risk-based capital ratio | 12.1854% | 6,291 |
| Memoranda: | ||
| Average total assets | $58,511,670 | 6,370 |
| Average earning assets | $55,671,670 | 6,255 |
| Average equity | $5,978,330 | 6,474 |
| Average total loans | $42,335,000 | 5,943 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0854% | 7,386 |
| Cost of funding earning assets | 1.6628% | 2,584 |
| Net interest margin | 2.4226% | 7,516 |
| Noninterest income to average assets | 0.2994% | 5,752 |
| Noninterest expense to average assets | 1.9731% | 7,209 |
| Loan and lease loss provision to assets | 0.0544% | 6,116 |
| Net operating income to assets | 0.5715% | 4,026 |
| Return on assets (ROA) | 0.5715% | 4,169 |
| Pretax return on assets | 0.5715% | 4,708 |
| Return on Equity (ROE) | 5.6357% | 4,041 |
| Retained earnings to average equity (ytd only) | 1.6102% | 5,137 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9162% | 3,230 |
| Assets per employee ($millions) | 4.9737% | 2,266 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9918% | 6,510 |
| Loan loss allowance to noncurrent loans | 205.8537% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 6,620 |
| Noncurrent loans to loans | 0.4818% | 6,332 |
| Net loans and leases to total assets | 70.5868% | 2,787 |
| Net loans and leases to deposits | 78.9761% | 3,845 |
| Net loans and leases to core deposits | 89.4516% | 3,438 |
| Total domestic deposits to total assets | 89.3774% | 1,313 |
| Equity capital to assets | 10.0060% | 3,868 |
| Core capital (leverage) ratio | 9.9398% | 3,242 |
| Tier 1 risk-based capital ratio | 11.9148% | 5,282 |
| Total risk-based capital ratio | 12.7580% | 5,643 |
| Memoranda: | ||
| Average total assets | $58,791,000 | 6,439 |
| Average earning assets | $55,808,500 | 6,333 |
| Average equity | $5,962,000 | 6,532 |
| Average total loans | $40,226,000 | 6,112 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 7,055 |
| Cost of funding earning assets | 1.9797% | 3,057 |
| Net interest margin | 2.7700% | 7,108 |
| Noninterest income to average assets | 0.3393% | 5,662 |
| Noninterest expense to average assets | 2.2702% | 6,824 |
| Loan and lease loss provision to assets | 0.0544% | 7,020 |
| Net operating income to assets | 0.6351% | 3,195 |
| Return on assets (ROA) | 0.6351% | 3,251 |
| Pretax return on assets | 0.6351% | 3,794 |
| Return on Equity (ROE) | 5.8772% | 3,265 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.0081% | 7,118 |
| Credit loss provision to net charge-offs | 1,000.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 126.6667% | 227 |
| Efficiency ratio | 76.7014% | 3,408 |
| Assets per employee ($millions) | 4.4537% | 3,002 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0923% | 5,935 |
| Loan loss allowance to noncurrent loans | 162.9921% | 1,785 |
| Noncurrent assets plus other real estate owned to assets | 0.4387% | 6,362 |
| Noncurrent loans to loans | 0.6702% | 5,896 |
| Net loans and leases to total assets | 64.7466% | 4,431 |
| Net loans and leases to deposits | 72.8073% | 5,221 |
| Net loans and leases to core deposits | 110.3662% | 2,854 |
| Total domestic deposits to total assets | 88.9288% | 1,512 |
| Equity capital to assets | 10.2801% | 3,423 |
| Core capital (leverage) ratio | 10.7336% | 2,399 |
| Tier 1 risk-based capital ratio | 13.2893% | 3,952 |
| Total risk-based capital ratio | 14.2157% | 4,116 |
| Memoranda: | ||
| Average total assets | $55,105,400 | 6,527 |
| Average earning assets | $52,129,800 | 6,455 |
| Average equity | $5,955,200 | 6,620 |
| Average total loans | $36,817,800 | 6,259 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8446% | 7,025 |
| Cost of funding earning assets | 2.0348% | 3,188 |
| Net interest margin | 2.8098% | 7,040 |
| Noninterest income to average assets | 0.3504% | 5,689 |
| Noninterest expense to average assets | 2.2668% | 6,797 |
| Loan and lease loss provision to assets | 0.0539% | 6,837 |
| Net operating income to assets | 0.6862% | 3,255 |
| Return on assets (ROA) | 0.6862% | 3,311 |
| Pretax return on assets | 0.6862% | 3,904 |
| Return on Equity (ROE) | 6.2680% | 3,409 |
| Retained earnings to average equity (ytd only) | 1.4550% | 4,499 |
| Net charge-offs to loans | 0.0073% | 6,861 |
| Credit loss provision to net charge-offs | 1,100.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 150.8090% | 253 |
| Efficiency ratio | 75.3871% | 3,617 |
| Assets per employee ($millions) | 4.0488% | 3,639 |
| Cash dividends to net income (ytd only)* | 76.7867% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1339% | 5,515 |
| Loan loss allowance to noncurrent loans | 132.1429% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5852% | 5,986 |
| Noncurrent loans to loans | 0.8581% | 5,581 |
| Net loans and leases to total assets | 67.4203% | 4,087 |
| Net loans and leases to deposits | 76.9144% | 4,908 |
| Net loans and leases to core deposits | 120.1449% | 2,230 |
| Total domestic deposits to total assets | 87.6563% | 1,824 |
| Equity capital to assets | 11.4223% | 2,654 |
| Core capital (leverage) ratio | 11.2126% | 2,254 |
| Tier 1 risk-based capital ratio | 14.2762% | 3,398 |
| Total risk-based capital ratio | 15.2440% | 3,505 |
| Memoranda: | ||
| Average total assets | $54,407,250 | 6,593 |
| Average earning assets | $51,437,500 | 6,522 |
| Average equity | $5,956,000 | 6,675 |
| Average total loans | $36,547,000 | 6,315 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7902% | 7,245 |
| Cost of funding earning assets | 2.0420% | 3,561 |
| Net interest margin | 2.7482% | 7,106 |
| Noninterest income to average assets | 0.3564% | 5,657 |
| Noninterest expense to average assets | 2.3346% | 6,660 |
| Loan and lease loss provision to assets | 0.0545% | 6,677 |
| Net operating income to assets | 0.5855% | 3,740 |
| Return on assets (ROA) | 0.5855% | 3,847 |
| Pretax return on assets | 0.5855% | 4,360 |
| Return on Equity (ROE) | 5.4233% | 3,893 |
| Retained earnings to average equity (ytd only) | 1.3474% | 4,589 |
| Net charge-offs to loans | 0.0109% | 6,413 |
| Credit loss provision to net charge-offs | 750.0000% | 623 |
| Earnings coverage of net charge-offs (x) | 88.0000% | 436 |
| Efficiency ratio | 78.4841% | 3,276 |
| Assets per employee ($millions) | 4.1562% | 3,379 |
| Cash dividends to net income (ytd only)* | 75.1553% | 1,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,420 |
| Loan loss allowance to noncurrent loans | 61.3497% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.2067% | 4,524 |
| Noncurrent loans to loans | 1.8341% | 3,759 |
| Net loans and leases to total assets | 65.0515% | 4,755 |
| Net loans and leases to deposits | 73.7768% | 5,485 |
| Net loans and leases to core deposits | 113.3660% | 2,981 |
| Total domestic deposits to total assets | 88.1735% | 1,683 |
| Equity capital to assets | 11.0696% | 2,856 |
| Core capital (leverage) ratio | 11.1142% | 2,319 |
| Tier 1 risk-based capital ratio | 13.8086% | 3,622 |
| Total risk-based capital ratio | 14.7324% | 3,757 |
| Memoranda: | ||
| Average total assets | $54,998,330 | 6,638 |
| Average earning assets | $52,398,670 | 6,535 |
| Average equity | $5,937,330 | 6,744 |
| Average total loans | $36,765,000 | 6,355 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 7,281 |
| Cost of funding earning assets | 2.0821% | 3,729 |
| Net interest margin | 2.7710% | 7,052 |
| Noninterest income to average assets | 0.3965% | 5,236 |
| Noninterest expense to average assets | 2.2061% | 6,854 |
| Loan and lease loss provision to assets | 0.0505% | 6,337 |
| Net operating income to assets | 0.7786% | 3,221 |
| Return on assets (ROA) | 0.7786% | 3,388 |
| Pretax return on assets | 0.7786% | 4,156 |
| Return on Equity (ROE) | 7.3028% | 3,469 |
| Retained earnings to average equity (ytd only) | 1.8257% | 4,835 |
| Net charge-offs to loans | 0.0214% | 5,258 |
| Credit loss provision to net charge-offs | 350.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 57.5000% | 663 |
| Efficiency ratio | 72.6841% | 4,067 |
| Assets per employee ($millions) | 4.1511% | 3,358 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1043% | 5,440 |
| Loan loss allowance to noncurrent loans | 19,600.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 7,648 |
| Noncurrent loans to loans | 0.0056% | 7,562 |
| Net loans and leases to total assets | 65.0508% | 4,802 |
| Net loans and leases to deposits | 73.7402% | 5,514 |
| Net loans and leases to core deposits | 113.8853% | 3,018 |
| Total domestic deposits to total assets | 88.2162% | 1,635 |
| Equity capital to assets | 11.0166% | 2,950 |
| Core capital (leverage) ratio | 10.6501% | 2,786 |
| Tier 1 risk-based capital ratio | 15.3305% | 2,925 |
| Total risk-based capital ratio | 16.3378% | 2,966 |
| Memoranda: | ||
| Average total assets | $55,482,000 | 6,648 |
| Average earning assets | $52,832,000 | 6,550 |
| Average equity | $5,915,500 | 6,804 |
| Average total loans | $37,373,500 | 6,361 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5408% | 7,207 |
| Cost of funding earning assets | 2.6478% | 3,448 |
| Net interest margin | 2.8931% | 7,168 |
| Noninterest income to average assets | 0.3588% | 5,856 |
| Noninterest expense to average assets | 2.1440% | 7,128 |
| Loan and lease loss provision to assets | 0.0525% | 6,759 |
| Net operating income to assets | 0.8664% | 3,145 |
| Return on assets (ROA) | 0.8664% | 2,995 |
| Pretax return on assets | 0.8664% | 3,835 |
| Return on Equity (ROE) | 8.4555% | 2,867 |
| Retained earnings to average equity (ytd only) | 2.1181% | 3,912 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0000% | 4,352 |
| Assets per employee ($millions) | 4.3846% | 2,822 |
| Cash dividends to net income (ytd only)* | 74.9495% | 1,943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 6,172 |
| Loan loss allowance to noncurrent loans | 2,580.0000% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 7,493 |
| Noncurrent loans to loans | 0.0382% | 7,353 |
| Net loans and leases to total assets | 68.1825% | 4,433 |
| Net loans and leases to deposits | 83.2651% | 4,530 |
| Net loans and leases to core deposits | 126.7332% | 2,107 |
| Total domestic deposits to total assets | 81.8860% | 4,243 |
| Equity capital to assets | 10.3263% | 3,688 |
| Core capital (leverage) ratio | 10.3687% | 3,100 |
| Tier 1 risk-based capital ratio | 14.1123% | 3,495 |
| Total risk-based capital ratio | 15.0318% | 3,573 |
| Memoranda: | ||
| Average total assets | $57,136,000 | 6,481 |
| Average earning assets | $53,403,800 | 6,443 |
| Average equity | $5,854,200 | 6,855 |
| Average total loans | $34,960,400 | 6,431 |