Home > First Bank of Linden > Performance and Condition Ratios
First Bank of Linden, Performance and Condition Ratios
| 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 | 3.0160% | 4,040 |
| Cost of funding earning assets | 0.5443% | 1,143 |
| Net interest margin | 2.4717% | 4,338 |
| Noninterest income to average assets | 0.3080% | 3,567 |
| Noninterest expense to average assets | 2.2056% | 3,092 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3895% | 4,378 |
| Return on assets (ROA) | 0.3895% | 4,405 |
| Pretax return on assets | 0.3442% | 4,554 |
| Return on Equity (ROE) | 2.7736% | 4,512 |
| Retained earnings to average equity (ytd only) | 2.7736% | 3,847 |
| Net charge-offs to loans | 0.0176% | 1,397 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 76.0000% | 726 |
| Efficiency ratio | 86.5009% | 492 |
| Assets per employee ($millions) | 6.6820% | 2,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 1,790 |
| Loan loss allowance to noncurrent loans | 61.7108% | 3,828 |
| Noncurrent assets plus other real estate owned to assets | 1.0073% | 819 |
| Noncurrent loans to loans | 2.3432% | 412 |
| Net loans and leases to total assets | 23.7734% | 4,812 |
| Net loans and leases to deposits | 27.6775% | 4,821 |
| Net loans and leases to core deposits | 33.4429% | 4,767 |
| Total domestic deposits to total assets | 85.8944% | 2,772 |
| Equity capital to assets | 13.9779% | 678 |
| Core capital (leverage) ratio | 14.4965% | 563 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.5057% | 212 |
| Memoranda: | ||
| Average total assets | $88,319,000 | 4,210 |
| Average earning assets | $80,106,500 | 4,218 |
| Average equity | $12,402,500 | 3,963 |
| Average total loans | $22,761,000 | 4,641 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5619% | 3,902 |
| Cost of funding earning assets | 0.7562% | 1,417 |
| Net interest margin | 2.8057% | 4,258 |
| Noninterest income to average assets | 0.3103% | 3,629 |
| Noninterest expense to average assets | 2.5725% | 2,633 |
| Loan and lease loss provision to assets | 0.0060% | 4,278 |
| Net operating income to assets | 0.4146% | 4,218 |
| Return on assets (ROA) | 0.4146% | 4,297 |
| Pretax return on assets | 0.2792% | 4,573 |
| Return on Equity (ROE) | 2.8146% | 4,424 |
| Retained earnings to average equity (ytd only) | 0.0895% | 4,494 |
| Net charge-offs to loans | 0.1822% | 924 |
| Credit loss provision to net charge-offs | 10.6383% | 3,255 |
| Earnings coverage of net charge-offs (x) | 5.0638% | 2,909 |
| Efficiency ratio | 90.0210% | 378 |
| Assets per employee ($millions) | 6.9055% | 1,638 |
| Cash dividends to net income (ytd only)* | 96.8208% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2374% | 2,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4278% | 2,295 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 27.0285% | 4,811 |
| Net loans and leases to deposits | 31.5789% | 4,818 |
| Net loans and leases to core deposits | 38.0588% | 4,738 |
| Total domestic deposits to total assets | 85.5902% | 2,535 |
| Equity capital to assets | 14.1057% | 768 |
| Core capital (leverage) ratio | 13.1695% | 854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6881% | 297 |
| Memoranda: | ||
| Average total assets | $83,458,400 | 4,202 |
| Average earning assets | $75,775,200 | 4,214 |
| Average equity | $12,293,000 | 3,943 |
| Average total loans | $25,798,200 | 4,603 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6694% | 3,861 |
| Cost of funding earning assets | 0.8088% | 1,453 |
| Net interest margin | 2.8605% | 4,246 |
| Noninterest income to average assets | 0.3029% | 3,674 |
| Noninterest expense to average assets | 2.4377% | 3,031 |
| Loan and lease loss provision to assets | 0.0085% | 4,185 |
| Net operating income to assets | 0.4397% | 4,188 |
| Return on assets (ROA) | 0.4397% | 4,255 |
| Pretax return on assets | 0.4543% | 4,367 |
| Return on Equity (ROE) | 2.9506% | 4,400 |
| Retained earnings to average equity (ytd only) | 1.1256% | 4,211 |
| Net charge-offs to loans | 0.1992% | 766 |
| Credit loss provision to net charge-offs | 12.8205% | 2,992 |
| Earnings coverage of net charge-offs (x) | 7.2821% | 2,588 |
| Efficiency ratio | 84.0539% | 596 |
| Assets per employee ($millions) | 6.7482% | 1,654 |
| Cash dividends to net income (ytd only)* | 61.8519% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 2,091 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 2,429 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 26.6486% | 4,878 |
| Net loans and leases to deposits | 31.2703% | 4,888 |
| Net loans and leases to core deposits | 37.8898% | 4,822 |
| Total domestic deposits to total assets | 85.2201% | 2,354 |
| Equity capital to assets | 14.4676% | 740 |
| Core capital (leverage) ratio | 13.8387% | 748 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0975% | 274 |
| Memoranda: | ||
| Average total assets | $81,880,000 | 4,231 |
| Average earning assets | $74,343,000 | 4,239 |
| Average equity | $12,200,500 | 3,959 |
| Average total loans | $26,105,750 | 4,625 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 3,843 |
| Cost of funding earning assets | 0.8687% | 1,502 |
| Net interest margin | 2.9403% | 4,242 |
| Noninterest income to average assets | 0.2953% | 3,703 |
| Noninterest expense to average assets | 2.4546% | 3,088 |
| Loan and lease loss provision to assets | 0.0125% | 4,062 |
| Net operating income to assets | 0.5104% | 3,989 |
| Return on assets (ROA) | 0.5104% | 4,069 |
| Pretax return on assets | 0.5129% | 4,228 |
| Return on Equity (ROE) | 3.3896% | 4,261 |
| Retained earnings to average equity (ytd only) | 0.6148% | 4,181 |
| Net charge-offs to loans | 0.2155% | 719 |
| Credit loss provision to net charge-offs | 17.2414% | 2,737 |
| Earnings coverage of net charge-offs (x) | 7.2414% | 2,380 |
| Efficiency ratio | 82.3678% | 734 |
| Assets per employee ($millions) | 6.3143% | 1,935 |
| Cash dividends to net income (ytd only)* | 81.8627% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 1,728 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 2,447 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 28.4775% | 4,881 |
| Net loans and leases to deposits | 33.7044% | 4,889 |
| Net loans and leases to core deposits | 39.7429% | 4,827 |
| Total domestic deposits to total assets | 84.4919% | 2,558 |
| Equity capital to assets | 15.2133% | 586 |
| Core capital (leverage) ratio | 14.5773% | 640 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4083% | 274 |
| Memoranda: | ||
| Average total assets | $79,931,000 | 4,253 |
| Average earning assets | $72,986,667 | 4,260 |
| Average equity | $12,036,667 | 3,980 |
| Average total loans | $26,911,000 | 4,621 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0408% | 3,672 |
| Cost of funding earning assets | 0.9194% | 1,771 |
| Net interest margin | 3.1214% | 4,046 |
| Noninterest income to average assets | 0.3247% | 3,577 |
| Noninterest expense to average assets | 2.6429% | 2,854 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5681% | 3,689 |
| Return on assets (ROA) | 0.5681% | 3,755 |
| Pretax return on assets | 0.5580% | 4,011 |
| Return on Equity (ROE) | 3.7931% | 4,009 |
| Retained earnings to average equity (ytd only) | 3.7931% | 2,762 |
| Net charge-offs to loans | 0.2946% | 490 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 5.2381% | 2,078 |
| Efficiency ratio | 82.5674% | 936 |
| Assets per employee ($millions) | 5.9405% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2083% | 2,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5102% | 2,464 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 34.4090% | 4,823 |
| Net loans and leases to deposits | 40.6048% | 4,827 |
| Net loans and leases to core deposits | 48.1447% | 4,726 |
| Total domestic deposits to total assets | 84.7411% | 2,517 |
| Equity capital to assets | 15.0453% | 748 |
| Core capital (leverage) ratio | 14.9371% | 699 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.0000% | 285 |
| Memoranda: | ||
| Average total assets | $78,853,500 | 4,277 |
| Average earning assets | $72,659,000 | 4,277 |
| Average equity | $11,811,000 | 4,019 |
| Average total loans | $28,517,500 | 4,628 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2307% | 3,728 |
| Cost of funding earning assets | 0.8354% | 2,508 |
| Net interest margin | 3.3953% | 3,761 |
| Noninterest income to average assets | 0.3398% | 3,673 |
| Noninterest expense to average assets | 2.5117% | 3,416 |
| Loan and lease loss provision to assets | 0.2853% | 606 |
| Net operating income to assets | 0.6935% | 3,882 |
| Return on assets (ROA) | 0.6935% | 3,949 |
| Pretax return on assets | 0.7531% | 4,073 |
| Return on Equity (ROE) | 4.6025% | 4,323 |
| Retained earnings to average equity (ytd only) | 1.7838% | 4,094 |
| Net charge-offs to loans | 0.6440% | 275 |
| Credit loss provision to net charge-offs | 114.7959% | 2,191 |
| Earnings coverage of net charge-offs (x) | 4.1786% | 3,247 |
| Efficiency ratio | 70.7500% | 2,060 |
| Assets per employee ($millions) | 6.1908% | 1,495 |
| Cash dividends to net income (ytd only)* | 61.2431% | 1,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 2,713 |
| Loan loss allowance to noncurrent loans | 87.8173% | 3,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4896% | 2,453 |
| Noncurrent loans to loans | 1.3074% | 1,152 |
| Net loans and leases to total assets | 37.0167% | 4,817 |
| Net loans and leases to deposits | 43.6057% | 4,835 |
| Net loans and leases to core deposits | 52.1460% | 4,701 |
| Total domestic deposits to total assets | 84.8894% | 2,540 |
| Equity capital to assets | 14.9143% | 815 |
| Core capital (leverage) ratio | 14.3821% | 832 |
| Tier 1 risk-based capital ratio | 26.4215% | 650 |
| Total risk-based capital ratio | 27.2025% | 663 |
| Memoranda: | ||
| Average total assets | $78,870,400 | 4,310 |
| Average earning assets | $74,574,400 | 4,278 |
| Average equity | $11,884,800 | 4,013 |
| Average total loans | $30,433,800 | 4,634 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2878% | 3,692 |
| Cost of funding earning assets | 0.8127% | 2,643 |
| Net interest margin | 3.4751% | 3,644 |
| Noninterest income to average assets | 0.3449% | 3,664 |
| Noninterest expense to average assets | 2.3856% | 3,726 |
| Loan and lease loss provision to assets | 0.3823% | 342 |
| Net operating income to assets | 0.7799% | 3,738 |
| Return on assets (ROA) | 0.7799% | 3,807 |
| Pretax return on assets | 0.8683% | 3,958 |
| Return on Equity (ROE) | 5.1621% | 4,287 |
| Retained earnings to average equity (ytd only) | 3.2839% | 3,770 |
| Net charge-offs to loans | 0.7910% | 203 |
| Credit loss provision to net charge-offs | 124.3094% | 1,894 |
| Earnings coverage of net charge-offs (x) | 4.0663% | 3,047 |
| Efficiency ratio | 65.6075% | 2,782 |
| Assets per employee ($millions) | 6.1912% | 1,466 |
| Cash dividends to net income (ytd only)* | 36.3835% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2144% | 2,436 |
| Loan loss allowance to noncurrent loans | 95.2507% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4709% | 2,647 |
| Noncurrent loans to loans | 1.2749% | 1,224 |
| Net loans and leases to total assets | 36.4858% | 4,919 |
| Net loans and leases to deposits | 43.1295% | 4,935 |
| Net loans and leases to core deposits | 51.0119% | 4,816 |
| Total domestic deposits to total assets | 84.5961% | 2,586 |
| Equity capital to assets | 15.1505% | 807 |
| Core capital (leverage) ratio | 14.8690% | 766 |
| Tier 1 risk-based capital ratio | 24.2554% | 824 |
| Total risk-based capital ratio | 25.0005% | 853 |
| Memoranda: | ||
| Average total assets | $78,468,000 | 4,366 |
| Average earning assets | $74,317,000 | 4,334 |
| Average equity | $11,855,250 | 4,056 |
| Average total loans | $30,508,000 | 4,689 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2199% | 3,872 |
| Cost of funding earning assets | 0.7781% | 2,755 |
| Net interest margin | 3.4418% | 3,765 |
| Noninterest income to average assets | 0.3496% | 3,600 |
| Noninterest expense to average assets | 2.3575% | 3,855 |
| Loan and lease loss provision to assets | 0.6041% | 186 |
| Net operating income to assets | 0.6016% | 4,302 |
| Return on assets (ROA) | 0.6016% | 4,344 |
| Pretax return on assets | 0.6401% | 4,467 |
| Return on Equity (ROE) | 3.9856% | 4,592 |
| Retained earnings to average equity (ytd only) | 1.1412% | 4,397 |
| Net charge-offs to loans | 1.2090% | 108 |
| Credit loss provision to net charge-offs | 126.3441% | 1,682 |
| Earnings coverage of net charge-offs (x) | 2.6022% | 2,925 |
| Efficiency ratio | 65.4532% | 2,896 |
| Assets per employee ($millions) | 6.0474% | 1,509 |
| Cash dividends to net income (ytd only)* | 71.3675% | 1,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2287% | 2,368 |
| Loan loss allowance to noncurrent loans | 97.0822% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4795% | 2,618 |
| Noncurrent loans to loans | 1.2657% | 1,255 |
| Net loans and leases to total assets | 37.4237% | 4,931 |
| Net loans and leases to deposits | 44.2374% | 4,949 |
| Net loans and leases to core deposits | 52.7542% | 4,804 |
| Total domestic deposits to total assets | 84.5973% | 2,643 |
| Equity capital to assets | 15.2132% | 768 |
| Core capital (leverage) ratio | 14.8219% | 747 |
| Tier 1 risk-based capital ratio | 26.5157% | 656 |
| Total risk-based capital ratio | 27.3553% | 667 |
| Memoranda: | ||
| Average total assets | $77,795,330 | 4,413 |
| Average earning assets | $73,509,000 | 4,380 |
| Average equity | $11,742,330 | 4,082 |
| Average total loans | $30,768,330 | 4,719 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2846% | 3,603 |
| Cost of funding earning assets | 0.7306% | 2,887 |
| Net interest margin | 3.5540% | 3,421 |
| Noninterest income to average assets | 0.3722% | 3,369 |
| Noninterest expense to average assets | 2.6672% | 3,007 |
| Loan and lease loss provision to assets | 0.0775% | 2,129 |
| Net operating income to assets | 0.8580% | 3,412 |
| Return on assets (ROA) | 0.8580% | 3,457 |
| Pretax return on assets | 0.9718% | 3,534 |
| Return on Equity (ROE) | 5.7077% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.7077% | 2,589 |
| Net charge-offs to loans | -0.0768% | 4,959 |
| Credit loss provision to net charge-offs | -250.0000% | 3,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7663% | 2,068 |
| Assets per employee ($millions) | 5.5237% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,126 |
| Loan loss allowance to noncurrent loans | 66.7984% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 2,137 |
| Noncurrent loans to loans | 1.6471% | 953 |
| Net loans and leases to total assets | 39.2890% | 4,911 |
| Net loans and leases to deposits | 46.5990% | 4,912 |
| Net loans and leases to core deposits | 54.9580% | 4,752 |
| Total domestic deposits to total assets | 84.3131% | 2,939 |
| Equity capital to assets | 15.3507% | 678 |
| Core capital (leverage) ratio | 15.1255% | 670 |
| Tier 1 risk-based capital ratio | 26.4084% | 661 |
| Total risk-based capital ratio | 27.1741% | 677 |
| Memoranda: | ||
| Average total assets | $77,385,000 | 4,465 |
| Average earning assets | $72,819,000 | 4,436 |
| Average equity | $11,633,500 | 4,109 |
| Average total loans | $31,259,000 | 4,765 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1959% | 3,454 |
| Cost of funding earning assets | 0.6140% | 2,628 |
| Net interest margin | 3.5819% | 3,443 |
| Noninterest income to average assets | 0.3664% | 3,648 |
| Noninterest expense to average assets | 2.7634% | 2,811 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8486% | 3,613 |
| Return on assets (ROA) | 0.8486% | 3,610 |
| Pretax return on assets | 0.9059% | 3,884 |
| Return on Equity (ROE) | 5.9236% | 4,198 |
| Retained earnings to average equity (ytd only) | 2.9485% | 3,928 |
| Net charge-offs to loans | 0.6903% | 237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 3.2072% | 3,438 |
| Efficiency ratio | 75.3121% | 1,452 |
| Assets per employee ($millions) | 5.5313% | 1,926 |
| Cash dividends to net income (ytd only)* | 50.2249% | 1,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9969% | 3,723 |
| Loan loss allowance to noncurrent loans | 307.7670% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.1330% | 4,159 |
| Noncurrent loans to loans | 0.3239% | 3,393 |
| Net loans and leases to total assets | 40.6519% | 4,922 |
| Net loans and leases to deposits | 47.7122% | 4,938 |
| Net loans and leases to core deposits | 55.8206% | 4,784 |
| Total domestic deposits to total assets | 85.2024% | 2,557 |
| Equity capital to assets | 14.7163% | 783 |
| Core capital (leverage) ratio | 14.7625% | 738 |
| Tier 1 risk-based capital ratio | 25.2145% | 728 |
| Total risk-based capital ratio | 25.9122% | 754 |
| Memoranda: | ||
| Average total assets | $78,598,400 | 4,447 |
| Average earning assets | $72,475,000 | 4,449 |
| Average equity | $11,260,000 | 4,122 |
| Average total loans | $32,161,000 | 4,761 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1353% | 3,515 |
| Cost of funding earning assets | 0.5934% | 2,519 |
| Net interest margin | 3.5419% | 3,552 |
| Noninterest income to average assets | 0.3617% | 3,714 |
| Noninterest expense to average assets | 2.6771% | 3,039 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8822% | 3,614 |
| Return on assets (ROA) | 0.8822% | 3,618 |
| Pretax return on assets | 0.9329% | 3,917 |
| Return on Equity (ROE) | 6.1997% | 4,200 |
| Retained earnings to average equity (ytd only) | 4.2163% | 3,666 |
| Net charge-offs to loans | 0.9095% | 157 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 2.5091% | 3,238 |
| Efficiency ratio | 74.1573% | 1,568 |
| Assets per employee ($millions) | 5.6301% | 1,795 |
| Cash dividends to net income (ytd only)* | 31.9923% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0280% | 3,598 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 38.8419% | 5,055 |
| Net loans and leases to deposits | 45.3161% | 5,074 |
| Net loans and leases to core deposits | 52.3404% | 4,958 |
| Total domestic deposits to total assets | 85.7134% | 2,319 |
| Equity capital to assets | 14.1801% | 905 |
| Core capital (leverage) ratio | 14.8189% | 749 |
| Tier 1 risk-based capital ratio | 24.8764% | 768 |
| Total risk-based capital ratio | 25.5631% | 791 |
| Memoranda: | ||
| Average total assets | $78,888,500 | 4,497 |
| Average earning assets | $72,351,000 | 4,498 |
| Average equity | $11,226,000 | 4,168 |
| Average total loans | $32,252,000 | 4,813 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 3,494 |
| Cost of funding earning assets | 0.5632% | 2,490 |
| Net interest margin | 3.5260% | 3,548 |
| Noninterest income to average assets | 0.3650% | 3,714 |
| Noninterest expense to average assets | 2.6897% | 3,046 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.8213% | 3,784 |
| Return on assets (ROA) | 0.8213% | 3,790 |
| Pretax return on assets | 0.8974% | 3,977 |
| Return on Equity (ROE) | 5.7639% | 4,323 |
| Retained earnings to average equity (ytd only) | 2.7930% | 4,137 |
| Net charge-offs to loans | 1.4071% | 91 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 1.5391% | 3,054 |
| Efficiency ratio | 74.9823% | 1,566 |
| Assets per employee ($millions) | 5.1434% | 2,246 |
| Cash dividends to net income (ytd only)* | 51.5432% | 1,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 3,909 |
| 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 | 40.0306% | 5,051 |
| Net loans and leases to deposits | 46.8266% | 5,065 |
| Net loans and leases to core deposits | 54.1910% | 4,930 |
| Total domestic deposits to total assets | 85.4869% | 2,501 |
| Equity capital to assets | 14.4600% | 815 |
| Core capital (leverage) ratio | 14.5437% | 770 |
| Tier 1 risk-based capital ratio | 24.5587% | 783 |
| Total risk-based capital ratio | 25.2288% | 805 |
| Memoranda: | ||
| Average total assets | $78,895,000 | 4,537 |
| Average earning assets | $72,092,330 | 4,546 |
| Average equity | $11,242,330 | 4,197 |
| Average total loans | $32,691,330 | 4,847 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 3,720 |
| Cost of funding earning assets | 0.5429% | 2,456 |
| Net interest margin | 3.4276% | 3,788 |
| Noninterest income to average assets | 0.3661% | 3,693 |
| Noninterest expense to average assets | 2.6678% | 3,137 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8324% | 3,584 |
| Return on assets (ROA) | 0.8324% | 3,598 |
| Pretax return on assets | 0.8324% | 4,076 |
| Return on Equity (ROE) | 5.8837% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.8837% | 2,762 |
| Net charge-offs to loans | 1.2201% | 118 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 1.6275% | 2,540 |
| Efficiency ratio | 76.2178% | 1,561 |
| Assets per employee ($millions) | 5.2390% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 2,238 |
| 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 | 42.0805% | 4,978 |
| Net loans and leases to deposits | 49.1608% | 5,001 |
| Net loans and leases to core deposits | 56.6959% | 4,811 |
| Total domestic deposits to total assets | 85.5978% | 2,713 |
| Equity capital to assets | 14.2953% | 820 |
| Core capital (leverage) ratio | 14.0882% | 859 |
| Tier 1 risk-based capital ratio | 23.3009% | 915 |
| Total risk-based capital ratio | 24.2121% | 923 |
| Memoranda: | ||
| Average total assets | $79,767,000 | 4,574 |
| Average earning assets | $72,937,000 | 4,578 |
| Average equity | $11,285,500 | 4,231 |
| Average total loans | $33,440,500 | 4,881 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2453% | 2,518 |
| Cost of funding earning assets | 0.4980% | 2,349 |
| Net interest margin | 3.7473% | 2,613 |
| Noninterest income to average assets | 0.3542% | 3,932 |
| Noninterest expense to average assets | 2.7052% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9240% | 2,575 |
| Return on assets (ROA) | 0.9240% | 2,602 |
| Pretax return on assets | 1.0639% | 3,325 |
| Return on Equity (ROE) | 6.4688% | 3,544 |
| Retained earnings to average equity (ytd only) | 3.5212% | 3,168 |
| Net charge-offs to loans | -0.1375% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7726% | 2,260 |
| Assets per employee ($millions) | 5.3966% | 2,052 |
| Cash dividends to net income (ytd only)* | 45.5662% | 2,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 1,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 40.5663% | 5,111 |
| Net loans and leases to deposits | 47.2143% | 5,154 |
| Net loans and leases to core deposits | 54.1586% | 4,997 |
| Total domestic deposits to total assets | 85.9195% | 2,478 |
| Equity capital to assets | 14.0051% | 912 |
| Core capital (leverage) ratio | 13.6937% | 911 |
| Tier 1 risk-based capital ratio | 23.1719% | 890 |
| Total risk-based capital ratio | 24.3060% | 889 |
| Memoranda: | ||
| Average total assets | $79,328,400 | 4,607 |
| Average earning assets | $72,291,400 | 4,616 |
| Average equity | $11,331,400 | 4,250 |
| Average total loans | $34,192,800 | 4,895 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1949% | 2,635 |
| Cost of funding earning assets | 0.4917% | 2,343 |
| Net interest margin | 3.7032% | 2,749 |
| Noninterest income to average assets | 0.3548% | 3,999 |
| Noninterest expense to average assets | 2.6438% | 3,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9443% | 2,809 |
| Return on assets (ROA) | 0.9443% | 2,870 |
| Pretax return on assets | 1.0829% | 3,370 |
| Return on Equity (ROE) | 6.5782% | 3,871 |
| Retained earnings to average equity (ytd only) | 4.6130% | 3,134 |
| Net charge-offs to loans | -0.0233% | 4,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9429% | 2,376 |
| Assets per employee ($millions) | 5.2560% | 2,165 |
| Cash dividends to net income (ytd only)* | 29.8748% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 1,528 |
| Loan loss allowance to noncurrent loans | 108.0260% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.5847% | 2,758 |
| Noncurrent loans to loans | 1.3894% | 1,347 |
| Net loans and leases to total assets | 41.4523% | 5,137 |
| Net loans and leases to deposits | 48.7500% | 5,167 |
| Net loans and leases to core deposits | 56.2825% | 4,989 |
| Total domestic deposits to total assets | 85.0304% | 2,699 |
| Equity capital to assets | 14.6778% | 813 |
| Core capital (leverage) ratio | 13.8491% | 929 |
| Tier 1 risk-based capital ratio | 23.3191% | 918 |
| Total risk-based capital ratio | 24.3851% | 919 |
| Memoranda: | ||
| Average total assets | $78,923,250 | 4,658 |
| Average earning assets | $71,864,000 | 4,673 |
| Average equity | $11,330,000 | 4,289 |
| Average total loans | $34,397,000 | 4,937 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3119% | 2,088 |
| Cost of funding earning assets | 0.4924% | 2,237 |
| Net interest margin | 3.8195% | 2,210 |
| Noninterest income to average assets | 0.3445% | 4,085 |
| Noninterest expense to average assets | 2.6421% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0209% | 2,328 |
| Return on assets (ROA) | 1.0209% | 2,373 |
| Pretax return on assets | 1.1805% | 2,850 |
| Return on Equity (ROE) | 7.1649% | 3,471 |
| Retained earnings to average equity (ytd only) | 4.1958% | 3,213 |
| Net charge-offs to loans | -0.2414% | 5,607 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1186% | 2,826 |
| Assets per employee ($millions) | 5.2430% | 2,117 |
| Cash dividends to net income (ytd only)* | 41.4392% | 2,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5401% | 1,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 43.4077% | 5,073 |
| Net loans and leases to deposits | 51.0101% | 5,104 |
| Net loans and leases to core deposits | 59.5112% | 4,844 |
| Total domestic deposits to total assets | 85.0963% | 2,770 |
| Equity capital to assets | 14.5871% | 805 |
| Core capital (leverage) ratio | 13.7616% | 922 |
| Tier 1 risk-based capital ratio | 22.6013% | 982 |
| Total risk-based capital ratio | 23.7127% | 981 |
| Memoranda: | ||
| Average total assets | $78,951,000 | 4,685 |
| Average earning assets | $71,893,330 | 4,699 |
| Average equity | $11,249,330 | 4,317 |
| Average total loans | $34,803,000 | 4,959 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3340% | 1,869 |
| Cost of funding earning assets | 0.4896% | 2,168 |
| Net interest margin | 3.8444% | 1,972 |
| Noninterest income to average assets | 0.3489% | 4,053 |
| Noninterest expense to average assets | 2.6193% | 3,419 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0872% | 1,927 |
| Return on assets (ROA) | 1.0872% | 1,970 |
| Pretax return on assets | 1.2237% | 2,498 |
| Return on Equity (ROE) | 7.7213% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.7213% | 1,567 |
| Net charge-offs to loans | -0.9407% | 5,781 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1579% | 3,167 |
| Assets per employee ($millions) | 5.1763% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6789% | 1,189 |
| Loan loss allowance to noncurrent loans | 1,334.8837% | 477 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 5,073 |
| Noncurrent loans to loans | 0.1258% | 4,685 |
| Net loans and leases to total assets | 43.2938% | 5,077 |
| Net loans and leases to deposits | 50.8040% | 5,079 |
| Net loans and leases to core deposits | 58.5240% | 4,852 |
| Total domestic deposits to total assets | 85.2171% | 2,997 |
| Equity capital to assets | 14.5394% | 743 |
| Core capital (leverage) ratio | 13.5733% | 953 |
| Tier 1 risk-based capital ratio | 23.1575% | 956 |
| Total risk-based capital ratio | 24.3655% | 948 |
| Memoranda: | ||
| Average total assets | $79,104,000 | 4,730 |
| Average earning assets | $71,896,500 | 4,749 |
| Average equity | $11,138,000 | 4,361 |
| Average total loans | $34,868,500 | 5,005 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5196% | 1,483 |
| Cost of funding earning assets | 0.5025% | 2,072 |
| Net interest margin | 4.0171% | 1,587 |
| Noninterest income to average assets | 0.3549% | 4,198 |
| Noninterest expense to average assets | 2.7682% | 3,124 |
| Loan and lease loss provision to assets | 0.0884% | 2,598 |
| Net operating income to assets | 0.9572% | 2,548 |
| Return on assets (ROA) | 0.9572% | 2,657 |
| Pretax return on assets | 1.1126% | 3,054 |
| Return on Equity (ROE) | 6.7815% | 3,597 |
| Retained earnings to average equity (ytd only) | 4.2139% | 2,909 |
| Net charge-offs to loans | -0.0275% | 5,214 |
| Credit loss provision to net charge-offs | -700.0000% | 5,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7423% | 2,950 |
| Assets per employee ($millions) | 5.3709% | 1,987 |
| Cash dividends to net income (ytd only)* | 37.8628% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 2,147 |
| 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 | 43.5132% | 5,144 |
| Net loans and leases to deposits | 50.4642% | 5,189 |
| Net loans and leases to core deposits | 57.6788% | 4,990 |
| Total domestic deposits to total assets | 86.2259% | 2,483 |
| Equity capital to assets | 13.6376% | 1,001 |
| Core capital (leverage) ratio | 13.1988% | 1,061 |
| Tier 1 risk-based capital ratio | 21.9768% | 1,085 |
| Total risk-based capital ratio | 22.9916% | 1,090 |
| Memoranda: | ||
| Average total assets | $79,185,200 | 4,747 |
| Average earning assets | $71,245,600 | 4,776 |
| Average equity | $11,177,400 | 4,400 |
| Average total loans | $36,377,600 | 5,008 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 1,409 |
| Cost of funding earning assets | 0.5043% | 2,065 |
| Net interest margin | 4.0438% | 1,548 |
| Noninterest income to average assets | 0.3585% | 4,213 |
| Noninterest expense to average assets | 2.7413% | 3,209 |
| Loan and lease loss provision to assets | 0.1184% | 1,954 |
| Net operating income to assets | 0.9842% | 2,502 |
| Return on assets (ROA) | 0.9842% | 2,640 |
| Pretax return on assets | 1.1331% | 3,103 |
| Return on Equity (ROE) | 6.9130% | 3,605 |
| Retained earnings to average equity (ytd only) | 5.2026% | 2,696 |
| Net charge-offs to loans | -0.0255% | 5,097 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6573% | 3,106 |
| Assets per employee ($millions) | 5.2953% | 2,052 |
| Cash dividends to net income (ytd only)* | 24.7429% | 3,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 2,579 |
| 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 | 46.0368% | 5,093 |
| Net loans and leases to deposits | 54.1380% | 5,104 |
| Net loans and leases to core deposits | 62.1169% | 4,822 |
| Total domestic deposits to total assets | 85.0359% | 2,789 |
| Equity capital to assets | 14.4215% | 897 |
| Core capital (leverage) ratio | 13.5231% | 989 |
| Tier 1 risk-based capital ratio | 21.8919% | 1,154 |
| Total risk-based capital ratio | 22.9000% | 1,159 |
| Memoranda: | ||
| Average total assets | $78,840,500 | 4,789 |
| Average earning assets | $70,855,000 | 4,821 |
| Average equity | $11,225,000 | 4,428 |
| Average total loans | $36,585,000 | 5,039 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5637% | 1,347 |
| Cost of funding earning assets | 0.5093% | 2,030 |
| Net interest margin | 4.0544% | 1,494 |
| Noninterest income to average assets | 0.3535% | 4,242 |
| Noninterest expense to average assets | 2.7567% | 3,172 |
| Loan and lease loss provision to assets | 0.1526% | 1,498 |
| Net operating income to assets | 0.9613% | 2,569 |
| Return on assets (ROA) | 0.9613% | 2,721 |
| Pretax return on assets | 1.0884% | 3,246 |
| Return on Equity (ROE) | 6.7813% | 3,655 |
| Retained earnings to average equity (ytd only) | 4.2159% | 3,229 |
| Net charge-offs to loans | -0.0220% | 4,984 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9567% | 3,161 |
| Assets per employee ($millions) | 5.1789% | 2,110 |
| Cash dividends to net income (ytd only)* | 37.8307% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 2,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 45.7906% | 5,142 |
| Net loans and leases to deposits | 54.0526% | 5,135 |
| Net loans and leases to core deposits | 61.9549% | 4,892 |
| Total domestic deposits to total assets | 84.7150% | 2,996 |
| Equity capital to assets | 14.6324% | 837 |
| Core capital (leverage) ratio | 13.1710% | 1,094 |
| Tier 1 risk-based capital ratio | 21.9967% | 1,137 |
| Total risk-based capital ratio | 23.0020% | 1,150 |
| Memoranda: | ||
| Average total assets | $78,644,000 | 4,845 |
| Average earning assets | $70,688,000 | 4,865 |
| Average equity | $11,148,330 | 4,468 |
| Average total loans | $36,428,000 | 5,091 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5881% | 1,293 |
| Cost of funding earning assets | 0.5123% | 2,005 |
| Net interest margin | 4.0758% | 1,413 |
| Noninterest income to average assets | 0.3438% | 4,271 |
| Noninterest expense to average assets | 2.7552% | 3,222 |
| Loan and lease loss provision to assets | 0.1517% | 1,397 |
| Net operating income to assets | 0.9757% | 2,393 |
| Return on assets (ROA) | 0.9757% | 2,501 |
| Pretax return on assets | 1.0970% | 3,104 |
| Return on Equity (ROE) | 6.9934% | 3,460 |
| Retained earnings to average equity (ytd only) | 6.9934% | 1,890 |
| Net charge-offs to loans | 0.0109% | 2,756 |
| Credit loss provision to net charge-offs | 3,000.0000% | 136 |
| Earnings coverage of net charge-offs (x) | 247.0000% | 249 |
| Efficiency ratio | 68.8131% | 3,328 |
| Assets per employee ($millions) | 5.2784% | 2,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1953% | 3,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 46.0417% | 5,110 |
| Net loans and leases to deposits | 54.1101% | 5,096 |
| Net loans and leases to core deposits | 62.4597% | 4,789 |
| Total domestic deposits to total assets | 85.0889% | 3,094 |
| Equity capital to assets | 14.1331% | 934 |
| Core capital (leverage) ratio | 13.0533% | 1,139 |
| Tier 1 risk-based capital ratio | 21.3114% | 1,258 |
| Total risk-based capital ratio | 22.2181% | 1,296 |
| Memoranda: | ||
| Average total assets | $79,124,000 | 4,876 |
| Average earning assets | $71,053,000 | 4,898 |
| Average equity | $11,039,000 | 4,499 |
| Average total loans | $36,618,000 | 5,124 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5078% | 1,566 |
| Cost of funding earning assets | 0.5162% | 2,025 |
| Net interest margin | 3.9916% | 1,742 |
| Noninterest income to average assets | 0.3498% | 4,403 |
| Noninterest expense to average assets | 2.7627% | 3,376 |
| Loan and lease loss provision to assets | 0.0631% | 3,034 |
| Net operating income to assets | 0.9642% | 2,560 |
| Return on assets (ROA) | 1.0404% | 2,254 |
| Pretax return on assets | 1.2260% | 2,566 |
| Return on Equity (ROE) | 7.6800% | 3,147 |
| Retained earnings to average equity (ytd only) | 5.0050% | 2,412 |
| Net charge-offs to loans | 0.0178% | 3,929 |
| Credit loss provision to net charge-offs | 833.3333% | 409 |
| Earnings coverage of net charge-offs (x) | 158.3333% | 403 |
| Efficiency ratio | 69.7259% | 3,265 |
| Assets per employee ($millions) | 5.2715% | 2,040 |
| Cash dividends to net income (ytd only)* | 34.8301% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1337% | 3,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 45.4383% | 5,195 |
| Net loans and leases to deposits | 53.1046% | 5,212 |
| Net loans and leases to core deposits | 61.1974% | 4,917 |
| Total domestic deposits to total assets | 85.5638% | 2,834 |
| Equity capital to assets | 13.7697% | 1,014 |
| Core capital (leverage) ratio | 12.7739% | 1,237 |
| Tier 1 risk-based capital ratio | 20.8963% | 1,318 |
| Total risk-based capital ratio | 21.7416% | 1,359 |
| Memoranda: | ||
| Average total assets | $79,198,000 | 4,890 |
| Average earning assets | $71,675,800 | 4,901 |
| Average equity | $10,729,200 | 4,535 |
| Average total loans | $33,793,200 | 5,233 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 1,600 |
| Cost of funding earning assets | 0.5166% | 2,069 |
| Net interest margin | 3.9804% | 1,765 |
| Noninterest income to average assets | 0.3483% | 4,448 |
| Noninterest expense to average assets | 2.7447% | 3,407 |
| Loan and lease loss provision to assets | 0.0505% | 3,197 |
| Net operating income to assets | 1.0084% | 2,431 |
| Return on assets (ROA) | 1.1124% | 2,030 |
| Pretax return on assets | 1.2773% | 2,486 |
| Return on Equity (ROE) | 8.2446% | 2,946 |
| Retained earnings to average equity (ytd only) | 6.4610% | 1,983 |
| Net charge-offs to loans | 0.0362% | 3,184 |
| Credit loss provision to net charge-offs | 333.3333% | 877 |
| Earnings coverage of net charge-offs (x) | 79.7758% | 745 |
| Efficiency ratio | 69.4338% | 3,305 |
| Assets per employee ($millions) | 5.2483% | 2,004 |
| Cash dividends to net income (ytd only)* | 21.6337% | 3,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1355% | 4,027 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 43.0232% | 5,421 |
| Net loans and leases to deposits | 50.3531% | 5,458 |
| Net loans and leases to core deposits | 58.0841% | 5,188 |
| Total domestic deposits to total assets | 85.4430% | 2,809 |
| Equity capital to assets | 13.8673% | 1,078 |
| Core capital (leverage) ratio | 13.0084% | 1,200 |
| Tier 1 risk-based capital ratio | 21.5229% | 1,266 |
| Total risk-based capital ratio | 22.3464% | 1,309 |
| Memoranda: | ||
| Average total assets | $79,229,500 | 4,944 |
| Average earning assets | $71,749,250 | 4,954 |
| Average equity | $10,689,500 | 4,587 |
| Average total loans | $33,156,250 | 5,317 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 1,651 |
| Cost of funding earning assets | 0.5135% | 2,130 |
| Net interest margin | 3.9480% | 1,817 |
| Noninterest income to average assets | 0.3426% | 4,504 |
| Noninterest expense to average assets | 2.7255% | 3,509 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0211% | 2,285 |
| Return on assets (ROA) | 1.1713% | 1,766 |
| Pretax return on assets | 1.3980% | 1,984 |
| Return on Equity (ROE) | 8.7623% | 2,678 |
| Retained earnings to average equity (ytd only) | 6.0676% | 2,201 |
| Net charge-offs to loans | 0.2074% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 14.2353% | 2,073 |
| Efficiency ratio | 69.0932% | 3,473 |
| Assets per employee ($millions) | 5.1756% | 2,065 |
| Cash dividends to net income (ytd only)* | 30.7527% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9874% | 4,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 43.1409% | 5,430 |
| Net loans and leases to deposits | 50.2355% | 5,492 |
| Net loans and leases to core deposits | 58.0229% | 5,191 |
| Total domestic deposits to total assets | 85.8773% | 2,757 |
| Equity capital to assets | 13.6203% | 1,121 |
| Core capital (leverage) ratio | 12.6990% | 1,295 |
| Tier 1 risk-based capital ratio | 22.1103% | 1,190 |
| Total risk-based capital ratio | 22.8497% | 1,251 |
| Memoranda: | ||
| Average total assets | $79,397,670 | 4,991 |
| Average earning assets | $72,441,670 | 4,990 |
| Average equity | $10,613,670 | 4,634 |
| Average total loans | $32,788,670 | 5,380 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3069% | 2,075 |
| Cost of funding earning assets | 0.4882% | 2,398 |
| Net interest margin | 3.8187% | 2,172 |
| Noninterest income to average assets | 0.3538% | 4,372 |
| Noninterest expense to average assets | 2.8949% | 2,923 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0115% | 2,210 |
| Return on assets (ROA) | 1.0115% | 2,346 |
| Pretax return on assets | 0.9666% | 3,624 |
| Return on Equity (ROE) | 7.6362% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.6362% | 1,707 |
| Net charge-offs to loans | -0.0496% | 5,508 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9677% | 2,653 |
| Assets per employee ($millions) | 5.2699% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1685% | 4,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 39.8037% | 5,609 |
| Net loans and leases to deposits | 46.4832% | 5,642 |
| Net loans and leases to core deposits | 53.0099% | 5,428 |
| Total domestic deposits to total assets | 85.6302% | 3,122 |
| Equity capital to assets | 13.6892% | 1,095 |
| Core capital (leverage) ratio | 12.3713% | 1,415 |
| Tier 1 risk-based capital ratio | 21.7846% | 1,278 |
| Total risk-based capital ratio | 23.0341% | 1,252 |
| Memoranda: | ||
| Average total assets | $80,279,500 | 5,017 |
| Average earning assets | $73,741,500 | 5,007 |
| Average equity | $10,633,500 | 4,667 |
| Average total loans | $32,270,000 | 5,432 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 2,387 |
| Cost of funding earning assets | 0.5449% | 2,247 |
| Net interest margin | 3.8100% | 2,591 |
| Noninterest income to average assets | 0.4404% | 3,897 |
| Noninterest expense to average assets | 2.7326% | 3,739 |
| Loan and lease loss provision to assets | 0.0123% | 4,373 |
| Net operating income to assets | 1.0104% | 2,336 |
| Return on assets (ROA) | 1.0104% | 2,417 |
| Pretax return on assets | 1.1461% | 2,891 |
| Return on Equity (ROE) | 7.5014% | 3,371 |
| Retained earnings to average equity (ytd only) | -8.3623% | 6,278 |
| Net charge-offs to loans | 0.2073% | 2,009 |
| Credit loss provision to net charge-offs | 14.2857% | 4,049 |
| Earnings coverage of net charge-offs (x) | 13.4143% | 2,266 |
| Efficiency ratio | 70.2283% | 3,495 |
| Assets per employee ($millions) | 5.4341% | 1,825 |
| Cash dividends to net income (ytd only)* | 211.4774% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 4,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 39.6707% | 5,766 |
| Net loans and leases to deposits | 46.0594% | 5,792 |
| Net loans and leases to core deposits | 52.0198% | 5,612 |
| Total domestic deposits to total assets | 86.1295% | 2,764 |
| Equity capital to assets | 12.8154% | 1,457 |
| Core capital (leverage) ratio | 11.9876% | 1,627 |
| Tier 1 risk-based capital ratio | 21.7105% | 1,266 |
| Total risk-based capital ratio | 22.5234% | 1,323 |
| Memoranda: | ||
| Average total assets | $81,057,400 | 5,039 |
| Average earning assets | $73,412,600 | 5,054 |
| Average equity | $10,918,000 | 4,581 |
| Average total loans | $33,768,400 | 5,408 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3641% | 2,371 |
| Cost of funding earning assets | 0.5560% | 2,231 |
| Net interest margin | 3.8080% | 2,591 |
| Noninterest income to average assets | 0.4777% | 3,704 |
| Noninterest expense to average assets | 2.6750% | 3,919 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0871% | 2,086 |
| Return on assets (ROA) | 1.0871% | 2,157 |
| Pretax return on assets | 1.2321% | 2,643 |
| Return on Equity (ROE) | 7.9737% | 3,225 |
| Retained earnings to average equity (ytd only) | -6.0527% | 6,289 |
| Net charge-offs to loans | 0.0470% | 3,558 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 62.3319% | 839 |
| Efficiency ratio | 68.4654% | 3,768 |
| Assets per employee ($millions) | 5.4099% | 1,809 |
| Cash dividends to net income (ytd only)* | 175.9085% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 3,822 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 39.8925% | 5,820 |
| Net loans and leases to deposits | 46.2688% | 5,852 |
| Net loans and leases to core deposits | 52.6631% | 5,643 |
| Total domestic deposits to total assets | 86.2190% | 2,744 |
| Equity capital to assets | 13.2548% | 1,298 |
| Core capital (leverage) ratio | 12.6296% | 1,339 |
| Tier 1 risk-based capital ratio | 22.4795% | 1,190 |
| Total risk-based capital ratio | 23.3902% | 1,227 |
| Memoranda: | ||
| Average total assets | $80,944,000 | 5,095 |
| Average earning assets | $72,896,500 | 5,124 |
| Average equity | $11,036,000 | 4,589 |
| Average total loans | $34,034,500 | 5,451 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3946% | 2,194 |
| Cost of funding earning assets | 0.5569% | 2,292 |
| Net interest margin | 3.8376% | 2,425 |
| Noninterest income to average assets | 0.4971% | 3,500 |
| Noninterest expense to average assets | 2.6188% | 4,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1351% | 1,802 |
| Return on assets (ROA) | 1.1351% | 1,886 |
| Pretax return on assets | 1.3032% | 2,244 |
| Return on Equity (ROE) | 8.2485% | 2,959 |
| Retained earnings to average equity (ytd only) | 5.3552% | 2,730 |
| Net charge-offs to loans | 0.0871% | 2,822 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 35.1333% | 1,151 |
| Efficiency ratio | 66.7718% | 4,232 |
| Assets per employee ($millions) | 5.0829% | 2,111 |
| Cash dividends to net income (ytd only)* | 35.0763% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2113% | 4,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 41.4185% | 5,716 |
| Net loans and leases to deposits | 48.4606% | 5,748 |
| Net loans and leases to core deposits | 55.1971% | 5,469 |
| Total domestic deposits to total assets | 85.4684% | 3,300 |
| Equity capital to assets | 14.0988% | 932 |
| Core capital (leverage) ratio | 13.4860% | 979 |
| Tier 1 risk-based capital ratio | 23.9562% | 993 |
| Total risk-based capital ratio | 24.8507% | 1,013 |
| Memoranda: | ||
| Average total assets | $80,876,000 | 5,142 |
| Average earning assets | $72,180,000 | 5,175 |
| Average equity | $11,129,330 | 4,574 |
| Average total loans | $34,450,000 | 5,473 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3760% | 2,246 |
| Cost of funding earning assets | 0.5602% | 2,344 |
| Net interest margin | 3.8159% | 2,403 |
| Noninterest income to average assets | 0.6348% | 2,547 |
| Noninterest expense to average assets | 2.6683% | 4,047 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2945% | 1,234 |
| Return on assets (ROA) | 1.2945% | 1,279 |
| Pretax return on assets | 1.3788% | 1,822 |
| Return on Equity (ROE) | 9.5247% | 2,239 |
| Retained earnings to average equity (ytd only) | 9.5247% | 1,098 |
| Net charge-offs to loans | 0.2541% | 1,314 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 12.6364% | 1,709 |
| Efficiency ratio | 65.9314% | 4,540 |
| Assets per employee ($millions) | 5.0880% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 4,735 |
| 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 | 41.7834% | 5,686 |
| Net loans and leases to deposits | 48.5804% | 5,696 |
| Net loans and leases to core deposits | 55.5102% | 5,388 |
| Total domestic deposits to total assets | 86.0087% | 3,357 |
| Equity capital to assets | 13.7358% | 1,019 |
| Core capital (leverage) ratio | 13.6459% | 936 |
| Tier 1 risk-based capital ratio | 23.8171% | 1,030 |
| Total risk-based capital ratio | 24.6967% | 1,064 |
| Memoranda: | ||
| Average total assets | $80,651,000 | 5,196 |
| Average earning assets | $72,120,000 | 5,222 |
| Average equity | $10,961,000 | 4,627 |
| Average total loans | $34,626,500 | 5,515 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 1,202 |
| Cost of funding earning assets | 0.6213% | 2,474 |
| Net interest margin | 4.2266% | 1,282 |
| Noninterest income to average assets | 0.3584% | 4,737 |
| Noninterest expense to average assets | 2.9084% | 3,345 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0097% | 2,285 |
| Return on assets (ROA) | 1.0097% | 2,348 |
| Pretax return on assets | 1.1706% | 2,686 |
| Return on Equity (ROE) | 7.2726% | 3,420 |
| Retained earnings to average equity (ytd only) | 4.3563% | 3,081 |
| Net charge-offs to loans | 0.0539% | 4,470 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 49.0000% | 808 |
| Efficiency ratio | 71.3009% | 3,610 |
| Assets per employee ($millions) | 4.6996% | 2,584 |
| Cash dividends to net income (ytd only)* | 40.0996% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2288% | 4,500 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 43.0621% | 5,753 |
| Net loans and leases to deposits | 49.8760% | 5,779 |
| Net loans and leases to core deposits | 56.8671% | 5,474 |
| Total domestic deposits to total assets | 86.3381% | 3,089 |
| Equity capital to assets | 13.4428% | 1,091 |
| Core capital (leverage) ratio | 13.2651% | 1,032 |
| Tier 1 risk-based capital ratio | 23.2491% | 1,062 |
| Total risk-based capital ratio | 24.1705% | 1,086 |
| Memoranda: | ||
| Average total assets | $79,529,600 | 5,247 |
| Average earning assets | $70,009,000 | 5,313 |
| Average equity | $11,041,400 | 4,625 |
| Average total loans | $35,241,400 | 5,523 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 1,043 |
| Cost of funding earning assets | 0.6328% | 2,521 |
| Net interest margin | 4.3091% | 1,072 |
| Noninterest income to average assets | 0.3558% | 4,848 |
| Noninterest expense to average assets | 2.9590% | 3,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0423% | 2,216 |
| Return on assets (ROA) | 1.0423% | 2,296 |
| Pretax return on assets | 1.1682% | 2,817 |
| Return on Equity (ROE) | 7.4480% | 3,411 |
| Retained earnings to average equity (ytd only) | 5.5171% | 2,714 |
| Net charge-offs to loans | -0.0905% | 6,471 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6958% | 3,463 |
| Assets per employee ($millions) | 4.6382% | 2,656 |
| Cash dividends to net income (ytd only)* | 25.9257% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 3,875 |
| Loan loss allowance to noncurrent loans | 47,100.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,537 |
| Noncurrent loans to loans | 0.0030% | 6,388 |
| Net loans and leases to total assets | 41.9346% | 5,907 |
| Net loans and leases to deposits | 48.7915% | 5,918 |
| Net loans and leases to core deposits | 55.7598% | 5,644 |
| Total domestic deposits to total assets | 85.9466% | 3,292 |
| Equity capital to assets | 13.7782% | 1,028 |
| Core capital (leverage) ratio | 13.6341% | 974 |
| Tier 1 risk-based capital ratio | 23.9699% | 1,009 |
| Total risk-based capital ratio | 25.0229% | 1,014 |
| Memoranda: | ||
| Average total assets | $79,438,500 | 5,299 |
| Average earning assets | $69,525,250 | 5,374 |
| Average equity | $11,116,750 | 4,664 |
| Average total loans | $35,343,750 | 5,570 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9500% | 997 |
| Cost of funding earning assets | 0.6455% | 2,535 |
| Net interest margin | 4.3044% | 1,021 |
| Noninterest income to average assets | 0.3365% | 4,991 |
| Noninterest expense to average assets | 2.8053% | 3,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1302% | 1,814 |
| Return on assets (ROA) | 1.1302% | 1,931 |
| Pretax return on assets | 1.3160% | 2,246 |
| Return on Equity (ROE) | 8.0350% | 3,077 |
| Retained earnings to average equity (ytd only) | 5.1603% | 2,954 |
| Net charge-offs to loans | -0.1168% | 6,539 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0683% | 4,170 |
| Assets per employee ($millions) | 4.3976% | 2,991 |
| Cash dividends to net income (ytd only)* | 35.7778% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 4,441 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 6,355 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 44.4489% | 5,700 |
| Net loans and leases to deposits | 51.6720% | 5,712 |
| Net loans and leases to core deposits | 59.2543% | 5,323 |
| Total domestic deposits to total assets | 86.0213% | 3,353 |
| Equity capital to assets | 13.6124% | 1,082 |
| Core capital (leverage) ratio | 13.1433% | 1,117 |
| Tier 1 risk-based capital ratio | 22.7006% | 1,183 |
| Total risk-based capital ratio | 23.7009% | 1,195 |
| Memoranda: | ||
| Average total assets | $79,635,000 | 5,328 |
| Average earning assets | $70,020,670 | 5,393 |
| Average equity | $11,201,000 | 4,684 |
| Average total loans | $35,946,330 | 5,577 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9687% | 958 |
| Cost of funding earning assets | 0.6545% | 2,615 |
| Net interest margin | 4.3141% | 946 |
| Noninterest income to average assets | 0.3155% | 5,169 |
| Noninterest expense to average assets | 2.7744% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2219% | 1,467 |
| Return on assets (ROA) | 1.2219% | 1,577 |
| Pretax return on assets | 1.3371% | 2,090 |
| Return on Equity (ROE) | 8.5509% | 2,686 |
| Retained earnings to average equity (ytd only) | 8.5509% | 1,541 |
| Net charge-offs to loans | -0.1995% | 6,676 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4787% | 4,416 |
| Assets per employee ($millions) | 4.4712% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2925% | 4,743 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0994% | 6,293 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 44.1242% | 5,651 |
| Net loans and leases to deposits | 51.9926% | 5,618 |
| Net loans and leases to core deposits | 59.5829% | 5,187 |
| Total domestic deposits to total assets | 84.8662% | 4,109 |
| Equity capital to assets | 14.2790% | 945 |
| Core capital (leverage) ratio | 13.1206% | 1,069 |
| Tier 1 risk-based capital ratio | 22.2718% | 1,281 |
| Total risk-based capital ratio | 23.2552% | 1,303 |
| Memoranda: | ||
| Average total assets | $79,874,500 | 5,369 |
| Average earning assets | $70,280,500 | 5,429 |
| Average equity | $11,414,000 | 4,698 |
| Average total loans | $36,093,500 | 5,614 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 1,508 |
| Cost of funding earning assets | 0.8534% | 2,264 |
| Net interest margin | 4.1654% | 1,757 |
| Noninterest income to average assets | 0.4730% | 4,080 |
| Noninterest expense to average assets | 2.7498% | 4,214 |
| Loan and lease loss provision to assets | 0.0310% | 5,509 |
| Net operating income to assets | 1.0908% | 1,970 |
| Return on assets (ROA) | 1.0908% | 2,156 |
| Pretax return on assets | 1.2455% | 2,618 |
| Return on Equity (ROE) | 7.6054% | 3,286 |
| Retained earnings to average equity (ytd only) | -2.4344% | 6,217 |
| Net charge-offs to loans | 0.1547% | 4,153 |
| Credit loss provision to net charge-offs | 44.6429% | 4,825 |
| Earnings coverage of net charge-offs (x) | 18.4107% | 1,440 |
| Efficiency ratio | 68.2964% | 4,087 |
| Assets per employee ($millions) | 4.4037% | 3,136 |
| Cash dividends to net income (ytd only)* | 132.0091% | 272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 4,960 |
| Loan loss allowance to noncurrent loans | 433.9806% | 923 |
| Noncurrent assets plus other real estate owned to assets | 0.4453% | 5,374 |
| Noncurrent loans to loans | 0.2845% | 5,770 |
| Net loans and leases to total assets | 45.1171% | 5,710 |
| Net loans and leases to deposits | 53.1752% | 5,724 |
| Net loans and leases to core deposits | 61.6603% | 5,192 |
| Total domestic deposits to total assets | 84.8462% | 3,924 |
| Equity capital to assets | 14.3010% | 937 |
| Core capital (leverage) ratio | 12.7904% | 1,204 |
| Tier 1 risk-based capital ratio | 21.6242% | 1,333 |
| Total risk-based capital ratio | 22.5625% | 1,371 |
| Memoranda: | ||
| Average total assets | $80,769,400 | 5,331 |
| Average earning assets | $68,900,200 | 5,468 |
| Average equity | $11,583,800 | 4,653 |
| Average total loans | $36,187,400 | 5,673 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0196% | 1,646 |
| Cost of funding earning assets | 0.8962% | 2,198 |
| Net interest margin | 4.1234% | 2,011 |
| Noninterest income to average assets | 0.4174% | 4,501 |
| Noninterest expense to average assets | 2.6684% | 4,506 |
| Loan and lease loss provision to assets | 0.0411% | 5,262 |
| Net operating income to assets | 1.0434% | 2,306 |
| Return on assets (ROA) | 1.0434% | 2,525 |
| Pretax return on assets | 1.1929% | 3,011 |
| Return on Equity (ROE) | 7.2700% | 3,651 |
| Retained earnings to average equity (ytd only) | 5.2779% | 3,172 |
| Net charge-offs to loans | 0.1658% | 3,792 |
| Credit loss provision to net charge-offs | 55.5556% | 4,263 |
| Earnings coverage of net charge-offs (x) | 16.6885% | 1,675 |
| Efficiency ratio | 68.3789% | 3,987 |
| Assets per employee ($millions) | 4.4665% | 2,967 |
| Cash dividends to net income (ytd only)* | 27.4009% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2428% | 5,082 |
| Loan loss allowance to noncurrent loans | 405.3097% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 5,389 |
| Noncurrent loans to loans | 0.3066% | 5,873 |
| Net loans and leases to total assets | 45.2679% | 5,845 |
| Net loans and leases to deposits | 53.8588% | 5,819 |
| Net loans and leases to core deposits | 62.0730% | 5,354 |
| Total domestic deposits to total assets | 84.0492% | 4,192 |
| Equity capital to assets | 15.0428% | 809 |
| Core capital (leverage) ratio | 13.8548% | 884 |
| Tier 1 risk-based capital ratio | 22.7962% | 1,199 |
| Total risk-based capital ratio | 23.7417% | 1,226 |
| Memoranda: | ||
| Average total assets | $81,145,000 | 5,378 |
| Average earning assets | $68,583,250 | 5,538 |
| Average equity | $11,645,750 | 4,681 |
| Average total loans | $36,181,750 | 5,744 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9886% | 1,815 |
| Cost of funding earning assets | 0.9393% | 2,122 |
| Net interest margin | 4.0492% | 2,299 |
| Noninterest income to average assets | 0.4128% | 4,559 |
| Noninterest expense to average assets | 2.8085% | 3,984 |
| Loan and lease loss provision to assets | 0.0614% | 4,879 |
| Net operating income to assets | 0.9018% | 2,898 |
| Return on assets (ROA) | 0.9018% | 3,168 |
| Pretax return on assets | 0.9853% | 3,765 |
| Return on Equity (ROE) | 6.3846% | 4,111 |
| Retained earnings to average equity (ytd only) | 3.3576% | 4,368 |
| Net charge-offs to loans | 0.1557% | 3,672 |
| Credit loss provision to net charge-offs | 89.2857% | 3,071 |
| Earnings coverage of net charge-offs (x) | 15.2143% | 1,657 |
| Efficiency ratio | 72.8489% | 3,263 |
| Assets per employee ($millions) | 4.2561% | 3,347 |
| Cash dividends to net income (ytd only)* | 47.4114% | 1,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3198% | 4,801 |
| Loan loss allowance to noncurrent loans | 2,159.0909% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.4229% | 5,725 |
| Noncurrent loans to loans | 0.0611% | 6,516 |
| Net loans and leases to total assets | 43.9201% | 6,022 |
| Net loans and leases to deposits | 51.9513% | 6,031 |
| Net loans and leases to core deposits | 59.5057% | 5,646 |
| Total domestic deposits to total assets | 84.5409% | 4,084 |
| Equity capital to assets | 14.4921% | 922 |
| Core capital (leverage) ratio | 13.2293% | 1,083 |
| Tier 1 risk-based capital ratio | 22.7029% | 1,175 |
| Total risk-based capital ratio | 23.7037% | 1,190 |
| Memoranda: | ||
| Average total assets | $81,394,330 | 5,399 |
| Average earning assets | $69,198,330 | 5,553 |
| Average equity | $11,496,330 | 4,715 |
| Average total loans | $35,958,330 | 5,786 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 1,855 |
| Cost of funding earning assets | 0.9892% | 2,041 |
| Net interest margin | 4.0202% | 2,417 |
| Noninterest income to average assets | 0.4702% | 4,144 |
| Noninterest expense to average assets | 2.9146% | 3,567 |
| Loan and lease loss provision to assets | 0.1225% | 3,813 |
| Net operating income to assets | 0.8180% | 3,306 |
| Return on assets (ROA) | 0.8180% | 3,535 |
| Pretax return on assets | 0.8572% | 4,200 |
| Return on Equity (ROE) | 5.8674% | 4,360 |
| Retained earnings to average equity (ytd only) | 5.8674% | 3,031 |
| Net charge-offs to loans | 0.3450% | 2,268 |
| Credit loss provision to net charge-offs | 80.6452% | 2,713 |
| Earnings coverage of net charge-offs (x) | 6.4516% | 2,208 |
| Efficiency ratio | 74.8428% | 2,964 |
| Assets per employee ($millions) | 4.3185% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 4,841 |
| Loan loss allowance to noncurrent loans | 80.0000% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 1.1091% | 4,277 |
| Noncurrent loans to loans | 1.6757% | 3,589 |
| Net loans and leases to total assets | 42.3359% | 6,166 |
| Net loans and leases to deposits | 49.5889% | 6,169 |
| Net loans and leases to core deposits | 56.8276% | 5,833 |
| Total domestic deposits to total assets | 85.3737% | 3,850 |
| Equity capital to assets | 13.9998% | 1,026 |
| Core capital (leverage) ratio | 13.0249% | 1,119 |
| Tier 1 risk-based capital ratio | 22.9398% | 1,142 |
| Total risk-based capital ratio | 23.9475% | 1,154 |
| Memoranda: | ||
| Average total assets | $81,659,000 | 5,421 |
| Average earning assets | $69,549,500 | 5,575 |
| Average equity | $11,385,000 | 4,751 |
| Average total loans | $35,942,000 | 5,828 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1274% | 2,342 |
| Cost of funding earning assets | 1.1397% | 2,414 |
| Net interest margin | 3.9877% | 2,947 |
| Noninterest income to average assets | 0.3886% | 4,718 |
| Noninterest expense to average assets | 2.9139% | 3,901 |
| Loan and lease loss provision to assets | 0.2047% | 4,137 |
| Net operating income to assets | 0.7496% | 3,260 |
| Return on assets (ROA) | 0.8998% | 2,739 |
| Pretax return on assets | 0.9452% | 3,445 |
| Return on Equity (ROE) | 6.7707% | 3,509 |
| Retained earnings to average equity (ytd only) | 3.5606% | 3,697 |
| Net charge-offs to loans | 0.0690% | 5,620 |
| Credit loss provision to net charge-offs | 618.5185% | 361 |
| Earnings coverage of net charge-offs (x) | 29.9630% | 845 |
| Efficiency ratio | 74.6077% | 3,125 |
| Assets per employee ($millions) | 4.2772% | 3,308 |
| Cash dividends to net income (ytd only)* | 47.4114% | 2,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3033% | 4,887 |
| Loan loss allowance to noncurrent loans | 620.7792% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 5,745 |
| Noncurrent loans to loans | 0.2100% | 6,323 |
| Net loans and leases to total assets | 44.5408% | 6,157 |
| Net loans and leases to deposits | 52.1789% | 6,196 |
| Net loans and leases to core deposits | 59.8753% | 5,858 |
| Total domestic deposits to total assets | 85.3618% | 3,661 |
| Equity capital to assets | 13.8839% | 1,109 |
| Core capital (leverage) ratio | 12.7864% | 1,232 |
| Tier 1 risk-based capital ratio | 22.1682% | 1,216 |
| Total risk-based capital ratio | 23.1692% | 1,218 |
| Memoranda: | ||
| Average total assets | $81,573,400 | 5,419 |
| Average earning assets | $71,947,000 | 5,472 |
| Average equity | $10,840,800 | 4,819 |
| Average total loans | $39,156,600 | 5,735 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2362% | 2,073 |
| Cost of funding earning assets | 1.1642% | 2,539 |
| Net interest margin | 4.0720% | 2,587 |
| Noninterest income to average assets | 0.5144% | 3,763 |
| Noninterest expense to average assets | 2.8070% | 4,318 |
| Loan and lease loss provision to assets | 0.2319% | 3,694 |
| Net operating income to assets | 1.0026% | 2,307 |
| Return on assets (ROA) | 1.0026% | 2,459 |
| Pretax return on assets | 1.0565% | 3,185 |
| Return on Equity (ROE) | 7.6294% | 3,209 |
| Retained earnings to average equity (ytd only) | 5.4673% | 2,876 |
| Net charge-offs to loans | 0.1039% | 4,961 |
| Credit loss provision to net charge-offs | 458.0645% | 606 |
| Earnings coverage of net charge-offs (x) | 25.4529% | 1,044 |
| Efficiency ratio | 68.5407% | 4,210 |
| Assets per employee ($millions) | 4.3637% | 3,151 |
| Cash dividends to net income (ytd only)* | 28.3381% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 5,736 |
| Loan loss allowance to noncurrent loans | 1,151.2821% | 321 |
| Noncurrent assets plus other real estate owned to assets | 1.1325% | 4,519 |
| Noncurrent loans to loans | 0.0989% | 6,683 |
| Net loans and leases to total assets | 47.0432% | 6,049 |
| Net loans and leases to deposits | 54.8942% | 6,131 |
| Net loans and leases to core deposits | 64.6554% | 5,552 |
| Total domestic deposits to total assets | 85.6979% | 3,387 |
| Equity capital to assets | 13.7304% | 1,274 |
| Core capital (leverage) ratio | 12.9752% | 1,238 |
| Tier 1 risk-based capital ratio | 20.9188% | 1,470 |
| Total risk-based capital ratio | 21.8013% | 1,518 |
| Memoranda: | ||
| Average total assets | $81,650,000 | 5,452 |
| Average earning assets | $71,806,500 | 5,523 |
| Average equity | $10,730,250 | 4,862 |
| Average total loans | $39,777,000 | 5,756 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3176% | 1,831 |
| Cost of funding earning assets | 1.1829% | 2,690 |
| Net interest margin | 4.1347% | 2,287 |
| Noninterest income to average assets | 0.4112% | 4,583 |
| Noninterest expense to average assets | 2.6690% | 4,944 |
| Loan and lease loss provision to assets | 0.2487% | 3,422 |
| Net operating income to assets | 1.0366% | 2,079 |
| Return on assets (ROA) | 1.0366% | 2,176 |
| Pretax return on assets | 1.1252% | 2,751 |
| Return on Equity (ROE) | 8.0096% | 2,943 |
| Retained earnings to average equity (ytd only) | 4.6992% | 3,196 |
| Net charge-offs to loans | 0.2006% | 3,942 |
| Credit loss provision to net charge-offs | 252.5000% | 1,198 |
| Earnings coverage of net charge-offs (x) | 13.9500% | 1,509 |
| Efficiency ratio | 66.0171% | 4,869 |
| Assets per employee ($millions) | 4.3046% | 3,163 |
| Cash dividends to net income (ytd only)* | 41.3302% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 6,376 |
| Loan loss allowance to noncurrent loans | 1,023.0769% | 367 |
| Noncurrent assets plus other real estate owned to assets | 1.3303% | 4,237 |
| Noncurrent loans to loans | 0.0966% | 6,731 |
| Net loans and leases to total assets | 48.8654% | 5,969 |
| Net loans and leases to deposits | 56.7747% | 6,069 |
| Net loans and leases to core deposits | 67.2398% | 5,364 |
| Total domestic deposits to total assets | 86.0689% | 3,290 |
| Equity capital to assets | 13.3406% | 1,360 |
| Core capital (leverage) ratio | 12.8674% | 1,214 |
| Tier 1 risk-based capital ratio | 20.3459% | 1,544 |
| Total risk-based capital ratio | 21.1231% | 1,606 |
| Memoranda: | ||
| Average total assets | $81,229,670 | 5,512 |
| Average earning assets | $71,348,000 | 5,578 |
| Average equity | $10,512,330 | 4,917 |
| Average total loans | $39,885,000 | 5,804 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2859% | 1,914 |
| Cost of funding earning assets | 1.1896% | 2,885 |
| Net interest margin | 4.0963% | 2,281 |
| Noninterest income to average assets | 0.4546% | 4,237 |
| Noninterest expense to average assets | 2.7177% | 4,766 |
| Loan and lease loss provision to assets | 0.2026% | 3,612 |
| Net operating income to assets | 1.1118% | 1,802 |
| Return on assets (ROA) | 1.1118% | 1,856 |
| Pretax return on assets | 1.1414% | 2,600 |
| Return on Equity (ROE) | 8.7268% | 2,598 |
| Retained earnings to average equity (ytd only) | 8.7268% | 1,483 |
| Net charge-offs to loans | 0.4843% | 2,261 |
| Credit loss provision to net charge-offs | 85.4167% | 3,030 |
| Earnings coverage of net charge-offs (x) | 5.6667% | 2,234 |
| Efficiency ratio | 66.9100% | 4,872 |
| Assets per employee ($millions) | 4.2409% | 3,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8310% | 6,860 |
| Loan loss allowance to noncurrent loans | 16,550.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 1.3205% | 4,324 |
| Noncurrent loans to loans | 0.0050% | 7,076 |
| Net loans and leases to total assets | 49.0239% | 5,957 |
| Net loans and leases to deposits | 56.4621% | 6,089 |
| Net loans and leases to core deposits | 66.9128% | 5,413 |
| Total domestic deposits to total assets | 86.8263% | 3,036 |
| Equity capital to assets | 13.0335% | 1,363 |
| Core capital (leverage) ratio | 12.9399% | 1,137 |
| Tier 1 risk-based capital ratio | 20.5338% | 1,467 |
| Total risk-based capital ratio | 21.1864% | 1,568 |
| Memoranda: | ||
| Average total assets | $80,950,500 | 5,565 |
| Average earning assets | $71,283,500 | 5,624 |
| Average equity | $10,313,000 | 4,961 |
| Average total loans | $39,645,000 | 5,867 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0869% | 4,154 |
| Cost of funding earning assets | 1.3728% | 3,441 |
| Net interest margin | 3.7141% | 4,290 |
| Noninterest income to average assets | 0.4018% | 4,898 |
| Noninterest expense to average assets | 2.8706% | 4,346 |
| Loan and lease loss provision to assets | 0.1821% | 5,400 |
| Net operating income to assets | 0.7865% | 2,861 |
| Return on assets (ROA) | 0.7865% | 2,986 |
| Pretax return on assets | 0.6724% | 4,085 |
| Return on Equity (ROE) | 6.2808% | 3,460 |
| Retained earnings to average equity (ytd only) | 3.1888% | 3,635 |
| Net charge-offs to loans | 0.2915% | 4,557 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 5.8667% | 2,508 |
| Efficiency ratio | 77.0609% | 2,861 |
| Assets per employee ($millions) | 4.2802% | 3,247 |
| Cash dividends to net income (ytd only)* | 49.2284% | 2,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8566% | 6,839 |
| Loan loss allowance to noncurrent loans | 169.0000% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 1.4301% | 4,194 |
| Noncurrent loans to loans | 0.5069% | 6,023 |
| Net loans and leases to total assets | 48.1027% | 6,381 |
| Net loans and leases to deposits | 55.1811% | 6,509 |
| Net loans and leases to core deposits | 65.2571% | 5,948 |
| Total domestic deposits to total assets | 87.1723% | 2,726 |
| Equity capital to assets | 12.4490% | 1,666 |
| Core capital (leverage) ratio | 12.1549% | 1,457 |
| Tier 1 risk-based capital ratio | 20.1430% | 1,460 |
| Total risk-based capital ratio | 20.8106% | 1,552 |
| Memoranda: | ||
| Average total assets | $82,388,000 | 5,514 |
| Average earning assets | $73,718,800 | 5,547 |
| Average equity | $10,317,200 | 5,034 |
| Average total loans | $41,163,200 | 5,875 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 4,423 |
| Cost of funding earning assets | 1.3972% | 3,602 |
| Net interest margin | 3.6838% | 4,490 |
| Noninterest income to average assets | 0.4017% | 4,942 |
| Noninterest expense to average assets | 2.8262% | 4,370 |
| Loan and lease loss provision to assets | 0.2420% | 4,666 |
| Net operating income to assets | 0.7324% | 3,274 |
| Return on assets (ROA) | 0.7324% | 3,432 |
| Pretax return on assets | 0.6340% | 4,473 |
| Return on Equity (ROE) | 5.8398% | 3,891 |
| Retained earnings to average equity (ytd only) | 3.9746% | 3,683 |
| Net charge-offs to loans | 0.4424% | 3,534 |
| Credit loss provision to net charge-offs | 108.6957% | 3,915 |
| Earnings coverage of net charge-offs (x) | 3.9347% | 3,247 |
| Efficiency ratio | 76.3399% | 2,883 |
| Assets per employee ($millions) | 4.4628% | 2,967 |
| Cash dividends to net income (ytd only)* | 31.9385% | 2,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7926% | 7,022 |
| Loan loss allowance to noncurrent loans | 48.9297% | 5,032 |
| Noncurrent assets plus other real estate owned to assets | 1.9801% | 3,492 |
| Noncurrent loans to loans | 1.6199% | 4,218 |
| Net loans and leases to total assets | 47.2357% | 6,586 |
| Net loans and leases to deposits | 54.4820% | 6,731 |
| Net loans and leases to core deposits | 64.5101% | 6,257 |
| Total domestic deposits to total assets | 86.6995% | 2,695 |
| Equity capital to assets | 12.6860% | 1,765 |
| Core capital (leverage) ratio | 12.1839% | 1,569 |
| Tier 1 risk-based capital ratio | 20.0189% | 1,548 |
| Total risk-based capital ratio | 20.6484% | 1,634 |
| Memoranda: | ||
| Average total assets | $82,654,000 | 5,572 |
| Average earning assets | $74,051,500 | 5,604 |
| Average equity | $10,365,500 | 5,097 |
| Average total loans | $41,589,750 | 5,938 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1167% | 4,366 |
| Cost of funding earning assets | 1.4353% | 3,638 |
| Net interest margin | 3.6814% | 4,444 |
| Noninterest income to average assets | 0.4003% | 4,914 |
| Noninterest expense to average assets | 2.7068% | 4,875 |
| Loan and lease loss provision to assets | 0.2929% | 4,043 |
| Net operating income to assets | 0.7981% | 2,986 |
| Return on assets (ROA) | 0.7981% | 3,127 |
| Pretax return on assets | 0.7249% | 4,155 |
| Return on Equity (ROE) | 6.3898% | 3,601 |
| Retained earnings to average equity (ytd only) | 3.5564% | 3,840 |
| Net charge-offs to loans | 0.6382% | 2,632 |
| Credit loss provision to net charge-offs | 89.5522% | 4,436 |
| Earnings coverage of net charge-offs (x) | 3.1119% | 3,448 |
| Efficiency ratio | 72.6737% | 3,713 |
| Assets per employee ($millions) | 4.3892% | 3,068 |
| Cash dividends to net income (ytd only)* | 44.3425% | 1,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 7,222 |
| Loan loss allowance to noncurrent loans | 42.5470% | 5,491 |
| Noncurrent assets plus other real estate owned to assets | 2.1236% | 3,345 |
| Noncurrent loans to loans | 1.6705% | 4,187 |
| Net loans and leases to total assets | 49.2500% | 6,524 |
| Net loans and leases to deposits | 56.6175% | 6,678 |
| Net loans and leases to core deposits | 66.9219% | 6,162 |
| Total domestic deposits to total assets | 86.9872% | 2,532 |
| Equity capital to assets | 12.4468% | 1,827 |
| Core capital (leverage) ratio | 12.1838% | 1,549 |
| Tier 1 risk-based capital ratio | 19.3122% | 1,649 |
| Total risk-based capital ratio | 19.8751% | 1,775 |
| Memoranda: | ||
| Average total assets | $81,940,670 | 5,629 |
| Average earning assets | $73,993,330 | 5,641 |
| Average equity | $10,235,000 | 5,135 |
| Average total loans | $41,995,330 | 5,958 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2388% | 3,838 |
| Cost of funding earning assets | 1.4937% | 3,604 |
| Net interest margin | 3.7451% | 4,028 |
| Noninterest income to average assets | 0.3300% | 5,503 |
| Noninterest expense to average assets | 2.6350% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.9851% | 2,240 |
| Return on assets (ROA) | 0.9851% | 2,301 |
| Pretax return on assets | 1.0786% | 2,806 |
| Return on Equity (ROE) | 7.8721% | 2,951 |
| Retained earnings to average equity (ytd only) | 7.8721% | 1,762 |
| Net charge-offs to loans | 1.2007% | 1,417 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.7244% | 3,697 |
| Efficiency ratio | 70.9549% | 4,127 |
| Assets per employee ($millions) | 4.3298% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4304% | 7,668 |
| Loan loss allowance to noncurrent loans | 25.9684% | 6,676 |
| Noncurrent assets plus other real estate owned to assets | 2.1965% | 3,280 |
| Noncurrent loans to loans | 1.6574% | 4,263 |
| Net loans and leases to total assets | 50.9001% | 6,384 |
| Net loans and leases to deposits | 58.4384% | 6,597 |
| Net loans and leases to core deposits | 70.1372% | 5,905 |
| Total domestic deposits to total assets | 87.1005% | 2,577 |
| Equity capital to assets | 12.4655% | 1,778 |
| Core capital (leverage) ratio | 12.4286% | 1,436 |
| Tier 1 risk-based capital ratio | 19.3427% | 1,648 |
| Total risk-based capital ratio | 19.6869% | 1,818 |
| Memoranda: | ||
| Average total assets | $81,213,500 | 5,732 |
| Average earning assets | $73,375,000 | 5,730 |
| Average equity | $10,162,500 | 5,193 |
| Average total loans | $42,310,000 | 6,010 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3559% | 4,915 |
| Cost of funding earning assets | 1.9843% | 3,034 |
| Net interest margin | 3.3715% | 5,490 |
| Noninterest income to average assets | 0.3774% | 5,392 |
| Noninterest expense to average assets | 2.6550% | 5,578 |
| Loan and lease loss provision to assets | 0.1442% | 6,202 |
| Net operating income to assets | 0.7055% | 2,906 |
| Return on assets (ROA) | 0.7055% | 2,976 |
| Pretax return on assets | 0.6454% | 3,764 |
| Return on Equity (ROE) | 6.0082% | 3,205 |
| Retained earnings to average equity (ytd only) | 3.0399% | 3,036 |
| Net charge-offs to loans | 0.2040% | 5,357 |
| Credit loss provision to net charge-offs | 131.8681% | 3,815 |
| Earnings coverage of net charge-offs (x) | 7.2198% | 2,194 |
| Efficiency ratio | 77.0761% | 3,353 |
| Assets per employee ($millions) | 3.4852% | 5,035 |
| Cash dividends to net income (ytd only)* | 49.4037% | 2,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7259% | 7,321 |
| Loan loss allowance to noncurrent loans | 36.9617% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 2.3141% | 2,987 |
| Noncurrent loans to loans | 1.9641% | 3,707 |
| Net loans and leases to total assets | 52.7146% | 6,340 |
| Net loans and leases to deposits | 60.6551% | 6,589 |
| Net loans and leases to core deposits | 103.5762% | 3,617 |
| Total domestic deposits to total assets | 86.9087% | 2,560 |
| Equity capital to assets | 12.5624% | 1,718 |
| Core capital (leverage) ratio | 11.9696% | 1,675 |
| Tier 1 risk-based capital ratio | 19.2077% | 1,608 |
| Total risk-based capital ratio | 19.8056% | 1,702 |
| Memoranda: | ||
| Average total assets | $83,202,800 | 5,621 |
| Average earning assets | $75,692,600 | 5,612 |
| Average equity | $9,770,000 | 5,362 |
| Average total loans | $44,615,000 | 5,900 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 5,079 |
| Cost of funding earning assets | 2.0802% | 2,985 |
| Net interest margin | 3.2923% | 5,667 |
| Noninterest income to average assets | 0.3112% | 5,994 |
| Noninterest expense to average assets | 2.5471% | 5,905 |
| Loan and lease loss provision to assets | 0.1906% | 5,470 |
| Net operating income to assets | 0.6399% | 3,453 |
| Return on assets (ROA) | 0.6399% | 3,523 |
| Pretax return on assets | 0.5669% | 4,308 |
| Return on Equity (ROE) | 5.5422% | 3,714 |
| Retained earnings to average equity (ytd only) | 3.5481% | 3,306 |
| Net charge-offs to loans | 0.1773% | 4,982 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 7.9498% | 2,327 |
| Efficiency ratio | 77.0783% | 3,305 |
| Assets per employee ($millions) | 4.1841% | 3,407 |
| Cash dividends to net income (ytd only)* | 35.9804% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7743% | 7,197 |
| Loan loss allowance to noncurrent loans | 56.0331% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.9407% | 3,432 |
| Noncurrent loans to loans | 1.3819% | 4,605 |
| Net loans and leases to total assets | 51.9138% | 6,604 |
| Net loans and leases to deposits | 59.5047% | 6,866 |
| Net loans and leases to core deposits | 100.2539% | 4,341 |
| Total domestic deposits to total assets | 87.2432% | 2,055 |
| Equity capital to assets | 12.2764% | 2,082 |
| Core capital (leverage) ratio | 11.8144% | 1,897 |
| Tier 1 risk-based capital ratio | 18.8544% | 1,779 |
| Total risk-based capital ratio | 19.5058% | 1,865 |
| Memoranda: | ||
| Average total assets | $83,963,500 | 5,621 |
| Average earning assets | $76,338,000 | 5,622 |
| Average equity | $9,695,000 | 5,430 |
| Average total loans | $45,127,500 | 5,922 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3901% | 5,198 |
| Cost of funding earning assets | 2.1769% | 2,904 |
| Net interest margin | 3.2132% | 5,869 |
| Noninterest income to average assets | 0.2451% | 6,532 |
| Noninterest expense to average assets | 2.4221% | 6,394 |
| Loan and lease loss provision to assets | 0.2141% | 4,904 |
| Net operating income to assets | 0.4426% | 4,322 |
| Return on assets (ROA) | 0.4426% | 4,430 |
| Pretax return on assets | 0.5377% | 4,506 |
| Return on Equity (ROE) | 3.9148% | 4,528 |
| Retained earnings to average equity (ytd only) | 0.8629% | 4,837 |
| Net charge-offs to loans | 0.4037% | 3,179 |
| Credit loss provision to net charge-offs | 97.8261% | 4,683 |
| Earnings coverage of net charge-offs (x) | 3.4348% | 3,438 |
| Efficiency ratio | 76.3118% | 3,636 |
| Assets per employee ($millions) | 4.1896% | 3,316 |
| Cash dividends to net income (ytd only)* | 77.9570% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6287% | 7,579 |
| Loan loss allowance to noncurrent loans | 34.4527% | 6,150 |
| Noncurrent assets plus other real estate owned to assets | 2.3296% | 2,789 |
| Noncurrent loans to loans | 1.8249% | 3,774 |
| Net loans and leases to total assets | 52.2496% | 6,653 |
| Net loans and leases to deposits | 59.1611% | 6,953 |
| Net loans and leases to core deposits | 100.0869% | 4,500 |
| Total domestic deposits to total assets | 88.3175% | 1,616 |
| Equity capital to assets | 11.3018% | 2,681 |
| Core capital (leverage) ratio | 11.3954% | 2,135 |
| Tier 1 risk-based capital ratio | 18.3906% | 1,900 |
| Total risk-based capital ratio | 18.9248% | 2,051 |
| Memoranda: | ||
| Average total assets | $84,057,670 | 5,654 |
| Average earning assets | $76,622,330 | 5,652 |
| Average equity | $9,502,330 | 5,511 |
| Average total loans | $45,576,330 | 5,955 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5379% | 4,710 |
| Cost of funding earning assets | 2.2733% | 2,823 |
| Net interest margin | 3.2646% | 5,643 |
| Noninterest income to average assets | 0.2471% | 6,479 |
| Noninterest expense to average assets | 2.4611% | 5,988 |
| Loan and lease loss provision to assets | 0.1425% | 5,116 |
| Net operating income to assets | 0.5226% | 4,327 |
| Return on assets (ROA) | 0.5226% | 4,514 |
| Pretax return on assets | 0.6319% | 4,649 |
| Return on Equity (ROE) | 4.6226% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.6226% | 3,350 |
| Net charge-offs to loans | 0.6820% | 1,819 |
| Credit loss provision to net charge-offs | 37.9747% | 4,842 |
| Earnings coverage of net charge-offs (x) | 2.0633% | 3,691 |
| Efficiency ratio | 76.0646% | 3,483 |
| Assets per employee ($millions) | 4.1738% | 3,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5043% | 7,821 |
| Loan loss allowance to noncurrent loans | 32.6705% | 6,360 |
| Noncurrent assets plus other real estate owned to assets | 2.3300% | 2,465 |
| Noncurrent loans to loans | 1.5437% | 3,963 |
| Net loans and leases to total assets | 54.3557% | 6,424 |
| Net loans and leases to deposits | 61.6176% | 6,765 |
| Net loans and leases to core deposits | 103.5227% | 4,187 |
| Total domestic deposits to total assets | 88.2146% | 1,636 |
| Equity capital to assets | 11.4847% | 2,598 |
| Core capital (leverage) ratio | 11.4629% | 2,171 |
| Tier 1 risk-based capital ratio | 18.3283% | 1,975 |
| Total risk-based capital ratio | 18.7673% | 2,125 |
| Memoranda: | ||
| Average total assets | $84,190,500 | 5,665 |
| Average earning assets | $77,069,500 | 5,652 |
| Average equity | $9,518,500 | 5,529 |
| Average total loans | $46,335,500 | 5,943 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1029% | 5,025 |
| Cost of funding earning assets | 2.9794% | 1,941 |
| Net interest margin | 3.1235% | 6,579 |
| Noninterest income to average assets | 0.4769% | 4,824 |
| Noninterest expense to average assets | 2.2077% | 6,942 |
| Loan and lease loss provision to assets | 0.4140% | 3,213 |
| Net operating income to assets | 0.5918% | 4,339 |
| Return on assets (ROA) | 0.5918% | 4,207 |
| Pretax return on assets | 0.7457% | 4,258 |
| Return on Equity (ROE) | 5.6310% | 4,104 |
| Retained earnings to average equity (ytd only) | -5.7238% | 6,628 |
| Net charge-offs to loans | 1.1497% | 1,052 |
| Credit loss provision to net charge-offs | 62.6230% | 6,196 |
| Earnings coverage of net charge-offs (x) | 1.7541% | 5,196 |
| Efficiency ratio | 65.5616% | 5,211 |
| Assets per employee ($millions) | 4.2453% | 3,042 |
| Cash dividends to net income (ytd only)* | 201.6484% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5949% | 7,688 |
| Loan loss allowance to noncurrent loans | 18.1347% | 7,311 |
| Noncurrent assets plus other real estate owned to assets | 3.2672% | 1,385 |
| Noncurrent loans to loans | 3.2804% | 1,590 |
| Net loans and leases to total assets | 55.1051% | 6,538 |
| Net loans and leases to deposits | 62.3619% | 6,917 |
| Net loans and leases to core deposits | 109.7797% | 3,796 |
| Total domestic deposits to total assets | 88.3635% | 1,308 |
| Equity capital to assets | 11.1301% | 2,942 |
| Core capital (leverage) ratio | 10.9646% | 2,618 |
| Tier 1 risk-based capital ratio | 17.6675% | 2,127 |
| Total risk-based capital ratio | 18.1894% | 2,277 |
| Memoranda: | ||
| Average total assets | $92,268,200 | 5,284 |
| Average earning assets | $85,385,600 | 5,251 |
| Average equity | $9,696,400 | 5,509 |
| Average total loans | $53,056,400 | 5,576 |