Home > First Bank of Muleshoe > Performance and Condition Ratios
First Bank of Muleshoe, Performance and Condition Ratios
| 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 | 1.9306% | 4,921 |
| Cost of funding earning assets | 0.0837% | 4,903 |
| Net interest margin | 1.8469% | 4,874 |
| Noninterest income to average assets | 0.4274% | 2,976 |
| Noninterest expense to average assets | 2.2926% | 3,425 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.1353% | 4,802 |
| Return on assets (ROA) | 0.4872% | 4,136 |
| Pretax return on assets | 0.5974% | 4,087 |
| Return on Equity (ROE) | 3.2734% | 4,306 |
| Retained earnings to average equity (ytd only) | 1.1972% | 4,148 |
| Net charge-offs to loans | -0.0144% | 4,341 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5882% | 128 |
| Assets per employee ($millions) | 4.4563% | 3,960 |
| Cash dividends to net income (ytd only)* | 63.4249% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3058% | 111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 11.4866% | 4,936 |
| Net loans and leases to deposits | 13.3346% | 4,940 |
| Net loans and leases to core deposits | 13.6827% | 4,935 |
| Total domestic deposits to total assets | 86.1413% | 2,309 |
| Equity capital to assets | 13.5642% | 913 |
| Core capital (leverage) ratio | 13.2280% | 842 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 95.5760% | 32 |
| Memoranda: | ||
| Average total assets | $97,093,000 | 4,036 |
| Average earning assets | $89,555,400 | 4,035 |
| Average equity | $14,450,000 | 3,698 |
| Average total loans | $13,935,400 | 4,825 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1955% | 4,950 |
| Cost of funding earning assets | 0.0933% | 4,932 |
| Net interest margin | 2.1021% | 4,852 |
| Noninterest income to average assets | 0.4368% | 2,897 |
| Noninterest expense to average assets | 2.0303% | 4,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.2888% | 4,462 |
| Return on assets (ROA) | 0.2888% | 4,511 |
| Pretax return on assets | 0.3424% | 4,502 |
| Return on Equity (ROE) | 1.8934% | 4,565 |
| Retained earnings to average equity (ytd only) | -0.8774% | 4,599 |
| Net charge-offs to loans | -0.0094% | 4,212 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5701% | 525 |
| Assets per employee ($millions) | 4.3374% | 4,007 |
| Cash dividends to net income (ytd only)* | 146.3415% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0475% | 130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 12.8052% | 4,965 |
| Net loans and leases to deposits | 15.0467% | 4,969 |
| Net loans and leases to core deposits | 15.6944% | 4,964 |
| Total domestic deposits to total assets | 85.1035% | 2,393 |
| Equity capital to assets | 14.4892% | 735 |
| Core capital (leverage) ratio | 14.0639% | 697 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.1181% | 71 |
| Memoranda: | ||
| Average total assets | $94,628,500 | 4,060 |
| Average earning assets | $87,147,000 | 4,066 |
| Average equity | $14,435,750 | 3,701 |
| Average total loans | $14,243,000 | 4,847 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5263% | 4,958 |
| Cost of funding earning assets | 0.1111% | 4,952 |
| Net interest margin | 2.4152% | 4,784 |
| Noninterest income to average assets | 0.5029% | 2,548 |
| Noninterest expense to average assets | 2.2411% | 3,681 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.4132% | 4,211 |
| Return on assets (ROA) | 0.4132% | 4,270 |
| Pretax return on assets | 0.4963% | 4,257 |
| Return on Equity (ROE) | 2.6582% | 4,411 |
| Retained earnings to average equity (ytd only) | -1.5612% | 4,544 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8690% | 761 |
| Assets per employee ($millions) | 3.9734% | 4,339 |
| Cash dividends to net income (ytd only)* | 158.7302% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9891% | 136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 14.2259% | 4,992 |
| Net loans and leases to deposits | 17.0504% | 4,997 |
| Net loans and leases to core deposits | 17.2190% | 4,994 |
| Total domestic deposits to total assets | 83.4345% | 2,947 |
| Equity capital to assets | 16.0181% | 470 |
| Core capital (leverage) ratio | 15.2081% | 541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.2615% | 51 |
| Memoranda: | ||
| Average total assets | $91,472,000 | 4,105 |
| Average earning assets | $84,631,000 | 4,103 |
| Average equity | $14,220,000 | 3,738 |
| Average total loans | $14,407,667 | 4,874 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8593% | 4,987 |
| Cost of funding earning assets | 0.1398% | 4,988 |
| Net interest margin | 2.7195% | 4,652 |
| Noninterest income to average assets | 0.4959% | 2,566 |
| Noninterest expense to average assets | 2.3278% | 3,707 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.5719% | 3,682 |
| Return on assets (ROA) | 0.5719% | 3,746 |
| Pretax return on assets | 0.6881% | 3,719 |
| Return on Equity (ROE) | 3.7393% | 4,025 |
| Retained earnings to average equity (ytd only) | -5.0246% | 4,524 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1852% | 1,435 |
| Assets per employee ($millions) | 3.3982% | 4,565 |
| Cash dividends to net income (ytd only)* | 234.3750% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9572% | 154 |
| Loan loss allowance to noncurrent loans | 3,215.3846% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 4,568 |
| Noncurrent loans to loans | 0.0920% | 4,142 |
| Net loans and leases to total assets | 15.5252% | 5,031 |
| Net loans and leases to deposits | 18.2162% | 5,035 |
| Net loans and leases to core deposits | 18.4059% | 5,036 |
| Total domestic deposits to total assets | 85.2274% | 2,320 |
| Equity capital to assets | 14.4590% | 909 |
| Core capital (leverage) ratio | 15.1968% | 652 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 63.5632% | 56 |
| Memoranda: | ||
| Average total assets | $89,527,500 | 4,125 |
| Average earning assets | $82,957,000 | 4,129 |
| Average equity | $13,692,500 | 3,814 |
| Average total loans | $14,619,500 | 4,911 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1636% | 5,009 |
| Cost of funding earning assets | 0.1857% | 4,990 |
| Net interest margin | 2.9780% | 4,542 |
| Noninterest income to average assets | 0.6499% | 2,005 |
| Noninterest expense to average assets | 2.6522% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.6604% | 3,985 |
| Return on assets (ROA) | 0.6542% | 4,076 |
| Pretax return on assets | 0.7891% | 3,994 |
| Return on Equity (ROE) | 4.2730% | 4,402 |
| Retained earnings to average equity (ytd only) | 0.0769% | 4,669 |
| Net charge-offs to loans | 0.0825% | 1,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 57.2308% | 1,014 |
| Efficiency ratio | 76.9016% | 1,274 |
| Assets per employee ($millions) | 3.6281% | 4,346 |
| Cash dividends to net income (ytd only)* | 98.1997% | 341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7675% | 158 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 16.1915% | 5,092 |
| Net loans and leases to deposits | 19.4010% | 5,097 |
| Net loans and leases to core deposits | 19.6017% | 5,097 |
| Total domestic deposits to total assets | 83.4568% | 3,046 |
| Equity capital to assets | 16.1077% | 583 |
| Core capital (leverage) ratio | 15.5498% | 585 |
| Tier 1 risk-based capital ratio | 61.1064% | 90 |
| Total risk-based capital ratio | 62.3618% | 90 |
| Memoranda: | ||
| Average total assets | $93,395,400 | 4,091 |
| Average earning assets | $87,778,400 | 4,069 |
| Average equity | $14,299,000 | 3,712 |
| Average total loans | $15,757,600 | 4,952 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2305% | 5,083 |
| Cost of funding earning assets | 0.2001% | 5,038 |
| Net interest margin | 3.0304% | 4,587 |
| Noninterest income to average assets | 0.6038% | 2,187 |
| Noninterest expense to average assets | 2.6335% | 3,063 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6815% | 4,070 |
| Return on assets (ROA) | 0.6733% | 4,158 |
| Pretax return on assets | 0.8150% | 4,087 |
| Return on Equity (ROE) | 4.4533% | 4,491 |
| Retained earnings to average equity (ytd only) | -1.1719% | 4,873 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1475% | 1,314 |
| Assets per employee ($millions) | 3.7146% | 4,264 |
| Cash dividends to net income (ytd only)* | 126.3153% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8663% | 148 |
| Loan loss allowance to noncurrent loans | 495.4023% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1559% | 3,957 |
| Noncurrent loans to loans | 0.5786% | 2,556 |
| Net loans and leases to total assets | 16.3834% | 5,174 |
| Net loans and leases to deposits | 19.7056% | 5,173 |
| Net loans and leases to core deposits | 19.8459% | 5,174 |
| Total domestic deposits to total assets | 83.1410% | 3,112 |
| Equity capital to assets | 16.2993% | 586 |
| Core capital (leverage) ratio | 15.3731% | 665 |
| Tier 1 risk-based capital ratio | 62.1912% | 86 |
| Total risk-based capital ratio | 63.4462% | 85 |
| Memoranda: | ||
| Average total assets | $94,068,750 | 4,134 |
| Average earning assets | $88,612,250 | 4,115 |
| Average equity | $14,221,250 | 3,749 |
| Average total loans | $15,921,000 | 5,025 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2601% | 5,135 |
| Cost of funding earning assets | 0.2104% | 5,049 |
| Net interest margin | 3.0497% | 4,608 |
| Noninterest income to average assets | 0.5496% | 2,387 |
| Noninterest expense to average assets | 2.5014% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.7728% | 3,742 |
| Return on assets (ROA) | 0.7606% | 3,856 |
| Pretax return on assets | 0.9111% | 3,813 |
| Return on Equity (ROE) | 5.1565% | 4,309 |
| Retained earnings to average equity (ytd only) | 0.9066% | 4,464 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9878% | 1,777 |
| Assets per employee ($millions) | 3.9529% | 3,933 |
| Cash dividends to net income (ytd only)* | 82.4176% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7039% | 176 |
| Loan loss allowance to noncurrent loans | 495.4023% | 1,029 |
| Noncurrent assets plus other real estate owned to assets | 0.1465% | 4,027 |
| Noncurrent loans to loans | 0.5458% | 2,634 |
| Net loans and leases to total assets | 16.3476% | 5,223 |
| Net loans and leases to deposits | 19.4280% | 5,221 |
| Net loans and leases to core deposits | 19.5564% | 5,223 |
| Total domestic deposits to total assets | 84.1446% | 2,801 |
| Equity capital to assets | 15.4432% | 720 |
| Core capital (leverage) ratio | 14.9225% | 719 |
| Tier 1 risk-based capital ratio | 58.0679% | 95 |
| Total risk-based capital ratio | 59.3216% | 93 |
| Memoranda: | ||
| Average total assets | $95,708,000 | 4,132 |
| Average earning assets | $90,305,330 | 4,109 |
| Average equity | $14,118,000 | 3,769 |
| Average total loans | $16,215,670 | 5,063 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2715% | 5,184 |
| Cost of funding earning assets | 0.2119% | 5,093 |
| Net interest margin | 3.0596% | 4,653 |
| Noninterest income to average assets | 0.5160% | 2,462 |
| Noninterest expense to average assets | 2.3927% | 3,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8384% | 3,489 |
| Return on assets (ROA) | 0.8281% | 3,562 |
| Pretax return on assets | 0.9945% | 3,451 |
| Return on Equity (ROE) | 5.7467% | 4,101 |
| Retained earnings to average equity (ytd only) | -2.9167% | 4,809 |
| Net charge-offs to loans | -0.0245% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3794% | 2,278 |
| Assets per employee ($millions) | 3.5681% | 4,499 |
| Cash dividends to net income (ytd only)* | 150.7538% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7641% | 174 |
| Loan loss allowance to noncurrent loans | 830.7692% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0540% | 4,551 |
| Noncurrent loans to loans | 0.3327% | 3,382 |
| Net loans and leases to total assets | 15.7743% | 5,287 |
| Net loans and leases to deposits | 18.5513% | 5,288 |
| Net loans and leases to core deposits | 18.6705% | 5,286 |
| Total domestic deposits to total assets | 85.0311% | 2,671 |
| Equity capital to assets | 14.6315% | 842 |
| Core capital (leverage) ratio | 14.7668% | 749 |
| Tier 1 risk-based capital ratio | 63.6233% | 79 |
| Total risk-based capital ratio | 64.8781% | 78 |
| Memoranda: | ||
| Average total assets | $96,127,000 | 4,165 |
| Average earning assets | $90,600,500 | 4,135 |
| Average equity | $13,851,500 | 3,822 |
| Average total loans | $16,353,500 | 5,121 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0276% | 5,221 |
| Cost of funding earning assets | 0.1622% | 5,141 |
| Net interest margin | 2.8654% | 4,955 |
| Noninterest income to average assets | 0.5845% | 2,382 |
| Noninterest expense to average assets | 2.4649% | 3,714 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.6773% | 4,212 |
| Return on assets (ROA) | 0.6765% | 4,219 |
| Pretax return on assets | 0.8267% | 4,100 |
| Return on Equity (ROE) | 4.8958% | 4,478 |
| Retained earnings to average equity (ytd only) | 1.1981% | 4,651 |
| Net charge-offs to loans | 0.0365% | 2,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 135.0000% | 600 |
| Efficiency ratio | 74.8603% | 1,514 |
| Assets per employee ($millions) | 3.6890% | 4,333 |
| Cash dividends to net income (ytd only)* | 75.5287% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5237% | 228 |
| Loan loss allowance to noncurrent loans | 756.1404% | 765 |
| Noncurrent assets plus other real estate owned to assets | 0.0594% | 4,544 |
| Noncurrent loans to loans | 0.3338% | 3,355 |
| Net loans and leases to total assets | 17.3562% | 5,323 |
| Net loans and leases to deposits | 20.2849% | 5,326 |
| Net loans and leases to core deposits | 20.4150% | 5,324 |
| Total domestic deposits to total assets | 85.5621% | 2,414 |
| Equity capital to assets | 14.1867% | 916 |
| Core capital (leverage) ratio | 14.7602% | 739 |
| Tier 1 risk-based capital ratio | 63.0024% | 83 |
| Total risk-based capital ratio | 64.2582% | 83 |
| Memoranda: | ||
| Average total assets | $97,855,600 | 4,132 |
| Average earning assets | $92,482,600 | 4,089 |
| Average equity | $13,521,800 | 3,812 |
| Average total loans | $16,448,000 | 5,163 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9497% | 5,306 |
| Cost of funding earning assets | 0.1447% | 5,234 |
| Net interest margin | 2.8050% | 5,080 |
| Noninterest income to average assets | 0.5776% | 2,433 |
| Noninterest expense to average assets | 2.4201% | 3,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.6668% | 4,330 |
| Return on assets (ROA) | 0.6657% | 4,347 |
| Pretax return on assets | 0.8108% | 4,263 |
| Return on Equity (ROE) | 4.8491% | 4,613 |
| Retained earnings to average equity (ytd only) | -0.0889% | 5,048 |
| Net charge-offs to loans | 0.0491% | 2,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 99.8313% | 752 |
| Efficiency ratio | 74.8742% | 1,471 |
| Assets per employee ($millions) | 3.7046% | 4,302 |
| Cash dividends to net income (ytd only)* | 101.8330% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5456% | 228 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 17.1306% | 5,398 |
| Net loans and leases to deposits | 19.9618% | 5,399 |
| Net loans and leases to core deposits | 20.0886% | 5,400 |
| Total domestic deposits to total assets | 85.8169% | 2,273 |
| Equity capital to assets | 13.6442% | 1,077 |
| Core capital (leverage) ratio | 14.4384% | 838 |
| Tier 1 risk-based capital ratio | 59.9276% | 87 |
| Total risk-based capital ratio | 61.1835% | 86 |
| Memoranda: | ||
| Average total assets | $98,341,000 | 4,167 |
| Average earning assets | $93,068,750 | 4,126 |
| Average equity | $13,500,500 | 3,845 |
| Average total loans | $16,290,500 | 5,227 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9165% | 5,364 |
| Cost of funding earning assets | 0.1298% | 5,321 |
| Net interest margin | 2.7867% | 5,133 |
| Noninterest income to average assets | 0.5837% | 2,414 |
| Noninterest expense to average assets | 2.4017% | 3,896 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.6749% | 4,266 |
| Return on assets (ROA) | 0.6847% | 4,244 |
| Pretax return on assets | 0.8403% | 4,133 |
| Return on Equity (ROE) | 4.9780% | 4,556 |
| Retained earnings to average equity (ytd only) | 1.3069% | 4,684 |
| Net charge-offs to loans | 0.0746% | 1,582 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 68.3333% | 924 |
| Efficiency ratio | 74.3590% | 1,656 |
| Assets per employee ($millions) | 3.7750% | 4,244 |
| Cash dividends to net income (ytd only)* | 73.7463% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7365% | 193 |
| Loan loss allowance to noncurrent loans | 43,100.0000% | 18 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 5,068 |
| Noncurrent loans to loans | 0.0063% | 4,931 |
| Net loans and leases to total assets | 15.6079% | 5,469 |
| Net loans and leases to deposits | 18.1791% | 5,470 |
| Net loans and leases to core deposits | 18.3802% | 5,472 |
| Total domestic deposits to total assets | 85.8562% | 2,340 |
| Equity capital to assets | 13.6517% | 1,051 |
| Core capital (leverage) ratio | 14.5571% | 764 |
| Tier 1 risk-based capital ratio | 63.4427% | 81 |
| Total risk-based capital ratio | 64.7004% | 79 |
| Memoranda: | ||
| Average total assets | $99,015,000 | 4,191 |
| Average earning assets | $94,016,330 | 4,146 |
| Average equity | $13,620,000 | 3,852 |
| Average total loans | $16,077,000 | 5,292 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8869% | 5,420 |
| Cost of funding earning assets | 0.1231% | 5,380 |
| Net interest margin | 2.7638% | 5,193 |
| Noninterest income to average assets | 0.5430% | 2,563 |
| Noninterest expense to average assets | 2.3128% | 4,166 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.7160% | 4,048 |
| Return on assets (ROA) | 0.7160% | 4,057 |
| Pretax return on assets | 0.8487% | 4,019 |
| Return on Equity (ROE) | 5.1855% | 4,425 |
| Retained earnings to average equity (ytd only) | -2.0975% | 5,017 |
| Net charge-offs to loans | 0.1724% | 842 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 30.1429% | 1,237 |
| Efficiency ratio | 73.1552% | 2,019 |
| Assets per employee ($millions) | 3.8313% | 4,246 |
| Cash dividends to net income (ytd only)* | 140.4494% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7971% | 192 |
| Loan loss allowance to noncurrent loans | 21,500.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,136 |
| Noncurrent loans to loans | 0.0130% | 4,941 |
| Net loans and leases to total assets | 15.0008% | 5,533 |
| Net loans and leases to deposits | 17.4051% | 5,535 |
| Net loans and leases to core deposits | 17.5939% | 5,532 |
| Total domestic deposits to total assets | 86.1858% | 2,459 |
| Equity capital to assets | 13.3956% | 1,074 |
| Core capital (leverage) ratio | 14.0032% | 877 |
| Tier 1 risk-based capital ratio | 66.7810% | 69 |
| Total risk-based capital ratio | 68.0391% | 68 |
| Memoranda: | ||
| Average total assets | $99,448,000 | 4,230 |
| Average earning assets | $94,218,000 | 4,187 |
| Average equity | $13,730,500 | 3,867 |
| Average total loans | $16,240,500 | 5,345 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6510% | 5,514 |
| Cost of funding earning assets | 0.1375% | 5,324 |
| Net interest margin | 2.5136% | 5,403 |
| Noninterest income to average assets | 0.5719% | 2,597 |
| Noninterest expense to average assets | 2.2801% | 4,387 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.5042% | 4,364 |
| Return on assets (ROA) | 0.5192% | 4,365 |
| Pretax return on assets | 0.6986% | 4,511 |
| Return on Equity (ROE) | 3.7854% | 4,565 |
| Retained earnings to average equity (ytd only) | 0.2869% | 4,911 |
| Net charge-offs to loans | 0.2542% | 1,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 16.4419% | 2,180 |
| Efficiency ratio | 77.0678% | 1,474 |
| Assets per employee ($millions) | 3.5458% | 4,640 |
| Cash dividends to net income (ytd only)* | 92.4214% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5544% | 232 |
| Loan loss allowance to noncurrent loans | 469.8925% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.0937% | 4,653 |
| Noncurrent loans to loans | 0.5436% | 2,871 |
| Net loans and leases to total assets | 16.7917% | 5,586 |
| Net loans and leases to deposits | 19.6481% | 5,593 |
| Net loans and leases to core deposits | 19.8637% | 5,593 |
| Total domestic deposits to total assets | 85.4625% | 2,673 |
| Equity capital to assets | 14.2192% | 851 |
| Core capital (leverage) ratio | 13.9274% | 851 |
| Tier 1 risk-based capital ratio | 62.9120% | 75 |
| Total risk-based capital ratio | 64.1715% | 76 |
| Memoranda: | ||
| Average total assets | $104,206,400 | 4,165 |
| Average earning assets | $98,943,600 | 4,117 |
| Average equity | $14,291,600 | 3,812 |
| Average total loans | $16,917,000 | 5,393 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6235% | 5,588 |
| Cost of funding earning assets | 0.1449% | 5,344 |
| Net interest margin | 2.4786% | 5,486 |
| Noninterest income to average assets | 0.5564% | 2,690 |
| Noninterest expense to average assets | 2.2180% | 4,486 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5213% | 4,676 |
| Return on assets (ROA) | 0.5412% | 4,642 |
| Pretax return on assets | 0.7233% | 4,549 |
| Return on Equity (ROE) | 3.9807% | 4,861 |
| Retained earnings to average equity (ytd only) | 1.6556% | 4,766 |
| Net charge-offs to loans | 0.3320% | 634 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 13.1188% | 2,375 |
| Efficiency ratio | 76.0954% | 1,573 |
| Assets per employee ($millions) | 3.9471% | 4,077 |
| Cash dividends to net income (ytd only)* | 58.4123% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5201% | 256 |
| Loan loss allowance to noncurrent loans | 2,920.0000% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 5,184 |
| Noncurrent loans to loans | 0.0863% | 4,726 |
| Net loans and leases to total assets | 16.5088% | 5,660 |
| Net loans and leases to deposits | 19.3439% | 5,662 |
| Net loans and leases to core deposits | 19.5495% | 5,661 |
| Total domestic deposits to total assets | 85.3436% | 2,579 |
| Equity capital to assets | 14.2861% | 916 |
| Core capital (leverage) ratio | 13.7718% | 952 |
| Tier 1 risk-based capital ratio | 64.2060% | 76 |
| Total risk-based capital ratio | 65.4647% | 73 |
| Memoranda: | ||
| Average total assets | $105,437,750 | 4,189 |
| Average earning assets | $100,321,250 | 4,130 |
| Average equity | $14,335,250 | 3,844 |
| Average total loans | $16,869,250 | 5,453 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5832% | 5,639 |
| Cost of funding earning assets | 0.1405% | 5,393 |
| Net interest margin | 2.4427% | 5,540 |
| Noninterest income to average assets | 0.5810% | 2,554 |
| Noninterest expense to average assets | 2.2768% | 4,413 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4757% | 4,770 |
| Return on assets (ROA) | 0.5058% | 4,725 |
| Pretax return on assets | 0.6637% | 4,652 |
| Return on Equity (ROE) | 3.7816% | 4,883 |
| Retained earnings to average equity (ytd only) | 0.2671% | 5,016 |
| Net charge-offs to loans | 0.5030% | 391 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 7.9048% | 2,562 |
| Efficiency ratio | 78.4835% | 1,396 |
| Assets per employee ($millions) | 4.0211% | 3,921 |
| Cash dividends to net income (ytd only)* | 92.9368% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6033% | 254 |
| Loan loss allowance to noncurrent loans | 2,920.0000% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0143% | 5,233 |
| Noncurrent loans to loans | 0.0892% | 4,772 |
| Net loans and leases to total assets | 15.6741% | 5,714 |
| Net loans and leases to deposits | 18.2565% | 5,711 |
| Net loans and leases to core deposits | 18.3931% | 5,715 |
| Total domestic deposits to total assets | 85.8553% | 2,441 |
| Equity capital to assets | 13.8166% | 1,028 |
| Core capital (leverage) ratio | 13.6086% | 966 |
| Tier 1 risk-based capital ratio | 63.4030% | 77 |
| Total risk-based capital ratio | 64.6598% | 77 |
| Memoranda: | ||
| Average total assets | $106,375,670 | 4,197 |
| Average earning assets | $101,036,330 | 4,147 |
| Average equity | $14,226,670 | 3,866 |
| Average total loans | $16,699,000 | 5,506 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5466% | 5,705 |
| Cost of funding earning assets | 0.1340% | 5,470 |
| Net interest margin | 2.4126% | 5,613 |
| Noninterest income to average assets | 0.5667% | 2,572 |
| Noninterest expense to average assets | 2.2630% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4623% | 4,731 |
| Return on assets (ROA) | 0.4623% | 4,754 |
| Pretax return on assets | 0.5853% | 4,762 |
| Return on Equity (ROE) | 3.5134% | 4,957 |
| Retained earnings to average equity (ytd only) | -3.5700% | 5,303 |
| Net charge-offs to loans | 0.0481% | 1,891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 663 |
| Efficiency ratio | 79.4503% | 1,433 |
| Assets per employee ($millions) | 4.3840% | 3,364 |
| Cash dividends to net income (ytd only)* | 201.6129% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9976% | 179 |
| Loan loss allowance to noncurrent loans | 824.1379% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 5,074 |
| Noncurrent loans to loans | 0.3637% | 3,788 |
| Net loans and leases to total assets | 14.7013% | 5,789 |
| Net loans and leases to deposits | 17.0497% | 5,786 |
| Net loans and leases to core deposits | 17.2347% | 5,786 |
| Total domestic deposits to total assets | 86.2263% | 2,566 |
| Equity capital to assets | 13.4686% | 1,078 |
| Core capital (leverage) ratio | 13.0932% | 1,105 |
| Tier 1 risk-based capital ratio | 66.8923% | 72 |
| Total risk-based capital ratio | 68.1558% | 72 |
| Memoranda: | ||
| Average total assets | $107,289,500 | 4,222 |
| Average earning assets | $101,467,500 | 4,181 |
| Average equity | $14,117,500 | 3,904 |
| Average total loans | $16,636,000 | 5,566 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4616% | 5,768 |
| Cost of funding earning assets | 0.1174% | 5,623 |
| Net interest margin | 2.3442% | 5,686 |
| Noninterest income to average assets | 0.5332% | 3,017 |
| Noninterest expense to average assets | 2.2285% | 4,703 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3807% | 5,004 |
| Return on assets (ROA) | 0.4781% | 4,795 |
| Pretax return on assets | 0.6592% | 4,626 |
| Return on Equity (ROE) | 3.5871% | 4,987 |
| Retained earnings to average equity (ytd only) | 0.6553% | 5,063 |
| Net charge-offs to loans | 0.0288% | 3,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 114.4000% | 532 |
| Efficiency ratio | 80.9079% | 1,314 |
| Assets per employee ($millions) | 4.3746% | 3,324 |
| Cash dividends to net income (ytd only)* | 81.7308% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7704% | 231 |
| Loan loss allowance to noncurrent loans | 923.0769% | 654 |
| Noncurrent assets plus other real estate owned to assets | 0.1344% | 4,776 |
| Noncurrent loans to loans | 0.3001% | 4,065 |
| Net loans and leases to total assets | 15.4036% | 5,842 |
| Net loans and leases to deposits | 17.6982% | 5,841 |
| Net loans and leases to core deposits | 18.5961% | 5,842 |
| Total domestic deposits to total assets | 87.0350% | 2,129 |
| Equity capital to assets | 12.8598% | 1,319 |
| Core capital (leverage) ratio | 12.7641% | 1,227 |
| Tier 1 risk-based capital ratio | 59.4679% | 84 |
| Total risk-based capital ratio | 60.7277% | 82 |
| Memoranda: | ||
| Average total assets | $108,773,800 | 4,196 |
| Average earning assets | $103,061,800 | 4,138 |
| Average equity | $14,496,400 | 3,875 |
| Average total loans | $17,344,000 | 5,602 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5309% | 5,815 |
| Cost of funding earning assets | 0.1150% | 5,697 |
| Net interest margin | 2.4159% | 5,711 |
| Noninterest income to average assets | 0.4959% | 3,279 |
| Noninterest expense to average assets | 2.3014% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3628% | 5,136 |
| Return on assets (ROA) | 0.4173% | 5,057 |
| Pretax return on assets | 0.5622% | 4,970 |
| Return on Equity (ROE) | 3.1040% | 5,192 |
| Retained earnings to average equity (ytd only) | 0.8217% | 5,138 |
| Net charge-offs to loans | 0.0538% | 2,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 56.8757% | 997 |
| Efficiency ratio | 82.4901% | 1,132 |
| Assets per employee ($millions) | 3.9407% | 4,062 |
| Cash dividends to net income (ytd only)* | 73.5308% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5817% | 301 |
| Loan loss allowance to noncurrent loans | 2,811.7647% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.1053% | 5,009 |
| Noncurrent loans to loans | 0.0918% | 4,978 |
| Net loans and leases to total assets | 16.9524% | 5,895 |
| Net loans and leases to deposits | 19.8575% | 5,900 |
| Net loans and leases to core deposits | 20.9146% | 5,896 |
| Total domestic deposits to total assets | 85.3700% | 2,652 |
| Equity capital to assets | 14.0360% | 1,015 |
| Core capital (leverage) ratio | 13.0483% | 1,173 |
| Tier 1 risk-based capital ratio | 60.4727% | 82 |
| Total risk-based capital ratio | 61.7334% | 81 |
| Memoranda: | ||
| Average total assets | $108,626,250 | 4,219 |
| Average earning assets | $103,148,000 | 4,163 |
| Average equity | $14,604,500 | 3,896 |
| Average total loans | $17,348,500 | 5,656 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6081% | 5,873 |
| Cost of funding earning assets | 0.1116% | 5,802 |
| Net interest margin | 2.4965% | 5,747 |
| Noninterest income to average assets | 0.4956% | 3,227 |
| Noninterest expense to average assets | 2.2840% | 4,653 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4389% | 4,910 |
| Return on assets (ROA) | 0.4389% | 4,993 |
| Pretax return on assets | 0.5852% | 4,923 |
| Return on Equity (ROE) | 3.3116% | 5,160 |
| Retained earnings to average equity (ytd only) | -0.1380% | 5,314 |
| Net charge-offs to loans | 0.0943% | 1,899 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 1,158 |
| Efficiency ratio | 79.6048% | 1,546 |
| Assets per employee ($millions) | 3.8812% | 4,119 |
| Cash dividends to net income (ytd only)* | 104.1667% | 466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7012% | 284 |
| Loan loss allowance to noncurrent loans | 1,644.8276% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.1141% | 5,055 |
| Noncurrent loans to loans | 0.1642% | 4,785 |
| Net loans and leases to total assets | 15.8106% | 5,980 |
| Net loans and leases to deposits | 18.4222% | 5,986 |
| Net loans and leases to core deposits | 19.3751% | 5,982 |
| Total domestic deposits to total assets | 85.8237% | 2,507 |
| Equity capital to assets | 13.6500% | 1,162 |
| Core capital (leverage) ratio | 12.6541% | 1,279 |
| Tier 1 risk-based capital ratio | 66.3706% | 76 |
| Total risk-based capital ratio | 67.6322% | 76 |
| Memoranda: | ||
| Average total assets | $109,369,000 | 4,238 |
| Average earning assets | $103,985,670 | 4,176 |
| Average equity | $14,494,670 | 3,929 |
| Average total loans | $16,959,670 | 5,739 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6561% | 5,921 |
| Cost of funding earning assets | 0.1110% | 5,862 |
| Net interest margin | 2.5451% | 5,772 |
| Noninterest income to average assets | 0.4849% | 3,229 |
| Noninterest expense to average assets | 2.3515% | 4,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4156% | 4,949 |
| Return on assets (ROA) | 0.4156% | 5,024 |
| Pretax return on assets | 0.5578% | 4,932 |
| Return on Equity (ROE) | 3.1832% | 5,174 |
| Retained earnings to average equity (ytd only) | -3.7976% | 5,536 |
| Net charge-offs to loans | 0.0482% | 2,079 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 76.5000% | 660 |
| Efficiency ratio | 80.8271% | 1,505 |
| Assets per employee ($millions) | 3.8638% | 4,190 |
| Cash dividends to net income (ytd only)* | 219.2982% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0755% | 205 |
| Loan loss allowance to noncurrent loans | 266.8508% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.2463% | 4,570 |
| Noncurrent loans to loans | 1.1525% | 2,098 |
| Net loans and leases to total assets | 13.5851% | 6,054 |
| Net loans and leases to deposits | 15.6544% | 6,053 |
| Net loans and leases to core deposits | 16.4285% | 6,051 |
| Total domestic deposits to total assets | 86.7817% | 2,313 |
| Equity capital to assets | 12.8551% | 1,481 |
| Core capital (leverage) ratio | 12.3996% | 1,378 |
| Tier 1 risk-based capital ratio | 73.3397% | 65 |
| Total risk-based capital ratio | 74.6037% | 65 |
| Memoranda: | ||
| Average total assets | $109,716,500 | 4,267 |
| Average earning assets | $104,513,000 | 4,199 |
| Average equity | $14,325,000 | 3,964 |
| Average total loans | $16,610,000 | 5,805 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6218% | 5,958 |
| Cost of funding earning assets | 0.1292% | 5,817 |
| Net interest margin | 2.4926% | 5,835 |
| Noninterest income to average assets | 0.5299% | 3,139 |
| Noninterest expense to average assets | 2.2958% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4453% | 4,900 |
| Return on assets (ROA) | 0.5462% | 4,608 |
| Pretax return on assets | 0.7098% | 4,507 |
| Return on Equity (ROE) | 3.9679% | 4,959 |
| Retained earnings to average equity (ytd only) | 1.0146% | 5,111 |
| Net charge-offs to loans | 0.1650% | 1,716 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 19.5161% | 1,941 |
| Efficiency ratio | 79.8669% | 1,694 |
| Assets per employee ($millions) | 3.5795% | 4,677 |
| Cash dividends to net income (ytd only)* | 74.4308% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7691% | 293 |
| Loan loss allowance to noncurrent loans | 325.5034% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 4,684 |
| Noncurrent loans to loans | 0.8507% | 2,661 |
| Net loans and leases to total assets | 15.8590% | 6,100 |
| Net loans and leases to deposits | 18.3229% | 6,105 |
| Net loans and leases to core deposits | 18.5167% | 6,103 |
| Total domestic deposits to total assets | 86.5529% | 2,349 |
| Equity capital to assets | 13.2664% | 1,224 |
| Core capital (leverage) ratio | 13.1066% | 1,107 |
| Tier 1 risk-based capital ratio | 67.7852% | 74 |
| Total risk-based capital ratio | 69.0483% | 73 |
| Memoranda: | ||
| Average total assets | $104,538,600 | 4,369 |
| Average earning assets | $98,329,200 | 4,328 |
| Average equity | $14,390,400 | 3,924 |
| Average total loans | $18,784,400 | 5,771 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5720% | 6,058 |
| Cost of funding earning assets | 0.1396% | 5,854 |
| Net interest margin | 2.4324% | 5,955 |
| Noninterest income to average assets | 0.5201% | 3,225 |
| Noninterest expense to average assets | 2.3693% | 4,594 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3526% | 5,306 |
| Return on assets (ROA) | 0.4905% | 4,916 |
| Pretax return on assets | 0.6010% | 4,969 |
| Return on Equity (ROE) | 3.5304% | 5,208 |
| Retained earnings to average equity (ytd only) | 1.2200% | 5,234 |
| Net charge-offs to loans | 0.5235% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 4.4932% | 3,342 |
| Efficiency ratio | 84.5555% | 1,117 |
| Assets per employee ($millions) | 3.7254% | 4,399 |
| Cash dividends to net income (ytd only)* | 65.4461% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1895% | 678 |
| Loan loss allowance to noncurrent loans | 284.5161% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.3549% | 4,354 |
| Noncurrent loans to loans | 0.7695% | 3,040 |
| Net loans and leases to total assets | 19.5862% | 6,142 |
| Net loans and leases to deposits | 23.0257% | 6,147 |
| Net loans and leases to core deposits | 23.2900% | 6,157 |
| Total domestic deposits to total assets | 85.0625% | 2,979 |
| Equity capital to assets | 14.4493% | 873 |
| Core capital (leverage) ratio | 13.6433% | 965 |
| Tier 1 risk-based capital ratio | 58.1656% | 97 |
| Total risk-based capital ratio | 59.4244% | 96 |
| Memoranda: | ||
| Average total assets | $103,827,250 | 4,431 |
| Average earning assets | $97,404,500 | 4,395 |
| Average equity | $14,426,500 | 3,962 |
| Average total loans | $19,101,750 | 5,827 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5775% | 6,126 |
| Cost of funding earning assets | 0.1525% | 5,827 |
| Net interest margin | 2.4250% | 6,027 |
| Noninterest income to average assets | 0.5224% | 3,210 |
| Noninterest expense to average assets | 2.3735% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3544% | 5,279 |
| Return on assets (ROA) | 0.4633% | 5,022 |
| Pretax return on assets | 0.5529% | 5,095 |
| Return on Equity (ROE) | 3.3772% | 5,276 |
| Retained earnings to average equity (ytd only) | -0.0973% | 5,526 |
| Net charge-offs to loans | 0.4692% | 538 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.0455% | 2,964 |
| Efficiency ratio | 84.8671% | 1,169 |
| Assets per employee ($millions) | 3.9607% | 3,956 |
| Cash dividends to net income (ytd only)* | 102.8807% | 486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5304% | 472 |
| Loan loss allowance to noncurrent loans | 161.0922% | 2,663 |
| Noncurrent assets plus other real estate owned to assets | 0.4807% | 4,010 |
| Noncurrent loans to loans | 1.5708% | 1,682 |
| Net loans and leases to total assets | 17.6552% | 6,234 |
| Net loans and leases to deposits | 20.5872% | 6,245 |
| Net loans and leases to core deposits | 20.8159% | 6,244 |
| Total domestic deposits to total assets | 85.7581% | 2,816 |
| Equity capital to assets | 13.8738% | 1,025 |
| Core capital (leverage) ratio | 13.2163% | 1,086 |
| Tier 1 risk-based capital ratio | 58.4380% | 104 |
| Total risk-based capital ratio | 59.6977% | 103 |
| Memoranda: | ||
| Average total assets | $104,907,670 | 4,446 |
| Average earning assets | $98,390,000 | 4,412 |
| Average equity | $14,390,670 | 3,982 |
| Average total loans | $18,755,000 | 5,897 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6841% | 6,138 |
| Cost of funding earning assets | 0.1848% | 5,649 |
| Net interest margin | 2.4993% | 6,015 |
| Noninterest income to average assets | 0.4798% | 3,426 |
| Noninterest expense to average assets | 2.4671% | 4,380 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3016% | 5,408 |
| Return on assets (ROA) | 0.4647% | 4,927 |
| Pretax return on assets | 0.5592% | 5,028 |
| Return on Equity (ROE) | 3.4066% | 5,211 |
| Retained earnings to average equity (ytd only) | -3.5174% | 5,833 |
| Net charge-offs to loans | -0.0851% | 5,782 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1829% | 1,083 |
| Assets per employee ($millions) | 4.1394% | 3,680 |
| Cash dividends to net income (ytd only)* | 203.2520% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8892% | 331 |
| Loan loss allowance to noncurrent loans | 227.0742% | 2,001 |
| Noncurrent assets plus other real estate owned to assets | 0.4005% | 4,424 |
| Noncurrent loans to loans | 1.2724% | 2,251 |
| Net loans and leases to total assets | 16.2397% | 6,313 |
| Net loans and leases to deposits | 18.8666% | 6,317 |
| Net loans and leases to core deposits | 19.1326% | 6,314 |
| Total domestic deposits to total assets | 86.0767% | 2,899 |
| Equity capital to assets | 13.4365% | 1,198 |
| Core capital (leverage) ratio | 12.6470% | 1,291 |
| Tier 1 risk-based capital ratio | 59.2607% | 110 |
| Total risk-based capital ratio | 60.5201% | 110 |
| Memoranda: | ||
| Average total assets | $105,872,500 | 4,457 |
| Average earning assets | $99,549,000 | 4,408 |
| Average equity | $14,442,500 | 4,005 |
| Average total loans | $18,806,000 | 5,947 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0245% | 6,039 |
| Cost of funding earning assets | 0.2017% | 5,727 |
| Net interest margin | 2.8228% | 5,773 |
| Noninterest income to average assets | 0.5246% | 3,327 |
| Noninterest expense to average assets | 2.5604% | 4,358 |
| Loan and lease loss provision to assets | 0.0183% | 4,245 |
| Net operating income to assets | 0.4605% | 4,964 |
| Return on assets (ROA) | 0.5333% | 4,756 |
| Pretax return on assets | 0.6529% | 4,774 |
| Return on Equity (ROE) | 3.9029% | 5,154 |
| Retained earnings to average equity (ytd only) | 0.3741% | 5,610 |
| Net charge-offs to loans | 0.1638% | 2,393 |
| Credit loss provision to net charge-offs | 59.3750% | 3,299 |
| Earnings coverage of net charge-offs (x) | 18.8750% | 1,815 |
| Efficiency ratio | 81.4667% | 1,716 |
| Assets per employee ($millions) | 3.5903% | 4,736 |
| Cash dividends to net income (ytd only)* | 90.4159% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6308% | 469 |
| Loan loss allowance to noncurrent loans | 218.6441% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 0.4207% | 4,421 |
| Noncurrent loans to loans | 1.2032% | 2,441 |
| Net loans and leases to total assets | 18.3423% | 6,388 |
| Net loans and leases to deposits | 21.3746% | 6,392 |
| Net loans and leases to core deposits | 21.6870% | 6,392 |
| Total domestic deposits to total assets | 85.8135% | 2,938 |
| Equity capital to assets | 13.8532% | 1,013 |
| Core capital (leverage) ratio | 13.3386% | 1,020 |
| Tier 1 risk-based capital ratio | 56.6139% | 106 |
| Total risk-based capital ratio | 57.8752% | 105 |
| Memoranda: | ||
| Average total assets | $103,695,200 | 4,508 |
| Average earning assets | $96,181,000 | 4,502 |
| Average equity | $14,169,000 | 3,994 |
| Average total loans | $19,540,200 | 5,980 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0448% | 6,087 |
| Cost of funding earning assets | 0.2030% | 5,801 |
| Net interest margin | 2.8418% | 5,800 |
| Noninterest income to average assets | 0.5187% | 3,417 |
| Noninterest expense to average assets | 2.6270% | 4,103 |
| Loan and lease loss provision to assets | 0.0245% | 3,919 |
| Net operating income to assets | 0.4161% | 5,189 |
| Return on assets (ROA) | 0.4994% | 4,943 |
| Pretax return on assets | 0.5985% | 5,036 |
| Return on Equity (ROE) | 3.6676% | 5,294 |
| Retained earnings to average equity (ytd only) | -1.0587% | 5,973 |
| Net charge-offs to loans | 0.2186% | 1,730 |
| Credit loss provision to net charge-offs | 59.3750% | 2,943 |
| Earnings coverage of net charge-offs (x) | 12.6862% | 2,295 |
| Efficiency ratio | 83.4083% | 1,459 |
| Assets per employee ($millions) | 3.5474% | 4,773 |
| Cash dividends to net income (ytd only)* | 128.8661% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6136% | 559 |
| Loan loss allowance to noncurrent loans | 203.1496% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 0.4433% | 4,577 |
| Noncurrent loans to loans | 1.2865% | 2,489 |
| Net loans and leases to total assets | 18.6897% | 6,468 |
| Net loans and leases to deposits | 21.7845% | 6,478 |
| Net loans and leases to core deposits | 22.1721% | 6,470 |
| Total domestic deposits to total assets | 85.7934% | 2,963 |
| Equity capital to assets | 13.7789% | 1,080 |
| Core capital (leverage) ratio | 13.4467% | 1,019 |
| Tier 1 risk-based capital ratio | 55.5699% | 110 |
| Total risk-based capital ratio | 56.8310% | 108 |
| Memoranda: | ||
| Average total assets | $103,589,000 | 4,557 |
| Average earning assets | $95,898,250 | 4,550 |
| Average equity | $14,105,250 | 4,028 |
| Average total loans | $19,521,750 | 6,044 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0574% | 6,121 |
| Cost of funding earning assets | 0.2051% | 5,873 |
| Net interest margin | 2.8523% | 5,813 |
| Noninterest income to average assets | 0.5297% | 3,268 |
| Noninterest expense to average assets | 2.6120% | 4,197 |
| Loan and lease loss provision to assets | 0.0366% | 3,560 |
| Net operating income to assets | 0.4119% | 5,172 |
| Return on assets (ROA) | 0.5336% | 4,768 |
| Pretax return on assets | 0.6569% | 4,768 |
| Return on Equity (ROE) | 3.9341% | 5,174 |
| Retained earnings to average equity (ytd only) | 0.3835% | 5,584 |
| Net charge-offs to loans | 0.1028% | 2,654 |
| Credit loss provision to net charge-offs | 190.0000% | 1,218 |
| Earnings coverage of net charge-offs (x) | 28.2000% | 1,310 |
| Efficiency ratio | 82.7839% | 1,658 |
| Assets per employee ($millions) | 3.4088% | 5,036 |
| Cash dividends to net income (ytd only)* | 90.2527% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8046% | 471 |
| Loan loss allowance to noncurrent loans | 145.0135% | 2,799 |
| Noncurrent assets plus other real estate owned to assets | 0.5603% | 4,309 |
| Noncurrent loans to loans | 1.9340% | 1,761 |
| Net loans and leases to total assets | 18.2322% | 6,537 |
| Net loans and leases to deposits | 21.2898% | 6,542 |
| Net loans and leases to core deposits | 21.6714% | 6,540 |
| Total domestic deposits to total assets | 85.6382% | 3,221 |
| Equity capital to assets | 14.0108% | 965 |
| Core capital (leverage) ratio | 13.5106% | 972 |
| Tier 1 risk-based capital ratio | 57.3191% | 100 |
| Total risk-based capital ratio | 58.5820% | 98 |
| Memoranda: | ||
| Average total assets | $103,827,000 | 4,584 |
| Average earning assets | $95,571,670 | 4,592 |
| Average equity | $14,082,000 | 4,035 |
| Average total loans | $19,448,000 | 6,099 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1276% | 6,088 |
| Cost of funding earning assets | 0.2010% | 5,988 |
| Net interest margin | 2.9266% | 5,696 |
| Noninterest income to average assets | 0.5392% | 3,115 |
| Noninterest expense to average assets | 2.5887% | 4,308 |
| Loan and lease loss provision to assets | 0.0459% | 3,181 |
| Net operating income to assets | 0.4517% | 4,923 |
| Return on assets (ROA) | 0.5889% | 4,322 |
| Pretax return on assets | 0.7533% | 4,295 |
| Return on Equity (ROE) | 4.4129% | 4,833 |
| Retained earnings to average equity (ytd only) | -2.7509% | 5,940 |
| Net charge-offs to loans | 0.2247% | 1,423 |
| Credit loss provision to net charge-offs | 109.0909% | 1,547 |
| Earnings coverage of net charge-offs (x) | 14.8182% | 1,581 |
| Efficiency ratio | 80.5952% | 2,115 |
| Assets per employee ($millions) | 3.5012% | 4,917 |
| Cash dividends to net income (ytd only)* | 162.3377% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9764% | 448 |
| Loan loss allowance to noncurrent loans | 262.3762% | 1,670 |
| Noncurrent assets plus other real estate owned to assets | 0.3884% | 4,983 |
| Noncurrent loans to loans | 1.1344% | 3,150 |
| Net loans and leases to total assets | 16.4486% | 6,621 |
| Net loans and leases to deposits | 18.9907% | 6,632 |
| Net loans and leases to core deposits | 19.3179% | 6,623 |
| Total domestic deposits to total assets | 86.6141% | 3,032 |
| Equity capital to assets | 13.2374% | 1,197 |
| Core capital (leverage) ratio | 13.2002% | 1,086 |
| Tier 1 risk-based capital ratio | 56.5385% | 104 |
| Total risk-based capital ratio | 57.7994% | 103 |
| Memoranda: | ||
| Average total assets | $104,608,500 | 4,616 |
| Average earning assets | $95,537,500 | 4,640 |
| Average equity | $13,959,000 | 4,053 |
| Average total loans | $19,580,500 | 6,152 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9813% | 6,362 |
| Cost of funding earning assets | 0.2124% | 6,217 |
| Net interest margin | 2.7688% | 6,029 |
| Noninterest income to average assets | 0.5508% | 3,398 |
| Noninterest expense to average assets | 2.4887% | 4,803 |
| Loan and lease loss provision to assets | 0.0687% | 3,757 |
| Net operating income to assets | 0.4357% | 5,009 |
| Return on assets (ROA) | 0.5111% | 4,816 |
| Pretax return on assets | 0.6214% | 4,799 |
| Return on Equity (ROE) | 3.6967% | 5,237 |
| Retained earnings to average equity (ytd only) | 1.5963% | 5,082 |
| Net charge-offs to loans | 0.2571% | 2,426 |
| Credit loss provision to net charge-offs | 129.0909% | 1,815 |
| Earnings coverage of net charge-offs (x) | 11.2364% | 2,256 |
| Efficiency ratio | 80.6209% | 2,067 |
| Assets per employee ($millions) | 3.5924% | 4,699 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4773% | 846 |
| Loan loss allowance to noncurrent loans | 111.3684% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5634% | 4,545 |
| Noncurrent loans to loans | 2.2244% | 1,746 |
| Net loans and leases to total assets | 19.9892% | 6,667 |
| Net loans and leases to deposits | 23.1237% | 6,679 |
| Net loans and leases to core deposits | 23.5260% | 6,677 |
| Total domestic deposits to total assets | 86.4447% | 3,027 |
| Equity capital to assets | 13.4516% | 1,085 |
| Core capital (leverage) ratio | 13.1735% | 1,067 |
| Tier 1 risk-based capital ratio | 51.5126% | 124 |
| Total risk-based capital ratio | 52.7724% | 122 |
| Memoranda: | ||
| Average total assets | $103,309,000 | 4,665 |
| Average earning assets | $94,624,400 | 4,663 |
| Average equity | $14,283,000 | 4,008 |
| Average total loans | $21,392,400 | 6,134 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9196% | 6,479 |
| Cost of funding earning assets | 0.2069% | 6,373 |
| Net interest margin | 2.7127% | 6,156 |
| Noninterest income to average assets | 0.5406% | 3,517 |
| Noninterest expense to average assets | 2.5297% | 4,624 |
| Loan and lease loss provision to assets | 0.0673% | 3,709 |
| Net operating income to assets | 0.3730% | 5,363 |
| Return on assets (ROA) | 0.4475% | 5,174 |
| Pretax return on assets | 0.5225% | 5,292 |
| Return on Equity (ROE) | 3.2147% | 5,524 |
| Retained earnings to average equity (ytd only) | 0.4274% | 5,803 |
| Net charge-offs to loans | 0.3177% | 1,953 |
| Credit loss provision to net charge-offs | 101.9608% | 2,298 |
| Earnings coverage of net charge-offs (x) | 7.6272% | 2,766 |
| Efficiency ratio | 83.4115% | 1,666 |
| Assets per employee ($millions) | 3.4329% | 4,986 |
| Cash dividends to net income (ytd only)* | 86.7055% | 633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2830% | 1,208 |
| Loan loss allowance to noncurrent loans | 395.3846% | 1,091 |
| Noncurrent assets plus other real estate owned to assets | 0.2953% | 5,545 |
| Noncurrent loans to loans | 0.5774% | 4,760 |
| Net loans and leases to total assets | 22.0988% | 6,717 |
| Net loans and leases to deposits | 25.7859% | 6,729 |
| Net loans and leases to core deposits | 26.3391% | 6,736 |
| Total domestic deposits to total assets | 85.7011% | 3,404 |
| Equity capital to assets | 13.9805% | 969 |
| Core capital (leverage) ratio | 13.4774% | 1,034 |
| Tier 1 risk-based capital ratio | 50.3071% | 135 |
| Total risk-based capital ratio | 51.5649% | 133 |
| Memoranda: | ||
| Average total assets | $103,091,000 | 4,715 |
| Average earning assets | $94,712,500 | 4,701 |
| Average equity | $14,350,250 | 4,048 |
| Average total loans | $21,402,000 | 6,201 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0210% | 6,429 |
| Cost of funding earning assets | 0.2063% | 6,443 |
| Net interest margin | 2.8147% | 5,975 |
| Noninterest income to average assets | 0.5505% | 3,497 |
| Noninterest expense to average assets | 2.4168% | 5,006 |
| Loan and lease loss provision to assets | 0.0652% | 3,723 |
| Net operating income to assets | 0.5052% | 4,777 |
| Return on assets (ROA) | 0.6080% | 4,418 |
| Pretax return on assets | 0.7615% | 4,460 |
| Return on Equity (ROE) | 4.3741% | 5,060 |
| Retained earnings to average equity (ytd only) | 0.2346% | 5,784 |
| Net charge-offs to loans | 0.0190% | 4,464 |
| Credit loss provision to net charge-offs | 1,700.0000% | 187 |
| Earnings coverage of net charge-offs (x) | 182.0000% | 272 |
| Efficiency ratio | 77.5862% | 2,529 |
| Assets per employee ($millions) | 3.4909% | 4,876 |
| Cash dividends to net income (ytd only)* | 94.6372% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6437% | 836 |
| Loan loss allowance to noncurrent loans | 159.8240% | 2,402 |
| Noncurrent assets plus other real estate owned to assets | 0.5067% | 4,999 |
| Noncurrent loans to loans | 1.6541% | 2,833 |
| Net loans and leases to total assets | 19.8250% | 6,796 |
| Net loans and leases to deposits | 23.0700% | 6,811 |
| Net loans and leases to core deposits | 23.5550% | 6,815 |
| Total domestic deposits to total assets | 85.9339% | 3,410 |
| Equity capital to assets | 13.7915% | 1,024 |
| Core capital (leverage) ratio | 13.0727% | 1,134 |
| Tier 1 risk-based capital ratio | 52.9254% | 117 |
| Total risk-based capital ratio | 54.1856% | 116 |
| Memoranda: | ||
| Average total assets | $104,270,330 | 4,720 |
| Average earning assets | $95,000,670 | 4,726 |
| Average equity | $14,494,330 | 4,050 |
| Average total loans | $21,031,330 | 6,253 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1976% | 6,295 |
| Cost of funding earning assets | 0.2059% | 6,549 |
| Net interest margin | 2.9917% | 5,590 |
| Noninterest income to average assets | 0.5445% | 3,480 |
| Noninterest expense to average assets | 2.5636% | 4,518 |
| Loan and lease loss provision to assets | 0.0567% | 3,689 |
| Net operating income to assets | 0.5067% | 4,624 |
| Return on assets (ROA) | 0.5067% | 4,772 |
| Pretax return on assets | 0.6163% | 4,889 |
| Return on Equity (ROE) | 3.6313% | 5,281 |
| Retained earnings to average equity (ytd only) | -4.4985% | 6,323 |
| Net charge-offs to loans | -0.0753% | 6,314 |
| Credit loss provision to net charge-offs | -375.0000% | 5,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2056% | 2,437 |
| Assets per employee ($millions) | 3.6273% | 4,718 |
| Cash dividends to net income (ytd only)* | 223.8806% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7197% | 894 |
| Loan loss allowance to noncurrent loans | 293.9227% | 1,345 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 5,585 |
| Noncurrent loans to loans | 0.9253% | 4,283 |
| Net loans and leases to total assets | 18.0896% | 6,887 |
| Net loans and leases to deposits | 21.1732% | 6,895 |
| Net loans and leases to core deposits | 21.6035% | 6,893 |
| Total domestic deposits to total assets | 85.4363% | 3,826 |
| Equity capital to assets | 13.9144% | 1,060 |
| Core capital (leverage) ratio | 12.6189% | 1,286 |
| Tier 1 risk-based capital ratio | 55.9284% | 106 |
| Total risk-based capital ratio | 57.1909% | 105 |
| Memoranda: | ||
| Average total assets | $105,787,500 | 4,727 |
| Average earning assets | $95,196,000 | 4,757 |
| Average equity | $14,760,500 | 4,044 |
| Average total loans | $21,239,500 | 6,300 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7520% | 5,943 |
| Cost of funding earning assets | 0.2455% | 6,687 |
| Net interest margin | 3.5064% | 4,477 |
| Noninterest income to average assets | 0.5249% | 3,743 |
| Noninterest expense to average assets | 2.7649% | 4,160 |
| Loan and lease loss provision to assets | 0.0365% | 5,429 |
| Net operating income to assets | 0.7029% | 3,721 |
| Return on assets (ROA) | 0.8018% | 3,531 |
| Pretax return on assets | 1.0835% | 3,219 |
| Return on Equity (ROE) | 5.7036% | 4,301 |
| Retained earnings to average equity (ytd only) | 1.6003% | 5,070 |
| Net charge-offs to loans | 0.1676% | 4,037 |
| Credit loss provision to net charge-offs | 95.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 25.6500% | 1,127 |
| Efficiency ratio | 73.7058% | 3,112 |
| Assets per employee ($millions) | 3.5461% | 4,911 |
| Cash dividends to net income (ytd only)* | 71.9424% | 1,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2384% | 1,486 |
| Loan loss allowance to noncurrent loans | 257.7889% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 5,656 |
| Noncurrent loans to loans | 0.8683% | 4,446 |
| Net loans and leases to total assets | 21.0609% | 6,911 |
| Net loans and leases to deposits | 24.6675% | 6,916 |
| Net loans and leases to core deposits | 25.1660% | 6,916 |
| Total domestic deposits to total assets | 85.3791% | 3,671 |
| Equity capital to assets | 13.9911% | 1,048 |
| Core capital (leverage) ratio | 12.9790% | 1,116 |
| Tier 1 risk-based capital ratio | 47.8990% | 148 |
| Total risk-based capital ratio | 49.1568% | 149 |
| Memoranda: | ||
| Average total assets | $104,017,600 | 4,731 |
| Average earning assets | $95,710,000 | 4,701 |
| Average equity | $14,622,400 | 4,037 |
| Average total loans | $23,867,800 | 6,246 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7651% | 6,098 |
| Cost of funding earning assets | 0.2531% | 6,797 |
| Net interest margin | 3.5120% | 4,599 |
| Noninterest income to average assets | 0.5814% | 3,398 |
| Noninterest expense to average assets | 2.7175% | 4,297 |
| Loan and lease loss provision to assets | 0.1160% | 4,115 |
| Net operating income to assets | 0.7565% | 3,666 |
| Return on assets (ROA) | 0.8328% | 3,536 |
| Pretax return on assets | 1.1241% | 3,256 |
| Return on Equity (ROE) | 5.9168% | 4,369 |
| Retained earnings to average equity (ytd only) | 0.4213% | 5,967 |
| Net charge-offs to loans | 0.0387% | 5,112 |
| Credit loss provision to net charge-offs | 1,285.7143% | 213 |
| Earnings coverage of net charge-offs (x) | 126.0418% | 348 |
| Efficiency ratio | 70.5017% | 3,594 |
| Assets per employee ($millions) | 3.3697% | 5,282 |
| Cash dividends to net income (ytd only)* | 92.8795% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3011% | 1,514 |
| Loan loss allowance to noncurrent loans | 192.2830% | 1,834 |
| Noncurrent assets plus other real estate owned to assets | 0.5797% | 5,214 |
| Noncurrent loans to loans | 1.1967% | 4,057 |
| Net loans and leases to total assets | 25.1162% | 6,938 |
| Net loans and leases to deposits | 29.7687% | 6,956 |
| Net loans and leases to core deposits | 30.6166% | 6,960 |
| Total domestic deposits to total assets | 84.3714% | 4,052 |
| Equity capital to assets | 14.6750% | 919 |
| Core capital (leverage) ratio | 13.2270% | 1,095 |
| Tier 1 risk-based capital ratio | 47.9870% | 148 |
| Total risk-based capital ratio | 49.2469% | 149 |
| Memoranda: | ||
| Average total assets | $103,426,500 | 4,790 |
| Average earning assets | $96,390,500 | 4,728 |
| Average equity | $14,557,000 | 4,088 |
| Average total loans | $24,105,250 | 6,324 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 6,298 |
| Cost of funding earning assets | 0.2591% | 6,882 |
| Net interest margin | 3.4628% | 4,832 |
| Noninterest income to average assets | 0.5815% | 3,368 |
| Noninterest expense to average assets | 2.6889% | 4,470 |
| Loan and lease loss provision to assets | 0.1344% | 3,848 |
| Net operating income to assets | 0.7227% | 3,738 |
| Return on assets (ROA) | 0.7620% | 3,819 |
| Pretax return on assets | 1.0441% | 3,545 |
| Return on Equity (ROE) | 5.4894% | 4,590 |
| Retained earnings to average equity (ytd only) | 1.3412% | 5,522 |
| Net charge-offs to loans | -0.0170% | 6,394 |
| Credit loss provision to net charge-offs | -3,500.0000% | 6,539 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5083% | 3,682 |
| Assets per employee ($millions) | 3.3642% | 5,288 |
| Cash dividends to net income (ytd only)* | 75.5668% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4896% | 1,298 |
| Loan loss allowance to noncurrent loans | 131.3199% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7352% | 4,954 |
| Noncurrent loans to loans | 1.8958% | 3,081 |
| Net loans and leases to total assets | 22.7803% | 7,052 |
| Net loans and leases to deposits | 26.9143% | 7,059 |
| Net loans and leases to core deposits | 27.9319% | 7,056 |
| Total domestic deposits to total assets | 84.6401% | 4,037 |
| Equity capital to assets | 14.5653% | 900 |
| Core capital (leverage) ratio | 13.0051% | 1,150 |
| Tier 1 risk-based capital ratio | 53.1192% | 120 |
| Total risk-based capital ratio | 54.3827% | 119 |
| Memoranda: | ||
| Average total assets | $104,205,330 | 4,796 |
| Average earning assets | $97,263,000 | 4,728 |
| Average equity | $14,464,330 | 4,101 |
| Average total loans | $23,477,670 | 6,394 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7299% | 6,391 |
| Cost of funding earning assets | 0.2679% | 6,957 |
| Net interest margin | 3.4621% | 4,865 |
| Noninterest income to average assets | 0.5517% | 3,555 |
| Noninterest expense to average assets | 2.5962% | 4,831 |
| Loan and lease loss provision to assets | 0.1247% | 3,787 |
| Net operating income to assets | 0.7709% | 3,522 |
| Return on assets (ROA) | 0.7709% | 3,760 |
| Pretax return on assets | 1.0544% | 3,489 |
| Return on Equity (ROE) | 5.6878% | 4,460 |
| Retained earnings to average equity (ytd only) | -2.6766% | 6,359 |
| Net charge-offs to loans | -0.0171% | 6,122 |
| Credit loss provision to net charge-offs | -3,300.0000% | 6,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7688% | 4,023 |
| Assets per employee ($millions) | 3.4856% | 5,147 |
| Cash dividends to net income (ytd only)* | 147.0588% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4797% | 1,387 |
| Loan loss allowance to noncurrent loans | 422.3077% | 804 |
| Noncurrent assets plus other real estate owned to assets | 0.4064% | 5,844 |
| Noncurrent loans to loans | 0.5872% | 5,490 |
| Net loans and leases to total assets | 20.6476% | 7,132 |
| Net loans and leases to deposits | 24.1281% | 7,140 |
| Net loans and leases to core deposits | 25.1418% | 7,143 |
| Total domestic deposits to total assets | 85.5751% | 3,754 |
| Equity capital to assets | 13.7326% | 1,127 |
| Core capital (leverage) ratio | 12.7298% | 1,227 |
| Tier 1 risk-based capital ratio | 54.5563% | 112 |
| Total risk-based capital ratio | 55.8194% | 111 |
| Memoranda: | ||
| Average total assets | $105,845,500 | 4,794 |
| Average earning assets | $98,554,000 | 4,726 |
| Average equity | $14,346,500 | 4,127 |
| Average total loans | $23,427,500 | 6,448 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0701% | 6,320 |
| Cost of funding earning assets | 0.3789% | 6,948 |
| Net interest margin | 3.6912% | 4,338 |
| Noninterest income to average assets | 0.6256% | 3,034 |
| Noninterest expense to average assets | 2.7301% | 4,619 |
| Loan and lease loss provision to assets | 0.0726% | 5,703 |
| Net operating income to assets | 0.9247% | 2,506 |
| Return on assets (ROA) | 0.9820% | 2,409 |
| Pretax return on assets | 1.3346% | 2,001 |
| Return on Equity (ROE) | 7.3174% | 3,235 |
| Retained earnings to average equity (ytd only) | 2.9876% | 4,104 |
| Net charge-offs to loans | 1.0942% | 1,572 |
| Credit loss provision to net charge-offs | 27.2727% | 5,824 |
| Earnings coverage of net charge-offs (x) | 4.9927% | 2,925 |
| Efficiency ratio | 67.2471% | 4,530 |
| Assets per employee ($millions) | 3.6939% | 4,559 |
| Cash dividends to net income (ytd only)* | 59.1716% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0838% | 2,055 |
| Loan loss allowance to noncurrent loans | 725.3521% | 517 |
| Noncurrent assets plus other real estate owned to assets | 0.3949% | 5,983 |
| Noncurrent loans to loans | 0.2873% | 6,150 |
| Net loans and leases to total assets | 22.5911% | 7,178 |
| Net loans and leases to deposits | 26.2277% | 7,187 |
| Net loans and leases to core deposits | 27.0041% | 7,186 |
| Total domestic deposits to total assets | 86.1345% | 3,239 |
| Equity capital to assets | 13.3801% | 1,333 |
| Core capital (leverage) ratio | 13.0662% | 1,117 |
| Tier 1 risk-based capital ratio | 50.7807% | 128 |
| Total risk-based capital ratio | 52.0390% | 127 |
| Memoranda: | ||
| Average total assets | $103,255,200 | 4,812 |
| Average earning assets | $96,067,600 | 4,747 |
| Average equity | $13,857,400 | 4,143 |
| Average total loans | $25,132,800 | 6,415 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1157% | 6,376 |
| Cost of funding earning assets | 0.4015% | 7,014 |
| Net interest margin | 3.7142% | 4,269 |
| Noninterest income to average assets | 0.6335% | 2,971 |
| Noninterest expense to average assets | 2.7933% | 4,367 |
| Loan and lease loss provision to assets | 0.0613% | 5,682 |
| Net operating income to assets | 0.9170% | 2,680 |
| Return on assets (ROA) | 0.9932% | 2,498 |
| Pretax return on assets | 1.3426% | 2,142 |
| Return on Equity (ROE) | 7.3951% | 3,336 |
| Retained earnings to average equity (ytd only) | 1.5722% | 5,352 |
| Net charge-offs to loans | 1.1781% | 1,337 |
| Credit loss provision to net charge-offs | 21.0762% | 5,544 |
| Earnings coverage of net charge-offs (x) | 4.4753% | 3,060 |
| Efficiency ratio | 68.2267% | 4,274 |
| Assets per employee ($millions) | 3.2926% | 5,495 |
| Cash dividends to net income (ytd only)* | 78.7405% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0265% | 2,262 |
| Loan loss allowance to noncurrent loans | 131.1436% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 0.4161% | 6,040 |
| Noncurrent loans to loans | 1.5453% | 3,964 |
| Net loans and leases to total assets | 26.3804% | 7,186 |
| Net loans and leases to deposits | 31.0858% | 7,193 |
| Net loans and leases to core deposits | 32.0994% | 7,199 |
| Total domestic deposits to total assets | 84.8630% | 3,836 |
| Equity capital to assets | 14.3534% | 1,039 |
| Core capital (leverage) ratio | 13.1562% | 1,170 |
| Tier 1 risk-based capital ratio | 45.9428% | 169 |
| Total risk-based capital ratio | 47.2009% | 168 |
| Memoranda: | ||
| Average total assets | $102,288,500 | 4,856 |
| Average earning assets | $95,308,250 | 4,810 |
| Average equity | $13,738,500 | 4,175 |
| Average total loans | $25,237,250 | 6,467 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 6,683 |
| Cost of funding earning assets | 0.4124% | 7,099 |
| Net interest margin | 3.5750% | 4,811 |
| Noninterest income to average assets | 0.6109% | 3,068 |
| Noninterest expense to average assets | 2.7296% | 4,709 |
| Loan and lease loss provision to assets | 0.0367% | 5,860 |
| Net operating income to assets | 0.8718% | 2,761 |
| Return on assets (ROA) | 0.8718% | 2,856 |
| Pretax return on assets | 1.1792% | 2,563 |
| Return on Equity (ROE) | 6.6363% | 3,626 |
| Retained earnings to average equity (ytd only) | 2.2219% | 4,880 |
| Net charge-offs to loans | 1.3799% | 1,098 |
| Credit loss provision to net charge-offs | 11.1111% | 5,236 |
| Earnings coverage of net charge-offs (x) | 3.6784% | 3,081 |
| Efficiency ratio | 69.1818% | 4,291 |
| Assets per employee ($millions) | 3.2500% | 5,531 |
| Cash dividends to net income (ytd only)* | 66.5188% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2150% | 1,887 |
| Loan loss allowance to noncurrent loans | 150.5348% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 6,080 |
| Noncurrent loans to loans | 1.4714% | 4,217 |
| Net loans and leases to total assets | 24.6700% | 7,303 |
| Net loans and leases to deposits | 28.8498% | 7,320 |
| Net loans and leases to core deposits | 29.9957% | 7,319 |
| Total domestic deposits to total assets | 85.5117% | 3,619 |
| Equity capital to assets | 13.8600% | 1,148 |
| Core capital (leverage) ratio | 12.8085% | 1,244 |
| Tier 1 risk-based capital ratio | 49.0057% | 152 |
| Total risk-based capital ratio | 50.2668% | 153 |
| Memoranda: | ||
| Average total assets | $103,458,670 | 4,871 |
| Average earning assets | $96,502,330 | 4,796 |
| Average equity | $13,592,000 | 4,197 |
| Average total loans | $24,784,000 | 6,548 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9188% | 6,801 |
| Cost of funding earning assets | 0.4373% | 7,142 |
| Net interest margin | 3.4815% | 5,094 |
| Noninterest income to average assets | 0.5953% | 3,204 |
| Noninterest expense to average assets | 2.6562% | 5,012 |
| Loan and lease loss provision to assets | 0.0038% | 5,814 |
| Net operating income to assets | 0.8778% | 2,673 |
| Return on assets (ROA) | 0.8778% | 2,729 |
| Pretax return on assets | 1.1563% | 2,531 |
| Return on Equity (ROE) | 6.8626% | 3,459 |
| Retained earnings to average equity (ytd only) | -2.0886% | 6,160 |
| Net charge-offs to loans | 1.4550% | 932 |
| Credit loss provision to net charge-offs | 1.1236% | 4,468 |
| Earnings coverage of net charge-offs (x) | 3.4157% | 2,746 |
| Efficiency ratio | 69.6000% | 4,353 |
| Assets per employee ($millions) | 3.4205% | 5,189 |
| Cash dividends to net income (ytd only)* | 130.4348% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8039% | 1,107 |
| Loan loss allowance to noncurrent loans | 124.9004% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 5,870 |
| Noncurrent loans to loans | 2.2449% | 3,262 |
| Net loans and leases to total assets | 21.1809% | 7,411 |
| Net loans and leases to deposits | 24.4571% | 7,431 |
| Net loans and leases to core deposits | 25.2768% | 7,422 |
| Total domestic deposits to total assets | 86.6044% | 3,179 |
| Equity capital to assets | 13.0223% | 1,370 |
| Core capital (leverage) ratio | 12.2971% | 1,413 |
| Tier 1 risk-based capital ratio | 53.5606% | 133 |
| Total risk-based capital ratio | 54.8256% | 132 |
| Memoranda: | ||
| Average total assets | $104,813,000 | 4,873 |
| Average earning assets | $96,969,000 | 4,822 |
| Average equity | $13,406,000 | 4,239 |
| Average total loans | $24,467,000 | 6,615 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5245% | 6,328 |
| Cost of funding earning assets | 0.6896% | 6,912 |
| Net interest margin | 3.8349% | 3,800 |
| Noninterest income to average assets | 0.6285% | 3,296 |
| Noninterest expense to average assets | 2.8685% | 4,352 |
| Loan and lease loss provision to assets | 0.0369% | 6,791 |
| Net operating income to assets | 0.9134% | 2,336 |
| Return on assets (ROA) | 1.0289% | 2,043 |
| Pretax return on assets | 1.4283% | 1,568 |
| Return on Equity (ROE) | 7.8042% | 2,779 |
| Retained earnings to average equity (ytd only) | 3.2713% | 3,580 |
| Net charge-offs to loans | 0.1761% | 5,264 |
| Credit loss provision to net charge-offs | 78.7234% | 5,599 |
| Earnings coverage of net charge-offs (x) | 27.8723% | 784 |
| Efficiency ratio | 68.7351% | 4,419 |
| Assets per employee ($millions) | 3.5670% | 4,784 |
| Cash dividends to net income (ytd only)* | 58.0833% | 1,707 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6908% | 1,184 |
| Loan loss allowance to noncurrent loans | 140.4715% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.5336% | 5,966 |
| Noncurrent loans to loans | 1.9156% | 3,666 |
| Net loans and leases to total assets | 24.1632% | 7,467 |
| Net loans and leases to deposits | 27.7117% | 7,490 |
| Net loans and leases to core deposits | 29.7569% | 7,476 |
| Total domestic deposits to total assets | 87.1947% | 2,717 |
| Equity capital to assets | 12.5680% | 1,593 |
| Core capital (leverage) ratio | 12.6538% | 1,255 |
| Tier 1 risk-based capital ratio | 43.1797% | 189 |
| Total risk-based capital ratio | 44.4433% | 188 |
| Memoranda: | ||
| Average total assets | $100,402,000 | 4,975 |
| Average earning assets | $92,805,800 | 4,922 |
| Average equity | $13,236,400 | 4,319 |
| Average total loans | $26,682,800 | 6,576 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 6,299 |
| Cost of funding earning assets | 0.7371% | 6,954 |
| Net interest margin | 3.8764% | 3,634 |
| Noninterest income to average assets | 0.6575% | 3,087 |
| Noninterest expense to average assets | 2.9002% | 4,090 |
| Loan and lease loss provision to assets | 0.0365% | 6,717 |
| Net operating income to assets | 0.9312% | 2,491 |
| Return on assets (ROA) | 1.0855% | 2,055 |
| Pretax return on assets | 1.5311% | 1,529 |
| Return on Equity (ROE) | 8.1313% | 2,849 |
| Retained earnings to average equity (ytd only) | 2.0631% | 4,924 |
| Net charge-offs to loans | 0.2246% | 4,590 |
| Credit loss provision to net charge-offs | 60.0000% | 5,688 |
| Earnings coverage of net charge-offs (x) | 22.2217% | 1,103 |
| Efficiency ratio | 68.2338% | 4,421 |
| Assets per employee ($millions) | 2.9966% | 6,158 |
| Cash dividends to net income (ytd only)* | 74.6271% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2961% | 1,635 |
| Loan loss allowance to noncurrent loans | 145.1745% | 1,949 |
| Noncurrent assets plus other real estate owned to assets | 0.6372% | 5,853 |
| Noncurrent loans to loans | 1.5816% | 4,270 |
| Net loans and leases to total assets | 31.3728% | 7,429 |
| Net loans and leases to deposits | 36.8162% | 7,452 |
| Net loans and leases to core deposits | 40.6178% | 7,415 |
| Total domestic deposits to total assets | 85.2146% | 3,509 |
| Equity capital to assets | 14.1493% | 1,120 |
| Core capital (leverage) ratio | 12.8421% | 1,288 |
| Tier 1 risk-based capital ratio | 39.2957% | 262 |
| Total risk-based capital ratio | 40.5558% | 251 |
| Memoranda: | ||
| Average total assets | $98,750,000 | 5,087 |
| Average earning assets | $91,527,000 | 5,024 |
| Average equity | $13,183,250 | 4,399 |
| Average total loans | $26,710,500 | 6,665 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 6,783 |
| Cost of funding earning assets | 0.7734% | 6,994 |
| Net interest margin | 3.6853% | 4,429 |
| Noninterest income to average assets | 0.6239% | 3,168 |
| Noninterest expense to average assets | 2.8505% | 4,262 |
| Loan and lease loss provision to assets | 0.0361% | 6,596 |
| Net operating income to assets | 0.7880% | 3,024 |
| Return on assets (ROA) | 0.9167% | 2,591 |
| Pretax return on assets | 1.3360% | 1,988 |
| Return on Equity (ROE) | 7.0011% | 3,300 |
| Retained earnings to average equity (ytd only) | 2.4052% | 4,628 |
| Net charge-offs to loans | 0.3629% | 3,539 |
| Credit loss provision to net charge-offs | 39.1304% | 5,625 |
| Earnings coverage of net charge-offs (x) | 12.8478% | 1,639 |
| Efficiency ratio | 70.6262% | 4,054 |
| Assets per employee ($millions) | 3.1159% | 5,880 |
| Cash dividends to net income (ytd only)* | 65.6455% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5438% | 1,246 |
| Loan loss allowance to noncurrent loans | 107.3960% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7763% | 5,574 |
| Noncurrent loans to loans | 2.3686% | 3,296 |
| Net loans and leases to total assets | 26.7812% | 7,605 |
| Net loans and leases to deposits | 31.0706% | 7,625 |
| Net loans and leases to core deposits | 34.1257% | 7,599 |
| Total domestic deposits to total assets | 86.1947% | 2,980 |
| Equity capital to assets | 13.3400% | 1,420 |
| Core capital (leverage) ratio | 12.8198% | 1,274 |
| Tier 1 risk-based capital ratio | 43.9465% | 191 |
| Total risk-based capital ratio | 45.2122% | 190 |
| Memoranda: | ||
| Average total assets | $99,702,670 | 5,085 |
| Average earning assets | $92,313,670 | 5,034 |
| Average equity | $13,055,000 | 4,427 |
| Average total loans | $25,350,330 | 6,779 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 7,046 |
| Cost of funding earning assets | 0.7888% | 7,120 |
| Net interest margin | 3.5778% | 4,820 |
| Noninterest income to average assets | 0.6098% | 3,211 |
| Noninterest expense to average assets | 2.8726% | 4,176 |
| Loan and lease loss provision to assets | 0.0361% | 6,317 |
| Net operating income to assets | 0.7854% | 3,031 |
| Return on assets (ROA) | 0.9027% | 2,605 |
| Pretax return on assets | 1.1434% | 2,575 |
| Return on Equity (ROE) | 6.9595% | 3,366 |
| Retained earnings to average equity (ytd only) | -2.3198% | 6,262 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5868% | 3,643 |
| Assets per employee ($millions) | 3.0728% | 6,062 |
| Cash dividends to net income (ytd only)* | 133.3333% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1376% | 733 |
| Loan loss allowance to noncurrent loans | 104.1135% | 2,654 |
| Noncurrent assets plus other real estate owned to assets | 0.8461% | 5,466 |
| Noncurrent loans to loans | 3.0136% | 2,659 |
| Net loans and leases to total assets | 23.0448% | 7,742 |
| Net loans and leases to deposits | 26.6435% | 7,771 |
| Net loans and leases to core deposits | 29.3805% | 7,754 |
| Total domestic deposits to total assets | 86.4934% | 2,897 |
| Equity capital to assets | 13.1435% | 1,466 |
| Core capital (leverage) ratio | 12.5222% | 1,396 |
| Tier 1 risk-based capital ratio | 50.3308% | 153 |
| Total risk-based capital ratio | 51.6016% | 152 |
| Memoranda: | ||
| Average total assets | $99,700,000 | 5,159 |
| Average earning assets | $91,787,000 | 5,109 |
| Average equity | $12,932,000 | 4,490 |
| Average total loans | $24,325,500 | 6,922 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9339% | 6,626 |
| Cost of funding earning assets | 0.9297% | 7,343 |
| Net interest margin | 4.0041% | 2,843 |
| Noninterest income to average assets | 0.6173% | 3,509 |
| Noninterest expense to average assets | 2.7620% | 5,117 |
| Loan and lease loss provision to assets | 0.0806% | 6,802 |
| Net operating income to assets | 1.0276% | 1,753 |
| Return on assets (ROA) | 1.0954% | 1,567 |
| Pretax return on assets | 1.5275% | 1,121 |
| Return on Equity (ROE) | 8.5510% | 2,177 |
| Retained earnings to average equity (ytd only) | 3.5690% | 2,680 |
| Net charge-offs to loans | -0.2686% | 7,925 |
| Credit loss provision to net charge-offs | -113.2353% | 7,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5951% | 5,660 |
| Assets per employee ($millions) | 3.1584% | 5,831 |
| Cash dividends to net income (ytd only)* | 58.2617% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8705% | 863 |
| Loan loss allowance to noncurrent loans | 103.2764% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.8202% | 5,462 |
| Noncurrent loans to loans | 2.7794% | 2,779 |
| Net loans and leases to total assets | 24.2723% | 7,801 |
| Net loans and leases to deposits | 27.9080% | 7,839 |
| Net loans and leases to core deposits | 34.8278% | 7,828 |
| Total domestic deposits to total assets | 86.9724% | 2,527 |
| Equity capital to assets | 12.8030% | 1,593 |
| Core capital (leverage) ratio | 13.3204% | 1,152 |
| Tier 1 risk-based capital ratio | 45.8350% | 183 |
| Total risk-based capital ratio | 47.1022% | 182 |
| Memoranda: | ||
| Average total assets | $95,581,200 | 5,222 |
| Average earning assets | $87,335,400 | 5,215 |
| Average equity | $12,244,200 | 4,695 |
| Average total loans | $25,318,800 | 6,890 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0950% | 6,286 |
| Cost of funding earning assets | 0.9958% | 7,395 |
| Net interest margin | 4.0992% | 2,399 |
| Noninterest income to average assets | 0.6298% | 3,496 |
| Noninterest expense to average assets | 2.8659% | 4,586 |
| Loan and lease loss provision to assets | 0.0962% | 6,404 |
| Net operating income to assets | 0.9864% | 2,107 |
| Return on assets (ROA) | 1.0756% | 1,864 |
| Pretax return on assets | 1.5469% | 1,286 |
| Return on Equity (ROE) | 8.3951% | 2,488 |
| Retained earnings to average equity (ytd only) | 1.6570% | 4,386 |
| Net charge-offs to loans | -0.3474% | 8,004 |
| Credit loss provision to net charge-offs | -103.0303% | 7,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4070% | 5,474 |
| Assets per employee ($millions) | 2.7272% | 6,791 |
| Cash dividends to net income (ytd only)* | 80.2627% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5126% | 1,048 |
| Loan loss allowance to noncurrent loans | 122.4700% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 0.7889% | 5,539 |
| Noncurrent loans to loans | 2.0516% | 3,564 |
| Net loans and leases to total assets | 30.7821% | 7,786 |
| Net loans and leases to deposits | 36.0754% | 7,821 |
| Net loans and leases to core deposits | 45.3605% | 7,776 |
| Total domestic deposits to total assets | 85.3273% | 3,061 |
| Equity capital to assets | 14.1149% | 1,269 |
| Core capital (leverage) ratio | 13.1772% | 1,331 |
| Tier 1 risk-based capital ratio | 40.1342% | 282 |
| Total risk-based capital ratio | 41.3975% | 276 |
| Memoranda: | ||
| Average total assets | $94,209,000 | 5,296 |
| Average earning assets | $86,226,750 | 5,298 |
| Average equity | $12,070,250 | 4,773 |
| Average total loans | $25,334,250 | 6,949 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0073% | 6,747 |
| Cost of funding earning assets | 1.0426% | 7,474 |
| Net interest margin | 3.9647% | 2,845 |
| Noninterest income to average assets | 0.6233% | 3,512 |
| Noninterest expense to average assets | 2.8657% | 4,658 |
| Loan and lease loss provision to assets | 0.1171% | 5,963 |
| Net operating income to assets | 0.8304% | 2,734 |
| Return on assets (ROA) | 0.8304% | 2,827 |
| Pretax return on assets | 1.2676% | 2,112 |
| Return on Equity (ROE) | 6.6952% | 3,337 |
| Retained earnings to average equity (ytd only) | 1.6358% | 4,427 |
| Net charge-offs to loans | 0.1070% | 5,090 |
| Credit loss provision to net charge-offs | 430.7692% | 1,073 |
| Earnings coverage of net charge-offs (x) | 50.9231% | 676 |
| Efficiency ratio | 67.4213% | 5,269 |
| Assets per employee ($millions) | 2.8179% | 6,582 |
| Cash dividends to net income (ytd only)* | 75.5668% | 1,184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4028% | 986 |
| Loan loss allowance to noncurrent loans | 82.0817% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 0.8829% | 5,226 |
| Noncurrent loans to loans | 2.9273% | 2,456 |
| Net loans and leases to total assets | 27.2120% | 7,942 |
| Net loans and leases to deposits | 31.5331% | 7,974 |
| Net loans and leases to core deposits | 39.4147% | 7,935 |
| Total domestic deposits to total assets | 86.2967% | 2,629 |
| Equity capital to assets | 13.3463% | 1,542 |
| Core capital (leverage) ratio | 12.5415% | 1,604 |
| Tier 1 risk-based capital ratio | 44.1879% | 232 |
| Total risk-based capital ratio | 45.4509% | 232 |
| Memoranda: | ||
| Average total assets | $95,613,000 | 5,292 |
| Average earning assets | $87,472,000 | 5,282 |
| Average equity | $11,859,330 | 4,854 |
| Average total loans | $24,306,670 | 7,066 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 6,776 |
| Cost of funding earning assets | 1.1090% | 7,505 |
| Net interest margin | 3.9452% | 2,869 |
| Noninterest income to average assets | 0.6025% | 3,528 |
| Noninterest expense to average assets | 2.7692% | 4,703 |
| Loan and lease loss provision to assets | 0.0825% | 5,904 |
| Net operating income to assets | 1.0317% | 2,183 |
| Return on assets (ROA) | 1.0317% | 2,324 |
| Pretax return on assets | 1.3330% | 2,168 |
| Return on Equity (ROE) | 8.6330% | 2,873 |
| Retained earnings to average equity (ytd only) | -1.7266% | 6,044 |
| Net charge-offs to loans | 0.2894% | 2,957 |
| Credit loss provision to net charge-offs | 117.6471% | 3,323 |
| Earnings coverage of net charge-offs (x) | 20.1765% | 1,388 |
| Efficiency ratio | 66.1736% | 5,297 |
| Assets per employee ($millions) | 2.8952% | 6,423 |
| Cash dividends to net income (ytd only)* | 120.0000% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6114% | 677 |
| Loan loss allowance to noncurrent loans | 272.4299% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.2889% | 6,649 |
| Noncurrent loans to loans | 0.9586% | 5,077 |
| Net loans and leases to total assets | 22.7562% | 8,054 |
| Net loans and leases to deposits | 26.0839% | 8,083 |
| Net loans and leases to core deposits | 32.3860% | 8,068 |
| Total domestic deposits to total assets | 87.2424% | 2,097 |
| Equity capital to assets | 12.5200% | 1,961 |
| Core capital (leverage) ratio | 12.1808% | 1,825 |
| Tier 1 risk-based capital ratio | 48.8638% | 222 |
| Total risk-based capital ratio | 50.1276% | 217 |
| Memoranda: | ||
| Average total assets | $96,923,500 | 5,275 |
| Average earning assets | $88,006,500 | 5,288 |
| Average equity | $11,583,500 | 4,961 |
| Average total loans | $23,496,000 | 7,158 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9030% | 6,021 |
| Cost of funding earning assets | 1.7136% | 7,229 |
| Net interest margin | 4.1894% | 2,355 |
| Noninterest income to average assets | 0.7919% | 2,562 |
| Noninterest expense to average assets | 2.9297% | 4,335 |
| Loan and lease loss provision to assets | 0.0398% | 6,916 |
| Net operating income to assets | 1.1846% | 1,830 |
| Return on assets (ROA) | 1.1846% | 1,758 |
| Pretax return on assets | 1.6364% | 1,293 |
| Return on Equity (ROE) | 9.5948% | 2,400 |
| Retained earnings to average equity (ytd only) | 4.2789% | 2,454 |
| Net charge-offs to loans | 0.0237% | 6,515 |
| Credit loss provision to net charge-offs | 616.6667% | 696 |
| Earnings coverage of net charge-offs (x) | 259.6667% | 190 |
| Efficiency ratio | 63.6066% | 5,642 |
| Assets per employee ($millions) | 3.0720% | 5,860 |
| Cash dividends to net income (ytd only)* | 55.4042% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3513% | 797 |
| Loan loss allowance to noncurrent loans | 185.8974% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3805% | 6,099 |
| Noncurrent loans to loans | 1.2648% | 3,977 |
| Net loans and leases to total assets | 24.5026% | 8,099 |
| Net loans and leases to deposits | 27.6897% | 8,140 |
| Net loans and leases to core deposits | 33.9096% | 8,128 |
| Total domestic deposits to total assets | 88.4898% | 1,255 |
| Equity capital to assets | 11.3983% | 2,703 |
| Core capital (leverage) ratio | 12.6623% | 1,680 |
| Tier 1 risk-based capital ratio | 40.9016% | 320 |
| Total risk-based capital ratio | 42.1611% | 310 |
| Memoranda: | ||
| Average total assets | $92,945,600 | 5,262 |
| Average earning assets | $84,618,000 | 5,285 |
| Average equity | $11,475,000 | 4,979 |
| Average total loans | $25,301,200 | 7,010 |