Home > First Bank & Trust > Performance and Condition Ratios
First Bank & Trust, Performance and Condition Ratios
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6190% | 4,893 |
| Cost of funding earning assets | 0.1081% | 4,603 |
| Net interest margin | 1.5109% | 4,872 |
| Noninterest income to average assets | 0.3291% | 3,455 |
| Noninterest expense to average assets | 1.6215% | 4,502 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.1110% | 4,706 |
| Return on assets (ROA) | -1.9374% | 4,953 |
| Pretax return on assets | -2.0170% | 4,952 |
| Return on Equity (ROE) | -13.9710% | 4,950 |
| Retained earnings to average equity (ytd only) | -13.9710% | 4,870 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2824% | 295 |
| Assets per employee ($millions) | 6.5475% | 2,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4551% | 280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 17.7558% | 4,878 |
| Net loans and leases to deposits | 20.5052% | 4,882 |
| Net loans and leases to core deposits | 20.6957% | 4,883 |
| Total domestic deposits to total assets | 86.5917% | 2,486 |
| Equity capital to assets | 13.3127% | 829 |
| Core capital (leverage) ratio | 10.7809% | 1,880 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.1201% | 231 |
| Memoranda: | ||
| Average total assets | $150,721,000 | 3,520 |
| Average earning assets | $140,582,000 | 3,508 |
| Average equity | $20,900,500 | 3,161 |
| Average total loans | $28,096,000 | 4,530 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2087% | 4,894 |
| Cost of funding earning assets | 0.2214% | 4,503 |
| Net interest margin | 1.9874% | 4,830 |
| Noninterest income to average assets | 0.4960% | 2,649 |
| Noninterest expense to average assets | 2.1337% | 3,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.1941% | 4,578 |
| Return on assets (ROA) | 0.6589% | 3,686 |
| Pretax return on assets | 0.6878% | 3,906 |
| Return on Equity (ROE) | 4.1685% | 4,124 |
| Retained earnings to average equity (ytd only) | 0.4215% | 4,388 |
| Net charge-offs to loans | -0.0506% | 4,670 |
| Credit loss provision to net charge-offs | 0.0000% | 3,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2892% | 331 |
| Assets per employee ($millions) | 5.3875% | 2,969 |
| Cash dividends to net income (ytd only)* | 89.8876% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3384% | 325 |
| 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 | 18.6325% | 4,893 |
| Net loans and leases to deposits | 21.8519% | 4,894 |
| Net loans and leases to core deposits | 22.0575% | 4,898 |
| Total domestic deposits to total assets | 85.2674% | 2,664 |
| Equity capital to assets | 14.4204% | 697 |
| Core capital (leverage) ratio | 11.5226% | 1,455 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0500% | 580 |
| Memoranda: | ||
| Average total assets | $135,072,600 | 3,564 |
| Average earning assets | $125,139,000 | 3,567 |
| Average equity | $21,350,800 | 3,068 |
| Average total loans | $29,619,600 | 4,523 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2570% | 4,939 |
| Cost of funding earning assets | 0.2530% | 4,501 |
| Net interest margin | 2.0040% | 4,885 |
| Noninterest income to average assets | 0.4464% | 2,863 |
| Noninterest expense to average assets | 2.1454% | 3,831 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.1297% | 4,671 |
| Return on assets (ROA) | 0.7016% | 3,555 |
| Pretax return on assets | 0.8185% | 3,598 |
| Return on Equity (ROE) | 4.3293% | 4,088 |
| Retained earnings to average equity (ytd only) | 4.3293% | 2,880 |
| Net charge-offs to loans | -0.0626% | 4,735 |
| Credit loss provision to net charge-offs | 0.0000% | 3,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3215% | 276 |
| Assets per employee ($millions) | 5.5300% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4154% | 257 |
| Loan loss allowance to noncurrent loans | 1,866.6667% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0250% | 4,338 |
| Noncurrent loans to loans | 0.1294% | 3,868 |
| Net loans and leases to total assets | 18.8831% | 4,938 |
| Net loans and leases to deposits | 22.2537% | 4,939 |
| Net loans and leases to core deposits | 22.4735% | 4,941 |
| Total domestic deposits to total assets | 84.8538% | 2,496 |
| Equity capital to assets | 14.8812% | 664 |
| Core capital (leverage) ratio | 12.4484% | 1,140 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.6863% | 423 |
| Memoranda: | ||
| Average total assets | $131,128,500 | 3,600 |
| Average earning assets | $121,221,750 | 3,603 |
| Average equity | $21,250,250 | 3,070 |
| Average total loans | $29,829,500 | 4,544 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5409% | 4,955 |
| Cost of funding earning assets | 0.2871% | 4,519 |
| Net interest margin | 2.2538% | 4,855 |
| Noninterest income to average assets | 0.4996% | 2,564 |
| Noninterest expense to average assets | 2.2472% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2564% | 4,499 |
| Return on assets (ROA) | 0.6461% | 3,681 |
| Pretax return on assets | 0.8242% | 3,524 |
| Return on Equity (ROE) | 3.8676% | 4,143 |
| Retained earnings to average equity (ytd only) | 3.8676% | 2,977 |
| Net charge-offs to loans | -0.0918% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1638% | 491 |
| Assets per employee ($millions) | 4.5920% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4160% | 245 |
| Loan loss allowance to noncurrent loans | 1,813.5135% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 4,416 |
| Noncurrent loans to loans | 0.1332% | 3,923 |
| Net loans and leases to total assets | 19.6735% | 4,961 |
| Net loans and leases to deposits | 23.4696% | 4,970 |
| Net loans and leases to core deposits | 23.6315% | 4,967 |
| Total domestic deposits to total assets | 83.8254% | 2,808 |
| Equity capital to assets | 15.7333% | 505 |
| Core capital (leverage) ratio | 13.1707% | 954 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9161% | 243 |
| Memoranda: | ||
| Average total assets | $126,911,667 | 3,637 |
| Average earning assets | $117,047,000 | 3,634 |
| Average equity | $21,201,667 | 3,063 |
| Average total loans | $30,498,667 | 4,553 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9623% | 4,964 |
| Cost of funding earning assets | 0.3483% | 4,520 |
| Net interest margin | 2.6140% | 4,742 |
| Noninterest income to average assets | 0.4972% | 2,562 |
| Noninterest expense to average assets | 2.3706% | 3,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.3959% | 4,144 |
| Return on assets (ROA) | 0.5103% | 3,923 |
| Pretax return on assets | 0.6684% | 3,775 |
| Return on Equity (ROE) | 2.9572% | 4,227 |
| Retained earnings to average equity (ytd only) | 2.9572% | 3,101 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9113% | 977 |
| Assets per employee ($millions) | 4.3939% | 3,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1640% | 397 |
| Loan loss allowance to noncurrent loans | 1,731.5789% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 4,467 |
| Noncurrent loans to loans | 0.1250% | 4,018 |
| Net loans and leases to total assets | 24.1795% | 4,975 |
| Net loans and leases to deposits | 29.5327% | 4,981 |
| Net loans and leases to core deposits | 29.7662% | 4,991 |
| Total domestic deposits to total assets | 81.8735% | 3,452 |
| Equity capital to assets | 17.6079% | 387 |
| Core capital (leverage) ratio | 14.1008% | 884 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.6412% | 201 |
| Memoranda: | ||
| Average total assets | $121,488,000 | 3,684 |
| Average earning assets | $111,398,500 | 3,696 |
| Average equity | $20,965,500 | 3,078 |
| Average total loans | $31,861,500 | 4,562 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9680% | 5,064 |
| Cost of funding earning assets | 0.4295% | 4,342 |
| Net interest margin | 2.5386% | 4,951 |
| Noninterest income to average assets | 1.8943% | 286 |
| Noninterest expense to average assets | 2.6380% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.2572% | 1,840 |
| Return on assets (ROA) | 1.1010% | 2,541 |
| Pretax return on assets | 1.3787% | 2,237 |
| Return on Equity (ROE) | 7.0537% | 3,533 |
| Retained earnings to average equity (ytd only) | 2.5029% | 3,781 |
| Net charge-offs to loans | 0.0418% | 2,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 170.4615% | 448 |
| Efficiency ratio | 62.6307% | 3,272 |
| Assets per employee ($millions) | 4.2838% | 3,531 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9750% | 475 |
| Loan loss allowance to noncurrent loans | 1,687.1795% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0325% | 4,482 |
| Noncurrent loans to loans | 0.1171% | 4,067 |
| Net loans and leases to total assets | 27.2281% | 5,008 |
| Net loans and leases to deposits | 32.8816% | 5,010 |
| Net loans and leases to core deposits | 33.1446% | 5,022 |
| Total domestic deposits to total assets | 82.8064% | 3,269 |
| Equity capital to assets | 16.8976% | 481 |
| Core capital (leverage) ratio | 13.6389% | 1,017 |
| Tier 1 risk-based capital ratio | 30.2075% | 466 |
| Total risk-based capital ratio | 31.4221% | 462 |
| Memoranda: | ||
| Average total assets | $140,787,400 | 3,426 |
| Average earning assets | $128,536,000 | 3,451 |
| Average equity | $21,974,400 | 2,961 |
| Average total loans | $31,065,000 | 4,618 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9893% | 5,154 |
| Cost of funding earning assets | 0.4370% | 4,375 |
| Net interest margin | 2.5523% | 5,033 |
| Noninterest income to average assets | 2.2329% | 224 |
| Noninterest expense to average assets | 2.6310% | 3,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5390% | 1,091 |
| Return on assets (ROA) | 1.3242% | 1,822 |
| Pretax return on assets | 1.6639% | 1,433 |
| Return on Equity (ROE) | 8.6304% | 3,043 |
| Retained earnings to average equity (ytd only) | 8.6304% | 1,157 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6546% | 3,985 |
| Assets per employee ($millions) | 4.8999% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0872% | 399 |
| Loan loss allowance to noncurrent loans | 1,636.5854% | 388 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 4,569 |
| Noncurrent loans to loans | 0.1275% | 4,081 |
| Net loans and leases to total assets | 24.7078% | 5,124 |
| Net loans and leases to deposits | 30.7339% | 5,119 |
| Net loans and leases to core deposits | 30.9703% | 5,127 |
| Total domestic deposits to total assets | 80.3928% | 3,892 |
| Equity capital to assets | 19.0821% | 306 |
| Core capital (leverage) ratio | 16.6386% | 484 |
| Tier 1 risk-based capital ratio | 38.6850% | 268 |
| Total risk-based capital ratio | 39.9336% | 263 |
| Memoranda: | ||
| Average total assets | $145,997,750 | 3,384 |
| Average earning assets | $133,314,750 | 3,410 |
| Average equity | $22,401,000 | 2,945 |
| Average total loans | $30,502,000 | 4,691 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1304% | 5,177 |
| Cost of funding earning assets | 0.4649% | 4,260 |
| Net interest margin | 2.6655% | 5,027 |
| Noninterest income to average assets | 3.0066% | 152 |
| Noninterest expense to average assets | 2.8647% | 2,373 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.0332% | 366 |
| Return on assets (ROA) | 1.7280% | 717 |
| Pretax return on assets | 2.1893% | 454 |
| Return on Equity (ROE) | 12.0838% | 1,544 |
| Retained earnings to average equity (ytd only) | 12.0838% | 397 |
| Net charge-offs to loans | -0.0134% | 4,413 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6570% | 4,601 |
| Assets per employee ($millions) | 4.8532% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2095% | 107 |
| Loan loss allowance to noncurrent loans | 1,565.1163% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0341% | 4,602 |
| Noncurrent loans to loans | 0.2051% | 3,814 |
| Net loans and leases to total assets | 16.0846% | 5,226 |
| Net loans and leases to deposits | 19.9318% | 5,219 |
| Net loans and leases to core deposits | 20.0857% | 5,221 |
| Total domestic deposits to total assets | 80.6979% | 3,893 |
| Equity capital to assets | 18.7902% | 305 |
| Core capital (leverage) ratio | 13.3185% | 1,182 |
| Tier 1 risk-based capital ratio | 42.3403% | 207 |
| Total risk-based capital ratio | 43.5918% | 204 |
| Memoranda: | ||
| Average total assets | $152,198,000 | 3,327 |
| Average earning assets | $138,962,000 | 3,343 |
| Average equity | $21,764,670 | 2,997 |
| Average total loans | $29,953,330 | 4,738 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9970% | 5,270 |
| Cost of funding earning assets | 0.4240% | 4,384 |
| Net interest margin | 2.5730% | 5,155 |
| Noninterest income to average assets | 0.5448% | 2,314 |
| Noninterest expense to average assets | 2.2784% | 4,078 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4842% | 4,561 |
| Return on assets (ROA) | 0.4842% | 4,582 |
| Pretax return on assets | 0.6174% | 4,479 |
| Return on Equity (ROE) | 3.8476% | 4,609 |
| Retained earnings to average equity (ytd only) | 3.8476% | 3,381 |
| Net charge-offs to loans | -0.0348% | 4,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6789% | 1,197 |
| Assets per employee ($millions) | 3.6969% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9618% | 541 |
| Loan loss allowance to noncurrent loans | 1,497.7778% | 419 |
| Noncurrent assets plus other real estate owned to assets | 0.0270% | 4,715 |
| Noncurrent loans to loans | 0.1310% | 4,149 |
| Net loans and leases to total assets | 20.2465% | 5,259 |
| Net loans and leases to deposits | 23.3617% | 5,265 |
| Net loans and leases to core deposits | 23.5814% | 5,266 |
| Total domestic deposits to total assets | 86.6651% | 1,978 |
| Equity capital to assets | 13.1582% | 1,367 |
| Core capital (leverage) ratio | 11.9933% | 1,777 |
| Tier 1 risk-based capital ratio | 29.1973% | 503 |
| Total risk-based capital ratio | 30.2323% | 503 |
| Memoranda: | ||
| Average total assets | $165,205,500 | 3,234 |
| Average earning assets | $150,952,500 | 3,257 |
| Average equity | $20,792,000 | 3,085 |
| Average total loans | $34,445,500 | 4,691 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7943% | 5,295 |
| Cost of funding earning assets | 0.3114% | 4,511 |
| Net interest margin | 2.4829% | 5,224 |
| Noninterest income to average assets | 0.5814% | 2,397 |
| Noninterest expense to average assets | 2.2700% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.4311% | 4,806 |
| Return on assets (ROA) | 0.4311% | 4,802 |
| Pretax return on assets | 0.5413% | 4,734 |
| Return on Equity (ROE) | 3.5718% | 4,804 |
| Retained earnings to average equity (ytd only) | 0.0992% | 4,960 |
| Net charge-offs to loans | 0.0632% | 2,221 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | 43.0476% | 1,248 |
| Efficiency ratio | 80.7455% | 897 |
| Assets per employee ($millions) | 3.6456% | 4,395 |
| Cash dividends to net income (ytd only)* | 97.2222% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9430% | 532 |
| Loan loss allowance to noncurrent loans | 1,458.6957% | 459 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 4,723 |
| Noncurrent loans to loans | 0.1332% | 4,142 |
| Net loans and leases to total assets | 20.6424% | 5,303 |
| Net loans and leases to deposits | 23.4915% | 5,307 |
| Net loans and leases to core deposits | 23.7123% | 5,311 |
| Total domestic deposits to total assets | 87.8715% | 1,358 |
| Equity capital to assets | 12.0048% | 1,890 |
| Core capital (leverage) ratio | 12.0482% | 1,708 |
| Tier 1 risk-based capital ratio | 28.5816% | 533 |
| Total risk-based capital ratio | 29.6009% | 537 |
| Memoranda: | ||
| Average total assets | $167,003,600 | 3,199 |
| Average earning assets | $149,984,800 | 3,245 |
| Average equity | $20,157,800 | 3,075 |
| Average total loans | $33,246,400 | 4,741 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7864% | 5,359 |
| Cost of funding earning assets | 0.3005% | 4,512 |
| Net interest margin | 2.4858% | 5,289 |
| Noninterest income to average assets | 0.5373% | 2,629 |
| Noninterest expense to average assets | 2.2248% | 4,269 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3935% | 4,973 |
| Return on assets (ROA) | 0.3935% | 4,971 |
| Pretax return on assets | 0.4952% | 4,911 |
| Return on Equity (ROE) | 3.2553% | 4,963 |
| Retained earnings to average equity (ytd only) | 3.2553% | 4,114 |
| Net charge-offs to loans | 0.0162% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | 155.8443% | 526 |
| Efficiency ratio | 81.7943% | 792 |
| Assets per employee ($millions) | 3.7407% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2593% | 319 |
| Loan loss allowance to noncurrent loans | 1,058.4615% | 572 |
| Noncurrent assets plus other real estate owned to assets | 0.0404% | 4,778 |
| Noncurrent loans to loans | 0.2135% | 3,944 |
| Net loans and leases to total assets | 18.5044% | 5,392 |
| Net loans and leases to deposits | 21.0266% | 5,393 |
| Net loans and leases to core deposits | 21.2272% | 5,394 |
| Total domestic deposits to total assets | 88.0048% | 1,235 |
| Equity capital to assets | 11.8062% | 2,029 |
| Core capital (leverage) ratio | 12.3144% | 1,603 |
| Tier 1 risk-based capital ratio | 30.1497% | 470 |
| Total risk-based capital ratio | 31.2252% | 472 |
| Memoranda: | ||
| Average total assets | $167,741,750 | 3,217 |
| Average earning assets | $147,284,750 | 3,308 |
| Average equity | $20,273,750 | 3,094 |
| Average total loans | $32,924,250 | 4,797 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7313% | 5,427 |
| Cost of funding earning assets | 0.2967% | 4,437 |
| Net interest margin | 2.4346% | 5,372 |
| Noninterest income to average assets | 0.5411% | 2,624 |
| Noninterest expense to average assets | 2.1865% | 4,399 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.4175% | 4,926 |
| Return on assets (ROA) | 0.4175% | 4,930 |
| Pretax return on assets | 0.5258% | 4,860 |
| Return on Equity (ROE) | 3.4297% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.4297% | 3,863 |
| Net charge-offs to loans | 0.0948% | 1,399 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 27.9375% | 1,567 |
| Efficiency ratio | 80.6158% | 947 |
| Assets per employee ($millions) | 3.7197% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2262% | 356 |
| Loan loss allowance to noncurrent loans | 1,008.9552% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 4,829 |
| Noncurrent loans to loans | 0.2206% | 3,930 |
| Net loans and leases to total assets | 17.7373% | 5,455 |
| Net loans and leases to deposits | 20.2212% | 5,461 |
| Net loans and leases to core deposits | 20.5220% | 5,463 |
| Total domestic deposits to total assets | 87.7165% | 1,524 |
| Equity capital to assets | 12.1103% | 1,778 |
| Core capital (leverage) ratio | 11.8216% | 1,823 |
| Tier 1 risk-based capital ratio | 28.5887% | 533 |
| Total risk-based capital ratio | 29.5979% | 536 |
| Memoranda: | ||
| Average total assets | $170,039,670 | 3,214 |
| Average earning assets | $151,647,000 | 3,271 |
| Average equity | $20,701,670 | 3,063 |
| Average total loans | $33,748,330 | 4,814 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6682% | 5,490 |
| Cost of funding earning assets | 0.2860% | 4,453 |
| Net interest margin | 2.3822% | 5,445 |
| Noninterest income to average assets | 0.5672% | 2,434 |
| Noninterest expense to average assets | 2.1591% | 4,509 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4645% | 4,781 |
| Return on assets (ROA) | 0.4645% | 4,786 |
| Pretax return on assets | 0.5859% | 4,718 |
| Return on Equity (ROE) | 3.8055% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.8055% | 3,675 |
| Net charge-offs to loans | -0.0113% | 4,301 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6565% | 1,301 |
| Assets per employee ($millions) | 3.9009% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 20.4083% | 5,501 |
| Net loans and leases to deposits | 23.1771% | 5,507 |
| Net loans and leases to core deposits | 23.5118% | 5,509 |
| Total domestic deposits to total assets | 88.0536% | 1,589 |
| Equity capital to assets | 11.7722% | 1,931 |
| Core capital (leverage) ratio | 11.5017% | 2,012 |
| Tier 1 risk-based capital ratio | 27.2860% | 597 |
| Total risk-based capital ratio | 28.2816% | 608 |
| Memoranda: | ||
| Average total assets | $171,366,000 | 3,236 |
| Average earning assets | $156,662,000 | 3,248 |
| Average equity | $20,917,000 | 3,058 |
| Average total loans | $35,439,500 | 4,816 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4413% | 5,569 |
| Cost of funding earning assets | 0.2776% | 4,342 |
| Net interest margin | 2.1637% | 5,547 |
| Noninterest income to average assets | 0.5553% | 2,683 |
| Noninterest expense to average assets | 2.1466% | 4,659 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.2886% | 4,946 |
| Return on assets (ROA) | 0.2886% | 4,964 |
| Pretax return on assets | 0.3879% | 5,105 |
| Return on Equity (ROE) | 2.2744% | 4,999 |
| Retained earnings to average equity (ytd only) | 0.4549% | 4,856 |
| Net charge-offs to loans | 0.4839% | 491 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 4.4503% | 3,464 |
| Efficiency ratio | 84.6960% | 715 |
| Assets per employee ($millions) | 4.0736% | 3,850 |
| Cash dividends to net income (ytd only)* | 80.0000% | 845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9683% | 569 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 20.1443% | 5,573 |
| Net loans and leases to deposits | 23.0946% | 5,580 |
| Net loans and leases to core deposits | 23.3921% | 5,579 |
| Total domestic deposits to total assets | 87.2249% | 1,890 |
| Equity capital to assets | 12.6412% | 1,432 |
| Core capital (leverage) ratio | 11.1380% | 2,206 |
| Tier 1 risk-based capital ratio | 27.8764% | 549 |
| Total risk-based capital ratio | 28.9028% | 547 |
| Memoranda: | ||
| Average total assets | $173,246,800 | 3,204 |
| Average earning assets | $158,478,200 | 3,217 |
| Average equity | $21,983,400 | 2,956 |
| Average total loans | $31,202,800 | 4,996 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3935% | 5,643 |
| Cost of funding earning assets | 0.2752% | 4,357 |
| Net interest margin | 2.1183% | 5,618 |
| Noninterest income to average assets | 0.5225% | 2,884 |
| Noninterest expense to average assets | 2.0469% | 4,855 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.3222% | 5,174 |
| Return on assets (ROA) | 0.3222% | 5,202 |
| Pretax return on assets | 0.4128% | 5,167 |
| Return on Equity (ROE) | 2.5371% | 5,216 |
| Retained earnings to average equity (ytd only) | 2.5371% | 4,374 |
| Net charge-offs to loans | 0.8252% | 218 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 2.8770% | 3,416 |
| Efficiency ratio | 83.2190% | 819 |
| Assets per employee ($millions) | 3.9680% | 4,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3058% | 341 |
| Loan loss allowance to noncurrent loans | 1,261.5385% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.0298% | 5,092 |
| Noncurrent loans to loans | 0.1828% | 4,335 |
| Net loans and leases to total assets | 15.9192% | 5,663 |
| Net loans and leases to deposits | 18.3513% | 5,667 |
| Net loans and leases to core deposits | 18.6152% | 5,668 |
| Total domestic deposits to total assets | 86.7470% | 1,976 |
| Equity capital to assets | 13.1207% | 1,328 |
| Core capital (leverage) ratio | 11.3535% | 2,136 |
| Tier 1 risk-based capital ratio | 30.4701% | 459 |
| Total risk-based capital ratio | 31.5159% | 465 |
| Memoranda: | ||
| Average total assets | $173,785,750 | 3,220 |
| Average earning assets | $158,929,250 | 3,238 |
| Average equity | $22,072,250 | 2,973 |
| Average total loans | $30,214,250 | 5,073 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4215% | 5,679 |
| Cost of funding earning assets | 0.2741% | 4,342 |
| Net interest margin | 2.1474% | 5,661 |
| Noninterest income to average assets | 0.5348% | 2,798 |
| Noninterest expense to average assets | 2.0148% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4034% | 4,975 |
| Return on assets (ROA) | 0.4034% | 5,003 |
| Pretax return on assets | 0.4795% | 5,043 |
| Return on Equity (ROE) | 3.2119% | 5,061 |
| Retained earnings to average equity (ytd only) | 3.2119% | 3,804 |
| Net charge-offs to loans | 1.2986% | 146 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 2.0800% | 3,207 |
| Efficiency ratio | 80.7763% | 1,128 |
| Assets per employee ($millions) | 3.5874% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3023% | 375 |
| Loan loss allowance to noncurrent loans | 1,190.7407% | 508 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 5,145 |
| Noncurrent loans to loans | 0.1933% | 4,345 |
| Net loans and leases to total assets | 15.5227% | 5,716 |
| Net loans and leases to deposits | 17.8762% | 5,712 |
| Net loans and leases to core deposits | 18.1793% | 5,719 |
| Total domestic deposits to total assets | 86.8348% | 2,024 |
| Equity capital to assets | 13.0384% | 1,361 |
| Core capital (leverage) ratio | 11.3105% | 2,120 |
| Tier 1 risk-based capital ratio | 30.8730% | 433 |
| Total risk-based capital ratio | 31.9154% | 443 |
| Memoranda: | ||
| Average total assets | $173,516,330 | 3,245 |
| Average earning assets | $158,328,670 | 3,269 |
| Average equity | $21,793,670 | 3,000 |
| Average total loans | $30,802,330 | 5,088 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4396% | 5,736 |
| Cost of funding earning assets | 0.2705% | 4,353 |
| Net interest margin | 2.1691% | 5,714 |
| Noninterest income to average assets | 0.5615% | 2,599 |
| Noninterest expense to average assets | 2.0976% | 4,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3573% | 5,052 |
| Return on assets (ROA) | 0.3573% | 5,075 |
| Pretax return on assets | 0.4362% | 5,087 |
| Return on Equity (ROE) | 2.9014% | 5,130 |
| Retained earnings to average equity (ytd only) | 2.9014% | 3,967 |
| Net charge-offs to loans | 2.5683% | 68 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.9082% | 2,784 |
| Efficiency ratio | 82.7839% | 1,088 |
| Assets per employee ($millions) | 3.6369% | 4,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0491% | 611 |
| Loan loss allowance to noncurrent loans | 1,135.7143% | 549 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 5,187 |
| Noncurrent loans to loans | 0.1804% | 4,477 |
| Net loans and leases to total assets | 17.4151% | 5,766 |
| Net loans and leases to deposits | 19.9074% | 5,769 |
| Net loans and leases to core deposits | 20.2109% | 5,770 |
| Total domestic deposits to total assets | 87.4803% | 1,995 |
| Equity capital to assets | 12.4721% | 1,563 |
| Core capital (leverage) ratio | 11.3009% | 2,102 |
| Tier 1 risk-based capital ratio | 29.9133% | 484 |
| Total risk-based capital ratio | 30.9228% | 489 |
| Memoranda: | ||
| Average total assets | $172,384,000 | 3,286 |
| Average earning assets | $156,749,500 | 3,314 |
| Average equity | $21,231,000 | 3,061 |
| Average total loans | $32,239,000 | 5,082 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3836% | 5,792 |
| Cost of funding earning assets | 0.2701% | 4,365 |
| Net interest margin | 2.1135% | 5,783 |
| Noninterest income to average assets | 0.5914% | 2,705 |
| Noninterest expense to average assets | 2.2191% | 4,730 |
| Loan and lease loss provision to assets | 1.0778% | 93 |
| Net operating income to assets | -0.4897% | 5,787 |
| Return on assets (ROA) | -0.2824% | 5,747 |
| Pretax return on assets | -0.4381% | 5,769 |
| Return on Equity (ROE) | -2.0544% | 5,734 |
| Retained earnings to average equity (ytd only) | -4.5700% | 5,661 |
| Net charge-offs to loans | 5.3556% | 7 |
| Credit loss provision to net charge-offs | 98.2143% | 2,638 |
| Earnings coverage of net charge-offs (x) | 0.2878% | 4,118 |
| Efficiency ratio | 87.5398% | 715 |
| Assets per employee ($millions) | 3.5457% | 4,686 |
| Cash dividends to net income (ytd only)* | -122.4490% | 5,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5209% | 307 |
| Loan loss allowance to noncurrent loans | 101.5663% | 3,598 |
| Noncurrent assets plus other real estate owned to assets | 0.4877% | 3,307 |
| Noncurrent loans to loans | 2.4821% | 633 |
| Net loans and leases to total assets | 19.1527% | 5,812 |
| Net loans and leases to deposits | 21.8164% | 5,819 |
| Net loans and leases to core deposits | 22.2040% | 5,818 |
| Total domestic deposits to total assets | 87.7905% | 1,751 |
| Equity capital to assets | 12.1561% | 1,702 |
| Core capital (leverage) ratio | 11.2612% | 2,115 |
| Tier 1 risk-based capital ratio | 28.7715% | 529 |
| Total risk-based capital ratio | 30.0212% | 522 |
| Memoranda: | ||
| Average total assets | $173,495,200 | 3,238 |
| Average earning assets | $159,545,400 | 3,245 |
| Average equity | $23,851,000 | 2,811 |
| Average total loans | $35,551,600 | 5,029 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4192% | 5,847 |
| Cost of funding earning assets | 0.2692% | 4,398 |
| Net interest margin | 2.1500% | 5,841 |
| Noninterest income to average assets | 0.5645% | 2,851 |
| Noninterest expense to average assets | 2.1630% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2627% | 5,366 |
| Return on assets (ROA) | 0.5507% | 4,599 |
| Pretax return on assets | 0.8169% | 4,258 |
| Return on Equity (ROE) | 3.8958% | 4,943 |
| Retained earnings to average equity (ytd only) | 0.6493% | 5,192 |
| Net charge-offs to loans | 0.1072% | 1,875 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 17.4463% | 2,049 |
| Efficiency ratio | 84.8230% | 920 |
| Assets per employee ($millions) | 3.4821% | 4,798 |
| Cash dividends to net income (ytd only)* | 83.3330% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6425% | 280 |
| Loan loss allowance to noncurrent loans | 22.5832% | 5,290 |
| Noncurrent assets plus other real estate owned to assets | 2.2008% | 666 |
| Noncurrent loans to loans | 11.7011% | 24 |
| Net loans and leases to total assets | 18.3112% | 5,888 |
| Net loans and leases to deposits | 21.5024% | 5,894 |
| Net loans and leases to core deposits | 21.9724% | 5,894 |
| Total domestic deposits to total assets | 85.1590% | 2,732 |
| Equity capital to assets | 14.6183% | 836 |
| Core capital (leverage) ratio | 11.8711% | 1,774 |
| Tier 1 risk-based capital ratio | 30.9803% | 444 |
| Total risk-based capital ratio | 32.2302% | 442 |
| Memoranda: | ||
| Average total assets | $174,320,250 | 3,239 |
| Average earning assets | $160,988,500 | 3,236 |
| Average equity | $24,641,500 | 2,772 |
| Average total loans | $36,079,500 | 5,063 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5094% | 5,900 |
| Cost of funding earning assets | 0.2681% | 4,464 |
| Net interest margin | 2.2413% | 5,883 |
| Noninterest income to average assets | 0.5674% | 2,808 |
| Noninterest expense to average assets | 2.1270% | 5,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3527% | 5,172 |
| Return on assets (ROA) | 0.4101% | 5,091 |
| Pretax return on assets | 0.5901% | 4,907 |
| Return on Equity (ROE) | 2.9338% | 5,260 |
| Retained earnings to average equity (ytd only) | 0.4890% | 5,155 |
| Net charge-offs to loans | 0.2032% | 1,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 11.7105% | 2,239 |
| Efficiency ratio | 80.7526% | 1,408 |
| Assets per employee ($millions) | 3.5161% | 4,728 |
| Cash dividends to net income (ytd only)* | 83.3333% | 824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5607% | 335 |
| Loan loss allowance to noncurrent loans | 1,353.2258% | 452 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 5,441 |
| Noncurrent loans to loans | 0.1892% | 4,679 |
| Net loans and leases to total assets | 18.1600% | 5,961 |
| Net loans and leases to deposits | 21.8451% | 5,962 |
| Net loans and leases to core deposits | 22.2798% | 5,964 |
| Total domestic deposits to total assets | 83.1306% | 3,600 |
| Equity capital to assets | 14.3467% | 920 |
| Core capital (leverage) ratio | 11.6956% | 1,850 |
| Tier 1 risk-based capital ratio | 29.8189% | 506 |
| Total risk-based capital ratio | 31.0677% | 494 |
| Memoranda: | ||
| Average total assets | $175,553,000 | 3,248 |
| Average earning assets | $161,870,330 | 3,243 |
| Average equity | $24,541,330 | 2,787 |
| Average total loans | $37,409,000 | 5,062 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6083% | 5,932 |
| Cost of funding earning assets | 0.2695% | 4,505 |
| Net interest margin | 2.3388% | 5,906 |
| Noninterest income to average assets | 0.6134% | 2,450 |
| Noninterest expense to average assets | 2.0977% | 5,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4496% | 4,833 |
| Return on assets (ROA) | 0.5199% | 4,653 |
| Pretax return on assets | 0.7775% | 4,278 |
| Return on Equity (ROE) | 3.7684% | 4,971 |
| Retained earnings to average equity (ytd only) | 3.7684% | 3,611 |
| Net charge-offs to loans | -0.0403% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7202% | 2,216 |
| Assets per employee ($millions) | 3.6144% | 4,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2919% | 517 |
| Loan loss allowance to noncurrent loans | 917.7083% | 620 |
| Noncurrent assets plus other real estate owned to assets | 0.0553% | 5,395 |
| Noncurrent loans to loans | 0.2497% | 4,536 |
| Net loans and leases to total assets | 21.6484% | 5,972 |
| Net loans and leases to deposits | 25.3108% | 5,983 |
| Net loans and leases to core deposits | 25.8017% | 5,989 |
| Total domestic deposits to total assets | 85.5301% | 2,901 |
| Equity capital to assets | 14.2832% | 889 |
| Core capital (leverage) ratio | 11.7655% | 1,781 |
| Tier 1 risk-based capital ratio | 29.7009% | 520 |
| Total risk-based capital ratio | 30.9521% | 511 |
| Memoranda: | ||
| Average total assets | $175,427,500 | 3,256 |
| Average earning assets | $161,790,000 | 3,261 |
| Average equity | $24,201,000 | 2,817 |
| Average total loans | $39,731,000 | 5,016 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3758% | 6,034 |
| Cost of funding earning assets | 0.2795% | 4,487 |
| Net interest margin | 2.0963% | 6,025 |
| Noninterest income to average assets | 0.6137% | 2,649 |
| Noninterest expense to average assets | 2.1208% | 5,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.2941% | 5,378 |
| Return on assets (ROA) | 0.4086% | 5,108 |
| Pretax return on assets | 0.6012% | 4,835 |
| Return on Equity (ROE) | 3.1305% | 5,259 |
| Retained earnings to average equity (ytd only) | 0.1244% | 5,456 |
| Net charge-offs to loans | -0.0288% | 5,383 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0473% | 1,270 |
| Assets per employee ($millions) | 3.6951% | 4,485 |
| Cash dividends to net income (ytd only)* | 96.0265% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1378% | 653 |
| Loan loss allowance to noncurrent loans | 804.5872% | 718 |
| Noncurrent assets plus other real estate owned to assets | 0.0615% | 5,408 |
| Noncurrent loans to loans | 0.2657% | 4,492 |
| Net loans and leases to total assets | 22.6348% | 6,023 |
| Net loans and leases to deposits | 26.3209% | 6,033 |
| Net loans and leases to core deposits | 26.8171% | 6,034 |
| Total domestic deposits to total assets | 85.9955% | 2,641 |
| Equity capital to assets | 13.3184% | 1,202 |
| Core capital (leverage) ratio | 11.3578% | 2,081 |
| Tier 1 risk-based capital ratio | 27.5875% | 622 |
| Total risk-based capital ratio | 28.8105% | 611 |
| Memoranda: | ||
| Average total assets | $184,790,800 | 3,118 |
| Average earning assets | $171,013,600 | 3,114 |
| Average equity | $24,117,200 | 2,774 |
| Average total loans | $38,178,600 | 5,080 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3428% | 6,137 |
| Cost of funding earning assets | 0.2809% | 4,548 |
| Net interest margin | 2.0619% | 6,121 |
| Noninterest income to average assets | 0.5900% | 2,803 |
| Noninterest expense to average assets | 2.0573% | 5,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3012% | 5,445 |
| Return on assets (ROA) | 0.4129% | 5,208 |
| Pretax return on assets | 0.6058% | 4,960 |
| Return on Equity (ROE) | 3.1791% | 5,326 |
| Retained earnings to average equity (ytd only) | 0.9790% | 5,326 |
| Net charge-offs to loans | -0.0498% | 5,545 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3328% | 1,352 |
| Assets per employee ($millions) | 3.7626% | 4,335 |
| Cash dividends to net income (ytd only)* | 69.2039% | 1,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5587% | 404 |
| Loan loss allowance to noncurrent loans | 715.4472% | 757 |
| Noncurrent assets plus other real estate owned to assets | 0.0681% | 5,483 |
| Noncurrent loans to loans | 0.3576% | 4,331 |
| Net loans and leases to total assets | 18.5555% | 6,157 |
| Net loans and leases to deposits | 22.3540% | 6,156 |
| Net loans and leases to core deposits | 22.6951% | 6,163 |
| Total domestic deposits to total assets | 83.0076% | 3,818 |
| Equity capital to assets | 13.5578% | 1,204 |
| Core capital (leverage) ratio | 11.1900% | 2,315 |
| Tier 1 risk-based capital ratio | 27.4986% | 652 |
| Total risk-based capital ratio | 28.7127% | 636 |
| Memoranda: | ||
| Average total assets | $186,647,500 | 3,119 |
| Average earning assets | $172,781,500 | 3,100 |
| Average equity | $24,241,000 | 2,782 |
| Average total loans | $37,467,500 | 5,160 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4084% | 6,195 |
| Cost of funding earning assets | 0.2800% | 4,616 |
| Net interest margin | 2.1284% | 6,167 |
| Noninterest income to average assets | 0.5958% | 2,768 |
| Noninterest expense to average assets | 2.0417% | 5,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3570% | 5,267 |
| Return on assets (ROA) | 0.5141% | 4,813 |
| Pretax return on assets | 0.7516% | 4,489 |
| Return on Equity (ROE) | 4.0150% | 5,013 |
| Retained earnings to average equity (ytd only) | 1.5315% | 4,933 |
| Net charge-offs to loans | -0.0208% | 5,190 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6856% | 1,803 |
| Assets per employee ($millions) | 3.8816% | 4,109 |
| Cash dividends to net income (ytd only)* | 61.8557% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4989% | 484 |
| Loan loss allowance to noncurrent loans | 550.6329% | 954 |
| Noncurrent assets plus other real estate owned to assets | 0.0848% | 5,527 |
| Noncurrent loans to loans | 0.4538% | 4,113 |
| Net loans and leases to total assets | 18.2189% | 6,227 |
| Net loans and leases to deposits | 22.2782% | 6,227 |
| Net loans and leases to core deposits | 22.6116% | 6,231 |
| Total domestic deposits to total assets | 81.7790% | 4,366 |
| Equity capital to assets | 12.7068% | 1,543 |
| Core capital (leverage) ratio | 11.1956% | 2,250 |
| Tier 1 risk-based capital ratio | 25.6404% | 807 |
| Total risk-based capital ratio | 26.7592% | 805 |
| Memoranda: | ||
| Average total assets | $188,662,000 | 3,119 |
| Average earning assets | $174,305,330 | 3,101 |
| Average equity | $24,159,330 | 2,793 |
| Average total loans | $38,492,670 | 5,161 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5662% | 6,197 |
| Cost of funding earning assets | 0.2887% | 4,564 |
| Net interest margin | 2.2775% | 6,171 |
| Noninterest income to average assets | 0.6300% | 2,500 |
| Noninterest expense to average assets | 2.0334% | 5,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5162% | 4,592 |
| Return on assets (ROA) | 0.5162% | 4,718 |
| Pretax return on assets | 0.7080% | 4,566 |
| Return on Equity (ROE) | 4.0161% | 4,976 |
| Retained earnings to average equity (ytd only) | 0.7377% | 5,157 |
| Net charge-offs to loans | 0.0099% | 3,004 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 336.0000% | 166 |
| Efficiency ratio | 74.1737% | 2,790 |
| Assets per employee ($millions) | 3.9240% | 4,116 |
| Cash dividends to net income (ytd only)* | 81.6327% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1911% | 816 |
| Loan loss allowance to noncurrent loans | 530.6748% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.0865% | 5,592 |
| Noncurrent loans to loans | 0.4129% | 4,351 |
| Net loans and leases to total assets | 20.5000% | 6,262 |
| Net loans and leases to deposits | 24.9246% | 6,264 |
| Net loans and leases to core deposits | 25.2913% | 6,267 |
| Total domestic deposits to total assets | 82.2480% | 4,439 |
| Equity capital to assets | 13.2726% | 1,270 |
| Core capital (leverage) ratio | 9.5415% | 4,211 |
| Tier 1 risk-based capital ratio | 22.8793% | 1,124 |
| Total risk-based capital ratio | 23.9912% | 1,123 |
| Memoranda: | ||
| Average total assets | $189,834,000 | 3,123 |
| Average earning assets | $175,979,500 | 3,104 |
| Average equity | $24,401,500 | 2,795 |
| Average total loans | $40,331,500 | 5,126 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4253% | 6,344 |
| Cost of funding earning assets | 0.2895% | 4,906 |
| Net interest margin | 2.1358% | 6,333 |
| Noninterest income to average assets | 0.6452% | 2,583 |
| Noninterest expense to average assets | 2.2241% | 5,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2462% | 5,669 |
| Return on assets (ROA) | 0.2902% | 5,611 |
| Pretax return on assets | 0.4292% | 5,421 |
| Return on Equity (ROE) | 2.3581% | 5,673 |
| Retained earnings to average equity (ytd only) | 0.8843% | 5,382 |
| Net charge-offs to loans | 0.0425% | 3,970 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 46.6429% | 978 |
| Efficiency ratio | 85.9207% | 1,183 |
| Assets per employee ($millions) | 3.9858% | 3,989 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1027% | 945 |
| Loan loss allowance to noncurrent loans | 340.9449% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 5,500 |
| Noncurrent loans to loans | 0.6167% | 3,835 |
| Net loans and leases to total assets | 21.0750% | 6,354 |
| Net loans and leases to deposits | 26.6586% | 6,334 |
| Net loans and leases to core deposits | 27.0602% | 6,343 |
| Total domestic deposits to total assets | 79.0552% | 5,239 |
| Equity capital to assets | 12.4422% | 1,683 |
| Core capital (leverage) ratio | 11.4545% | 2,006 |
| Tier 1 risk-based capital ratio | 27.2144% | 669 |
| Total risk-based capital ratio | 28.4075% | 649 |
| Memoranda: | ||
| Average total assets | $179,175,600 | 3,218 |
| Average earning assets | $163,031,200 | 3,237 |
| Average equity | $22,051,800 | 2,942 |
| Average total loans | $32,936,200 | 5,450 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4327% | 6,427 |
| Cost of funding earning assets | 0.2030% | 5,802 |
| Net interest margin | 2.2298% | 6,372 |
| Noninterest income to average assets | 0.5359% | 3,285 |
| Noninterest expense to average assets | 2.0346% | 5,710 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3796% | 5,324 |
| Return on assets (ROA) | 0.4434% | 5,178 |
| Pretax return on assets | 0.6583% | 4,847 |
| Return on Equity (ROE) | 5.6172% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.6172% | 2,656 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3246% | 2,133 |
| Assets per employee ($millions) | 4.0919% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0141% | 1,230 |
| Loan loss allowance to noncurrent loans | 1,120.0000% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 6,048 |
| Noncurrent loans to loans | 0.1798% | 5,370 |
| Net loans and leases to total assets | 16.6446% | 6,491 |
| Net loans and leases to deposits | 18.2392% | 6,503 |
| Net loans and leases to core deposits | 18.8644% | 6,499 |
| Total domestic deposits to total assets | 91.2572% | 289 |
| Equity capital to assets | 8.5942% | 5,728 |
| Core capital (leverage) ratio | 9.6528% | 4,148 |
| Tier 1 risk-based capital ratio | 27.7907% | 656 |
| Total risk-based capital ratio | 28.7664% | 658 |
| Memoranda: | ||
| Average total assets | $49,017,250 | 5,876 |
| Average earning assets | $45,325,250 | 5,853 |
| Average equity | $3,869,000 | 6,183 |
| Average total loans | $8,299,250 | 6,433 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6172% | 6,433 |
| Cost of funding earning assets | 0.1986% | 5,928 |
| Net interest margin | 2.4186% | 6,342 |
| Noninterest income to average assets | 0.5471% | 3,150 |
| Noninterest expense to average assets | 2.0372% | 5,756 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5071% | 4,780 |
| Return on assets (ROA) | 0.6042% | 4,437 |
| Pretax return on assets | 0.8900% | 3,923 |
| Return on Equity (ROE) | 7.8891% | 3,161 |
| Retained earnings to average equity (ytd only) | 7.8891% | 1,368 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1672% | 3,125 |
| Assets per employee ($millions) | 4.1567% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7171% | 523 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 12.0589% | 6,587 |
| Net loans and leases to deposits | 13.1870% | 6,598 |
| Net loans and leases to core deposits | 13.4763% | 6,588 |
| Total domestic deposits to total assets | 91.4455% | 277 |
| Equity capital to assets | 8.4182% | 5,868 |
| Core capital (leverage) ratio | 9.7780% | 3,923 |
| Tier 1 risk-based capital ratio | 30.3512% | 507 |
| Total risk-based capital ratio | 31.4202% | 506 |
| Memoranda: | ||
| Average total assets | $48,988,670 | 5,926 |
| Average earning assets | $45,315,000 | 5,906 |
| Average equity | $3,752,000 | 6,254 |
| Average total loans | $8,285,330 | 6,497 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8277% | 6,377 |
| Cost of funding earning assets | 0.1950% | 6,043 |
| Net interest margin | 2.6327% | 6,191 |
| Noninterest income to average assets | 0.5850% | 2,823 |
| Noninterest expense to average assets | 2.0353% | 5,813 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7016% | 3,678 |
| Return on assets (ROA) | 0.9064% | 2,689 |
| Pretax return on assets | 1.2855% | 2,148 |
| Return on Equity (ROE) | 12.4699% | 1,288 |
| Retained earnings to average equity (ytd only) | 12.4699% | 546 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1196% | 4,343 |
| Assets per employee ($millions) | 4.0322% | 3,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 1,973 |
| Loan loss allowance to noncurrent loans | 16,800.0000% | 48 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 6,342 |
| Noncurrent loans to loans | 0.0109% | 6,142 |
| Net loans and leases to total assets | 18.6934% | 6,596 |
| Net loans and leases to deposits | 20.2944% | 6,619 |
| Net loans and leases to core deposits | 20.7502% | 6,612 |
| Total domestic deposits to total assets | 92.1114% | 223 |
| Equity capital to assets | 7.6613% | 6,247 |
| Core capital (leverage) ratio | 9.7497% | 3,929 |
| Tier 1 risk-based capital ratio | 25.8660% | 798 |
| Total risk-based capital ratio | 26.7971% | 814 |
| Memoranda: | ||
| Average total assets | $48,543,000 | 5,993 |
| Average earning assets | $45,124,500 | 5,968 |
| Average equity | $3,528,500 | 6,343 |
| Average total loans | $9,336,500 | 6,539 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1872% | 6,690 |
| Cost of funding earning assets | 0.2241% | 6,149 |
| Net interest margin | 1.9631% | 6,654 |
| Noninterest income to average assets | 0.6084% | 3,035 |
| Noninterest expense to average assets | 2.0419% | 5,938 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2504% | 5,691 |
| Return on assets (ROA) | 0.3609% | 5,407 |
| Pretax return on assets | 0.5383% | 5,079 |
| Return on Equity (ROE) | 4.4353% | 4,918 |
| Retained earnings to average equity (ytd only) | 1.9009% | 4,881 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5431% | 1,569 |
| Assets per employee ($millions) | 4.0583% | 3,743 |
| Cash dividends to net income (ytd only)* | 57.1429% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7759% | 2,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 19.0801% | 6,680 |
| Net loans and leases to deposits | 20.5185% | 6,698 |
| Net loans and leases to core deposits | 20.9719% | 6,694 |
| Total domestic deposits to total assets | 92.9897% | 136 |
| Equity capital to assets | 6.8789% | 6,487 |
| Core capital (leverage) ratio | 8.9444% | 5,087 |
| Tier 1 risk-based capital ratio | 23.6825% | 989 |
| Total risk-based capital ratio | 24.5896% | 1,022 |
| Memoranda: | ||
| Average total assets | $48,484,800 | 6,054 |
| Average earning assets | $44,623,600 | 6,032 |
| Average equity | $3,945,600 | 6,341 |
| Average total loans | $7,893,000 | 6,656 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0885% | 6,791 |
| Cost of funding earning assets | 0.2251% | 6,262 |
| Net interest margin | 1.8634% | 6,755 |
| Noninterest income to average assets | 0.5258% | 3,627 |
| Noninterest expense to average assets | 1.9491% | 6,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1944% | 5,925 |
| Return on assets (ROA) | 0.3441% | 5,580 |
| Pretax return on assets | 0.5065% | 5,337 |
| Return on Equity (ROE) | 4.0703% | 5,189 |
| Retained earnings to average equity (ytd only) | 4.0703% | 3,794 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1921% | 1,241 |
| Assets per employee ($millions) | 4.5214% | 2,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6544% | 786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 12.3877% | 6,821 |
| Net loans and leases to deposits | 14.0086% | 6,823 |
| Net loans and leases to core deposits | 14.3272% | 6,816 |
| Total domestic deposits to total assets | 88.4287% | 1,874 |
| Equity capital to assets | 7.4756% | 6,405 |
| Core capital (leverage) ratio | 9.8270% | 3,919 |
| Tier 1 risk-based capital ratio | 28.3941% | 601 |
| Total risk-based capital ratio | 29.4370% | 603 |
| Memoranda: | ||
| Average total assets | $48,431,000 | 6,128 |
| Average earning assets | $44,433,250 | 6,110 |
| Average equity | $4,094,500 | 6,378 |
| Average total loans | $7,501,250 | 6,743 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1742% | 6,820 |
| Cost of funding earning assets | 0.2310% | 6,299 |
| Net interest margin | 1.9432% | 6,785 |
| Noninterest income to average assets | 0.5292% | 3,636 |
| Noninterest expense to average assets | 1.8585% | 6,283 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3200% | 5,524 |
| Return on assets (ROA) | 0.5500% | 4,720 |
| Pretax return on assets | 0.7917% | 4,342 |
| Return on Equity (ROE) | 6.2559% | 4,018 |
| Retained earnings to average equity (ytd only) | 6.2559% | 2,292 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2158% | 2,122 |
| Assets per employee ($millions) | 3.9498% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4194% | 1,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 14.2963% | 6,856 |
| Net loans and leases to deposits | 15.4830% | 6,867 |
| Net loans and leases to core deposits | 15.8081% | 6,861 |
| Total domestic deposits to total assets | 92.3350% | 206 |
| Equity capital to assets | 7.5806% | 6,414 |
| Core capital (leverage) ratio | 8.8035% | 5,281 |
| Tier 1 risk-based capital ratio | 25.9570% | 775 |
| Total risk-based capital ratio | 26.9925% | 779 |
| Memoranda: | ||
| Average total assets | $47,996,330 | 6,182 |
| Average earning assets | $44,154,000 | 6,156 |
| Average equity | $4,220,000 | 6,404 |
| Average total loans | $7,892,000 | 6,774 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2405% | 6,887 |
| Cost of funding earning assets | 0.2339% | 6,387 |
| Net interest margin | 2.0065% | 6,837 |
| Noninterest income to average assets | 0.5632% | 3,353 |
| Noninterest expense to average assets | 2.0292% | 6,043 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3147% | 5,516 |
| Return on assets (ROA) | 0.3147% | 5,646 |
| Pretax return on assets | 0.3810% | 5,624 |
| Return on Equity (ROE) | 3.3528% | 5,410 |
| Retained earnings to average equity (ytd only) | 3.3528% | 4,238 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1924% | 1,737 |
| Assets per employee ($millions) | 4.0240% | 3,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0558% | 1,903 |
| Loan loss allowance to noncurrent loans | 541.9355% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.0642% | 6,412 |
| Noncurrent loans to loans | 0.3793% | 5,460 |
| Net loans and leases to total assets | 16.5755% | 6,904 |
| Net loans and leases to deposits | 18.3074% | 6,922 |
| Net loans and leases to core deposits | 18.6922% | 6,916 |
| Total domestic deposits to total assets | 90.5401% | 749 |
| Equity capital to assets | 9.3833% | 5,018 |
| Core capital (leverage) ratio | 9.6017% | 3,924 |
| Tier 1 risk-based capital ratio | 27.5061% | 669 |
| Total risk-based capital ratio | 28.5140% | 676 |
| Memoranda: | ||
| Average total assets | $48,296,000 | 6,230 |
| Average earning assets | $44,454,500 | 6,203 |
| Average equity | $4,533,500 | 6,385 |
| Average total loans | $8,366,000 | 6,834 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7793% | 6,859 |
| Cost of funding earning assets | 0.2514% | 6,665 |
| Net interest margin | 2.5279% | 6,694 |
| Noninterest income to average assets | 0.6252% | 3,140 |
| Noninterest expense to average assets | 2.3173% | 5,644 |
| Loan and lease loss provision to assets | 0.0213% | 5,632 |
| Net operating income to assets | 0.4056% | 5,080 |
| Return on assets (ROA) | 1.0605% | 2,275 |
| Pretax return on assets | 1.6174% | 1,338 |
| Return on Equity (ROE) | 10.8501% | 1,853 |
| Retained earnings to average equity (ytd only) | 1.0261% | 5,363 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1857% | 2,417 |
| Assets per employee ($millions) | 4.0253% | 3,896 |
| Cash dividends to net income (ytd only)* | 90.5433% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9626% | 2,124 |
| Loan loss allowance to noncurrent loans | 442.1053% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 6,409 |
| Noncurrent loans to loans | 0.4439% | 5,391 |
| Net loans and leases to total assets | 17.3733% | 6,958 |
| Net loans and leases to deposits | 19.1857% | 6,980 |
| Net loans and leases to core deposits | 19.5796% | 6,975 |
| Total domestic deposits to total assets | 90.5536% | 678 |
| Equity capital to assets | 9.3905% | 5,009 |
| Core capital (leverage) ratio | 9.4621% | 4,165 |
| Tier 1 risk-based capital ratio | 26.6905% | 715 |
| Total risk-based capital ratio | 27.6767% | 724 |
| Memoranda: | ||
| Average total assets | $46,864,000 | 6,296 |
| Average earning assets | $43,357,000 | 6,257 |
| Average equity | $4,580,600 | 6,422 |
| Average total loans | $7,920,400 | 6,917 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8613% | 6,951 |
| Cost of funding earning assets | 0.2573% | 6,782 |
| Net interest margin | 2.6040% | 6,753 |
| Noninterest income to average assets | 0.5161% | 3,824 |
| Noninterest expense to average assets | 2.2564% | 5,804 |
| Loan and lease loss provision to assets | 0.0287% | 5,423 |
| Net operating income to assets | 0.4213% | 5,158 |
| Return on assets (ROA) | 1.1612% | 2,059 |
| Pretax return on assets | 1.7776% | 1,102 |
| Return on Equity (ROE) | 11.7600% | 1,720 |
| Retained earnings to average equity (ytd only) | 4.5007% | 3,729 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1569% | 2,500 |
| Assets per employee ($millions) | 3.9099% | 4,057 |
| Cash dividends to net income (ytd only)* | 61.7289% | 1,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4152% | 1,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 14.4675% | 7,084 |
| Net loans and leases to deposits | 16.1750% | 7,099 |
| Net loans and leases to core deposits | 16.5214% | 7,093 |
| Total domestic deposits to total assets | 89.4435% | 1,162 |
| Equity capital to assets | 10.3007% | 4,075 |
| Core capital (leverage) ratio | 9.8761% | 3,717 |
| Tier 1 risk-based capital ratio | 30.6270% | 500 |
| Total risk-based capital ratio | 31.7324% | 494 |
| Memoranda: | ||
| Average total assets | $46,504,000 | 6,380 |
| Average earning assets | $43,009,250 | 6,339 |
| Average equity | $4,591,750 | 6,494 |
| Average total loans | $7,760,500 | 7,016 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9415% | 6,994 |
| Cost of funding earning assets | 0.2619% | 6,876 |
| Net interest margin | 2.6796% | 6,733 |
| Noninterest income to average assets | 0.5349% | 3,690 |
| Noninterest expense to average assets | 2.2560% | 5,855 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4967% | 4,831 |
| Return on assets (ROA) | 1.2509% | 1,731 |
| Pretax return on assets | 1.9109% | 829 |
| Return on Equity (ROE) | 12.8565% | 1,400 |
| Retained earnings to average equity (ytd only) | 6.2066% | 2,563 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0359% | 2,890 |
| Assets per employee ($millions) | 3.8976% | 4,078 |
| Cash dividends to net income (ytd only)* | 51.7241% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4933% | 1,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 13.2112% | 7,162 |
| Net loans and leases to deposits | 14.7140% | 7,171 |
| Net loans and leases to core deposits | 15.0173% | 7,165 |
| Total domestic deposits to total assets | 89.7864% | 1,052 |
| Equity capital to assets | 9.9934% | 4,348 |
| Core capital (leverage) ratio | 9.8374% | 3,665 |
| Tier 1 risk-based capital ratio | 31.2311% | 470 |
| Total risk-based capital ratio | 32.2945% | 469 |
| Memoranda: | ||
| Average total assets | $46,365,670 | 6,428 |
| Average earning assets | $42,767,670 | 6,388 |
| Average equity | $4,511,330 | 6,544 |
| Average total loans | $8,028,670 | 7,069 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0592% | 7,027 |
| Cost of funding earning assets | 0.2730% | 6,929 |
| Net interest margin | 2.7862% | 6,658 |
| Noninterest income to average assets | 0.5892% | 3,301 |
| Noninterest expense to average assets | 2.2702% | 5,853 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6425% | 4,153 |
| Return on assets (ROA) | 0.9271% | 3,006 |
| Pretax return on assets | 1.2737% | 2,633 |
| Return on Equity (ROE) | 9.6614% | 2,532 |
| Retained earnings to average equity (ytd only) | 9.6614% | 1,363 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9780% | 3,450 |
| Assets per employee ($millions) | 3.8572% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7928% | 3,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 18.6990% | 7,160 |
| Net loans and leases to deposits | 20.7236% | 7,181 |
| Net loans and leases to core deposits | 21.1531% | 7,188 |
| Total domestic deposits to total assets | 90.2303% | 954 |
| Equity capital to assets | 9.6293% | 4,613 |
| Core capital (leverage) ratio | 9.8594% | 3,554 |
| Tier 1 risk-based capital ratio | 27.5456% | 682 |
| Total risk-based capital ratio | 28.4903% | 694 |
| Memoranda: | ||
| Average total assets | $46,163,000 | 6,480 |
| Average earning assets | $42,494,500 | 6,441 |
| Average equity | $4,430,000 | 6,601 |
| Average total loans | $8,874,500 | 7,104 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7162% | 7,237 |
| Cost of funding earning assets | 0.3660% | 6,972 |
| Net interest margin | 2.3502% | 7,124 |
| Noninterest income to average assets | 0.6818% | 2,710 |
| Noninterest expense to average assets | 2.4324% | 5,693 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2580% | 5,407 |
| Return on assets (ROA) | 0.7984% | 3,206 |
| Pretax return on assets | 1.2272% | 2,362 |
| Return on Equity (ROE) | 8.0441% | 2,877 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0031% | 1,565 |
| Assets per employee ($millions) | 3.2886% | 5,533 |
| Cash dividends to net income (ytd only)* | 100.0000% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7681% | 2,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 19.0660% | 7,220 |
| Net loans and leases to deposits | 21.1091% | 7,242 |
| Net loans and leases to core deposits | 21.3660% | 7,239 |
| Total domestic deposits to total assets | 90.3215% | 799 |
| Equity capital to assets | 9.5634% | 4,787 |
| Core capital (leverage) ratio | 9.6354% | 3,821 |
| Tier 1 risk-based capital ratio | 27.2315% | 696 |
| Total risk-based capital ratio | 28.1876% | 688 |
| Memoranda: | ||
| Average total assets | $45,468,600 | 6,496 |
| Average earning assets | $41,529,200 | 6,479 |
| Average equity | $4,512,600 | 6,588 |
| Average total loans | $7,280,800 | 7,204 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6690% | 7,326 |
| Cost of funding earning assets | 0.3878% | 7,041 |
| Net interest margin | 2.2812% | 7,223 |
| Noninterest income to average assets | 0.5971% | 3,179 |
| Noninterest expense to average assets | 2.3827% | 5,811 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.1949% | 5,713 |
| Return on assets (ROA) | 0.8737% | 2,994 |
| Pretax return on assets | 1.3355% | 2,168 |
| Return on Equity (ROE) | 8.7222% | 2,732 |
| Retained earnings to average equity (ytd only) | 6.5196% | 2,230 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1089% | 1,233 |
| Assets per employee ($millions) | 3.3570% | 5,350 |
| Cash dividends to net income (ytd only)* | 25.2532% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9755% | 877 |
| Loan loss allowance to noncurrent loans | 3,160.0000% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0106% | 7,040 |
| Noncurrent loans to loans | 0.0942% | 6,695 |
| Net loans and leases to total assets | 10.9622% | 7,361 |
| Net loans and leases to deposits | 12.2146% | 7,369 |
| Net loans and leases to core deposits | 12.3611% | 7,361 |
| Total domestic deposits to total assets | 89.7464% | 1,012 |
| Equity capital to assets | 10.1238% | 4,181 |
| Core capital (leverage) ratio | 10.4163% | 2,977 |
| Tier 1 risk-based capital ratio | 33.6565% | 398 |
| Total risk-based capital ratio | 34.7826% | 390 |
| Memoranda: | ||
| Average total assets | $45,325,750 | 6,553 |
| Average earning assets | $41,263,500 | 6,533 |
| Average equity | $4,540,000 | 6,625 |
| Average total loans | $6,867,000 | 7,289 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8714% | 7,371 |
| Cost of funding earning assets | 0.4012% | 7,122 |
| Net interest margin | 2.4702% | 7,200 |
| Noninterest income to average assets | 0.6165% | 3,024 |
| Noninterest expense to average assets | 2.3945% | 5,863 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3313% | 5,241 |
| Return on assets (ROA) | 1.2285% | 1,574 |
| Pretax return on assets | 1.8853% | 734 |
| Return on Equity (ROE) | 12.3116% | 1,407 |
| Retained earnings to average equity (ytd only) | 11.1924% | 632 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5886% | 2,014 |
| Assets per employee ($millions) | 3.1598% | 5,726 |
| Cash dividends to net income (ytd only)* | 9.0909% | 3,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7246% | 1,152 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 12.7518% | 7,428 |
| Net loans and leases to deposits | 14.2995% | 7,439 |
| Net loans and leases to core deposits | 14.2995% | 7,430 |
| Total domestic deposits to total assets | 89.1765% | 1,432 |
| Equity capital to assets | 10.5523% | 3,438 |
| Core capital (leverage) ratio | 10.5817% | 2,629 |
| Tier 1 risk-based capital ratio | 33.7142% | 392 |
| Total risk-based capital ratio | 34.8357% | 388 |
| Memoranda: | ||
| Average total assets | $44,768,330 | 6,627 |
| Average earning assets | $41,373,670 | 6,587 |
| Average equity | $4,467,330 | 6,690 |
| Average total loans | $7,386,000 | 7,346 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7429% | 7,451 |
| Cost of funding earning assets | 0.4042% | 7,215 |
| Net interest margin | 2.3386% | 7,294 |
| Noninterest income to average assets | 0.6306% | 2,959 |
| Noninterest expense to average assets | 2.3715% | 5,974 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3159% | 5,329 |
| Return on assets (ROA) | 0.6129% | 4,037 |
| Pretax return on assets | 0.8083% | 3,874 |
| Return on Equity (ROE) | 6.3201% | 3,718 |
| Retained earnings to average equity (ytd only) | 6.3201% | 2,454 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0318% | 1,839 |
| Assets per employee ($millions) | 3.1869% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 2,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 17.3525% | 7,455 |
| Net loans and leases to deposits | 19.2976% | 7,472 |
| Net loans and leases to core deposits | 19.2976% | 7,469 |
| Total domestic deposits to total assets | 89.9207% | 1,196 |
| Equity capital to assets | 9.9404% | 3,854 |
| Core capital (leverage) ratio | 10.0263% | 3,112 |
| Tier 1 risk-based capital ratio | 29.0630% | 569 |
| Total risk-based capital ratio | 30.0681% | 574 |
| Memoranda: | ||
| Average total assets | $45,034,000 | 6,666 |
| Average earning assets | $41,562,500 | 6,629 |
| Average equity | $4,367,000 | 6,762 |
| Average total loans | $8,179,500 | 7,373 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3494% | 7,429 |
| Cost of funding earning assets | 0.4546% | 7,361 |
| Net interest margin | 2.8948% | 6,902 |
| Noninterest income to average assets | 0.6510% | 3,146 |
| Noninterest expense to average assets | 2.6132% | 5,360 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4220% | 4,451 |
| Return on assets (ROA) | 0.6322% | 3,679 |
| Pretax return on assets | 0.9460% | 3,114 |
| Return on Equity (ROE) | 5.9979% | 3,611 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,576 |
| Net charge-offs to loans | 0.3930% | 4,067 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 9.3103% | 1,843 |
| Efficiency ratio | 80.5195% | 2,342 |
| Assets per employee ($millions) | 3.2466% | 5,548 |
| Cash dividends to net income (ytd only)* | 100.0000% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8678% | 2,647 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 18.2632% | 7,534 |
| Net loans and leases to deposits | 20.1946% | 7,557 |
| Net loans and leases to core deposits | 20.1946% | 7,548 |
| Total domestic deposits to total assets | 90.4361% | 869 |
| Equity capital to assets | 9.4583% | 4,454 |
| Core capital (leverage) ratio | 10.1948% | 2,869 |
| Tier 1 risk-based capital ratio | 26.9800% | 674 |
| Total risk-based capital ratio | 27.9273% | 681 |
| Memoranda: | ||
| Average total assets | $42,705,800 | 6,777 |
| Average earning assets | $38,275,800 | 6,782 |
| Average equity | $4,501,600 | 6,817 |
| Average total loans | $7,378,400 | 7,491 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5735% | 7,506 |
| Cost of funding earning assets | 0.4641% | 7,496 |
| Net interest margin | 3.1094% | 6,592 |
| Noninterest income to average assets | 0.5997% | 3,437 |
| Noninterest expense to average assets | 2.6337% | 5,183 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4824% | 4,392 |
| Return on assets (ROA) | 0.6981% | 3,578 |
| Pretax return on assets | 1.0566% | 2,976 |
| Return on Equity (ROE) | 6.4436% | 3,601 |
| Retained earnings to average equity (ytd only) | 3.5147% | 3,982 |
| Net charge-offs to loans | 0.5440% | 3,122 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 7.9302% | 2,239 |
| Efficiency ratio | 78.3019% | 2,584 |
| Assets per employee ($millions) | 3.0060% | 6,132 |
| Cash dividends to net income (ytd only)* | 45.4539% | 1,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0787% | 2,050 |
| Loan loss allowance to noncurrent loans | 15,800.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 7,378 |
| Noncurrent loans to loans | 0.0132% | 7,234 |
| Net loans and leases to total assets | 17.6861% | 7,640 |
| Net loans and leases to deposits | 19.9523% | 7,665 |
| Net loans and leases to core deposits | 19.9523% | 7,656 |
| Total domestic deposits to total assets | 88.6418% | 1,597 |
| Equity capital to assets | 11.1705% | 2,800 |
| Core capital (leverage) ratio | 11.0128% | 2,252 |
| Tier 1 risk-based capital ratio | 30.3588% | 497 |
| Total risk-based capital ratio | 31.3970% | 492 |
| Memoranda: | ||
| Average total assets | $42,019,250 | 6,884 |
| Average earning assets | $37,348,500 | 6,902 |
| Average equity | $4,552,250 | 6,889 |
| Average total loans | $7,108,250 | 7,593 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7270% | 7,519 |
| Cost of funding earning assets | 0.4618% | 7,591 |
| Net interest margin | 3.2651% | 6,121 |
| Noninterest income to average assets | 0.6334% | 3,107 |
| Noninterest expense to average assets | 2.6430% | 5,158 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5793% | 3,954 |
| Return on assets (ROA) | 0.8810% | 2,747 |
| Pretax return on assets | 1.3429% | 1,963 |
| Return on Equity (ROE) | 8.2173% | 2,801 |
| Retained earnings to average equity (ytd only) | 3.7755% | 3,689 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8988% | 3,279 |
| Assets per employee ($millions) | 3.0346% | 6,069 |
| Cash dividends to net income (ytd only)* | 54.0541% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9033% | 909 |
| Loan loss allowance to noncurrent loans | 644.8276% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 7,222 |
| Noncurrent loans to loans | 0.4502% | 6,347 |
| Net loans and leases to total assets | 14.7205% | 7,731 |
| Net loans and leases to deposits | 16.6074% | 7,749 |
| Net loans and leases to core deposits | 16.6074% | 7,741 |
| Total domestic deposits to total assets | 88.6383% | 1,650 |
| Equity capital to assets | 11.0463% | 2,812 |
| Core capital (leverage) ratio | 11.0626% | 2,193 |
| Tier 1 risk-based capital ratio | 31.9468% | 429 |
| Total risk-based capital ratio | 33.1940% | 416 |
| Memoranda: | ||
| Average total assets | $41,997,670 | 6,932 |
| Average earning assets | $37,242,000 | 6,958 |
| Average equity | $4,502,670 | 6,935 |
| Average total loans | $6,944,000 | 7,661 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8733% | 7,537 |
| Cost of funding earning assets | 0.4652% | 7,718 |
| Net interest margin | 3.4081% | 5,550 |
| Noninterest income to average assets | 0.6419% | 2,981 |
| Noninterest expense to average assets | 2.6536% | 5,134 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7664% | 3,126 |
| Return on assets (ROA) | 0.7664% | 3,240 |
| Pretax return on assets | 1.0059% | 3,075 |
| Return on Equity (ROE) | 7.2604% | 3,217 |
| Retained earnings to average equity (ytd only) | 2.7226% | 4,501 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5131% | 3,836 |
| Assets per employee ($millions) | 2.9141% | 6,406 |
| Cash dividends to net income (ytd only)* | 62.5000% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8007% | 987 |
| Loan loss allowance to noncurrent loans | 644.8276% | 501 |
| Noncurrent assets plus other real estate owned to assets | 0.0711% | 7,310 |
| Noncurrent loans to loans | 0.4343% | 6,432 |
| Net loans and leases to total assets | 15.9076% | 7,826 |
| Net loans and leases to deposits | 17.9005% | 7,842 |
| Net loans and leases to core deposits | 17.9005% | 7,835 |
| Total domestic deposits to total assets | 88.8671% | 1,587 |
| Equity capital to assets | 10.9760% | 2,787 |
| Core capital (leverage) ratio | 10.8516% | 2,330 |
| Tier 1 risk-based capital ratio | 44.9940% | 191 |
| Total risk-based capital ratio | 46.2555% | 187 |
| Memoranda: | ||
| Average total assets | $41,754,000 | 7,028 |
| Average earning assets | $36,971,000 | 7,056 |
| Average equity | $4,407,500 | 7,035 |
| Average total loans | $7,195,500 | 7,753 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7761% | 7,766 |
| Cost of funding earning assets | 0.5019% | 7,831 |
| Net interest margin | 3.2741% | 5,841 |
| Noninterest income to average assets | 0.6954% | 3,010 |
| Noninterest expense to average assets | 2.6017% | 5,795 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7707% | 2,631 |
| Return on assets (ROA) | 0.9483% | 2,065 |
| Pretax return on assets | 1.4200% | 1,383 |
| Return on Equity (ROE) | 8.8251% | 2,082 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,911 |
| Net charge-offs to loans | 0.1308% | 5,889 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 47.5000% | 539 |
| Efficiency ratio | 69.2557% | 4,775 |
| Assets per employee ($millions) | 3.0507% | 6,089 |
| Cash dividends to net income (ytd only)* | 100.0000% | 617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4242% | 1,329 |
| Loan loss allowance to noncurrent loans | 584.3750% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 7,308 |
| Noncurrent loans to loans | 0.4148% | 6,447 |
| Net loans and leases to total assets | 17.6235% | 7,887 |
| Net loans and leases to deposits | 19.6435% | 7,913 |
| Net loans and leases to core deposits | 21.5544% | 7,915 |
| Total domestic deposits to total assets | 89.7167% | 1,099 |
| Equity capital to assets | 10.1545% | 3,556 |
| Core capital (leverage) ratio | 10.8525% | 2,317 |
| Tier 1 risk-based capital ratio | 40.2865% | 248 |
| Total risk-based capital ratio | 41.5488% | 239 |
| Memoranda: | ||
| Average total assets | $41,127,400 | 7,042 |
| Average earning assets | $38,452,800 | 6,998 |
| Average equity | $4,419,200 | 7,139 |
| Average total loans | $7,645,600 | 7,795 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 7,865 |
| Cost of funding earning assets | 0.5159% | 7,933 |
| Net interest margin | 3.2883% | 5,692 |
| Noninterest income to average assets | 0.6383% | 3,438 |
| Noninterest expense to average assets | 2.5303% | 5,973 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7825% | 2,888 |
| Return on assets (ROA) | 1.0180% | 2,067 |
| Pretax return on assets | 1.5319% | 1,323 |
| Return on Equity (ROE) | 9.3397% | 2,144 |
| Retained earnings to average equity (ytd only) | 0.3304% | 5,063 |
| Net charge-offs to loans | 0.1747% | 4,994 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 35.9077% | 809 |
| Efficiency ratio | 68.2862% | 4,907 |
| Assets per employee ($millions) | 2.8975% | 6,416 |
| Cash dividends to net income (ytd only)* | 96.4622% | 626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6578% | 919 |
| Loan loss allowance to noncurrent loans | 603.2258% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0764% | 7,363 |
| Noncurrent loans to loans | 0.4406% | 6,450 |
| Net loans and leases to total assets | 16.8840% | 7,978 |
| Net loans and leases to deposits | 18.9676% | 8,002 |
| Net loans and leases to core deposits | 20.8094% | 7,997 |
| Total domestic deposits to total assets | 89.0152% | 1,184 |
| Equity capital to assets | 10.8468% | 3,171 |
| Core capital (leverage) ratio | 11.1193% | 2,317 |
| Tier 1 risk-based capital ratio | 45.4097% | 204 |
| Total risk-based capital ratio | 46.6781% | 203 |
| Memoranda: | ||
| Average total assets | $40,731,750 | 7,114 |
| Average earning assets | $37,992,250 | 7,069 |
| Average equity | $4,439,750 | 7,205 |
| Average total loans | $7,628,500 | 7,875 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7590% | 7,980 |
| Cost of funding earning assets | 0.5332% | 8,030 |
| Net interest margin | 3.2257% | 5,823 |
| Noninterest income to average assets | 0.6963% | 3,011 |
| Noninterest expense to average assets | 2.5890% | 5,782 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7452% | 3,068 |
| Return on assets (ROA) | 1.1033% | 1,840 |
| Pretax return on assets | 1.6378% | 1,134 |
| Return on Equity (ROE) | 10.1055% | 1,987 |
| Retained earnings to average equity (ytd only) | 1.1228% | 4,708 |
| Net charge-offs to loans | 0.2556% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 22.5000% | 1,219 |
| Efficiency ratio | 70.1195% | 4,753 |
| Assets per employee ($millions) | 2.8610% | 6,490 |
| Cash dividends to net income (ytd only)* | 88.8889% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4612% | 936 |
| Loan loss allowance to noncurrent loans | 18,700.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,663 |
| Noncurrent loans to loans | 0.0132% | 7,529 |
| Net loans and leases to total assets | 18.5025% | 8,047 |
| Net loans and leases to deposits | 20.6567% | 8,081 |
| Net loans and leases to core deposits | 23.0822% | 8,071 |
| Total domestic deposits to total assets | 89.5716% | 1,011 |
| Equity capital to assets | 10.2537% | 3,665 |
| Core capital (leverage) ratio | 11.0665% | 2,355 |
| Tier 1 risk-based capital ratio | 43.0419% | 252 |
| Total risk-based capital ratio | 44.2024% | 247 |
| Memoranda: | ||
| Average total assets | $40,787,330 | 7,172 |
| Average earning assets | $37,882,670 | 7,136 |
| Average equity | $4,453,000 | 7,256 |
| Average total loans | $7,826,000 | 7,952 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 7,943 |
| Cost of funding earning assets | 0.5381% | 8,083 |
| Net interest margin | 3.5662% | 4,460 |
| Noninterest income to average assets | 0.7484% | 2,610 |
| Noninterest expense to average assets | 2.5368% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.0116% | 2,262 |
| Return on assets (ROA) | 1.5065% | 993 |
| Pretax return on assets | 2.2355% | 407 |
| Return on Equity (ROE) | 13.4025% | 1,292 |
| Retained earnings to average equity (ytd only) | 4.7557% | 3,259 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8916% | 5,894 |
| Assets per employee ($millions) | 2.9509% | 6,282 |
| Cash dividends to net income (ytd only)* | 64.5161% | 1,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5419% | 730 |
| Loan loss allowance to noncurrent loans | 9,850.0000% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.0048% | 7,641 |
| Noncurrent loans to loans | 0.0258% | 7,480 |
| Net loans and leases to total assets | 18.2828% | 8,103 |
| Net loans and leases to deposits | 20.6943% | 8,132 |
| Net loans and leases to core deposits | 22.9973% | 8,125 |
| Total domestic deposits to total assets | 88.3472% | 1,552 |
| Equity capital to assets | 11.2292% | 2,784 |
| Core capital (leverage) ratio | 10.8979% | 2,586 |
| Tier 1 risk-based capital ratio | 31.2008% | 573 |
| Total risk-based capital ratio | 32.4543% | 560 |
| Memoranda: | ||
| Average total assets | $41,154,000 | 7,196 |
| Average earning assets | $37,911,500 | 7,175 |
| Average equity | $4,626,000 | 7,250 |
| Average total loans | $7,940,000 | 7,996 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7273% | 7,968 |
| Cost of funding earning assets | 0.9047% | 8,087 |
| Net interest margin | 3.8226% | 3,924 |
| Noninterest income to average assets | 0.7302% | 2,902 |
| Noninterest expense to average assets | 2.5842% | 5,705 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.1396% | 1,987 |
| Return on assets (ROA) | 1.2376% | 1,605 |
| Pretax return on assets | 1.8713% | 813 |
| Return on Equity (ROE) | 10.9953% | 1,908 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.0261% | 6,468 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 348.0000% | 138 |
| Efficiency ratio | 60.0000% | 6,338 |
| Assets per employee ($millions) | 2.9283% | 6,223 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4231% | 746 |
| Loan loss allowance to noncurrent loans | 1,515.3846% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0317% | 7,464 |
| Noncurrent loans to loans | 0.1599% | 6,931 |
| Net loans and leases to total assets | 19.3507% | 8,160 |
| Net loans and leases to deposits | 21.9017% | 8,185 |
| Net loans and leases to core deposits | 24.2636% | 8,186 |
| Total domestic deposits to total assets | 88.3525% | 1,313 |
| Equity capital to assets | 11.2523% | 2,841 |
| Core capital (leverage) ratio | 11.3585% | 2,333 |
| Tier 1 risk-based capital ratio | 30.3378% | 619 |
| Total risk-based capital ratio | 31.5917% | 605 |
| Memoranda: | ||
| Average total assets | $40,399,400 | 7,196 |
| Average earning assets | $37,801,400 | 7,155 |
| Average equity | $4,547,400 | 7,315 |
| Average total loans | $7,677,400 | 8,046 |