Home > First Community Bank > Performance and Condition Ratios
First Community Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1025% | 3,803 |
| Cost of funding earning assets | 1.0627% | 3,166 |
| Net interest margin | 3.0398% | 3,203 |
| Noninterest income to average assets | 0.7300% | 1,109 |
| Noninterest expense to average assets | 2.7391% | 1,646 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.7385% | 3,083 |
| Return on assets (ROA) | 0.7345% | 3,078 |
| Pretax return on assets | 0.7669% | 3,294 |
| Return on Equity (ROE) | 7.8900% | 3,053 |
| Retained earnings to average equity (ytd only) | 2.8511% | 3,330 |
| Net charge-offs to loans | -0.0016% | 3,659 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 74.4377% | 1,412 |
| Assets per employee ($millions) | 4.8246% | 3,756 |
| Cash dividends to net income (ytd only)* | 63.8792% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8834% | 3,774 |
| Loan loss allowance to noncurrent loans | 291.6667% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 2,411 |
| Noncurrent loans to loans | 0.3029% | 2,100 |
| Net loans and leases to total assets | 55.3500% | 3,246 |
| Net loans and leases to deposits | 64.1881% | 3,283 |
| Net loans and leases to core deposits | 69.7698% | 3,318 |
| Total domestic deposits to total assets | 86.2200% | 1,943 |
| Equity capital to assets | 9.7443% | 2,165 |
| Core capital (leverage) ratio | 8.8808% | 3,841 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4658% | 2,078 |
| Memoranda: | ||
| Average total assets | $117,230,200 | 3,678 |
| Average earning assets | $107,837,400 | 3,666 |
| Average equity | $10,908,000 | 3,624 |
| Average total loans | $60,876,400 | 3,694 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0125% | 3,826 |
| Cost of funding earning assets | 0.9569% | 3,141 |
| Net interest margin | 3.0556% | 3,223 |
| Noninterest income to average assets | 0.7200% | 1,124 |
| Noninterest expense to average assets | 2.7529% | 1,534 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.7364% | 3,214 |
| Return on assets (ROA) | 0.7309% | 3,215 |
| Pretax return on assets | 0.7641% | 3,413 |
| Return on Equity (ROE) | 7.9500% | 3,200 |
| Retained earnings to average equity (ytd only) | 2.9666% | 3,524 |
| Net charge-offs to loans | -0.0022% | 3,592 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 74.8943% | 1,278 |
| Assets per employee ($millions) | 4.7830% | 3,751 |
| Cash dividends to net income (ytd only)* | 62.6959% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9098% | 3,695 |
| Loan loss allowance to noncurrent loans | 5,227.2727% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 3,759 |
| Noncurrent loans to loans | 0.0174% | 3,656 |
| Net loans and leases to total assets | 54.5600% | 3,318 |
| Net loans and leases to deposits | 65.5389% | 3,169 |
| Net loans and leases to core deposits | 70.8066% | 3,174 |
| Total domestic deposits to total assets | 83.2400% | 2,971 |
| Equity capital to assets | 9.3395% | 2,203 |
| Core capital (leverage) ratio | 9.0244% | 3,760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1425% | 1,840 |
| Memoranda: | ||
| Average total assets | $116,384,250 | 3,695 |
| Average earning assets | $106,731,750 | 3,690 |
| Average equity | $10,696,750 | 3,654 |
| Average total loans | $59,258,000 | 3,725 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9147% | 3,839 |
| Cost of funding earning assets | 0.8430% | 3,089 |
| Net interest margin | 3.0717% | 3,280 |
| Noninterest income to average assets | 0.5700% | 1,585 |
| Noninterest expense to average assets | 2.7353% | 1,561 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.6240% | 3,522 |
| Return on assets (ROA) | 0.6569% | 3,445 |
| Pretax return on assets | 0.6860% | 3,629 |
| Return on Equity (ROE) | 7.1900% | 3,444 |
| Retained earnings to average equity (ytd only) | 3.9107% | 3,228 |
| Net charge-offs to loans | -0.0035% | 3,631 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 77.3737% | 1,054 |
| Assets per employee ($millions) | 4.4452% | 3,983 |
| Cash dividends to net income (ytd only)* | 45.5729% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 3,477 |
| Loan loss allowance to noncurrent loans | 4,791.6667% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 3,745 |
| Noncurrent loans to loans | 0.0206% | 3,613 |
| Net loans and leases to total assets | 49.8300% | 3,573 |
| Net loans and leases to deposits | 58.2607% | 3,526 |
| Net loans and leases to core deposits | 60.3903% | 3,607 |
| Total domestic deposits to total assets | 85.5300% | 2,383 |
| Equity capital to assets | 9.3662% | 2,256 |
| Core capital (leverage) ratio | 8.7734% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6112% | 1,692 |
| Memoranda: | ||
| Average total assets | $116,915,000 | 3,703 |
| Average earning assets | $107,237,333 | 3,693 |
| Average equity | $10,688,667 | 3,659 |
| Average total loans | $57,943,333 | 3,750 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8125% | 3,836 |
| Cost of funding earning assets | 0.7352% | 2,944 |
| Net interest margin | 3.0774% | 3,404 |
| Noninterest income to average assets | 0.6100% | 1,388 |
| Noninterest expense to average assets | 2.6772% | 1,729 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.7339% | 3,386 |
| Return on assets (ROA) | 0.7824% | 3,201 |
| Pretax return on assets | 0.8198% | 3,423 |
| Return on Equity (ROE) | 8.6600% | 3,144 |
| Retained earnings to average equity (ytd only) | 6.2144% | 2,710 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.4324% | 1,290 |
| Assets per employee ($millions) | 4.3669% | 4,093 |
| Cash dividends to net income (ytd only)* | 28.2609% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 3,435 |
| Loan loss allowance to noncurrent loans | 4,415.3846% | 328 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 3,751 |
| Noncurrent loans to loans | 0.0231% | 3,604 |
| Net loans and leases to total assets | 47.2400% | 3,689 |
| Net loans and leases to deposits | 54.9494% | 3,631 |
| Net loans and leases to core deposits | 56.7591% | 3,703 |
| Total domestic deposits to total assets | 85.9700% | 2,599 |
| Equity capital to assets | 9.2404% | 2,327 |
| Core capital (leverage) ratio | 8.3257% | 4,263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3637% | 1,846 |
| Memoranda: | ||
| Average total assets | $117,585,000 | 3,743 |
| Average earning assets | $108,274,500 | 3,735 |
| Average equity | $10,620,500 | 3,710 |
| Average total loans | $57,831,000 | 3,796 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2350% | 3,751 |
| Cost of funding earning assets | 0.3110% | 2,787 |
| Net interest margin | 2.9240% | 3,620 |
| Noninterest income to average assets | 0.6600% | 1,421 |
| Noninterest expense to average assets | 2.7291% | 1,491 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5942% | 3,900 |
| Return on assets (ROA) | 0.5860% | 3,876 |
| Pretax return on assets | 0.6143% | 4,007 |
| Return on Equity (ROE) | 6.1300% | 3,803 |
| Retained earnings to average equity (ytd only) | 3.8838% | 3,436 |
| Net charge-offs to loans | -0.0018% | 3,426 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 77.9735% | 851 |
| Assets per employee ($millions) | 4.1880% | 4,207 |
| Cash dividends to net income (ytd only)* | 36.6423% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9665% | 3,532 |
| Loan loss allowance to noncurrent loans | 2,207.6923% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 3,621 |
| Noncurrent loans to loans | 0.0438% | 3,449 |
| Net loans and leases to total assets | 50.1600% | 3,492 |
| Net loans and leases to deposits | 58.0432% | 3,457 |
| Net loans and leases to core deposits | 60.1518% | 3,495 |
| Total domestic deposits to total assets | 86.4100% | 2,599 |
| Equity capital to assets | 8.8228% | 2,472 |
| Core capital (leverage) ratio | 8.4325% | 4,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7693% | 2,065 |
| Memoranda: | ||
| Average total assets | $116,888,200 | 3,754 |
| Average earning assets | $107,728,800 | 3,753 |
| Average equity | $11,174,600 | 3,746 |
| Average total loans | $55,705,800 | 3,812 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1055% | 3,666 |
| Cost of funding earning assets | 0.2617% | 2,585 |
| Net interest margin | 2.8438% | 3,641 |
| Noninterest income to average assets | 0.6700% | 1,437 |
| Noninterest expense to average assets | 2.7318% | 1,395 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5329% | 4,008 |
| Return on assets (ROA) | 0.5286% | 3,957 |
| Pretax return on assets | 0.5537% | 4,060 |
| Return on Equity (ROE) | 5.4200% | 3,900 |
| Retained earnings to average equity (ytd only) | 4.0063% | 3,441 |
| Net charge-offs to loans | -0.0024% | 3,305 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.5281% | 801 |
| Assets per employee ($millions) | 4.1873% | 4,228 |
| Cash dividends to net income (ytd only)* | 26.1339% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 3,504 |
| Loan loss allowance to noncurrent loans | 2,125.9259% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 3,716 |
| Noncurrent loans to loans | 0.0468% | 3,545 |
| Net loans and leases to total assets | 48.6700% | 3,556 |
| Net loans and leases to deposits | 57.1769% | 3,394 |
| Net loans and leases to core deposits | 59.5374% | 3,418 |
| Total domestic deposits to total assets | 85.1300% | 3,253 |
| Equity capital to assets | 8.5403% | 2,517 |
| Core capital (leverage) ratio | 8.3071% | 4,221 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8043% | 1,766 |
| Memoranda: | ||
| Average total assets | $116,794,250 | 3,782 |
| Average earning assets | $107,504,750 | 3,775 |
| Average equity | $11,381,750 | 3,771 |
| Average total loans | $54,785,250 | 3,842 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9857% | 3,592 |
| Cost of funding earning assets | 0.2327% | 2,472 |
| Net interest margin | 2.7530% | 3,569 |
| Noninterest income to average assets | 0.5710% | 1,859 |
| Noninterest expense to average assets | 2.7057% | 1,377 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3840% | 4,137 |
| Return on assets (ROA) | 0.3824% | 4,092 |
| Pretax return on assets | 0.3995% | 4,160 |
| Return on Equity (ROE) | 3.7675% | 4,079 |
| Retained earnings to average equity (ytd only) | 2.3991% | 3,646 |
| Net charge-offs to loans | -0.0037% | 3,259 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3885% | 717 |
| Assets per employee ($millions) | 4.2298% | 4,254 |
| Cash dividends to net income (ytd only)* | 36.3229% | 1,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0815% | 3,226 |
| Loan loss allowance to noncurrent loans | 2,125.9259% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0228% | 3,772 |
| Noncurrent loans to loans | 0.0509% | 3,566 |
| Net loans and leases to total assets | 44.3297% | 3,809 |
| Net loans and leases to deposits | 51.1636% | 3,748 |
| Net loans and leases to core deposits | 52.4412% | 3,792 |
| Total domestic deposits to total assets | 86.6431% | 3,060 |
| Equity capital to assets | 9.0608% | 2,350 |
| Core capital (leverage) ratio | 8.0302% | 4,315 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6663% | 1,813 |
| Memoranda: | ||
| Average total assets | $116,644,333 | 3,826 |
| Average earning assets | $107,446,333 | 3,831 |
| Average equity | $11,838,000 | 3,797 |
| Average total loans | $53,833,667 | 3,896 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8241% | 3,704 |
| Cost of funding earning assets | 0.2316% | 2,375 |
| Net interest margin | 2.5925% | 3,676 |
| Noninterest income to average assets | 0.5667% | 1,836 |
| Noninterest expense to average assets | 2.6575% | 1,457 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2911% | 4,165 |
| Return on assets (ROA) | 0.3076% | 4,099 |
| Pretax return on assets | 0.3248% | 4,149 |
| Return on Equity (ROE) | 2.8729% | 4,118 |
| Retained earnings to average equity (ytd only) | 2.8729% | 3,308 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8974% | 745 |
| Assets per employee ($millions) | 4.3723% | 4,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1165% | 3,260 |
| Loan loss allowance to noncurrent loans | 3,581.2500% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 3,928 |
| Noncurrent loans to loans | 0.0312% | 3,765 |
| Net loans and leases to total assets | 42.9899% | 3,820 |
| Net loans and leases to deposits | 49.8389% | 3,744 |
| Net loans and leases to core deposits | 51.7493% | 3,749 |
| Total domestic deposits to total assets | 86.2576% | 3,173 |
| Equity capital to assets | 9.8483% | 2,005 |
| Core capital (leverage) ratio | 7.8863% | 4,375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.1368% | 2,141 |
| Memoranda: | ||
| Average total assets | $115,750,000 | 3,854 |
| Average earning assets | $107,077,500 | 3,845 |
| Average equity | $12,391,500 | 3,823 |
| Average total loans | $54,213,000 | 3,897 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 2,357 |
| Cost of funding earning assets | 0.2936% | 2,461 |
| Net interest margin | 3.3173% | 2,263 |
| Noninterest income to average assets | 0.2835% | 3,698 |
| Noninterest expense to average assets | 1.9352% | 3,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.3576% | 1,414 |
| Return on assets (ROA) | 1.3834% | 1,390 |
| Pretax return on assets | 1.4462% | 1,891 |
| Return on Equity (ROE) | 11.8804% | 1,857 |
| Retained earnings to average equity (ytd only) | 5.9479% | 2,385 |
| Net charge-offs to loans | -0.0088% | 3,695 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0845% | 3,702 |
| Assets per employee ($millions) | 5.1568% | 3,592 |
| Cash dividends to net income (ytd only)* | 49.9351% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0034% | 3,736 |
| Loan loss allowance to noncurrent loans | 3,581.2500% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 3,994 |
| Noncurrent loans to loans | 0.0280% | 3,873 |
| Net loans and leases to total assets | 49.8286% | 3,301 |
| Net loans and leases to deposits | 59.1510% | 3,152 |
| Net loans and leases to core deposits | 62.6843% | 3,102 |
| Total domestic deposits to total assets | 84.2396% | 3,493 |
| Equity capital to assets | 11.5973% | 1,461 |
| Core capital (leverage) ratio | 8.2045% | 4,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5740% | 2,425 |
| Memoranda: | ||
| Average total assets | $111,461,200 | 3,879 |
| Average earning assets | $103,185,000 | 3,875 |
| Average equity | $12,979,400 | 3,834 |
| Average total loans | $56,906,000 | 3,876 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5672% | 2,641 |
| Cost of funding earning assets | 0.3087% | 2,510 |
| Net interest margin | 3.2585% | 2,551 |
| Noninterest income to average assets | 0.1802% | 4,297 |
| Noninterest expense to average assets | 2.1772% | 3,148 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9769% | 2,998 |
| Return on assets (ROA) | 1.0057% | 2,949 |
| Pretax return on assets | 1.0514% | 3,318 |
| Return on Equity (ROE) | 8.6275% | 3,221 |
| Retained earnings to average equity (ytd only) | 3.7829% | 3,646 |
| Net charge-offs to loans | -0.0047% | 3,416 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2051% | 1,939 |
| Assets per employee ($millions) | 5.1351% | 3,566 |
| Cash dividends to net income (ytd only)* | 56.1529% | 961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 3,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 49.1286% | 3,511 |
| Net loans and leases to deposits | 58.4084% | 3,370 |
| Net loans and leases to core deposits | 61.8938% | 3,331 |
| Total domestic deposits to total assets | 84.1121% | 3,431 |
| Equity capital to assets | 11.5337% | 1,646 |
| Core capital (leverage) ratio | 9.0137% | 3,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.5919% | 1,768 |
| Memoranda: | ||
| Average total assets | $110,964,250 | 3,933 |
| Average earning assets | $102,784,750 | 3,924 |
| Average equity | $12,935,000 | 3,887 |
| Average total loans | $56,856,750 | 3,928 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5629% | 2,737 |
| Cost of funding earning assets | 0.3317% | 2,475 |
| Net interest margin | 3.2312% | 2,662 |
| Noninterest income to average assets | 0.1614% | 4,391 |
| Noninterest expense to average assets | 2.1361% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9774% | 2,970 |
| Return on assets (ROA) | 1.0118% | 2,936 |
| Pretax return on assets | 1.0644% | 3,304 |
| Return on Equity (ROE) | 8.6489% | 3,214 |
| Retained earnings to average equity (ytd only) | 1.3640% | 4,266 |
| Net charge-offs to loans | -0.0070% | 3,539 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6476% | 2,061 |
| Assets per employee ($millions) | 5.1151% | 3,546 |
| Cash dividends to net income (ytd only)* | 84.2294% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 3,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 49.7565% | 3,575 |
| Net loans and leases to deposits | 59.1944% | 3,453 |
| Net loans and leases to core deposits | 62.7931% | 3,394 |
| Total domestic deposits to total assets | 84.0561% | 3,421 |
| Equity capital to assets | 11.4678% | 1,653 |
| Core capital (leverage) ratio | 8.3342% | 4,148 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3868% | 2,212 |
| Memoranda: | ||
| Average total assets | $110,294,667 | 3,960 |
| Average earning assets | $102,502,000 | 3,946 |
| Average equity | $12,903,333 | 3,898 |
| Average total loans | $57,118,333 | 3,951 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2445% | 3,594 |
| Cost of funding earning assets | 0.3461% | 2,558 |
| Net interest margin | 2.8984% | 3,530 |
| Noninterest income to average assets | 0.1795% | 4,297 |
| Noninterest expense to average assets | 2.1726% | 3,191 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6301% | 3,865 |
| Return on assets (ROA) | 0.6888% | 3,803 |
| Pretax return on assets | 0.7731% | 3,859 |
| Return on Equity (ROE) | 5.8283% | 3,906 |
| Retained earnings to average equity (ytd only) | -2.6041% | 4,577 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4275% | 1,268 |
| Assets per employee ($millions) | 5.5580% | 3,060 |
| Cash dividends to net income (ytd only)* | 144.6809% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 3,878 |
| Loan loss allowance to noncurrent loans | 1,775.0000% | 404 |
| Noncurrent assets plus other real estate owned to assets | 0.0505% | 4,017 |
| Noncurrent loans to loans | 0.0557% | 4,008 |
| Net loans and leases to total assets | 48.6977% | 3,745 |
| Net loans and leases to deposits | 57.4630% | 3,679 |
| Net loans and leases to core deposits | 60.6192% | 3,662 |
| Total domestic deposits to total assets | 84.7461% | 3,209 |
| Equity capital to assets | 10.9092% | 1,931 |
| Core capital (leverage) ratio | 8.7408% | 3,874 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9520% | 2,304 |
| Memoranda: | ||
| Average total assets | $109,176,000 | 3,980 |
| Average earning assets | $101,711,500 | 3,964 |
| Average equity | $12,902,500 | 3,911 |
| Average total loans | $57,396,500 | 3,957 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0993% | 2,425 |
| Cost of funding earning assets | 0.5851% | 2,411 |
| Net interest margin | 3.5141% | 2,429 |
| Noninterest income to average assets | 0.1872% | 4,353 |
| Noninterest expense to average assets | 2.2928% | 3,423 |
| Loan and lease loss provision to assets | 0.0300% | 4,023 |
| Net operating income to assets | 1.0686% | 2,034 |
| Return on assets (ROA) | 1.0733% | 2,154 |
| Pretax return on assets | 1.1284% | 2,593 |
| Return on Equity (ROE) | 8.3934% | 2,654 |
| Retained earnings to average equity (ytd only) | 1.8948% | 3,871 |
| Net charge-offs to loans | 0.0116% | 2,910 |
| Credit loss provision to net charge-offs | 428.5714% | 1,372 |
| Earnings coverage of net charge-offs (x) | 164.5714% | 531 |
| Efficiency ratio | 65.6595% | 2,588 |
| Assets per employee ($millions) | 4.4189% | 3,998 |
| Cash dividends to net income (ytd only)* | 77.4254% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9898% | 3,909 |
| Loan loss allowance to noncurrent loans | 28,400.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,222 |
| Noncurrent loans to loans | 0.0035% | 4,393 |
| Net loans and leases to total assets | 55.9045% | 3,313 |
| Net loans and leases to deposits | 67.8181% | 3,097 |
| Net loans and leases to core deposits | 72.7270% | 3,017 |
| Total domestic deposits to total assets | 82.4330% | 3,554 |
| Equity capital to assets | 12.8618% | 1,151 |
| Core capital (leverage) ratio | 9.6143% | 2,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.7895% | 1,935 |
| Memoranda: | ||
| Average total assets | $99,875,800 | 4,000 |
| Average earning assets | $92,626,200 | 3,990 |
| Average equity | $12,772,000 | 3,886 |
| Average total loans | $60,363,000 | 3,910 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 2,339 |
| Cost of funding earning assets | 0.6454% | 2,349 |
| Net interest margin | 3.5749% | 2,348 |
| Noninterest income to average assets | 0.1971% | 4,299 |
| Noninterest expense to average assets | 2.2942% | 3,437 |
| Loan and lease loss provision to assets | 0.0402% | 3,849 |
| Net operating income to assets | 1.1265% | 1,892 |
| Return on assets (ROA) | 1.1290% | 2,007 |
| Pretax return on assets | 1.1853% | 2,438 |
| Return on Equity (ROE) | 8.8418% | 2,461 |
| Retained earnings to average equity (ytd only) | 2.0687% | 3,911 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3538% | 2,678 |
| Assets per employee ($millions) | 4.4564% | 3,896 |
| Cash dividends to net income (ytd only)* | 76.6033% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9593% | 3,850 |
| Loan loss allowance to noncurrent loans | 212.1771% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.2764% | 3,059 |
| Noncurrent loans to loans | 0.4521% | 2,696 |
| Net loans and leases to total assets | 60.5508% | 3,159 |
| Net loans and leases to deposits | 74.1031% | 2,943 |
| Net loans and leases to core deposits | 79.9838% | 2,846 |
| Total domestic deposits to total assets | 81.7115% | 3,493 |
| Equity capital to assets | 13.3333% | 1,056 |
| Core capital (leverage) ratio | 9.6548% | 3,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.5332% | 1,986 |
| Memoranda: | ||
| Average total assets | $99,436,250 | 4,000 |
| Average earning assets | $92,346,250 | 3,995 |
| Average equity | $12,697,000 | 3,899 |
| Average total loans | $61,107,250 | 3,915 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3018% | 2,467 |
| Cost of funding earning assets | 0.6990% | 2,386 |
| Net interest margin | 3.6027% | 2,473 |
| Noninterest income to average assets | 0.1582% | 4,503 |
| Noninterest expense to average assets | 2.2622% | 3,615 |
| Loan and lease loss provision to assets | 0.0601% | 3,553 |
| Net operating income to assets | 1.1314% | 1,872 |
| Return on assets (ROA) | 1.1371% | 1,970 |
| Pretax return on assets | 1.1952% | 2,382 |
| Return on Equity (ROE) | 9.0360% | 2,346 |
| Retained earnings to average equity (ytd only) | 0.7636% | 4,146 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5690% | 2,875 |
| Assets per employee ($millions) | 4.6287% | 3,619 |
| Cash dividends to net income (ytd only)* | 91.5493% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9421% | 3,826 |
| Loan loss allowance to noncurrent loans | 194.9153% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 3,160 |
| Noncurrent loans to loans | 0.4834% | 2,698 |
| Net loans and leases to total assets | 59.3684% | 3,389 |
| Net loans and leases to deposits | 71.9175% | 3,269 |
| Net loans and leases to core deposits | 78.6174% | 3,061 |
| Total domestic deposits to total assets | 82.5507% | 3,220 |
| Equity capital to assets | 12.6699% | 1,300 |
| Core capital (leverage) ratio | 9.4511% | 3,414 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.5572% | 2,375 |
| Memoranda: | ||
| Average total assets | $99,901,667 | 3,992 |
| Average earning assets | $92,984,667 | 3,984 |
| Average equity | $12,572,000 | 3,922 |
| Average total loans | $61,496,667 | 3,912 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2187% | 3,156 |
| Cost of funding earning assets | 0.7414% | 2,715 |
| Net interest margin | 3.4773% | 3,057 |
| Noninterest income to average assets | 0.2143% | 4,265 |
| Noninterest expense to average assets | 2.3288% | 3,699 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0800% | 1,903 |
| Return on assets (ROA) | 1.0916% | 1,971 |
| Pretax return on assets | 1.1401% | 2,394 |
| Return on Equity (ROE) | 8.7048% | 2,235 |
| Retained earnings to average equity (ytd only) | 0.6448% | 3,832 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4327% | 2,892 |
| Assets per employee ($millions) | 4.5581% | 3,187 |
| Cash dividends to net income (ytd only)* | 92.5926% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 4,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 61.8471% | 3,316 |
| Net loans and leases to deposits | 74.7739% | 3,191 |
| Net loans and leases to core deposits | 82.7582% | 2,957 |
| Total domestic deposits to total assets | 82.7121% | 3,203 |
| Equity capital to assets | 12.4883% | 1,741 |
| Core capital (leverage) ratio | 9.3827% | 4,105 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $98,936,500 | 4,010 |
| Average earning assets | $92,255,000 | 3,997 |
| Average equity | $12,407,000 | 3,956 |
| Average total loans | $61,729,500 | 3,927 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 3,675 |
| Cost of funding earning assets | 0.8269% | 2,543 |
| Net interest margin | 3.4240% | 3,666 |
| Noninterest income to average assets | 0.5733% | 2,348 |
| Noninterest expense to average assets | 2.3645% | 3,790 |
| Loan and lease loss provision to assets | 0.0362% | 3,286 |
| Net operating income to assets | 1.2706% | 1,800 |
| Return on assets (ROA) | 1.2964% | 1,777 |
| Pretax return on assets | 1.3563% | 2,308 |
| Return on Equity (ROE) | 10.3609% | 2,138 |
| Retained earnings to average equity (ytd only) | 0.1238% | 4,651 |
| Net charge-offs to loans | 0.0172% | 3,098 |
| Credit loss provision to net charge-offs | 350.0000% | 795 |
| Earnings coverage of net charge-offs (x) | 132.2000% | 551 |
| Efficiency ratio | 62.5588% | 3,282 |
| Assets per employee ($millions) | 4.4361% | 3,321 |
| Cash dividends to net income (ytd only)* | 98.8048% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 3,985 |
| Loan loss allowance to noncurrent loans | 514.1509% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 4,085 |
| Noncurrent loans to loans | 0.1741% | 3,838 |
| Net loans and leases to total assets | 61.8372% | 3,413 |
| Net loans and leases to deposits | 74.9587% | 3,266 |
| Net loans and leases to core deposits | 83.1725% | 3,026 |
| Total domestic deposits to total assets | 82.4950% | 3,365 |
| Equity capital to assets | 12.5939% | 1,771 |
| Core capital (leverage) ratio | 9.6928% | 3,853 |
| Tier 1 risk-based capital ratio | 13.2764% | 3,641 |
| Total risk-based capital ratio | 14.0603% | 3,779 |
| Memoranda: | ||
| Average total assets | $96,805,200 | 4,052 |
| Average earning assets | $89,251,400 | 4,055 |
| Average equity | $12,112,800 | 3,984 |
| Average total loans | $58,120,800 | 4,013 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2331% | 3,851 |
| Cost of funding earning assets | 0.8433% | 2,497 |
| Net interest margin | 3.3898% | 3,887 |
| Noninterest income to average assets | 0.6776% | 1,877 |
| Noninterest expense to average assets | 2.3683% | 3,770 |
| Loan and lease loss provision to assets | 0.0483% | 2,927 |
| Net operating income to assets | 1.3181% | 1,777 |
| Return on assets (ROA) | 1.3194% | 1,846 |
| Pretax return on assets | 1.3801% | 2,385 |
| Return on Equity (ROE) | 10.5618% | 2,185 |
| Retained earnings to average equity (ytd only) | 0.1216% | 4,739 |
| Net charge-offs to loans | 0.0232% | 2,634 |
| Credit loss provision to net charge-offs | 350.0000% | 859 |
| Earnings coverage of net charge-offs (x) | 103.4231% | 735 |
| Efficiency ratio | 61.5636% | 3,394 |
| Assets per employee ($millions) | 4.3470% | 3,422 |
| Cash dividends to net income (ytd only)* | 98.8499% | 336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 3,946 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 61.0312% | 3,590 |
| Net loans and leases to deposits | 74.3260% | 3,448 |
| Net loans and leases to core deposits | 82.6749% | 3,202 |
| Total domestic deposits to total assets | 82.1129% | 3,447 |
| Equity capital to assets | 12.8042% | 1,728 |
| Core capital (leverage) ratio | 9.8719% | 3,762 |
| Tier 1 risk-based capital ratio | 14.0921% | 3,283 |
| Total risk-based capital ratio | 14.9276% | 3,395 |
| Memoranda: | ||
| Average total assets | $96,607,750 | 4,098 |
| Average earning assets | $88,853,000 | 4,113 |
| Average equity | $12,068,250 | 4,025 |
| Average total loans | $57,427,250 | 4,071 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1886% | 3,954 |
| Cost of funding earning assets | 0.8624% | 2,337 |
| Net interest margin | 3.3262% | 4,086 |
| Noninterest income to average assets | 0.1816% | 4,659 |
| Noninterest expense to average assets | 2.3295% | 3,930 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8687% | 3,404 |
| Return on assets (ROA) | 0.8707% | 3,462 |
| Pretax return on assets | 0.9099% | 3,819 |
| Return on Equity (ROE) | 7.0279% | 3,670 |
| Retained earnings to average equity (ytd only) | 0.0333% | 4,677 |
| Net charge-offs to loans | 0.0211% | 2,431 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 73.3333% | 865 |
| Efficiency ratio | 71.0006% | 2,070 |
| Assets per employee ($millions) | 4.3977% | 3,289 |
| Cash dividends to net income (ytd only)* | 99.5261% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8803% | 4,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3669% | 3,059 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 59.8197% | 3,750 |
| Net loans and leases to deposits | 72.5742% | 3,632 |
| Net loans and leases to core deposits | 79.4037% | 3,469 |
| Total domestic deposits to total assets | 82.4257% | 3,393 |
| Equity capital to assets | 12.6110% | 1,791 |
| Core capital (leverage) ratio | 9.5830% | 4,063 |
| Tier 1 risk-based capital ratio | 13.6009% | 3,531 |
| Total risk-based capital ratio | 14.3628% | 3,686 |
| Memoranda: | ||
| Average total assets | $96,932,670 | 4,116 |
| Average earning assets | $89,050,330 | 4,134 |
| Average equity | $12,009,330 | 4,045 |
| Average total loans | $56,932,670 | 4,103 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9575% | 4,461 |
| Cost of funding earning assets | 0.8915% | 2,048 |
| Net interest margin | 3.0661% | 4,645 |
| Noninterest income to average assets | 0.1484% | 4,853 |
| Noninterest expense to average assets | 2.2221% | 4,207 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7050% | 3,916 |
| Return on assets (ROA) | 0.7050% | 3,962 |
| Pretax return on assets | 0.7338% | 4,212 |
| Return on Equity (ROE) | 5.7414% | 4,103 |
| Retained earnings to average equity (ytd only) | 0.3693% | 4,462 |
| Net charge-offs to loans | 0.0071% | 2,441 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 178.0000% | 431 |
| Efficiency ratio | 74.1980% | 1,736 |
| Assets per employee ($millions) | 4.4983% | 3,198 |
| Cash dividends to net income (ytd only)* | 93.5673% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,156 |
| Loan loss allowance to noncurrent loans | 170.1639% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 2.4161% | 329 |
| Noncurrent loans to loans | 0.5286% | 2,731 |
| Net loans and leases to total assets | 57.7828% | 3,912 |
| Net loans and leases to deposits | 69.6021% | 3,794 |
| Net loans and leases to core deposits | 74.5930% | 3,763 |
| Total domestic deposits to total assets | 83.0187% | 3,378 |
| Equity capital to assets | 12.1713% | 1,923 |
| Core capital (leverage) ratio | 9.7463% | 3,873 |
| Tier 1 risk-based capital ratio | 13.0468% | 3,855 |
| Total risk-based capital ratio | 13.7845% | 4,025 |
| Memoranda: | ||
| Average total assets | $97,024,500 | 4,149 |
| Average earning assets | $88,843,500 | 4,168 |
| Average equity | $11,913,500 | 4,069 |
| Average total loans | $56,204,500 | 4,162 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 4,384 |
| Cost of funding earning assets | 0.6042% | 2,683 |
| Net interest margin | 3.2494% | 4,387 |
| Noninterest income to average assets | 0.4480% | 3,115 |
| Noninterest expense to average assets | 2.2734% | 4,181 |
| Loan and lease loss provision to assets | 0.0054% | 4,009 |
| Net operating income to assets | 1.0332% | 2,872 |
| Return on assets (ROA) | 1.0322% | 2,863 |
| Pretax return on assets | 1.0794% | 3,351 |
| Return on Equity (ROE) | 8.2323% | 3,343 |
| Retained earnings to average equity (ytd only) | 0.0684% | 4,971 |
| Net charge-offs to loans | 0.0058% | 3,499 |
| Credit loss provision to net charge-offs | 166.6667% | 1,664 |
| Earnings coverage of net charge-offs (x) | 337.6667% | 305 |
| Efficiency ratio | 66.7198% | 2,746 |
| Assets per employee ($millions) | 4.3221% | 3,425 |
| Cash dividends to net income (ytd only)* | 99.1693% | 261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 3,956 |
| Loan loss allowance to noncurrent loans | 187.0504% | 2,354 |
| Noncurrent assets plus other real estate owned to assets | 2.4861% | 311 |
| Noncurrent loans to loans | 0.5082% | 2,750 |
| Net loans and leases to total assets | 56.9868% | 4,047 |
| Net loans and leases to deposits | 69.0483% | 3,902 |
| Net loans and leases to core deposits | 72.7626% | 3,935 |
| Total domestic deposits to total assets | 82.5318% | 3,470 |
| Equity capital to assets | 12.3908% | 1,642 |
| Core capital (leverage) ratio | 10.0604% | 3,510 |
| Tier 1 risk-based capital ratio | 13.3864% | 3,613 |
| Total risk-based capital ratio | 14.1464% | 3,796 |
| Memoranda: | ||
| Average total assets | $93,296,800 | 4,214 |
| Average earning assets | $83,585,000 | 4,257 |
| Average equity | $11,697,800 | 4,061 |
| Average total loans | $52,015,200 | 4,267 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8330% | 4,366 |
| Cost of funding earning assets | 0.5096% | 3,129 |
| Net interest margin | 3.3234% | 4,215 |
| Noninterest income to average assets | 0.4968% | 2,894 |
| Noninterest expense to average assets | 2.2387% | 4,240 |
| Loan and lease loss provision to assets | 0.0072% | 3,830 |
| Net operating income to assets | 1.1602% | 2,410 |
| Return on assets (ROA) | 1.1588% | 2,419 |
| Pretax return on assets | 1.2091% | 2,957 |
| Return on Equity (ROE) | 9.2146% | 2,995 |
| Retained earnings to average equity (ytd only) | -0.0343% | 5,041 |
| Net charge-offs to loans | 0.0078% | 3,137 |
| Credit loss provision to net charge-offs | 166.6667% | 1,591 |
| Earnings coverage of net charge-offs (x) | 282.6600% | 323 |
| Efficiency ratio | 63.8139% | 3,213 |
| Assets per employee ($millions) | 4.1811% | 3,598 |
| Cash dividends to net income (ytd only)* | 100.3718% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 3,770 |
| Loan loss allowance to noncurrent loans | 187.0504% | 2,345 |
| Noncurrent assets plus other real estate owned to assets | 2.5700% | 332 |
| Noncurrent loans to loans | 0.5343% | 2,785 |
| Net loans and leases to total assets | 55.9939% | 4,220 |
| Net loans and leases to deposits | 68.7755% | 4,004 |
| Net loans and leases to core deposits | 72.6624% | 4,032 |
| Total domestic deposits to total assets | 81.4154% | 3,761 |
| Equity capital to assets | 12.5651% | 1,544 |
| Core capital (leverage) ratio | 10.2559% | 3,346 |
| Tier 1 risk-based capital ratio | 14.2685% | 3,233 |
| Total risk-based capital ratio | 15.0802% | 3,359 |
| Memoranda: | ||
| Average total assets | $92,849,250 | 4,268 |
| Average earning assets | $82,684,250 | 4,311 |
| Average equity | $11,676,750 | 4,100 |
| Average total loans | $51,342,250 | 4,335 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 4,324 |
| Cost of funding earning assets | 0.5120% | 2,914 |
| Net interest margin | 3.2967% | 4,258 |
| Noninterest income to average assets | 0.6163% | 2,239 |
| Noninterest expense to average assets | 2.1817% | 4,408 |
| Loan and lease loss provision to assets | 0.0107% | 3,641 |
| Net operating income to assets | 1.2991% | 1,777 |
| Return on assets (ROA) | 1.2970% | 1,778 |
| Pretax return on assets | 1.3528% | 2,314 |
| Return on Equity (ROE) | 10.3104% | 2,419 |
| Retained earnings to average equity (ytd only) | 0.2390% | 4,914 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5932% | 3,837 |
| Assets per employee ($millions) | 4.3779% | 3,312 |
| Cash dividends to net income (ytd only)* | 97.6821% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0205% | 3,714 |
| Loan loss allowance to noncurrent loans | 197.3585% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 2.5572% | 336 |
| Noncurrent loans to loans | 0.5171% | 2,869 |
| Net loans and leases to total assets | 55.1770% | 4,230 |
| Net loans and leases to deposits | 67.5945% | 4,042 |
| Net loans and leases to core deposits | 70.4728% | 4,121 |
| Total domestic deposits to total assets | 81.6294% | 3,833 |
| Equity capital to assets | 12.6557% | 1,461 |
| Core capital (leverage) ratio | 10.2283% | 3,325 |
| Tier 1 risk-based capital ratio | 14.0391% | 3,338 |
| Total risk-based capital ratio | 14.8416% | 3,477 |
| Memoranda: | ||
| Average total assets | $93,137,330 | 4,296 |
| Average earning assets | $82,809,000 | 4,347 |
| Average equity | $11,716,330 | 4,125 |
| Average total loans | $51,114,330 | 4,374 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7119% | 4,442 |
| Cost of funding earning assets | 0.4863% | 2,897 |
| Net interest margin | 3.2256% | 4,384 |
| Noninterest income to average assets | 1.0241% | 871 |
| Noninterest expense to average assets | 2.1549% | 4,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6557% | 756 |
| Return on assets (ROA) | 1.6557% | 760 |
| Pretax return on assets | 1.7282% | 1,049 |
| Return on Equity (ROE) | 13.2006% | 1,208 |
| Retained earnings to average equity (ytd only) | 1.2928% | 4,547 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6154% | 4,726 |
| Assets per employee ($millions) | 4.4542% | 3,236 |
| Cash dividends to net income (ytd only)* | 90.2062% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,899 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2301% | 461 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 54.3388% | 4,251 |
| Net loans and leases to deposits | 66.4514% | 4,056 |
| Net loans and leases to core deposits | 69.3566% | 4,119 |
| Total domestic deposits to total assets | 81.7723% | 4,026 |
| Equity capital to assets | 12.5017% | 1,487 |
| Core capital (leverage) ratio | 10.2860% | 3,202 |
| Tier 1 risk-based capital ratio | 13.7916% | 3,502 |
| Total risk-based capital ratio | 14.5709% | 3,675 |
| Memoranda: | ||
| Average total assets | $93,738,500 | 4,333 |
| Average earning assets | $83,084,500 | 4,390 |
| Average equity | $11,757,000 | 4,159 |
| Average total loans | $51,046,500 | 4,418 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6037% | 4,570 |
| Cost of funding earning assets | 0.4666% | 2,628 |
| Net interest margin | 3.1371% | 4,611 |
| Noninterest income to average assets | 0.3827% | 3,744 |
| Noninterest expense to average assets | 2.0607% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1024% | 1,847 |
| Return on assets (ROA) | 1.1014% | 1,875 |
| Pretax return on assets | 1.1502% | 2,981 |
| Return on Equity (ROE) | 8.8361% | 2,391 |
| Retained earnings to average equity (ytd only) | 2.5853% | 3,774 |
| Net charge-offs to loans | 0.0098% | 3,742 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 217.2000% | 371 |
| Efficiency ratio | 63.1683% | 3,743 |
| Assets per employee ($millions) | 4.4732% | 3,237 |
| Cash dividends to net income (ytd only)* | 70.7411% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,803 |
| Loan loss allowance to noncurrent loans | 925.0000% | 668 |
| Noncurrent assets plus other real estate owned to assets | 2.2802% | 436 |
| Noncurrent loans to loans | 0.1104% | 4,492 |
| Net loans and leases to total assets | 53.4704% | 4,403 |
| Net loans and leases to deposits | 65.9831% | 4,192 |
| Net loans and leases to core deposits | 68.8682% | 4,242 |
| Total domestic deposits to total assets | 81.0364% | 4,113 |
| Equity capital to assets | 12.5828% | 1,470 |
| Core capital (leverage) ratio | 10.2399% | 3,139 |
| Tier 1 risk-based capital ratio | 14.1179% | 3,297 |
| Total risk-based capital ratio | 14.9174% | 3,449 |
| Memoranda: | ||
| Average total assets | $94,334,600 | 4,339 |
| Average earning assets | $85,079,400 | 4,377 |
| Average equity | $11,758,600 | 4,176 |
| Average total loans | $50,918,200 | 4,436 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 4,615 |
| Cost of funding earning assets | 0.4611% | 2,604 |
| Net interest margin | 3.1158% | 4,673 |
| Noninterest income to average assets | 0.4744% | 3,186 |
| Noninterest expense to average assets | 2.0811% | 4,776 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1662% | 1,815 |
| Return on assets (ROA) | 1.1648% | 1,870 |
| Pretax return on assets | 1.2156% | 2,837 |
| Return on Equity (ROE) | 9.3668% | 2,413 |
| Retained earnings to average equity (ytd only) | 3.4061% | 3,899 |
| Net charge-offs to loans | 0.0105% | 3,348 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 215.6285% | 399 |
| Efficiency ratio | 62.1147% | 3,864 |
| Assets per employee ($millions) | 4.3601% | 3,371 |
| Cash dividends to net income (ytd only)* | 63.6363% | 1,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0475% | 3,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6190% | 392 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 53.5435% | 4,452 |
| Net loans and leases to deposits | 66.4534% | 4,214 |
| Net loans and leases to core deposits | 69.4547% | 4,273 |
| Total domestic deposits to total assets | 80.5729% | 4,185 |
| Equity capital to assets | 13.0249% | 1,376 |
| Core capital (leverage) ratio | 10.2655% | 3,239 |
| Tier 1 risk-based capital ratio | 14.7381% | 3,041 |
| Total risk-based capital ratio | 15.5753% | 3,187 |
| Memoranda: | ||
| Average total assets | $94,433,750 | 4,375 |
| Average earning assets | $85,582,000 | 4,410 |
| Average equity | $11,743,250 | 4,225 |
| Average total loans | $50,961,000 | 4,479 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5068% | 4,749 |
| Cost of funding earning assets | 0.4467% | 2,632 |
| Net interest margin | 3.0601% | 4,771 |
| Noninterest income to average assets | 0.5766% | 2,573 |
| Noninterest expense to average assets | 2.0526% | 4,872 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.2684% | 1,379 |
| Return on assets (ROA) | 1.2664% | 1,415 |
| Pretax return on assets | 1.3230% | 2,297 |
| Return on Equity (ROE) | 10.3404% | 1,897 |
| Retained earnings to average equity (ytd only) | 4.1772% | 3,223 |
| Net charge-offs to loans | 0.0156% | 2,935 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 158.0000% | 481 |
| Efficiency ratio | 59.8386% | 4,336 |
| Assets per employee ($millions) | 4.3581% | 3,329 |
| Cash dividends to net income (ytd only)* | 59.6026% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 3,941 |
| Loan loss allowance to noncurrent loans | 3,707.1429% | 179 |
| Noncurrent assets plus other real estate owned to assets | 2.6355% | 387 |
| Noncurrent loans to loans | 0.0279% | 5,051 |
| Net loans and leases to total assets | 54.2870% | 4,368 |
| Net loans and leases to deposits | 67.3088% | 4,125 |
| Net loans and leases to core deposits | 68.6698% | 4,318 |
| Total domestic deposits to total assets | 80.6536% | 4,268 |
| Equity capital to assets | 12.9916% | 1,381 |
| Core capital (leverage) ratio | 9.9280% | 3,621 |
| Tier 1 risk-based capital ratio | 14.1481% | 3,345 |
| Total risk-based capital ratio | 14.9572% | 3,502 |
| Memoranda: | ||
| Average total assets | $95,390,670 | 4,389 |
| Average earning assets | $87,316,330 | 4,410 |
| Average equity | $11,682,330 | 4,245 |
| Average total loans | $51,433,000 | 4,478 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3794% | 4,976 |
| Cost of funding earning assets | 0.4319% | 2,699 |
| Net interest margin | 2.9475% | 4,999 |
| Noninterest income to average assets | 0.5055% | 2,945 |
| Noninterest expense to average assets | 1.9522% | 5,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2206% | 1,461 |
| Return on assets (ROA) | 1.2206% | 1,496 |
| Pretax return on assets | 1.2741% | 2,334 |
| Return on Equity (ROE) | 10.2604% | 1,845 |
| Retained earnings to average equity (ytd only) | 6.4602% | 2,106 |
| Net charge-offs to loans | 0.0307% | 2,151 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 77.5000% | 669 |
| Efficiency ratio | 59.4904% | 4,529 |
| Assets per employee ($millions) | 5.1147% | 2,285 |
| Cash dividends to net income (ytd only)* | 37.0370% | 2,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 4,298 |
| Loan loss allowance to noncurrent loans | 23.2527% | 5,152 |
| Noncurrent assets plus other real estate owned to assets | 2.6178% | 424 |
| Noncurrent loans to loans | 4.2955% | 229 |
| Net loans and leases to total assets | 52.9353% | 4,434 |
| Net loans and leases to deposits | 65.7927% | 4,190 |
| Net loans and leases to core deposits | 67.1295% | 4,341 |
| Total domestic deposits to total assets | 80.4577% | 4,534 |
| Equity capital to assets | 12.0468% | 1,805 |
| Core capital (leverage) ratio | 9.6250% | 3,960 |
| Tier 1 risk-based capital ratio | 13.3733% | 3,849 |
| Total risk-based capital ratio | 14.1435% | 4,045 |
| Memoranda: | ||
| Average total assets | $97,325,500 | 4,400 |
| Average earning assets | $89,837,500 | 4,404 |
| Average equity | $11,578,500 | 4,289 |
| Average total loans | $52,048,000 | 4,505 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5608% | 4,611 |
| Cost of funding earning assets | 0.4531% | 2,511 |
| Net interest margin | 3.1077% | 4,709 |
| Noninterest income to average assets | 0.2661% | 4,828 |
| Noninterest expense to average assets | 1.9754% | 5,237 |
| Loan and lease loss provision to assets | 0.2348% | 919 |
| Net operating income to assets | 0.8661% | 2,996 |
| Return on assets (ROA) | 0.8661% | 3,111 |
| Pretax return on assets | 0.9048% | 3,839 |
| Return on Equity (ROE) | 7.0391% | 3,448 |
| Retained earnings to average equity (ytd only) | 1.2721% | 4,776 |
| Net charge-offs to loans | 0.4958% | 499 |
| Credit loss provision to net charge-offs | 87.5486% | 2,847 |
| Earnings coverage of net charge-offs (x) | 4.2490% | 3,527 |
| Efficiency ratio | 62.0101% | 4,247 |
| Assets per employee ($millions) | 4.6415% | 2,895 |
| Cash dividends to net income (ytd only)* | 81.9277% | 832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 4,301 |
| Loan loss allowance to noncurrent loans | 25.0239% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 2.4643% | 488 |
| Noncurrent loans to loans | 4.0088% | 260 |
| Net loans and leases to total assets | 52.9506% | 4,532 |
| Net loans and leases to deposits | 65.4418% | 4,293 |
| Net loans and leases to core deposits | 66.7589% | 4,479 |
| Total domestic deposits to total assets | 80.9125% | 4,354 |
| Equity capital to assets | 11.7470% | 1,971 |
| Core capital (leverage) ratio | 9.4236% | 4,193 |
| Tier 1 risk-based capital ratio | 13.4762% | 3,784 |
| Total risk-based capital ratio | 14.2727% | 3,970 |
| Memoranda: | ||
| Average total assets | $95,827,200 | 4,432 |
| Average earning assets | $87,846,000 | 4,442 |
| Average equity | $11,791,200 | 4,280 |
| Average total loans | $51,835,800 | 4,523 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5878% | 4,585 |
| Cost of funding earning assets | 0.4517% | 2,545 |
| Net interest margin | 3.1361% | 4,682 |
| Noninterest income to average assets | 0.3046% | 4,588 |
| Noninterest expense to average assets | 1.9367% | 5,319 |
| Loan and lease loss provision to assets | 0.3144% | 530 |
| Net operating income to assets | 0.8859% | 2,978 |
| Return on assets (ROA) | 0.8859% | 3,110 |
| Pretax return on assets | 0.9250% | 3,891 |
| Return on Equity (ROE) | 7.1175% | 3,497 |
| Retained earnings to average equity (ytd only) | 2.5147% | 4,413 |
| Net charge-offs to loans | 0.6775% | 282 |
| Credit loss provision to net charge-offs | 85.5513% | 2,592 |
| Earnings coverage of net charge-offs (x) | 3.3726% | 3,428 |
| Efficiency ratio | 59.4369% | 4,624 |
| Assets per employee ($millions) | 4.7404% | 2,683 |
| Cash dividends to net income (ytd only)* | 64.6686% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 4,306 |
| Loan loss allowance to noncurrent loans | 24.7368% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 2.5335% | 532 |
| Noncurrent loans to loans | 4.1173% | 258 |
| Net loans and leases to total assets | 52.9966% | 4,573 |
| Net loans and leases to deposits | 65.4658% | 4,391 |
| Net loans and leases to core deposits | 66.8125% | 4,552 |
| Total domestic deposits to total assets | 80.9531% | 4,261 |
| Equity capital to assets | 12.6519% | 1,676 |
| Core capital (leverage) ratio | 9.6202% | 4,034 |
| Tier 1 risk-based capital ratio | 14.2924% | 3,401 |
| Total risk-based capital ratio | 15.1208% | 3,552 |
| Memoranda: | ||
| Average total assets | $95,416,000 | 4,472 |
| Average earning assets | $87,367,750 | 4,484 |
| Average equity | $11,876,500 | 4,303 |
| Average total loans | $51,761,000 | 4,560 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5738% | 4,668 |
| Cost of funding earning assets | 0.4433% | 2,629 |
| Net interest margin | 3.1305% | 4,746 |
| Noninterest income to average assets | 0.3263% | 4,449 |
| Noninterest expense to average assets | 1.9097% | 5,434 |
| Loan and lease loss provision to assets | 0.4706% | 290 |
| Net operating income to assets | 0.7927% | 3,343 |
| Return on assets (ROA) | 0.7927% | 3,487 |
| Pretax return on assets | 0.8262% | 4,202 |
| Return on Equity (ROE) | 6.4036% | 3,851 |
| Retained earnings to average equity (ytd only) | 2.5175% | 4,280 |
| Net charge-offs to loans | 0.9944% | 189 |
| Credit loss provision to net charge-offs | 86.8726% | 2,288 |
| Earnings coverage of net charge-offs (x) | 2.3938% | 3,278 |
| Efficiency ratio | 57.8604% | 4,919 |
| Assets per employee ($millions) | 4.7976% | 2,565 |
| Cash dividends to net income (ytd only)* | 60.6860% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 4,105 |
| Loan loss allowance to noncurrent loans | 24.9760% | 5,355 |
| Noncurrent assets plus other real estate owned to assets | 2.4992% | 553 |
| Noncurrent loans to loans | 4.2879% | 258 |
| Net loans and leases to total assets | 50.1589% | 4,830 |
| Net loans and leases to deposits | 61.1491% | 4,723 |
| Net loans and leases to core deposits | 62.3735% | 4,860 |
| Total domestic deposits to total assets | 82.0273% | 3,986 |
| Equity capital to assets | 12.4532% | 1,806 |
| Core capital (leverage) ratio | 9.4403% | 4,280 |
| Tier 1 risk-based capital ratio | 14.2443% | 3,473 |
| Total risk-based capital ratio | 15.0838% | 3,624 |
| Memoranda: | ||
| Average total assets | $95,618,670 | 4,506 |
| Average earning assets | $87,974,000 | 4,502 |
| Average equity | $11,837,000 | 4,346 |
| Average total loans | $52,094,000 | 4,584 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6450% | 4,490 |
| Cost of funding earning assets | 0.4380% | 2,696 |
| Net interest margin | 3.2071% | 4,560 |
| Noninterest income to average assets | 0.5280% | 2,947 |
| Noninterest expense to average assets | 1.9528% | 5,425 |
| Loan and lease loss provision to assets | 0.8591% | 116 |
| Net operating income to assets | 0.6412% | 4,016 |
| Return on assets (ROA) | 0.6412% | 4,136 |
| Pretax return on assets | 0.6621% | 4,643 |
| Return on Equity (ROE) | 5.1948% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.1948% | 2,822 |
| Net charge-offs to loans | 1.5163% | 121 |
| Credit loss provision to net charge-offs | 100.4902% | 1,608 |
| Earnings coverage of net charge-offs (x) | 1.7794% | 2,772 |
| Efficiency ratio | 54.6441% | 5,317 |
| Assets per employee ($millions) | 4.7687% | 2,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0554% | 4,311 |
| Loan loss allowance to noncurrent loans | 17.9413% | 5,462 |
| Noncurrent assets plus other real estate owned to assets | 3.6331% | 300 |
| Noncurrent loans to loans | 5.8826% | 150 |
| Net loans and leases to total assets | 54.6538% | 4,388 |
| Net loans and leases to deposits | 66.7115% | 4,182 |
| Net loans and leases to core deposits | 67.1740% | 4,462 |
| Total domestic deposits to total assets | 81.9257% | 4,249 |
| Equity capital to assets | 12.4836% | 1,694 |
| Core capital (leverage) ratio | 9.4861% | 4,219 |
| Tier 1 risk-based capital ratio | 13.1836% | 4,147 |
| Total risk-based capital ratio | 14.0133% | 4,329 |
| Memoranda: | ||
| Average total assets | $95,452,500 | 4,544 |
| Average earning assets | $87,681,000 | 4,552 |
| Average equity | $11,781,000 | 4,368 |
| Average total loans | $53,816,500 | 4,556 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7371% | 4,242 |
| Cost of funding earning assets | 0.4425% | 2,713 |
| Net interest margin | 3.2946% | 4,311 |
| Noninterest income to average assets | 0.3077% | 4,686 |
| Noninterest expense to average assets | 2.0892% | 5,274 |
| Loan and lease loss provision to assets | 0.2876% | 613 |
| Net operating income to assets | 0.9126% | 2,801 |
| Return on assets (ROA) | 0.9156% | 2,870 |
| Pretax return on assets | 0.9569% | 3,620 |
| Return on Equity (ROE) | 7.4396% | 3,279 |
| Retained earnings to average equity (ytd only) | 0.3952% | 5,354 |
| Net charge-offs to loans | 0.3574% | 828 |
| Credit loss provision to net charge-offs | 138.7755% | 1,887 |
| Earnings coverage of net charge-offs (x) | 5.9898% | 3,297 |
| Efficiency ratio | 61.0794% | 4,749 |
| Assets per employee ($millions) | 4.5491% | 2,963 |
| Cash dividends to net income (ytd only)* | 94.6882% | 504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 4,545 |
| Loan loss allowance to noncurrent loans | 14.7059% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 4.3336% | 230 |
| Noncurrent loans to loans | 6.8678% | 108 |
| Net loans and leases to total assets | 56.9411% | 4,206 |
| Net loans and leases to deposits | 69.4654% | 3,974 |
| Net loans and leases to core deposits | 69.7067% | 4,314 |
| Total domestic deposits to total assets | 81.9704% | 4,174 |
| Equity capital to assets | 12.2011% | 1,812 |
| Core capital (leverage) ratio | 9.4392% | 4,266 |
| Tier 1 risk-based capital ratio | 12.7974% | 4,456 |
| Total risk-based capital ratio | 13.6125% | 4,616 |
| Memoranda: | ||
| Average total assets | $94,580,400 | 4,568 |
| Average earning assets | $86,778,000 | 4,568 |
| Average equity | $11,640,400 | 4,361 |
| Average total loans | $54,846,200 | 4,534 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7479% | 4,264 |
| Cost of funding earning assets | 0.4448% | 2,737 |
| Net interest margin | 3.3031% | 4,327 |
| Noninterest income to average assets | 0.3406% | 4,504 |
| Noninterest expense to average assets | 2.0916% | 5,290 |
| Loan and lease loss provision to assets | 0.3844% | 322 |
| Net operating income to assets | 0.8468% | 3,185 |
| Return on assets (ROA) | 0.8508% | 3,259 |
| Pretax return on assets | 0.9017% | 3,977 |
| Return on Equity (ROE) | 6.8977% | 3,686 |
| Retained earnings to average equity (ytd only) | -1.0083% | 5,760 |
| Net charge-offs to loans | 0.4767% | 516 |
| Credit loss provision to net charge-offs | 138.7755% | 1,782 |
| Earnings coverage of net charge-offs (x) | 4.6275% | 3,326 |
| Efficiency ratio | 60.3687% | 4,837 |
| Assets per employee ($millions) | 4.7042% | 2,697 |
| Cash dividends to net income (ytd only)* | 114.6178% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0172% | 4,654 |
| Loan loss allowance to noncurrent loans | 14.4231% | 5,630 |
| Noncurrent assets plus other real estate owned to assets | 4.4376% | 248 |
| Noncurrent loans to loans | 7.0529% | 100 |
| Net loans and leases to total assets | 57.4004% | 4,209 |
| Net loans and leases to deposits | 71.2228% | 3,849 |
| Net loans and leases to core deposits | 71.4783% | 4,236 |
| Total domestic deposits to total assets | 80.5927% | 4,581 |
| Equity capital to assets | 12.3455% | 1,841 |
| Core capital (leverage) ratio | 9.3610% | 4,499 |
| Tier 1 risk-based capital ratio | 13.1290% | 4,361 |
| Total risk-based capital ratio | 13.9762% | 4,503 |
| Memoranda: | ||
| Average total assets | $94,342,500 | 4,627 |
| Average earning assets | $86,623,250 | 4,622 |
| Average equity | $11,636,500 | 4,416 |
| Average total loans | $54,819,750 | 4,582 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8974% | 3,706 |
| Cost of funding earning assets | 0.4417% | 2,820 |
| Net interest margin | 3.4556% | 3,682 |
| Noninterest income to average assets | 0.3728% | 4,276 |
| Noninterest expense to average assets | 2.0693% | 5,399 |
| Loan and lease loss provision to assets | 0.1652% | 1,275 |
| Net operating income to assets | 1.2625% | 1,417 |
| Return on assets (ROA) | 1.2666% | 1,469 |
| Pretax return on assets | 1.3237% | 2,270 |
| Return on Equity (ROE) | 10.2717% | 1,946 |
| Retained earnings to average equity (ytd only) | 2.0269% | 4,686 |
| Net charge-offs to loans | 0.0073% | 3,644 |
| Credit loss provision to net charge-offs | 3,900.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 350.5000% | 200 |
| Efficiency ratio | 56.6746% | 5,369 |
| Assets per employee ($millions) | 4.7885% | 2,559 |
| Cash dividends to net income (ytd only)* | 80.2676% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 4,709 |
| Loan loss allowance to noncurrent loans | 39.3896% | 5,274 |
| Noncurrent assets plus other real estate owned to assets | 1.8200% | 1,262 |
| Noncurrent loans to loans | 2.6166% | 840 |
| Net loans and leases to total assets | 55.6474% | 4,374 |
| Net loans and leases to deposits | 67.7098% | 4,158 |
| Net loans and leases to core deposits | 67.9420% | 4,499 |
| Total domestic deposits to total assets | 82.1853% | 4,233 |
| Equity capital to assets | 12.1438% | 1,921 |
| Core capital (leverage) ratio | 9.5546% | 4,201 |
| Tier 1 risk-based capital ratio | 13.3585% | 4,305 |
| Total risk-based capital ratio | 14.2033% | 4,459 |
| Memoranda: | ||
| Average total assets | $94,429,000 | 4,671 |
| Average earning assets | $86,930,330 | 4,655 |
| Average equity | $11,643,670 | 4,447 |
| Average total loans | $54,906,670 | 4,617 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9182% | 3,525 |
| Cost of funding earning assets | 0.4441% | 2,839 |
| Net interest margin | 3.4741% | 3,535 |
| Noninterest income to average assets | 0.5290% | 3,100 |
| Noninterest expense to average assets | 2.0521% | 5,481 |
| Loan and lease loss provision to assets | 0.1664% | 1,203 |
| Net operating income to assets | 1.4505% | 940 |
| Return on assets (ROA) | 1.4505% | 1,001 |
| Pretax return on assets | 1.5145% | 1,515 |
| Return on Equity (ROE) | 11.6733% | 1,435 |
| Retained earnings to average equity (ytd only) | 2.5750% | 4,394 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4857% | 5,720 |
| Assets per employee ($millions) | 5.2209% | 2,085 |
| Cash dividends to net income (ytd only)* | 77.9412% | 1,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 5,242 |
| Loan loss allowance to noncurrent loans | 664.1026% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.4384% | 4,283 |
| Noncurrent loans to loans | 0.1435% | 5,266 |
| Net loans and leases to total assets | 57.3051% | 4,050 |
| Net loans and leases to deposits | 70.1366% | 3,736 |
| Net loans and leases to core deposits | 70.3832% | 4,121 |
| Total domestic deposits to total assets | 81.7049% | 4,605 |
| Equity capital to assets | 12.5128% | 1,689 |
| Core capital (leverage) ratio | 9.5631% | 4,189 |
| Tier 1 risk-based capital ratio | 12.9756% | 4,617 |
| Total risk-based capital ratio | 13.7458% | 4,821 |
| Memoranda: | ||
| Average total assets | $93,759,000 | 4,729 |
| Average earning assets | $86,468,000 | 4,709 |
| Average equity | $11,650,500 | 4,477 |
| Average total loans | $55,436,000 | 4,629 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9744% | 3,818 |
| Cost of funding earning assets | 0.4557% | 3,115 |
| Net interest margin | 3.5187% | 3,724 |
| Noninterest income to average assets | 0.2665% | 5,220 |
| Noninterest expense to average assets | 2.0093% | 5,745 |
| Loan and lease loss provision to assets | 0.0630% | 3,257 |
| Net operating income to assets | 1.3420% | 1,203 |
| Return on assets (ROA) | 1.3420% | 1,252 |
| Pretax return on assets | 1.4029% | 1,876 |
| Return on Equity (ROE) | 11.5650% | 1,538 |
| Retained earnings to average equity (ytd only) | 3.1105% | 4,022 |
| Net charge-offs to loans | 0.0480% | 3,865 |
| Credit loss provision to net charge-offs | 230.7692% | 1,090 |
| Earnings coverage of net charge-offs (x) | 53.7308% | 874 |
| Efficiency ratio | 56.2500% | 5,644 |
| Assets per employee ($millions) | 4.6771% | 2,762 |
| Cash dividends to net income (ytd only)* | 73.1040% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8478% | 5,639 |
| Loan loss allowance to noncurrent loans | 293.8650% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 4,104 |
| Noncurrent loans to loans | 0.2885% | 4,816 |
| Net loans and leases to total assets | 59.8897% | 3,803 |
| Net loans and leases to deposits | 74.7877% | 3,339 |
| Net loans and leases to core deposits | 75.0573% | 3,815 |
| Total domestic deposits to total assets | 80.0795% | 4,994 |
| Equity capital to assets | 12.3388% | 1,743 |
| Core capital (leverage) ratio | 9.2301% | 4,635 |
| Tier 1 risk-based capital ratio | 12.3703% | 5,114 |
| Total risk-based capital ratio | 13.0781% | 5,385 |
| Memoranda: | ||
| Average total assets | $95,305,000 | 4,709 |
| Average earning assets | $86,907,000 | 4,719 |
| Average equity | $11,059,200 | 4,554 |
| Average total loans | $54,130,600 | 4,686 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9581% | 3,938 |
| Cost of funding earning assets | 0.4559% | 3,178 |
| Net interest margin | 3.5022% | 3,817 |
| Noninterest income to average assets | 0.3064% | 4,990 |
| Noninterest expense to average assets | 2.0373% | 5,704 |
| Loan and lease loss provision to assets | 0.0627% | 3,099 |
| Net operating income to assets | 1.3354% | 1,276 |
| Return on assets (ROA) | 1.3341% | 1,335 |
| Pretax return on assets | 1.3925% | 2,040 |
| Return on Equity (ROE) | 11.6771% | 1,567 |
| Retained earnings to average equity (ytd only) | 3.1448% | 4,385 |
| Net charge-offs to loans | 0.1718% | 2,075 |
| Credit loss provision to net charge-offs | 65.2174% | 2,846 |
| Earnings coverage of net charge-offs (x) | 15.1590% | 2,079 |
| Efficiency ratio | 56.7557% | 5,584 |
| Assets per employee ($millions) | 4.7547% | 2,586 |
| Cash dividends to net income (ytd only)* | 73.0690% | 925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 5,958 |
| Loan loss allowance to noncurrent loans | 183.8428% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 4,143 |
| Noncurrent loans to loans | 0.4159% | 4,661 |
| Net loans and leases to total assets | 57.4627% | 4,141 |
| Net loans and leases to deposits | 72.2877% | 3,658 |
| Net loans and leases to core deposits | 72.5449% | 4,096 |
| Total domestic deposits to total assets | 79.4917% | 5,227 |
| Equity capital to assets | 11.8347% | 2,202 |
| Core capital (leverage) ratio | 9.1412% | 4,868 |
| Tier 1 risk-based capital ratio | 12.7583% | 4,999 |
| Total risk-based capital ratio | 13.3980% | 5,317 |
| Memoranda: | ||
| Average total assets | $95,745,750 | 4,745 |
| Average earning assets | $87,143,750 | 4,767 |
| Average equity | $10,938,500 | 4,608 |
| Average total loans | $53,538,000 | 4,751 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9234% | 4,043 |
| Cost of funding earning assets | 0.4517% | 3,311 |
| Net interest margin | 3.4716% | 3,888 |
| Noninterest income to average assets | 0.3543% | 4,592 |
| Noninterest expense to average assets | 2.0195% | 5,805 |
| Loan and lease loss provision to assets | 0.0625% | 3,019 |
| Net operating income to assets | 1.3669% | 1,142 |
| Return on assets (ROA) | 1.3609% | 1,199 |
| Pretax return on assets | 1.4214% | 1,816 |
| Return on Equity (ROE) | 12.0554% | 1,405 |
| Retained earnings to average equity (ytd only) | 3.4708% | 3,994 |
| Net charge-offs to loans | 0.2753% | 1,439 |
| Credit loss provision to net charge-offs | 41.0959% | 2,907 |
| Earnings coverage of net charge-offs (x) | 9.7945% | 2,319 |
| Efficiency ratio | 55.9976% | 5,747 |
| Assets per employee ($millions) | 4.7931% | 2,483 |
| Cash dividends to net income (ytd only)* | 71.2098% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7621% | 6,065 |
| Loan loss allowance to noncurrent loans | 522.0779% | 883 |
| Noncurrent assets plus other real estate owned to assets | 0.4058% | 4,798 |
| Noncurrent loans to loans | 0.1460% | 5,567 |
| Net loans and leases to total assets | 54.6072% | 4,467 |
| Net loans and leases to deposits | 66.9322% | 4,166 |
| Net loans and leases to core deposits | 67.3663% | 4,519 |
| Total domestic deposits to total assets | 81.5858% | 4,788 |
| Equity capital to assets | 11.6888% | 2,249 |
| Core capital (leverage) ratio | 8.9285% | 5,118 |
| Tier 1 risk-based capital ratio | 12.8223% | 5,022 |
| Total risk-based capital ratio | 13.4423% | 5,341 |
| Memoranda: | ||
| Average total assets | $95,963,330 | 4,772 |
| Average earning assets | $87,221,330 | 4,788 |
| Average equity | $10,833,330 | 4,649 |
| Average total loans | $53,029,330 | 4,791 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9016% | 4,082 |
| Cost of funding earning assets | 0.4472% | 3,460 |
| Net interest margin | 3.4544% | 3,881 |
| Noninterest income to average assets | 0.4749% | 3,603 |
| Noninterest expense to average assets | 2.0164% | 5,856 |
| Loan and lease loss provision to assets | 0.0625% | 2,870 |
| Net operating income to assets | 1.4873% | 841 |
| Return on assets (ROA) | 1.4873% | 869 |
| Pretax return on assets | 1.5498% | 1,293 |
| Return on Equity (ROE) | 13.4116% | 1,053 |
| Retained earnings to average equity (ytd only) | 13.4116% | 439 |
| Net charge-offs to loans | 0.0226% | 3,123 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 379 |
| Efficiency ratio | 54.0758% | 6,003 |
| Assets per employee ($millions) | 4.8415% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8704% | 5,946 |
| Loan loss allowance to noncurrent loans | 564.1975% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.4059% | 4,925 |
| Noncurrent loans to loans | 0.1543% | 5,620 |
| Net loans and leases to total assets | 53.7488% | 4,452 |
| Net loans and leases to deposits | 64.7705% | 4,233 |
| Net loans and leases to core deposits | 65.1793% | 4,581 |
| Total domestic deposits to total assets | 82.9836% | 4,605 |
| Equity capital to assets | 11.4045% | 2,325 |
| Core capital (leverage) ratio | 9.1788% | 4,748 |
| Tier 1 risk-based capital ratio | 12.9324% | 5,038 |
| Total risk-based capital ratio | 13.6301% | 5,324 |
| Memoranda: | ||
| Average total assets | $96,014,500 | 4,819 |
| Average earning assets | $87,657,000 | 4,833 |
| Average equity | $10,647,500 | 4,697 |
| Average total loans | $53,169,500 | 4,817 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8743% | 4,558 |
| Cost of funding earning assets | 0.4916% | 3,691 |
| Net interest margin | 3.3828% | 4,348 |
| Noninterest income to average assets | 0.3757% | 4,625 |
| Noninterest expense to average assets | 2.0894% | 5,852 |
| Loan and lease loss provision to assets | 0.0623% | 3,892 |
| Net operating income to assets | 1.2396% | 1,421 |
| Return on assets (ROA) | 1.2455% | 1,461 |
| Pretax return on assets | 1.3088% | 2,113 |
| Return on Equity (ROE) | 11.1272% | 1,725 |
| Retained earnings to average equity (ytd only) | 2.7354% | 4,288 |
| Net charge-offs to loans | 0.0098% | 5,252 |
| Credit loss provision to net charge-offs | 1,200.0000% | 206 |
| Earnings coverage of net charge-offs (x) | 263.0000% | 172 |
| Efficiency ratio | 58.9243% | 5,620 |
| Assets per employee ($millions) | 4.1391% | 3,553 |
| Cash dividends to net income (ytd only)* | 75.4167% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8266% | 6,109 |
| Loan loss allowance to noncurrent loans | 5,562.5000% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 5,258 |
| Noncurrent loans to loans | 0.0149% | 6,230 |
| Net loans and leases to total assets | 56.0846% | 4,307 |
| Net loans and leases to deposits | 69.6642% | 3,821 |
| Net loans and leases to core deposits | 70.1244% | 4,278 |
| Total domestic deposits to total assets | 80.5071% | 5,319 |
| Equity capital to assets | 10.7690% | 2,854 |
| Core capital (leverage) ratio | 8.8725% | 5,178 |
| Tier 1 risk-based capital ratio | 12.0703% | 5,579 |
| Total risk-based capital ratio | 12.7334% | 5,854 |
| Memoranda: | ||
| Average total assets | $96,344,200 | 4,830 |
| Average earning assets | $87,679,400 | 4,838 |
| Average equity | $10,784,400 | 4,681 |
| Average total loans | $50,831,200 | 4,934 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8336% | 4,724 |
| Cost of funding earning assets | 0.4989% | 3,777 |
| Net interest margin | 3.3347% | 4,514 |
| Noninterest income to average assets | 0.4181% | 4,384 |
| Noninterest expense to average assets | 2.0655% | 5,898 |
| Loan and lease loss provision to assets | 0.0621% | 3,802 |
| Net operating income to assets | 1.2626% | 1,447 |
| Return on assets (ROA) | 1.2639% | 1,514 |
| Pretax return on assets | 1.3260% | 2,230 |
| Return on Equity (ROE) | 11.1866% | 1,754 |
| Retained earnings to average equity (ytd only) | 3.3095% | 4,321 |
| Net charge-offs to loans | 0.0106% | 4,934 |
| Credit loss provision to net charge-offs | 1,125.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 251.4015% | 231 |
| Efficiency ratio | 58.2734% | 5,652 |
| Assets per employee ($millions) | 4.0975% | 3,640 |
| Cash dividends to net income (ytd only)* | 70.4151% | 1,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8468% | 6,190 |
| Loan loss allowance to noncurrent loans | 1,026.1905% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.3756% | 5,281 |
| Noncurrent loans to loans | 0.0825% | 6,085 |
| Net loans and leases to total assets | 53.5509% | 4,686 |
| Net loans and leases to deposits | 66.0196% | 4,305 |
| Net loans and leases to core deposits | 66.9035% | 4,633 |
| Total domestic deposits to total assets | 81.1137% | 5,189 |
| Equity capital to assets | 11.2083% | 2,558 |
| Core capital (leverage) ratio | 8.9171% | 5,245 |
| Tier 1 risk-based capital ratio | 12.8762% | 5,209 |
| Total risk-based capital ratio | 13.5644% | 5,503 |
| Memoranda: | ||
| Average total assets | $96,630,500 | 4,863 |
| Average earning assets | $87,921,000 | 4,872 |
| Average equity | $10,917,500 | 4,705 |
| Average total loans | $50,079,750 | 4,997 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8250% | 4,745 |
| Cost of funding earning assets | 0.5073% | 3,836 |
| Net interest margin | 3.3177% | 4,497 |
| Noninterest income to average assets | 0.4516% | 4,152 |
| Noninterest expense to average assets | 2.0385% | 5,977 |
| Loan and lease loss provision to assets | 0.0616% | 3,778 |
| Net operating income to assets | 1.2975% | 1,326 |
| Return on assets (ROA) | 1.2994% | 1,414 |
| Pretax return on assets | 1.3610% | 2,081 |
| Return on Equity (ROE) | 11.4719% | 1,649 |
| Retained earnings to average equity (ytd only) | 3.6790% | 3,968 |
| Net charge-offs to loans | 0.0040% | 4,835 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 692.0000% | 60 |
| Efficiency ratio | 57.3887% | 5,814 |
| Assets per employee ($millions) | 3.9605% | 3,892 |
| Cash dividends to net income (ytd only)* | 67.9305% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8623% | 6,227 |
| Loan loss allowance to noncurrent loans | 3,223.0769% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.3419% | 5,457 |
| Noncurrent loans to loans | 0.0268% | 6,334 |
| Net loans and leases to total assets | 50.6770% | 5,037 |
| Net loans and leases to deposits | 62.0420% | 4,736 |
| Net loans and leases to core deposits | 62.8580% | 5,024 |
| Total domestic deposits to total assets | 81.6818% | 5,149 |
| Equity capital to assets | 11.1538% | 2,609 |
| Core capital (leverage) ratio | 8.4941% | 5,680 |
| Tier 1 risk-based capital ratio | 12.9479% | 5,179 |
| Total risk-based capital ratio | 13.6274% | 5,530 |
| Memoranda: | ||
| Average total assets | $97,426,330 | 4,870 |
| Average earning assets | $88,314,330 | 4,892 |
| Average equity | $11,035,670 | 4,710 |
| Average total loans | $49,806,670 | 5,030 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7640% | 4,942 |
| Cost of funding earning assets | 0.5371% | 3,703 |
| Net interest margin | 3.2270% | 4,816 |
| Noninterest income to average assets | 0.6896% | 2,652 |
| Noninterest expense to average assets | 2.0038% | 6,098 |
| Loan and lease loss provision to assets | 0.0608% | 3,624 |
| Net operating income to assets | 1.4888% | 879 |
| Return on assets (ROA) | 1.4927% | 945 |
| Pretax return on assets | 1.5535% | 1,416 |
| Return on Equity (ROE) | 13.0815% | 1,149 |
| Retained earnings to average equity (ytd only) | 5.9720% | 2,690 |
| Net charge-offs to loans | 0.0079% | 3,991 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 397.0000% | 87 |
| Efficiency ratio | 53.9843% | 6,230 |
| Assets per employee ($millions) | 4.1391% | 3,650 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 6,412 |
| Loan loss allowance to noncurrent loans | 2,885.7143% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 5,600 |
| Noncurrent loans to loans | 0.0286% | 6,408 |
| Net loans and leases to total assets | 48.7880% | 5,143 |
| Net loans and leases to deposits | 58.7156% | 4,945 |
| Net loans and leases to core deposits | 59.4407% | 5,200 |
| Total domestic deposits to total assets | 83.0921% | 4,823 |
| Equity capital to assets | 11.3924% | 2,529 |
| Core capital (leverage) ratio | 8.1910% | 5,937 |
| Tier 1 risk-based capital ratio | 12.6277% | 5,493 |
| Total risk-based capital ratio | 13.2706% | 5,860 |
| Memoranda: | ||
| Average total assets | $98,613,000 | 4,894 |
| Average earning assets | $89,372,000 | 4,900 |
| Average equity | $11,252,500 | 4,725 |
| Average total loans | $50,415,500 | 5,041 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 5,293 |
| Cost of funding earning assets | 0.6424% | 3,986 |
| Net interest margin | 3.3607% | 5,035 |
| Noninterest income to average assets | 0.3490% | 4,974 |
| Noninterest expense to average assets | 2.0950% | 6,139 |
| Loan and lease loss provision to assets | 0.0500% | 5,189 |
| Net operating income to assets | 1.1804% | 1,663 |
| Return on assets (ROA) | 1.1814% | 1,818 |
| Pretax return on assets | 1.2403% | 2,638 |
| Return on Equity (ROE) | 10.2952% | 2,051 |
| Retained earnings to average equity (ytd only) | -13.8980% | 6,752 |
| Net charge-offs to loans | 0.0258% | 5,535 |
| Credit loss provision to net charge-offs | 375.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 96.6667% | 401 |
| Efficiency ratio | 60.4598% | 5,475 |
| Assets per employee ($millions) | 4.0787% | 3,793 |
| Cash dividends to net income (ytd only)* | 234.9953% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7505% | 6,565 |
| Loan loss allowance to noncurrent loans | 7,800.0000% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.4628% | 5,320 |
| Noncurrent loans to loans | 0.0096% | 6,545 |
| Net loans and leases to total assets | 52.6847% | 4,809 |
| Net loans and leases to deposits | 65.7387% | 4,324 |
| Net loans and leases to core deposits | 66.5918% | 4,678 |
| Total domestic deposits to total assets | 80.1426% | 5,625 |
| Equity capital to assets | 11.4294% | 2,511 |
| Core capital (leverage) ratio | 8.3058% | 5,881 |
| Tier 1 risk-based capital ratio | 11.8709% | 5,862 |
| Total risk-based capital ratio | 12.4679% | 6,229 |
| Memoranda: | ||
| Average total assets | $89,975,400 | 5,084 |
| Average earning assets | $81,264,000 | 5,096 |
| Average equity | $10,325,200 | 4,910 |
| Average total loans | $46,450,400 | 5,230 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9915% | 5,541 |
| Cost of funding earning assets | 0.6588% | 4,113 |
| Net interest margin | 3.3326% | 5,272 |
| Noninterest income to average assets | 0.3318% | 5,149 |
| Noninterest expense to average assets | 2.0818% | 6,203 |
| Loan and lease loss provision to assets | 0.0455% | 5,203 |
| Net operating income to assets | 1.1683% | 1,835 |
| Return on assets (ROA) | 1.1697% | 2,027 |
| Pretax return on assets | 1.2258% | 2,885 |
| Return on Equity (ROE) | 10.1816% | 2,265 |
| Retained earnings to average equity (ytd only) | -18.6750% | 6,956 |
| Net charge-offs to loans | 0.0355% | 5,149 |
| Credit loss provision to net charge-offs | 250.0000% | 1,095 |
| Earnings coverage of net charge-offs (x) | 69.8319% | 589 |
| Efficiency ratio | 60.7143% | 5,374 |
| Assets per employee ($millions) | 4.0185% | 3,832 |
| Cash dividends to net income (ytd only)* | 283.4190% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7810% | 6,637 |
| Loan loss allowance to noncurrent loans | 198.4127% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.6605% | 5,027 |
| Noncurrent loans to loans | 0.3936% | 5,671 |
| Net loans and leases to total assets | 49.3997% | 5,386 |
| Net loans and leases to deposits | 60.4032% | 5,158 |
| Net loans and leases to core deposits | 61.1827% | 5,437 |
| Total domestic deposits to total assets | 81.7832% | 5,093 |
| Equity capital to assets | 11.6441% | 2,600 |
| Core capital (leverage) ratio | 8.2253% | 6,109 |
| Tier 1 risk-based capital ratio | 12.8466% | 5,372 |
| Total risk-based capital ratio | 13.4673% | 5,799 |
| Memoranda: | ||
| Average total assets | $87,997,250 | 5,191 |
| Average earning assets | $79,734,500 | 5,192 |
| Average equity | $10,109,500 | 5,004 |
| Average total loans | $45,072,500 | 5,340 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9321% | 5,832 |
| Cost of funding earning assets | 0.6687% | 4,286 |
| Net interest margin | 3.2634% | 5,556 |
| Noninterest income to average assets | 0.2771% | 5,592 |
| Noninterest expense to average assets | 2.0779% | 6,266 |
| Loan and lease loss provision to assets | 0.0352% | 5,233 |
| Net operating income to assets | 1.0800% | 2,123 |
| Return on assets (ROA) | 1.0800% | 2,341 |
| Pretax return on assets | 1.1317% | 3,185 |
| Return on Equity (ROE) | 9.4495% | 2,595 |
| Retained earnings to average equity (ytd only) | -31.6352% | 7,104 |
| Net charge-offs to loans | 0.0680% | 4,475 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 33.1333% | 1,006 |
| Efficiency ratio | 62.7352% | 5,126 |
| Assets per employee ($millions) | 4.2397% | 3,381 |
| Cash dividends to net income (ytd only)* | 434.7826% | 17 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7464% | 6,765 |
| Loan loss allowance to noncurrent loans | 4,462.5000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.4676% | 5,598 |
| Noncurrent loans to loans | 0.0167% | 6,648 |
| Net loans and leases to total assets | 48.6817% | 5,540 |
| Net loans and leases to deposits | 58.6634% | 5,381 |
| Net loans and leases to core deposits | 60.4926% | 5,545 |
| Total domestic deposits to total assets | 82.9848% | 4,762 |
| Equity capital to assets | 11.3544% | 2,731 |
| Core capital (leverage) ratio | 7.9586% | 6,314 |
| Tier 1 risk-based capital ratio | 12.2823% | 5,738 |
| Total risk-based capital ratio | 12.8575% | 6,144 |
| Memoranda: | ||
| Average total assets | $85,181,670 | 5,298 |
| Average earning assets | $77,465,670 | 5,288 |
| Average equity | $9,736,000 | 5,097 |
| Average total loans | $44,090,670 | 5,425 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3802% | 6,835 |
| Cost of funding earning assets | 0.6515% | 4,721 |
| Net interest margin | 2.7286% | 6,742 |
| Noninterest income to average assets | 0.2126% | 6,100 |
| Noninterest expense to average assets | 1.7414% | 6,859 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9011% | 2,907 |
| Return on assets (ROA) | 0.9011% | 3,134 |
| Pretax return on assets | 0.9517% | 3,859 |
| Return on Equity (ROE) | 7.8518% | 3,345 |
| Retained earnings to average equity (ytd only) | -75.9594% | 7,250 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7218% | 4,974 |
| Assets per employee ($millions) | 4.0066% | 3,999 |
| Cash dividends to net income (ytd only)* | 1,067.4157% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7233% | 6,850 |
| Loan loss allowance to noncurrent loans | 1,487.5000% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.4672% | 5,688 |
| Noncurrent loans to loans | 0.0486% | 6,629 |
| Net loans and leases to total assets | 48.9168% | 5,441 |
| Net loans and leases to deposits | 58.4515% | 5,332 |
| Net loans and leases to core deposits | 60.5282% | 5,481 |
| Total domestic deposits to total assets | 83.6878% | 4,640 |
| Equity capital to assets | 10.7993% | 3,146 |
| Core capital (leverage) ratio | 7.7502% | 6,445 |
| Tier 1 risk-based capital ratio | 11.8843% | 6,035 |
| Total risk-based capital ratio | 12.4554% | 6,423 |
| Memoranda: | ||
| Average total assets | $79,016,000 | 5,509 |
| Average earning assets | $71,831,000 | 5,501 |
| Average equity | $9,068,000 | 5,266 |
| Average total loans | $42,222,000 | 5,542 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8221% | 3,701 |
| Cost of funding earning assets | 0.9709% | 3,574 |
| Net interest margin | 3.8512% | 3,562 |
| Noninterest income to average assets | 0.3168% | 5,274 |
| Noninterest expense to average assets | 2.2139% | 6,241 |
| Loan and lease loss provision to assets | 0.0035% | 6,473 |
| Net operating income to assets | 1.5385% | 766 |
| Return on assets (ROA) | 1.5369% | 832 |
| Pretax return on assets | 1.6117% | 1,176 |
| Return on Equity (ROE) | 12.3465% | 1,316 |
| Retained earnings to average equity (ytd only) | 2.5588% | 4,406 |
| Net charge-offs to loans | 0.0030% | 6,411 |
| Credit loss provision to net charge-offs | 200.0000% | 1,243 |
| Earnings coverage of net charge-offs (x) | 929.0000% | 29 |
| Efficiency ratio | 56.7924% | 6,215 |
| Assets per employee ($millions) | 3.6168% | 4,731 |
| Cash dividends to net income (ytd only)* | 79.2752% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,132 |
| Loan loss allowance to noncurrent loans | 870.7317% | 439 |
| Noncurrent assets plus other real estate owned to assets | 0.0709% | 6,776 |
| Noncurrent loans to loans | 0.1168% | 6,521 |
| Net loans and leases to total assets | 60.0211% | 3,988 |
| Net loans and leases to deposits | 77.9361% | 2,852 |
| Net loans and leases to core deposits | 80.2630% | 3,427 |
| Total domestic deposits to total assets | 77.0132% | 6,340 |
| Equity capital to assets | 12.6478% | 1,702 |
| Core capital (leverage) ratio | 10.7780% | 2,450 |
| Tier 1 risk-based capital ratio | 13.6881% | 4,567 |
| Total risk-based capital ratio | 14.4919% | 4,862 |
| Memoranda: | ||
| Average total assets | $57,454,000 | 6,128 |
| Average earning assets | $52,425,800 | 6,111 |
| Average equity | $7,151,800 | 5,822 |
| Average total loans | $33,342,400 | 5,989 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8833% | 3,630 |
| Cost of funding earning assets | 0.9853% | 3,780 |
| Net interest margin | 3.8980% | 3,389 |
| Noninterest income to average assets | 0.3069% | 5,403 |
| Noninterest expense to average assets | 2.2225% | 6,229 |
| Loan and lease loss provision to assets | 0.0047% | 6,361 |
| Net operating income to assets | 1.5622% | 831 |
| Return on assets (ROA) | 1.5600% | 908 |
| Pretax return on assets | 1.6367% | 1,289 |
| Return on Equity (ROE) | 12.5828% | 1,391 |
| Retained earnings to average equity (ytd only) | 2.6442% | 4,777 |
| Net charge-offs to loans | 0.0040% | 6,140 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 708.7519% | 48 |
| Efficiency ratio | 56.5244% | 6,206 |
| Assets per employee ($millions) | 3.6477% | 4,649 |
| Cash dividends to net income (ytd only)* | 78.9871% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 6,001 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 60.4862% | 4,047 |
| Net loans and leases to deposits | 80.8833% | 2,539 |
| Net loans and leases to core deposits | 83.5184% | 3,124 |
| Total domestic deposits to total assets | 74.7821% | 6,665 |
| Equity capital to assets | 13.3108% | 1,459 |
| Core capital (leverage) ratio | 10.7511% | 2,617 |
| Tier 1 risk-based capital ratio | 14.9417% | 3,695 |
| Total risk-based capital ratio | 15.8258% | 3,899 |
| Memoranda: | ||
| Average total assets | $57,350,500 | 6,173 |
| Average earning assets | $52,368,000 | 6,154 |
| Average equity | $7,110,000 | 5,875 |
| Average total loans | $32,905,500 | 6,079 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7812% | 4,167 |
| Cost of funding earning assets | 0.9840% | 4,057 |
| Net interest margin | 3.7972% | 3,794 |
| Noninterest income to average assets | 0.2885% | 5,572 |
| Noninterest expense to average assets | 2.1742% | 6,443 |
| Loan and lease loss provision to assets | 0.0069% | 6,172 |
| Net operating income to assets | 1.5077% | 875 |
| Return on assets (ROA) | 1.5044% | 941 |
| Pretax return on assets | 1.5765% | 1,306 |
| Return on Equity (ROE) | 12.4214% | 1,369 |
| Retained earnings to average equity (ytd only) | 2.2120% | 4,886 |
| Net charge-offs to loans | 0.0061% | 5,787 |
| Credit loss provision to net charge-offs | 200.0000% | 1,502 |
| Earnings coverage of net charge-offs (x) | 462.0000% | 69 |
| Efficiency ratio | 56.8037% | 6,320 |
| Assets per employee ($millions) | 3.9479% | 3,872 |
| Cash dividends to net income (ytd only)* | 82.1918% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,889 |
| 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 | 53.3646% | 5,377 |
| Net loans and leases to deposits | 68.7912% | 4,589 |
| Net loans and leases to core deposits | 70.8390% | 4,971 |
| Total domestic deposits to total assets | 77.5748% | 6,362 |
| Equity capital to assets | 12.1853% | 1,975 |
| Core capital (leverage) ratio | 10.0003% | 3,261 |
| Tier 1 risk-based capital ratio | 14.6362% | 3,703 |
| Total risk-based capital ratio | 15.5122% | 3,944 |
| Memoranda: | ||
| Average total assets | $58,229,000 | 6,200 |
| Average earning assets | $53,250,000 | 6,175 |
| Average equity | $7,052,330 | 5,906 |
| Average total loans | $32,723,330 | 6,153 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8062% | 4,030 |
| Cost of funding earning assets | 1.0067% | 4,157 |
| Net interest margin | 3.7995% | 3,624 |
| Noninterest income to average assets | 0.2910% | 5,584 |
| Noninterest expense to average assets | 2.2240% | 6,370 |
| Loan and lease loss provision to assets | 0.0139% | 5,741 |
| Net operating income to assets | 1.4615% | 955 |
| Return on assets (ROA) | 1.4549% | 1,010 |
| Pretax return on assets | 1.5242% | 1,378 |
| Return on Equity (ROE) | 12.0508% | 1,447 |
| Retained earnings to average equity (ytd only) | 12.0508% | 730 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0882% | 6,261 |
| Assets per employee ($millions) | 3.8467% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 5,863 |
| 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 | 53.4878% | 5,383 |
| Net loans and leases to deposits | 69.2881% | 4,473 |
| Net loans and leases to core deposits | 74.0742% | 4,531 |
| Total domestic deposits to total assets | 77.1962% | 6,497 |
| Equity capital to assets | 12.2840% | 1,746 |
| Core capital (leverage) ratio | 10.4209% | 2,684 |
| Tier 1 risk-based capital ratio | 15.1929% | 3,323 |
| Total risk-based capital ratio | 16.0859% | 3,480 |
| Memoranda: | ||
| Average total assets | $57,734,000 | 6,269 |
| Average earning assets | $52,848,500 | 6,242 |
| Average equity | $6,970,500 | 5,937 |
| Average total loans | $33,105,500 | 6,177 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3982% | 2,679 |
| Cost of funding earning assets | 1.2888% | 3,957 |
| Net interest margin | 4.1095% | 2,522 |
| Noninterest income to average assets | 0.3146% | 5,545 |
| Noninterest expense to average assets | 2.2994% | 6,359 |
| Loan and lease loss provision to assets | 0.0209% | 6,909 |
| Net operating income to assets | 1.6424% | 578 |
| Return on assets (ROA) | 1.6424% | 625 |
| Pretax return on assets | 1.7241% | 898 |
| Return on Equity (ROE) | 13.6061% | 964 |
| Retained earnings to average equity (ytd only) | 4.6074% | 2,658 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9089% | 6,607 |
| Assets per employee ($millions) | 3.8511% | 4,131 |
| Cash dividends to net income (ytd only)* | 66.1376% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,300 |
| 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 | 59.9546% | 4,692 |
| Net loans and leases to deposits | 82.7140% | 2,680 |
| Net loans and leases to core deposits | 88.8120% | 2,929 |
| Total domestic deposits to total assets | 72.4843% | 7,042 |
| Equity capital to assets | 11.8632% | 1,995 |
| Core capital (leverage) ratio | 10.3057% | 2,767 |
| Tier 1 risk-based capital ratio | 13.4431% | 4,259 |
| Total risk-based capital ratio | 14.2576% | 4,558 |
| Memoranda: | ||
| Average total assets | $57,537,200 | 6,288 |
| Average earning assets | $52,220,800 | 6,281 |
| Average equity | $6,945,400 | 6,047 |
| Average total loans | $34,028,600 | 6,207 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4765% | 2,530 |
| Cost of funding earning assets | 1.3307% | 4,035 |
| Net interest margin | 4.1459% | 2,422 |
| Noninterest income to average assets | 0.3062% | 5,707 |
| Noninterest expense to average assets | 2.2338% | 6,515 |
| Loan and lease loss provision to assets | 0.0209% | 6,848 |
| Net operating income to assets | 1.7165% | 603 |
| Return on assets (ROA) | 1.7165% | 657 |
| Pretax return on assets | 1.8023% | 922 |
| Return on Equity (ROE) | 14.1586% | 996 |
| Retained earnings to average equity (ytd only) | 4.1137% | 3,576 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1452% | 6,777 |
| Assets per employee ($millions) | 3.7807% | 4,316 |
| Cash dividends to net income (ytd only)* | 70.9458% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 6,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 58.4860% | 5,185 |
| Net loans and leases to deposits | 78.9959% | 3,636 |
| Net loans and leases to core deposits | 85.8785% | 3,675 |
| Total domestic deposits to total assets | 74.0368% | 6,919 |
| Equity capital to assets | 12.4561% | 1,873 |
| Core capital (leverage) ratio | 10.3795% | 2,827 |
| Tier 1 risk-based capital ratio | 14.0251% | 3,814 |
| Total risk-based capital ratio | 14.8838% | 4,049 |
| Memoranda: | ||
| Average total assets | $57,479,750 | 6,374 |
| Average earning assets | $52,002,500 | 6,368 |
| Average equity | $6,968,500 | 6,125 |
| Average total loans | $33,788,250 | 6,302 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5019% | 2,502 |
| Cost of funding earning assets | 1.3688% | 4,070 |
| Net interest margin | 4.1331% | 2,409 |
| Noninterest income to average assets | 0.2944% | 5,788 |
| Noninterest expense to average assets | 2.1720% | 6,717 |
| Loan and lease loss provision to assets | 0.0208% | 6,722 |
| Net operating income to assets | 1.7597% | 517 |
| Return on assets (ROA) | 1.7597% | 568 |
| Pretax return on assets | 1.8463% | 815 |
| Return on Equity (ROE) | 14.6468% | 917 |
| Retained earnings to average equity (ytd only) | 6.7179% | 1,963 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8302% | 6,999 |
| Assets per employee ($millions) | 3.5658% | 4,767 |
| Cash dividends to net income (ytd only)* | 54.1339% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 6,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0263% | 7,338 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 58.6097% | 5,310 |
| Net loans and leases to deposits | 81.9077% | 3,288 |
| Net loans and leases to core deposits | 87.2804% | 3,651 |
| Total domestic deposits to total assets | 71.5558% | 7,218 |
| Equity capital to assets | 12.4150% | 1,857 |
| Core capital (leverage) ratio | 10.2769% | 2,859 |
| Tier 1 risk-based capital ratio | 14.3016% | 3,538 |
| Total risk-based capital ratio | 15.1487% | 3,765 |
| Memoranda: | ||
| Average total assets | $57,736,000 | 6,399 |
| Average earning assets | $52,309,670 | 6,397 |
| Average equity | $6,936,670 | 6,164 |
| Average total loans | $33,877,330 | 6,339 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4193% | 2,945 |
| Cost of funding earning assets | 1.4253% | 4,017 |
| Net interest margin | 3.9939% | 2,891 |
| Noninterest income to average assets | 0.2686% | 6,007 |
| Noninterest expense to average assets | 2.1351% | 6,851 |
| Loan and lease loss provision to assets | 0.0207% | 6,438 |
| Net operating income to assets | 1.6392% | 699 |
| Return on assets (ROA) | 1.6392% | 745 |
| Pretax return on assets | 1.7218% | 1,017 |
| Return on Equity (ROE) | 13.8705% | 1,076 |
| Retained earnings to average equity (ytd only) | 13.8705% | 524 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1741% | 6,955 |
| Assets per employee ($millions) | 3.8285% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 6,298 |
| Loan loss allowance to noncurrent loans | 450.6494% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1602% | 7,078 |
| Noncurrent loans to loans | 0.2299% | 6,877 |
| Net loans and leases to total assets | 57.7063% | 5,495 |
| Net loans and leases to deposits | 80.2728% | 3,609 |
| Net loans and leases to core deposits | 88.4107% | 3,582 |
| Total domestic deposits to total assets | 71.8878% | 7,273 |
| Equity capital to assets | 12.2033% | 1,932 |
| Core capital (leverage) ratio | 10.2246% | 2,904 |
| Tier 1 risk-based capital ratio | 14.1048% | 3,590 |
| Total risk-based capital ratio | 14.9325% | 3,826 |
| Memoranda: | ||
| Average total assets | $58,078,000 | 6,469 |
| Average earning assets | $52,479,500 | 6,460 |
| Average equity | $6,863,500 | 6,237 |
| Average total loans | $33,922,000 | 6,420 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6099% | 3,554 |
| Cost of funding earning assets | 1.7839% | 4,083 |
| Net interest margin | 3.8260% | 3,593 |
| Noninterest income to average assets | 0.3267% | 5,746 |
| Noninterest expense to average assets | 2.2281% | 6,919 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4718% | 712 |
| Return on assets (ROA) | 1.4718% | 777 |
| Pretax return on assets | 1.5446% | 1,087 |
| Return on Equity (ROE) | 12.3901% | 1,076 |
| Retained earnings to average equity (ytd only) | 3.7215% | 2,594 |
| Net charge-offs to loans | 0.0467% | 6,639 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 458 |
| Efficiency ratio | 58.0235% | 6,757 |
| Assets per employee ($millions) | 3.9153% | 3,989 |
| Cash dividends to net income (ytd only)* | 69.9638% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,375 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0255% | 7,459 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 57.9169% | 5,675 |
| Net loans and leases to deposits | 79.2756% | 4,120 |
| Net loans and leases to core deposits | 92.1165% | 4,872 |
| Total domestic deposits to total assets | 73.0576% | 7,145 |
| Equity capital to assets | 11.4407% | 2,362 |
| Core capital (leverage) ratio | 9.6882% | 3,479 |
| Tier 1 risk-based capital ratio | 12.7721% | 4,304 |
| Total risk-based capital ratio | 13.5662% | 4,628 |
| Memoranda: | ||
| Average total assets | $56,326,400 | 6,483 |
| Average earning assets | $50,731,400 | 6,507 |
| Average equity | $6,690,800 | 6,369 |
| Average total loans | $32,125,800 | 6,517 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6373% | 3,656 |
| Cost of funding earning assets | 1.8605% | 4,096 |
| Net interest margin | 3.7768% | 3,756 |
| Noninterest income to average assets | 0.3182% | 5,934 |
| Noninterest expense to average assets | 2.2586% | 6,815 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3949% | 1,043 |
| Return on assets (ROA) | 1.3949% | 1,105 |
| Pretax return on assets | 1.4643% | 1,505 |
| Return on Equity (ROE) | 11.6298% | 1,459 |
| Retained earnings to average equity (ytd only) | 1.8552% | 4,278 |
| Net charge-offs to loans | 0.0042% | 6,921 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 613.5188% | 49 |
| Efficiency ratio | 59.6401% | 6,462 |
| Assets per employee ($millions) | 3.7081% | 4,406 |
| Cash dividends to net income (ytd only)* | 84.0488% | 856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0845% | 5,818 |
| Loan loss allowance to noncurrent loans | 1,234.4828% | 299 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 7,431 |
| Noncurrent loans to loans | 0.0878% | 7,265 |
| Net loans and leases to total assets | 58.7070% | 5,776 |
| Net loans and leases to deposits | 82.0844% | 4,007 |
| Net loans and leases to core deposits | 95.5969% | 4,852 |
| Total domestic deposits to total assets | 71.5203% | 7,278 |
| Equity capital to assets | 11.9863% | 2,243 |
| Core capital (leverage) ratio | 9.7388% | 3,588 |
| Tier 1 risk-based capital ratio | 13.2688% | 4,007 |
| Total risk-based capital ratio | 14.1530% | 4,199 |
| Memoranda: | ||
| Average total assets | $55,725,750 | 6,555 |
| Average earning assets | $50,235,500 | 6,569 |
| Average equity | $6,683,750 | 6,423 |
| Average total loans | $31,567,750 | 6,590 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5951% | 4,104 |
| Cost of funding earning assets | 1.9394% | 4,067 |
| Net interest margin | 3.6557% | 4,136 |
| Noninterest income to average assets | 0.3013% | 6,109 |
| Noninterest expense to average assets | 2.2812% | 6,815 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2518% | 1,351 |
| Return on assets (ROA) | 1.2518% | 1,427 |
| Pretax return on assets | 1.3128% | 1,986 |
| Return on Equity (ROE) | 10.4345% | 1,872 |
| Retained earnings to average equity (ytd only) | 2.6610% | 3,848 |
| Net charge-offs to loans | 0.0064% | 6,510 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 366.0000% | 104 |
| Efficiency ratio | 62.3752% | 6,189 |
| Assets per employee ($millions) | 3.5957% | 4,578 |
| Cash dividends to net income (ytd only)* | 74.4986% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 5,366 |
| Loan loss allowance to noncurrent loans | 243.5374% | 1,266 |
| Noncurrent assets plus other real estate owned to assets | 0.2725% | 6,793 |
| Noncurrent loans to loans | 0.4659% | 6,363 |
| Net loans and leases to total assets | 57.8352% | 5,989 |
| Net loans and leases to deposits | 78.7489% | 4,745 |
| Net loans and leases to core deposits | 86.3454% | 5,866 |
| Total domestic deposits to total assets | 73.4426% | 7,046 |
| Equity capital to assets | 12.2886% | 2,031 |
| Core capital (leverage) ratio | 9.6975% | 3,633 |
| Tier 1 risk-based capital ratio | 13.4712% | 3,830 |
| Total risk-based capital ratio | 14.3704% | 3,977 |
| Memoranda: | ||
| Average total assets | $55,760,330 | 6,603 |
| Average earning assets | $50,222,670 | 6,623 |
| Average equity | $6,689,330 | 6,472 |
| Average total loans | $31,086,330 | 6,668 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6561% | 4,017 |
| Cost of funding earning assets | 1.9930% | 4,168 |
| Net interest margin | 3.6631% | 4,048 |
| Noninterest income to average assets | 0.2964% | 6,066 |
| Noninterest expense to average assets | 2.1174% | 7,076 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3904% | 1,158 |
| Return on assets (ROA) | 1.3904% | 1,250 |
| Pretax return on assets | 1.4610% | 1,776 |
| Return on Equity (ROE) | 11.7262% | 1,751 |
| Retained earnings to average equity (ytd only) | 11.7262% | 843 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1854% | 6,674 |
| Assets per employee ($millions) | 3.7767% | 4,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 5,071 |
| Loan loss allowance to noncurrent loans | 296.6942% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2136% | 6,881 |
| Noncurrent loans to loans | 0.3899% | 6,446 |
| Net loans and leases to total assets | 54.1447% | 6,448 |
| Net loans and leases to deposits | 73.4911% | 5,542 |
| Net loans and leases to core deposits | 86.8850% | 5,841 |
| Total domestic deposits to total assets | 73.6752% | 6,940 |
| Equity capital to assets | 11.9806% | 2,273 |
| Core capital (leverage) ratio | 9.8323% | 3,597 |
| Tier 1 risk-based capital ratio | 13.7041% | 3,741 |
| Total risk-based capital ratio | 14.6041% | 3,871 |
| Memoranda: | ||
| Average total assets | $56,672,500 | 6,597 |
| Average earning assets | $50,777,000 | 6,629 |
| Average equity | $6,720,000 | 6,510 |
| Average total loans | $30,853,500 | 6,712 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0536% | 5,279 |
| Cost of funding earning assets | 2.3414% | 4,963 |
| Net interest margin | 3.7121% | 4,421 |
| Noninterest income to average assets | 0.3476% | 5,956 |
| Noninterest expense to average assets | 2.1457% | 7,126 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4587% | 1,107 |
| Return on assets (ROA) | 1.4414% | 1,096 |
| Pretax return on assets | 1.5105% | 1,654 |
| Return on Equity (ROE) | 12.2829% | 1,523 |
| Retained earnings to average equity (ytd only) | 2.7450% | 3,470 |
| Net charge-offs to loans | -0.0401% | 8,007 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3056% | 6,819 |
| Assets per employee ($millions) | 3.7797% | 4,003 |
| Cash dividends to net income (ytd only)* | 77.6515% | 1,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 4,752 |
| Loan loss allowance to noncurrent loans | 1,241.3793% | 426 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 7,375 |
| Noncurrent loans to loans | 0.0945% | 7,136 |
| Net loans and leases to total assets | 53.4703% | 6,709 |
| Net loans and leases to deposits | 72.4200% | 6,005 |
| Net loans and leases to core deposits | 82.7329% | 6,397 |
| Total domestic deposits to total assets | 73.8337% | 6,680 |
| Equity capital to assets | 11.7347% | 2,479 |
| Core capital (leverage) ratio | 9.7485% | 3,714 |
| Tier 1 risk-based capital ratio | 13.3535% | 3,895 |
| Total risk-based capital ratio | 14.2669% | 4,014 |
| Memoranda: | ||
| Average total assets | $54,947,000 | 6,578 |
| Average earning assets | $49,243,800 | 6,626 |
| Average equity | $6,448,000 | 6,655 |
| Average total loans | $29,910,000 | 6,714 |