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 | 3.9072% | 4,075 |
| Cost of funding earning assets | 0.7225% | 3,891 |
| Net interest margin | 3.1847% | 2,915 |
| Noninterest income to average assets | 0.1700% | 3,940 |
| Noninterest expense to average assets | 2.2594% | 2,955 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 0.8910% | 2,579 |
| Return on assets (ROA) | 0.8910% | 2,551 |
| Pretax return on assets | 0.9573% | 2,788 |
| Return on Equity (ROE) | 15.8400% | 1,128 |
| Retained earnings to average equity (ytd only) | 8.1097% | 1,503 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 69.7768% | 1,908 |
| Assets per employee ($millions) | 6.5512% | 2,387 |
| Cash dividends to net income (ytd only)* | 48.8032% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 2,547 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 46.7200% | 3,784 |
| Net loans and leases to deposits | 52.1139% | 3,876 |
| Net loans and leases to core deposits | 55.7595% | 3,922 |
| Total domestic deposits to total assets | 89.6500% | 858 |
| Equity capital to assets | 6.5179% | 4,105 |
| Core capital (leverage) ratio | 9.2800% | 3,447 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $84,402,200 | 3,977 |
| Average earning assets | $81,388,800 | 3,915 |
| Average equity | $4,747,400 | 4,282 |
| Average total loans | $39,711,000 | 3,999 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 4,142 |
| Cost of funding earning assets | 0.6302% | 3,918 |
| Net interest margin | 3.1362% | 3,068 |
| Noninterest income to average assets | 0.1900% | 3,850 |
| Noninterest expense to average assets | 2.2340% | 2,981 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.8866% | 2,730 |
| Return on assets (ROA) | 0.8866% | 2,717 |
| Pretax return on assets | 0.9531% | 2,972 |
| Return on Equity (ROE) | 16.4200% | 1,184 |
| Retained earnings to average equity (ytd only) | 6.7743% | 2,364 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.4732% | 1,848 |
| Assets per employee ($millions) | 7.0385% | 1,933 |
| Cash dividends to net income (ytd only)* | 58.7500% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1611% | 2,567 |
| Loan loss allowance to noncurrent loans | 96.2578% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 0.5695% | 1,030 |
| Noncurrent loans to loans | 1.2062% | 647 |
| Net loans and leases to total assets | 46.6600% | 3,802 |
| Net loans and leases to deposits | 51.0399% | 3,900 |
| Net loans and leases to core deposits | 54.1126% | 3,923 |
| Total domestic deposits to total assets | 91.4300% | 573 |
| Equity capital to assets | 4.7489% | 4,294 |
| Core capital (leverage) ratio | 9.1314% | 3,649 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $84,211,500 | 3,994 |
| Average earning assets | $81,241,750 | 3,938 |
| Average equity | $4,546,500 | 4,313 |
| Average total loans | $39,575,500 | 4,014 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6502% | 4,197 |
| Cost of funding earning assets | 0.5197% | 3,942 |
| Net interest margin | 3.1305% | 3,149 |
| Noninterest income to average assets | 0.1800% | 3,893 |
| Noninterest expense to average assets | 2.2157% | 3,028 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.8939% | 2,773 |
| Return on assets (ROA) | 0.8939% | 2,759 |
| Pretax return on assets | 0.9604% | 3,016 |
| Return on Equity (ROE) | 15.9200% | 1,280 |
| Retained earnings to average equity (ytd only) | 3.3016% | 3,402 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 69.1395% | 1,850 |
| Assets per employee ($millions) | 7.0768% | 1,868 |
| Cash dividends to net income (ytd only)* | 79.2553% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 2,532 |
| Loan loss allowance to noncurrent loans | 95.0104% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5664% | 956 |
| Noncurrent loans to loans | 1.2442% | 569 |
| Net loans and leases to total assets | 44.9900% | 3,841 |
| Net loans and leases to deposits | 49.6240% | 3,929 |
| Net loans and leases to core deposits | 52.3142% | 3,941 |
| Total domestic deposits to total assets | 90.6500% | 745 |
| Equity capital to assets | 5.6028% | 4,268 |
| Core capital (leverage) ratio | 9.0416% | 3,716 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $84,128,000 | 4,008 |
| Average earning assets | $81,200,333 | 3,950 |
| Average equity | $4,725,000 | 4,321 |
| Average total loans | $39,475,000 | 4,026 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6169% | 4,138 |
| Cost of funding earning assets | 0.3414% | 4,104 |
| Net interest margin | 3.2755% | 2,934 |
| Noninterest income to average assets | 0.1800% | 3,901 |
| Noninterest expense to average assets | 2.2357% | 2,997 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.0128% | 2,493 |
| Return on assets (ROA) | 1.0128% | 2,459 |
| Pretax return on assets | 1.0796% | 2,767 |
| Return on Equity (ROE) | 18.0100% | 1,027 |
| Retained earnings to average equity (ytd only) | -4.9273% | 4,327 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.8571% | 2,106 |
| Assets per employee ($millions) | 7.0268% | 1,961 |
| Cash dividends to net income (ytd only)* | 127.3585% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 2,991 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 47.5500% | 3,661 |
| Net loans and leases to deposits | 52.5057% | 3,767 |
| Net loans and leases to core deposits | 55.3543% | 3,778 |
| Total domestic deposits to total assets | 90.5700% | 955 |
| Equity capital to assets | 5.7447% | 4,277 |
| Core capital (leverage) ratio | 8.9614% | 3,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.7986% | 1,025 |
| Memoranda: | ||
| Average total assets | $83,731,000 | 4,068 |
| Average earning assets | $80,843,500 | 4,010 |
| Average equity | $4,708,500 | 4,374 |
| Average total loans | $39,882,500 | 4,067 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2569% | 3,695 |
| Cost of funding earning assets | 0.2457% | 3,357 |
| Net interest margin | 3.0112% | 3,422 |
| Noninterest income to average assets | 0.1900% | 4,004 |
| Noninterest expense to average assets | 2.1625% | 3,118 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8835% | 3,029 |
| Return on assets (ROA) | 0.8835% | 2,969 |
| Pretax return on assets | 0.9237% | 3,289 |
| Return on Equity (ROE) | 14.2200% | 1,485 |
| Retained earnings to average equity (ytd only) | 5.8372% | 2,704 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.0710% | 1,677 |
| Assets per employee ($millions) | 6.9284% | 2,021 |
| Cash dividends to net income (ytd only)* | 58.9532% | 998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1347% | 2,721 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 46.6300% | 3,762 |
| Net loans and leases to deposits | 49.3967% | 3,925 |
| Net loans and leases to core deposits | 52.2414% | 3,905 |
| Total domestic deposits to total assets | 94.4100% | 198 |
| Equity capital to assets | 5.5003% | 4,240 |
| Core capital (leverage) ratio | 9.0172% | 3,670 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3214% | 926 |
| Memoranda: | ||
| Average total assets | $82,172,800 | 4,098 |
| Average earning assets | $78,972,000 | 4,047 |
| Average equity | $5,105,200 | 4,416 |
| Average total loans | $37,157,000 | 4,117 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0829% | 3,717 |
| Cost of funding earning assets | 0.2270% | 2,964 |
| Net interest margin | 2.8559% | 3,606 |
| Noninterest income to average assets | 0.2000% | 3,989 |
| Noninterest expense to average assets | 2.1481% | 3,081 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7551% | 3,404 |
| Return on assets (ROA) | 0.7551% | 3,354 |
| Pretax return on assets | 0.7958% | 3,586 |
| Return on Equity (ROE) | 11.8100% | 2,098 |
| Retained earnings to average equity (ytd only) | 2.4435% | 3,930 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 72.9685% | 1,385 |
| Assets per employee ($millions) | 6.8822% | 2,035 |
| Cash dividends to net income (ytd only)* | 79.3103% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2074% | 2,486 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 44.0900% | 3,873 |
| Net loans and leases to deposits | 46.1173% | 4,021 |
| Net loans and leases to core deposits | 48.7554% | 4,010 |
| Total domestic deposits to total assets | 95.6000% | 165 |
| Equity capital to assets | 4.2610% | 4,445 |
| Core capital (leverage) ratio | 8.6882% | 3,892 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2504% | 956 |
| Memoranda: | ||
| Average total assets | $81,930,750 | 4,128 |
| Average earning assets | $78,712,250 | 4,079 |
| Average equity | $5,238,250 | 4,446 |
| Average total loans | $36,642,000 | 4,146 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9314% | 3,720 |
| Cost of funding earning assets | 0.2190% | 2,653 |
| Net interest margin | 2.7123% | 3,677 |
| Noninterest income to average assets | 0.2032% | 3,983 |
| Noninterest expense to average assets | 2.1319% | 3,059 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.6388% | 3,510 |
| Return on assets (ROA) | 0.6388% | 3,460 |
| Pretax return on assets | 0.6780% | 3,632 |
| Return on Equity (ROE) | 8.9824% | 2,711 |
| Retained earnings to average equity (ytd only) | -2.8221% | 4,444 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8711% | 1,300 |
| Assets per employee ($millions) | 6.8818% | 2,018 |
| Cash dividends to net income (ytd only)* | 131.4176% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 43.7383% | 3,856 |
| Net loans and leases to deposits | 46.3916% | 4,010 |
| Net loans and leases to core deposits | 48.4741% | 4,006 |
| Total domestic deposits to total assets | 94.2808% | 235 |
| Equity capital to assets | 5.6187% | 4,325 |
| Core capital (leverage) ratio | 8.6866% | 3,770 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,712,333 | 4,181 |
| Average earning assets | $78,530,333 | 4,135 |
| Average equity | $5,811,333 | 4,435 |
| Average total loans | $36,570,667 | 4,202 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8644% | 3,622 |
| Cost of funding earning assets | 0.2050% | 2,726 |
| Net interest margin | 2.6594% | 3,504 |
| Noninterest income to average assets | 0.1624% | 4,186 |
| Noninterest expense to average assets | 2.1556% | 2,957 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5217% | 3,648 |
| Return on assets (ROA) | 0.5217% | 3,614 |
| Pretax return on assets | 0.5610% | 3,727 |
| Return on Equity (ROE) | 6.6281% | 3,147 |
| Retained earnings to average equity (ytd only) | -12.1307% | 4,599 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3478% | 1,198 |
| Assets per employee ($millions) | 6.8458% | 2,105 |
| Cash dividends to net income (ytd only)* | 283.0189% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2427% | 2,638 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 43.0481% | 3,816 |
| Net loans and leases to deposits | 46.1557% | 3,966 |
| Net loans and leases to core deposits | 48.2442% | 3,972 |
| Total domestic deposits to total assets | 93.2672% | 211 |
| Equity capital to assets | 6.6245% | 4,375 |
| Core capital (leverage) ratio | 8.5753% | 3,788 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,277,500 | 4,207 |
| Average earning assets | $78,062,500 | 4,162 |
| Average equity | $6,397,000 | 4,422 |
| Average total loans | $36,573,500 | 4,218 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3457% | 3,064 |
| Cost of funding earning assets | 0.2150% | 3,315 |
| Net interest margin | 3.1307% | 2,803 |
| Noninterest income to average assets | 0.2021% | 4,156 |
| Noninterest expense to average assets | 2.2253% | 2,999 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9378% | 2,911 |
| Return on assets (ROA) | 0.9767% | 2,834 |
| Pretax return on assets | 0.9767% | 3,326 |
| Return on Equity (ROE) | 10.3361% | 2,399 |
| Retained earnings to average equity (ytd only) | 3.7835% | 3,301 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3522% | 1,699 |
| Assets per employee ($millions) | 6.1850% | 2,585 |
| Cash dividends to net income (ytd only)* | 63.3952% | 969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 2,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 45.8840% | 3,701 |
| Net loans and leases to deposits | 50.5668% | 3,847 |
| Net loans and leases to core deposits | 52.3335% | 3,870 |
| Total domestic deposits to total assets | 90.7394% | 609 |
| Equity capital to assets | 9.1437% | 3,465 |
| Core capital (leverage) ratio | 8.8523% | 3,570 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $77,202,200 | 4,254 |
| Average earning assets | $73,018,400 | 4,213 |
| Average equity | $7,294,800 | 4,397 |
| Average total loans | $36,802,800 | 4,251 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4479% | 2,966 |
| Cost of funding earning assets | 0.2185% | 3,437 |
| Net interest margin | 3.2294% | 2,637 |
| Noninterest income to average assets | 0.2059% | 4,170 |
| Noninterest expense to average assets | 2.3385% | 2,636 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9110% | 3,213 |
| Return on assets (ROA) | 0.9633% | 3,123 |
| Pretax return on assets | 0.9633% | 3,556 |
| Return on Equity (ROE) | 10.1089% | 2,695 |
| Retained earnings to average equity (ytd only) | 2.3258% | 4,104 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9656% | 1,406 |
| Assets per employee ($millions) | 6.1084% | 2,580 |
| Cash dividends to net income (ytd only)* | 76.9928% | 437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1977% | 3,000 |
| 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 | 46.2290% | 3,772 |
| Net loans and leases to deposits | 51.0648% | 3,948 |
| Net loans and leases to core deposits | 52.8764% | 3,989 |
| Total domestic deposits to total assets | 90.5300% | 541 |
| Equity capital to assets | 9.2080% | 3,645 |
| Core capital (leverage) ratio | 8.8587% | 3,701 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $76,401,500 | 4,320 |
| Average earning assets | $72,004,250 | 4,287 |
| Average equity | $7,280,500 | 4,457 |
| Average total loans | $36,669,000 | 4,308 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6110% | 2,588 |
| Cost of funding earning assets | 0.2197% | 3,562 |
| Net interest margin | 3.3913% | 2,167 |
| Noninterest income to average assets | 0.2175% | 4,103 |
| Noninterest expense to average assets | 2.3528% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.0584% | 2,684 |
| Return on assets (ROA) | 1.0849% | 2,667 |
| Pretax return on assets | 1.0849% | 3,265 |
| Return on Equity (ROE) | 11.2517% | 2,320 |
| Retained earnings to average equity (ytd only) | 0.1376% | 4,490 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9736% | 1,764 |
| Assets per employee ($millions) | 6.0515% | 2,563 |
| Cash dividends to net income (ytd only)* | 98.7775% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2073% | 2,893 |
| 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 | 46.2889% | 3,884 |
| Net loans and leases to deposits | 51.1159% | 4,039 |
| Net loans and leases to core deposits | 53.3311% | 4,053 |
| Total domestic deposits to total assets | 90.5566% | 534 |
| Equity capital to assets | 9.1980% | 3,601 |
| Core capital (leverage) ratio | 9.0397% | 3,412 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $75,399,000 | 4,354 |
| Average earning assets | $71,005,667 | 4,329 |
| Average equity | $7,270,000 | 4,484 |
| Average total loans | $36,507,000 | 4,345 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8624% | 1,928 |
| Cost of funding earning assets | 0.2252% | 3,676 |
| Net interest margin | 3.6373% | 1,481 |
| Noninterest income to average assets | 0.1681% | 4,359 |
| Noninterest expense to average assets | 2.3806% | 2,556 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.2038% | 2,129 |
| Return on assets (ROA) | 1.2526% | 2,049 |
| Pretax return on assets | 1.2526% | 2,694 |
| Return on Equity (ROE) | 12.6801% | 1,758 |
| Retained earnings to average equity (ytd only) | -3.7876% | 4,636 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4145% | 2,169 |
| Assets per employee ($millions) | 5.7098% | 2,898 |
| Cash dividends to net income (ytd only)* | 129.8701% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 2,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.6528% | 3,747 |
| Net loans and leases to deposits | 53.9595% | 3,938 |
| Net loans and leases to core deposits | 55.9959% | 3,975 |
| Total domestic deposits to total assets | 90.1654% | 742 |
| Equity capital to assets | 9.5799% | 3,127 |
| Core capital (leverage) ratio | 9.2470% | 3,322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $73,764,000 | 4,391 |
| Average earning assets | $69,282,500 | 4,366 |
| Average equity | $7,287,000 | 4,501 |
| Average total loans | $36,330,500 | 4,372 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9491% | 2,884 |
| Cost of funding earning assets | 0.3286% | 3,985 |
| Net interest margin | 3.6205% | 2,072 |
| Noninterest income to average assets | 0.3375% | 3,443 |
| Noninterest expense to average assets | 2.5906% | 2,586 |
| Loan and lease loss provision to assets | 0.0707% | 3,498 |
| Net operating income to assets | 0.9888% | 2,337 |
| Return on assets (ROA) | 0.9313% | 2,703 |
| Pretax return on assets | 0.9313% | 3,280 |
| Return on Equity (ROE) | 8.8012% | 2,470 |
| Retained earnings to average equity (ytd only) | 2.7991% | 3,466 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9730% | 1,816 |
| Assets per employee ($millions) | 5.6385% | 2,701 |
| Cash dividends to net income (ytd only)* | 68.1962% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 48.6453% | 3,929 |
| Net loans and leases to deposits | 54.3047% | 4,098 |
| Net loans and leases to core deposits | 56.8493% | 4,113 |
| Total domestic deposits to total assets | 89.5784% | 738 |
| Equity capital to assets | 10.1814% | 2,952 |
| Core capital (leverage) ratio | 9.5784% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $67,859,800 | 4,413 |
| Average earning assets | $62,090,800 | 4,414 |
| Average equity | $7,180,800 | 4,507 |
| Average total loans | $35,595,000 | 4,395 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 2,713 |
| Cost of funding earning assets | 0.3498% | 4,055 |
| Net interest margin | 3.7361% | 1,811 |
| Noninterest income to average assets | 0.2486% | 3,988 |
| Noninterest expense to average assets | 2.6205% | 2,480 |
| Loan and lease loss provision to assets | 0.0662% | 3,510 |
| Net operating income to assets | 0.9664% | 2,465 |
| Return on assets (ROA) | 0.8782% | 2,913 |
| Pretax return on assets | 0.8782% | 3,441 |
| Return on Equity (ROE) | 8.2133% | 2,725 |
| Retained earnings to average equity (ytd only) | 0.8813% | 4,288 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7344% | 1,673 |
| Assets per employee ($millions) | 5.4615% | 2,745 |
| Cash dividends to net income (ytd only)* | 89.2694% | 445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 3,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4014% | 2,573 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 53.0022% | 3,890 |
| Net loans and leases to deposits | 59.3034% | 4,108 |
| Net loans and leases to core deposits | 62.1805% | 4,094 |
| Total domestic deposits to total assets | 89.3745% | 629 |
| Equity capital to assets | 10.3185% | 2,944 |
| Core capital (leverage) ratio | 9.6029% | 3,162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,499,750 | 4,446 |
| Average earning assets | $60,596,250 | 4,452 |
| Average equity | $7,110,250 | 4,532 |
| Average total loans | $35,468,250 | 4,426 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2141% | 2,712 |
| Cost of funding earning assets | 0.3639% | 4,206 |
| Net interest margin | 3.8502% | 1,690 |
| Noninterest income to average assets | 0.2554% | 3,943 |
| Noninterest expense to average assets | 2.6769% | 2,451 |
| Loan and lease loss provision to assets | 0.0554% | 3,608 |
| Net operating income to assets | 1.1046% | 1,950 |
| Return on assets (ROA) | 0.9692% | 2,558 |
| Pretax return on assets | 0.9692% | 3,115 |
| Return on Equity (ROE) | 8.9510% | 2,380 |
| Retained earnings to average equity (ytd only) | -1.4492% | 4,533 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7674% | 1,989 |
| Assets per employee ($millions) | 5.3212% | 2,816 |
| Cash dividends to net income (ytd only)* | 116.1905% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 2,767 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4192% | 2,623 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 51.4470% | 4,066 |
| Net loans and leases to deposits | 57.6499% | 4,237 |
| Net loans and leases to core deposits | 61.0352% | 4,208 |
| Total domestic deposits to total assets | 89.2405% | 663 |
| Equity capital to assets | 10.4733% | 2,765 |
| Core capital (leverage) ratio | 10.0163% | 2,826 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $65,000,000 | 4,470 |
| Average earning assets | $60,464,333 | 4,463 |
| Average equity | $7,038,333 | 4,560 |
| Average total loans | $34,604,000 | 4,462 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1018% | 3,521 |
| Cost of funding earning assets | 0.4027% | 4,352 |
| Net interest margin | 3.6991% | 2,320 |
| Noninterest income to average assets | 0.2607% | 3,982 |
| Noninterest expense to average assets | 2.7531% | 2,568 |
| Loan and lease loss provision to assets | 0.0191% | 3,555 |
| Net operating income to assets | 0.9346% | 2,401 |
| Return on assets (ROA) | 0.9601% | 2,421 |
| Pretax return on assets | 0.9601% | 2,962 |
| Return on Equity (ROE) | 8.7094% | 2,231 |
| Retained earnings to average equity (ytd only) | -10.0937% | 4,767 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2710% | 1,775 |
| Assets per employee ($millions) | 4.8245% | 2,846 |
| Cash dividends to net income (ytd only)* | 215.8940% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1644% | 2,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0475% | 1,249 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 54.1344% | 3,979 |
| Net loans and leases to deposits | 61.0933% | 4,156 |
| Net loans and leases to core deposits | 65.0746% | 4,122 |
| Total domestic deposits to total assets | 88.6093% | 833 |
| Equity capital to assets | 11.0798% | 2,794 |
| Core capital (leverage) ratio | 10.4123% | 3,034 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $62,912,000 | 4,512 |
| Average earning assets | $58,609,000 | 4,504 |
| Average equity | $6,935,000 | 4,608 |
| Average total loans | $33,904,000 | 4,502 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9912% | 4,280 |
| Cost of funding earning assets | 0.4074% | 4,419 |
| Net interest margin | 3.5838% | 3,190 |
| Noninterest income to average assets | 0.4055% | 3,263 |
| Noninterest expense to average assets | 2.7257% | 2,817 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.0057% | 2,828 |
| Return on assets (ROA) | 0.9703% | 3,031 |
| Pretax return on assets | 0.9703% | 3,539 |
| Return on Equity (ROE) | 9.1980% | 2,660 |
| Retained earnings to average equity (ytd only) | 3.6914% | 3,150 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0487% | 1,728 |
| Assets per employee ($millions) | 4.8543% | 2,767 |
| Cash dividends to net income (ytd only)* | 59.8673% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 2,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0411% | 1,198 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 52.3865% | 4,191 |
| Net loans and leases to deposits | 59.0318% | 4,332 |
| Net loans and leases to core deposits | 62.8319% | 4,329 |
| Total domestic deposits to total assets | 88.7428% | 772 |
| Equity capital to assets | 10.9673% | 3,032 |
| Core capital (leverage) ratio | 10.6786% | 2,780 |
| Tier 1 risk-based capital ratio | 17.2882% | 1,969 |
| Total risk-based capital ratio | 18.3157% | 1,973 |
| Memoranda: | ||
| Average total assets | $62,148,400 | 4,561 |
| Average earning assets | $57,676,200 | 4,564 |
| Average equity | $6,555,800 | 4,689 |
| Average total loans | $31,842,000 | 4,603 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9986% | 4,363 |
| Cost of funding earning assets | 0.4092% | 4,472 |
| Net interest margin | 3.5894% | 3,281 |
| Noninterest income to average assets | 0.4006% | 3,317 |
| Noninterest expense to average assets | 2.7610% | 2,684 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9648% | 3,101 |
| Return on assets (ROA) | 0.9713% | 3,158 |
| Pretax return on assets | 0.9713% | 3,680 |
| Return on Equity (ROE) | 9.3019% | 2,758 |
| Retained earnings to average equity (ytd only) | 3.3206% | 3,747 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1040% | 1,551 |
| Assets per employee ($millions) | 4.8244% | 2,764 |
| Cash dividends to net income (ytd only)* | 64.3019% | 1,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2259% | 2,367 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0874% | 1,205 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 51.0037% | 4,372 |
| Net loans and leases to deposits | 57.4910% | 4,490 |
| Net loans and leases to core deposits | 61.2140% | 4,492 |
| Total domestic deposits to total assets | 88.7160% | 734 |
| Equity capital to assets | 10.9109% | 3,183 |
| Core capital (leverage) ratio | 10.5752% | 3,034 |
| Tier 1 risk-based capital ratio | 17.4460% | 1,958 |
| Total risk-based capital ratio | 18.4954% | 1,970 |
| Memoranda: | ||
| Average total assets | $61,909,000 | 4,624 |
| Average earning assets | $57,352,500 | 4,626 |
| Average equity | $6,464,500 | 4,760 |
| Average total loans | $31,438,500 | 4,675 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9653% | 4,447 |
| Cost of funding earning assets | 0.4063% | 4,484 |
| Net interest margin | 3.5589% | 3,409 |
| Noninterest income to average assets | 0.3764% | 3,426 |
| Noninterest expense to average assets | 2.7839% | 2,646 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8890% | 3,327 |
| Return on assets (ROA) | 0.8988% | 3,358 |
| Pretax return on assets | 0.8988% | 3,846 |
| Return on Equity (ROE) | 8.7405% | 2,957 |
| Retained earnings to average equity (ytd only) | 0.4102% | 4,587 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7951% | 1,419 |
| Assets per employee ($millions) | 4.8050% | 2,734 |
| Cash dividends to net income (ytd only)* | 95.3069% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2302% | 2,361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1446% | 1,176 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 51.0270% | 4,408 |
| Net loans and leases to deposits | 57.2861% | 4,549 |
| Net loans and leases to core deposits | 60.9865% | 4,540 |
| Total domestic deposits to total assets | 89.0739% | 637 |
| Equity capital to assets | 10.6043% | 3,435 |
| Core capital (leverage) ratio | 10.5568% | 3,028 |
| Tier 1 risk-based capital ratio | 17.5722% | 1,918 |
| Total risk-based capital ratio | 18.6535% | 1,921 |
| Memoranda: | ||
| Average total assets | $61,639,670 | 4,664 |
| Average earning assets | $57,095,670 | 4,668 |
| Average equity | $6,338,330 | 4,809 |
| Average total loans | $31,123,000 | 4,715 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9533% | 4,467 |
| Cost of funding earning assets | 0.4024% | 4,473 |
| Net interest margin | 3.5509% | 3,429 |
| Noninterest income to average assets | 0.2940% | 3,912 |
| Noninterest expense to average assets | 2.8158% | 2,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7644% | 3,734 |
| Return on assets (ROA) | 0.7644% | 3,778 |
| Pretax return on assets | 0.7644% | 4,136 |
| Return on Equity (ROE) | 7.5539% | 3,433 |
| Retained earnings to average equity (ytd only) | -8.5869% | 5,054 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6496% | 1,199 |
| Assets per employee ($millions) | 4.6744% | 2,950 |
| Cash dividends to net income (ytd only)* | 213.6752% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 2,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2062% | 1,108 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 50.4353% | 4,436 |
| Net loans and leases to deposits | 56.4794% | 4,573 |
| Net loans and leases to core deposits | 60.1909% | 4,558 |
| Total domestic deposits to total assets | 89.2985% | 728 |
| Equity capital to assets | 10.3148% | 3,512 |
| Core capital (leverage) ratio | 10.3855% | 3,179 |
| Tier 1 risk-based capital ratio | 17.6678% | 1,889 |
| Total risk-based capital ratio | 18.7801% | 1,881 |
| Memoranda: | ||
| Average total assets | $61,227,000 | 4,722 |
| Average earning assets | $56,662,000 | 4,728 |
| Average equity | $6,195,500 | 4,865 |
| Average total loans | $30,549,000 | 4,776 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8373% | 4,409 |
| Cost of funding earning assets | 0.3466% | 4,304 |
| Net interest margin | 3.4907% | 3,737 |
| Noninterest income to average assets | 0.4685% | 3,003 |
| Noninterest expense to average assets | 2.7746% | 2,772 |
| Loan and lease loss provision to assets | 0.0198% | 3,767 |
| Net operating income to assets | 0.9139% | 3,390 |
| Return on assets (ROA) | 0.9139% | 3,378 |
| Pretax return on assets | 0.9139% | 3,856 |
| Return on Equity (ROE) | 9.3676% | 2,801 |
| Retained earnings to average equity (ytd only) | 3.5002% | 3,659 |
| Net charge-offs to loans | -0.0228% | 4,730 |
| Credit loss provision to net charge-offs | -171.4286% | 4,455 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8221% | 1,521 |
| Assets per employee ($millions) | 4.7452% | 2,819 |
| Cash dividends to net income (ytd only)* | 62.6354% | 1,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 1,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1883% | 1,103 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 48.0750% | 4,631 |
| Net loans and leases to deposits | 53.5636% | 4,768 |
| Net loans and leases to core deposits | 57.2830% | 4,730 |
| Total domestic deposits to total assets | 89.7531% | 555 |
| Equity capital to assets | 9.9259% | 3,744 |
| Core capital (leverage) ratio | 10.6700% | 2,867 |
| Tier 1 risk-based capital ratio | 18.2558% | 1,673 |
| Total risk-based capital ratio | 19.3814% | 1,675 |
| Memoranda: | ||
| Average total assets | $60,620,600 | 4,753 |
| Average earning assets | $56,263,600 | 4,743 |
| Average equity | $5,914,000 | 4,912 |
| Average total loans | $30,701,000 | 4,800 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8482% | 4,324 |
| Cost of funding earning assets | 0.3423% | 4,235 |
| Net interest margin | 3.5060% | 3,678 |
| Noninterest income to average assets | 0.5037% | 2,849 |
| Noninterest expense to average assets | 2.7923% | 2,662 |
| Loan and lease loss provision to assets | 0.0199% | 3,610 |
| Net operating income to assets | 0.9499% | 3,305 |
| Return on assets (ROA) | 0.9499% | 3,318 |
| Pretax return on assets | 0.9499% | 3,879 |
| Return on Equity (ROE) | 9.7807% | 2,714 |
| Retained earnings to average equity (ytd only) | 2.9570% | 4,255 |
| Net charge-offs to loans | -0.0043% | 4,200 |
| Credit loss provision to net charge-offs | -900.0000% | 4,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2220% | 1,556 |
| Assets per employee ($millions) | 4.6771% | 2,874 |
| Cash dividends to net income (ytd only)* | 69.7673% | 865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 2,164 |
| Loan loss allowance to noncurrent loans | 38,800.0000% | 26 |
| Noncurrent assets plus other real estate owned to assets | 1.3618% | 989 |
| Noncurrent loans to loans | 0.0033% | 4,931 |
| Net loans and leases to total assets | 48.9704% | 4,666 |
| Net loans and leases to deposits | 54.4721% | 4,806 |
| Net loans and leases to core deposits | 57.5729% | 4,805 |
| Total domestic deposits to total assets | 89.9000% | 541 |
| Equity capital to assets | 9.6642% | 3,944 |
| Core capital (leverage) ratio | 10.4112% | 3,174 |
| Tier 1 risk-based capital ratio | 17.8512% | 1,830 |
| Total risk-based capital ratio | 18.9399% | 1,831 |
| Memoranda: | ||
| Average total assets | $60,354,000 | 4,808 |
| Average earning assets | $56,093,500 | 4,803 |
| Average equity | $5,861,750 | 4,970 |
| Average total loans | $30,863,000 | 4,850 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8276% | 4,279 |
| Cost of funding earning assets | 0.3434% | 4,115 |
| Net interest margin | 3.4842% | 3,692 |
| Noninterest income to average assets | 0.4285% | 3,304 |
| Noninterest expense to average assets | 2.7573% | 2,819 |
| Loan and lease loss provision to assets | 0.0199% | 3,505 |
| Net operating income to assets | 0.8870% | 3,512 |
| Return on assets (ROA) | 0.8870% | 3,517 |
| Pretax return on assets | 0.8870% | 3,999 |
| Return on Equity (ROE) | 9.1173% | 2,965 |
| Retained earnings to average equity (ytd only) | -0.5805% | 5,038 |
| Net charge-offs to loans | -0.0064% | 4,170 |
| Credit loss provision to net charge-offs | -600.0000% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2493% | 1,523 |
| Assets per employee ($millions) | 4.7122% | 2,803 |
| Cash dividends to net income (ytd only)* | 106.3670% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 2,466 |
| Loan loss allowance to noncurrent loans | 19,250.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 1.3908% | 1,000 |
| Noncurrent loans to loans | 0.0065% | 4,930 |
| Net loans and leases to total assets | 49.9053% | 4,613 |
| Net loans and leases to deposits | 55.4114% | 4,782 |
| Net loans and leases to core deposits | 58.5326% | 4,767 |
| Total domestic deposits to total assets | 90.0633% | 550 |
| Equity capital to assets | 9.5465% | 4,056 |
| Core capital (leverage) ratio | 10.4306% | 3,100 |
| Tier 1 risk-based capital ratio | 17.0915% | 2,068 |
| Total risk-based capital ratio | 18.1501% | 2,078 |
| Memoranda: | ||
| Average total assets | $60,204,670 | 4,869 |
| Average earning assets | $55,909,670 | 4,859 |
| Average equity | $5,857,000 | 5,024 |
| Average total loans | $31,096,330 | 4,898 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8212% | 4,160 |
| Cost of funding earning assets | 0.3448% | 4,027 |
| Net interest margin | 3.4764% | 3,625 |
| Noninterest income to average assets | 0.2815% | 4,289 |
| Noninterest expense to average assets | 2.7883% | 2,736 |
| Loan and lease loss provision to assets | 0.0201% | 3,275 |
| Net operating income to assets | 0.7172% | 4,042 |
| Return on assets (ROA) | 0.7172% | 4,052 |
| Pretax return on assets | 0.7172% | 4,392 |
| Return on Equity (ROE) | 7.3019% | 3,664 |
| Retained earnings to average equity (ytd only) | -9.7586% | 5,368 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0875% | 1,247 |
| Assets per employee ($millions) | 4.5308% | 3,109 |
| Cash dividends to net income (ytd only)* | 233.6449% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 2,622 |
| Loan loss allowance to noncurrent loans | 334.2105% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 1.6825% | 768 |
| Noncurrent loans to loans | 0.3685% | 3,459 |
| Net loans and leases to total assets | 51.8829% | 4,446 |
| Net loans and leases to deposits | 57.7271% | 4,601 |
| Net loans and leases to core deposits | 61.0911% | 4,610 |
| Total domestic deposits to total assets | 89.8761% | 710 |
| Equity capital to assets | 9.7148% | 3,871 |
| Core capital (leverage) ratio | 10.1292% | 3,386 |
| Tier 1 risk-based capital ratio | 16.8862% | 2,146 |
| Total risk-based capital ratio | 17.9426% | 2,158 |
| Memoranda: | ||
| Average total assets | $59,678,000 | 4,935 |
| Average earning assets | $55,690,000 | 4,919 |
| Average equity | $5,861,500 | 5,077 |
| Average total loans | $31,166,500 | 4,944 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7497% | 4,217 |
| Cost of funding earning assets | 0.3119% | 4,023 |
| Net interest margin | 3.4378% | 3,730 |
| Noninterest income to average assets | 0.3707% | 3,819 |
| Noninterest expense to average assets | 2.6392% | 3,320 |
| Loan and lease loss provision to assets | 0.0148% | 3,997 |
| Net operating income to assets | 0.9169% | 2,616 |
| Return on assets (ROA) | 0.8316% | 3,061 |
| Pretax return on assets | 0.8316% | 4,155 |
| Return on Equity (ROE) | 8.7768% | 2,412 |
| Retained earnings to average equity (ytd only) | 8.6902% | 564 |
| Net charge-offs to loans | -0.0628% | 5,246 |
| Credit loss provision to net charge-offs | -45.0000% | 4,643 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9090% | 1,907 |
| Assets per employee ($millions) | 4.6505% | 2,953 |
| Cash dividends to net income (ytd only)* | 0.9862% | 4,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 2,750 |
| Loan loss allowance to noncurrent loans | 99.4737% | 3,538 |
| Noncurrent assets plus other real estate owned to assets | 1.8443% | 658 |
| Noncurrent loans to loans | 1.2105% | 1,465 |
| Net loans and leases to total assets | 51.3018% | 4,572 |
| Net loans and leases to deposits | 57.1789% | 4,739 |
| Net loans and leases to core deposits | 62.5504% | 4,627 |
| Total domestic deposits to total assets | 89.7215% | 668 |
| Equity capital to assets | 9.9262% | 3,782 |
| Core capital (leverage) ratio | 10.1800% | 3,221 |
| Tier 1 risk-based capital ratio | 16.9196% | 2,121 |
| Total risk-based capital ratio | 17.9459% | 2,150 |
| Memoranda: | ||
| Average total assets | $60,964,800 | 4,943 |
| Average earning assets | $56,751,800 | 4,934 |
| Average equity | $5,776,600 | 5,138 |
| Average total loans | $31,871,200 | 4,973 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7508% | 4,175 |
| Cost of funding earning assets | 0.3051% | 4,085 |
| Net interest margin | 3.4457% | 3,693 |
| Noninterest income to average assets | 0.3776% | 3,827 |
| Noninterest expense to average assets | 2.6495% | 3,248 |
| Loan and lease loss provision to assets | 0.0393% | 3,323 |
| Net operating income to assets | 0.8926% | 3,066 |
| Return on assets (ROA) | 0.7791% | 3,656 |
| Pretax return on assets | 0.7791% | 4,405 |
| Return on Equity (ROE) | 8.3208% | 2,970 |
| Retained earnings to average equity (ytd only) | 8.2042% | 1,133 |
| Net charge-offs to loans | -0.0208% | 4,858 |
| Credit loss provision to net charge-offs | -360.0000% | 4,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9793% | 1,894 |
| Assets per employee ($millions) | 4.8378% | 2,655 |
| Cash dividends to net income (ytd only)* | 1.4013% | 3,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1313% | 3,301 |
| Loan loss allowance to noncurrent loans | 159.6567% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8316% | 2,069 |
| Noncurrent loans to loans | 0.7086% | 2,586 |
| Net loans and leases to total assets | 51.6918% | 4,594 |
| Net loans and leases to deposits | 58.4407% | 4,724 |
| Net loans and leases to core deposits | 63.6552% | 4,620 |
| Total domestic deposits to total assets | 88.4516% | 1,150 |
| Equity capital to assets | 9.5497% | 4,394 |
| Core capital (leverage) ratio | 9.7375% | 3,894 |
| Tier 1 risk-based capital ratio | 15.9942% | 2,508 |
| Total risk-based capital ratio | 16.9726% | 2,555 |
| Memoranda: | ||
| Average total assets | $61,092,000 | 4,997 |
| Average earning assets | $56,804,250 | 4,988 |
| Average equity | $5,720,500 | 5,203 |
| Average total loans | $31,990,750 | 5,015 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 4,133 |
| Cost of funding earning assets | 0.2913% | 4,175 |
| Net interest margin | 3.4385% | 3,635 |
| Noninterest income to average assets | 0.3670% | 3,931 |
| Noninterest expense to average assets | 2.6516% | 3,261 |
| Loan and lease loss provision to assets | 0.0397% | 3,216 |
| Net operating income to assets | 0.8761% | 3,039 |
| Return on assets (ROA) | 0.7042% | 3,896 |
| Pretax return on assets | 0.7042% | 4,535 |
| Return on Equity (ROE) | 7.5729% | 3,256 |
| Retained earnings to average equity (ytd only) | 7.3951% | 1,401 |
| Net charge-offs to loans | -0.0316% | 4,981 |
| Credit loss provision to net charge-offs | -240.0000% | 4,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3281% | 1,956 |
| Assets per employee ($millions) | 4.4321% | 3,222 |
| Cash dividends to net income (ytd only)* | 2.3474% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1179% | 3,478 |
| Loan loss allowance to noncurrent loans | 148.1781% | 2,810 |
| Noncurrent assets plus other real estate owned to assets | 0.8654% | 2,043 |
| Noncurrent loans to loans | 0.7544% | 2,505 |
| Net loans and leases to total assets | 52.1757% | 4,556 |
| Net loans and leases to deposits | 58.8112% | 4,711 |
| Net loans and leases to core deposits | 64.7578% | 4,553 |
| Total domestic deposits to total assets | 88.7172% | 1,096 |
| Equity capital to assets | 9.3054% | 4,616 |
| Core capital (leverage) ratio | 9.7707% | 3,811 |
| Tier 1 risk-based capital ratio | 15.9417% | 2,527 |
| Total risk-based capital ratio | 16.9218% | 2,568 |
| Memoranda: | ||
| Average total assets | $60,492,000 | 5,049 |
| Average earning assets | $56,304,330 | 5,040 |
| Average equity | $5,625,330 | 5,248 |
| Average total loans | $31,693,670 | 5,058 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7290% | 4,014 |
| Cost of funding earning assets | 0.2592% | 4,461 |
| Net interest margin | 3.4698% | 3,389 |
| Noninterest income to average assets | 0.2679% | 4,627 |
| Noninterest expense to average assets | 2.6594% | 3,279 |
| Loan and lease loss provision to assets | 0.0402% | 3,001 |
| Net operating income to assets | 0.7971% | 3,232 |
| Return on assets (ROA) | 0.3818% | 5,024 |
| Pretax return on assets | 0.3818% | 5,193 |
| Return on Equity (ROE) | 4.1074% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.1074% | 3,406 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0536% | 1,894 |
| Assets per employee ($millions) | 4.2694% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1481% | 3,422 |
| Loan loss allowance to noncurrent loans | 139.2157% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 0.9285% | 1,993 |
| Noncurrent loans to loans | 0.8247% | 2,393 |
| Net loans and leases to total assets | 51.1360% | 4,584 |
| Net loans and leases to deposits | 57.7788% | 4,715 |
| Net loans and leases to core deposits | 63.8487% | 4,546 |
| Total domestic deposits to total assets | 88.5030% | 1,423 |
| Equity capital to assets | 9.4492% | 4,337 |
| Core capital (leverage) ratio | 9.9009% | 3,621 |
| Tier 1 risk-based capital ratio | 16.4142% | 2,390 |
| Total risk-based capital ratio | 17.4213% | 2,430 |
| Memoranda: | ||
| Average total assets | $59,713,000 | 5,118 |
| Average earning assets | $55,564,500 | 5,114 |
| Average equity | $5,551,000 | 5,313 |
| Average total loans | $31,170,000 | 5,121 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 4,406 |
| Cost of funding earning assets | 0.2607% | 4,456 |
| Net interest margin | 3.3782% | 3,898 |
| Noninterest income to average assets | 0.3622% | 4,155 |
| Noninterest expense to average assets | 2.7495% | 3,194 |
| Loan and lease loss provision to assets | 0.0408% | 3,567 |
| Net operating income to assets | 0.7006% | 3,780 |
| Return on assets (ROA) | 0.7329% | 3,742 |
| Pretax return on assets | 0.7329% | 4,386 |
| Return on Equity (ROE) | 7.7204% | 3,104 |
| Retained earnings to average equity (ytd only) | 7.6309% | 988 |
| Net charge-offs to loans | 0.0210% | 3,629 |
| Credit loss provision to net charge-offs | 400.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 769 |
| Efficiency ratio | 78.7628% | 1,580 |
| Assets per employee ($millions) | 4.2610% | 3,511 |
| Cash dividends to net income (ytd only)* | 1.1601% | 4,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1108% | 3,651 |
| Loan loss allowance to noncurrent loans | 125.5396% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.9689% | 1,955 |
| Noncurrent loans to loans | 0.8848% | 2,338 |
| Net loans and leases to total assets | 52.0854% | 4,600 |
| Net loans and leases to deposits | 57.5698% | 4,825 |
| Net loans and leases to core deposits | 63.4763% | 4,665 |
| Total domestic deposits to total assets | 90.4734% | 455 |
| Equity capital to assets | 9.1427% | 4,657 |
| Core capital (leverage) ratio | 9.6482% | 3,911 |
| Tier 1 risk-based capital ratio | 15.9889% | 2,550 |
| Total risk-based capital ratio | 16.9630% | 2,590 |
| Memoranda: | ||
| Average total assets | $58,810,800 | 5,166 |
| Average earning assets | $54,466,200 | 5,161 |
| Average equity | $5,582,600 | 5,353 |
| Average total loans | $28,564,600 | 5,245 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6146% | 4,509 |
| Cost of funding earning assets | 0.2654% | 4,442 |
| Net interest margin | 3.3493% | 4,033 |
| Noninterest income to average assets | 0.3595% | 4,207 |
| Noninterest expense to average assets | 2.7235% | 3,282 |
| Loan and lease loss provision to assets | 0.0410% | 3,420 |
| Net operating income to assets | 0.6962% | 3,872 |
| Return on assets (ROA) | 0.7395% | 3,783 |
| Pretax return on assets | 0.7395% | 4,501 |
| Return on Equity (ROE) | 7.7175% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.5989% | 1,356 |
| Net charge-offs to loans | 0.0287% | 3,084 |
| Credit loss provision to net charge-offs | 300.0000% | 1,026 |
| Earnings coverage of net charge-offs (x) | 53.9988% | 1,019 |
| Efficiency ratio | 78.6982% | 1,595 |
| Assets per employee ($millions) | 4.2021% | 3,587 |
| Cash dividends to net income (ytd only)* | 1.5393% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1401% | 3,612 |
| Loan loss allowance to noncurrent loans | 119.1638% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.0539% | 1,959 |
| Noncurrent loans to loans | 0.9568% | 2,332 |
| Net loans and leases to total assets | 50.4088% | 4,795 |
| Net loans and leases to deposits | 56.1063% | 4,986 |
| Net loans and leases to core deposits | 61.9969% | 4,830 |
| Total domestic deposits to total assets | 89.8451% | 536 |
| Equity capital to assets | 9.7384% | 4,428 |
| Core capital (leverage) ratio | 9.5806% | 4,082 |
| Tier 1 risk-based capital ratio | 16.0205% | 2,617 |
| Total risk-based capital ratio | 16.9947% | 2,660 |
| Memoranda: | ||
| Average total assets | $58,600,000 | 5,213 |
| Average earning assets | $54,259,250 | 5,209 |
| Average equity | $5,614,750 | 5,403 |
| Average total loans | $27,850,750 | 5,324 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5619% | 4,704 |
| Cost of funding earning assets | 0.2660% | 4,489 |
| Net interest margin | 3.2959% | 4,254 |
| Noninterest income to average assets | 0.3383% | 4,355 |
| Noninterest expense to average assets | 2.6861% | 3,437 |
| Loan and lease loss provision to assets | 0.0410% | 3,340 |
| Net operating income to assets | 0.6596% | 3,999 |
| Return on assets (ROA) | 0.7245% | 3,834 |
| Pretax return on assets | 0.7245% | 4,548 |
| Return on Equity (ROE) | 7.6031% | 3,201 |
| Retained earnings to average equity (ytd only) | 7.6031% | 1,339 |
| Net charge-offs to loans | 0.0442% | 2,586 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 34.1667% | 1,284 |
| Efficiency ratio | 79.3138% | 1,587 |
| Assets per employee ($millions) | 4.4968% | 3,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 3,535 |
| Loan loss allowance to noncurrent loans | 113.8983% | 3,436 |
| Noncurrent assets plus other real estate owned to assets | 1.1187% | 1,888 |
| Noncurrent loans to loans | 1.0257% | 2,238 |
| Net loans and leases to total assets | 48.6255% | 4,938 |
| Net loans and leases to deposits | 54.1623% | 5,127 |
| Net loans and leases to core deposits | 58.3564% | 5,056 |
| Total domestic deposits to total assets | 89.7775% | 572 |
| Equity capital to assets | 9.8599% | 4,377 |
| Core capital (leverage) ratio | 9.5581% | 4,121 |
| Tier 1 risk-based capital ratio | 16.0367% | 2,624 |
| Total risk-based capital ratio | 17.0136% | 2,687 |
| Memoranda: | ||
| Average total assets | $58,523,670 | 5,276 |
| Average earning assets | $54,127,670 | 5,269 |
| Average equity | $5,576,670 | 5,462 |
| Average total loans | $27,135,330 | 5,402 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4461% | 5,012 |
| Cost of funding earning assets | 0.2662% | 4,541 |
| Net interest margin | 3.1799% | 4,643 |
| Noninterest income to average assets | 0.2801% | 4,705 |
| Noninterest expense to average assets | 2.4387% | 4,261 |
| Loan and lease loss provision to assets | 0.0410% | 3,101 |
| Net operating income to assets | 0.7378% | 3,550 |
| Return on assets (ROA) | 0.7446% | 3,621 |
| Pretax return on assets | 0.7446% | 4,381 |
| Return on Equity (ROE) | 7.9519% | 2,944 |
| Retained earnings to average equity (ytd only) | 7.9519% | 1,476 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7962% | 2,204 |
| Assets per employee ($millions) | 4.4138% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,988 |
| Loan loss allowance to noncurrent loans | 95.7386% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.2461% | 1,747 |
| Noncurrent loans to loans | 1.3410% | 1,778 |
| Net loans and leases to total assets | 45.1603% | 5,174 |
| Net loans and leases to deposits | 50.2433% | 5,327 |
| Net loans and leases to core deposits | 53.9046% | 5,261 |
| Total domestic deposits to total assets | 89.8832% | 644 |
| Equity capital to assets | 9.7177% | 4,431 |
| Core capital (leverage) ratio | 9.3497% | 4,431 |
| Tier 1 risk-based capital ratio | 16.6073% | 2,437 |
| Total risk-based capital ratio | 17.6415% | 2,477 |
| Memoranda: | ||
| Average total assets | $58,556,000 | 5,324 |
| Average earning assets | $54,090,500 | 5,318 |
| Average equity | $5,483,000 | 5,510 |
| Average total loans | $26,322,000 | 5,468 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6055% | 4,661 |
| Cost of funding earning assets | 0.2933% | 4,327 |
| Net interest margin | 3.3122% | 4,246 |
| Noninterest income to average assets | 0.3583% | 4,340 |
| Noninterest expense to average assets | 2.8270% | 3,120 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5959% | 4,288 |
| Return on assets (ROA) | 0.6190% | 4,282 |
| Pretax return on assets | 0.6190% | 4,781 |
| Return on Equity (ROE) | 6.5187% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.5187% | 1,528 |
| Net charge-offs to loans | 0.4275% | 655 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 3.0826% | 3,781 |
| Efficiency ratio | 82.5907% | 1,328 |
| Assets per employee ($millions) | 4.2666% | 3,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 3,143 |
| Loan loss allowance to noncurrent loans | 106.4309% | 3,541 |
| Noncurrent assets plus other real estate owned to assets | 1.1334% | 1,935 |
| Noncurrent loans to loans | 1.1783% | 2,002 |
| Net loans and leases to total assets | 43.6332% | 5,300 |
| Net loans and leases to deposits | 49.0995% | 5,435 |
| Net loans and leases to core deposits | 54.2053% | 5,303 |
| Total domestic deposits to total assets | 88.8669% | 1,197 |
| Equity capital to assets | 9.0236% | 5,101 |
| Core capital (leverage) ratio | 8.9198% | 4,982 |
| Tier 1 risk-based capital ratio | 15.9793% | 2,692 |
| Total risk-based capital ratio | 16.9765% | 2,753 |
| Memoranda: | ||
| Average total assets | $56,385,200 | 5,395 |
| Average earning assets | $52,170,600 | 5,381 |
| Average equity | $5,353,800 | 5,570 |
| Average total loans | $25,496,600 | 5,534 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6196% | 4,669 |
| Cost of funding earning assets | 0.2952% | 4,393 |
| Net interest margin | 3.3245% | 4,240 |
| Noninterest income to average assets | 0.3648% | 4,321 |
| Noninterest expense to average assets | 2.8179% | 3,110 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6289% | 4,246 |
| Return on assets (ROA) | 0.6601% | 4,198 |
| Pretax return on assets | 0.6601% | 4,805 |
| Return on Equity (ROE) | 6.8602% | 3,700 |
| Retained earnings to average equity (ytd only) | 6.8602% | 1,754 |
| Net charge-offs to loans | -0.1161% | 5,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7549% | 1,426 |
| Assets per employee ($millions) | 4.3538% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7034% | 1,462 |
| Loan loss allowance to noncurrent loans | 77.3869% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.1714% | 2,022 |
| Noncurrent loans to loans | 2.2012% | 998 |
| Net loans and leases to total assets | 47.1025% | 5,145 |
| Net loans and leases to deposits | 53.3894% | 5,297 |
| Net loans and leases to core deposits | 56.8020% | 5,261 |
| Total domestic deposits to total assets | 88.2244% | 1,438 |
| Equity capital to assets | 9.5106% | 4,738 |
| Core capital (leverage) ratio | 9.2549% | 4,656 |
| Tier 1 risk-based capital ratio | 15.9596% | 2,817 |
| Total risk-based capital ratio | 17.2110% | 2,758 |
| Memoranda: | ||
| Average total assets | $55,548,500 | 5,485 |
| Average earning assets | $51,495,500 | 5,474 |
| Average equity | $5,344,750 | 5,641 |
| Average total loans | $25,272,250 | 5,604 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5339% | 4,899 |
| Cost of funding earning assets | 0.2932% | 4,467 |
| Net interest margin | 3.2407% | 4,525 |
| Noninterest income to average assets | 0.3804% | 4,232 |
| Noninterest expense to average assets | 2.8443% | 3,084 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5399% | 4,608 |
| Return on assets (ROA) | 0.5399% | 4,715 |
| Pretax return on assets | 0.5399% | 5,119 |
| Return on Equity (ROE) | 5.5889% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.5889% | 2,478 |
| Net charge-offs to loans | -0.0162% | 5,090 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0471% | 1,262 |
| Assets per employee ($millions) | 4.2969% | 3,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7012% | 1,600 |
| Loan loss allowance to noncurrent loans | 73.6667% | 4,378 |
| Noncurrent assets plus other real estate owned to assets | 1.1923% | 2,121 |
| Noncurrent loans to loans | 2.3094% | 1,015 |
| Net loans and leases to total assets | 45.7197% | 5,274 |
| Net loans and leases to deposits | 52.6360% | 5,338 |
| Net loans and leases to core deposits | 54.8990% | 5,374 |
| Total domestic deposits to total assets | 86.8600% | 2,240 |
| Equity capital to assets | 9.5560% | 4,587 |
| Core capital (leverage) ratio | 9.1923% | 4,708 |
| Tier 1 risk-based capital ratio | 15.6617% | 3,010 |
| Total risk-based capital ratio | 16.9137% | 2,970 |
| Memoranda: | ||
| Average total assets | $55,198,000 | 5,561 |
| Average earning assets | $51,161,330 | 5,535 |
| Average equity | $5,332,000 | 5,695 |
| Average total loans | $24,655,670 | 5,675 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5111% | 4,927 |
| Cost of funding earning assets | 0.2992% | 4,451 |
| Net interest margin | 3.2119% | 4,562 |
| Noninterest income to average assets | 0.3354% | 4,507 |
| Noninterest expense to average assets | 2.8505% | 3,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4593% | 4,833 |
| Return on assets (ROA) | 0.4593% | 4,951 |
| Pretax return on assets | 0.4593% | 5,286 |
| Return on Equity (ROE) | 4.7288% | 4,648 |
| Retained earnings to average equity (ytd only) | 4.7288% | 3,201 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1233% | 1,173 |
| Assets per employee ($millions) | 4.1635% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8216% | 1,449 |
| Loan loss allowance to noncurrent loans | 73.1343% | 4,358 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 2,165 |
| Noncurrent loans to loans | 2.4907% | 976 |
| Net loans and leases to total assets | 43.9150% | 5,354 |
| Net loans and leases to deposits | 49.0133% | 5,514 |
| Net loans and leases to core deposits | 51.1216% | 5,535 |
| Total domestic deposits to total assets | 89.5982% | 943 |
| Equity capital to assets | 9.9898% | 4,161 |
| Core capital (leverage) ratio | 9.2244% | 4,683 |
| Tier 1 risk-based capital ratio | 16.4110% | 2,727 |
| Total risk-based capital ratio | 17.6603% | 2,670 |
| Memoranda: | ||
| Average total assets | $54,867,000 | 5,620 |
| Average earning assets | $50,810,500 | 5,600 |
| Average equity | $5,329,000 | 5,750 |
| Average total loans | $23,993,000 | 5,749 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6272% | 5,009 |
| Cost of funding earning assets | 0.3192% | 4,590 |
| Net interest margin | 3.3081% | 4,535 |
| Noninterest income to average assets | 0.3651% | 4,478 |
| Noninterest expense to average assets | 2.7381% | 3,721 |
| Loan and lease loss provision to assets | 0.0931% | 2,605 |
| Net operating income to assets | 0.6035% | 4,345 |
| Return on assets (ROA) | 0.6035% | 4,444 |
| Pretax return on assets | 0.6035% | 4,926 |
| Return on Equity (ROE) | 6.3669% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.3669% | 1,726 |
| Net charge-offs to loans | 0.4432% | 950 |
| Credit loss provision to net charge-offs | 46.7290% | 3,553 |
| Earnings coverage of net charge-offs (x) | 3.4953% | 3,878 |
| Efficiency ratio | 79.7180% | 1,978 |
| Assets per employee ($millions) | 4.6341% | 2,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8506% | 1,424 |
| Loan loss allowance to noncurrent loans | 72.4876% | 4,442 |
| Noncurrent assets plus other real estate owned to assets | 1.2102% | 2,356 |
| Noncurrent loans to loans | 2.5530% | 987 |
| Net loans and leases to total assets | 41.9644% | 5,618 |
| Net loans and leases to deposits | 46.5296% | 5,771 |
| Net loans and leases to core deposits | 48.4622% | 5,790 |
| Total domestic deposits to total assets | 90.1886% | 654 |
| Equity capital to assets | 9.4427% | 4,786 |
| Core capital (leverage) ratio | 9.0197% | 4,969 |
| Tier 1 risk-based capital ratio | 16.4415% | 2,739 |
| Total risk-based capital ratio | 17.6961% | 2,686 |
| Memoranda: | ||
| Average total assets | $53,686,800 | 5,702 |
| Average earning assets | $49,817,800 | 5,682 |
| Average equity | $5,088,800 | 5,834 |
| Average total loans | $24,142,800 | 5,814 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6746% | 4,924 |
| Cost of funding earning assets | 0.3238% | 4,632 |
| Net interest margin | 3.3509% | 4,426 |
| Noninterest income to average assets | 0.3759% | 4,425 |
| Noninterest expense to average assets | 2.6287% | 4,097 |
| Loan and lease loss provision to assets | 0.1253% | 1,997 |
| Net operating income to assets | 0.7342% | 3,758 |
| Return on assets (ROA) | 0.7342% | 3,864 |
| Pretax return on assets | 0.7342% | 4,577 |
| Return on Equity (ROE) | 7.7385% | 3,343 |
| Retained earnings to average equity (ytd only) | 7.7385% | 1,470 |
| Net charge-offs to loans | 0.5612% | 676 |
| Credit loss provision to net charge-offs | 49.0196% | 3,120 |
| Earnings coverage of net charge-offs (x) | 3.3626% | 3,678 |
| Efficiency ratio | 75.3592% | 2,606 |
| Assets per employee ($millions) | 4.3752% | 3,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8156% | 1,659 |
| Loan loss allowance to noncurrent loans | 92.1162% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.0438% | 2,876 |
| Noncurrent loans to loans | 1.9710% | 1,616 |
| Net loans and leases to total assets | 45.7335% | 5,401 |
| Net loans and leases to deposits | 51.2683% | 5,571 |
| Net loans and leases to core deposits | 52.3869% | 5,666 |
| Total domestic deposits to total assets | 89.2042% | 1,123 |
| Equity capital to assets | 9.9730% | 4,193 |
| Core capital (leverage) ratio | 9.2117% | 4,764 |
| Tier 1 risk-based capital ratio | 16.2632% | 2,928 |
| Total risk-based capital ratio | 17.5083% | 2,879 |
| Memoranda: | ||
| Average total assets | $53,206,250 | 5,780 |
| Average earning assets | $49,418,500 | 5,756 |
| Average equity | $5,048,250 | 5,903 |
| Average total loans | $24,234,500 | 5,876 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6624% | 4,971 |
| Cost of funding earning assets | 0.3304% | 4,641 |
| Net interest margin | 3.3320% | 4,466 |
| Noninterest income to average assets | 0.3892% | 4,320 |
| Noninterest expense to average assets | 2.5262% | 4,494 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9581% | 2,518 |
| Return on assets (ROA) | 0.9581% | 2,605 |
| Pretax return on assets | 0.9581% | 3,651 |
| Return on Equity (ROE) | 10.2694% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.2694% | 661 |
| Net charge-offs to loans | 0.0083% | 4,114 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 256.0000% | 261 |
| Efficiency ratio | 72.5027% | 3,243 |
| Assets per employee ($millions) | 4.8814% | 2,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0324% | 1,306 |
| Loan loss allowance to noncurrent loans | 108.5526% | 3,454 |
| Noncurrent assets plus other real estate owned to assets | 0.9796% | 3,106 |
| Noncurrent loans to loans | 1.8723% | 1,834 |
| Net loans and leases to total assets | 44.4362% | 5,506 |
| Net loans and leases to deposits | 49.4457% | 5,675 |
| Net loans and leases to core deposits | 50.4514% | 5,768 |
| Total domestic deposits to total assets | 89.8687% | 870 |
| Equity capital to assets | 9.7085% | 4,479 |
| Core capital (leverage) ratio | 9.1999% | 4,743 |
| Tier 1 risk-based capital ratio | 16.1399% | 3,015 |
| Total risk-based capital ratio | 17.3949% | 2,960 |
| Memoranda: | ||
| Average total assets | $53,441,000 | 5,820 |
| Average earning assets | $49,640,000 | 5,798 |
| Average equity | $4,985,670 | 5,959 |
| Average total loans | $24,161,000 | 5,922 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6816% | 4,910 |
| Cost of funding earning assets | 0.3391% | 4,657 |
| Net interest margin | 3.3425% | 4,360 |
| Noninterest income to average assets | 0.3601% | 4,509 |
| Noninterest expense to average assets | 2.5134% | 4,577 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9528% | 2,393 |
| Return on assets (ROA) | 0.9528% | 2,466 |
| Pretax return on assets | 0.9528% | 3,498 |
| Return on Equity (ROE) | 10.4269% | 1,898 |
| Retained earnings to average equity (ytd only) | 10.4269% | 867 |
| Net charge-offs to loans | -0.0166% | 5,262 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5108% | 3,397 |
| Assets per employee ($millions) | 4.8217% | 2,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0799% | 1,369 |
| Loan loss allowance to noncurrent loans | 107.5758% | 3,433 |
| Noncurrent assets plus other real estate owned to assets | 1.0030% | 3,260 |
| Noncurrent loans to loans | 1.9335% | 1,946 |
| Net loans and leases to total assets | 44.1147% | 5,498 |
| Net loans and leases to deposits | 48.8935% | 5,678 |
| Net loans and leases to core deposits | 49.8955% | 5,774 |
| Total domestic deposits to total assets | 90.2261% | 948 |
| Equity capital to assets | 9.3309% | 4,725 |
| Core capital (leverage) ratio | 8.9016% | 5,139 |
| Tier 1 risk-based capital ratio | 16.9807% | 2,703 |
| Total risk-based capital ratio | 18.2370% | 2,652 |
| Memoranda: | ||
| Average total assets | $53,314,000 | 5,876 |
| Average earning assets | $49,544,000 | 5,851 |
| Average equity | $4,872,000 | 6,025 |
| Average total loans | $24,064,000 | 5,980 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 5,088 |
| Cost of funding earning assets | 0.3916% | 4,739 |
| Net interest margin | 3.3235% | 4,579 |
| Noninterest income to average assets | 0.4372% | 4,179 |
| Noninterest expense to average assets | 2.7981% | 3,732 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7163% | 3,710 |
| Return on assets (ROA) | 0.7367% | 3,701 |
| Pretax return on assets | 0.7386% | 4,384 |
| Return on Equity (ROE) | 8.1141% | 2,979 |
| Retained earnings to average equity (ytd only) | -5.2045% | 6,382 |
| Net charge-offs to loans | -0.1155% | 6,510 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5767% | 2,224 |
| Assets per employee ($millions) | 4.1222% | 3,595 |
| Cash dividends to net income (ytd only)* | 164.1414% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0468% | 1,447 |
| Loan loss allowance to noncurrent loans | 105.3079% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 1.1756% | 3,050 |
| Noncurrent loans to loans | 1.9436% | 2,053 |
| Net loans and leases to total assets | 44.2945% | 5,650 |
| Net loans and leases to deposits | 48.8909% | 5,840 |
| Net loans and leases to core deposits | 49.8781% | 5,943 |
| Total domestic deposits to total assets | 90.5988% | 747 |
| Equity capital to assets | 8.9477% | 5,103 |
| Core capital (leverage) ratio | 8.6169% | 5,523 |
| Tier 1 risk-based capital ratio | 15.8146% | 3,193 |
| Total risk-based capital ratio | 17.0713% | 3,144 |
| Memoranda: | ||
| Average total assets | $53,750,600 | 5,924 |
| Average earning assets | $49,797,000 | 5,897 |
| Average equity | $4,880,400 | 6,096 |
| Average total loans | $24,252,400 | 6,021 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7664% | 4,976 |
| Cost of funding earning assets | 0.4018% | 4,807 |
| Net interest margin | 3.3646% | 4,417 |
| Noninterest income to average assets | 0.3718% | 4,734 |
| Noninterest expense to average assets | 2.6447% | 4,226 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8378% | 3,154 |
| Return on assets (ROA) | 0.8626% | 3,144 |
| Pretax return on assets | 0.8651% | 4,025 |
| Return on Equity (ROE) | 9.4658% | 2,413 |
| Retained earnings to average equity (ytd only) | -8.2146% | 6,602 |
| Net charge-offs to loans | -0.1759% | 6,624 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8890% | 2,749 |
| Assets per employee ($millions) | 4.1332% | 3,577 |
| Cash dividends to net income (ytd only)* | 186.7820% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0245% | 1,664 |
| Loan loss allowance to noncurrent loans | 105.0420% | 3,363 |
| Noncurrent assets plus other real estate owned to assets | 1.1818% | 3,292 |
| Noncurrent loans to loans | 1.9273% | 2,329 |
| Net loans and leases to total assets | 45.0355% | 5,624 |
| Net loans and leases to deposits | 49.6767% | 5,858 |
| Net loans and leases to core deposits | 50.9990% | 5,954 |
| Total domestic deposits to total assets | 90.6572% | 681 |
| Equity capital to assets | 8.8366% | 5,376 |
| Core capital (leverage) ratio | 8.6128% | 5,640 |
| Tier 1 risk-based capital ratio | 15.3219% | 3,553 |
| Total risk-based capital ratio | 16.5758% | 3,507 |
| Memoranda: | ||
| Average total assets | $53,791,000 | 5,986 |
| Average earning assets | $49,772,250 | 5,959 |
| Average equity | $4,901,750 | 6,164 |
| Average total loans | $24,257,250 | 6,081 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7153% | 5,101 |
| Cost of funding earning assets | 0.4101% | 4,858 |
| Net interest margin | 3.3052% | 4,560 |
| Noninterest income to average assets | 0.4237% | 4,352 |
| Noninterest expense to average assets | 2.6389% | 4,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8400% | 3,102 |
| Return on assets (ROA) | 0.8771% | 3,068 |
| Pretax return on assets | 0.8771% | 3,997 |
| Return on Equity (ROE) | 9.5296% | 2,408 |
| Retained earnings to average equity (ytd only) | -16.7171% | 6,771 |
| Net charge-offs to loans | -0.4479% | 6,816 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8547% | 2,813 |
| Assets per employee ($millions) | 4.0955% | 3,591 |
| Cash dividends to net income (ytd only)* | 275.4237% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1082% | 1,619 |
| Loan loss allowance to noncurrent loans | 88.3249% | 3,766 |
| Noncurrent assets plus other real estate owned to assets | 1.5045% | 2,843 |
| Noncurrent loans to loans | 2.3869% | 1,970 |
| Net loans and leases to total assets | 45.5251% | 5,585 |
| Net loans and leases to deposits | 50.0206% | 5,841 |
| Net loans and leases to core deposits | 51.3844% | 5,929 |
| Total domestic deposits to total assets | 91.0126% | 534 |
| Equity capital to assets | 8.4747% | 5,791 |
| Core capital (leverage) ratio | 8.3132% | 5,871 |
| Tier 1 risk-based capital ratio | 15.0798% | 3,726 |
| Total risk-based capital ratio | 16.3344% | 3,686 |
| Memoranda: | ||
| Average total assets | $53,811,000 | 6,026 |
| Average earning assets | $49,740,330 | 6,002 |
| Average equity | $4,953,000 | 6,196 |
| Average total loans | $24,110,330 | 6,116 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 5,030 |
| Cost of funding earning assets | 0.4171% | 4,936 |
| Net interest margin | 3.3209% | 4,438 |
| Noninterest income to average assets | 0.1996% | 6,046 |
| Noninterest expense to average assets | 2.4105% | 5,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8503% | 2,904 |
| Return on assets (ROA) | 0.8503% | 3,044 |
| Pretax return on assets | 0.8503% | 3,950 |
| Return on Equity (ROE) | 8.8915% | 2,530 |
| Retained earnings to average equity (ytd only) | -41.3646% | 6,940 |
| Net charge-offs to loans | -0.7568% | 6,901 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9229% | 3,274 |
| Assets per employee ($millions) | 4.1125% | 3,715 |
| Cash dividends to net income (ytd only)* | 565.2174% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1527% | 1,683 |
| Loan loss allowance to noncurrent loans | 94.8244% | 3,502 |
| Noncurrent assets plus other real estate owned to assets | 1.4739% | 3,048 |
| Noncurrent loans to loans | 2.2702% | 2,306 |
| Net loans and leases to total assets | 43.6152% | 5,703 |
| Net loans and leases to deposits | 48.8202% | 5,863 |
| Net loans and leases to core deposits | 50.5846% | 5,929 |
| Total domestic deposits to total assets | 89.3384% | 1,459 |
| Equity capital to assets | 9.1727% | 5,284 |
| Core capital (leverage) ratio | 8.1185% | 6,029 |
| Tier 1 risk-based capital ratio | 15.0493% | 3,801 |
| Total risk-based capital ratio | 16.3051% | 3,752 |
| Memoranda: | ||
| Average total assets | $54,096,000 | 6,074 |
| Average earning assets | $49,866,500 | 6,054 |
| Average equity | $5,173,500 | 6,196 |
| Average total loans | $23,785,500 | 6,192 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4619% | 3,560 |
| Cost of funding earning assets | 0.4738% | 5,392 |
| Net interest margin | 3.9881% | 2,441 |
| Noninterest income to average assets | 0.6766% | 2,850 |
| Noninterest expense to average assets | 3.4112% | 2,021 |
| Loan and lease loss provision to assets | 0.2114% | 3,031 |
| Net operating income to assets | 0.6132% | 4,175 |
| Return on assets (ROA) | 1.0325% | 2,403 |
| Pretax return on assets | 1.0325% | 3,421 |
| Return on Equity (ROE) | 10.4755% | 1,980 |
| Retained earnings to average equity (ytd only) | 4.2188% | 3,260 |
| Net charge-offs to loans | 0.8383% | 1,383 |
| Credit loss provision to net charge-offs | 48.3871% | 4,733 |
| Earnings coverage of net charge-offs (x) | 1.8871% | 4,480 |
| Efficiency ratio | 80.5324% | 2,081 |
| Assets per employee ($millions) | 3.2048% | 5,611 |
| Cash dividends to net income (ytd only)* | 59.7270% | 1,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0772% | 1,824 |
| Loan loss allowance to noncurrent loans | 54.2435% | 4,915 |
| Noncurrent assets plus other real estate owned to assets | 2.6523% | 1,825 |
| Noncurrent loans to loans | 3.8293% | 1,264 |
| Net loans and leases to total assets | 48.0533% | 5,415 |
| Net loans and leases to deposits | 54.8715% | 5,565 |
| Net loans and leases to core deposits | 58.6940% | 5,481 |
| Total domestic deposits to total assets | 87.5741% | 2,497 |
| Equity capital to assets | 9.7667% | 4,502 |
| Core capital (leverage) ratio | 8.8540% | 5,092 |
| Tier 1 risk-based capital ratio | 14.4642% | 4,058 |
| Total risk-based capital ratio | 15.7192% | 4,005 |
| Memoranda: | ||
| Average total assets | $28,377,400 | 6,797 |
| Average earning assets | $25,325,400 | 6,777 |
| Average equity | $2,797,000 | 6,823 |
| Average total loans | $14,792,600 | 6,671 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5805% | 3,285 |
| Cost of funding earning assets | 0.5095% | 5,380 |
| Net interest margin | 4.0710% | 2,204 |
| Noninterest income to average assets | 0.6275% | 3,121 |
| Noninterest expense to average assets | 3.1845% | 2,616 |
| Loan and lease loss provision to assets | 0.2123% | 2,943 |
| Net operating income to assets | 0.8492% | 3,220 |
| Return on assets (ROA) | 1.4106% | 1,318 |
| Pretax return on assets | 1.4106% | 2,197 |
| Return on Equity (ROE) | 14.2787% | 1,047 |
| Retained earnings to average equity (ytd only) | 5.9216% | 2,747 |
| Net charge-offs to loans | 0.8650% | 1,271 |
| Credit loss provision to net charge-offs | 46.3918% | 4,484 |
| Earnings coverage of net charge-offs (x) | 2.3196% | 4,117 |
| Efficiency ratio | 75.0000% | 2,829 |
| Assets per employee ($millions) | 3.1094% | 5,828 |
| Cash dividends to net income (ytd only)* | 58.5286% | 1,330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0523% | 2,028 |
| Loan loss allowance to noncurrent loans | 55.8394% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 2.7872% | 1,887 |
| Noncurrent loans to loans | 3.6754% | 1,457 |
| Net loans and leases to total assets | 52.1851% | 5,019 |
| Net loans and leases to deposits | 60.0864% | 5,197 |
| Net loans and leases to core deposits | 62.2347% | 5,336 |
| Total domestic deposits to total assets | 86.8501% | 2,769 |
| Equity capital to assets | 10.2984% | 4,078 |
| Core capital (leverage) ratio | 8.9138% | 5,174 |
| Tier 1 risk-based capital ratio | 14.0439% | 4,489 |
| Total risk-based capital ratio | 15.2984% | 4,445 |
| Memoranda: | ||
| Average total assets | $28,261,000 | 6,886 |
| Average earning assets | $25,120,250 | 6,875 |
| Average equity | $2,792,000 | 6,914 |
| Average total loans | $14,952,250 | 6,747 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5407% | 3,602 |
| Cost of funding earning assets | 0.5276% | 5,442 |
| Net interest margin | 4.0131% | 2,444 |
| Noninterest income to average assets | 0.5643% | 3,496 |
| Noninterest expense to average assets | 3.2095% | 2,558 |
| Loan and lease loss provision to assets | 0.2116% | 2,957 |
| Net operating income to assets | 0.6842% | 3,954 |
| Return on assets (ROA) | 1.5236% | 1,076 |
| Pretax return on assets | 1.5236% | 1,791 |
| Return on Equity (ROE) | 15.6408% | 830 |
| Retained earnings to average equity (ytd only) | 2.9689% | 4,659 |
| Net charge-offs to loans | 1.2962% | 825 |
| Credit loss provision to net charge-offs | 30.9278% | 4,427 |
| Earnings coverage of net charge-offs (x) | 1.3093% | 4,349 |
| Efficiency ratio | 78.1787% | 2,437 |
| Assets per employee ($millions) | 3.1524% | 5,740 |
| Cash dividends to net income (ytd only)* | 81.0185% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9793% | 2,283 |
| Loan loss allowance to noncurrent loans | 493.2203% | 730 |
| Noncurrent assets plus other real estate owned to assets | 1.6953% | 3,177 |
| Noncurrent loans to loans | 0.4013% | 5,734 |
| Net loans and leases to total assets | 50.7930% | 5,252 |
| Net loans and leases to deposits | 58.1347% | 5,433 |
| Net loans and leases to core deposits | 60.1662% | 5,570 |
| Total domestic deposits to total assets | 87.3714% | 2,553 |
| Equity capital to assets | 9.7984% | 4,629 |
| Core capital (leverage) ratio | 8.7422% | 5,311 |
| Tier 1 risk-based capital ratio | 13.8352% | 4,571 |
| Total risk-based capital ratio | 15.0899% | 4,543 |
| Memoranda: | ||
| Average total assets | $28,353,000 | 6,941 |
| Average earning assets | $25,018,000 | 6,929 |
| Average equity | $2,762,000 | 6,958 |
| Average total loans | $14,966,330 | 6,802 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 3,184 |
| Cost of funding earning assets | 0.5633% | 5,405 |
| Net interest margin | 4.1038% | 2,077 |
| Noninterest income to average assets | 0.3246% | 5,273 |
| Noninterest expense to average assets | 3.1471% | 2,769 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7762% | 3,502 |
| Return on assets (ROA) | 2.3145% | 286 |
| Pretax return on assets | 2.3145% | 445 |
| Return on Equity (ROE) | 23.8286% | 220 |
| Retained earnings to average equity (ytd only) | -1.5983% | 6,226 |
| Net charge-offs to loans | 1.0067% | 1,029 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.4474% | 3,604 |
| Efficiency ratio | 80.2158% | 2,173 |
| Assets per employee ($millions) | 3.1236% | 5,912 |
| Cash dividends to net income (ytd only)* | 106.7073% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1213% | 2,051 |
| Loan loss allowance to noncurrent loans | 155.3398% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 1.9493% | 2,972 |
| Noncurrent loans to loans | 1.3656% | 4,072 |
| Net loans and leases to total assets | 52.5221% | 4,946 |
| Net loans and leases to deposits | 59.9789% | 5,148 |
| Net loans and leases to core deposits | 61.3164% | 5,404 |
| Total domestic deposits to total assets | 87.5676% | 2,609 |
| Equity capital to assets | 9.5689% | 4,695 |
| Core capital (leverage) ratio | 8.5844% | 5,461 |
| Tier 1 risk-based capital ratio | 13.2179% | 5,057 |
| Total risk-based capital ratio | 14.4756% | 5,026 |
| Memoranda: | ||
| Average total assets | $28,343,500 | 6,996 |
| Average earning assets | $24,855,000 | 6,985 |
| Average equity | $2,753,000 | 7,009 |
| Average total loans | $15,098,500 | 6,850 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 2,248 |
| Cost of funding earning assets | 0.7116% | 5,465 |
| Net interest margin | 4.4393% | 1,290 |
| Noninterest income to average assets | 0.8401% | 1,883 |
| Noninterest expense to average assets | 3.5946% | 1,757 |
| Loan and lease loss provision to assets | 0.4507% | 2,350 |
| Net operating income to assets | 0.6634% | 3,672 |
| Return on assets (ROA) | 0.8040% | 3,185 |
| Pretax return on assets | 0.8040% | 3,969 |
| Return on Equity (ROE) | 8.9393% | 2,478 |
| Retained earnings to average equity (ytd only) | 8.9393% | 822 |
| Net charge-offs to loans | 1.1062% | 1,558 |
| Credit loss provision to net charge-offs | 71.8391% | 4,781 |
| Earnings coverage of net charge-offs (x) | 1.7759% | 4,447 |
| Efficiency ratio | 76.3400% | 2,836 |
| Assets per employee ($millions) | 3.1750% | 5,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3690% | 1,509 |
| Loan loss allowance to noncurrent loans | 172.9469% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 2.0017% | 2,958 |
| Noncurrent loans to loans | 1.3698% | 4,089 |
| Net loans and leases to total assets | 51.6325% | 5,370 |
| Net loans and leases to deposits | 59.1319% | 5,584 |
| Net loans and leases to core deposits | 60.4276% | 5,805 |
| Total domestic deposits to total assets | 87.3176% | 2,570 |
| Equity capital to assets | 9.8548% | 4,364 |
| Core capital (leverage) ratio | 8.5195% | 5,528 |
| Tier 1 risk-based capital ratio | 12.8787% | 5,170 |
| Total risk-based capital ratio | 14.1366% | 5,139 |
| Memoranda: | ||
| Average total assets | $27,736,000 | 7,035 |
| Average earning assets | $24,170,400 | 7,035 |
| Average equity | $2,494,600 | 7,122 |
| Average total loans | $15,729,600 | 6,867 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1141% | 2,535 |
| Cost of funding earning assets | 0.7361% | 5,555 |
| Net interest margin | 4.3780% | 1,468 |
| Noninterest income to average assets | 0.8525% | 1,828 |
| Noninterest expense to average assets | 3.5311% | 1,856 |
| Loan and lease loss provision to assets | 0.4117% | 2,407 |
| Net operating income to assets | 0.7411% | 3,424 |
| Return on assets (ROA) | 0.9203% | 2,807 |
| Pretax return on assets | 0.9203% | 3,684 |
| Return on Equity (ROE) | 10.4931% | 2,036 |
| Retained earnings to average equity (ytd only) | 10.4931% | 730 |
| Net charge-offs to loans | 1.0829% | 1,472 |
| Credit loss provision to net charge-offs | 65.8915% | 4,610 |
| Earnings coverage of net charge-offs (x) | 1.8449% | 4,283 |
| Efficiency ratio | 75.3878% | 2,947 |
| Assets per employee ($millions) | 3.1226% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2899% | 1,708 |
| Loan loss allowance to noncurrent loans | 119.8020% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 2.5371% | 2,537 |
| Noncurrent loans to loans | 1.9114% | 3,485 |
| Net loans and leases to total assets | 55.1151% | 4,979 |
| Net loans and leases to deposits | 64.4328% | 5,114 |
| Net loans and leases to core deposits | 65.8994% | 5,425 |
| Total domestic deposits to total assets | 85.5389% | 3,468 |
| Equity capital to assets | 9.6360% | 4,880 |
| Core capital (leverage) ratio | 8.5463% | 5,645 |
| Tier 1 risk-based capital ratio | 12.4118% | 5,566 |
| Total risk-based capital ratio | 13.6718% | 5,551 |
| Memoranda: | ||
| Average total assets | $27,526,250 | 7,107 |
| Average earning assets | $24,089,500 | 7,109 |
| Average equity | $2,414,250 | 7,208 |
| Average total loans | $15,884,000 | 6,921 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1849% | 2,322 |
| Cost of funding earning assets | 0.7660% | 5,586 |
| Net interest margin | 4.4189% | 1,316 |
| Noninterest income to average assets | 0.8927% | 1,669 |
| Noninterest expense to average assets | 3.5780% | 1,793 |
| Loan and lease loss provision to assets | 0.5122% | 1,916 |
| Net operating income to assets | 0.6439% | 3,828 |
| Return on assets (ROA) | 0.9146% | 2,674 |
| Pretax return on assets | 0.9146% | 3,567 |
| Return on Equity (ROE) | 10.7929% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.7929% | 705 |
| Net charge-offs to loans | 0.1762% | 4,112 |
| Credit loss provision to net charge-offs | 500.0000% | 604 |
| Earnings coverage of net charge-offs (x) | 11.2857% | 1,730 |
| Efficiency ratio | 75.5796% | 3,092 |
| Assets per employee ($millions) | 3.1013% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8961% | 988 |
| Loan loss allowance to noncurrent loans | 72.3438% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 4.0950% | 1,564 |
| Noncurrent loans to loans | 4.0033% | 1,730 |
| Net loans and leases to total assets | 55.6177% | 5,050 |
| Net loans and leases to deposits | 63.9690% | 5,275 |
| Net loans and leases to core deposits | 65.2735% | 5,585 |
| Total domestic deposits to total assets | 86.9447% | 2,773 |
| Equity capital to assets | 8.9281% | 5,679 |
| Core capital (leverage) ratio | 8.5459% | 5,483 |
| Tier 1 risk-based capital ratio | 12.0040% | 5,784 |
| Total risk-based capital ratio | 13.2678% | 5,738 |
| Memoranda: | ||
| Average total assets | $27,334,000 | 7,179 |
| Average earning assets | $23,761,330 | 7,189 |
| Average equity | $2,316,330 | 7,289 |
| Average total loans | $15,894,670 | 6,986 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3122% | 1,827 |
| Cost of funding earning assets | 0.8028% | 5,565 |
| Net interest margin | 4.5094% | 1,051 |
| Noninterest income to average assets | 0.8726% | 1,756 |
| Noninterest expense to average assets | 3.6384% | 1,682 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1388% | 1,705 |
| Return on assets (ROA) | 1.2276% | 1,508 |
| Pretax return on assets | 1.2276% | 2,278 |
| Return on Equity (ROE) | 14.8979% | 835 |
| Retained earnings to average equity (ytd only) | 14.8979% | 399 |
| Net charge-offs to loans | -0.0757% | 7,009 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1610% | 3,138 |
| Assets per employee ($millions) | 2.9383% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5999% | 1,312 |
| Loan loss allowance to noncurrent loans | 61.3772% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 4.4318% | 1,470 |
| Noncurrent loans to loans | 4.2359% | 1,685 |
| Net loans and leases to total assets | 58.0828% | 4,635 |
| Net loans and leases to deposits | 64.6492% | 5,171 |
| Net loans and leases to core deposits | 66.2554% | 5,485 |
| Total domestic deposits to total assets | 89.8431% | 1,247 |
| Equity capital to assets | 8.7843% | 5,520 |
| Core capital (leverage) ratio | 8.4650% | 5,520 |
| Tier 1 risk-based capital ratio | 12.0193% | 5,673 |
| Total risk-based capital ratio | 13.2817% | 5,657 |
| Memoranda: | ||
| Average total assets | $27,045,000 | 7,236 |
| Average earning assets | $23,418,000 | 7,252 |
| Average equity | $2,228,500 | 7,363 |
| Average total loans | $15,848,500 | 7,042 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5936% | 1,918 |
| Cost of funding earning assets | 1.0548% | 5,399 |
| Net interest margin | 4.5388% | 1,154 |
| Noninterest income to average assets | 0.7859% | 2,349 |
| Noninterest expense to average assets | 3.8465% | 1,398 |
| Loan and lease loss provision to assets | 0.5768% | 2,823 |
| Net operating income to assets | 0.3031% | 4,928 |
| Return on assets (ROA) | 0.6885% | 3,397 |
| Pretax return on assets | 0.6921% | 4,002 |
| Return on Equity (ROE) | 8.7422% | 2,402 |
| Retained earnings to average equity (ytd only) | -0.4119% | 5,692 |
| Net charge-offs to loans | 1.2279% | 1,824 |
| Credit loss provision to net charge-offs | 73.7327% | 5,768 |
| Earnings coverage of net charge-offs (x) | 1.1244% | 4,982 |
| Efficiency ratio | 81.3883% | 2,240 |
| Assets per employee ($millions) | 3.0717% | 5,943 |
| Cash dividends to net income (ytd only)* | 104.7120% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5554% | 1,337 |
| Loan loss allowance to noncurrent loans | 57.1629% | 4,594 |
| Noncurrent assets plus other real estate owned to assets | 4.3986% | 1,517 |
| Noncurrent loans to loans | 4.4704% | 1,587 |
| Net loans and leases to total assets | 56.1404% | 5,323 |
| Net loans and leases to deposits | 61.6926% | 5,875 |
| Net loans and leases to core deposits | 63.1382% | 6,136 |
| Total domestic deposits to total assets | 91.0002% | 597 |
| Equity capital to assets | 7.7193% | 6,737 |
| Core capital (leverage) ratio | 8.0518% | 6,117 |
| Tier 1 risk-based capital ratio | 11.4221% | 5,972 |
| Total risk-based capital ratio | 12.6831% | 5,955 |
| Memoranda: | ||
| Average total assets | $27,739,800 | 7,268 |
| Average earning assets | $24,081,000 | 7,285 |
| Average equity | $2,184,800 | 7,473 |
| Average total loans | $17,672,000 | 7,047 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5611% | 2,208 |
| Cost of funding earning assets | 1.1122% | 5,365 |
| Net interest margin | 4.4489% | 1,376 |
| Noninterest income to average assets | 0.7636% | 2,427 |
| Noninterest expense to average assets | 3.8611% | 1,259 |
| Loan and lease loss provision to assets | 0.0480% | 6,600 |
| Net operating income to assets | 0.7300% | 3,284 |
| Return on assets (ROA) | 1.2486% | 1,550 |
| Pretax return on assets | 1.2534% | 2,322 |
| Return on Equity (ROE) | 15.7752% | 734 |
| Retained earnings to average equity (ytd only) | 3.6405% | 3,888 |
| Net charge-offs to loans | 0.8394% | 2,355 |
| Credit loss provision to net charge-offs | 8.7719% | 6,340 |
| Earnings coverage of net charge-offs (x) | 1.4298% | 4,659 |
| Efficiency ratio | 83.1437% | 1,935 |
| Assets per employee ($millions) | 2.9771% | 6,198 |
| Cash dividends to net income (ytd only)* | 76.9226% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1118% | 1,975 |
| Loan loss allowance to noncurrent loans | 30.9278% | 6,280 |
| Noncurrent assets plus other real estate owned to assets | 6.2290% | 939 |
| Noncurrent loans to loans | 6.8282% | 841 |
| Net loans and leases to total assets | 62.2789% | 4,466 |
| Net loans and leases to deposits | 69.6540% | 5,199 |
| Net loans and leases to core deposits | 71.3669% | 5,594 |
| Total domestic deposits to total assets | 89.4118% | 1,165 |
| Equity capital to assets | 9.1662% | 5,358 |
| Core capital (leverage) ratio | 8.3686% | 5,760 |
| Tier 1 risk-based capital ratio | 11.4920% | 5,942 |
| Total risk-based capital ratio | 12.7467% | 5,926 |
| Memoranda: | ||
| Average total assets | $27,763,500 | 7,364 |
| Average earning assets | $24,215,000 | 7,371 |
| Average equity | $2,197,500 | 7,567 |
| Average total loans | $18,108,250 | 7,112 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 2,358 |
| Cost of funding earning assets | 1.1553% | 5,375 |
| Net interest margin | 4.3870% | 1,486 |
| Noninterest income to average assets | 0.6836% | 2,797 |
| Noninterest expense to average assets | 3.8025% | 1,357 |
| Loan and lease loss provision to assets | 0.0712% | 6,237 |
| Net operating income to assets | 0.6765% | 3,506 |
| Return on assets (ROA) | 0.9613% | 2,413 |
| Pretax return on assets | 0.9613% | 3,272 |
| Return on Equity (ROE) | 12.7881% | 1,290 |
| Retained earnings to average equity (ytd only) | -6.1573% | 6,668 |
| Net charge-offs to loans | 1.2675% | 1,505 |
| Credit loss provision to net charge-offs | 8.5470% | 5,956 |
| Earnings coverage of net charge-offs (x) | 0.8974% | 4,873 |
| Efficiency ratio | 83.5681% | 1,971 |
| Assets per employee ($millions) | 2.9914% | 6,157 |
| Cash dividends to net income (ytd only)* | 148.1481% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0244% | 2,123 |
| Loan loss allowance to noncurrent loans | 27.3145% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 6.1212% | 948 |
| Noncurrent loans to loans | 7.4114% | 728 |
| Net loans and leases to total assets | 64.1756% | 4,227 |
| Net loans and leases to deposits | 71.0386% | 5,139 |
| Net loans and leases to core deposits | 72.5296% | 5,619 |
| Total domestic deposits to total assets | 90.3391% | 751 |
| Equity capital to assets | 8.2086% | 6,531 |
| Core capital (leverage) ratio | 7.6494% | 6,675 |
| Tier 1 risk-based capital ratio | 10.6801% | 6,541 |
| Total risk-based capital ratio | 11.9348% | 6,531 |
| Memoranda: | ||
| Average total assets | $28,086,670 | 7,412 |
| Average earning assets | $24,755,000 | 7,411 |
| Average equity | $2,111,330 | 7,644 |
| Average total loans | $18,462,000 | 7,153 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5404% | 2,403 |
| Cost of funding earning assets | 1.1549% | 5,637 |
| Net interest margin | 4.3855% | 1,429 |
| Noninterest income to average assets | 0.4325% | 4,637 |
| Noninterest expense to average assets | 3.7253% | 1,466 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6279% | 3,767 |
| Return on assets (ROA) | 0.6279% | 3,894 |
| Pretax return on assets | 0.6279% | 4,497 |
| Return on Equity (ROE) | 8.7294% | 2,582 |
| Retained earnings to average equity (ytd only) | -30.0679% | 7,544 |
| Net charge-offs to loans | 0.2543% | 3,417 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.7500% | 2,800 |
| Efficiency ratio | 85.5769% | 1,843 |
| Assets per employee ($millions) | 3.1519% | 5,881 |
| Cash dividends to net income (ytd only)* | 444.4444% | 54 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4055% | 1,416 |
| Loan loss allowance to noncurrent loans | 29.7760% | 6,414 |
| Noncurrent assets plus other real estate owned to assets | 6.1092% | 968 |
| Noncurrent loans to loans | 8.0788% | 665 |
| Net loans and leases to total assets | 64.6455% | 4,183 |
| Net loans and leases to deposits | 78.5185% | 3,942 |
| Net loans and leases to core deposits | 80.2363% | 4,735 |
| Total domestic deposits to total assets | 82.3316% | 4,920 |
| Equity capital to assets | 7.1068% | 7,324 |
| Core capital (leverage) ratio | 7.2149% | 7,102 |
| Tier 1 risk-based capital ratio | 9.8141% | 7,143 |
| Total risk-based capital ratio | 11.0758% | 7,132 |
| Memoranda: | ||
| Average total assets | $28,668,500 | 7,489 |
| Average earning assets | $25,630,000 | 7,472 |
| Average equity | $2,062,000 | 7,739 |
| Average total loans | $18,875,500 | 7,221 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0287% | 1,752 |
| Cost of funding earning assets | 1.4151% | 5,868 |
| Net interest margin | 4.6136% | 954 |
| Noninterest income to average assets | 0.9650% | 1,684 |
| Noninterest expense to average assets | 3.4128% | 2,633 |
| Loan and lease loss provision to assets | 1.0111% | 2,258 |
| Net operating income to assets | 0.7166% | 2,871 |
| Return on assets (ROA) | 0.7166% | 2,940 |
| Pretax return on assets | 0.7166% | 3,519 |
| Return on Equity (ROE) | 8.9452% | 2,044 |
| Retained earnings to average equity (ytd only) | -15.4105% | 6,906 |
| Net charge-offs to loans | 0.7295% | 3,009 |
| Credit loss provision to net charge-offs | 199.3007% | 1,965 |
| Earnings coverage of net charge-offs (x) | 3.4056% | 3,358 |
| Efficiency ratio | 66.3906% | 5,311 |
| Assets per employee ($millions) | 3.2189% | 5,683 |
| Cash dividends to net income (ytd only)* | 272.2772% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4471% | 1,294 |
| Loan loss allowance to noncurrent loans | 39.1561% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 4.9707% | 1,242 |
| Noncurrent loans to loans | 6.2497% | 983 |
| Net loans and leases to total assets | 63.8488% | 4,630 |
| Net loans and leases to deposits | 74.9686% | 4,877 |
| Net loans and leases to core deposits | 85.5907% | 5,559 |
| Total domestic deposits to total assets | 85.1674% | 3,471 |
| Equity capital to assets | 7.2765% | 7,216 |
| Core capital (leverage) ratio | 7.4932% | 6,795 |
| Tier 1 risk-based capital ratio | 10.2545% | 6,630 |
| Total risk-based capital ratio | 11.5176% | 6,592 |
| Memoranda: | ||
| Average total assets | $28,187,600 | 7,538 |
| Average earning assets | $25,511,400 | 7,523 |
| Average equity | $2,258,200 | 7,787 |
| Average total loans | $19,603,400 | 7,218 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1332% | 1,548 |
| Cost of funding earning assets | 1.4431% | 6,067 |
| Net interest margin | 4.6901% | 843 |
| Noninterest income to average assets | 1.0050% | 1,591 |
| Noninterest expense to average assets | 3.3390% | 2,773 |
| Loan and lease loss provision to assets | 0.4049% | 3,892 |
| Net operating income to assets | 1.5337% | 752 |
| Return on assets (ROA) | 1.5337% | 805 |
| Pretax return on assets | 1.5337% | 1,316 |
| Return on Equity (ROE) | 18.7006% | 383 |
| Retained earnings to average equity (ytd only) | -13.2414% | 7,020 |
| Net charge-offs to loans | 0.6072% | 2,855 |
| Credit loss provision to net charge-offs | 94.4444% | 5,356 |
| Earnings coverage of net charge-offs (x) | 4.5221% | 3,109 |
| Efficiency ratio | 63.2671% | 5,881 |
| Assets per employee ($millions) | 3.5400% | 4,833 |
| Cash dividends to net income (ytd only)* | 170.8097% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6123% | 2,943 |
| Loan loss allowance to noncurrent loans | 46.6863% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 3.2980% | 2,049 |
| Noncurrent loans to loans | 3.4535% | 2,165 |
| Net loans and leases to total assets | 68.3051% | 3,886 |
| Net loans and leases to deposits | 86.1994% | 3,273 |
| Net loans and leases to core deposits | 98.9969% | 4,486 |
| Total domestic deposits to total assets | 79.2408% | 5,716 |
| Equity capital to assets | 8.2874% | 6,519 |
| Core capital (leverage) ratio | 8.2018% | 6,012 |
| Tier 1 risk-based capital ratio | 10.7842% | 6,178 |
| Total risk-based capital ratio | 12.0384% | 6,139 |
| Memoranda: | ||
| Average total assets | $27,992,000 | 7,613 |
| Average earning assets | $25,500,000 | 7,590 |
| Average equity | $2,295,750 | 7,847 |
| Average total loans | $19,764,000 | 7,272 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2596% | 1,310 |
| Cost of funding earning assets | 1.4669% | 6,271 |
| Net interest margin | 4.7928% | 660 |
| Noninterest income to average assets | 1.0042% | 1,584 |
| Noninterest expense to average assets | 3.2852% | 3,025 |
| Loan and lease loss provision to assets | 0.2869% | 4,283 |
| Net operating income to assets | 1.8147% | 444 |
| Return on assets (ROA) | 1.8147% | 488 |
| Pretax return on assets | 1.8147% | 825 |
| Return on Equity (ROE) | 22.2059% | 229 |
| Retained earnings to average equity (ytd only) | -26.0678% | 7,612 |
| Net charge-offs to loans | 0.4344% | 3,069 |
| Credit loss provision to net charge-offs | 93.0233% | 4,836 |
| Earnings coverage of net charge-offs (x) | 6.8140% | 2,542 |
| Efficiency ratio | 60.9854% | 6,402 |
| Assets per employee ($millions) | 3.5079% | 4,803 |
| Cash dividends to net income (ytd only)* | 217.3913% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 2,760 |
| Loan loss allowance to noncurrent loans | 38.3413% | 5,851 |
| Noncurrent assets plus other real estate owned to assets | 2.9648% | 2,149 |
| Noncurrent loans to loans | 4.1637% | 1,599 |
| Net loans and leases to total assets | 70.0673% | 3,694 |
| Net loans and leases to deposits | 86.3890% | 3,481 |
| Net loans and leases to core deposits | 94.5700% | 5,053 |
| Total domestic deposits to total assets | 81.1068% | 5,037 |
| Equity capital to assets | 7.7219% | 7,047 |
| Core capital (leverage) ratio | 8.0577% | 6,233 |
| Tier 1 risk-based capital ratio | 10.4533% | 6,423 |
| Total risk-based capital ratio | 11.7203% | 6,349 |
| Memoranda: | ||
| Average total assets | $27,882,670 | 7,682 |
| Average earning assets | $25,496,670 | 7,656 |
| Average equity | $2,278,670 | 7,932 |
| Average total loans | $19,798,330 | 7,341 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3340% | 1,205 |
| Cost of funding earning assets | 1.5246% | 6,327 |
| Net interest margin | 4.8094% | 596 |
| Noninterest income to average assets | 0.9787% | 1,551 |
| Noninterest expense to average assets | 3.2095% | 2,946 |
| Loan and lease loss provision to assets | 0.5037% | 2,457 |
| Net operating income to assets | 1.6695% | 688 |
| Return on assets (ROA) | 1.6695% | 756 |
| Pretax return on assets | 1.6695% | 1,246 |
| Return on Equity (ROE) | 19.8758% | 432 |
| Retained earnings to average equity (ytd only) | -74.3628% | 8,101 |
| Net charge-offs to loans | 0.7307% | 1,725 |
| Credit loss provision to net charge-offs | 97.2222% | 3,857 |
| Earnings coverage of net charge-offs (x) | 4.1944% | 2,948 |
| Efficiency ratio | 59.6257% | 6,451 |
| Assets per employee ($millions) | 3.4384% | 4,973 |
| Cash dividends to net income (ytd only)* | 474.1379% | 78 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6299% | 2,402 |
| Loan loss allowance to noncurrent loans | 31.7822% | 6,429 |
| Noncurrent assets plus other real estate owned to assets | 3.6718% | 1,443 |
| Noncurrent loans to loans | 5.1285% | 1,056 |
| Net loans and leases to total assets | 70.4293% | 3,589 |
| Net loans and leases to deposits | 85.5433% | 3,711 |
| Net loans and leases to core deposits | 93.9115% | 5,159 |
| Total domestic deposits to total assets | 82.3318% | 4,426 |
| Equity capital to assets | 7.7253% | 7,155 |
| Core capital (leverage) ratio | 7.6679% | 6,929 |
| Tier 1 risk-based capital ratio | 9.8656% | 7,067 |
| Total risk-based capital ratio | 11.1210% | 6,960 |
| Memoranda: | ||
| Average total assets | $27,792,500 | 7,737 |
| Average earning assets | $25,450,000 | 7,706 |
| Average equity | $2,334,500 | 7,971 |
| Average total loans | $19,706,500 | 7,388 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7721% | 1,783 |
| Cost of funding earning assets | 1.8841% | 6,779 |
| Net interest margin | 4.8880% | 646 |
| Noninterest income to average assets | 1.1850% | 1,087 |
| Noninterest expense to average assets | 3.4924% | 2,418 |
| Loan and lease loss provision to assets | 0.2944% | 4,030 |
| Net operating income to assets | 1.8474% | 495 |
| Return on assets (ROA) | 1.8474% | 480 |
| Pretax return on assets | 1.8474% | 855 |
| Return on Equity (ROE) | 22.2755% | 242 |
| Retained earnings to average equity (ytd only) | 8.6528% | 668 |
| Net charge-offs to loans | 0.1306% | 4,926 |
| Credit loss provision to net charge-offs | 333.3333% | 1,353 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 1,378 |
| Efficiency ratio | 61.9856% | 5,951 |
| Assets per employee ($millions) | 3.5098% | 4,629 |
| Cash dividends to net income (ytd only)* | 61.1554% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6329% | 2,119 |
| Loan loss allowance to noncurrent loans | 30.4060% | 6,691 |
| Noncurrent assets plus other real estate owned to assets | 3.7716% | 1,139 |
| Noncurrent loans to loans | 5.3705% | 780 |
| Net loans and leases to total assets | 69.0826% | 4,236 |
| Net loans and leases to deposits | 83.2239% | 4,539 |
| Net loans and leases to core deposits | 91.0615% | 5,713 |
| Total domestic deposits to total assets | 83.0080% | 3,778 |
| Equity capital to assets | 9.0605% | 5,285 |
| Core capital (leverage) ratio | 9.3430% | 4,245 |
| Tier 1 risk-based capital ratio | 11.7658% | 5,009 |
| Total risk-based capital ratio | 13.0165% | 4,921 |
| Memoranda: | ||
| Average total assets | $27,173,000 | 7,759 |
| Average earning assets | $24,733,800 | 7,756 |
| Average equity | $2,253,600 | 8,058 |
| Average total loans | $18,373,800 | 7,436 |