Home > First National Bank, Cortez > Performance and Condition Ratios
First National Bank, Cortez, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9063% | 2,260 |
| Cost of funding earning assets | 0.6271% | 4,035 |
| Net interest margin | 4.2792% | 840 |
| Noninterest income to average assets | 0.3400% | 2,844 |
| Noninterest expense to average assets | 2.7383% | 1,649 |
| Loan and lease loss provision to assets | 0.1300% | 985 |
| Net operating income to assets | 1.1022% | 1,919 |
| Return on assets (ROA) | 1.1022% | 1,885 |
| Pretax return on assets | 1.4354% | 1,561 |
| Return on Equity (ROE) | 12.5800% | 1,826 |
| Retained earnings to average equity (ytd only) | 9.9587% | 1,024 |
| Net charge-offs to loans | 0.0612% | 1,241 |
| Credit loss provision to net charge-offs | 343.7500% | 865 |
| Earnings coverage of net charge-offs (x) | 42.4792% | 1,406 |
| Efficiency ratio | 63.6801% | 2,643 |
| Assets per employee ($millions) | 7.0525% | 2,039 |
| Cash dividends to net income (ytd only)* | 20.8478% | 2,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 1,772 |
| Loan loss allowance to noncurrent loans | 146.9960% | 2,880 |
| Noncurrent assets plus other real estate owned to assets | 0.5590% | 1,001 |
| Noncurrent loans to loans | 0.8833% | 856 |
| Net loans and leases to total assets | 62.4600% | 2,634 |
| Net loans and leases to deposits | 77.7482% | 2,292 |
| Net loans and leases to core deposits | 82.8609% | 2,532 |
| Total domestic deposits to total assets | 80.3300% | 3,412 |
| Equity capital to assets | 9.2159% | 2,529 |
| Core capital (leverage) ratio | 10.7758% | 2,111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.6965% | 1,138 |
| Memoranda: | ||
| Average total assets | $130,557,800 | 3,547 |
| Average earning assets | $120,722,400 | 3,538 |
| Average equity | $11,437,200 | 3,580 |
| Average total loans | $78,458,000 | 3,431 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6643% | 2,547 |
| Cost of funding earning assets | 0.4575% | 4,193 |
| Net interest margin | 4.2068% | 914 |
| Noninterest income to average assets | 0.3300% | 2,912 |
| Noninterest expense to average assets | 2.6862% | 1,708 |
| Loan and lease loss provision to assets | 0.1200% | 978 |
| Net operating income to assets | 1.0876% | 2,093 |
| Return on assets (ROA) | 1.0876% | 2,078 |
| Pretax return on assets | 1.4145% | 1,747 |
| Return on Equity (ROE) | 12.5800% | 1,984 |
| Retained earnings to average equity (ytd only) | 9.0161% | 1,685 |
| Net charge-offs to loans | 0.0850% | 879 |
| Credit loss provision to net charge-offs | 234.6939% | 1,023 |
| Earnings coverage of net charge-offs (x) | 30.4286% | 1,587 |
| Efficiency ratio | 63.6696% | 2,535 |
| Assets per employee ($millions) | 6.6974% | 2,183 |
| Cash dividends to net income (ytd only)* | 28.3554% | 2,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3053% | 1,846 |
| Loan loss allowance to noncurrent loans | 120.3895% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 875 |
| Noncurrent loans to loans | 1.0842% | 731 |
| Net loans and leases to total assets | 59.3300% | 2,906 |
| Net loans and leases to deposits | 69.7651% | 2,855 |
| Net loans and leases to core deposits | 73.4781% | 3,025 |
| Total domestic deposits to total assets | 85.0400% | 2,484 |
| Equity capital to assets | 8.4295% | 2,765 |
| Core capital (leverage) ratio | 10.5790% | 2,340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.7574% | 1,142 |
| Memoranda: | ||
| Average total assets | $129,698,000 | 3,564 |
| Average earning assets | $119,772,500 | 3,563 |
| Average equity | $11,209,250 | 3,601 |
| Average total loans | $76,874,250 | 3,462 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5568% | 2,514 |
| Cost of funding earning assets | 0.3275% | 4,276 |
| Net interest margin | 4.2293% | 894 |
| Noninterest income to average assets | 0.3800% | 2,569 |
| Noninterest expense to average assets | 2.7159% | 1,605 |
| Loan and lease loss provision to assets | 0.0900% | 1,256 |
| Net operating income to assets | 1.1381% | 2,011 |
| Return on assets (ROA) | 1.1381% | 2,005 |
| Pretax return on assets | 1.4796% | 1,636 |
| Return on Equity (ROE) | 13.0600% | 1,887 |
| Retained earnings to average equity (ytd only) | 7.6909% | 2,068 |
| Net charge-offs to loans | 0.0132% | 1,693 |
| Credit loss provision to net charge-offs | 1,100.0000% | 382 |
| Earnings coverage of net charge-offs (x) | 200.8000% | 605 |
| Efficiency ratio | 63.4377% | 2,549 |
| Assets per employee ($millions) | 6.5803% | 2,229 |
| Cash dividends to net income (ytd only)* | 41.0959% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 1,883 |
| Loan loss allowance to noncurrent loans | 116.0314% | 3,145 |
| Noncurrent assets plus other real estate owned to assets | 0.6778% | 772 |
| Noncurrent loans to loans | 1.1302% | 629 |
| Net loans and leases to total assets | 59.1900% | 2,850 |
| Net loans and leases to deposits | 67.3993% | 2,957 |
| Net loans and leases to core deposits | 70.0153% | 3,131 |
| Total domestic deposits to total assets | 87.8100% | 1,671 |
| Equity capital to assets | 8.6304% | 2,758 |
| Core capital (leverage) ratio | 10.5926% | 2,227 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5431% | 1,206 |
| Memoranda: | ||
| Average total assets | $128,281,667 | 3,588 |
| Average earning assets | $118,459,667 | 3,586 |
| Average equity | $11,182,000 | 3,617 |
| Average total loans | $75,659,333 | 3,480 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4687% | 2,392 |
| Cost of funding earning assets | 0.2426% | 4,306 |
| Net interest margin | 4.2261% | 909 |
| Noninterest income to average assets | 0.3700% | 2,592 |
| Noninterest expense to average assets | 2.7768% | 1,494 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 1.0994% | 2,229 |
| Return on assets (ROA) | 1.0994% | 2,196 |
| Pretax return on assets | 1.4216% | 1,832 |
| Return on Equity (ROE) | 12.5500% | 2,090 |
| Retained earnings to average equity (ytd only) | 1.7307% | 3,748 |
| Net charge-offs to loans | 0.0108% | 1,533 |
| Credit loss provision to net charge-offs | 1,250.0000% | 318 |
| Earnings coverage of net charge-offs (x) | 237.5000% | 448 |
| Efficiency ratio | 64.9188% | 2,340 |
| Assets per employee ($millions) | 5.9597% | 2,799 |
| Cash dividends to net income (ytd only)* | 86.2069% | 568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3515% | 1,813 |
| Loan loss allowance to noncurrent loans | 130.3618% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 0.6184% | 819 |
| Noncurrent loans to loans | 1.0367% | 703 |
| Net loans and leases to total assets | 58.8500% | 2,778 |
| Net loans and leases to deposits | 65.0503% | 3,008 |
| Net loans and leases to core deposits | 67.4722% | 3,138 |
| Total domestic deposits to total assets | 90.4600% | 992 |
| Equity capital to assets | 8.9897% | 2,529 |
| Core capital (leverage) ratio | 10.4445% | 2,294 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.8816% | 1,176 |
| Memoranda: | ||
| Average total assets | $126,620,000 | 3,649 |
| Average earning assets | $117,082,000 | 3,644 |
| Average equity | $11,094,000 | 3,664 |
| Average total loans | $74,025,500 | 3,540 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6396% | 2,223 |
| Cost of funding earning assets | 0.2515% | 2,686 |
| Net interest margin | 3.3881% | 2,011 |
| Noninterest income to average assets | 0.3500% | 3,046 |
| Noninterest expense to average assets | 2.5301% | 1,928 |
| Loan and lease loss provision to assets | -0.0200% | 4,406 |
| Net operating income to assets | 0.7833% | 3,319 |
| Return on assets (ROA) | -0.0617% | 4,593 |
| Pretax return on assets | -0.0940% | 4,595 |
| Return on Equity (ROE) | -0.7400% | 4,580 |
| Retained earnings to average equity (ytd only) | -4.2767% | 4,583 |
| Net charge-offs to loans | 0.0101% | 1,743 |
| Credit loss provision to net charge-offs | -400.0000% | 4,685 |
| Earnings coverage of net charge-offs (x) | 195.2000% | 631 |
| Efficiency ratio | 72.5766% | 1,436 |
| Assets per employee ($millions) | 6.6644% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4104% | 1,576 |
| Loan loss allowance to noncurrent loans | 110.0999% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.6438% | 817 |
| Noncurrent loans to loans | 1.2810% | 573 |
| Net loans and leases to total assets | 49.5500% | 3,494 |
| Net loans and leases to deposits | 56.2279% | 3,458 |
| Net loans and leases to core deposits | 58.4561% | 3,472 |
| Total domestic deposits to total assets | 88.1200% | 2,387 |
| Equity capital to assets | 7.2274% | 3,386 |
| Core capital (leverage) ratio | 9.1360% | 3,467 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.4115% | 1,312 |
| Memoranda: | ||
| Average total assets | $136,119,750 | 3,599 |
| Average earning assets | $126,165,500 | 3,590 |
| Average equity | $11,316,750 | 3,777 |
| Average total loans | $66,031,000 | 3,664 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5144% | 2,092 |
| Cost of funding earning assets | 0.2509% | 2,256 |
| Net interest margin | 3.2635% | 2,016 |
| Noninterest income to average assets | 0.3367% | 3,140 |
| Noninterest expense to average assets | 2.5660% | 1,737 |
| Loan and lease loss provision to assets | -0.0297% | 4,466 |
| Net operating income to assets | 0.6744% | 3,397 |
| Return on assets (ROA) | -0.2032% | 4,612 |
| Pretax return on assets | -0.2818% | 4,620 |
| Return on Equity (ROE) | -2.3384% | 4,625 |
| Retained earnings to average equity (ytd only) | -7.4590% | 4,605 |
| Net charge-offs to loans | 0.0062% | 1,774 |
| Credit loss provision to net charge-offs | -1,000.0000% | 3,534 |
| Earnings coverage of net charge-offs (x) | 269.5000% | 437 |
| Efficiency ratio | 76.2450% | 1,251 |
| Assets per employee ($millions) | 6.5477% | 2,277 |
| Cash dividends to net income (ytd only)* | -218.9781% | 4,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4752% | 1,473 |
| Loan loss allowance to noncurrent loans | 107.3355% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6742% | 811 |
| Noncurrent loans to loans | 1.3744% | 555 |
| Net loans and leases to total assets | 48.3284% | 3,525 |
| Net loans and leases to deposits | 55.2643% | 3,442 |
| Net loans and leases to core deposits | 57.2536% | 3,476 |
| Total domestic deposits to total assets | 87.4495% | 2,783 |
| Equity capital to assets | 7.7912% | 3,277 |
| Core capital (leverage) ratio | 9.3553% | 3,067 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5880% | 1,288 |
| Memoranda: | ||
| Average total assets | $134,842,000 | 3,650 |
| Average earning assets | $125,142,667 | 3,647 |
| Average equity | $11,717,333 | 3,812 |
| Average total loans | $64,596,333 | 3,715 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4362% | 1,986 |
| Cost of funding earning assets | 0.2512% | 2,141 |
| Net interest margin | 3.1850% | 1,930 |
| Noninterest income to average assets | 0.3296% | 3,129 |
| Noninterest expense to average assets | 2.6544% | 1,469 |
| Loan and lease loss provision to assets | -0.0599% | 4,533 |
| Net operating income to assets | 0.5835% | 3,454 |
| Return on assets (ROA) | -0.4224% | 4,682 |
| Pretax return on assets | -0.5752% | 4,686 |
| Return on Equity (ROE) | -4.6156% | 4,699 |
| Retained earnings to average equity (ytd only) | -14.4359% | 4,636 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6187% | 1,098 |
| Assets per employee ($millions) | 6.0488% | 2,762 |
| Cash dividends to net income (ytd only)* | -212.7660% | 4,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5882% | 1,308 |
| Loan loss allowance to noncurrent loans | 107.2043% | 3,315 |
| Noncurrent assets plus other real estate owned to assets | 0.6989% | 813 |
| Noncurrent loans to loans | 1.4814% | 563 |
| Net loans and leases to total assets | 46.4256% | 3,543 |
| Net loans and leases to deposits | 53.7666% | 3,433 |
| Net loans and leases to core deposits | 55.9196% | 3,452 |
| Total domestic deposits to total assets | 86.3466% | 3,152 |
| Equity capital to assets | 8.6734% | 3,001 |
| Core capital (leverage) ratio | 9.2116% | 3,128 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4199% | 1,162 |
| Memoranda: | ||
| Average total assets | $133,512,500 | 3,686 |
| Average earning assets | $124,206,500 | 3,669 |
| Average equity | $12,219,500 | 3,839 |
| Average total loans | $63,171,000 | 3,741 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6788% | 2,178 |
| Cost of funding earning assets | 0.2728% | 2,678 |
| Net interest margin | 3.4061% | 2,005 |
| Noninterest income to average assets | 0.3604% | 3,275 |
| Noninterest expense to average assets | 2.6117% | 1,838 |
| Loan and lease loss provision to assets | 0.0159% | 2,762 |
| Net operating income to assets | 0.6899% | 3,653 |
| Return on assets (ROA) | 0.5831% | 3,954 |
| Pretax return on assets | 0.7565% | 3,824 |
| Return on Equity (ROE) | 5.7630% | 3,829 |
| Retained earnings to average equity (ytd only) | 3.6009% | 3,382 |
| Net charge-offs to loans | -0.0015% | 3,328 |
| Credit loss provision to net charge-offs | -2,000.0000% | 4,052 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2089% | 1,281 |
| Assets per employee ($millions) | 6.3787% | 2,425 |
| Cash dividends to net income (ytd only)* | 37.5171% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 1,257 |
| Loan loss allowance to noncurrent loans | 108.4222% | 3,323 |
| Noncurrent assets plus other real estate owned to assets | 0.7003% | 907 |
| Noncurrent loans to loans | 1.4757% | 619 |
| Net loans and leases to total assets | 46.6943% | 3,636 |
| Net loans and leases to deposits | 54.6457% | 3,546 |
| Net loans and leases to core deposits | 56.5058% | 3,581 |
| Total domestic deposits to total assets | 85.4493% | 3,109 |
| Equity capital to assets | 9.6281% | 3,019 |
| Core capital (leverage) ratio | 9.9042% | 2,459 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.0501% | 1,032 |
| Memoranda: | ||
| Average total assets | $125,705,400 | 3,737 |
| Average earning assets | $116,586,600 | 3,728 |
| Average equity | $12,719,000 | 3,855 |
| Average total loans | $64,915,200 | 3,747 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7619% | 2,115 |
| Cost of funding earning assets | 0.2784% | 2,818 |
| Net interest margin | 3.4836% | 1,916 |
| Noninterest income to average assets | 0.3602% | 3,302 |
| Noninterest expense to average assets | 2.6495% | 1,709 |
| Loan and lease loss provision to assets | 0.0218% | 2,559 |
| Net operating income to assets | 0.7091% | 3,744 |
| Return on assets (ROA) | 0.6222% | 4,017 |
| Pretax return on assets | 0.8044% | 3,884 |
| Return on Equity (ROE) | 6.0698% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.1769% | 3,840 |
| Net charge-offs to loans | 0.0409% | 1,277 |
| Credit loss provision to net charge-offs | 100.0000% | 1,571 |
| Earnings coverage of net charge-offs (x) | 43.4000% | 1,314 |
| Efficiency ratio | 73.8947% | 1,223 |
| Assets per employee ($millions) | 6.1311% | 2,564 |
| Cash dividends to net income (ytd only)* | 47.6603% | 1,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 1,405 |
| Loan loss allowance to noncurrent loans | 90.5455% | 3,501 |
| Noncurrent assets plus other real estate owned to assets | 0.8543% | 817 |
| Noncurrent loans to loans | 1.7394% | 572 |
| Net loans and leases to total assets | 48.3453% | 3,595 |
| Net loans and leases to deposits | 56.9591% | 3,492 |
| Net loans and leases to core deposits | 58.9898% | 3,548 |
| Total domestic deposits to total assets | 84.8772% | 3,158 |
| Equity capital to assets | 9.9835% | 2,920 |
| Core capital (leverage) ratio | 9.9600% | 2,557 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8880% | 1,153 |
| Memoranda: | ||
| Average total assets | $123,643,750 | 3,799 |
| Average earning assets | $114,477,500 | 3,795 |
| Average equity | $12,674,500 | 3,919 |
| Average total loans | $65,252,750 | 3,790 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6767% | 2,402 |
| Cost of funding earning assets | 0.2839% | 2,934 |
| Net interest margin | 3.3928% | 2,158 |
| Noninterest income to average assets | 0.3592% | 3,309 |
| Noninterest expense to average assets | 2.6898% | 1,615 |
| Loan and lease loss provision to assets | 0.0328% | 2,324 |
| Net operating income to assets | 0.5982% | 3,988 |
| Return on assets (ROA) | 0.5101% | 4,243 |
| Pretax return on assets | 0.6610% | 4,143 |
| Return on Equity (ROE) | 4.9308% | 4,135 |
| Retained earnings to average equity (ytd only) | 0.5708% | 4,416 |
| Net charge-offs to loans | 0.0637% | 978 |
| Credit loss provision to net charge-offs | 95.2381% | 1,412 |
| Earnings coverage of net charge-offs (x) | 23.3810% | 1,464 |
| Efficiency ratio | 76.9592% | 995 |
| Assets per employee ($millions) | 5.7379% | 2,858 |
| Cash dividends to net income (ytd only)* | 88.4244% | 383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4866% | 1,636 |
| Loan loss allowance to noncurrent loans | 66.1344% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.1906% | 578 |
| Noncurrent loans to loans | 2.2478% | 395 |
| Net loans and leases to total assets | 52.1809% | 3,327 |
| Net loans and leases to deposits | 61.5792% | 3,239 |
| Net loans and leases to core deposits | 63.6671% | 3,315 |
| Total domestic deposits to total assets | 84.7379% | 3,203 |
| Equity capital to assets | 10.0219% | 2,832 |
| Core capital (leverage) ratio | 9.8772% | 2,522 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4913% | 1,228 |
| Memoranda: | ||
| Average total assets | $121,940,667 | 3,835 |
| Average earning assets | $112,710,333 | 3,828 |
| Average equity | $12,614,667 | 3,930 |
| Average total loans | $65,923,000 | 3,796 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6033% | 2,630 |
| Cost of funding earning assets | 0.2927% | 3,074 |
| Net interest margin | 3.3106% | 2,357 |
| Noninterest income to average assets | 0.3573% | 3,298 |
| Noninterest expense to average assets | 2.7581% | 1,470 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5181% | 4,138 |
| Return on assets (ROA) | 0.2938% | 4,560 |
| Pretax return on assets | 0.3740% | 4,523 |
| Return on Equity (ROE) | 2.7944% | 4,508 |
| Retained earnings to average equity (ytd only) | -5.9382% | 4,730 |
| Net charge-offs to loans | 0.0672% | 870 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | 17.9091% | 1,286 |
| Efficiency ratio | 80.7429% | 774 |
| Assets per employee ($millions) | 5.5620% | 3,053 |
| Cash dividends to net income (ytd only)* | 312.5000% | 48 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5170% | 1,547 |
| Loan loss allowance to noncurrent loans | 56.6820% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.4187% | 470 |
| Noncurrent loans to loans | 2.6762% | 325 |
| Net loans and leases to total assets | 52.2069% | 3,427 |
| Net loans and leases to deposits | 61.8027% | 3,336 |
| Net loans and leases to core deposits | 64.5315% | 3,365 |
| Total domestic deposits to total assets | 84.4735% | 3,288 |
| Equity capital to assets | 10.1761% | 2,534 |
| Core capital (leverage) ratio | 10.3902% | 2,170 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2564% | 1,230 |
| Memoranda: | ||
| Average total assets | $119,794,000 | 3,864 |
| Average earning assets | $110,675,000 | 3,863 |
| Average equity | $12,596,500 | 3,943 |
| Average total loans | $65,452,500 | 3,822 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2024% | 2,129 |
| Cost of funding earning assets | 0.3340% | 3,956 |
| Net interest margin | 3.8683% | 1,313 |
| Noninterest income to average assets | 0.3780% | 3,223 |
| Noninterest expense to average assets | 2.9936% | 1,455 |
| Loan and lease loss provision to assets | 0.0496% | 3,766 |
| Net operating income to assets | 0.6720% | 3,515 |
| Return on assets (ROA) | 0.7768% | 3,308 |
| Pretax return on assets | 1.0096% | 3,017 |
| Return on Equity (ROE) | 6.9605% | 3,222 |
| Retained earnings to average equity (ytd only) | 4.1310% | 2,746 |
| Net charge-offs to loans | 0.0077% | 3,057 |
| Credit loss provision to net charge-offs | 1,100.0000% | 731 |
| Earnings coverage of net charge-offs (x) | 205.4000% | 461 |
| Efficiency ratio | 76.3636% | 1,184 |
| Assets per employee ($millions) | 5.3283% | 3,019 |
| Cash dividends to net income (ytd only)* | 40.6504% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5067% | 1,558 |
| Loan loss allowance to noncurrent loans | 88.6020% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.9580% | 1,009 |
| Noncurrent loans to loans | 1.7005% | 748 |
| Net loans and leases to total assets | 55.4866% | 3,348 |
| Net loans and leases to deposits | 66.4192% | 3,232 |
| Net loans and leases to core deposits | 69.9395% | 3,256 |
| Total domestic deposits to total assets | 83.5399% | 3,252 |
| Equity capital to assets | 10.8690% | 2,369 |
| Core capital (leverage) ratio | 10.8249% | 1,916 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5448% | 1,140 |
| Memoranda: | ||
| Average total assets | $110,838,000 | 3,871 |
| Average earning assets | $101,490,400 | 3,876 |
| Average equity | $12,369,800 | 3,937 |
| Average total loans | $64,909,000 | 3,833 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3558% | 1,961 |
| Cost of funding earning assets | 0.3396% | 4,105 |
| Net interest margin | 4.0162% | 1,079 |
| Noninterest income to average assets | 0.3808% | 3,180 |
| Noninterest expense to average assets | 3.0305% | 1,376 |
| Loan and lease loss provision to assets | 0.0668% | 3,499 |
| Net operating income to assets | 0.7266% | 3,366 |
| Return on assets (ROA) | 0.8519% | 3,029 |
| Pretax return on assets | 1.1082% | 2,716 |
| Return on Equity (ROE) | 7.5804% | 2,972 |
| Retained earnings to average equity (ytd only) | 3.7793% | 3,153 |
| Net charge-offs to loans | 0.0062% | 2,913 |
| Credit loss provision to net charge-offs | 1,833.3333% | 517 |
| Earnings coverage of net charge-offs (x) | 277.6667% | 386 |
| Efficiency ratio | 74.8794% | 1,316 |
| Assets per employee ($millions) | 4.9206% | 3,351 |
| Cash dividends to net income (ytd only)* | 50.1433% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 1,299 |
| Loan loss allowance to noncurrent loans | 71.0320% | 3,718 |
| Noncurrent assets plus other real estate owned to assets | 1.2415% | 788 |
| Noncurrent loans to loans | 2.1571% | 551 |
| Net loans and leases to total assets | 56.6711% | 3,553 |
| Net loans and leases to deposits | 68.2265% | 3,449 |
| Net loans and leases to core deposits | 71.7135% | 3,496 |
| Total domestic deposits to total assets | 83.0632% | 3,133 |
| Equity capital to assets | 11.1236% | 2,303 |
| Core capital (leverage) ratio | 11.0013% | 1,891 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.4406% | 1,152 |
| Memoranda: | ||
| Average total assets | $109,241,750 | 3,884 |
| Average earning assets | $99,727,000 | 3,894 |
| Average equity | $12,277,000 | 3,953 |
| Average total loans | $64,626,750 | 3,853 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 2,137 |
| Cost of funding earning assets | 0.3395% | 4,314 |
| Net interest margin | 4.0868% | 1,143 |
| Noninterest income to average assets | 0.3762% | 3,224 |
| Noninterest expense to average assets | 3.0723% | 1,421 |
| Loan and lease loss provision to assets | 0.1019% | 2,987 |
| Net operating income to assets | 0.7092% | 3,367 |
| Return on assets (ROA) | 0.8746% | 2,909 |
| Pretax return on assets | 1.1359% | 2,594 |
| Return on Equity (ROE) | 7.7549% | 2,841 |
| Retained earnings to average equity (ytd only) | 2.0044% | 3,752 |
| Net charge-offs to loans | 0.0031% | 2,885 |
| Credit loss provision to net charge-offs | 5,500.0000% | 213 |
| Earnings coverage of net charge-offs (x) | 555.0000% | 184 |
| Efficiency ratio | 74.9209% | 1,376 |
| Assets per employee ($millions) | 4.6642% | 3,576 |
| Cash dividends to net income (ytd only)* | 74.1525% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5313% | 1,173 |
| Loan loss allowance to noncurrent loans | 87.6424% | 3,398 |
| Noncurrent assets plus other real estate owned to assets | 1.0193% | 1,173 |
| Noncurrent loans to loans | 1.7472% | 818 |
| Net loans and leases to total assets | 57.4451% | 3,559 |
| Net loans and leases to deposits | 69.0913% | 3,490 |
| Net loans and leases to core deposits | 72.6525% | 3,547 |
| Total domestic deposits to total assets | 83.1436% | 3,046 |
| Equity capital to assets | 11.0666% | 2,280 |
| Core capital (leverage) ratio | 11.0304% | 1,933 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2716% | 1,184 |
| Memoranda: | ||
| Average total assets | $107,931,000 | 3,894 |
| Average earning assets | $98,365,667 | 3,900 |
| Average equity | $12,173,000 | 3,965 |
| Average total loans | $64,457,333 | 3,866 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5179% | 2,263 |
| Cost of funding earning assets | 0.3453% | 4,534 |
| Net interest margin | 4.1726% | 974 |
| Noninterest income to average assets | 0.4154% | 3,001 |
| Noninterest expense to average assets | 3.0814% | 1,687 |
| Loan and lease loss provision to assets | 0.1133% | 2,268 |
| Net operating income to assets | 0.7726% | 3,012 |
| Return on assets (ROA) | 0.9516% | 2,445 |
| Pretax return on assets | 1.2348% | 2,087 |
| Return on Equity (ROE) | 8.3544% | 2,363 |
| Retained earnings to average equity (ytd only) | -3.2489% | 4,377 |
| Net charge-offs to loans | 0.0125% | 2,134 |
| Credit loss provision to net charge-offs | 1,500.0000% | 424 |
| Earnings coverage of net charge-offs (x) | 148.5000% | 434 |
| Efficiency ratio | 73.3154% | 1,904 |
| Assets per employee ($millions) | 4.5920% | 3,137 |
| Cash dividends to net income (ytd only)* | 138.8889% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4910% | 1,377 |
| Loan loss allowance to noncurrent loans | 109.6956% | 3,097 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 1,597 |
| Noncurrent loans to loans | 1.3592% | 1,183 |
| Net loans and leases to total assets | 60.8664% | 3,415 |
| Net loans and leases to deposits | 73.9568% | 3,280 |
| Net loans and leases to core deposits | 77.2969% | 3,400 |
| Total domestic deposits to total assets | 82.2999% | 3,331 |
| Equity capital to assets | 11.5533% | 2,394 |
| Core capital (leverage) ratio | 11.4138% | 2,145 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.1116% | 1,324 |
| Memoranda: | ||
| Average total assets | $105,926,500 | 3,905 |
| Average earning assets | $96,151,000 | 3,923 |
| Average equity | $12,065,500 | 3,990 |
| Average total loans | $64,034,000 | 3,883 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6301% | 2,518 |
| Cost of funding earning assets | 0.3788% | 4,511 |
| Net interest margin | 4.2513% | 1,202 |
| Noninterest income to average assets | 0.4159% | 3,202 |
| Noninterest expense to average assets | 2.9064% | 2,276 |
| Loan and lease loss provision to assets | 0.2525% | 717 |
| Net operating income to assets | 0.9048% | 3,193 |
| Return on assets (ROA) | 0.9737% | 3,023 |
| Pretax return on assets | 1.2411% | 2,698 |
| Return on Equity (ROE) | 9.2701% | 2,625 |
| Retained earnings to average equity (ytd only) | 6.6189% | 1,556 |
| Net charge-offs to loans | 0.4220% | 459 |
| Credit loss provision to net charge-offs | 107.9365% | 2,306 |
| Earnings coverage of net charge-offs (x) | 6.0119% | 3,017 |
| Efficiency ratio | 67.3913% | 2,546 |
| Assets per employee ($millions) | 4.8290% | 2,800 |
| Cash dividends to net income (ytd only)* | 28.5987% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5045% | 1,220 |
| Loan loss allowance to noncurrent loans | 81.4655% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 1,123 |
| Noncurrent loans to loans | 1.8468% | 725 |
| Net loans and leases to total assets | 58.2334% | 3,754 |
| Net loans and leases to deposits | 70.3031% | 3,645 |
| Net loans and leases to core deposits | 72.8890% | 3,802 |
| Total domestic deposits to total assets | 82.8319% | 3,255 |
| Equity capital to assets | 11.2286% | 2,782 |
| Core capital (leverage) ratio | 11.0045% | 2,498 |
| Tier 1 risk-based capital ratio | 16.5577% | 2,198 |
| Total risk-based capital ratio | 17.8083% | 2,138 |
| Memoranda: | ||
| Average total assets | $107,728,200 | 3,863 |
| Average earning assets | $98,745,200 | 3,893 |
| Average equity | $11,316,000 | 4,078 |
| Average total loans | $59,717,000 | 3,991 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5546% | 2,880 |
| Cost of funding earning assets | 0.3885% | 4,537 |
| Net interest margin | 4.1661% | 1,457 |
| Noninterest income to average assets | 0.4132% | 3,238 |
| Noninterest expense to average assets | 2.8491% | 2,408 |
| Loan and lease loss provision to assets | 0.2306% | 734 |
| Net operating income to assets | 0.9093% | 3,315 |
| Return on assets (ROA) | 1.0262% | 2,959 |
| Pretax return on assets | 1.3037% | 2,658 |
| Return on Equity (ROE) | 9.9376% | 2,458 |
| Retained earnings to average equity (ytd only) | 6.3543% | 2,197 |
| Net charge-offs to loans | 0.4434% | 378 |
| Credit loss provision to net charge-offs | 95.4082% | 2,342 |
| Earnings coverage of net charge-offs (x) | 5.7346% | 2,894 |
| Efficiency ratio | 67.2685% | 2,531 |
| Assets per employee ($millions) | 4.7741% | 2,824 |
| Cash dividends to net income (ytd only)* | 36.0575% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 1,168 |
| Loan loss allowance to noncurrent loans | 116.8367% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.7577% | 1,810 |
| Noncurrent loans to loans | 1.3082% | 1,182 |
| Net loans and leases to total assets | 53.7444% | 4,203 |
| Net loans and leases to deposits | 64.3197% | 4,155 |
| Net loans and leases to core deposits | 66.3951% | 4,252 |
| Total domestic deposits to total assets | 83.5581% | 2,975 |
| Equity capital to assets | 10.6826% | 3,393 |
| Core capital (leverage) ratio | 10.8210% | 2,816 |
| Tier 1 risk-based capital ratio | 16.5623% | 2,243 |
| Total risk-based capital ratio | 17.8138% | 2,173 |
| Memoranda: | ||
| Average total assets | $108,100,750 | 3,897 |
| Average earning assets | $99,178,500 | 3,922 |
| Average equity | $11,162,750 | 4,135 |
| Average total loans | $58,943,500 | 4,052 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5717% | 2,767 |
| Cost of funding earning assets | 0.3810% | 4,579 |
| Net interest margin | 4.1907% | 1,392 |
| Noninterest income to average assets | 0.4092% | 3,217 |
| Noninterest expense to average assets | 2.8363% | 2,461 |
| Loan and lease loss provision to assets | 0.3478% | 374 |
| Net operating income to assets | 0.8437% | 3,494 |
| Return on assets (ROA) | 0.9950% | 3,005 |
| Pretax return on assets | 1.2629% | 2,699 |
| Return on Equity (ROE) | 9.7506% | 2,507 |
| Retained earnings to average equity (ytd only) | 4.2830% | 3,111 |
| Net charge-offs to loans | 0.6585% | 231 |
| Credit loss provision to net charge-offs | 96.8912% | 2,050 |
| Earnings coverage of net charge-offs (x) | 3.9534% | 2,781 |
| Efficiency ratio | 66.6521% | 2,721 |
| Assets per employee ($millions) | 4.9729% | 2,512 |
| Cash dividends to net income (ytd only)* | 56.0748% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 1,136 |
| Loan loss allowance to noncurrent loans | 116.4557% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7660% | 1,818 |
| Noncurrent loans to loans | 1.3301% | 1,173 |
| Net loans and leases to total assets | 53.4473% | 4,249 |
| Net loans and leases to deposits | 63.7475% | 4,239 |
| Net loans and leases to core deposits | 65.8013% | 4,327 |
| Total domestic deposits to total assets | 83.8423% | 2,936 |
| Equity capital to assets | 10.4632% | 3,547 |
| Core capital (leverage) ratio | 10.4602% | 3,136 |
| Tier 1 risk-based capital ratio | 16.1898% | 2,333 |
| Total risk-based capital ratio | 17.4411% | 2,284 |
| Memoranda: | ||
| Average total assets | $107,532,670 | 3,932 |
| Average earning assets | $98,695,000 | 3,945 |
| Average equity | $10,973,670 | 4,178 |
| Average total loans | $58,614,670 | 4,079 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4542% | 3,036 |
| Cost of funding earning assets | 0.3640% | 4,626 |
| Net interest margin | 4.0902% | 1,572 |
| Noninterest income to average assets | 0.4053% | 3,150 |
| Noninterest expense to average assets | 2.9044% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9837% | 2,908 |
| Return on assets (ROA) | 1.0845% | 2,573 |
| Pretax return on assets | 1.3809% | 2,151 |
| Return on Equity (ROE) | 10.7665% | 2,043 |
| Retained earnings to average equity (ytd only) | -0.4098% | 4,588 |
| Net charge-offs to loans | 0.0206% | 2,041 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 111.3333% | 621 |
| Efficiency ratio | 69.8556% | 2,365 |
| Assets per employee ($millions) | 4.8352% | 2,737 |
| Cash dividends to net income (ytd only)* | 103.8062% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5962% | 1,068 |
| Loan loss allowance to noncurrent loans | 97.2632% | 3,415 |
| Noncurrent assets plus other real estate owned to assets | 0.9382% | 1,498 |
| Noncurrent loans to loans | 1.6411% | 958 |
| Net loans and leases to total assets | 53.5511% | 4,232 |
| Net loans and leases to deposits | 63.8528% | 4,187 |
| Net loans and leases to core deposits | 65.9668% | 4,282 |
| Total domestic deposits to total assets | 83.8665% | 3,093 |
| Equity capital to assets | 10.2816% | 3,540 |
| Core capital (leverage) ratio | 10.4607% | 3,090 |
| Tier 1 risk-based capital ratio | 16.4255% | 2,295 |
| Total risk-based capital ratio | 17.6776% | 2,237 |
| Memoranda: | ||
| Average total assets | $106,597,500 | 3,990 |
| Average earning assets | $97,794,500 | 4,011 |
| Average equity | $10,737,000 | 4,233 |
| Average total loans | $58,225,500 | 4,128 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3113% | 3,066 |
| Cost of funding earning assets | 0.2677% | 4,723 |
| Net interest margin | 4.0437% | 1,850 |
| Noninterest income to average assets | 0.4218% | 3,300 |
| Noninterest expense to average assets | 2.8653% | 2,465 |
| Loan and lease loss provision to assets | 0.1102% | 1,991 |
| Net operating income to assets | 0.8973% | 3,446 |
| Return on assets (ROA) | 0.8973% | 3,437 |
| Pretax return on assets | 1.1388% | 3,138 |
| Return on Equity (ROE) | 9.2578% | 2,852 |
| Retained earnings to average equity (ytd only) | 6.7851% | 1,764 |
| Net charge-offs to loans | 0.0498% | 2,441 |
| Credit loss provision to net charge-offs | 425.9259% | 786 |
| Earnings coverage of net charge-offs (x) | 48.2593% | 1,157 |
| Efficiency ratio | 69.6412% | 2,256 |
| Assets per employee ($millions) | 4.8555% | 2,673 |
| Cash dividends to net income (ytd only)* | 26.7094% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5812% | 1,068 |
| Loan loss allowance to noncurrent loans | 84.1818% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 1.0747% | 1,256 |
| Noncurrent loans to loans | 1.8784% | 737 |
| Net loans and leases to total assets | 53.9562% | 4,281 |
| Net loans and leases to deposits | 64.1048% | 4,251 |
| Net loans and leases to core deposits | 66.2148% | 4,340 |
| Total domestic deposits to total assets | 84.1687% | 2,950 |
| Equity capital to assets | 9.8643% | 3,801 |
| Core capital (leverage) ratio | 10.4901% | 3,038 |
| Tier 1 risk-based capital ratio | 16.2300% | 2,330 |
| Total risk-based capital ratio | 17.4820% | 2,273 |
| Memoranda: | ||
| Average total assets | $104,316,600 | 4,028 |
| Average earning assets | $95,260,200 | 4,047 |
| Average equity | $10,110,400 | 4,281 |
| Average total loans | $54,196,000 | 4,221 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2744% | 3,061 |
| Cost of funding earning assets | 0.2565% | 4,753 |
| Net interest margin | 4.0179% | 1,901 |
| Noninterest income to average assets | 0.4153% | 3,384 |
| Noninterest expense to average assets | 2.8841% | 2,355 |
| Loan and lease loss provision to assets | 0.0514% | 2,957 |
| Net operating income to assets | 0.9027% | 3,511 |
| Return on assets (ROA) | 0.9027% | 3,517 |
| Pretax return on assets | 1.1457% | 3,213 |
| Return on Equity (ROE) | 9.3563% | 2,929 |
| Retained earnings to average equity (ytd only) | 6.0242% | 2,646 |
| Net charge-offs to loans | 0.0653% | 1,898 |
| Credit loss provision to net charge-offs | 153.8462% | 1,669 |
| Earnings coverage of net charge-offs (x) | 35.8033% | 1,443 |
| Efficiency ratio | 70.6679% | 2,094 |
| Assets per employee ($millions) | 4.8014% | 2,719 |
| Cash dividends to net income (ytd only)* | 35.6129% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 1,128 |
| Loan loss allowance to noncurrent loans | 91.3276% | 3,608 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 1,582 |
| Noncurrent loans to loans | 1.7275% | 899 |
| Net loans and leases to total assets | 50.3782% | 4,566 |
| Net loans and leases to deposits | 59.5519% | 4,575 |
| Net loans and leases to core deposits | 61.5231% | 4,633 |
| Total domestic deposits to total assets | 84.5954% | 2,763 |
| Equity capital to assets | 9.4272% | 4,157 |
| Core capital (leverage) ratio | 10.4571% | 3,125 |
| Tier 1 risk-based capital ratio | 16.6762% | 2,213 |
| Total risk-based capital ratio | 17.9265% | 2,157 |
| Memoranda: | ||
| Average total assets | $103,690,750 | 4,084 |
| Average earning assets | $94,607,000 | 4,101 |
| Average equity | $10,003,750 | 4,333 |
| Average total loans | $53,104,500 | 4,289 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2541% | 2,930 |
| Cost of funding earning assets | 0.2418% | 4,790 |
| Net interest margin | 4.0123% | 1,819 |
| Noninterest income to average assets | 0.4154% | 3,386 |
| Noninterest expense to average assets | 2.9386% | 2,235 |
| Loan and lease loss provision to assets | 0.0388% | 3,131 |
| Net operating income to assets | 0.8754% | 3,559 |
| Return on assets (ROA) | 0.8754% | 3,563 |
| Pretax return on assets | 1.1102% | 3,269 |
| Return on Equity (ROE) | 9.0029% | 3,017 |
| Retained earnings to average equity (ytd only) | 4.0124% | 3,609 |
| Net charge-offs to loans | 0.0568% | 1,793 |
| Credit loss provision to net charge-offs | 133.3333% | 1,692 |
| Earnings coverage of net charge-offs (x) | 39.4667% | 1,312 |
| Efficiency ratio | 71.8898% | 2,025 |
| Assets per employee ($millions) | 4.7457% | 2,755 |
| Cash dividends to net income (ytd only)* | 55.4324% | 1,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 1,211 |
| Loan loss allowance to noncurrent loans | 99.5277% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8572% | 1,743 |
| Noncurrent loans to loans | 1.5673% | 1,044 |
| Net loans and leases to total assets | 50.9549% | 4,547 |
| Net loans and leases to deposits | 58.2899% | 4,624 |
| Net loans and leases to core deposits | 60.1749% | 4,695 |
| Total domestic deposits to total assets | 87.4164% | 1,678 |
| Equity capital to assets | 9.4707% | 4,135 |
| Core capital (leverage) ratio | 10.4652% | 3,071 |
| Tier 1 risk-based capital ratio | 16.0155% | 2,431 |
| Total risk-based capital ratio | 17.2663% | 2,370 |
| Memoranda: | ||
| Average total assets | $103,044,000 | 4,129 |
| Average earning assets | $94,309,330 | 4,141 |
| Average equity | $10,019,000 | 4,378 |
| Average total loans | $52,783,330 | 4,330 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 2,606 |
| Cost of funding earning assets | 0.2132% | 4,937 |
| Net interest margin | 4.0645% | 1,528 |
| Noninterest income to average assets | 0.4142% | 3,359 |
| Noninterest expense to average assets | 3.0011% | 2,057 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8988% | 3,294 |
| Return on assets (ROA) | 0.8988% | 3,302 |
| Pretax return on assets | 1.1371% | 3,016 |
| Return on Equity (ROE) | 9.1229% | 2,846 |
| Retained earnings to average equity (ytd only) | -0.7933% | 4,894 |
| Net charge-offs to loans | 0.0153% | 2,215 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 145.5000% | 443 |
| Efficiency ratio | 72.5212% | 2,120 |
| Assets per employee ($millions) | 5.0524% | 2,425 |
| Cash dividends to net income (ytd only)* | 108.6957% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5824% | 1,199 |
| Loan loss allowance to noncurrent loans | 95.3250% | 3,539 |
| Noncurrent assets plus other real estate owned to assets | 0.9154% | 1,730 |
| Noncurrent loans to loans | 1.6600% | 1,037 |
| Net loans and leases to total assets | 51.4567% | 4,471 |
| Net loans and leases to deposits | 60.6679% | 4,428 |
| Net loans and leases to core deposits | 63.1556% | 4,477 |
| Total domestic deposits to total assets | 84.8171% | 3,002 |
| Equity capital to assets | 9.6637% | 3,925 |
| Core capital (leverage) ratio | 10.2259% | 3,269 |
| Tier 1 risk-based capital ratio | 16.5464% | 2,255 |
| Total risk-based capital ratio | 17.7969% | 2,206 |
| Memoranda: | ||
| Average total assets | $102,363,000 | 4,185 |
| Average earning assets | $93,787,500 | 4,194 |
| Average equity | $10,084,500 | 4,416 |
| Average total loans | $52,153,500 | 4,390 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 2,856 |
| Cost of funding earning assets | 0.2099% | 4,866 |
| Net interest margin | 3.9458% | 1,929 |
| Noninterest income to average assets | 0.4035% | 3,619 |
| Noninterest expense to average assets | 2.8772% | 2,531 |
| Loan and lease loss provision to assets | 0.1141% | 1,991 |
| Net operating income to assets | 0.7853% | 3,227 |
| Return on assets (ROA) | 0.7853% | 3,263 |
| Pretax return on assets | 1.0276% | 3,466 |
| Return on Equity (ROE) | 8.3087% | 2,643 |
| Retained earnings to average equity (ytd only) | 6.3138% | 1,376 |
| Net charge-offs to loans | 0.0668% | 2,513 |
| Credit loss provision to net charge-offs | 366.6667% | 808 |
| Earnings coverage of net charge-offs (x) | 36.6970% | 1,331 |
| Efficiency ratio | 71.5928% | 2,294 |
| Assets per employee ($millions) | 5.1839% | 2,269 |
| Cash dividends to net income (ytd only)* | 24.0096% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6280% | 1,079 |
| Loan loss allowance to noncurrent loans | 73.6380% | 4,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1439% | 1,306 |
| Noncurrent loans to loans | 2.2108% | 653 |
| Net loans and leases to total assets | 48.8406% | 4,713 |
| Net loans and leases to deposits | 54.8162% | 4,860 |
| Net loans and leases to core deposits | 57.0590% | 4,892 |
| Total domestic deposits to total assets | 89.0989% | 964 |
| Equity capital to assets | 10.0349% | 3,671 |
| Core capital (leverage) ratio | 9.9825% | 3,480 |
| Tier 1 risk-based capital ratio | 16.8796% | 2,132 |
| Total risk-based capital ratio | 18.1320% | 2,072 |
| Memoranda: | ||
| Average total assets | $106,076,200 | 4,131 |
| Average earning assets | $97,191,000 | 4,144 |
| Average equity | $10,025,600 | 4,440 |
| Average total loans | $49,386,200 | 4,475 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1097% | 2,959 |
| Cost of funding earning assets | 0.2075% | 4,910 |
| Net interest margin | 3.9022% | 2,037 |
| Noninterest income to average assets | 0.4000% | 3,685 |
| Noninterest expense to average assets | 2.9147% | 2,350 |
| Loan and lease loss provision to assets | 0.0550% | 2,991 |
| Net operating income to assets | 0.6849% | 4,048 |
| Return on assets (ROA) | 0.6849% | 4,117 |
| Pretax return on assets | 1.0036% | 3,673 |
| Return on Equity (ROE) | 7.3573% | 3,466 |
| Retained earnings to average equity (ytd only) | 4.6721% | 3,098 |
| Net charge-offs to loans | 0.0900% | 1,896 |
| Credit loss provision to net charge-offs | 133.3333% | 1,848 |
| Earnings coverage of net charge-offs (x) | 25.6661% | 1,716 |
| Efficiency ratio | 73.3564% | 1,995 |
| Assets per employee ($millions) | 5.0673% | 2,368 |
| Cash dividends to net income (ytd only)* | 36.4963% | 2,445 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5198% | 1,468 |
| Loan loss allowance to noncurrent loans | 66.7544% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.1164% | 1,488 |
| Noncurrent loans to loans | 2.2767% | 699 |
| Net loans and leases to total assets | 46.3393% | 4,920 |
| Net loans and leases to deposits | 53.8142% | 4,974 |
| Net loans and leases to core deposits | 56.2995% | 4,985 |
| Total domestic deposits to total assets | 86.1098% | 2,265 |
| Equity capital to assets | 9.7385% | 4,214 |
| Core capital (leverage) ratio | 9.6188% | 4,020 |
| Tier 1 risk-based capital ratio | 16.6874% | 2,256 |
| Total risk-based capital ratio | 17.9370% | 2,207 |
| Memoranda: | ||
| Average total assets | $106,675,750 | 4,163 |
| Average earning assets | $97,684,750 | 4,172 |
| Average equity | $9,931,000 | 4,510 |
| Average total loans | $48,864,000 | 4,533 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 2,703 |
| Cost of funding earning assets | 0.2044% | 4,930 |
| Net interest margin | 3.9386% | 1,811 |
| Noninterest income to average assets | 0.4009% | 3,686 |
| Noninterest expense to average assets | 3.0628% | 1,931 |
| Loan and lease loss provision to assets | 0.0543% | 2,888 |
| Net operating income to assets | 0.6144% | 4,239 |
| Return on assets (ROA) | 0.6144% | 4,285 |
| Pretax return on assets | 0.8936% | 3,956 |
| Return on Equity (ROE) | 6.7028% | 3,721 |
| Retained earnings to average equity (ytd only) | 2.6157% | 4,134 |
| Net charge-offs to loans | 0.0825% | 1,787 |
| Credit loss provision to net charge-offs | 145.0000% | 1,553 |
| Earnings coverage of net charge-offs (x) | 25.3000% | 1,609 |
| Efficiency ratio | 76.3662% | 1,662 |
| Assets per employee ($millions) | 5.1660% | 2,193 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,517 |
| Loan loss allowance to noncurrent loans | 64.3220% | 4,281 |
| Noncurrent assets plus other real estate owned to assets | 1.1319% | 1,529 |
| Noncurrent loans to loans | 2.3629% | 662 |
| Net loans and leases to total assets | 45.3326% | 4,979 |
| Net loans and leases to deposits | 51.2997% | 5,088 |
| Net loans and leases to core deposits | 53.5572% | 5,104 |
| Total domestic deposits to total assets | 88.3682% | 1,268 |
| Equity capital to assets | 9.3366% | 4,578 |
| Core capital (leverage) ratio | 9.1081% | 4,606 |
| Tier 1 risk-based capital ratio | 16.3775% | 2,366 |
| Total risk-based capital ratio | 17.6273% | 2,312 |
| Memoranda: | ||
| Average total assets | $106,763,330 | 4,191 |
| Average earning assets | $97,853,000 | 4,202 |
| Average equity | $9,787,000 | 4,544 |
| Average total loans | $48,461,330 | 4,566 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0728% | 2,761 |
| Cost of funding earning assets | 0.2102% | 4,881 |
| Net interest margin | 3.8626% | 1,912 |
| Noninterest income to average assets | 0.4041% | 3,629 |
| Noninterest expense to average assets | 3.2747% | 1,433 |
| Loan and lease loss provision to assets | 0.0340% | 3,105 |
| Net operating income to assets | 0.4533% | 4,765 |
| Return on assets (ROA) | 0.4533% | 4,786 |
| Pretax return on assets | 0.6346% | 4,648 |
| Return on Equity (ROE) | 4.9917% | 4,395 |
| Retained earnings to average equity (ytd only) | -3.3278% | 5,281 |
| Net charge-offs to loans | 0.0838% | 1,511 |
| Credit loss provision to net charge-offs | 90.0000% | 1,689 |
| Earnings coverage of net charge-offs (x) | 17.7000% | 1,592 |
| Efficiency ratio | 83.0460% | 1,058 |
| Assets per employee ($millions) | 4.9706% | 2,484 |
| Cash dividends to net income (ytd only)* | 166.6667% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5806% | 1,430 |
| Loan loss allowance to noncurrent loans | 70.9280% | 4,182 |
| Noncurrent assets plus other real estate owned to assets | 1.0577% | 1,704 |
| Noncurrent loans to loans | 2.2285% | 754 |
| Net loans and leases to total assets | 44.6792% | 5,003 |
| Net loans and leases to deposits | 49.8594% | 5,142 |
| Net loans and leases to core deposits | 53.2994% | 5,092 |
| Total domestic deposits to total assets | 89.6103% | 849 |
| Equity capital to assets | 9.2276% | 4,590 |
| Core capital (leverage) ratio | 9.3972% | 4,235 |
| Tier 1 risk-based capital ratio | 17.6749% | 1,984 |
| Total risk-based capital ratio | 18.9253% | 1,935 |
| Memoranda: | ||
| Average total assets | $105,901,500 | 4,248 |
| Average earning assets | $97,033,000 | 4,256 |
| Average equity | $9,616,000 | 4,602 |
| Average total loans | $47,722,500 | 4,634 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0669% | 2,967 |
| Cost of funding earning assets | 0.1950% | 5,066 |
| Net interest margin | 3.8719% | 2,057 |
| Noninterest income to average assets | 0.4539% | 3,516 |
| Noninterest expense to average assets | 3.0503% | 2,182 |
| Loan and lease loss provision to assets | 0.0515% | 3,359 |
| Net operating income to assets | 0.5947% | 4,225 |
| Return on assets (ROA) | 0.7180% | 3,813 |
| Pretax return on assets | 1.0803% | 3,175 |
| Return on Equity (ROE) | 7.5261% | 3,205 |
| Retained earnings to average equity (ytd only) | 6.0269% | 1,687 |
| Net charge-offs to loans | -0.0045% | 4,795 |
| Credit loss provision to net charge-offs | -2,700.0000% | 5,409 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3484% | 1,928 |
| Assets per employee ($millions) | 4.6705% | 2,846 |
| Cash dividends to net income (ytd only)* | 19.9203% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5606% | 1,466 |
| Loan loss allowance to noncurrent loans | 872.0930% | 680 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,812 |
| Noncurrent loans to loans | 0.1789% | 4,517 |
| Net loans and leases to total assets | 44.0407% | 5,116 |
| Net loans and leases to deposits | 52.4635% | 5,092 |
| Net loans and leases to core deposits | 55.5642% | 5,066 |
| Total domestic deposits to total assets | 83.9454% | 3,440 |
| Equity capital to assets | 8.9368% | 4,875 |
| Core capital (leverage) ratio | 9.5808% | 3,991 |
| Tier 1 risk-based capital ratio | 17.2354% | 2,076 |
| Total risk-based capital ratio | 18.4865% | 2,038 |
| Memoranda: | ||
| Average total assets | $104,873,800 | 4,260 |
| Average earning assets | $95,921,800 | 4,274 |
| Average equity | $10,005,200 | 4,572 |
| Average total loans | $44,367,200 | 4,737 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0837% | 2,939 |
| Cost of funding earning assets | 0.2016% | 5,052 |
| Net interest margin | 3.8821% | 2,046 |
| Noninterest income to average assets | 0.4733% | 3,412 |
| Noninterest expense to average assets | 3.0609% | 2,122 |
| Loan and lease loss provision to assets | 0.0294% | 3,652 |
| Net operating income to assets | 0.6156% | 4,227 |
| Return on assets (ROA) | 0.7803% | 3,598 |
| Pretax return on assets | 1.1793% | 2,919 |
| Return on Equity (ROE) | 8.0474% | 2,978 |
| Retained earnings to average equity (ytd only) | 6.0686% | 2,148 |
| Net charge-offs to loans | 0.1320% | 1,650 |
| Credit loss provision to net charge-offs | 53.4884% | 2,988 |
| Earnings coverage of net charge-offs (x) | 17.4425% | 2,050 |
| Efficiency ratio | 76.1374% | 1,961 |
| Assets per employee ($millions) | 4.5339% | 3,031 |
| Cash dividends to net income (ytd only)* | 24.5909% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 1,648 |
| Loan loss allowance to noncurrent loans | 702.0833% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.1381% | 4,885 |
| Noncurrent loans to loans | 0.2185% | 4,484 |
| Net loans and leases to total assets | 41.4845% | 5,316 |
| Net loans and leases to deposits | 49.2285% | 5,337 |
| Net loans and leases to core deposits | 52.3951% | 5,299 |
| Total domestic deposits to total assets | 84.2693% | 3,115 |
| Equity capital to assets | 10.0652% | 4,076 |
| Core capital (leverage) ratio | 9.4103% | 4,314 |
| Tier 1 risk-based capital ratio | 18.6289% | 1,750 |
| Total risk-based capital ratio | 19.8793% | 1,720 |
| Memoranda: | ||
| Average total assets | $104,237,000 | 4,313 |
| Average earning assets | $95,238,000 | 4,321 |
| Average equity | $10,106,500 | 4,598 |
| Average total loans | $43,444,250 | 4,804 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 3,063 |
| Cost of funding earning assets | 0.2082% | 5,064 |
| Net interest margin | 3.8415% | 2,164 |
| Noninterest income to average assets | 0.3953% | 3,904 |
| Noninterest expense to average assets | 3.0607% | 2,171 |
| Loan and lease loss provision to assets | 0.0441% | 3,268 |
| Net operating income to assets | 0.5306% | 4,558 |
| Return on assets (ROA) | 0.7561% | 3,673 |
| Pretax return on assets | 1.1379% | 3,049 |
| Return on Equity (ROE) | 7.9005% | 3,032 |
| Retained earnings to average equity (ytd only) | 4.8927% | 2,800 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4555% | 1,721 |
| Assets per employee ($millions) | 4.4984% | 3,033 |
| Cash dividends to net income (ytd only)* | 38.0711% | 2,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6420% | 1,427 |
| Loan loss allowance to noncurrent loans | 2,390.0000% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0722% | 5,254 |
| Noncurrent loans to loans | 0.0687% | 5,175 |
| Net loans and leases to total assets | 39.7829% | 5,430 |
| Net loans and leases to deposits | 44.5489% | 5,541 |
| Net loans and leases to core deposits | 47.6661% | 5,510 |
| Total domestic deposits to total assets | 89.3017% | 763 |
| Equity capital to assets | 9.6359% | 4,629 |
| Core capital (leverage) ratio | 9.1009% | 4,716 |
| Tier 1 risk-based capital ratio | 17.8894% | 1,965 |
| Total risk-based capital ratio | 19.1417% | 1,923 |
| Memoranda: | ||
| Average total assets | $104,223,000 | 4,350 |
| Average earning assets | $95,118,670 | 4,359 |
| Average equity | $9,974,000 | 4,649 |
| Average total loans | $43,283,670 | 4,853 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0456% | 3,050 |
| Cost of funding earning assets | 0.2226% | 4,971 |
| Net interest margin | 3.8230% | 2,211 |
| Noninterest income to average assets | 0.3908% | 3,900 |
| Noninterest expense to average assets | 3.1225% | 2,037 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.5047% | 4,616 |
| Return on assets (ROA) | 0.6565% | 4,068 |
| Pretax return on assets | 0.9848% | 3,535 |
| Return on Equity (ROE) | 6.8856% | 3,516 |
| Retained earnings to average equity (ytd only) | 0.7377% | 4,924 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4632% | 1,552 |
| Assets per employee ($millions) | 4.5012% | 3,065 |
| Cash dividends to net income (ytd only)* | 89.2857% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 1,538 |
| Loan loss allowance to noncurrent loans | 746.2366% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 5,028 |
| Noncurrent loans to loans | 0.2179% | 4,649 |
| Net loans and leases to total assets | 40.5513% | 5,429 |
| Net loans and leases to deposits | 45.6599% | 5,524 |
| Net loans and leases to core deposits | 48.6782% | 5,489 |
| Total domestic deposits to total assets | 88.8117% | 1,200 |
| Equity capital to assets | 9.6505% | 4,503 |
| Core capital (leverage) ratio | 8.9906% | 4,872 |
| Tier 1 risk-based capital ratio | 18.2003% | 1,930 |
| Total risk-based capital ratio | 19.4525% | 1,896 |
| Memoranda: | ||
| Average total assets | $102,354,000 | 4,422 |
| Average earning assets | $93,435,500 | 4,437 |
| Average equity | $9,759,500 | 4,716 |
| Average total loans | $43,092,000 | 4,896 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,420 |
| Cost of funding earning assets | 0.2569% | 4,717 |
| Net interest margin | 3.9829% | 1,772 |
| Noninterest income to average assets | 0.4558% | 3,623 |
| Noninterest expense to average assets | 3.0546% | 2,364 |
| Loan and lease loss provision to assets | 0.1308% | 1,829 |
| Net operating income to assets | 0.5822% | 4,371 |
| Return on assets (ROA) | 0.5974% | 4,385 |
| Pretax return on assets | 0.8877% | 3,892 |
| Return on Equity (ROE) | 6.3895% | 3,846 |
| Retained earnings to average equity (ytd only) | 4.8001% | 2,573 |
| Net charge-offs to loans | 0.1215% | 2,165 |
| Credit loss provision to net charge-offs | 253.8462% | 1,136 |
| Earnings coverage of net charge-offs (x) | 19.3269% | 1,953 |
| Efficiency ratio | 75.4159% | 2,367 |
| Assets per employee ($millions) | 4.3991% | 3,218 |
| Cash dividends to net income (ytd only)* | 24.8756% | 3,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 1,626 |
| Loan loss allowance to noncurrent loans | 867.5000% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1749% | 4,903 |
| Noncurrent loans to loans | 0.1839% | 4,755 |
| Net loans and leases to total assets | 42.3147% | 5,391 |
| Net loans and leases to deposits | 47.1084% | 5,516 |
| Net loans and leases to core deposits | 50.7401% | 5,465 |
| Total domestic deposits to total assets | 89.8241% | 704 |
| Equity capital to assets | 9.4169% | 4,650 |
| Core capital (leverage) ratio | 9.1276% | 4,717 |
| Tier 1 risk-based capital ratio | 17.9215% | 1,986 |
| Total risk-based capital ratio | 19.1722% | 1,942 |
| Memoranda: | ||
| Average total assets | $100,929,400 | 4,444 |
| Average earning assets | $91,089,400 | 4,481 |
| Average equity | $9,437,400 | 4,760 |
| Average total loans | $42,798,800 | 4,903 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2713% | 2,327 |
| Cost of funding earning assets | 0.2660% | 4,705 |
| Net interest margin | 4.0053% | 1,683 |
| Noninterest income to average assets | 0.4243% | 3,906 |
| Noninterest expense to average assets | 3.0720% | 2,295 |
| Loan and lease loss provision to assets | 0.1745% | 1,216 |
| Net operating income to assets | 0.5292% | 4,683 |
| Return on assets (ROA) | 0.5499% | 4,692 |
| Pretax return on assets | 0.8103% | 4,309 |
| Return on Equity (ROE) | 5.8913% | 4,200 |
| Retained earnings to average equity (ytd only) | 3.7671% | 3,792 |
| Net charge-offs to loans | 0.2190% | 1,192 |
| Credit loss provision to net charge-offs | 188.5714% | 1,400 |
| Earnings coverage of net charge-offs (x) | 10.3144% | 2,606 |
| Efficiency ratio | 76.2968% | 2,197 |
| Assets per employee ($millions) | 4.5140% | 2,986 |
| Cash dividends to net income (ytd only)* | 36.0588% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5854% | 1,840 |
| Loan loss allowance to noncurrent loans | 845.0000% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 5,075 |
| Noncurrent loans to loans | 0.1876% | 4,896 |
| Net loans and leases to total assets | 40.4186% | 5,570 |
| Net loans and leases to deposits | 45.3380% | 5,675 |
| Net loans and leases to core deposits | 48.5290% | 5,632 |
| Total domestic deposits to total assets | 89.1496% | 947 |
| Equity capital to assets | 9.3700% | 4,916 |
| Core capital (leverage) ratio | 9.0124% | 4,983 |
| Tier 1 risk-based capital ratio | 17.8164% | 2,088 |
| Total risk-based capital ratio | 19.0675% | 2,052 |
| Memoranda: | ||
| Average total assets | $100,866,750 | 4,491 |
| Average earning assets | $90,711,000 | 4,537 |
| Average equity | $9,414,750 | 4,822 |
| Average total loans | $42,621,500 | 4,965 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 2,272 |
| Cost of funding earning assets | 0.2771% | 4,642 |
| Net interest margin | 3.9954% | 1,647 |
| Noninterest income to average assets | 0.4225% | 3,906 |
| Noninterest expense to average assets | 3.0957% | 2,255 |
| Loan and lease loss provision to assets | 0.2443% | 732 |
| Net operating income to assets | 0.4739% | 4,875 |
| Return on assets (ROA) | 0.4946% | 4,899 |
| Pretax return on assets | 0.7209% | 4,595 |
| Return on Equity (ROE) | 5.3059% | 4,480 |
| Retained earnings to average equity (ytd only) | 2.0837% | 4,662 |
| Net charge-offs to loans | 0.2534% | 1,025 |
| Credit loss provision to net charge-offs | 225.9259% | 1,123 |
| Earnings coverage of net charge-offs (x) | 8.6481% | 2,542 |
| Efficiency ratio | 76.8008% | 2,230 |
| Assets per employee ($millions) | 4.4180% | 3,114 |
| Cash dividends to net income (ytd only)* | 60.7287% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5282% | 2,172 |
| Loan loss allowance to noncurrent loans | 733.3333% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.1870% | 5,119 |
| Noncurrent loans to loans | 0.2084% | 4,936 |
| Net loans and leases to total assets | 43.2485% | 5,424 |
| Net loans and leases to deposits | 48.0227% | 5,596 |
| Net loans and leases to core deposits | 52.8120% | 5,494 |
| Total domestic deposits to total assets | 90.0586% | 637 |
| Equity capital to assets | 9.1345% | 5,106 |
| Core capital (leverage) ratio | 8.7420% | 5,281 |
| Tier 1 risk-based capital ratio | 17.1624% | 2,345 |
| Total risk-based capital ratio | 18.4132% | 2,294 |
| Memoranda: | ||
| Average total assets | $99,882,000 | 4,555 |
| Average earning assets | $90,204,000 | 4,591 |
| Average equity | $9,310,330 | 4,878 |
| Average total loans | $42,615,670 | 5,005 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1639% | 2,586 |
| Cost of funding earning assets | 0.2821% | 4,643 |
| Net interest margin | 3.8818% | 1,960 |
| Noninterest income to average assets | 0.4161% | 3,874 |
| Noninterest expense to average assets | 3.1591% | 2,093 |
| Loan and lease loss provision to assets | 0.2707% | 575 |
| Net operating income to assets | 0.3474% | 5,254 |
| Return on assets (ROA) | 0.3474% | 5,373 |
| Pretax return on assets | 0.4888% | 5,210 |
| Return on Equity (ROE) | 3.6892% | 5,113 |
| Retained earnings to average equity (ytd only) | -2.7455% | 5,769 |
| Net charge-offs to loans | 0.2499% | 958 |
| Credit loss provision to net charge-offs | 257.6923% | 907 |
| Earnings coverage of net charge-offs (x) | 7.2308% | 2,191 |
| Efficiency ratio | 80.6186% | 1,809 |
| Assets per employee ($millions) | 4.3901% | 3,212 |
| Cash dividends to net income (ytd only)* | 174.4186% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 2,392 |
| Loan loss allowance to noncurrent loans | 536.8852% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 5,079 |
| Noncurrent loans to loans | 0.2820% | 4,766 |
| Net loans and leases to total assets | 42.2004% | 5,468 |
| Net loans and leases to deposits | 47.9087% | 5,572 |
| Net loans and leases to core deposits | 52.8364% | 5,434 |
| Total domestic deposits to total assets | 88.0849% | 1,770 |
| Equity capital to assets | 9.3272% | 4,927 |
| Core capital (leverage) ratio | 8.8988% | 5,072 |
| Tier 1 risk-based capital ratio | 16.2973% | 2,780 |
| Total risk-based capital ratio | 17.5381% | 2,725 |
| Memoranda: | ||
| Average total assets | $99,015,500 | 4,601 |
| Average earning assets | $89,340,000 | 4,647 |
| Average equity | $9,324,500 | 4,913 |
| Average total loans | $41,609,000 | 5,083 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1112% | 3,288 |
| Cost of funding earning assets | 0.3305% | 4,485 |
| Net interest margin | 3.7806% | 2,690 |
| Noninterest income to average assets | 0.4249% | 4,008 |
| Noninterest expense to average assets | 3.0909% | 2,548 |
| Loan and lease loss provision to assets | 0.0747% | 2,991 |
| Net operating income to assets | 0.4402% | 5,066 |
| Return on assets (ROA) | 0.4533% | 5,097 |
| Pretax return on assets | 0.6584% | 4,764 |
| Return on Equity (ROE) | 4.9868% | 4,674 |
| Retained earnings to average equity (ytd only) | 4.9868% | 2,608 |
| Net charge-offs to loans | 0.0361% | 4,112 |
| Credit loss provision to net charge-offs | 546.1538% | 488 |
| Earnings coverage of net charge-offs (x) | 52.2308% | 897 |
| Efficiency ratio | 81.2327% | 1,745 |
| Assets per employee ($millions) | 4.2200% | 3,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5368% | 2,311 |
| Loan loss allowance to noncurrent loans | 218.5053% | 2,091 |
| Noncurrent assets plus other real estate owned to assets | 0.3894% | 4,525 |
| Noncurrent loans to loans | 0.7033% | 3,570 |
| Net loans and leases to total assets | 40.5292% | 5,708 |
| Net loans and leases to deposits | 46.6610% | 5,763 |
| Net loans and leases to core deposits | 51.0744% | 5,661 |
| Total domestic deposits to total assets | 86.8588% | 2,350 |
| Equity capital to assets | 9.5136% | 4,705 |
| Core capital (leverage) ratio | 9.1633% | 4,728 |
| Tier 1 risk-based capital ratio | 17.0910% | 2,478 |
| Total risk-based capital ratio | 18.2980% | 2,444 |
| Memoranda: | ||
| Average total assets | $95,085,400 | 4,720 |
| Average earning assets | $85,012,200 | 4,759 |
| Average equity | $8,642,800 | 5,055 |
| Average total loans | $36,038,000 | 5,328 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0391% | 3,598 |
| Cost of funding earning assets | 0.3420% | 4,435 |
| Net interest margin | 3.6971% | 3,032 |
| Noninterest income to average assets | 0.4229% | 4,079 |
| Noninterest expense to average assets | 3.1700% | 2,263 |
| Loan and lease loss provision to assets | 0.1001% | 2,368 |
| Net operating income to assets | 0.3282% | 5,501 |
| Return on assets (ROA) | 0.3312% | 5,558 |
| Pretax return on assets | 0.4637% | 5,422 |
| Return on Equity (ROE) | 3.6884% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.6884% | 4,014 |
| Net charge-offs to loans | 0.0228% | 4,061 |
| Credit loss provision to net charge-offs | 1,183.3333% | 291 |
| Earnings coverage of net charge-offs (x) | 66.1650% | 807 |
| Efficiency ratio | 84.9962% | 1,286 |
| Assets per employee ($millions) | 4.1138% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6249% | 2,213 |
| Loan loss allowance to noncurrent loans | 107.8125% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 3,686 |
| Noncurrent loans to loans | 1.5072% | 2,151 |
| Net loans and leases to total assets | 39.7349% | 5,831 |
| Net loans and leases to deposits | 44.6153% | 5,938 |
| Net loans and leases to core deposits | 48.8342% | 5,848 |
| Total domestic deposits to total assets | 89.0612% | 1,204 |
| Equity capital to assets | 9.1707% | 5,183 |
| Core capital (leverage) ratio | 9.1680% | 4,822 |
| Tier 1 risk-based capital ratio | 17.6465% | 2,338 |
| Total risk-based capital ratio | 18.8964% | 2,300 |
| Memoranda: | ||
| Average total assets | $94,591,500 | 4,779 |
| Average earning assets | $84,605,250 | 4,819 |
| Average equity | $8,495,000 | 5,132 |
| Average total loans | $35,059,500 | 5,413 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9305% | 4,012 |
| Cost of funding earning assets | 0.3569% | 4,352 |
| Net interest margin | 3.5737% | 3,469 |
| Noninterest income to average assets | 0.4800% | 3,630 |
| Noninterest expense to average assets | 3.1338% | 2,384 |
| Loan and lease loss provision to assets | 0.1501% | 1,643 |
| Net operating income to assets | 0.2900% | 5,603 |
| Return on assets (ROA) | 0.2728% | 5,730 |
| Pretax return on assets | 0.3700% | 5,638 |
| Return on Equity (ROE) | 3.0589% | 5,508 |
| Retained earnings to average equity (ytd only) | 3.0589% | 4,257 |
| Net charge-offs to loans | 0.0706% | 2,999 |
| Credit loss provision to net charge-offs | 591.6667% | 513 |
| Earnings coverage of net charge-offs (x) | 21.4167% | 1,547 |
| Efficiency ratio | 85.2214% | 1,356 |
| Assets per employee ($millions) | 4.1367% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7007% | 2,131 |
| Loan loss allowance to noncurrent loans | 320.3125% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.3437% | 5,006 |
| Noncurrent loans to loans | 0.5309% | 4,420 |
| Net loans and leases to total assets | 37.3613% | 5,989 |
| Net loans and leases to deposits | 41.6188% | 6,083 |
| Net loans and leases to core deposits | 45.6357% | 6,009 |
| Total domestic deposits to total assets | 89.7702% | 922 |
| Equity capital to assets | 9.2428% | 5,048 |
| Core capital (leverage) ratio | 9.0948% | 4,879 |
| Tier 1 risk-based capital ratio | 17.9773% | 2,252 |
| Total risk-based capital ratio | 19.2224% | 2,220 |
| Memoranda: | ||
| Average total assets | $94,583,000 | 4,809 |
| Average earning assets | $84,619,330 | 4,856 |
| Average equity | $8,434,330 | 5,169 |
| Average total loans | $34,007,000 | 5,492 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 4,043 |
| Cost of funding earning assets | 0.3744% | 4,260 |
| Net interest margin | 3.5356% | 3,542 |
| Noninterest income to average assets | 0.4539% | 3,757 |
| Noninterest expense to average assets | 3.0964% | 2,546 |
| Loan and lease loss provision to assets | 0.2291% | 968 |
| Net operating income to assets | 0.2149% | 5,757 |
| Return on assets (ROA) | 0.2800% | 5,609 |
| Pretax return on assets | 0.3818% | 5,507 |
| Return on Equity (ROE) | 3.1983% | 5,391 |
| Retained earnings to average equity (ytd only) | 3.1983% | 4,207 |
| Net charge-offs to loans | 0.1336% | 1,908 |
| Credit loss provision to net charge-offs | 490.9091% | 557 |
| Earnings coverage of net charge-offs (x) | 11.1818% | 1,797 |
| Efficiency ratio | 85.5803% | 1,493 |
| Assets per employee ($millions) | 3.9770% | 3,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7692% | 2,131 |
| Loan loss allowance to noncurrent loans | 286.6029% | 1,551 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 5,082 |
| Noncurrent loans to loans | 0.6173% | 4,318 |
| Net loans and leases to total assets | 34.8441% | 6,130 |
| Net loans and leases to deposits | 42.0046% | 6,076 |
| Net loans and leases to core deposits | 46.4582% | 5,963 |
| Total domestic deposits to total assets | 82.9530% | 4,619 |
| Equity capital to assets | 8.9221% | 5,197 |
| Core capital (leverage) ratio | 9.0621% | 4,917 |
| Tier 1 risk-based capital ratio | 18.0296% | 2,283 |
| Total risk-based capital ratio | 19.2793% | 2,262 |
| Memoranda: | ||
| Average total assets | $94,302,500 | 4,868 |
| Average earning assets | $84,397,500 | 4,904 |
| Average equity | $8,254,500 | 5,228 |
| Average total loans | $32,929,500 | 5,588 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8770% | 4,546 |
| Cost of funding earning assets | 0.4330% | 4,288 |
| Net interest margin | 3.4440% | 4,116 |
| Noninterest income to average assets | 0.5458% | 3,431 |
| Noninterest expense to average assets | 2.9761% | 3,118 |
| Loan and lease loss provision to assets | 0.0855% | 3,402 |
| Net operating income to assets | 0.3959% | 5,160 |
| Return on assets (ROA) | 0.3590% | 5,415 |
| Pretax return on assets | 0.5131% | 5,169 |
| Return on Equity (ROE) | 3.9500% | 5,139 |
| Retained earnings to average equity (ytd only) | 2.7882% | 4,260 |
| Net charge-offs to loans | 0.0222% | 4,987 |
| Credit loss provision to net charge-offs | 1,157.1429% | 219 |
| Earnings coverage of net charge-offs (x) | 88.1429% | 511 |
| Efficiency ratio | 82.0431% | 1,870 |
| Assets per employee ($millions) | 4.0503% | 3,762 |
| Cash dividends to net income (ytd only)* | 29.4118% | 3,308 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7374% | 2,277 |
| Loan loss allowance to noncurrent loans | 264.7619% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 5,139 |
| Noncurrent loans to loans | 0.6562% | 4,329 |
| Net loans and leases to total assets | 33.7559% | 6,309 |
| Net loans and leases to deposits | 37.8311% | 6,372 |
| Net loans and leases to core deposits | 41.7665% | 6,311 |
| Total domestic deposits to total assets | 89.2279% | 1,470 |
| Equity capital to assets | 8.5801% | 5,493 |
| Core capital (leverage) ratio | 8.8250% | 5,242 |
| Tier 1 risk-based capital ratio | 18.5203% | 2,073 |
| Total risk-based capital ratio | 19.7570% | 2,051 |
| Memoranda: | ||
| Average total assets | $94,720,200 | 4,874 |
| Average earning assets | $84,756,800 | 4,915 |
| Average equity | $8,607,600 | 5,190 |
| Average total loans | $31,541,200 | 5,687 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8297% | 4,734 |
| Cost of funding earning assets | 0.4387% | 4,400 |
| Net interest margin | 3.3909% | 4,321 |
| Noninterest income to average assets | 0.4752% | 3,972 |
| Noninterest expense to average assets | 2.9228% | 3,228 |
| Loan and lease loss provision to assets | 0.0392% | 4,223 |
| Net operating income to assets | 0.3807% | 5,330 |
| Return on assets (ROA) | 0.3631% | 5,528 |
| Pretax return on assets | 0.5215% | 5,295 |
| Return on Equity (ROE) | 3.9414% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.9414% | 3,884 |
| Net charge-offs to loans | 0.0170% | 4,786 |
| Credit loss provision to net charge-offs | 700.0000% | 414 |
| Earnings coverage of net charge-offs (x) | 104.5629% | 479 |
| Efficiency ratio | 83.3000% | 1,673 |
| Assets per employee ($millions) | 4.0387% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 3,240 |
| Loan loss allowance to noncurrent loans | 581.6092% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 5,759 |
| Noncurrent loans to loans | 0.2660% | 5,564 |
| Net loans and leases to total assets | 33.2174% | 6,402 |
| Net loans and leases to deposits | 36.5580% | 6,486 |
| Net loans and leases to core deposits | 40.1224% | 6,444 |
| Total domestic deposits to total assets | 90.8623% | 590 |
| Equity capital to assets | 8.4867% | 5,747 |
| Core capital (leverage) ratio | 8.8829% | 5,275 |
| Tier 1 risk-based capital ratio | 18.3672% | 2,189 |
| Total risk-based capital ratio | 19.4828% | 2,199 |
| Memoranda: | ||
| Average total assets | $95,111,000 | 4,904 |
| Average earning assets | $85,088,250 | 4,952 |
| Average equity | $8,761,250 | 5,199 |
| Average total loans | $31,426,000 | 5,746 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8155% | 4,774 |
| Cost of funding earning assets | 0.4402% | 4,540 |
| Net interest margin | 3.3752% | 4,286 |
| Noninterest income to average assets | 0.4783% | 3,972 |
| Noninterest expense to average assets | 2.9501% | 3,164 |
| Loan and lease loss provision to assets | 0.0339% | 4,264 |
| Net operating income to assets | 0.3564% | 5,381 |
| Return on assets (ROA) | 0.3830% | 5,445 |
| Pretax return on assets | 0.5502% | 5,198 |
| Return on Equity (ROE) | 4.0494% | 5,198 |
| Retained earnings to average equity (ytd only) | 4.0494% | 3,720 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3826% | 1,591 |
| Assets per employee ($millions) | 4.3248% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 3,405 |
| Loan loss allowance to noncurrent loans | 206.6390% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.3952% | 5,295 |
| Noncurrent loans to loans | 0.7447% | 4,432 |
| Net loans and leases to total assets | 33.4878% | 6,439 |
| Net loans and leases to deposits | 40.5209% | 6,387 |
| Net loans and leases to core deposits | 42.5871% | 6,382 |
| Total domestic deposits to total assets | 82.6433% | 4,838 |
| Equity capital to assets | 8.6500% | 5,613 |
| Core capital (leverage) ratio | 8.9816% | 5,024 |
| Tier 1 risk-based capital ratio | 17.9593% | 2,326 |
| Total risk-based capital ratio | 19.0433% | 2,363 |
| Memoranda: | ||
| Average total assets | $94,505,330 | 4,949 |
| Average earning assets | $84,498,330 | 4,997 |
| Average equity | $8,939,670 | 5,186 |
| Average total loans | $31,000,330 | 5,803 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7992% | 4,828 |
| Cost of funding earning assets | 0.4322% | 4,781 |
| Net interest margin | 3.3671% | 4,246 |
| Noninterest income to average assets | 0.4544% | 4,092 |
| Noninterest expense to average assets | 2.9771% | 3,064 |
| Loan and lease loss provision to assets | -0.0680% | 6,807 |
| Net operating income to assets | 0.3859% | 5,181 |
| Return on assets (ROA) | 0.4035% | 5,264 |
| Pretax return on assets | 0.5818% | 5,018 |
| Return on Equity (ROE) | 4.0884% | 5,048 |
| Retained earnings to average equity (ytd only) | 4.0884% | 3,768 |
| Net charge-offs to loans | 0.0132% | 3,881 |
| Credit loss provision to net charge-offs | -1,600.0000% | 5,732 |
| Earnings coverage of net charge-offs (x) | 115.0000% | 335 |
| Efficiency ratio | 85.9069% | 1,531 |
| Assets per employee ($millions) | 4.5060% | 2,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5466% | 3,638 |
| Loan loss allowance to noncurrent loans | 673.9130% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.3128% | 5,644 |
| Noncurrent loans to loans | 0.2295% | 5,838 |
| Net loans and leases to total assets | 31.2824% | 6,550 |
| Net loans and leases to deposits | 38.3323% | 6,492 |
| Net loans and leases to core deposits | 40.3487% | 6,467 |
| Total domestic deposits to total assets | 81.6085% | 5,322 |
| Equity capital to assets | 9.7638% | 4,476 |
| Core capital (leverage) ratio | 8.7795% | 5,217 |
| Tier 1 risk-based capital ratio | 18.7050% | 2,126 |
| Total risk-based capital ratio | 19.7714% | 2,154 |
| Memoranda: | ||
| Average total assets | $94,185,500 | 4,997 |
| Average earning assets | $84,227,500 | 5,034 |
| Average equity | $9,294,500 | 5,157 |
| Average total loans | $30,320,500 | 5,880 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9801% | 5,374 |
| Cost of funding earning assets | 0.4848% | 5,322 |
| Net interest margin | 3.4954% | 4,519 |
| Noninterest income to average assets | 0.4243% | 4,421 |
| Noninterest expense to average assets | 2.9507% | 3,461 |
| Loan and lease loss provision to assets | 0.0646% | 4,953 |
| Net operating income to assets | 0.3466% | 5,309 |
| Return on assets (ROA) | 0.5363% | 4,795 |
| Pretax return on assets | 0.7861% | 4,342 |
| Return on Equity (ROE) | 5.3962% | 4,480 |
| Retained earnings to average equity (ytd only) | 3.7708% | 3,558 |
| Net charge-offs to loans | 0.0206% | 5,615 |
| Credit loss provision to net charge-offs | 1,000.0000% | 252 |
| Earnings coverage of net charge-offs (x) | 88.5000% | 439 |
| Efficiency ratio | 83.7664% | 1,657 |
| Assets per employee ($millions) | 4.4641% | 3,027 |
| Cash dividends to net income (ytd only)* | 30.1205% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 3,413 |
| Loan loss allowance to noncurrent loans | 144.7447% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.5974% | 4,983 |
| Noncurrent loans to loans | 1.0891% | 4,031 |
| Net loans and leases to total assets | 32.1006% | 6,623 |
| Net loans and leases to deposits | 38.0293% | 6,634 |
| Net loans and leases to core deposits | 39.9737% | 6,617 |
| Total domestic deposits to total assets | 84.4100% | 4,120 |
| Equity capital to assets | 9.9738% | 4,205 |
| Core capital (leverage) ratio | 8.8618% | 5,081 |
| Tier 1 risk-based capital ratio | 18.3128% | 2,167 |
| Total risk-based capital ratio | 19.4001% | 2,172 |
| Memoranda: | ||
| Average total assets | $92,858,400 | 5,003 |
| Average earning assets | $82,308,600 | 5,060 |
| Average equity | $9,228,800 | 5,163 |
| Average total loans | $29,057,200 | 5,991 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 5,357 |
| Cost of funding earning assets | 0.4961% | 5,457 |
| Net interest margin | 3.5553% | 4,419 |
| Noninterest income to average assets | 0.4836% | 4,035 |
| Noninterest expense to average assets | 2.9246% | 3,501 |
| Loan and lease loss provision to assets | 0.1108% | 4,182 |
| Net operating income to assets | 0.4022% | 5,239 |
| Return on assets (ROA) | 0.6146% | 4,584 |
| Pretax return on assets | 0.9067% | 4,079 |
| Return on Equity (ROE) | 6.1893% | 4,238 |
| Retained earnings to average equity (ytd only) | 6.1893% | 2,572 |
| Net charge-offs to loans | 0.0651% | 4,770 |
| Credit loss provision to net charge-offs | 550.0000% | 482 |
| Earnings coverage of net charge-offs (x) | 34.9930% | 970 |
| Efficiency ratio | 80.5710% | 2,007 |
| Assets per employee ($millions) | 4.5983% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5976% | 3,526 |
| Loan loss allowance to noncurrent loans | 153.9185% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.6131% | 5,138 |
| Noncurrent loans to loans | 1.0379% | 4,368 |
| Net loans and leases to total assets | 31.3188% | 6,766 |
| Net loans and leases to deposits | 35.2795% | 6,831 |
| Net loans and leases to core deposits | 38.3405% | 6,801 |
| Total domestic deposits to total assets | 88.7734% | 1,550 |
| Equity capital to assets | 9.8711% | 4,680 |
| Core capital (leverage) ratio | 8.8944% | 5,203 |
| Tier 1 risk-based capital ratio | 18.0828% | 2,306 |
| Total risk-based capital ratio | 19.1614% | 2,348 |
| Memoranda: | ||
| Average total assets | $92,636,500 | 5,063 |
| Average earning assets | $81,978,500 | 5,117 |
| Average equity | $9,198,500 | 5,216 |
| Average total loans | $28,677,750 | 6,079 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0904% | 5,353 |
| Cost of funding earning assets | 0.5085% | 5,565 |
| Net interest margin | 3.5819% | 4,340 |
| Noninterest income to average assets | 0.4884% | 4,000 |
| Noninterest expense to average assets | 3.0265% | 3,164 |
| Loan and lease loss provision to assets | 0.1511% | 3,635 |
| Net operating income to assets | 0.3238% | 5,525 |
| Return on assets (ROA) | 0.5146% | 5,013 |
| Pretax return on assets | 0.7774% | 4,553 |
| Return on Equity (ROE) | 5.1720% | 4,724 |
| Retained earnings to average equity (ytd only) | 5.1720% | 3,173 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5568% | 1,807 |
| Assets per employee ($millions) | 4.2903% | 3,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 3,581 |
| Loan loss allowance to noncurrent loans | 152.9231% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 0.6859% | 5,059 |
| Noncurrent loans to loans | 1.0507% | 4,414 |
| Net loans and leases to total assets | 33.7814% | 6,737 |
| Net loans and leases to deposits | 38.2295% | 6,796 |
| Net loans and leases to core deposits | 41.8192% | 6,744 |
| Total domestic deposits to total assets | 88.3648% | 1,920 |
| Equity capital to assets | 10.2889% | 3,951 |
| Core capital (leverage) ratio | 8.8704% | 5,089 |
| Tier 1 risk-based capital ratio | 18.1167% | 2,261 |
| Total risk-based capital ratio | 19.2453% | 2,261 |
| Memoranda: | ||
| Average total assets | $91,327,000 | 5,123 |
| Average earning assets | $81,019,330 | 5,178 |
| Average equity | $9,087,330 | 5,240 |
| Average total loans | $27,992,330 | 6,153 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9843% | 5,815 |
| Cost of funding earning assets | 0.5195% | 5,685 |
| Net interest margin | 3.4648% | 4,845 |
| Noninterest income to average assets | 0.4786% | 4,076 |
| Noninterest expense to average assets | 3.0497% | 3,085 |
| Loan and lease loss provision to assets | 0.0696% | 4,540 |
| Net operating income to assets | 0.2920% | 5,683 |
| Return on assets (ROA) | 0.6352% | 4,409 |
| Pretax return on assets | 0.9397% | 3,903 |
| Return on Equity (ROE) | 6.4918% | 4,045 |
| Retained earnings to average equity (ytd only) | 6.4918% | 2,690 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8017% | 1,502 |
| Assets per employee ($millions) | 4.4350% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6065% | 3,696 |
| Loan loss allowance to noncurrent loans | 129.4461% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 5,194 |
| Noncurrent loans to loans | 1.2410% | 4,263 |
| Net loans and leases to total assets | 29.1985% | 6,942 |
| Net loans and leases to deposits | 35.9343% | 6,895 |
| Net loans and leases to core deposits | 39.4975% | 6,833 |
| Total domestic deposits to total assets | 81.2552% | 5,532 |
| Equity capital to assets | 9.7020% | 4,517 |
| Core capital (leverage) ratio | 9.0691% | 4,732 |
| Tier 1 risk-based capital ratio | 18.5487% | 2,131 |
| Total risk-based capital ratio | 19.6038% | 2,155 |
| Memoranda: | ||
| Average total assets | $91,942,000 | 5,153 |
| Average earning assets | $81,620,500 | 5,202 |
| Average equity | $8,996,000 | 5,285 |
| Average total loans | $26,522,000 | 6,278 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2042% | 6,035 |
| Cost of funding earning assets | 0.6557% | 5,792 |
| Net interest margin | 3.5485% | 4,946 |
| Noninterest income to average assets | 0.5251% | 3,681 |
| Noninterest expense to average assets | 3.0724% | 3,300 |
| Loan and lease loss provision to assets | 0.1712% | 4,492 |
| Net operating income to assets | 0.2993% | 5,257 |
| Return on assets (ROA) | 0.3631% | 5,186 |
| Pretax return on assets | 0.4964% | 5,003 |
| Return on Equity (ROE) | 3.9096% | 4,895 |
| Retained earnings to average equity (ytd only) | 2.6724% | 4,332 |
| Net charge-offs to loans | 0.6847% | 2,442 |
| Credit loss provision to net charge-offs | 83.2402% | 4,319 |
| Earnings coverage of net charge-offs (x) | 2.8212% | 3,801 |
| Efficiency ratio | 84.1145% | 1,753 |
| Assets per employee ($millions) | 4.3214% | 3,213 |
| Cash dividends to net income (ytd only)* | 31.6456% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 3,257 |
| Loan loss allowance to noncurrent loans | 124.4186% | 2,524 |
| Noncurrent assets plus other real estate owned to assets | 0.7019% | 5,235 |
| Noncurrent loans to loans | 1.3540% | 4,117 |
| Net loans and leases to total assets | 27.5243% | 7,073 |
| Net loans and leases to deposits | 32.3101% | 7,090 |
| Net loans and leases to core deposits | 37.0385% | 7,016 |
| Total domestic deposits to total assets | 85.1877% | 3,746 |
| Equity capital to assets | 9.8690% | 4,343 |
| Core capital (leverage) ratio | 8.5276% | 5,513 |
| Tier 1 risk-based capital ratio | 18.9233% | 1,922 |
| Total risk-based capital ratio | 19.9933% | 1,936 |
| Memoranda: | ||
| Average total assets | $87,033,600 | 5,260 |
| Average earning assets | $76,708,200 | 5,321 |
| Average equity | $8,082,600 | 5,546 |
| Average total loans | $26,144,000 | 6,346 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1757% | 6,262 |
| Cost of funding earning assets | 0.6757% | 5,904 |
| Net interest margin | 3.5000% | 5,189 |
| Noninterest income to average assets | 0.5667% | 3,395 |
| Noninterest expense to average assets | 3.1666% | 2,934 |
| Loan and lease loss provision to assets | 0.2307% | 3,710 |
| Net operating income to assets | 0.2117% | 5,670 |
| Return on assets (ROA) | 0.2090% | 5,808 |
| Pretax return on assets | 0.2462% | 5,815 |
| Return on Equity (ROE) | 2.2888% | 5,682 |
| Retained earnings to average equity (ytd only) | 0.5934% | 5,780 |
| Net charge-offs to loans | 0.8963% | 1,784 |
| Credit loss provision to net charge-offs | 84.1808% | 3,997 |
| Earnings coverage of net charge-offs (x) | 1.7514% | 4,339 |
| Efficiency ratio | 86.8365% | 1,451 |
| Assets per employee ($millions) | 4.8108% | 2,459 |
| Cash dividends to net income (ytd only)* | 74.0722% | 769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6606% | 3,414 |
| Loan loss allowance to noncurrent loans | 91.6844% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 1.1542% | 4,481 |
| Noncurrent loans to loans | 1.8112% | 3,625 |
| Net loans and leases to total assets | 27.8581% | 7,150 |
| Net loans and leases to deposits | 31.1700% | 7,190 |
| Net loans and leases to core deposits | 35.6834% | 7,126 |
| Total domestic deposits to total assets | 89.3749% | 1,209 |
| Equity capital to assets | 9.6525% | 4,851 |
| Core capital (leverage) ratio | 8.4646% | 5,756 |
| Tier 1 risk-based capital ratio | 19.2888% | 1,860 |
| Total risk-based capital ratio | 20.4099% | 1,852 |
| Memoranda: | ||
| Average total assets | $86,104,750 | 5,326 |
| Average earning assets | $75,769,500 | 5,389 |
| Average equity | $7,864,250 | 5,641 |
| Average total loans | $26,328,500 | 6,397 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1761% | 6,336 |
| Cost of funding earning assets | 0.6884% | 6,024 |
| Net interest margin | 3.4877% | 5,217 |
| Noninterest income to average assets | 0.5739% | 3,305 |
| Noninterest expense to average assets | 3.2868% | 2,609 |
| Loan and lease loss provision to assets | 0.3533% | 2,665 |
| Net operating income to assets | 0.0490% | 6,123 |
| Return on assets (ROA) | 0.0308% | 6,246 |
| Pretax return on assets | -0.0308% | 6,293 |
| Return on Equity (ROE) | 0.3446% | 6,235 |
| Retained earnings to average equity (ytd only) | -2.3063% | 6,295 |
| Net charge-offs to loans | 1.3447% | 1,136 |
| Credit loss provision to net charge-offs | 83.7079% | 3,657 |
| Earnings coverage of net charge-offs (x) | 0.8315% | 4,678 |
| Efficiency ratio | 90.3520% | 1,219 |
| Assets per employee ($millions) | 4.4607% | 2,909 |
| Cash dividends to net income (ytd only)* | 769.2308% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 3,637 |
| Loan loss allowance to noncurrent loans | 51.8116% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1960% | 4,498 |
| Noncurrent loans to loans | 3.1188% | 2,312 |
| Net loans and leases to total assets | 29.2782% | 7,204 |
| Net loans and leases to deposits | 32.2796% | 7,267 |
| Net loans and leases to core deposits | 36.8671% | 7,199 |
| Total domestic deposits to total assets | 90.7020% | 635 |
| Equity capital to assets | 8.8619% | 5,753 |
| Core capital (leverage) ratio | 8.8550% | 4,955 |
| Tier 1 risk-based capital ratio | 18.3239% | 2,068 |
| Total risk-based capital ratio | 19.3893% | 2,082 |
| Memoranda: | ||
| Average total assets | $84,337,670 | 5,417 |
| Average earning assets | $74,088,330 | 5,489 |
| Average equity | $7,544,670 | 5,752 |
| Average total loans | $26,473,330 | 6,454 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2863% | 6,052 |
| Cost of funding earning assets | 0.7218% | 6,020 |
| Net interest margin | 3.5645% | 4,749 |
| Noninterest income to average assets | 0.5568% | 3,460 |
| Noninterest expense to average assets | 3.0330% | 3,511 |
| Loan and lease loss provision to assets | 0.1465% | 4,182 |
| Net operating income to assets | 0.3761% | 5,043 |
| Return on assets (ROA) | 0.3761% | 5,125 |
| Pretax return on assets | 0.5128% | 4,983 |
| Return on Equity (ROE) | 4.1825% | 4,805 |
| Retained earnings to average equity (ytd only) | -1.2493% | 6,033 |
| Net charge-offs to loans | 0.3329% | 2,726 |
| Credit loss provision to net charge-offs | 136.3636% | 2,044 |
| Earnings coverage of net charge-offs (x) | 6.1364% | 2,151 |
| Efficiency ratio | 82.1429% | 2,206 |
| Assets per employee ($millions) | 3.9005% | 4,076 |
| Cash dividends to net income (ytd only)* | 129.8701% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7771% | 3,076 |
| Loan loss allowance to noncurrent loans | 47.3577% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 1.4931% | 4,017 |
| Noncurrent loans to loans | 3.7526% | 1,968 |
| Net loans and leases to total assets | 31.4439% | 7,187 |
| Net loans and leases to deposits | 36.2684% | 7,222 |
| Net loans and leases to core deposits | 40.2708% | 7,160 |
| Total domestic deposits to total assets | 86.6978% | 3,121 |
| Equity capital to assets | 9.0098% | 5,193 |
| Core capital (leverage) ratio | 9.2486% | 4,213 |
| Tier 1 risk-based capital ratio | 18.9102% | 1,821 |
| Total risk-based capital ratio | 20.1093% | 1,808 |
| Memoranda: | ||
| Average total assets | $81,900,000 | 5,526 |
| Average earning assets | $72,044,000 | 5,601 |
| Average equity | $7,364,000 | 5,818 |
| Average total loans | $26,435,500 | 6,505 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 4,998 |
| Cost of funding earning assets | 0.8031% | 6,551 |
| Net interest margin | 4.1040% | 2,545 |
| Noninterest income to average assets | 0.5835% | 3,572 |
| Noninterest expense to average assets | 3.3785% | 2,496 |
| Loan and lease loss provision to assets | 0.0341% | 6,808 |
| Net operating income to assets | 0.6264% | 3,552 |
| Return on assets (ROA) | 0.8108% | 2,883 |
| Pretax return on assets | 1.2024% | 2,221 |
| Return on Equity (ROE) | 8.3277% | 2,564 |
| Retained earnings to average equity (ytd only) | 8.3277% | 881 |
| Net charge-offs to loans | -0.0138% | 7,334 |
| Credit loss provision to net charge-offs | -675.0000% | 7,130 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8522% | 2,729 |
| Assets per employee ($millions) | 3.7222% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7186% | 3,141 |
| Loan loss allowance to noncurrent loans | 103.1532% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 0.8341% | 5,333 |
| Noncurrent loans to loans | 1.6661% | 4,000 |
| Net loans and leases to total assets | 31.9835% | 7,287 |
| Net loans and leases to deposits | 35.3822% | 7,362 |
| Net loans and leases to core deposits | 41.5704% | 7,271 |
| Total domestic deposits to total assets | 90.3943% | 892 |
| Equity capital to assets | 8.9731% | 5,184 |
| Core capital (leverage) ratio | 8.9556% | 4,610 |
| Tier 1 risk-based capital ratio | 19.2194% | 1,667 |
| Total risk-based capital ratio | 20.4194% | 1,651 |
| Memoranda: | ||
| Average total assets | $79,177,400 | 5,614 |
| Average earning assets | $72,465,200 | 5,587 |
| Average equity | $7,709,200 | 5,801 |
| Average total loans | $28,934,600 | 6,448 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 5,126 |
| Cost of funding earning assets | 0.8076% | 6,739 |
| Net interest margin | 4.1245% | 2,518 |
| Noninterest income to average assets | 0.5792% | 3,586 |
| Noninterest expense to average assets | 3.4088% | 2,269 |
| Loan and lease loss provision to assets | 0.0459% | 6,634 |
| Net operating income to assets | 0.6286% | 3,757 |
| Return on assets (ROA) | 0.8526% | 2,932 |
| Pretax return on assets | 1.2620% | 2,293 |
| Return on Equity (ROE) | 8.5816% | 2,656 |
| Retained earnings to average equity (ytd only) | 8.5816% | 1,211 |
| Net charge-offs to loans | -0.0362% | 7,427 |
| Credit loss provision to net charge-offs | -337.5000% | 6,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7003% | 2,662 |
| Assets per employee ($millions) | 3.5436% | 4,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 3,690 |
| Loan loss allowance to noncurrent loans | 255.2486% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.7666% | 5,572 |
| Noncurrent loans to loans | 0.6126% | 5,979 |
| Net loans and leases to total assets | 34.1980% | 7,338 |
| Net loans and leases to deposits | 40.4833% | 7,357 |
| Net loans and leases to core deposits | 45.1959% | 7,284 |
| Total domestic deposits to total assets | 84.4743% | 3,883 |
| Equity capital to assets | 9.6442% | 4,631 |
| Core capital (leverage) ratio | 9.2681% | 4,252 |
| Tier 1 risk-based capital ratio | 19.2280% | 1,700 |
| Total risk-based capital ratio | 20.4074% | 1,683 |
| Memoranda: | ||
| Average total assets | $78,499,500 | 5,705 |
| Average earning assets | $72,475,250 | 5,652 |
| Average equity | $7,799,500 | 5,859 |
| Average total loans | $29,506,000 | 6,507 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9954% | 4,966 |
| Cost of funding earning assets | 0.8255% | 6,832 |
| Net interest margin | 4.1698% | 2,261 |
| Noninterest income to average assets | 0.6080% | 3,278 |
| Noninterest expense to average assets | 3.4750% | 2,084 |
| Loan and lease loss provision to assets | 0.0708% | 6,245 |
| Net operating income to assets | 0.6538% | 3,611 |
| Return on assets (ROA) | 0.8648% | 2,811 |
| Pretax return on assets | 1.2422% | 2,283 |
| Return on Equity (ROE) | 8.6102% | 2,616 |
| Retained earnings to average equity (ytd only) | 8.6102% | 1,226 |
| Net charge-offs to loans | -0.0746% | 7,517 |
| Credit loss provision to net charge-offs | -245.4545% | 6,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4533% | 2,823 |
| Assets per employee ($millions) | 3.1078% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,651 |
| Loan loss allowance to noncurrent loans | 6,642.8571% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.6152% | 5,950 |
| Noncurrent loans to loans | 0.0234% | 7,264 |
| Net loans and leases to total assets | 37.9149% | 7,272 |
| Net loans and leases to deposits | 42.3759% | 7,384 |
| Net loans and leases to core deposits | 45.5442% | 7,368 |
| Total domestic deposits to total assets | 89.4729% | 1,197 |
| Equity capital to assets | 10.0920% | 3,897 |
| Core capital (leverage) ratio | 9.6317% | 3,634 |
| Tier 1 risk-based capital ratio | 21.5659% | 1,260 |
| Total risk-based capital ratio | 22.8170% | 1,241 |
| Memoranda: | ||
| Average total assets | $76,317,330 | 5,794 |
| Average earning assets | $70,986,000 | 5,741 |
| Average equity | $7,665,330 | 5,910 |
| Average total loans | $29,492,670 | 6,556 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 4,279 |
| Cost of funding earning assets | 0.8475% | 6,947 |
| Net interest margin | 4.3059% | 1,674 |
| Noninterest income to average assets | 0.5871% | 3,358 |
| Noninterest expense to average assets | 3.4907% | 2,008 |
| Loan and lease loss provision to assets | 0.1005% | 5,620 |
| Net operating income to assets | 0.7316% | 3,296 |
| Return on assets (ROA) | 0.7934% | 3,109 |
| Pretax return on assets | 1.0842% | 2,790 |
| Return on Equity (ROE) | 7.9182% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.9182% | 1,741 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0369% | 3,207 |
| Assets per employee ($millions) | 3.1228% | 5,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5461% | 3,674 |
| Loan loss allowance to noncurrent loans | 85.1145% | 3,216 |
| Noncurrent assets plus other real estate owned to assets | 0.6992% | 5,776 |
| Noncurrent loans to loans | 1.8165% | 4,037 |
| Net loans and leases to total assets | 37.8953% | 7,351 |
| Net loans and leases to deposits | 43.7578% | 7,414 |
| Net loans and leases to core deposits | 46.4950% | 7,415 |
| Total domestic deposits to total assets | 86.6024% | 2,843 |
| Equity capital to assets | 10.3381% | 3,425 |
| Core capital (leverage) ratio | 9.6522% | 3,578 |
| Tier 1 risk-based capital ratio | 21.3500% | 1,294 |
| Total risk-based capital ratio | 22.6137% | 1,264 |
| Memoranda: | ||
| Average total assets | $75,628,500 | 5,888 |
| Average earning assets | $70,322,000 | 5,839 |
| Average equity | $7,577,500 | 5,985 |
| Average total loans | $29,277,500 | 6,646 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4222% | 4,581 |
| Cost of funding earning assets | 0.9825% | 7,242 |
| Net interest margin | 4.4398% | 1,315 |
| Noninterest income to average assets | 0.6576% | 3,240 |
| Noninterest expense to average assets | 3.4967% | 2,382 |
| Loan and lease loss provision to assets | 0.1220% | 6,422 |
| Net operating income to assets | 0.9067% | 2,155 |
| Return on assets (ROA) | 0.9993% | 1,888 |
| Pretax return on assets | 1.3409% | 1,580 |
| Return on Equity (ROE) | 10.2310% | 1,627 |
| Retained earnings to average equity (ytd only) | 9.6202% | 416 |
| Net charge-offs to loans | 0.1085% | 6,069 |
| Credit loss provision to net charge-offs | 281.2500% | 1,205 |
| Earnings coverage of net charge-offs (x) | 30.8750% | 747 |
| Efficiency ratio | 72.3017% | 4,219 |
| Assets per employee ($millions) | 3.0524% | 6,087 |
| Cash dividends to net income (ytd only)* | 5.9701% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 4,042 |
| Loan loss allowance to noncurrent loans | 82.4324% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 5,758 |
| Noncurrent loans to loans | 1.7436% | 4,022 |
| Net loans and leases to total assets | 38.3706% | 7,436 |
| Net loans and leases to deposits | 46.1053% | 7,436 |
| Net loans and leases to core deposits | 54.8190% | 7,444 |
| Total domestic deposits to total assets | 83.2239% | 4,412 |
| Equity capital to assets | 9.7063% | 4,139 |
| Core capital (leverage) ratio | 9.4216% | 3,810 |
| Tier 1 risk-based capital ratio | 20.0439% | 1,456 |
| Total risk-based capital ratio | 21.2956% | 1,417 |
| Memoranda: | ||
| Average total assets | $73,755,200 | 5,893 |
| Average earning assets | $69,418,200 | 5,828 |
| Average equity | $7,203,600 | 6,204 |
| Average total loans | $29,481,600 | 6,661 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5140% | 4,347 |
| Cost of funding earning assets | 1.0013% | 7,384 |
| Net interest margin | 4.5127% | 1,166 |
| Noninterest income to average assets | 0.6583% | 3,305 |
| Noninterest expense to average assets | 3.4957% | 2,296 |
| Loan and lease loss provision to assets | 0.1331% | 6,028 |
| Net operating income to assets | 0.9601% | 2,196 |
| Return on assets (ROA) | 0.9956% | 2,139 |
| Pretax return on assets | 1.3257% | 1,890 |
| Return on Equity (ROE) | 10.1776% | 1,854 |
| Retained earnings to average equity (ytd only) | 10.1776% | 602 |
| Net charge-offs to loans | 0.0997% | 5,676 |
| Credit loss provision to net charge-offs | 331.8182% | 1,243 |
| Earnings coverage of net charge-offs (x) | 35.1848% | 828 |
| Efficiency ratio | 71.2375% | 4,379 |
| Assets per employee ($millions) | 2.9898% | 6,185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4268% | 3,799 |
| Loan loss allowance to noncurrent loans | 700.0000% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 7,352 |
| Noncurrent loans to loans | 0.2038% | 6,990 |
| Net loans and leases to total assets | 38.8213% | 7,518 |
| Net loans and leases to deposits | 44.0365% | 7,617 |
| Net loans and leases to core deposits | 52.5356% | 7,633 |
| Total domestic deposits to total assets | 88.1571% | 1,588 |
| Equity capital to assets | 10.0488% | 4,026 |
| Core capital (leverage) ratio | 9.3313% | 4,136 |
| Tier 1 risk-based capital ratio | 19.7481% | 1,605 |
| Total risk-based capital ratio | 20.9992% | 1,564 |
| Memoranda: | ||
| Average total assets | $73,116,250 | 5,948 |
| Average earning assets | $68,840,750 | 5,889 |
| Average equity | $7,152,750 | 6,275 |
| Average total loans | $29,425,000 | 6,711 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5827% | 4,162 |
| Cost of funding earning assets | 1.0169% | 7,517 |
| Net interest margin | 4.5658% | 1,023 |
| Noninterest income to average assets | 0.6559% | 3,298 |
| Noninterest expense to average assets | 3.4834% | 2,391 |
| Loan and lease loss provision to assets | 0.0717% | 6,480 |
| Net operating income to assets | 1.0338% | 1,994 |
| Return on assets (ROA) | 1.0582% | 1,994 |
| Pretax return on assets | 1.4275% | 1,650 |
| Return on Equity (ROE) | 10.9194% | 1,722 |
| Retained earnings to average equity (ytd only) | 10.9194% | 577 |
| Net charge-offs to loans | 0.0816% | 5,389 |
| Credit loss provision to net charge-offs | 216.6667% | 2,122 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 755 |
| Efficiency ratio | 70.3786% | 4,702 |
| Assets per employee ($millions) | 3.1307% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 4,169 |
| Loan loss allowance to noncurrent loans | 531.9444% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.1000% | 7,331 |
| Noncurrent loans to loans | 0.2479% | 6,891 |
| Net loans and leases to total assets | 39.7981% | 7,561 |
| Net loans and leases to deposits | 46.9010% | 7,603 |
| Net loans and leases to core deposits | 55.1234% | 7,629 |
| Total domestic deposits to total assets | 84.8554% | 3,334 |
| Equity capital to assets | 9.9492% | 4,017 |
| Core capital (leverage) ratio | 9.2262% | 4,266 |
| Tier 1 risk-based capital ratio | 20.0215% | 1,580 |
| Total risk-based capital ratio | 21.1626% | 1,555 |
| Memoranda: | ||
| Average total assets | $72,573,330 | 6,018 |
| Average earning assets | $68,246,670 | 5,942 |
| Average equity | $7,033,330 | 6,358 |
| Average total loans | $29,421,000 | 6,769 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5914% | 4,408 |
| Cost of funding earning assets | 1.0166% | 7,647 |
| Net interest margin | 4.5748% | 981 |
| Noninterest income to average assets | 0.6533% | 3,179 |
| Noninterest expense to average assets | 3.3710% | 2,444 |
| Loan and lease loss provision to assets | 0.0988% | 5,697 |
| Net operating income to assets | 1.0926% | 1,983 |
| Return on assets (ROA) | 1.0926% | 2,113 |
| Pretax return on assets | 1.4824% | 1,716 |
| Return on Equity (ROE) | 11.4237% | 1,836 |
| Retained earnings to average equity (ytd only) | 11.4237% | 897 |
| Net charge-offs to loans | 0.0946% | 4,229 |
| Credit loss provision to net charge-offs | 257.1429% | 1,829 |
| Earnings coverage of net charge-offs (x) | 41.1429% | 825 |
| Efficiency ratio | 68.0710% | 4,956 |
| Assets per employee ($millions) | 3.2844% | 5,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 4,211 |
| Loan loss allowance to noncurrent loans | 612.9032% | 589 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 7,346 |
| Noncurrent loans to loans | 0.2087% | 6,933 |
| Net loans and leases to total assets | 38.8253% | 7,625 |
| Net loans and leases to deposits | 51.7202% | 7,418 |
| Net loans and leases to core deposits | 59.6858% | 7,474 |
| Total domestic deposits to total assets | 75.0678% | 6,703 |
| Equity capital to assets | 9.4068% | 4,802 |
| Core capital (leverage) ratio | 8.8771% | 4,885 |
| Tier 1 risk-based capital ratio | 19.4587% | 1,726 |
| Total risk-based capital ratio | 20.5902% | 1,703 |
| Memoranda: | ||
| Average total assets | $72,857,000 | 6,033 |
| Average earning assets | $68,462,000 | 5,965 |
| Average equity | $6,968,000 | 6,425 |
| Average total loans | $29,611,500 | 6,791 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8379% | 6,307 |
| Cost of funding earning assets | 1.5522% | 7,529 |
| Net interest margin | 4.2857% | 2,030 |
| Noninterest income to average assets | 0.8082% | 2,470 |
| Noninterest expense to average assets | 3.5285% | 2,319 |
| Loan and lease loss provision to assets | 0.1539% | 5,394 |
| Net operating income to assets | 0.9462% | 2,805 |
| Return on assets (ROA) | -1.0639% | 7,210 |
| Pretax return on assets | -2.0302% | 7,442 |
| Return on Equity (ROE) | -11.5395% | 7,393 |
| Retained earnings to average equity (ytd only) | -11.5395% | 7,210 |
| Net charge-offs to loans | 0.1748% | 4,449 |
| Credit loss provision to net charge-offs | 238.2979% | 1,982 |
| Earnings coverage of net charge-offs (x) | 19.5745% | 1,622 |
| Efficiency ratio | 73.6163% | 3,641 |
| Assets per employee ($millions) | 2.9239% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 4,137 |
| Loan loss allowance to noncurrent loans | 559.0909% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.0941% | 7,203 |
| Noncurrent loans to loans | 0.2236% | 6,716 |
| Net loans and leases to total assets | 41.5331% | 7,609 |
| Net loans and leases to deposits | 52.3974% | 7,517 |
| Net loans and leases to core deposits | 59.2655% | 7,612 |
| Total domestic deposits to total assets | 79.2655% | 5,279 |
| Equity capital to assets | 9.7331% | 4,389 |
| Core capital (leverage) ratio | 8.6074% | 5,370 |
| Tier 1 risk-based capital ratio | 19.7673% | 1,655 |
| Total risk-based capital ratio | 20.9185% | 1,628 |
| Memoranda: | ||
| Average total assets | $72,751,000 | 5,941 |
| Average earning assets | $67,644,200 | 5,907 |
| Average equity | $6,707,400 | 6,564 |
| Average total loans | $26,883,200 | 6,906 |