Home > First National Bank in Ord > Performance and Condition Ratios
First National Bank in Ord, 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 | 4.7535% | 2,565 |
| Cost of funding earning assets | 0.7580% | 3,843 |
| Net interest margin | 3.9955% | 1,217 |
| Noninterest income to average assets | 0.2600% | 3,376 |
| Noninterest expense to average assets | 2.3800% | 2,644 |
| Loan and lease loss provision to assets | 0.0200% | 2,739 |
| Net operating income to assets | 1.6476% | 800 |
| Return on assets (ROA) | 1.6476% | 770 |
| Pretax return on assets | 1.6857% | 1,090 |
| Return on Equity (ROE) | 17.7800% | 847 |
| Retained earnings to average equity (ytd only) | 9.1194% | 1,228 |
| Net charge-offs to loans | -0.0097% | 3,985 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.1928% | 3,278 |
| Assets per employee ($millions) | 6.3170% | 2,541 |
| Cash dividends to net income (ytd only)* | 48.7200% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6398% | 775 |
| Loan loss allowance to noncurrent loans | 257.4074% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.3206% | 1,662 |
| Noncurrent loans to loans | 0.6370% | 1,239 |
| Net loans and leases to total assets | 49.5000% | 3,625 |
| Net loans and leases to deposits | 55.6045% | 3,730 |
| Net loans and leases to core deposits | 56.6599% | 3,889 |
| Total domestic deposits to total assets | 89.0200% | 1,059 |
| Equity capital to assets | 9.5747% | 2,290 |
| Core capital (leverage) ratio | 10.2328% | 2,568 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9146% | 699 |
| Memoranda: | ||
| Average total assets | $149,369,800 | 3,372 |
| Average earning assets | $143,009,200 | 3,312 |
| Average equity | $13,838,600 | 3,359 |
| Average total loans | $72,203,000 | 3,521 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5509% | 2,796 |
| Cost of funding earning assets | 0.6809% | 3,810 |
| Net interest margin | 3.8700% | 1,460 |
| Noninterest income to average assets | 0.2800% | 3,257 |
| Noninterest expense to average assets | 2.1217% | 3,298 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 1.7973% | 675 |
| Return on assets (ROA) | 1.7973% | 667 |
| Pretax return on assets | 1.8511% | 925 |
| Return on Equity (ROE) | 19.5700% | 766 |
| Retained earnings to average equity (ytd only) | 16.8452% | 400 |
| Net charge-offs to loans | -0.0094% | 3,920 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 53.0823% | 3,665 |
| Assets per employee ($millions) | 6.0430% | 2,709 |
| Cash dividends to net income (ytd only)* | 13.9083% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6851% | 726 |
| Loan loss allowance to noncurrent loans | 254.0984% | 2,208 |
| Noncurrent assets plus other real estate owned to assets | 0.3365% | 1,681 |
| Noncurrent loans to loans | 0.6632% | 1,242 |
| Net loans and leases to total assets | 49.8800% | 3,623 |
| Net loans and leases to deposits | 56.5430% | 3,682 |
| Net loans and leases to core deposits | 58.6974% | 3,756 |
| Total domestic deposits to total assets | 88.2200% | 1,500 |
| Equity capital to assets | 10.1536% | 1,737 |
| Core capital (leverage) ratio | 10.5013% | 2,389 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9640% | 630 |
| Memoranda: | ||
| Average total assets | $148,810,250 | 3,384 |
| Average earning assets | $142,943,500 | 3,320 |
| Average equity | $13,669,250 | 3,362 |
| Average total loans | $71,180,750 | 3,538 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3081% | 3,085 |
| Cost of funding earning assets | 0.6097% | 3,724 |
| Net interest margin | 3.6984% | 1,815 |
| Noninterest income to average assets | 0.3300% | 2,899 |
| Noninterest expense to average assets | 2.0524% | 3,457 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.7299% | 741 |
| Return on assets (ROA) | 1.7299% | 744 |
| Pretax return on assets | 1.7952% | 1,019 |
| Return on Equity (ROE) | 19.4900% | 766 |
| Retained earnings to average equity (ytd only) | 16.7005% | 411 |
| Net charge-offs to loans | -0.0085% | 3,861 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 53.0120% | 3,695 |
| Assets per employee ($millions) | 6.4273% | 2,356 |
| Cash dividends to net income (ytd only)* | 14.3297% | 2,612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 709 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 47.4000% | 3,718 |
| Net loans and leases to deposits | 53.2841% | 3,786 |
| Net loans and leases to core deposits | 55.1428% | 3,841 |
| Total domestic deposits to total assets | 88.9600% | 1,272 |
| Equity capital to assets | 9.4834% | 2,168 |
| Core capital (leverage) ratio | 9.7624% | 2,989 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.1543% | 708 |
| Memoranda: | ||
| Average total assets | $150,069,667 | 3,379 |
| Average earning assets | $143,682,333 | 3,326 |
| Average equity | $13,317,000 | 3,406 |
| Average total loans | $70,379,667 | 3,558 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 3,451 |
| Cost of funding earning assets | 0.5283% | 3,599 |
| Net interest margin | 3.4741% | 2,440 |
| Noninterest income to average assets | 0.5300% | 1,720 |
| Noninterest expense to average assets | 1.8361% | 3,967 |
| Loan and lease loss provision to assets | 0.0200% | 2,260 |
| Net operating income to assets | 1.9181% | 556 |
| Return on assets (ROA) | 1.9181% | 549 |
| Pretax return on assets | 1.9895% | 794 |
| Return on Equity (ROE) | 22.3700% | 558 |
| Retained earnings to average equity (ytd only) | 19.4971% | 405 |
| Net charge-offs to loans | -0.0114% | 3,895 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 47.6976% | 4,104 |
| Assets per employee ($millions) | 6.5108% | 2,338 |
| Cash dividends to net income (ytd only)* | 12.8276% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8014% | 662 |
| Loan loss allowance to noncurrent loans | 60,950.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 3,919 |
| Noncurrent loans to loans | 0.0030% | 3,834 |
| Net loans and leases to total assets | 44.3700% | 3,847 |
| Net loans and leases to deposits | 49.5618% | 3,907 |
| Net loans and leases to core deposits | 51.0577% | 3,953 |
| Total domestic deposits to total assets | 89.5300% | 1,331 |
| Equity capital to assets | 8.9977% | 2,519 |
| Core capital (leverage) ratio | 9.3993% | 3,300 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0062% | 744 |
| Memoranda: | ||
| Average total assets | $151,191,000 | 3,413 |
| Average earning assets | $144,613,500 | 3,361 |
| Average equity | $12,966,000 | 3,478 |
| Average total loans | $69,917,000 | 3,607 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6411% | 4,439 |
| Cost of funding earning assets | 0.2480% | 3,339 |
| Net interest margin | 2.3932% | 4,367 |
| Noninterest income to average assets | 0.2500% | 3,641 |
| Noninterest expense to average assets | 1.9384% | 3,748 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 0.5774% | 3,931 |
| Return on assets (ROA) | 0.5774% | 3,896 |
| Pretax return on assets | 0.6004% | 4,025 |
| Return on Equity (ROE) | 7.3500% | 3,555 |
| Retained earnings to average equity (ytd only) | 4.9900% | 3,060 |
| Net charge-offs to loans | -0.0086% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.6663% | 1,050 |
| Assets per employee ($millions) | 6.9379% | 2,016 |
| Cash dividends to net income (ytd only)* | 32.1547% | 2,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6739% | 835 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 46.4900% | 3,771 |
| Net loans and leases to deposits | 51.3880% | 3,836 |
| Net loans and leases to core deposits | 52.7742% | 3,877 |
| Total domestic deposits to total assets | 90.4700% | 1,166 |
| Equity capital to assets | 8.1621% | 2,956 |
| Core capital (leverage) ratio | 8.9365% | 3,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.3664% | 917 |
| Memoranda: | ||
| Average total assets | $156,728,200 | 3,375 |
| Average earning assets | $151,640,800 | 3,311 |
| Average equity | $12,304,600 | 3,643 |
| Average total loans | $69,762,200 | 3,583 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4035% | 4,495 |
| Cost of funding earning assets | 0.2070% | 3,190 |
| Net interest margin | 2.1964% | 4,464 |
| Noninterest income to average assets | 0.2800% | 3,503 |
| Noninterest expense to average assets | 1.8028% | 3,981 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 0.5697% | 3,913 |
| Return on assets (ROA) | 0.5697% | 3,867 |
| Pretax return on assets | 0.5925% | 4,001 |
| Return on Equity (ROE) | 7.3300% | 3,513 |
| Retained earnings to average equity (ytd only) | 5.1740% | 3,034 |
| Net charge-offs to loans | -0.0096% | 3,696 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.5544% | 1,227 |
| Assets per employee ($millions) | 6.6720% | 2,179 |
| Cash dividends to net income (ytd only)* | 29.3769% | 2,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 998 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 46.8900% | 3,715 |
| Net loans and leases to deposits | 51.6941% | 3,751 |
| Net loans and leases to core deposits | 54.0740% | 3,739 |
| Total domestic deposits to total assets | 90.7000% | 1,364 |
| Equity capital to assets | 7.8121% | 3,015 |
| Core capital (leverage) ratio | 8.6676% | 3,909 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.9679% | 993 |
| Memoranda: | ||
| Average total assets | $157,752,000 | 3,390 |
| Average earning assets | $153,275,000 | 3,321 |
| Average equity | $12,266,250 | 3,687 |
| Average total loans | $69,161,500 | 3,604 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1764% | 4,574 |
| Cost of funding earning assets | 0.1757% | 3,239 |
| Net interest margin | 2.0007% | 4,557 |
| Noninterest income to average assets | 0.3443% | 3,090 |
| Noninterest expense to average assets | 1.7200% | 4,109 |
| Loan and lease loss provision to assets | 0.0226% | 2,191 |
| Net operating income to assets | 0.5264% | 3,829 |
| Return on assets (ROA) | 0.5264% | 3,780 |
| Pretax return on assets | 0.5478% | 3,926 |
| Return on Equity (ROE) | 6.7805% | 3,369 |
| Retained earnings to average equity (ytd only) | 5.0813% | 2,681 |
| Net charge-offs to loans | -0.0088% | 3,544 |
| Credit loss provision to net charge-offs | -600.0000% | 3,419 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0960% | 1,379 |
| Assets per employee ($millions) | 6.7913% | 2,078 |
| Cash dividends to net income (ytd only)* | 25.0597% | 2,270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7502% | 874 |
| Loan loss allowance to noncurrent loans | 3,297.2222% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 3,770 |
| Noncurrent loans to loans | 0.0531% | 3,553 |
| Net loans and leases to total assets | 42.6590% | 3,926 |
| Net loans and leases to deposits | 46.9587% | 3,988 |
| Net loans and leases to core deposits | 49.0771% | 3,973 |
| Total domestic deposits to total assets | 90.8437% | 1,313 |
| Equity capital to assets | 7.7388% | 3,315 |
| Core capital (leverage) ratio | 7.9863% | 4,344 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8190% | 880 |
| Memoranda: | ||
| Average total assets | $159,184,333 | 3,419 |
| Average earning assets | $154,843,667 | 3,350 |
| Average equity | $12,359,000 | 3,750 |
| Average total loans | $67,832,000 | 3,660 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0090% | 4,615 |
| Cost of funding earning assets | 0.1766% | 3,133 |
| Net interest margin | 1.8324% | 4,604 |
| Noninterest income to average assets | 0.5477% | 1,913 |
| Noninterest expense to average assets | 1.6132% | 4,274 |
| Loan and lease loss provision to assets | 0.0224% | 1,953 |
| Net operating income to assets | 0.6697% | 3,162 |
| Return on assets (ROA) | 0.6697% | 3,145 |
| Pretax return on assets | 0.6946% | 3,410 |
| Return on Equity (ROE) | 8.6118% | 2,479 |
| Retained earnings to average equity (ytd only) | 6.9150% | 1,917 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2308% | 2,339 |
| Assets per employee ($millions) | 7.3805% | 1,753 |
| Cash dividends to net income (ytd only)* | 19.7026% | 1,987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7697% | 926 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 40.1670% | 4,001 |
| Net loans and leases to deposits | 44.0828% | 4,060 |
| Net loans and leases to core deposits | 45.9866% | 4,074 |
| Total domestic deposits to total assets | 91.1173% | 971 |
| Equity capital to assets | 7.5610% | 3,890 |
| Core capital (leverage) ratio | 8.1440% | 4,201 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1706% | 880 |
| Memoranda: | ||
| Average total assets | $160,677,000 | 3,414 |
| Average earning assets | $156,299,000 | 3,358 |
| Average equity | $12,494,500 | 3,812 |
| Average total loans | $67,838,000 | 3,663 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7797% | 4,231 |
| Cost of funding earning assets | 0.2207% | 3,247 |
| Net interest margin | 2.5590% | 4,110 |
| Noninterest income to average assets | 0.2334% | 3,982 |
| Noninterest expense to average assets | 2.0165% | 3,629 |
| Loan and lease loss provision to assets | 0.0235% | 2,597 |
| Net operating income to assets | 0.6473% | 3,755 |
| Return on assets (ROA) | 0.6473% | 3,812 |
| Pretax return on assets | 0.6728% | 3,987 |
| Return on Equity (ROE) | 7.7730% | 3,291 |
| Retained earnings to average equity (ytd only) | 5.8258% | 2,432 |
| Net charge-offs to loans | -0.0118% | 3,799 |
| Credit loss provision to net charge-offs | -450.0000% | 3,736 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3312% | 1,270 |
| Assets per employee ($millions) | 7.5706% | 1,573 |
| Cash dividends to net income (ytd only)* | 25.0505% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 1,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 42.8445% | 3,923 |
| Net loans and leases to deposits | 47.2335% | 4,036 |
| Net loans and leases to core deposits | 49.4285% | 4,035 |
| Total domestic deposits to total assets | 90.7078% | 622 |
| Equity capital to assets | 7.9959% | 4,364 |
| Core capital (leverage) ratio | 8.5751% | 3,846 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1889% | 1,009 |
| Memoranda: | ||
| Average total assets | $152,938,400 | 3,457 |
| Average earning assets | $148,180,200 | 3,392 |
| Average equity | $12,736,400 | 3,851 |
| Average total loans | $67,864,600 | 3,686 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9928% | 4,015 |
| Cost of funding earning assets | 0.2318% | 3,307 |
| Net interest margin | 2.7610% | 3,861 |
| Noninterest income to average assets | 0.2324% | 4,007 |
| Noninterest expense to average assets | 1.9027% | 3,939 |
| Loan and lease loss provision to assets | 0.0238% | 2,519 |
| Net operating income to assets | 0.9421% | 3,116 |
| Return on assets (ROA) | 0.9421% | 3,194 |
| Pretax return on assets | 0.9800% | 3,521 |
| Return on Equity (ROE) | 11.1958% | 2,311 |
| Retained earnings to average equity (ytd only) | 9.3334% | 1,562 |
| Net charge-offs to loans | -0.0158% | 3,866 |
| Credit loss provision to net charge-offs | -337.5000% | 3,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4650% | 2,178 |
| Assets per employee ($millions) | 6.6295% | 2,151 |
| Cash dividends to net income (ytd only)* | 16.6355% | 2,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 1,191 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 46.9092% | 3,723 |
| Net loans and leases to deposits | 52.3907% | 3,851 |
| Net loans and leases to core deposits | 55.0919% | 3,850 |
| Total domestic deposits to total assets | 89.5372% | 991 |
| Equity capital to assets | 8.8810% | 3,938 |
| Core capital (leverage) ratio | 8.6985% | 3,853 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2650% | 1,087 |
| Memoranda: | ||
| Average total assets | $151,427,500 | 3,506 |
| Average earning assets | $146,657,750 | 3,442 |
| Average equity | $12,742,500 | 3,906 |
| Average total loans | $67,510,500 | 3,752 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2851% | 3,472 |
| Cost of funding earning assets | 0.2424% | 3,350 |
| Net interest margin | 3.0427% | 3,201 |
| Noninterest income to average assets | 0.2609% | 3,831 |
| Noninterest expense to average assets | 1.8397% | 4,098 |
| Loan and lease loss provision to assets | 0.0235% | 2,499 |
| Net operating income to assets | 1.2943% | 1,884 |
| Return on assets (ROA) | 1.2943% | 1,955 |
| Pretax return on assets | 1.3452% | 2,496 |
| Return on Equity (ROE) | 15.6562% | 1,029 |
| Retained earnings to average equity (ytd only) | 13.9517% | 552 |
| Net charge-offs to loans | -0.0239% | 4,057 |
| Credit loss provision to net charge-offs | -225.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3404% | 3,361 |
| Assets per employee ($millions) | 6.8949% | 1,878 |
| Cash dividends to net income (ytd only)* | 10.8871% | 2,836 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7203% | 1,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 43.2364% | 4,094 |
| Net loans and leases to deposits | 48.0550% | 4,213 |
| Net loans and leases to core deposits | 50.4198% | 4,222 |
| Total domestic deposits to total assets | 89.9728% | 794 |
| Equity capital to assets | 8.5426% | 4,167 |
| Core capital (leverage) ratio | 8.4767% | 3,999 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9929% | 964 |
| Memoranda: | ||
| Average total assets | $153,286,667 | 3,499 |
| Average earning assets | $148,488,000 | 3,439 |
| Average equity | $12,672,333 | 3,920 |
| Average total loans | $66,822,667 | 3,782 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 1,799 |
| Cost of funding earning assets | 0.2625% | 3,354 |
| Net interest margin | 3.6508% | 1,448 |
| Noninterest income to average assets | 0.4050% | 3,059 |
| Noninterest expense to average assets | 1.7185% | 4,342 |
| Loan and lease loss provision to assets | 0.0234% | 2,475 |
| Net operating income to assets | 2.1183% | 473 |
| Return on assets (ROA) | 2.1183% | 515 |
| Pretax return on assets | 2.2014% | 683 |
| Return on Equity (ROE) | 26.0505% | 230 |
| Retained earnings to average equity (ytd only) | 24.8374% | 143 |
| Net charge-offs to loans | -0.0419% | 4,327 |
| Credit loss provision to net charge-offs | -128.5714% | 2,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5813% | 4,603 |
| Assets per employee ($millions) | 7.0528% | 1,768 |
| Cash dividends to net income (ytd only)* | 4.6569% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7155% | 1,013 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 42.0189% | 4,236 |
| Net loans and leases to deposits | 46.5414% | 4,323 |
| Net loans and leases to core deposits | 48.8656% | 4,343 |
| Total domestic deposits to total assets | 90.2830% | 678 |
| Equity capital to assets | 8.3030% | 4,274 |
| Core capital (leverage) ratio | 8.4067% | 4,217 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3701% | 870 |
| Memoranda: | ||
| Average total assets | $154,086,500 | 3,488 |
| Average earning assets | $149,336,500 | 3,425 |
| Average equity | $12,529,500 | 3,951 |
| Average total loans | $66,868,000 | 3,797 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1169% | 4,548 |
| Cost of funding earning assets | 0.4797% | 3,083 |
| Net interest margin | 2.6372% | 4,452 |
| Noninterest income to average assets | 0.1652% | 4,470 |
| Noninterest expense to average assets | 2.0698% | 4,002 |
| Loan and lease loss provision to assets | 0.0248% | 4,086 |
| Net operating income to assets | 0.5940% | 3,775 |
| Return on assets (ROA) | 0.6085% | 3,846 |
| Pretax return on assets | 0.6326% | 4,012 |
| Return on Equity (ROE) | 7.2111% | 3,116 |
| Retained earnings to average equity (ytd only) | 1.7294% | 3,933 |
| Net charge-offs to loans | -0.0045% | 4,100 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3198% | 1,187 |
| Assets per employee ($millions) | 6.9551% | 1,615 |
| Cash dividends to net income (ytd only)* | 76.0181% | 770 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6647% | 1,124 |
| Loan loss allowance to noncurrent loans | 4,878.2609% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 4,334 |
| Noncurrent loans to loans | 0.0341% | 4,169 |
| Net loans and leases to total assets | 43.3162% | 4,286 |
| Net loans and leases to deposits | 47.7683% | 4,399 |
| Net loans and leases to core deposits | 50.1764% | 4,414 |
| Total domestic deposits to total assets | 90.6798% | 307 |
| Equity capital to assets | 7.9575% | 4,725 |
| Core capital (leverage) ratio | 7.9709% | 4,644 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.0027% | 1,261 |
| Memoranda: | ||
| Average total assets | $145,276,800 | 3,452 |
| Average earning assets | $140,301,200 | 3,381 |
| Average equity | $12,258,800 | 3,950 |
| Average total loans | $67,348,400 | 3,789 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2899% | 4,484 |
| Cost of funding earning assets | 0.5257% | 3,073 |
| Net interest margin | 2.7642% | 4,384 |
| Noninterest income to average assets | 0.1888% | 4,343 |
| Noninterest expense to average assets | 1.9942% | 4,157 |
| Loan and lease loss provision to assets | 0.0251% | 4,024 |
| Net operating income to assets | 0.8082% | 3,058 |
| Return on assets (ROA) | 0.8278% | 3,113 |
| Pretax return on assets | 0.8604% | 3,491 |
| Return on Equity (ROE) | 9.6636% | 2,145 |
| Retained earnings to average equity (ytd only) | 3.6048% | 3,253 |
| Net charge-offs to loans | -0.0139% | 4,310 |
| Credit loss provision to net charge-offs | -385.7143% | 3,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7463% | 1,915 |
| Assets per employee ($millions) | 7.0810% | 1,446 |
| Cash dividends to net income (ytd only)* | 62.6966% | 1,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 1,171 |
| Loan loss allowance to noncurrent loans | 5,077.2727% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,422 |
| Noncurrent loans to loans | 0.0310% | 4,275 |
| Net loans and leases to total assets | 44.7949% | 4,382 |
| Net loans and leases to deposits | 49.4473% | 4,505 |
| Net loans and leases to core deposits | 52.6975% | 4,499 |
| Total domestic deposits to total assets | 90.5913% | 261 |
| Equity capital to assets | 7.9349% | 4,737 |
| Core capital (leverage) ratio | 7.9925% | 4,685 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.9273% | 1,267 |
| Memoranda: | ||
| Average total assets | $143,343,000 | 3,462 |
| Average earning assets | $138,480,500 | 3,387 |
| Average equity | $12,279,500 | 3,952 |
| Average total loans | $67,335,250 | 3,800 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5410% | 4,362 |
| Cost of funding earning assets | 0.5857% | 3,041 |
| Net interest margin | 2.9553% | 4,217 |
| Noninterest income to average assets | 0.2213% | 4,164 |
| Noninterest expense to average assets | 2.0015% | 4,232 |
| Loan and lease loss provision to assets | 0.0259% | 3,935 |
| Net operating income to assets | 1.0042% | 2,308 |
| Return on assets (ROA) | 1.0345% | 2,339 |
| Pretax return on assets | 1.0747% | 2,793 |
| Return on Equity (ROE) | 11.7529% | 1,405 |
| Retained earnings to average equity (ytd only) | 5.1092% | 2,422 |
| Net charge-offs to loans | -0.0121% | 4,258 |
| Credit loss provision to net charge-offs | -450.0000% | 3,598 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1848% | 2,637 |
| Assets per employee ($millions) | 7.0818% | 1,398 |
| Cash dividends to net income (ytd only)* | 56.5278% | 1,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6117% | 982 |
| Loan loss allowance to noncurrent loans | 1,116.1616% | 512 |
| Noncurrent assets plus other real estate owned to assets | 0.0635% | 4,214 |
| Noncurrent loans to loans | 0.1444% | 3,880 |
| Net loans and leases to total assets | 43.2965% | 4,490 |
| Net loans and leases to deposits | 47.8120% | 4,599 |
| Net loans and leases to core deposits | 50.9536% | 4,604 |
| Total domestic deposits to total assets | 90.5558% | 260 |
| Equity capital to assets | 7.9923% | 4,720 |
| Core capital (leverage) ratio | 8.0210% | 4,743 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2840% | 1,181 |
| Memoranda: | ||
| Average total assets | $139,197,000 | 3,489 |
| Average earning assets | $134,200,000 | 3,416 |
| Average equity | $12,252,333 | 3,955 |
| Average total loans | $66,147,333 | 3,833 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,280 |
| Cost of funding earning assets | 0.6397% | 3,225 |
| Net interest margin | 3.1220% | 4,043 |
| Noninterest income to average assets | 0.3759% | 3,264 |
| Noninterest expense to average assets | 2.0108% | 4,376 |
| Loan and lease loss provision to assets | 0.0275% | 3,445 |
| Net operating income to assets | 1.2836% | 1,287 |
| Return on assets (ROA) | 1.2865% | 1,370 |
| Pretax return on assets | 1.3385% | 1,758 |
| Return on Equity (ROE) | 13.8572% | 725 |
| Retained earnings to average equity (ytd only) | 7.1755% | 1,486 |
| Net charge-offs to loans | -0.0123% | 4,147 |
| Credit loss provision to net charge-offs | -450.0000% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6014% | 3,797 |
| Assets per employee ($millions) | 5.9632% | 1,714 |
| Cash dividends to net income (ytd only)* | 48.2185% | 1,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7310% | 820 |
| Loan loss allowance to noncurrent loans | 1,127.8351% | 514 |
| Noncurrent assets plus other real estate owned to assets | 0.0739% | 4,231 |
| Noncurrent loans to loans | 0.1535% | 3,910 |
| Net loans and leases to total assets | 47.3417% | 4,371 |
| Net loans and leases to deposits | 53.2453% | 4,478 |
| Net loans and leases to core deposits | 54.9867% | 4,532 |
| Total domestic deposits to total assets | 88.9123% | 702 |
| Equity capital to assets | 9.4214% | 4,297 |
| Core capital (leverage) ratio | 9.1839% | 4,292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2960% | 1,101 |
| Memoranda: | ||
| Average total assets | $130,895,500 | 3,576 |
| Average earning assets | $125,687,500 | 3,499 |
| Average equity | $12,152,500 | 3,980 |
| Average total loans | $64,940,500 | 3,863 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 4,307 |
| Cost of funding earning assets | 0.6171% | 3,572 |
| Net interest margin | 3.3592% | 3,854 |
| Noninterest income to average assets | 0.2182% | 4,359 |
| Noninterest expense to average assets | 2.2702% | 4,023 |
| Loan and lease loss provision to assets | 0.0275% | 3,464 |
| Net operating income to assets | 1.0809% | 2,519 |
| Return on assets (ROA) | 1.0809% | 2,619 |
| Pretax return on assets | 1.1221% | 3,103 |
| Return on Equity (ROE) | 12.2801% | 1,404 |
| Retained earnings to average equity (ytd only) | 5.7197% | 2,021 |
| Net charge-offs to loans | -0.0074% | 4,401 |
| Credit loss provision to net charge-offs | -720.0000% | 4,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0495% | 2,762 |
| Assets per employee ($millions) | 5.9364% | 1,678 |
| Cash dividends to net income (ytd only)* | 53.4227% | 1,861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6242% | 930 |
| Loan loss allowance to noncurrent loans | 895.0413% | 621 |
| Noncurrent assets plus other real estate owned to assets | 0.0926% | 4,163 |
| Noncurrent loans to loans | 0.1815% | 3,807 |
| Net loans and leases to total assets | 50.2266% | 4,321 |
| Net loans and leases to deposits | 56.2785% | 4,446 |
| Net loans and leases to core deposits | 58.1174% | 4,515 |
| Total domestic deposits to total assets | 89.2466% | 578 |
| Equity capital to assets | 9.1462% | 4,613 |
| Core capital (leverage) ratio | 9.1788% | 4,375 |
| Tier 1 risk-based capital ratio | 16.0704% | 2,380 |
| Total risk-based capital ratio | 17.3241% | 2,324 |
| Memoranda: | ||
| Average total assets | $131,089,600 | 3,551 |
| Average earning assets | $124,939,000 | 3,495 |
| Average equity | $11,539,000 | 4,051 |
| Average total loans | $67,365,000 | 3,828 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 4,391 |
| Cost of funding earning assets | 0.6031% | 3,688 |
| Net interest margin | 3.3829% | 3,904 |
| Noninterest income to average assets | 0.2429% | 4,284 |
| Noninterest expense to average assets | 2.2172% | 4,152 |
| Loan and lease loss provision to assets | 0.0274% | 3,353 |
| Net operating income to assets | 1.1726% | 2,295 |
| Return on assets (ROA) | 1.1726% | 2,376 |
| Pretax return on assets | 1.2184% | 2,924 |
| Return on Equity (ROE) | 13.4525% | 1,123 |
| Retained earnings to average equity (ytd only) | 7.0060% | 1,860 |
| Net charge-offs to loans | 0.0040% | 3,269 |
| Credit loss provision to net charge-offs | 1,350.0000% | 275 |
| Earnings coverage of net charge-offs (x) | 612.2210% | 163 |
| Efficiency ratio | 63.5857% | 3,083 |
| Assets per employee ($millions) | 5.9169% | 1,662 |
| Cash dividends to net income (ytd only)* | 47.9199% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5571% | 1,097 |
| Loan loss allowance to noncurrent loans | 15,242.8571% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 4,746 |
| Noncurrent loans to loans | 0.0102% | 4,638 |
| Net loans and leases to total assets | 51.8237% | 4,325 |
| Net loans and leases to deposits | 57.1840% | 4,505 |
| Net loans and leases to core deposits | 60.0536% | 4,535 |
| Total domestic deposits to total assets | 90.6262% | 148 |
| Equity capital to assets | 9.1279% | 4,710 |
| Core capital (leverage) ratio | 9.2488% | 4,430 |
| Tier 1 risk-based capital ratio | 15.9637% | 2,439 |
| Total risk-based capital ratio | 17.2167% | 2,383 |
| Memoranda: | ||
| Average total assets | $131,212,000 | 3,583 |
| Average earning assets | $124,899,000 | 3,533 |
| Average equity | $11,437,500 | 4,102 |
| Average total loans | $67,536,500 | 3,867 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9380% | 4,499 |
| Cost of funding earning assets | 0.5838% | 3,731 |
| Net interest margin | 3.3542% | 4,018 |
| Noninterest income to average assets | 0.2721% | 4,117 |
| Noninterest expense to average assets | 2.2043% | 4,214 |
| Loan and lease loss provision to assets | 0.0274% | 3,273 |
| Net operating income to assets | 1.1812% | 2,219 |
| Return on assets (ROA) | 1.1812% | 2,288 |
| Pretax return on assets | 1.2283% | 2,818 |
| Return on Equity (ROE) | 13.7652% | 1,030 |
| Retained earnings to average equity (ytd only) | 7.5824% | 1,566 |
| Net charge-offs to loans | 0.0119% | 2,711 |
| Credit loss provision to net charge-offs | 450.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 206.5000% | 383 |
| Efficiency ratio | 63.0492% | 3,280 |
| Assets per employee ($millions) | 5.8100% | 1,687 |
| Cash dividends to net income (ytd only)* | 44.9163% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5457% | 1,145 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0258% | 4,650 |
| Noncurrent loans to loans | 0.0483% | 4,473 |
| Net loans and leases to total assets | 52.6212% | 4,316 |
| Net loans and leases to deposits | 58.0422% | 4,515 |
| Net loans and leases to core deposits | 60.6764% | 4,553 |
| Total domestic deposits to total assets | 90.6604% | 162 |
| Equity capital to assets | 9.1378% | 4,705 |
| Core capital (leverage) ratio | 8.9144% | 4,700 |
| Tier 1 risk-based capital ratio | 15.5624% | 2,603 |
| Total risk-based capital ratio | 16.8142% | 2,529 |
| Memoranda: | ||
| Average total assets | $131,558,670 | 3,601 |
| Average earning assets | $125,037,670 | 3,547 |
| Average equity | $11,289,330 | 4,134 |
| Average total loans | $67,206,330 | 3,901 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8272% | 4,662 |
| Cost of funding earning assets | 0.5554% | 3,799 |
| Net interest margin | 3.2719% | 4,225 |
| Noninterest income to average assets | 0.3807% | 3,321 |
| Noninterest expense to average assets | 2.0775% | 4,499 |
| Loan and lease loss provision to assets | 0.0270% | 3,067 |
| Net operating income to assets | 1.3161% | 1,640 |
| Return on assets (ROA) | 1.3161% | 1,684 |
| Pretax return on assets | 1.3670% | 2,204 |
| Return on Equity (ROE) | 15.8284% | 610 |
| Retained earnings to average equity (ytd only) | 10.6003% | 902 |
| Net charge-offs to loans | -0.0240% | 4,562 |
| Credit loss provision to net charge-offs | -225.0000% | 3,663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6356% | 3,999 |
| Assets per employee ($millions) | 5.9223% | 1,611 |
| Cash dividends to net income (ytd only)* | 33.0296% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6063% | 1,048 |
| Loan loss allowance to noncurrent loans | 8,791.6667% | 94 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 4,831 |
| Noncurrent loans to loans | 0.0183% | 4,699 |
| Net loans and leases to total assets | 49.6001% | 4,495 |
| Net loans and leases to deposits | 54.4175% | 4,661 |
| Net loans and leases to core deposits | 56.8443% | 4,681 |
| Total domestic deposits to total assets | 91.1474% | 144 |
| Equity capital to assets | 8.7113% | 4,874 |
| Core capital (leverage) ratio | 8.7721% | 4,812 |
| Tier 1 risk-based capital ratio | 15.6110% | 2,608 |
| Total risk-based capital ratio | 16.8636% | 2,531 |
| Memoranda: | ||
| Average total assets | $133,427,500 | 3,616 |
| Average earning assets | $126,044,000 | 3,571 |
| Average equity | $11,094,000 | 4,177 |
| Average total loans | $66,651,000 | 3,952 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6374% | 4,758 |
| Cost of funding earning assets | 0.4642% | 3,586 |
| Net interest margin | 3.1732% | 4,532 |
| Noninterest income to average assets | 0.2516% | 4,419 |
| Noninterest expense to average assets | 2.3521% | 3,989 |
| Loan and lease loss provision to assets | 0.0274% | 3,630 |
| Net operating income to assets | 0.8499% | 3,610 |
| Return on assets (ROA) | 0.8499% | 3,607 |
| Pretax return on assets | 0.8864% | 3,930 |
| Return on Equity (ROE) | 10.6428% | 2,226 |
| Retained earnings to average equity (ytd only) | 4.7121% | 2,927 |
| Net charge-offs to loans | -0.0167% | 4,640 |
| Credit loss provision to net charge-offs | -327.2727% | 4,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2514% | 2,142 |
| Assets per employee ($millions) | 6.2075% | 1,385 |
| Cash dividends to net income (ytd only)* | 55.7245% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5409% | 1,173 |
| Loan loss allowance to noncurrent loans | 11,577.7778% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 4,883 |
| Noncurrent loans to loans | 0.0133% | 4,740 |
| Net loans and leases to total assets | 48.7541% | 4,595 |
| Net loans and leases to deposits | 52.9977% | 4,785 |
| Net loans and leases to core deposits | 55.2242% | 4,805 |
| Total domestic deposits to total assets | 91.9928% | 70 |
| Equity capital to assets | 7.9361% | 5,183 |
| Core capital (leverage) ratio | 8.6273% | 4,938 |
| Tier 1 risk-based capital ratio | 15.2409% | 2,722 |
| Total risk-based capital ratio | 16.4937% | 2,659 |
| Memoranda: | ||
| Average total assets | $131,542,200 | 3,629 |
| Average earning assets | $124,953,600 | 3,579 |
| Average equity | $10,504,800 | 4,234 |
| Average total loans | $65,803,200 | 3,970 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 4,833 |
| Cost of funding earning assets | 0.4434% | 3,576 |
| Net interest margin | 3.1372% | 4,638 |
| Noninterest income to average assets | 0.2589% | 4,425 |
| Noninterest expense to average assets | 2.2995% | 4,102 |
| Loan and lease loss provision to assets | 0.0276% | 3,452 |
| Net operating income to assets | 0.8760% | 3,638 |
| Return on assets (ROA) | 0.8760% | 3,643 |
| Pretax return on assets | 0.9149% | 3,964 |
| Return on Equity (ROE) | 10.9514% | 2,201 |
| Retained earnings to average equity (ytd only) | 5.3606% | 3,022 |
| Net charge-offs to loans | -0.0122% | 4,452 |
| Credit loss provision to net charge-offs | -450.0000% | 4,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1288% | 2,338 |
| Assets per employee ($millions) | 5.7030% | 1,737 |
| Cash dividends to net income (ytd only)* | 51.0514% | 1,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 1,385 |
| Loan loss allowance to noncurrent loans | 5,711.1111% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0137% | 4,940 |
| Noncurrent loans to loans | 0.0261% | 4,777 |
| Net loans and leases to total assets | 51.8457% | 4,491 |
| Net loans and leases to deposits | 56.5195% | 4,722 |
| Net loans and leases to core deposits | 59.0033% | 4,740 |
| Total domestic deposits to total assets | 91.7306% | 106 |
| Equity capital to assets | 8.0407% | 5,159 |
| Core capital (leverage) ratio | 8.5105% | 5,089 |
| Tier 1 risk-based capital ratio | 14.8730% | 2,937 |
| Total risk-based capital ratio | 16.1249% | 2,855 |
| Memoranda: | ||
| Average total assets | $130,286,500 | 3,676 |
| Average earning assets | $123,888,250 | 3,623 |
| Average equity | $10,421,500 | 4,285 |
| Average total loans | $65,348,250 | 4,013 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4500% | 4,975 |
| Cost of funding earning assets | 0.3972% | 3,740 |
| Net interest margin | 3.0529% | 4,807 |
| Noninterest income to average assets | 0.2908% | 4,237 |
| Noninterest expense to average assets | 2.2971% | 4,152 |
| Loan and lease loss provision to assets | 0.0277% | 3,365 |
| Net operating income to assets | 0.8370% | 3,729 |
| Return on assets (ROA) | 0.8370% | 3,734 |
| Pretax return on assets | 0.8754% | 4,036 |
| Return on Equity (ROE) | 10.4820% | 2,336 |
| Retained earnings to average equity (ytd only) | 4.8749% | 3,140 |
| Net charge-offs to loans | -0.0031% | 4,016 |
| Credit loss provision to net charge-offs | -1,800.0000% | 4,619 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9519% | 2,320 |
| Assets per employee ($millions) | 5.2850% | 2,116 |
| Cash dividends to net income (ytd only)* | 53.4926% | 1,542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5496% | 1,241 |
| Loan loss allowance to noncurrent loans | 5,070.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 4,956 |
| Noncurrent loans to loans | 0.0306% | 4,783 |
| Net loans and leases to total assets | 50.7919% | 4,561 |
| Net loans and leases to deposits | 56.4360% | 4,727 |
| Net loans and leases to core deposits | 57.2867% | 4,821 |
| Total domestic deposits to total assets | 89.9991% | 574 |
| Equity capital to assets | 8.2483% | 5,102 |
| Core capital (leverage) ratio | 8.2845% | 5,221 |
| Tier 1 risk-based capital ratio | 17.1073% | 2,063 |
| Total risk-based capital ratio | 18.3623% | 2,010 |
| Memoranda: | ||
| Average total assets | $129,992,000 | 3,707 |
| Average earning assets | $123,882,330 | 3,647 |
| Average equity | $10,379,670 | 4,325 |
| Average total loans | $64,119,670 | 4,066 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3117% | 5,125 |
| Cost of funding earning assets | 0.3984% | 3,600 |
| Net interest margin | 2.9133% | 5,006 |
| Noninterest income to average assets | 0.3679% | 3,678 |
| Noninterest expense to average assets | 2.2011% | 4,416 |
| Loan and lease loss provision to assets | 0.0274% | 3,161 |
| Net operating income to assets | 0.8725% | 3,408 |
| Return on assets (ROA) | 0.8725% | 3,424 |
| Pretax return on assets | 0.9182% | 3,787 |
| Return on Equity (ROE) | 11.1041% | 1,925 |
| Retained earnings to average equity (ytd only) | 5.4940% | 2,954 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1159% | 2,807 |
| Assets per employee ($millions) | 5.4687% | 1,968 |
| Cash dividends to net income (ytd only)* | 50.5226% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5840% | 1,196 |
| Loan loss allowance to noncurrent loans | 4,780.9524% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 5,042 |
| Noncurrent loans to loans | 0.0331% | 4,824 |
| Net loans and leases to total assets | 47.5272% | 4,719 |
| Net loans and leases to deposits | 53.6575% | 4,816 |
| Net loans and leases to core deposits | 54.4490% | 4,900 |
| Total domestic deposits to total assets | 88.5752% | 1,318 |
| Equity capital to assets | 7.8812% | 5,300 |
| Core capital (leverage) ratio | 8.3125% | 5,251 |
| Tier 1 risk-based capital ratio | 15.2324% | 2,773 |
| Total risk-based capital ratio | 16.4855% | 2,709 |
| Memoranda: | ||
| Average total assets | $131,568,500 | 3,723 |
| Average earning assets | $125,495,000 | 3,657 |
| Average equity | $10,338,500 | 4,375 |
| Average total loans | $63,460,500 | 4,115 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2157% | 5,171 |
| Cost of funding earning assets | 0.3720% | 3,497 |
| Net interest margin | 2.8436% | 5,114 |
| Noninterest income to average assets | 0.2376% | 4,715 |
| Noninterest expense to average assets | 2.3553% | 4,199 |
| Loan and lease loss provision to assets | 0.0274% | 3,740 |
| Net operating income to assets | 0.5734% | 4,127 |
| Return on assets (ROA) | 0.5734% | 4,161 |
| Pretax return on assets | 0.5962% | 4,747 |
| Return on Equity (ROE) | 7.2276% | 3,164 |
| Retained earnings to average equity (ytd only) | 1.6413% | 4,322 |
| Net charge-offs to loans | 0.0313% | 3,172 |
| Credit loss provision to net charge-offs | 180.0000% | 1,505 |
| Earnings coverage of net charge-offs (x) | 40.9500% | 1,250 |
| Efficiency ratio | 77.1217% | 1,467 |
| Assets per employee ($millions) | 5.4953% | 1,943 |
| Cash dividends to net income (ytd only)* | 77.2908% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5660% | 1,226 |
| Loan loss allowance to noncurrent loans | 2,763.8889% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0273% | 5,012 |
| Noncurrent loans to loans | 0.0567% | 4,742 |
| Net loans and leases to total assets | 47.4213% | 4,805 |
| Net loans and leases to deposits | 53.4592% | 4,919 |
| Net loans and leases to core deposits | 53.8913% | 5,005 |
| Total domestic deposits to total assets | 88.7056% | 1,144 |
| Equity capital to assets | 7.8347% | 5,446 |
| Core capital (leverage) ratio | 8.2840% | 5,296 |
| Tier 1 risk-based capital ratio | 15.0341% | 2,840 |
| Total risk-based capital ratio | 16.2860% | 2,763 |
| Memoranda: | ||
| Average total assets | $131,322,000 | 3,726 |
| Average earning assets | $126,599,400 | 3,639 |
| Average equity | $10,418,400 | 4,388 |
| Average total loans | $63,935,600 | 4,099 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1780% | 5,256 |
| Cost of funding earning assets | 0.3657% | 3,504 |
| Net interest margin | 2.8123% | 5,198 |
| Noninterest income to average assets | 0.2592% | 4,649 |
| Noninterest expense to average assets | 2.3143% | 4,261 |
| Loan and lease loss provision to assets | 0.0274% | 3,583 |
| Net operating income to assets | 0.6129% | 4,344 |
| Return on assets (ROA) | 0.6129% | 4,388 |
| Pretax return on assets | 0.6373% | 4,764 |
| Return on Equity (ROE) | 7.7011% | 3,292 |
| Retained earnings to average equity (ytd only) | 2.1328% | 4,583 |
| Net charge-offs to loans | 0.0479% | 2,481 |
| Credit loss provision to net charge-offs | 117.3913% | 2,041 |
| Earnings coverage of net charge-offs (x) | 28.4310% | 1,606 |
| Efficiency ratio | 75.7421% | 1,628 |
| Assets per employee ($millions) | 5.3232% | 2,095 |
| Cash dividends to net income (ytd only)* | 72.3053% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4861% | 1,591 |
| Loan loss allowance to noncurrent loans | 2,234.0909% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0344% | 5,060 |
| Noncurrent loans to loans | 0.0665% | 4,808 |
| Net loans and leases to total assets | 51.0046% | 4,646 |
| Net loans and leases to deposits | 57.9460% | 4,763 |
| Net loans and leases to core deposits | 58.4323% | 4,895 |
| Total domestic deposits to total assets | 88.0210% | 1,350 |
| Equity capital to assets | 8.2579% | 5,417 |
| Core capital (leverage) ratio | 8.1150% | 5,469 |
| Tier 1 risk-based capital ratio | 14.8652% | 2,979 |
| Total risk-based capital ratio | 16.1166% | 2,906 |
| Memoranda: | ||
| Average total assets | $131,180,500 | 3,764 |
| Average earning assets | $126,868,000 | 3,667 |
| Average equity | $10,439,750 | 4,427 |
| Average total loans | $64,035,000 | 4,133 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0830% | 5,362 |
| Cost of funding earning assets | 0.3516% | 3,564 |
| Net interest margin | 2.7314% | 5,332 |
| Noninterest income to average assets | 0.2736% | 4,589 |
| Noninterest expense to average assets | 2.2340% | 4,491 |
| Loan and lease loss provision to assets | 0.0272% | 3,454 |
| Net operating income to assets | 0.6303% | 4,164 |
| Return on assets (ROA) | 0.6303% | 4,212 |
| Pretax return on assets | 0.6545% | 4,673 |
| Return on Equity (ROE) | 8.0169% | 3,023 |
| Retained earnings to average equity (ytd only) | 2.4224% | 4,233 |
| Net charge-offs to loans | -0.0253% | 4,875 |
| Credit loss provision to net charge-offs | -225.0000% | 4,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6200% | 1,630 |
| Assets per employee ($millions) | 5.6886% | 1,713 |
| Cash dividends to net income (ytd only)* | 69.7842% | 1,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5918% | 1,278 |
| Loan loss allowance to noncurrent loans | 1,970.5882% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 5,106 |
| Noncurrent loans to loans | 0.0808% | 4,812 |
| Net loans and leases to total assets | 45.5089% | 4,971 |
| Net loans and leases to deposits | 51.2142% | 5,092 |
| Net loans and leases to core deposits | 51.6115% | 5,163 |
| Total domestic deposits to total assets | 88.8601% | 1,026 |
| Equity capital to assets | 7.6893% | 5,622 |
| Core capital (leverage) ratio | 7.9632% | 5,548 |
| Tier 1 risk-based capital ratio | 15.0390% | 2,907 |
| Total risk-based capital ratio | 16.2917% | 2,847 |
| Memoranda: | ||
| Average total assets | $132,321,670 | 3,775 |
| Average earning assets | $127,993,670 | 3,671 |
| Average equity | $10,403,000 | 4,451 |
| Average total loans | $63,331,670 | 4,162 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0820% | 5,383 |
| Cost of funding earning assets | 0.3358% | 3,690 |
| Net interest margin | 2.7462% | 5,332 |
| Noninterest income to average assets | 0.3840% | 3,780 |
| Noninterest expense to average assets | 2.2024% | 4,636 |
| Loan and lease loss provision to assets | 0.0276% | 3,213 |
| Net operating income to assets | 0.7864% | 3,281 |
| Return on assets (ROA) | 0.7864% | 3,333 |
| Pretax return on assets | 0.8171% | 4,047 |
| Return on Equity (ROE) | 9.8885% | 2,011 |
| Retained earnings to average equity (ytd only) | 4.2876% | 3,290 |
| Net charge-offs to loans | -0.0189% | 4,711 |
| Credit loss provision to net charge-offs | -300.0000% | 4,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2782% | 2,525 |
| Assets per employee ($millions) | 5.3592% | 2,018 |
| Cash dividends to net income (ytd only)* | 56.6406% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 1,373 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 47.3014% | 4,870 |
| Net loans and leases to deposits | 53.5894% | 4,960 |
| Net loans and leases to core deposits | 54.0335% | 5,063 |
| Total domestic deposits to total assets | 88.2662% | 1,549 |
| Equity capital to assets | 8.1208% | 5,464 |
| Core capital (leverage) ratio | 8.1955% | 5,452 |
| Tier 1 risk-based capital ratio | 15.2793% | 2,843 |
| Total risk-based capital ratio | 16.5324% | 2,771 |
| Memoranda: | ||
| Average total assets | $130,219,000 | 3,836 |
| Average earning assets | $126,283,500 | 3,729 |
| Average equity | $10,355,500 | 4,488 |
| Average total loans | $63,429,000 | 4,193 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1122% | 5,390 |
| Cost of funding earning assets | 0.3447% | 3,585 |
| Net interest margin | 2.7674% | 5,334 |
| Noninterest income to average assets | 0.2459% | 4,953 |
| Noninterest expense to average assets | 2.2161% | 4,739 |
| Loan and lease loss provision to assets | 0.0274% | 3,807 |
| Net operating income to assets | 0.6361% | 4,065 |
| Return on assets (ROA) | 0.5923% | 4,355 |
| Pretax return on assets | 0.6151% | 4,744 |
| Return on Equity (ROE) | 7.4552% | 3,236 |
| Retained earnings to average equity (ytd only) | 1.7344% | 4,542 |
| Net charge-offs to loans | -0.0122% | 4,993 |
| Credit loss provision to net charge-offs | -450.0000% | 5,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3041% | 1,936 |
| Assets per employee ($millions) | 5.4924% | 1,869 |
| Cash dividends to net income (ytd only)* | 76.7352% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 1,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 48.5890% | 4,854 |
| Net loans and leases to deposits | 55.2275% | 4,955 |
| Net loans and leases to core deposits | 55.6749% | 5,060 |
| Total domestic deposits to total assets | 87.9796% | 1,639 |
| Equity capital to assets | 7.7880% | 5,637 |
| Core capital (leverage) ratio | 7.9226% | 5,649 |
| Tier 1 risk-based capital ratio | 14.6189% | 3,138 |
| Total risk-based capital ratio | 15.8708% | 3,077 |
| Memoranda: | ||
| Average total assets | $131,358,600 | 3,809 |
| Average earning assets | $126,181,200 | 3,717 |
| Average equity | $10,435,600 | 4,506 |
| Average total loans | $65,522,800 | 4,150 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1042% | 5,468 |
| Cost of funding earning assets | 0.3459% | 3,580 |
| Net interest margin | 2.7583% | 5,421 |
| Noninterest income to average assets | 0.2580% | 4,917 |
| Noninterest expense to average assets | 2.1700% | 4,848 |
| Loan and lease loss provision to assets | 0.0274% | 3,695 |
| Net operating income to assets | 0.6759% | 3,982 |
| Return on assets (ROA) | 0.6827% | 4,074 |
| Pretax return on assets | 0.7091% | 4,586 |
| Return on Equity (ROE) | 8.5511% | 2,734 |
| Retained earnings to average equity (ytd only) | 2.9904% | 4,121 |
| Net charge-offs to loans | -0.0142% | 4,895 |
| Credit loss provision to net charge-offs | -385.7143% | 5,006 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8423% | 2,134 |
| Assets per employee ($millions) | 5.4524% | 1,898 |
| Cash dividends to net income (ytd only)* | 65.0294% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3919% | 2,234 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 52.4614% | 4,620 |
| Net loans and leases to deposits | 59.9810% | 4,763 |
| Net loans and leases to core deposits | 61.1472% | 4,881 |
| Total domestic deposits to total assets | 87.4635% | 1,686 |
| Equity capital to assets | 8.1073% | 5,702 |
| Core capital (leverage) ratio | 8.0885% | 5,645 |
| Tier 1 risk-based capital ratio | 13.9582% | 3,579 |
| Total risk-based capital ratio | 15.2088% | 3,502 |
| Memoranda: | ||
| Average total assets | $131,243,750 | 3,829 |
| Average earning assets | $125,676,250 | 3,740 |
| Average equity | $10,478,000 | 4,543 |
| Average total loans | $65,646,500 | 4,178 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0500% | 5,600 |
| Cost of funding earning assets | 0.3449% | 3,622 |
| Net interest margin | 2.7051% | 5,562 |
| Noninterest income to average assets | 0.2756% | 4,813 |
| Noninterest expense to average assets | 2.1435% | 4,969 |
| Loan and lease loss provision to assets | 0.0274% | 3,576 |
| Net operating income to assets | 0.6580% | 4,006 |
| Return on assets (ROA) | 0.6668% | 4,108 |
| Pretax return on assets | 0.6927% | 4,637 |
| Return on Equity (ROE) | 8.3954% | 2,797 |
| Retained earnings to average equity (ytd only) | 2.5301% | 4,274 |
| Net charge-offs to loans | -0.0187% | 4,920 |
| Credit loss provision to net charge-offs | -300.0000% | 4,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0933% | 2,210 |
| Assets per employee ($millions) | 5.3790% | 1,907 |
| Cash dividends to net income (ytd only)* | 69.8630% | 1,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 2,229 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 51.8064% | 4,694 |
| Net loans and leases to deposits | 59.2918% | 4,837 |
| Net loans and leases to core deposits | 60.4614% | 4,960 |
| Total domestic deposits to total assets | 87.3753% | 1,725 |
| Equity capital to assets | 8.1916% | 5,738 |
| Core capital (leverage) ratio | 7.8113% | 5,815 |
| Tier 1 risk-based capital ratio | 14.0388% | 3,584 |
| Total risk-based capital ratio | 15.2900% | 3,503 |
| Memoranda: | ||
| Average total assets | $131,372,330 | 3,855 |
| Average earning assets | $125,245,000 | 3,774 |
| Average equity | $10,434,330 | 4,580 |
| Average total loans | $64,322,330 | 4,229 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9528% | 5,733 |
| Cost of funding earning assets | 0.3379% | 3,745 |
| Net interest margin | 2.6149% | 5,706 |
| Noninterest income to average assets | 0.3562% | 4,180 |
| Noninterest expense to average assets | 2.0949% | 5,121 |
| Loan and lease loss provision to assets | 0.0272% | 3,307 |
| Net operating income to assets | 0.7245% | 3,600 |
| Return on assets (ROA) | 0.7245% | 3,711 |
| Pretax return on assets | 0.7335% | 4,405 |
| Return on Equity (ROE) | 9.2628% | 2,301 |
| Retained earnings to average equity (ytd only) | 2.5087% | 4,249 |
| Net charge-offs to loans | -0.0128% | 4,637 |
| Credit loss provision to net charge-offs | -450.0000% | 4,527 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3615% | 2,581 |
| Assets per employee ($millions) | 5.3761% | 1,948 |
| Cash dividends to net income (ytd only)* | 72.9167% | 1,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5354% | 1,848 |
| Loan loss allowance to noncurrent loans | 94,600.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 5,692 |
| Noncurrent loans to loans | 0.0016% | 5,531 |
| Net loans and leases to total assets | 47.0188% | 5,046 |
| Net loans and leases to deposits | 53.7371% | 5,114 |
| Net loans and leases to core deposits | 54.7956% | 5,196 |
| Total domestic deposits to total assets | 87.4980% | 1,928 |
| Equity capital to assets | 8.1169% | 5,779 |
| Core capital (leverage) ratio | 7.8147% | 5,847 |
| Tier 1 risk-based capital ratio | 14.9741% | 3,173 |
| Total risk-based capital ratio | 16.2254% | 3,105 |
| Memoranda: | ||
| Average total assets | $132,510,500 | 3,870 |
| Average earning assets | $126,660,500 | 3,772 |
| Average equity | $10,364,000 | 4,602 |
| Average total loans | $62,564,000 | 4,298 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0470% | 5,694 |
| Cost of funding earning assets | 0.3810% | 3,354 |
| Net interest margin | 2.6661% | 5,686 |
| Noninterest income to average assets | 0.2577% | 5,050 |
| Noninterest expense to average assets | 2.1335% | 5,188 |
| Loan and lease loss provision to assets | 0.0268% | 3,849 |
| Net operating income to assets | 0.6079% | 4,234 |
| Return on assets (ROA) | 0.6079% | 4,331 |
| Pretax return on assets | 0.6310% | 4,740 |
| Return on Equity (ROE) | 7.9776% | 2,971 |
| Retained earnings to average equity (ytd only) | 2.4344% | 4,334 |
| Net charge-offs to loans | -0.0993% | 5,773 |
| Credit loss provision to net charge-offs | -56.2500% | 5,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4345% | 2,203 |
| Assets per employee ($millions) | 5.6664% | 1,642 |
| Cash dividends to net income (ytd only)* | 69.4853% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 2,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 46.0167% | 5,160 |
| Net loans and leases to deposits | 52.0827% | 5,282 |
| Net loans and leases to core deposits | 52.9325% | 5,375 |
| Total domestic deposits to total assets | 88.3532% | 1,445 |
| Equity capital to assets | 7.5408% | 5,976 |
| Core capital (leverage) ratio | 7.5987% | 5,954 |
| Tier 1 risk-based capital ratio | 14.0081% | 3,709 |
| Total risk-based capital ratio | 15.2588% | 3,634 |
| Memoranda: | ||
| Average total assets | $134,240,400 | 3,812 |
| Average earning assets | $127,566,800 | 3,749 |
| Average equity | $10,228,600 | 4,613 |
| Average total loans | $64,442,200 | 4,244 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0132% | 5,801 |
| Cost of funding earning assets | 0.3888% | 3,342 |
| Net interest margin | 2.6244% | 5,810 |
| Noninterest income to average assets | 0.2581% | 5,088 |
| Noninterest expense to average assets | 2.0936% | 5,285 |
| Loan and lease loss provision to assets | 0.0269% | 3,723 |
| Net operating income to assets | 0.6098% | 4,336 |
| Return on assets (ROA) | 0.6098% | 4,442 |
| Pretax return on assets | 0.6328% | 4,890 |
| Return on Equity (ROE) | 7.9826% | 3,077 |
| Retained earnings to average equity (ytd only) | 2.8565% | 4,408 |
| Net charge-offs to loans | -0.1814% | 5,969 |
| Credit loss provision to net charge-offs | -30.6818% | 4,916 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0405% | 2,244 |
| Assets per employee ($millions) | 5.5328% | 1,760 |
| Cash dividends to net income (ytd only)* | 64.2160% | 1,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 2,958 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 53.1298% | 4,651 |
| Net loans and leases to deposits | 60.5088% | 4,820 |
| Net loans and leases to core deposits | 62.6189% | 4,891 |
| Total domestic deposits to total assets | 87.8052% | 1,655 |
| Equity capital to assets | 7.8352% | 6,012 |
| Core capital (leverage) ratio | 7.6513% | 6,023 |
| Tier 1 risk-based capital ratio | 12.8064% | 4,545 |
| Total risk-based capital ratio | 14.0193% | 4,477 |
| Memoranda: | ||
| Average total assets | $133,802,000 | 3,866 |
| Average earning assets | $127,215,500 | 3,792 |
| Average equity | $10,222,000 | 4,671 |
| Average total loans | $64,674,000 | 4,285 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9137% | 5,935 |
| Cost of funding earning assets | 0.3878% | 3,394 |
| Net interest margin | 2.5259% | 5,940 |
| Noninterest income to average assets | 0.2609% | 5,083 |
| Noninterest expense to average assets | 2.0635% | 5,410 |
| Loan and lease loss provision to assets | 0.0268% | 3,599 |
| Net operating income to assets | 0.5487% | 4,564 |
| Return on assets (ROA) | 0.5487% | 4,671 |
| Pretax return on assets | 0.5696% | 5,048 |
| Return on Equity (ROE) | 7.2431% | 3,461 |
| Retained earnings to average equity (ytd only) | 2.0863% | 4,661 |
| Net charge-offs to loans | -0.2756% | 6,102 |
| Credit loss provision to net charge-offs | -20.9302% | 4,730 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5785% | 2,130 |
| Assets per employee ($millions) | 5.6559% | 1,612 |
| Cash dividends to net income (ytd only)* | 71.1957% | 1,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 2,590 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 47.5439% | 5,144 |
| Net loans and leases to deposits | 53.8976% | 5,259 |
| Net loans and leases to core deposits | 55.7257% | 5,328 |
| Total domestic deposits to total assets | 88.2115% | 1,542 |
| Equity capital to assets | 7.5312% | 6,110 |
| Core capital (leverage) ratio | 7.4106% | 6,118 |
| Tier 1 risk-based capital ratio | 14.2900% | 3,767 |
| Total risk-based capital ratio | 15.5418% | 3,689 |
| Memoranda: | ||
| Average total assets | $134,140,670 | 3,890 |
| Average earning assets | $127,400,000 | 3,814 |
| Average equity | $10,161,330 | 4,712 |
| Average total loans | $62,399,000 | 4,391 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8810% | 6,010 |
| Cost of funding earning assets | 0.3934% | 3,374 |
| Net interest margin | 2.4876% | 6,030 |
| Noninterest income to average assets | 0.3330% | 4,527 |
| Noninterest expense to average assets | 2.0069% | 5,566 |
| Loan and lease loss provision to assets | 0.0270% | 3,345 |
| Net operating income to assets | 0.6270% | 4,159 |
| Return on assets (ROA) | 0.6270% | 4,265 |
| Pretax return on assets | 0.6510% | 4,763 |
| Return on Equity (ROE) | 8.2523% | 2,826 |
| Retained earnings to average equity (ytd only) | 3.0798% | 4,132 |
| Net charge-offs to loans | -0.5652% | 6,257 |
| Credit loss provision to net charge-offs | -10.4651% | 4,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7486% | 2,699 |
| Assets per employee ($millions) | 5.6499% | 1,668 |
| Cash dividends to net income (ytd only)* | 62.6794% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5393% | 2,284 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 43.8719% | 5,362 |
| Net loans and leases to deposits | 49.7175% | 5,477 |
| Net loans and leases to core deposits | 52.4280% | 5,458 |
| Total domestic deposits to total assets | 88.2424% | 1,692 |
| Equity capital to assets | 7.5341% | 6,173 |
| Core capital (leverage) ratio | 7.4354% | 6,167 |
| Tier 1 risk-based capital ratio | 15.3125% | 3,254 |
| Total risk-based capital ratio | 16.5638% | 3,188 |
| Memoranda: | ||
| Average total assets | $133,340,000 | 3,930 |
| Average earning assets | $126,065,500 | 3,863 |
| Average equity | $10,130,500 | 4,753 |
| Average total loans | $60,860,500 | 4,468 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0953% | 5,963 |
| Cost of funding earning assets | 0.4142% | 3,551 |
| Net interest margin | 2.6811% | 5,968 |
| Noninterest income to average assets | 0.2878% | 5,062 |
| Noninterest expense to average assets | 2.2334% | 5,274 |
| Loan and lease loss provision to assets | 0.0409% | 3,758 |
| Net operating income to assets | 0.5229% | 4,715 |
| Return on assets (ROA) | 0.5214% | 4,810 |
| Pretax return on assets | 0.5418% | 5,133 |
| Return on Equity (ROE) | 6.6552% | 3,808 |
| Retained earnings to average equity (ytd only) | 1.9775% | 4,804 |
| Net charge-offs to loans | 0.1196% | 2,844 |
| Credit loss provision to net charge-offs | 72.2222% | 3,019 |
| Earnings coverage of net charge-offs (x) | 10.3194% | 2,624 |
| Efficiency ratio | 79.2632% | 2,027 |
| Assets per employee ($millions) | 5.4618% | 1,803 |
| Cash dividends to net income (ytd only)* | 70.2866% | 1,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3621% | 3,128 |
| Loan loss allowance to noncurrent loans | 938.2022% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,758 |
| Noncurrent loans to loans | 0.1452% | 5,311 |
| Net loans and leases to total assets | 46.1288% | 5,314 |
| Net loans and leases to deposits | 52.4009% | 5,455 |
| Net loans and leases to core deposits | 54.2470% | 5,490 |
| Total domestic deposits to total assets | 88.0305% | 1,755 |
| Equity capital to assets | 7.6631% | 6,190 |
| Core capital (leverage) ratio | 7.7111% | 6,127 |
| Tier 1 risk-based capital ratio | 14.7790% | 3,614 |
| Total risk-based capital ratio | 16.0302% | 3,547 |
| Memoranda: | ||
| Average total assets | $127,157,600 | 4,035 |
| Average earning assets | $119,990,200 | 3,966 |
| Average equity | $9,962,200 | 4,759 |
| Average total loans | $60,203,400 | 4,481 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0957% | 6,037 |
| Cost of funding earning assets | 0.4170% | 3,615 |
| Net interest margin | 2.6787% | 6,032 |
| Noninterest income to average assets | 0.2874% | 5,147 |
| Noninterest expense to average assets | 2.1958% | 5,362 |
| Loan and lease loss provision to assets | 0.0454% | 3,484 |
| Net operating income to assets | 0.5589% | 4,638 |
| Return on assets (ROA) | 0.5569% | 4,722 |
| Pretax return on assets | 0.5759% | 5,107 |
| Return on Equity (ROE) | 7.0678% | 3,680 |
| Retained earnings to average equity (ytd only) | 2.9773% | 4,483 |
| Net charge-offs to loans | -0.0601% | 5,977 |
| Credit loss provision to net charge-offs | -159.2593% | 5,519 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8861% | 2,195 |
| Assets per employee ($millions) | 4.9794% | 2,263 |
| Cash dividends to net income (ytd only)* | 57.8752% | 1,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 3,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 51.8834% | 4,822 |
| Net loans and leases to deposits | 59.5009% | 4,987 |
| Net loans and leases to core deposits | 61.7337% | 5,055 |
| Total domestic deposits to total assets | 87.1977% | 2,201 |
| Equity capital to assets | 8.1142% | 6,068 |
| Core capital (leverage) ratio | 7.8762% | 6,145 |
| Tier 1 risk-based capital ratio | 14.2184% | 4,070 |
| Total risk-based capital ratio | 15.4695% | 3,998 |
| Memoranda: | ||
| Average total assets | $126,176,250 | 4,082 |
| Average earning assets | $119,258,750 | 4,007 |
| Average equity | $9,941,500 | 4,802 |
| Average total loans | $59,928,750 | 4,529 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9825% | 6,198 |
| Cost of funding earning assets | 0.4141% | 3,719 |
| Net interest margin | 2.5684% | 6,210 |
| Noninterest income to average assets | 0.3014% | 4,999 |
| Noninterest expense to average assets | 2.1998% | 5,412 |
| Loan and lease loss provision to assets | 0.0537% | 3,227 |
| Net operating income to assets | 0.4607% | 4,970 |
| Return on assets (ROA) | 0.4576% | 5,055 |
| Pretax return on assets | 0.4718% | 5,359 |
| Return on Equity (ROE) | 5.8655% | 4,236 |
| Retained earnings to average equity (ytd only) | 1.7597% | 5,017 |
| Net charge-offs to loans | -0.1068% | 6,170 |
| Credit loss provision to net charge-offs | -109.6774% | 5,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6246% | 1,926 |
| Assets per employee ($millions) | 4.8356% | 2,422 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4935% | 2,931 |
| Loan loss allowance to noncurrent loans | 10,222.2222% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 6,239 |
| Noncurrent loans to loans | 0.0146% | 6,037 |
| Net loans and leases to total assets | 48.2629% | 5,153 |
| Net loans and leases to deposits | 55.1908% | 5,268 |
| Net loans and leases to core deposits | 57.2346% | 5,322 |
| Total domestic deposits to total assets | 87.4473% | 2,220 |
| Equity capital to assets | 7.9578% | 6,177 |
| Core capital (leverage) ratio | 7.7744% | 6,221 |
| Tier 1 risk-based capital ratio | 14.3252% | 4,048 |
| Total risk-based capital ratio | 15.5775% | 3,980 |
| Memoranda: | ||
| Average total assets | $126,740,000 | 4,098 |
| Average earning assets | $119,765,000 | 4,014 |
| Average equity | $9,888,330 | 4,829 |
| Average total loans | $58,067,670 | 4,614 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8585% | 6,354 |
| Cost of funding earning assets | 0.4098% | 3,856 |
| Net interest margin | 2.4487% | 6,377 |
| Noninterest income to average assets | 0.3615% | 4,500 |
| Noninterest expense to average assets | 2.1501% | 5,577 |
| Loan and lease loss provision to assets | 0.0660% | 2,803 |
| Net operating income to assets | 0.4303% | 5,011 |
| Return on assets (ROA) | 0.4244% | 5,091 |
| Pretax return on assets | 0.4495% | 5,309 |
| Return on Equity (ROE) | 5.4934% | 4,280 |
| Retained earnings to average equity (ytd only) | 1.3428% | 5,075 |
| Net charge-offs to loans | -0.2060% | 6,393 |
| Credit loss provision to net charge-offs | -72.4138% | 4,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4706% | 2,137 |
| Assets per employee ($millions) | 4.6818% | 2,682 |
| Cash dividends to net income (ytd only)* | 75.5556% | 1,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 2,813 |
| Loan loss allowance to noncurrent loans | 887.2549% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.0838% | 6,001 |
| Noncurrent loans to loans | 0.1774% | 5,562 |
| Net loans and leases to total assets | 46.4831% | 5,275 |
| Net loans and leases to deposits | 53.3123% | 5,346 |
| Net loans and leases to core deposits | 55.3596% | 5,407 |
| Total domestic deposits to total assets | 87.1903% | 2,712 |
| Equity capital to assets | 8.1033% | 5,972 |
| Core capital (leverage) ratio | 7.5710% | 6,313 |
| Tier 1 risk-based capital ratio | 15.3602% | 3,517 |
| Total risk-based capital ratio | 16.6132% | 3,469 |
| Memoranda: | ||
| Average total assets | $127,247,000 | 4,122 |
| Average earning assets | $120,063,000 | 4,038 |
| Average equity | $9,830,000 | 4,864 |
| Average total loans | $56,302,000 | 4,717 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0094% | 6,338 |
| Cost of funding earning assets | 0.4741% | 3,874 |
| Net interest margin | 2.5353% | 6,341 |
| Noninterest income to average assets | 0.3193% | 5,050 |
| Noninterest expense to average assets | 2.4034% | 5,062 |
| Loan and lease loss provision to assets | 0.0566% | 4,016 |
| Net operating income to assets | 0.2247% | 5,761 |
| Return on assets (ROA) | 0.2247% | 5,818 |
| Pretax return on assets | 0.2328% | 5,881 |
| Return on Equity (ROE) | 2.8166% | 5,575 |
| Retained earnings to average equity (ytd only) | 1.3374% | 5,222 |
| Net charge-offs to loans | 0.1406% | 3,403 |
| Credit loss provision to net charge-offs | 89.7436% | 2,764 |
| Earnings coverage of net charge-offs (x) | 4.5897% | 3,526 |
| Efficiency ratio | 89.2525% | 1,089 |
| Assets per employee ($millions) | 5.1064% | 2,062 |
| Cash dividends to net income (ytd only)* | 52.5180% | 2,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 2,956 |
| Loan loss allowance to noncurrent loans | 846.5347% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 6,122 |
| Noncurrent loans to loans | 0.1832% | 5,652 |
| Net loans and leases to total assets | 40.8697% | 5,903 |
| Net loans and leases to deposits | 46.2504% | 5,992 |
| Net loans and leases to core deposits | 47.9575% | 6,036 |
| Total domestic deposits to total assets | 88.3660% | 1,970 |
| Equity capital to assets | 7.3784% | 6,338 |
| Core capital (leverage) ratio | 7.6830% | 6,311 |
| Tier 1 risk-based capital ratio | 15.2484% | 3,518 |
| Total risk-based capital ratio | 16.5009% | 3,462 |
| Memoranda: | ||
| Average total assets | $123,700,000 | 4,190 |
| Average earning assets | $115,804,400 | 4,136 |
| Average equity | $9,870,000 | 4,883 |
| Average total loans | $55,461,400 | 4,768 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0569% | 6,362 |
| Cost of funding earning assets | 0.4942% | 3,829 |
| Net interest margin | 2.5626% | 6,362 |
| Noninterest income to average assets | 0.3590% | 4,826 |
| Noninterest expense to average assets | 2.5165% | 4,667 |
| Loan and lease loss provision to assets | 0.0538% | 3,959 |
| Net operating income to assets | 0.1790% | 5,968 |
| Return on assets (ROA) | 0.1790% | 6,034 |
| Pretax return on assets | 0.1856% | 6,062 |
| Return on Equity (ROE) | 2.1978% | 5,878 |
| Retained earnings to average equity (ytd only) | 2.1978% | 5,003 |
| Net charge-offs to loans | 0.0648% | 3,989 |
| Credit loss provision to net charge-offs | 181.4815% | 1,338 |
| Earnings coverage of net charge-offs (x) | 8.0739% | 2,683 |
| Efficiency ratio | 91.3147% | 897 |
| Assets per employee ($millions) | 4.3504% | 3,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5180% | 3,383 |
| Loan loss allowance to noncurrent loans | 3,540.0000% | 175 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 6,430 |
| Noncurrent loans to loans | 0.0429% | 6,216 |
| Net loans and leases to total assets | 47.1341% | 5,432 |
| Net loans and leases to deposits | 54.1769% | 5,525 |
| Net loans and leases to core deposits | 56.3988% | 5,591 |
| Total domestic deposits to total assets | 87.0002% | 2,694 |
| Equity capital to assets | 8.1422% | 6,054 |
| Core capital (leverage) ratio | 8.1635% | 6,094 |
| Tier 1 risk-based capital ratio | 15.0504% | 3,724 |
| Total risk-based capital ratio | 16.3025% | 3,673 |
| Memoranda: | ||
| Average total assets | $121,433,500 | 4,288 |
| Average earning assets | $113,578,000 | 4,234 |
| Average equity | $9,888,500 | 4,926 |
| Average total loans | $55,547,750 | 4,803 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0576% | 6,389 |
| Cost of funding earning assets | 0.5034% | 3,866 |
| Net interest margin | 2.5542% | 6,380 |
| Noninterest income to average assets | 0.3133% | 5,198 |
| Noninterest expense to average assets | 2.5571% | 4,537 |
| Loan and lease loss provision to assets | 0.0462% | 4,049 |
| Net operating income to assets | 0.0824% | 6,173 |
| Return on assets (ROA) | 0.0824% | 6,257 |
| Pretax return on assets | 0.0857% | 6,247 |
| Return on Equity (ROE) | 1.0123% | 6,208 |
| Retained earnings to average equity (ytd only) | 1.0123% | 5,496 |
| Net charge-offs to loans | 0.0988% | 3,374 |
| Credit loss provision to net charge-offs | 103.7037% | 2,130 |
| Earnings coverage of net charge-offs (x) | 2.9630% | 3,542 |
| Efficiency ratio | 95.0950% | 703 |
| Assets per employee ($millions) | 4.1879% | 3,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5743% | 3,246 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 46.0644% | 5,525 |
| Net loans and leases to deposits | 53.1716% | 5,591 |
| Net loans and leases to core deposits | 55.4499% | 5,641 |
| Total domestic deposits to total assets | 86.6334% | 3,039 |
| Equity capital to assets | 8.3488% | 5,924 |
| Core capital (leverage) ratio | 7.9083% | 6,249 |
| Tier 1 risk-based capital ratio | 15.8184% | 3,306 |
| Total risk-based capital ratio | 17.0718% | 3,252 |
| Memoranda: | ||
| Average total assets | $121,308,000 | 4,321 |
| Average earning assets | $112,834,670 | 4,272 |
| Average equity | $9,878,670 | 4,973 |
| Average total loans | $54,630,670 | 4,864 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0502% | 6,456 |
| Cost of funding earning assets | 0.5095% | 3,978 |
| Net interest margin | 2.5407% | 6,453 |
| Noninterest income to average assets | 0.3762% | 4,658 |
| Noninterest expense to average assets | 2.5817% | 4,462 |
| Loan and lease loss provision to assets | 0.0681% | 3,497 |
| Net operating income to assets | 0.0681% | 6,210 |
| Return on assets (ROA) | 0.0681% | 6,296 |
| Pretax return on assets | 0.0714% | 6,301 |
| Return on Equity (ROE) | 0.8465% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.8465% | 5,505 |
| Net charge-offs to loans | 0.0073% | 4,006 |
| Credit loss provision to net charge-offs | 2,100.0000% | 161 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 740 |
| Efficiency ratio | 94.8749% | 780 |
| Assets per employee ($millions) | 4.1977% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6709% | 3,128 |
| Loan loss allowance to noncurrent loans | 2,102.3810% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.0357% | 6,501 |
| Noncurrent loans to loans | 0.0795% | 6,246 |
| Net loans and leases to total assets | 44.2103% | 5,636 |
| Net loans and leases to deposits | 51.0919% | 5,700 |
| Net loans and leases to core deposits | 53.1411% | 5,738 |
| Total domestic deposits to total assets | 86.5309% | 3,215 |
| Equity capital to assets | 8.4221% | 6,079 |
| Core capital (leverage) ratio | 7.9077% | 6,210 |
| Tier 1 risk-based capital ratio | 16.3056% | 3,106 |
| Total risk-based capital ratio | 17.5587% | 3,055 |
| Memoranda: | ||
| Average total assets | $123,331,000 | 4,323 |
| Average earning assets | $113,827,500 | 4,287 |
| Average equity | $9,923,000 | 5,002 |
| Average total loans | $54,506,000 | 4,902 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3193% | 6,565 |
| Cost of funding earning assets | 0.6202% | 4,173 |
| Net interest margin | 2.6991% | 6,521 |
| Noninterest income to average assets | 0.2550% | 5,638 |
| Noninterest expense to average assets | 2.1218% | 6,078 |
| Loan and lease loss provision to assets | 0.0953% | 4,471 |
| Net operating income to assets | 0.5230% | 4,587 |
| Return on assets (ROA) | 0.5119% | 4,905 |
| Pretax return on assets | 0.5350% | 5,181 |
| Return on Equity (ROE) | 5.5907% | 4,379 |
| Retained earnings to average equity (ytd only) | 0.6936% | 5,521 |
| Net charge-offs to loans | 0.2389% | 3,504 |
| Credit loss provision to net charge-offs | 79.8387% | 3,837 |
| Earnings coverage of net charge-offs (x) | 5.3790% | 3,056 |
| Efficiency ratio | 76.7758% | 2,629 |
| Assets per employee ($millions) | 4.6116% | 2,760 |
| Cash dividends to net income (ytd only)* | 87.5940% | 774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5365% | 3,588 |
| Loan loss allowance to noncurrent loans | 12,328.5714% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 6,685 |
| Noncurrent loans to loans | 0.0125% | 6,517 |
| Net loans and leases to total assets | 42.8287% | 5,913 |
| Net loans and leases to deposits | 48.8452% | 6,046 |
| Net loans and leases to core deposits | 50.5974% | 6,116 |
| Total domestic deposits to total assets | 87.6826% | 2,424 |
| Equity capital to assets | 7.7033% | 6,553 |
| Core capital (leverage) ratio | 7.7992% | 6,341 |
| Tier 1 risk-based capital ratio | 14.8881% | 3,780 |
| Total risk-based capital ratio | 16.1401% | 3,730 |
| Memoranda: | ||
| Average total assets | $103,919,600 | 4,736 |
| Average earning assets | $96,588,000 | 4,676 |
| Average equity | $9,515,800 | 5,105 |
| Average total loans | $51,895,400 | 5,021 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4763% | 6,539 |
| Cost of funding earning assets | 0.6618% | 4,087 |
| Net interest margin | 2.8145% | 6,478 |
| Noninterest income to average assets | 0.2882% | 5,478 |
| Noninterest expense to average assets | 2.2686% | 5,777 |
| Loan and lease loss provision to assets | 0.0246% | 5,480 |
| Net operating income to assets | 0.6146% | 4,326 |
| Return on assets (ROA) | 0.6146% | 4,583 |
| Pretax return on assets | 0.6379% | 5,058 |
| Return on Equity (ROE) | 6.3774% | 4,126 |
| Retained earnings to average equity (ytd only) | 1.4313% | 5,610 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3998% | 2,468 |
| Assets per employee ($millions) | 4.6295% | 2,705 |
| Cash dividends to net income (ytd only)* | 77.5546% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7104% | 3,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 51.1183% | 5,172 |
| Net loans and leases to deposits | 60.0993% | 5,195 |
| Net loans and leases to core deposits | 63.7180% | 5,185 |
| Total domestic deposits to total assets | 85.0565% | 3,719 |
| Equity capital to assets | 9.3019% | 5,464 |
| Core capital (leverage) ratio | 9.4097% | 4,421 |
| Tier 1 risk-based capital ratio | 16.6367% | 2,926 |
| Total risk-based capital ratio | 17.8913% | 2,894 |
| Memoranda: | ||
| Average total assets | $97,618,000 | 4,944 |
| Average earning assets | $91,666,750 | 4,863 |
| Average equity | $9,408,000 | 5,177 |
| Average total loans | $50,827,750 | 5,135 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4633% | 6,651 |
| Cost of funding earning assets | 0.6874% | 4,123 |
| Net interest margin | 2.7759% | 6,618 |
| Noninterest income to average assets | 0.3201% | 5,259 |
| Noninterest expense to average assets | 2.3075% | 5,714 |
| Loan and lease loss provision to assets | 0.0249% | 5,356 |
| Net operating income to assets | 0.5862% | 4,425 |
| Return on assets (ROA) | 0.5862% | 4,688 |
| Pretax return on assets | 0.6070% | 5,112 |
| Return on Equity (ROE) | 6.0089% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.0441% | 5,659 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5007% | 2,396 |
| Assets per employee ($millions) | 4.4994% | 2,903 |
| Cash dividends to net income (ytd only)* | 82.6241% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7642% | 2,970 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 50.6268% | 5,275 |
| Net loans and leases to deposits | 59.7399% | 5,259 |
| Net loans and leases to core deposits | 63.4611% | 5,264 |
| Total domestic deposits to total assets | 84.7455% | 3,979 |
| Equity capital to assets | 9.5043% | 5,053 |
| Core capital (leverage) ratio | 9.3565% | 4,359 |
| Tier 1 risk-based capital ratio | 17.0672% | 2,641 |
| Total risk-based capital ratio | 18.3229% | 2,597 |
| Memoranda: | ||
| Average total assets | $96,207,330 | 5,006 |
| Average earning assets | $90,780,670 | 4,910 |
| Average equity | $9,386,000 | 5,186 |
| Average total loans | $50,113,670 | 5,195 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5188% | 6,672 |
| Cost of funding earning assets | 0.7181% | 4,123 |
| Net interest margin | 2.8006% | 6,638 |
| Noninterest income to average assets | 0.3881% | 4,760 |
| Noninterest expense to average assets | 2.3160% | 5,730 |
| Loan and lease loss provision to assets | 0.0253% | 5,031 |
| Net operating income to assets | 0.6539% | 4,108 |
| Return on assets (ROA) | 0.6539% | 4,321 |
| Pretax return on assets | 0.6792% | 4,863 |
| Return on Equity (ROE) | 6.6133% | 3,983 |
| Retained earnings to average equity (ytd only) | 1.6213% | 5,425 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6760% | 2,689 |
| Assets per employee ($millions) | 4.3643% | 3,271 |
| Cash dividends to net income (ytd only)* | 75.4839% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8702% | 2,771 |
| Loan loss allowance to noncurrent loans | 7,450.0000% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 6,896 |
| Noncurrent loans to loans | 0.0251% | 6,713 |
| Net loans and leases to total assets | 48.8564% | 5,447 |
| Net loans and leases to deposits | 57.9345% | 5,382 |
| Net loans and leases to core deposits | 61.6794% | 5,361 |
| Total domestic deposits to total assets | 84.3304% | 4,354 |
| Equity capital to assets | 9.7923% | 4,388 |
| Core capital (leverage) ratio | 9.9024% | 3,493 |
| Tier 1 risk-based capital ratio | 18.1537% | 2,238 |
| Total risk-based capital ratio | 19.4107% | 2,210 |
| Memoranda: | ||
| Average total assets | $94,817,500 | 5,075 |
| Average earning assets | $89,122,500 | 4,991 |
| Average equity | $9,375,000 | 5,198 |
| Average total loans | $49,663,500 | 5,243 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9637% | 6,521 |
| Cost of funding earning assets | 0.9042% | 4,087 |
| Net interest margin | 3.0595% | 6,430 |
| Noninterest income to average assets | 0.3118% | 5,312 |
| Noninterest expense to average assets | 2.3890% | 5,803 |
| Loan and lease loss provision to assets | 0.0265% | 6,242 |
| Net operating income to assets | 0.7164% | 3,410 |
| Return on assets (ROA) | 0.7164% | 3,583 |
| Pretax return on assets | 0.7429% | 4,180 |
| Return on Equity (ROE) | 7.0410% | 3,390 |
| Retained earnings to average equity (ytd only) | 1.9884% | 4,801 |
| Net charge-offs to loans | 0.1034% | 5,323 |
| Credit loss provision to net charge-offs | 45.2830% | 5,527 |
| Earnings coverage of net charge-offs (x) | 13.1321% | 1,563 |
| Efficiency ratio | 75.6388% | 2,952 |
| Assets per employee ($millions) | 4.2555% | 3,351 |
| Cash dividends to net income (ytd only)* | 71.7593% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7235% | 3,112 |
| Loan loss allowance to noncurrent loans | 9,866.6667% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 6,966 |
| Noncurrent loans to loans | 0.0175% | 6,786 |
| Net loans and leases to total assets | 54.0862% | 5,025 |
| Net loans and leases to deposits | 63.9392% | 5,017 |
| Net loans and leases to core deposits | 68.1691% | 5,005 |
| Total domestic deposits to total assets | 84.5900% | 4,048 |
| Equity capital to assets | 9.9849% | 4,188 |
| Core capital (leverage) ratio | 10.2261% | 3,057 |
| Tier 1 risk-based capital ratio | 16.7270% | 2,723 |
| Total risk-based capital ratio | 17.9806% | 2,683 |
| Memoranda: | ||
| Average total assets | $90,454,600 | 5,166 |
| Average earning assets | $84,164,400 | 5,116 |
| Average equity | $9,203,200 | 5,226 |
| Average total loans | $51,240,400 | 5,226 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9778% | 6,621 |
| Cost of funding earning assets | 0.9425% | 4,095 |
| Net interest margin | 3.0354% | 6,512 |
| Noninterest income to average assets | 0.3301% | 5,223 |
| Noninterest expense to average assets | 2.4595% | 5,596 |
| Loan and lease loss provision to assets | 0.0268% | 6,109 |
| Net operating income to assets | 0.6409% | 3,915 |
| Return on assets (ROA) | 0.6409% | 4,098 |
| Pretax return on assets | 0.6647% | 4,596 |
| Return on Equity (ROE) | 6.2687% | 3,895 |
| Retained earnings to average equity (ytd only) | 1.6145% | 5,331 |
| Net charge-offs to loans | 0.1381% | 4,678 |
| Credit loss provision to net charge-offs | 33.9623% | 5,358 |
| Earnings coverage of net charge-offs (x) | 8.7741% | 2,129 |
| Efficiency ratio | 78.0557% | 2,538 |
| Assets per employee ($millions) | 4.1054% | 3,634 |
| Cash dividends to net income (ytd only)* | 74.2469% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 3,558 |
| Loan loss allowance to noncurrent loans | 2,594.1176% | 173 |
| Noncurrent assets plus other real estate owned to assets | 0.0376% | 6,959 |
| Noncurrent loans to loans | 0.0626% | 6,774 |
| Net loans and leases to total assets | 59.1610% | 4,295 |
| Net loans and leases to deposits | 70.6011% | 4,201 |
| Net loans and leases to core deposits | 75.5013% | 4,251 |
| Total domestic deposits to total assets | 83.7961% | 4,327 |
| Equity capital to assets | 10.2803% | 3,982 |
| Core capital (leverage) ratio | 10.1315% | 3,272 |
| Tier 1 risk-based capital ratio | 16.0954% | 3,067 |
| Total risk-based capital ratio | 17.3498% | 3,031 |
| Memoranda: | ||
| Average total assets | $89,663,000 | 5,229 |
| Average earning assets | $83,326,250 | 5,175 |
| Average equity | $9,167,000 | 5,266 |
| Average total loans | $51,169,500 | 5,265 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8895% | 6,818 |
| Cost of funding earning assets | 0.9790% | 4,100 |
| Net interest margin | 2.9105% | 6,773 |
| Noninterest income to average assets | 0.3287% | 5,262 |
| Noninterest expense to average assets | 2.5133% | 5,480 |
| Loan and lease loss provision to assets | 0.0268% | 5,967 |
| Net operating income to assets | 0.4629% | 4,663 |
| Return on assets (ROA) | 0.4629% | 4,798 |
| Pretax return on assets | 0.4807% | 5,132 |
| Return on Equity (ROE) | 4.5357% | 4,682 |
| Retained earnings to average equity (ytd only) | 0.7012% | 5,574 |
| Net charge-offs to loans | -0.0120% | 6,726 |
| Credit loss provision to net charge-offs | -400.0000% | 6,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1976% | 1,929 |
| Assets per employee ($millions) | 4.1310% | 3,488 |
| Cash dividends to net income (ytd only)* | 84.5411% | 698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8154% | 2,934 |
| Loan loss allowance to noncurrent loans | 93,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 6,644 |
| Noncurrent loans to loans | 0.0019% | 7,018 |
| Net loans and leases to total assets | 55.4637% | 5,075 |
| Net loans and leases to deposits | 66.2470% | 4,963 |
| Net loans and leases to core deposits | 71.1166% | 4,933 |
| Total domestic deposits to total assets | 83.7227% | 4,465 |
| Equity capital to assets | 10.1121% | 3,999 |
| Core capital (leverage) ratio | 10.0007% | 3,260 |
| Tier 1 risk-based capital ratio | 16.5745% | 2,706 |
| Total risk-based capital ratio | 17.8300% | 2,659 |
| Memoranda: | ||
| Average total assets | $89,444,670 | 5,274 |
| Average earning assets | $82,735,670 | 5,240 |
| Average equity | $9,127,670 | 5,289 |
| Average total loans | $50,121,000 | 5,350 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9447% | 6,774 |
| Cost of funding earning assets | 1.0231% | 4,043 |
| Net interest margin | 2.9217% | 6,723 |
| Noninterest income to average assets | 0.3922% | 4,769 |
| Noninterest expense to average assets | 2.5246% | 5,467 |
| Loan and lease loss provision to assets | 0.0270% | 5,627 |
| Net operating income to assets | 0.5004% | 4,491 |
| Return on assets (ROA) | 0.5004% | 4,573 |
| Pretax return on assets | 0.5184% | 4,965 |
| Return on Equity (ROE) | 4.8810% | 4,462 |
| Retained earnings to average equity (ytd only) | 1.0554% | 5,403 |
| Net charge-offs to loans | -0.0242% | 6,635 |
| Credit loss provision to net charge-offs | -200.0000% | 5,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2320% | 2,189 |
| Assets per employee ($millions) | 4.0518% | 3,739 |
| Cash dividends to net income (ytd only)* | 78.3784% | 869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9101% | 2,660 |
| Loan loss allowance to noncurrent loans | 18,520.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.1907% | 6,677 |
| Noncurrent loans to loans | 0.0103% | 7,050 |
| Net loans and leases to total assets | 53.3475% | 5,399 |
| Net loans and leases to deposits | 63.6574% | 5,297 |
| Net loans and leases to core deposits | 68.5849% | 5,221 |
| Total domestic deposits to total assets | 83.8041% | 4,569 |
| Equity capital to assets | 10.2255% | 3,506 |
| Core capital (leverage) ratio | 10.2272% | 2,902 |
| Tier 1 risk-based capital ratio | 17.5732% | 2,261 |
| Total risk-based capital ratio | 18.8300% | 2,227 |
| Memoranda: | ||
| Average total assets | $88,726,500 | 5,328 |
| Average earning assets | $81,323,500 | 5,319 |
| Average equity | $9,096,500 | 5,287 |
| Average total loans | $49,512,500 | 5,418 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4188% | 6,583 |
| Cost of funding earning assets | 1.2152% | 4,455 |
| Net interest margin | 3.2036% | 6,264 |
| Noninterest income to average assets | 0.3124% | 5,558 |
| Noninterest expense to average assets | 2.4455% | 5,956 |
| Loan and lease loss provision to assets | 0.0827% | 6,323 |
| Net operating income to assets | 0.7363% | 3,065 |
| Return on assets (ROA) | 0.7363% | 3,191 |
| Pretax return on assets | 0.7638% | 3,747 |
| Return on Equity (ROE) | 7.0096% | 3,121 |
| Retained earnings to average equity (ytd only) | 0.2624% | 5,449 |
| Net charge-offs to loans | 0.1817% | 5,220 |
| Credit loss provision to net charge-offs | 78.2609% | 5,624 |
| Earnings coverage of net charge-offs (x) | 8.0109% | 2,029 |
| Efficiency ratio | 74.2847% | 3,337 |
| Assets per employee ($millions) | 4.0142% | 3,752 |
| Cash dividends to net income (ytd only)* | 96.2559% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8142% | 2,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 6,762 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 56.1956% | 5,314 |
| Net loans and leases to deposits | 67.1920% | 5,219 |
| Net loans and leases to core deposits | 72.4496% | 5,166 |
| Total domestic deposits to total assets | 83.6343% | 4,538 |
| Equity capital to assets | 10.2793% | 3,407 |
| Core capital (leverage) ratio | 10.3616% | 2,707 |
| Tier 1 risk-based capital ratio | 16.4071% | 2,566 |
| Total risk-based capital ratio | 17.6616% | 2,530 |
| Memoranda: | ||
| Average total assets | $87,059,000 | 5,376 |
| Average earning assets | $80,971,400 | 5,307 |
| Average equity | $9,144,600 | 5,376 |
| Average total loans | $50,630,000 | 5,464 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 6,613 |
| Cost of funding earning assets | 1.2509% | 4,567 |
| Net interest margin | 3.2465% | 6,186 |
| Noninterest income to average assets | 0.2997% | 5,746 |
| Noninterest expense to average assets | 2.4469% | 5,899 |
| Loan and lease loss provision to assets | 0.0138% | 6,899 |
| Net operating income to assets | 0.8238% | 2,903 |
| Return on assets (ROA) | 0.8238% | 3,050 |
| Pretax return on assets | 0.8546% | 3,713 |
| Return on Equity (ROE) | 7.8008% | 2,985 |
| Retained earnings to average equity (ytd only) | 0.9459% | 5,427 |
| Net charge-offs to loans | 0.0842% | 5,690 |
| Credit loss provision to net charge-offs | 28.1250% | 6,173 |
| Earnings coverage of net charge-offs (x) | 17.6543% | 1,314 |
| Efficiency ratio | 73.8062% | 3,361 |
| Assets per employee ($millions) | 3.9115% | 4,011 |
| Cash dividends to net income (ytd only)* | 87.8724% | 488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7254% | 3,079 |
| Loan loss allowance to noncurrent loans | 406.2222% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.2615% | 6,718 |
| Noncurrent loans to loans | 0.4248% | 6,354 |
| Net loans and leases to total assets | 60.4946% | 4,818 |
| Net loans and leases to deposits | 72.9155% | 4,704 |
| Net loans and leases to core deposits | 77.1264% | 4,906 |
| Total domestic deposits to total assets | 82.9653% | 4,602 |
| Equity capital to assets | 10.6700% | 3,327 |
| Core capital (leverage) ratio | 10.8004% | 2,411 |
| Tier 1 risk-based capital ratio | 16.0920% | 2,718 |
| Total risk-based capital ratio | 17.3469% | 2,665 |
| Memoranda: | ||
| Average total assets | $86,745,500 | 5,454 |
| Average earning assets | $80,576,750 | 5,384 |
| Average equity | $9,161,250 | 5,448 |
| Average total loans | $50,651,250 | 5,544 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3195% | 7,019 |
| Cost of funding earning assets | 1.2827% | 4,631 |
| Net interest margin | 3.0368% | 6,753 |
| Noninterest income to average assets | 0.2989% | 5,755 |
| Noninterest expense to average assets | 2.4352% | 5,959 |
| Loan and lease loss provision to assets | 0.0138% | 6,776 |
| Net operating income to assets | 0.6393% | 3,686 |
| Return on assets (ROA) | 0.6393% | 3,829 |
| Pretax return on assets | 0.6646% | 4,353 |
| Return on Equity (ROE) | 6.0736% | 3,771 |
| Retained earnings to average equity (ytd only) | 0.2403% | 5,658 |
| Net charge-offs to loans | 0.1323% | 4,888 |
| Credit loss provision to net charge-offs | 18.1818% | 5,874 |
| Earnings coverage of net charge-offs (x) | 8.9394% | 2,074 |
| Efficiency ratio | 78.2127% | 2,693 |
| Assets per employee ($millions) | 3.8900% | 4,004 |
| Cash dividends to net income (ytd only)* | 96.0432% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 2,855 |
| Loan loss allowance to noncurrent loans | 228.0702% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 6,282 |
| Noncurrent loans to loans | 0.7712% | 5,728 |
| Net loans and leases to total assets | 59.3905% | 5,177 |
| Net loans and leases to deposits | 71.3822% | 5,094 |
| Net loans and leases to core deposits | 75.5118% | 5,250 |
| Total domestic deposits to total assets | 83.2007% | 4,485 |
| Equity capital to assets | 10.6893% | 3,179 |
| Core capital (leverage) ratio | 10.1621% | 2,985 |
| Tier 1 risk-based capital ratio | 16.2765% | 2,562 |
| Total risk-based capital ratio | 17.5317% | 2,512 |
| Memoranda: | ||
| Average total assets | $86,976,000 | 5,484 |
| Average earning assets | $80,611,000 | 5,412 |
| Average equity | $9,154,330 | 5,456 |
| Average total loans | $49,877,670 | 5,611 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 7,288 |
| Cost of funding earning assets | 1.3380% | 4,575 |
| Net interest margin | 2.8389% | 7,121 |
| Noninterest income to average assets | 0.3513% | 5,330 |
| Noninterest expense to average assets | 2.3542% | 6,233 |
| Loan and lease loss provision to assets | 0.0137% | 6,483 |
| Net operating income to assets | 0.5840% | 3,969 |
| Return on assets (ROA) | 0.5840% | 4,114 |
| Pretax return on assets | 0.6068% | 4,572 |
| Return on Equity (ROE) | 5.5910% | 4,069 |
| Retained earnings to average equity (ytd only) | 0.7426% | 5,528 |
| Net charge-offs to loans | 0.0163% | 5,355 |
| Credit loss provision to net charge-offs | 150.0000% | 2,371 |
| Earnings coverage of net charge-offs (x) | 68.0000% | 446 |
| Efficiency ratio | 79.1411% | 2,694 |
| Assets per employee ($millions) | 3.9062% | 4,083 |
| Cash dividends to net income (ytd only)* | 86.7188% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9184% | 2,390 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4678% | 6,301 |
| Noncurrent loans to loans | 0.8222% | 5,668 |
| Net loans and leases to total assets | 55.8055% | 5,775 |
| Net loans and leases to deposits | 66.9959% | 5,710 |
| Net loans and leases to core deposits | 70.8469% | 5,841 |
| Total domestic deposits to total assets | 83.2969% | 4,478 |
| Equity capital to assets | 10.6428% | 3,100 |
| Core capital (leverage) ratio | 10.4638% | 2,652 |
| Tier 1 risk-based capital ratio | 16.9078% | 2,296 |
| Total risk-based capital ratio | 18.1641% | 2,248 |
| Memoranda: | ||
| Average total assets | $87,673,500 | 5,524 |
| Average earning assets | $81,018,500 | 5,468 |
| Average equity | $9,157,500 | 5,499 |
| Average total loans | $48,948,000 | 5,715 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7720% | 7,001 |
| Cost of funding earning assets | 1.7860% | 4,069 |
| Net interest margin | 2.9859% | 6,681 |
| Noninterest income to average assets | 0.3234% | 5,769 |
| Noninterest expense to average assets | 2.4861% | 6,185 |
| Loan and lease loss provision to assets | 0.0070% | 7,399 |
| Net operating income to assets | 0.5952% | 3,349 |
| Return on assets (ROA) | 0.5952% | 3,431 |
| Pretax return on assets | 0.6174% | 3,856 |
| Return on Equity (ROE) | 5.4844% | 3,433 |
| Retained earnings to average equity (ytd only) | 0.3887% | 4,690 |
| Net charge-offs to loans | 0.0062% | 7,153 |
| Credit loss provision to net charge-offs | 200.0000% | 1,948 |
| Earnings coverage of net charge-offs (x) | 177.6667% | 156 |
| Efficiency ratio | 79.9247% | 2,903 |
| Assets per employee ($millions) | 4.0641% | 3,685 |
| Cash dividends to net income (ytd only)* | 92.9134% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9122% | 2,230 |
| Loan loss allowance to noncurrent loans | 461.5764% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 6,851 |
| Noncurrent loans to loans | 0.4143% | 6,451 |
| Net loans and leases to total assets | 53.7562% | 6,220 |
| Net loans and leases to deposits | 63.9872% | 6,263 |
| Net loans and leases to core deposits | 75.8921% | 6,406 |
| Total domestic deposits to total assets | 84.0109% | 4,018 |
| Equity capital to assets | 10.2549% | 3,451 |
| Core capital (leverage) ratio | 10.7027% | 2,428 |
| Tier 1 risk-based capital ratio | 16.6390% | 2,262 |
| Total risk-based capital ratio | 17.8943% | 2,213 |
| Memoranda: | ||
| Average total assets | $85,353,800 | 5,547 |
| Average earning assets | $79,673,600 | 5,468 |
| Average equity | $9,262,600 | 5,526 |
| Average total loans | $48,750,200 | 5,729 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8568% | 6,993 |
| Cost of funding earning assets | 1.8544% | 4,125 |
| Net interest margin | 3.0024% | 6,607 |
| Noninterest income to average assets | 0.3272% | 5,868 |
| Noninterest expense to average assets | 2.5752% | 5,804 |
| Loan and lease loss provision to assets | 0.0047% | 7,267 |
| Net operating income to assets | 0.5422% | 3,823 |
| Return on assets (ROA) | 0.5422% | 3,907 |
| Pretax return on assets | 0.5628% | 4,322 |
| Return on Equity (ROE) | 4.9248% | 3,999 |
| Retained earnings to average equity (ytd only) | 0.2441% | 5,098 |
| Net charge-offs to loans | 0.0082% | 6,845 |
| Credit loss provision to net charge-offs | 100.0000% | 5,070 |
| Earnings coverage of net charge-offs (x) | 119.6625% | 313 |
| Efficiency ratio | 81.9416% | 2,585 |
| Assets per employee ($millions) | 3.9303% | 3,871 |
| Cash dividends to net income (ytd only)* | 95.0450% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8119% | 2,238 |
| Loan loss allowance to noncurrent loans | 11,675.0000% | 34 |
| Noncurrent assets plus other real estate owned to assets | 0.0266% | 7,518 |
| Noncurrent loans to loans | 0.0155% | 7,489 |
| Net loans and leases to total assets | 58.5375% | 5,803 |
| Net loans and leases to deposits | 70.4062% | 5,860 |
| Net loans and leases to core deposits | 85.6647% | 5,897 |
| Total domestic deposits to total assets | 83.1425% | 4,152 |
| Equity capital to assets | 10.6608% | 3,331 |
| Core capital (leverage) ratio | 10.5980% | 2,714 |
| Tier 1 risk-based capital ratio | 16.1387% | 2,585 |
| Total risk-based capital ratio | 17.3947% | 2,515 |
| Memoranda: | ||
| Average total assets | $84,339,500 | 5,610 |
| Average earning assets | $79,090,250 | 5,522 |
| Average equity | $9,286,000 | 5,564 |
| Average total loans | $48,687,500 | 5,770 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 7,052 |
| Cost of funding earning assets | 1.9131% | 4,200 |
| Net interest margin | 2.9771% | 6,616 |
| Noninterest income to average assets | 0.3300% | 5,869 |
| Noninterest expense to average assets | 2.5828% | 5,807 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5118% | 4,040 |
| Return on assets (ROA) | 0.5118% | 4,162 |
| Pretax return on assets | 0.5309% | 4,520 |
| Return on Equity (ROE) | 4.5979% | 4,260 |
| Retained earnings to average equity (ytd only) | 2.7286% | 3,815 |
| Net charge-offs to loans | 0.0251% | 6,129 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 857 |
| Efficiency ratio | 82.9493% | 2,611 |
| Assets per employee ($millions) | 3.9186% | 3,841 |
| Cash dividends to net income (ytd only)* | 40.6542% | 2,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 1,826 |
| Loan loss allowance to noncurrent loans | 1,385.0746% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0777% | 7,388 |
| Noncurrent loans to loans | 0.1362% | 7,176 |
| Net loans and leases to total assets | 55.9947% | 6,205 |
| Net loans and leases to deposits | 67.5071% | 6,249 |
| Net loans and leases to core deposits | 83.1892% | 6,146 |
| Total domestic deposits to total assets | 82.9463% | 4,265 |
| Equity capital to assets | 10.8375% | 3,072 |
| Core capital (leverage) ratio | 10.7371% | 2,622 |
| Tier 1 risk-based capital ratio | 16.9565% | 2,320 |
| Total risk-based capital ratio | 18.2119% | 2,267 |
| Memoranda: | ||
| Average total assets | $83,630,670 | 5,677 |
| Average earning assets | $78,195,670 | 5,591 |
| Average equity | $9,308,670 | 5,576 |
| Average total loans | $47,733,670 | 5,859 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9716% | 7,009 |
| Cost of funding earning assets | 1.9554% | 4,353 |
| Net interest margin | 3.0162% | 6,437 |
| Noninterest income to average assets | 0.3789% | 5,397 |
| Noninterest expense to average assets | 2.6135% | 5,396 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5635% | 4,171 |
| Return on assets (ROA) | 0.5635% | 4,357 |
| Pretax return on assets | 0.5829% | 4,811 |
| Return on Equity (ROE) | 4.9938% | 4,479 |
| Retained earnings to average equity (ytd only) | 1.2485% | 5,139 |
| Net charge-offs to loans | 0.0596% | 4,633 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 17.1429% | 1,521 |
| Efficiency ratio | 81.7629% | 2,565 |
| Assets per employee ($millions) | 3.6236% | 4,517 |
| Cash dividends to net income (ytd only)* | 75.0000% | 1,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 1,497 |
| Loan loss allowance to noncurrent loans | 4,213.6364% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 7,545 |
| Noncurrent loans to loans | 0.0466% | 7,406 |
| Net loans and leases to total assets | 55.5746% | 6,300 |
| Net loans and leases to deposits | 67.3154% | 6,243 |
| Net loans and leases to core deposits | 83.8013% | 6,074 |
| Total domestic deposits to total assets | 82.5586% | 4,349 |
| Equity capital to assets | 11.1108% | 2,883 |
| Core capital (leverage) ratio | 10.8227% | 2,640 |
| Tier 1 risk-based capital ratio | 17.4148% | 2,210 |
| Total risk-based capital ratio | 18.6717% | 2,152 |
| Memoranda: | ||
| Average total assets | $82,341,000 | 5,725 |
| Average earning assets | $76,917,000 | 5,659 |
| Average equity | $9,291,500 | 5,606 |
| Average total loans | $47,000,000 | 5,915 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6951% | 6,795 |
| Cost of funding earning assets | 2.4204% | 4,632 |
| Net interest margin | 3.2747% | 6,122 |
| Noninterest income to average assets | 0.3458% | 5,970 |
| Noninterest expense to average assets | 2.4517% | 6,198 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9242% | 2,899 |
| Return on assets (ROA) | 0.9242% | 2,751 |
| Pretax return on assets | 0.9611% | 3,518 |
| Return on Equity (ROE) | 8.5386% | 2,820 |
| Retained earnings to average equity (ytd only) | 0.1432% | 5,141 |
| Net charge-offs to loans | 0.0215% | 6,551 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 80.6000% | 517 |
| Efficiency ratio | 71.8379% | 3,967 |
| Assets per employee ($millions) | 3.5365% | 4,578 |
| Cash dividends to net income (ytd only)* | 98.3226% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9976% | 1,226 |
| Loan loss allowance to noncurrent loans | 7,184.6154% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 7,542 |
| Noncurrent loans to loans | 0.0278% | 7,401 |
| Net loans and leases to total assets | 56.3339% | 6,393 |
| Net loans and leases to deposits | 68.1378% | 6,454 |
| Net loans and leases to core deposits | 85.1330% | 6,199 |
| Total domestic deposits to total assets | 82.6764% | 3,905 |
| Equity capital to assets | 11.4618% | 2,661 |
| Core capital (leverage) ratio | 11.0222% | 2,579 |
| Tier 1 risk-based capital ratio | 17.6125% | 2,146 |
| Total risk-based capital ratio | 18.8701% | 2,081 |
| Memoranda: | ||
| Average total assets | $83,859,000 | 5,568 |
| Average earning assets | $78,540,800 | 5,475 |
| Average equity | $9,076,400 | 5,716 |
| Average total loans | $46,511,400 | 5,852 |