Home > First National Bank of Alvin > Performance and Condition Ratios
First National Bank of Alvin, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2116% | 4,444 |
| Cost of funding earning assets | 1.1966% | 3,816 |
| Net interest margin | 2.0150% | 4,249 |
| Noninterest income to average assets | 0.2100% | 3,644 |
| Noninterest expense to average assets | 1.8109% | 3,939 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 0.3467% | 3,768 |
| Return on assets (ROA) | 0.3467% | 3,796 |
| Pretax return on assets | 0.3467% | 3,877 |
| Return on Equity (ROE) | 8.8800% | 2,500 |
| Retained earnings to average equity (ytd only) | 0.2759% | 3,844 |
| Net charge-offs to loans | 0.0088% | 2,588 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,462 |
| Earnings coverage of net charge-offs (x) | 263.0000% | 418 |
| Efficiency ratio | 84.4517% | 767 |
| Assets per employee ($millions) | 9.5706% | 881 |
| Cash dividends to net income (ytd only)* | 96.8921% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 2,800 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 14.1500% | 4,342 |
| Net loans and leases to deposits | 14.7006% | 4,359 |
| Net loans and leases to core deposits | 17.5592% | 4,331 |
| Total domestic deposits to total assets | 96.2500% | 27 |
| Equity capital to assets | 3.3700% | 4,448 |
| Core capital (leverage) ratio | 11.4112% | 1,726 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $157,762,800 | 3,292 |
| Average earning assets | $151,512,800 | 3,240 |
| Average equity | $6,162,200 | 4,140 |
| Average total loans | $22,816,800 | 4,182 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2905% | 4,474 |
| Cost of funding earning assets | 1.2490% | 3,752 |
| Net interest margin | 2.0414% | 4,261 |
| Noninterest income to average assets | 0.2100% | 3,632 |
| Noninterest expense to average assets | 1.6141% | 4,167 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 0.5571% | 3,329 |
| Return on assets (ROA) | 0.5571% | 3,352 |
| Pretax return on assets | 0.5571% | 3,552 |
| Return on Equity (ROE) | 13.7700% | 1,192 |
| Retained earnings to average equity (ytd only) | 3.4533% | 3,026 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 74.3137% | 1,553 |
| Assets per employee ($millions) | 10.0593% | 751 |
| Cash dividends to net income (ytd only)* | 74.9235% | 583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,141 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 14.8300% | 4,373 |
| Net loans and leases to deposits | 15.8584% | 4,390 |
| Net loans and leases to core deposits | 20.2775% | 4,362 |
| Total domestic deposits to total assets | 93.5200% | 61 |
| Equity capital to assets | 5.8844% | 4,363 |
| Core capital (leverage) ratio | 11.2180% | 1,912 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $156,528,500 | 3,301 |
| Average earning assets | $150,086,750 | 3,256 |
| Average equity | $6,332,000 | 4,142 |
| Average total loans | $22,702,750 | 4,208 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2819% | 4,492 |
| Cost of funding earning assets | 1.2521% | 3,709 |
| Net interest margin | 2.0298% | 4,278 |
| Noninterest income to average assets | 0.2100% | 3,620 |
| Noninterest expense to average assets | 1.5340% | 4,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 0.6262% | 3,128 |
| Return on assets (ROA) | 0.6262% | 3,160 |
| Pretax return on assets | 0.6262% | 3,391 |
| Return on Equity (ROE) | 18.0900% | 610 |
| Retained earnings to average equity (ytd only) | 3.5747% | 2,860 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 70.9696% | 1,981 |
| Assets per employee ($millions) | 8.5759% | 1,170 |
| Cash dividends to net income (ytd only)* | 80.2419% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 1,839 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 13.7200% | 4,395 |
| Net loans and leases to deposits | 14.3035% | 4,414 |
| Net loans and leases to core deposits | 18.3814% | 4,380 |
| Total domestic deposits to total assets | 95.9300% | 23 |
| Equity capital to assets | 3.5500% | 4,487 |
| Core capital (leverage) ratio | 10.8798% | 2,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $158,408,000 | 3,298 |
| Average earning assets | $152,229,000 | 3,245 |
| Average equity | $5,483,000 | 4,228 |
| Average total loans | $22,719,667 | 4,228 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2330% | 4,514 |
| Cost of funding earning assets | 1.2347% | 3,668 |
| Net interest margin | 1.9983% | 4,310 |
| Noninterest income to average assets | 0.2100% | 3,582 |
| Noninterest expense to average assets | 1.5134% | 4,273 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 0.6183% | 3,106 |
| Return on assets (ROA) | 0.6183% | 3,130 |
| Pretax return on assets | 0.6183% | 3,349 |
| Return on Equity (ROE) | 18.0900% | 602 |
| Retained earnings to average equity (ytd only) | 8.4602% | 1,436 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 70.9942% | 2,045 |
| Assets per employee ($millions) | 7.9960% | 1,455 |
| Cash dividends to net income (ytd only)* | 53.2258% | 1,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 2,416 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 14.3800% | 4,415 |
| Net loans and leases to deposits | 14.9077% | 4,426 |
| Net loans and leases to core deposits | 19.5169% | 4,440 |
| Total domestic deposits to total assets | 96.4600% | 41 |
| Equity capital to assets | 3.1685% | 4,514 |
| Core capital (leverage) ratio | 10.4794% | 2,341 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $160,429,000 | 3,291 |
| Average earning assets | $154,530,500 | 3,238 |
| Average equity | $5,484,500 | 4,251 |
| Average total loans | $23,352,500 | 4,241 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8961% | 4,539 |
| Cost of funding earning assets | 1.1705% | 2,886 |
| Net interest margin | 1.7256% | 4,467 |
| Noninterest income to average assets | 0.3300% | 2,919 |
| Noninterest expense to average assets | 1.4549% | 4,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.5297% | 3,609 |
| Return on assets (ROA) | 0.5297% | 3,593 |
| Pretax return on assets | 0.5297% | 3,763 |
| Return on Equity (ROE) | 25.2500% | 305 |
| Retained earnings to average equity (ytd only) | 6.4576% | 2,075 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 73.3087% | 1,526 |
| Assets per employee ($millions) | 8.9410% | 1,004 |
| Cash dividends to net income (ytd only)* | 74.4240% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1649% | 2,476 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 14.3900% | 4,431 |
| Net loans and leases to deposits | 14.9979% | 4,446 |
| Net loans and leases to core deposits | 17.1850% | 4,461 |
| Total domestic deposits to total assets | 95.9600% | 40 |
| Equity capital to assets | 3.6673% | 4,515 |
| Core capital (leverage) ratio | 11.2115% | 1,816 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $163,862,800 | 3,243 |
| Average earning assets | $157,108,600 | 3,188 |
| Average equity | $3,437,800 | 4,393 |
| Average total loans | $24,178,000 | 4,231 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9509% | 4,536 |
| Cost of funding earning assets | 1.1974% | 2,436 |
| Net interest margin | 1.7534% | 4,490 |
| Noninterest income to average assets | 0.2300% | 3,581 |
| Noninterest expense to average assets | 1.4354% | 4,366 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.4755% | 3,814 |
| Return on assets (ROA) | 0.4755% | 3,818 |
| Pretax return on assets | 0.4755% | 3,944 |
| Return on Equity (ROE) | 27.7400% | 284 |
| Retained earnings to average equity (ytd only) | -2.3153% | 4,336 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 75.1166% | 1,259 |
| Assets per employee ($millions) | 7.7022% | 1,506 |
| Cash dividends to net income (ytd only)* | 108.3475% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0932% | 2,897 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 16.8200% | 4,449 |
| Net loans and leases to deposits | 17.3037% | 4,462 |
| Net loans and leases to core deposits | 20.7706% | 4,440 |
| Total domestic deposits to total assets | 97.1800% | 49 |
| Equity capital to assets | 0.0642% | 4,594 |
| Core capital (leverage) ratio | 10.6056% | 2,313 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $164,594,000 | 3,243 |
| Average earning assets | $157,555,000 | 3,197 |
| Average equity | $2,821,750 | 4,458 |
| Average total loans | $24,363,750 | 4,243 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9417% | 4,560 |
| Cost of funding earning assets | 1.1615% | 2,103 |
| Net interest margin | 1.7802% | 4,543 |
| Noninterest income to average assets | 0.2200% | 3,636 |
| Noninterest expense to average assets | 1.3909% | 4,421 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5414% | 3,723 |
| Return on assets (ROA) | 0.5414% | 3,731 |
| Pretax return on assets | 0.5414% | 3,895 |
| Return on Equity (ROE) | 24.7700% | 393 |
| Retained earnings to average equity (ytd only) | -3.7523% | 4,375 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 72.0267% | 1,559 |
| Assets per employee ($millions) | 9.2807% | 826 |
| Cash dividends to net income (ytd only)* | 115.1515% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1142% | 2,884 |
| 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 | 14.3400% | 4,490 |
| Net loans and leases to deposits | 14.7685% | 4,497 |
| Net loans and leases to core deposits | 17.5833% | 4,480 |
| Total domestic deposits to total assets | 97.1300% | 41 |
| Equity capital to assets | 2.3466% | 4,594 |
| Core capital (leverage) ratio | 9.8176% | 2,938 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $170,678,000 | 3,211 |
| Average earning assets | $163,577,000 | 3,166 |
| Average equity | $3,731,000 | 4,413 |
| Average total loans | $24,191,333 | 4,262 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9111% | 4,577 |
| Cost of funding earning assets | 1.1025% | 1,746 |
| Net interest margin | 1.8085% | 4,604 |
| Noninterest income to average assets | 0.2200% | 3,644 |
| Noninterest expense to average assets | 1.3612% | 4,497 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5960% | 3,697 |
| Return on assets (ROA) | 0.5960% | 3,665 |
| Pretax return on assets | 0.5960% | 3,848 |
| Return on Equity (ROE) | 28.2700% | 278 |
| Retained earnings to average equity (ytd only) | 7.6997% | 2,314 |
| Net charge-offs to loans | 0.0165% | 1,356 |
| Credit loss provision to net charge-offs | 100.0000% | 1,112 |
| Earnings coverage of net charge-offs (x) | 257.0000% | 416 |
| Efficiency ratio | 69.5498% | 1,795 |
| Assets per employee ($millions) | 10.0494% | 686 |
| Cash dividends to net income (ytd only)* | 72.7626% | 754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,008 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 13.9400% | 4,557 |
| Net loans and leases to deposits | 14.3830% | 4,566 |
| Net loans and leases to core deposits | 17.4070% | 4,543 |
| Total domestic deposits to total assets | 96.9000% | 31 |
| Equity capital to assets | 2.6943% | 4,611 |
| Core capital (leverage) ratio | 9.5162% | 3,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $172,490,500 | 3,244 |
| Average earning assets | $165,438,000 | 3,185 |
| Average equity | $3,636,500 | 4,487 |
| Average total loans | $24,170,500 | 4,322 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0657% | 4,597 |
| Cost of funding earning assets | 0.2846% | 3,002 |
| Net interest margin | 1.7811% | 4,601 |
| Noninterest income to average assets | 0.2300% | 3,761 |
| Noninterest expense to average assets | 1.3098% | 4,551 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.6221% | 3,827 |
| Return on assets (ROA) | 0.5842% | 3,880 |
| Pretax return on assets | 0.5842% | 4,054 |
| Return on Equity (ROE) | 14.8600% | 1,295 |
| Retained earnings to average equity (ytd only) | 5.8099% | 2,716 |
| Net charge-offs to loans | 0.0045% | 2,278 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 1,100.0000% | 166 |
| Efficiency ratio | 67.7986% | 1,987 |
| Assets per employee ($millions) | 9.1653% | 861 |
| Cash dividends to net income (ytd only)* | 60.8906% | 923 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 2,499 |
| 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 | 13.7700% | 4,592 |
| Net loans and leases to deposits | 14.0373% | 4,598 |
| Net loans and leases to core deposits | 15.7848% | 4,581 |
| Total domestic deposits to total assets | 98.0900% | 31 |
| Equity capital to assets | 1.5332% | 4,664 |
| Core capital (leverage) ratio | 10.1007% | 2,541 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $176,819,000 | 3,219 |
| Average earning assets | $169,334,400 | 3,162 |
| Average equity | $6,953,600 | 4,223 |
| Average total loans | $22,100,800 | 4,377 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9774% | 4,614 |
| Cost of funding earning assets | 0.2133% | 3,109 |
| Net interest margin | 1.7640% | 4,606 |
| Noninterest income to average assets | 0.2300% | 3,794 |
| Noninterest expense to average assets | 1.3131% | 4,573 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6017% | 3,828 |
| Return on assets (ROA) | 0.6017% | 3,786 |
| Pretax return on assets | 0.6017% | 3,988 |
| Return on Equity (ROE) | 13.3100% | 1,609 |
| Retained earnings to average equity (ytd only) | 2.8578% | 3,808 |
| Net charge-offs to loans | 0.0062% | 1,932 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 801.0000% | 202 |
| Efficiency ratio | 68.5759% | 1,946 |
| Assets per employee ($millions) | 8.5818% | 1,035 |
| Cash dividends to net income (ytd only)* | 78.5268% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 2,070 |
| 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 | 13.4000% | 4,631 |
| Net loans and leases to deposits | 13.3633% | 4,644 |
| Net loans and leases to core deposits | 15.4478% | 4,621 |
| Total domestic deposits to total assets | 100.3000% | 14 |
| Equity capital to assets | -0.7133% | 4,743 |
| Core capital (leverage) ratio | 9.5034% | 3,075 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $177,488,500 | 3,231 |
| Average earning assets | $169,983,500 | 3,175 |
| Average equity | $8,024,500 | 4,131 |
| Average total loans | $21,559,750 | 4,414 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8073% | 4,663 |
| Cost of funding earning assets | 0.1511% | 3,558 |
| Net interest margin | 1.6562% | 4,663 |
| Noninterest income to average assets | 0.2161% | 3,912 |
| Noninterest expense to average assets | 1.2331% | 4,623 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.5705% | 3,705 |
| Return on assets (ROA) | 0.5705% | 3,656 |
| Pretax return on assets | 0.5705% | 3,872 |
| Return on Equity (ROE) | 9.3804% | 2,570 |
| Retained earnings to average equity (ytd only) | 2.4533% | 3,628 |
| Net charge-offs to loans | 0.0094% | 1,639 |
| Credit loss provision to net charge-offs | 0.0000% | 1,663 |
| Earnings coverage of net charge-offs (x) | 520.0000% | 250 |
| Efficiency ratio | 68.3698% | 2,190 |
| Assets per employee ($millions) | 9.1647% | 835 |
| Cash dividends to net income (ytd only)* | 73.8462% | 734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3006% | 2,188 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 11.8411% | 4,701 |
| Net loans and leases to deposits | 12.2107% | 4,712 |
| Net loans and leases to core deposits | 14.2153% | 4,696 |
| Total domestic deposits to total assets | 96.9732% | 50 |
| Equity capital to assets | 2.7066% | 4,705 |
| Core capital (leverage) ratio | 9.4902% | 2,934 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $182,300,000 | 3,225 |
| Average earning assets | $174,737,667 | 3,175 |
| Average equity | $11,087,000 | 3,882 |
| Average total loans | $21,366,333 | 4,475 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7061% | 4,679 |
| Cost of funding earning assets | 0.1033% | 4,095 |
| Net interest margin | 1.6028% | 4,670 |
| Noninterest income to average assets | 0.2156% | 3,865 |
| Noninterest expense to average assets | 1.2299% | 4,657 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5214% | 3,649 |
| Return on assets (ROA) | 0.5214% | 3,615 |
| Pretax return on assets | 0.5214% | 3,832 |
| Return on Equity (ROE) | 6.6996% | 3,129 |
| Retained earnings to average equity (ytd only) | 1.5830% | 3,660 |
| Net charge-offs to loans | 0.0190% | 1,147 |
| Credit loss provision to net charge-offs | 0.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 237.0000% | 386 |
| Efficiency ratio | 70.2261% | 2,196 |
| Assets per employee ($millions) | 8.9657% | 932 |
| Cash dividends to net income (ytd only)* | 76.3713% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3633% | 2,057 |
| 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 | 11.5402% | 4,728 |
| Net loans and leases to deposits | 12.2431% | 4,737 |
| Net loans and leases to core deposits | 13.4712% | 4,726 |
| Total domestic deposits to total assets | 94.2586% | 91 |
| Equity capital to assets | 5.4497% | 4,669 |
| Core capital (leverage) ratio | 9.4907% | 2,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $181,803,000 | 3,235 |
| Average earning assets | $174,195,000 | 3,191 |
| Average equity | $14,150,000 | 3,639 |
| Average total loans | $21,054,500 | 4,499 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7095% | 4,729 |
| Cost of funding earning assets | 0.0789% | 4,537 |
| Net interest margin | 1.6307% | 4,704 |
| Noninterest income to average assets | 0.2324% | 3,989 |
| Noninterest expense to average assets | 1.0841% | 4,739 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7145% | 3,593 |
| Return on assets (ROA) | 0.7145% | 3,647 |
| Pretax return on assets | 0.7145% | 3,904 |
| Return on Equity (ROE) | 6.4181% | 3,669 |
| Retained earnings to average equity (ytd only) | -0.3145% | 4,531 |
| Net charge-offs to loans | 0.0088% | 2,245 |
| Credit loss provision to net charge-offs | 0.0000% | 2,330 |
| Earnings coverage of net charge-offs (x) | 622.5000% | 231 |
| Efficiency ratio | 60.2744% | 3,108 |
| Assets per employee ($millions) | 9.6996% | 729 |
| Cash dividends to net income (ytd only)* | 104.8996% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3583% | 2,100 |
| 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 | 11.3097% | 4,775 |
| Net loans and leases to deposits | 12.6221% | 4,780 |
| Net loans and leases to core deposits | 13.6034% | 4,770 |
| Total domestic deposits to total assets | 89.6024% | 1,171 |
| Equity capital to assets | 10.0536% | 2,608 |
| Core capital (leverage) ratio | 10.2734% | 2,109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $174,251,400 | 3,258 |
| Average earning assets | $167,355,600 | 3,214 |
| Average equity | $19,398,400 | 3,264 |
| Average total loans | $22,693,400 | 4,519 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8019% | 4,794 |
| Cost of funding earning assets | 0.0848% | 4,612 |
| Net interest margin | 1.7171% | 4,766 |
| Noninterest income to average assets | 0.2314% | 4,019 |
| Noninterest expense to average assets | 1.0613% | 4,823 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.8198% | 3,470 |
| Return on assets (ROA) | 0.8198% | 3,545 |
| Pretax return on assets | 0.8198% | 3,855 |
| Return on Equity (ROE) | 7.1776% | 3,625 |
| Retained earnings to average equity (ytd only) | -1.7060% | 4,694 |
| Net charge-offs to loans | 0.0058% | 2,113 |
| Credit loss provision to net charge-offs | 0.0000% | 2,044 |
| Earnings coverage of net charge-offs (x) | 1,056.0000% | 157 |
| Efficiency ratio | 56.4177% | 3,481 |
| Assets per employee ($millions) | 8.7083% | 985 |
| Cash dividends to net income (ytd only)* | 123.7689% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2774% | 2,601 |
| 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 | 13.4524% | 4,840 |
| Net loans and leases to deposits | 15.2633% | 4,846 |
| Net loans and leases to core deposits | 16.8471% | 4,834 |
| Total domestic deposits to total assets | 88.1359% | 1,757 |
| Equity capital to assets | 11.4338% | 1,720 |
| Core capital (leverage) ratio | 10.2049% | 2,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $171,741,000 | 3,312 |
| Average earning assets | $165,002,500 | 3,262 |
| Average equity | $19,616,000 | 3,290 |
| Average total loans | $23,084,250 | 4,571 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8369% | 4,832 |
| Cost of funding earning assets | 0.0886% | 4,648 |
| Net interest margin | 1.7483% | 4,802 |
| Noninterest income to average assets | 0.2255% | 4,049 |
| Noninterest expense to average assets | 1.0470% | 4,861 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.8594% | 3,338 |
| Return on assets (ROA) | 0.8594% | 3,414 |
| Pretax return on assets | 0.8594% | 3,748 |
| Return on Equity (ROE) | 7.5270% | 3,524 |
| Retained earnings to average equity (ytd only) | -2.3578% | 4,690 |
| Net charge-offs to loans | 0.0086% | 1,816 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | 747.0000% | 187 |
| Efficiency ratio | 54.9185% | 3,686 |
| Assets per employee ($millions) | 9.3337% | 764 |
| Cash dividends to net income (ytd only)* | 131.3253% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3057% | 2,409 |
| Loan loss allowance to noncurrent loans | 1,304.5455% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0124% | 4,214 |
| Noncurrent loans to loans | 0.1001% | 3,684 |
| Net loans and leases to total assets | 12.2330% | 4,884 |
| Net loans and leases to deposits | 13.7737% | 4,889 |
| Net loans and leases to core deposits | 15.8049% | 4,878 |
| Total domestic deposits to total assets | 88.8141% | 1,377 |
| Equity capital to assets | 10.7866% | 2,160 |
| Core capital (leverage) ratio | 9.9518% | 2,441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $173,835,667 | 3,301 |
| Average earning assets | $167,131,000 | 3,249 |
| Average equity | $19,848,667 | 3,265 |
| Average total loans | $23,263,667 | 4,603 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9560% | 4,844 |
| Cost of funding earning assets | 0.0993% | 4,651 |
| Net interest margin | 1.8568% | 4,791 |
| Noninterest income to average assets | 0.2278% | 4,011 |
| Noninterest expense to average assets | 1.1181% | 4,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8926% | 3,143 |
| Return on assets (ROA) | 0.8926% | 3,226 |
| Pretax return on assets | 0.8926% | 3,618 |
| Return on Equity (ROE) | 7.6008% | 3,447 |
| Retained earnings to average equity (ytd only) | 0.3365% | 4,324 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6069% | 3,586 |
| Assets per employee ($millions) | 9.9041% | 613 |
| Cash dividends to net income (ytd only)* | 95.5729% | 447 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 2,564 |
| 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 | 12.5689% | 4,911 |
| Net loans and leases to deposits | 14.1641% | 4,912 |
| Net loans and leases to core deposits | 16.9619% | 4,898 |
| Total domestic deposits to total assets | 88.7376% | 1,477 |
| Equity capital to assets | 10.8659% | 1,959 |
| Core capital (leverage) ratio | 10.3927% | 2,166 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,083,500 | 3,311 |
| Average earning assets | $165,231,500 | 3,264 |
| Average equity | $20,208,500 | 3,226 |
| Average total loans | $23,905,000 | 4,619 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0012% | 4,918 |
| Cost of funding earning assets | 0.2466% | 4,395 |
| Net interest margin | 1.7546% | 4,889 |
| Noninterest income to average assets | 0.2650% | 3,893 |
| Noninterest expense to average assets | 1.2240% | 4,895 |
| Loan and lease loss provision to assets | 0.0128% | 4,211 |
| Net operating income to assets | 0.7049% | 3,418 |
| Return on assets (ROA) | 0.9335% | 2,693 |
| Pretax return on assets | 0.9335% | 3,271 |
| Return on Equity (ROE) | 7.2102% | 3,117 |
| Retained earnings to average equity (ytd only) | 0.6609% | 4,326 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0385% | 2,968 |
| Assets per employee ($millions) | 8.7312% | 818 |
| Cash dividends to net income (ytd only)* | 90.8345% | 402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1508% | 3,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 14.9645% | 4,917 |
| Net loans and leases to deposits | 17.2379% | 4,920 |
| Net loans and leases to core deposits | 18.7055% | 4,914 |
| Total domestic deposits to total assets | 86.8114% | 2,028 |
| Equity capital to assets | 12.6865% | 1,236 |
| Core capital (leverage) ratio | 11.4561% | 1,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $156,615,000 | 3,319 |
| Average earning assets | $149,662,800 | 3,268 |
| Average equity | $20,276,800 | 3,165 |
| Average total loans | $23,970,600 | 4,641 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1282% | 4,956 |
| Cost of funding earning assets | 0.2894% | 4,351 |
| Net interest margin | 1.8387% | 4,932 |
| Noninterest income to average assets | 0.2722% | 3,839 |
| Noninterest expense to average assets | 1.2391% | 4,926 |
| Loan and lease loss provision to assets | 0.0175% | 4,113 |
| Net operating income to assets | 0.7725% | 3,202 |
| Return on assets (ROA) | 0.9315% | 2,720 |
| Pretax return on assets | 0.9315% | 3,290 |
| Return on Equity (ROE) | 7.1563% | 3,140 |
| Retained earnings to average equity (ytd only) | -1.6596% | 4,675 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0733% | 3,205 |
| Assets per employee ($millions) | 9.6501% | 567 |
| Cash dividends to net income (ytd only)* | 123.1911% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1860% | 2,745 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 15.5944% | 4,953 |
| Net loans and leases to deposits | 18.1662% | 4,959 |
| Net loans and leases to core deposits | 20.2848% | 4,954 |
| Total domestic deposits to total assets | 85.8428% | 2,131 |
| Equity capital to assets | 13.5426% | 988 |
| Core capital (leverage) ratio | 11.2293% | 1,742 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,295,500 | 3,329 |
| Average earning assets | $147,416,750 | 3,273 |
| Average equity | $20,084,500 | 3,177 |
| Average total loans | $23,684,750 | 4,676 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2645% | 4,997 |
| Cost of funding earning assets | 0.3315% | 4,357 |
| Net interest margin | 1.9330% | 4,963 |
| Noninterest income to average assets | 0.2826% | 3,771 |
| Noninterest expense to average assets | 1.2887% | 4,951 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8388% | 2,904 |
| Return on assets (ROA) | 0.8635% | 2,948 |
| Pretax return on assets | 0.8635% | 3,421 |
| Return on Equity (ROE) | 6.7241% | 3,240 |
| Retained earnings to average equity (ytd only) | -3.1500% | 4,667 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5728% | 3,331 |
| Assets per employee ($millions) | 8.9325% | 689 |
| Cash dividends to net income (ytd only)* | 146.8468% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 3,418 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 16.0960% | 4,983 |
| Net loans and leases to deposits | 18.6280% | 4,988 |
| Net loans and leases to core deposits | 21.3022% | 4,981 |
| Total domestic deposits to total assets | 86.4079% | 1,839 |
| Equity capital to assets | 12.9776% | 1,176 |
| Core capital (leverage) ratio | 10.9940% | 1,968 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $154,260,000 | 3,309 |
| Average earning assets | $147,229,667 | 3,249 |
| Average equity | $19,809,333 | 3,193 |
| Average total loans | $23,457,333 | 4,702 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4804% | 5,050 |
| Cost of funding earning assets | 0.3833% | 4,414 |
| Net interest margin | 2.0971% | 4,990 |
| Noninterest income to average assets | 0.3258% | 3,571 |
| Noninterest expense to average assets | 1.4119% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9139% | 2,474 |
| Return on assets (ROA) | 0.9643% | 2,404 |
| Pretax return on assets | 0.9643% | 2,951 |
| Return on Equity (ROE) | 7.5515% | 2,716 |
| Retained earnings to average equity (ytd only) | -0.2904% | 4,034 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7062% | 3,652 |
| Assets per employee ($millions) | 7.7353% | 820 |
| Cash dividends to net income (ytd only)* | 103.8462% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 2,571 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 14.1022% | 5,041 |
| Net loans and leases to deposits | 16.3054% | 5,046 |
| Net loans and leases to core deposits | 19.3475% | 5,033 |
| Total domestic deposits to total assets | 86.4879% | 1,786 |
| Equity capital to assets | 13.0066% | 1,425 |
| Core capital (leverage) ratio | 11.6796% | 1,939 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $150,997,500 | 3,311 |
| Average earning assets | $144,011,500 | 3,251 |
| Average equity | $19,281,000 | 3,241 |
| Average total loans | $22,111,500 | 4,762 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8799% | 5,080 |
| Cost of funding earning assets | 0.3829% | 4,500 |
| Net interest margin | 2.4970% | 4,970 |
| Noninterest income to average assets | 0.3722% | 3,469 |
| Noninterest expense to average assets | 1.4445% | 5,026 |
| Loan and lease loss provision to assets | 0.0014% | 3,957 |
| Net operating income to assets | 1.3077% | 1,658 |
| Return on assets (ROA) | 1.3465% | 1,598 |
| Pretax return on assets | 1.3465% | 2,344 |
| Return on Equity (ROE) | 11.0168% | 1,882 |
| Retained earnings to average equity (ytd only) | 0.8652% | 4,426 |
| Net charge-offs to loans | -0.0681% | 4,882 |
| Credit loss provision to net charge-offs | -13.3333% | 4,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4578% | 4,571 |
| Assets per employee ($millions) | 7.3645% | 910 |
| Cash dividends to net income (ytd only)* | 92.1466% | 474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2152% | 2,346 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 14.8470% | 5,098 |
| Net loans and leases to deposits | 17.0802% | 5,105 |
| Net loans and leases to core deposits | 19.6929% | 5,096 |
| Total domestic deposits to total assets | 86.9250% | 1,647 |
| Equity capital to assets | 12.5196% | 1,802 |
| Core capital (leverage) ratio | 12.3716% | 1,557 |
| Tier 1 risk-based capital ratio | 37.7619% | 279 |
| Total risk-based capital ratio | 38.3387% | 285 |
| Memoranda: | ||
| Average total assets | $141,852,600 | 3,411 |
| Average earning assets | $135,280,800 | 3,348 |
| Average equity | $17,337,200 | 3,400 |
| Average total loans | $22,030,200 | 4,818 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9364% | 5,161 |
| Cost of funding earning assets | 0.4130% | 4,454 |
| Net interest margin | 2.5235% | 5,049 |
| Noninterest income to average assets | 0.3758% | 3,464 |
| Noninterest expense to average assets | 1.4216% | 5,103 |
| Loan and lease loss provision to assets | 0.0019% | 3,816 |
| Net operating income to assets | 1.3590% | 1,617 |
| Return on assets (ROA) | 1.4112% | 1,496 |
| Pretax return on assets | 1.4112% | 2,264 |
| Return on Equity (ROE) | 11.6204% | 1,751 |
| Retained earnings to average equity (ytd only) | -2.1334% | 4,935 |
| Net charge-offs to loans | -0.0727% | 4,924 |
| Credit loss provision to net charge-offs | -16.6667% | 3,971 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0914% | 4,665 |
| Assets per employee ($millions) | 7.3885% | 887 |
| Cash dividends to net income (ytd only)* | 118.3590% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2126% | 2,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 15.4372% | 5,180 |
| Net loans and leases to deposits | 17.8298% | 5,181 |
| Net loans and leases to core deposits | 19.6189% | 5,176 |
| Total domestic deposits to total assets | 86.5809% | 1,732 |
| Equity capital to assets | 12.7637% | 1,747 |
| Core capital (leverage) ratio | 12.3521% | 1,655 |
| Tier 1 risk-based capital ratio | 36.9833% | 305 |
| Total risk-based capital ratio | 37.5557% | 310 |
| Memoranda: | ||
| Average total assets | $140,493,500 | 3,467 |
| Average earning assets | $133,990,750 | 3,400 |
| Average equity | $17,061,500 | 3,450 |
| Average total loans | $22,003,500 | 4,893 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9678% | 5,217 |
| Cost of funding earning assets | 0.4344% | 4,376 |
| Net interest margin | 2.5334% | 5,113 |
| Noninterest income to average assets | 0.3714% | 3,456 |
| Noninterest expense to average assets | 1.4289% | 5,147 |
| Loan and lease loss provision to assets | 0.0028% | 3,648 |
| Net operating income to assets | 1.3549% | 1,556 |
| Return on assets (ROA) | 1.3677% | 1,581 |
| Pretax return on assets | 1.3677% | 2,311 |
| Return on Equity (ROE) | 11.4568% | 1,804 |
| Retained earnings to average equity (ytd only) | -3.7792% | 5,006 |
| Net charge-offs to loans | -0.1362% | 5,063 |
| Credit loss provision to net charge-offs | -13.3333% | 3,764 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2768% | 4,704 |
| Assets per employee ($millions) | 7.3014% | 885 |
| Cash dividends to net income (ytd only)* | 132.9865% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2224% | 2,407 |
| Loan loss allowance to noncurrent loans | 2,988.8889% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 4,777 |
| Noncurrent loans to loans | 0.0409% | 4,505 |
| Net loans and leases to total assets | 15.6690% | 5,230 |
| Net loans and leases to deposits | 18.1161% | 5,230 |
| Net loans and leases to core deposits | 20.5058% | 5,218 |
| Total domestic deposits to total assets | 86.4921% | 1,823 |
| Equity capital to assets | 12.8685% | 1,652 |
| Core capital (leverage) ratio | 12.0677% | 1,786 |
| Tier 1 risk-based capital ratio | 36.3388% | 303 |
| Total risk-based capital ratio | 36.9089% | 315 |
| Memoranda: | ||
| Average total assets | $140,530,670 | 3,487 |
| Average earning assets | $133,970,330 | 3,424 |
| Average equity | $16,776,000 | 3,485 |
| Average total loans | $22,025,670 | 4,937 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9874% | 5,275 |
| Cost of funding earning assets | 0.4450% | 4,313 |
| Net interest margin | 2.5424% | 5,171 |
| Noninterest income to average assets | 0.3677% | 3,390 |
| Noninterest expense to average assets | 1.4593% | 5,194 |
| Loan and lease loss provision to assets | 0.0057% | 3,355 |
| Net operating income to assets | 1.3264% | 1,607 |
| Return on assets (ROA) | 1.3264% | 1,650 |
| Pretax return on assets | 1.3264% | 2,351 |
| Return on Equity (ROE) | 11.5531% | 1,711 |
| Retained earnings to average equity (ytd only) | 1.3056% | 4,254 |
| Net charge-offs to loans | 0.0545% | 1,506 |
| Credit loss provision to net charge-offs | 66.6667% | 1,875 |
| Earnings coverage of net charge-offs (x) | 157.0000% | 491 |
| Efficiency ratio | 52.2796% | 4,677 |
| Assets per employee ($millions) | 7.1287% | 947 |
| Cash dividends to net income (ytd only)* | 88.6994% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1134% | 3,050 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 15.6354% | 5,288 |
| Net loans and leases to deposits | 17.8887% | 5,289 |
| Net loans and leases to core deposits | 20.4510% | 5,280 |
| Total domestic deposits to total assets | 87.4037% | 1,614 |
| Equity capital to assets | 12.0401% | 1,998 |
| Core capital (leverage) ratio | 12.0672% | 1,733 |
| Tier 1 risk-based capital ratio | 36.4981% | 294 |
| Total risk-based capital ratio | 37.0212% | 299 |
| Memoranda: | ||
| Average total assets | $141,433,000 | 3,513 |
| Average earning assets | $134,835,000 | 3,444 |
| Average equity | $16,238,000 | 3,555 |
| Average total loans | $22,035,500 | 4,993 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8273% | 5,284 |
| Cost of funding earning assets | 0.2943% | 4,595 |
| Net interest margin | 2.5330% | 5,201 |
| Noninterest income to average assets | 0.3970% | 3,458 |
| Noninterest expense to average assets | 1.4199% | 5,255 |
| Loan and lease loss provision to assets | 0.0570% | 3,029 |
| Net operating income to assets | 1.3066% | 1,765 |
| Return on assets (ROA) | 1.3059% | 1,758 |
| Pretax return on assets | 1.3059% | 2,477 |
| Return on Equity (ROE) | 12.2060% | 1,643 |
| Retained earnings to average equity (ytd only) | 1.1860% | 4,654 |
| Net charge-offs to loans | 0.3511% | 540 |
| Credit loss provision to net charge-offs | 102.5641% | 2,462 |
| Earnings coverage of net charge-offs (x) | 24.5256% | 1,807 |
| Efficiency ratio | 51.0115% | 4,874 |
| Assets per employee ($millions) | 7.7940% | 707 |
| Cash dividends to net income (ytd only)* | 90.2838% | 432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1706% | 2,720 |
| Loan loss allowance to noncurrent loans | 101.2048% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 3,917 |
| Noncurrent loans to loans | 1.1566% | 1,391 |
| Net loans and leases to total assets | 15.1655% | 5,336 |
| Net loans and leases to deposits | 17.1373% | 5,338 |
| Net loans and leases to core deposits | 18.0278% | 5,335 |
| Total domestic deposits to total assets | 88.4940% | 1,073 |
| Equity capital to assets | 10.9130% | 2,778 |
| Core capital (leverage) ratio | 12.5778% | 1,417 |
| Tier 1 risk-based capital ratio | 36.6795% | 285 |
| Total risk-based capital ratio | 37.2088% | 293 |
| Memoranda: | ||
| Average total assets | $140,287,600 | 3,500 |
| Average earning assets | $132,176,600 | 3,466 |
| Average equity | $15,009,000 | 3,640 |
| Average total loans | $22,213,600 | 5,023 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8241% | 5,352 |
| Cost of funding earning assets | 0.2942% | 4,559 |
| Net interest margin | 2.5299% | 5,264 |
| Noninterest income to average assets | 0.3954% | 3,509 |
| Noninterest expense to average assets | 1.4057% | 5,321 |
| Loan and lease loss provision to assets | 0.0665% | 2,649 |
| Net operating income to assets | 1.3011% | 1,850 |
| Return on assets (ROA) | 1.3002% | 1,854 |
| Pretax return on assets | 1.3002% | 2,630 |
| Return on Equity (ROE) | 12.2136% | 1,719 |
| Retained earnings to average equity (ytd only) | -2.5534% | 5,228 |
| Net charge-offs to loans | 0.4527% | 344 |
| Credit loss provision to net charge-offs | 92.1053% | 2,400 |
| Earnings coverage of net charge-offs (x) | 18.9344% | 2,034 |
| Efficiency ratio | 50.6854% | 4,907 |
| Assets per employee ($millions) | 6.7906% | 1,021 |
| Cash dividends to net income (ytd only)* | 120.9068% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0992% | 3,197 |
| Loan loss allowance to noncurrent loans | 97.9920% | 3,487 |
| Noncurrent assets plus other real estate owned to assets | 0.1833% | 4,023 |
| Noncurrent loans to loans | 1.1218% | 1,518 |
| Net loans and leases to total assets | 16.1644% | 5,401 |
| Net loans and leases to deposits | 18.4741% | 5,406 |
| Net loans and leases to core deposits | 20.3734% | 5,398 |
| Total domestic deposits to total assets | 87.4973% | 1,489 |
| Equity capital to assets | 10.0787% | 3,561 |
| Core capital (leverage) ratio | 11.8007% | 1,914 |
| Tier 1 risk-based capital ratio | 33.8087% | 352 |
| Total risk-based capital ratio | 34.2940% | 363 |
| Memoranda: | ||
| Average total assets | $140,286,500 | 3,538 |
| Average earning assets | $131,862,000 | 3,510 |
| Average equity | $14,933,750 | 3,675 |
| Average total loans | $22,385,000 | 5,078 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7680% | 5,417 |
| Cost of funding earning assets | 0.2896% | 4,500 |
| Net interest margin | 2.4784% | 5,354 |
| Noninterest income to average assets | 0.4006% | 3,484 |
| Noninterest expense to average assets | 1.4036% | 5,389 |
| Loan and lease loss provision to assets | 0.0635% | 2,632 |
| Net operating income to assets | 1.2639% | 1,921 |
| Return on assets (ROA) | 1.2428% | 2,012 |
| Pretax return on assets | 1.2428% | 2,753 |
| Return on Equity (ROE) | 11.4796% | 1,916 |
| Retained earnings to average equity (ytd only) | -4.4693% | 5,265 |
| Net charge-offs to loans | 0.6860% | 211 |
| Credit loss provision to net charge-offs | 58.4416% | 2,437 |
| Earnings coverage of net charge-offs (x) | 12.2208% | 2,218 |
| Efficiency ratio | 51.3946% | 4,941 |
| Assets per employee ($millions) | 7.2197% | 854 |
| Cash dividends to net income (ytd only)* | 138.9330% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0138% | 3,746 |
| Loan loss allowance to noncurrent loans | 81.6479% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 4,055 |
| Noncurrent loans to loans | 1.2417% | 1,395 |
| Net loans and leases to total assets | 14.7410% | 5,475 |
| Net loans and leases to deposits | 16.4903% | 5,480 |
| Net loans and leases to core deposits | 18.0459% | 5,474 |
| Total domestic deposits to total assets | 89.3921% | 775 |
| Equity capital to assets | 9.9776% | 3,649 |
| Core capital (leverage) ratio | 11.3185% | 2,236 |
| Tier 1 risk-based capital ratio | 32.7761% | 385 |
| Total risk-based capital ratio | 33.1979% | 404 |
| Memoranda: | ||
| Average total assets | $141,778,330 | 3,547 |
| Average earning assets | $133,310,000 | 3,510 |
| Average equity | $15,349,000 | 3,636 |
| Average total loans | $22,447,670 | 5,139 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7125% | 5,478 |
| Cost of funding earning assets | 0.2906% | 4,414 |
| Net interest margin | 2.4218% | 5,433 |
| Noninterest income to average assets | 0.4300% | 3,241 |
| Noninterest expense to average assets | 1.4523% | 5,426 |
| Loan and lease loss provision to assets | 0.0427% | 2,903 |
| Net operating income to assets | 1.2131% | 1,950 |
| Return on assets (ROA) | 1.1732% | 2,130 |
| Pretax return on assets | 1.1732% | 2,876 |
| Return on Equity (ROE) | 10.4172% | 2,219 |
| Retained earnings to average equity (ytd only) | -0.3793% | 4,847 |
| Net charge-offs to loans | -0.0175% | 4,487 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6278% | 4,832 |
| Assets per employee ($millions) | 7.1514% | 906 |
| Cash dividends to net income (ytd only)* | 103.6408% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1739% | 2,961 |
| Loan loss allowance to noncurrent loans | 78.6982% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 0.2363% | 3,922 |
| Noncurrent loans to loans | 1.4916% | 1,182 |
| Net loans and leases to total assets | 15.6572% | 5,529 |
| Net loans and leases to deposits | 17.6069% | 5,534 |
| Net loans and leases to core deposits | 20.0014% | 5,521 |
| Total domestic deposits to total assets | 88.9266% | 1,130 |
| Equity capital to assets | 10.4673% | 3,111 |
| Core capital (leverage) ratio | 11.9898% | 1,658 |
| Tier 1 risk-based capital ratio | 32.9347% | 377 |
| Total risk-based capital ratio | 33.4420% | 394 |
| Memoranda: | ||
| Average total assets | $140,471,000 | 3,597 |
| Average earning assets | $132,131,000 | 3,563 |
| Average equity | $15,820,000 | 3,610 |
| Average total loans | $22,920,000 | 5,182 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4924% | 5,556 |
| Cost of funding earning assets | 0.1907% | 5,012 |
| Net interest margin | 2.3016% | 5,502 |
| Noninterest income to average assets | 0.4760% | 3,152 |
| Noninterest expense to average assets | 1.5849% | 5,427 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0602% | 2,018 |
| Return on assets (ROA) | 1.1516% | 1,706 |
| Pretax return on assets | 1.1516% | 2,977 |
| Return on Equity (ROE) | 8.9666% | 2,331 |
| Retained earnings to average equity (ytd only) | 2.0697% | 4,075 |
| Net charge-offs to loans | 0.0530% | 2,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 116.0000% | 582 |
| Efficiency ratio | 59.9194% | 4,277 |
| Assets per employee ($millions) | 6.5674% | 1,170 |
| Cash dividends to net income (ytd only)* | 76.9180% | 945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0785% | 3,460 |
| Loan loss allowance to noncurrent loans | 925.9259% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.0196% | 5,062 |
| Noncurrent loans to loans | 0.1165% | 4,459 |
| Net loans and leases to total assets | 16.6262% | 5,589 |
| Net loans and leases to deposits | 19.0485% | 5,596 |
| Net loans and leases to core deposits | 21.2215% | 5,588 |
| Total domestic deposits to total assets | 87.2835% | 1,865 |
| Equity capital to assets | 12.0864% | 1,775 |
| Core capital (leverage) ratio | 12.9486% | 1,164 |
| Tier 1 risk-based capital ratio | 36.0910% | 294 |
| Total risk-based capital ratio | 36.6131% | 304 |
| Memoranda: | ||
| Average total assets | $131,298,600 | 3,728 |
| Average earning assets | $123,737,400 | 3,688 |
| Average equity | $16,862,600 | 3,496 |
| Average total loans | $22,649,000 | 5,234 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4822% | 5,624 |
| Cost of funding earning assets | 0.1930% | 5,033 |
| Net interest margin | 2.2891% | 5,572 |
| Noninterest income to average assets | 0.4978% | 3,035 |
| Noninterest expense to average assets | 1.5910% | 5,458 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0655% | 2,253 |
| Return on assets (ROA) | 1.1889% | 1,776 |
| Pretax return on assets | 1.1889% | 2,948 |
| Return on Equity (ROE) | 9.1141% | 2,542 |
| Retained earnings to average equity (ytd only) | -0.0552% | 5,216 |
| Net charge-offs to loans | 0.0355% | 2,723 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 172.6625% | 491 |
| Efficiency ratio | 59.8916% | 4,239 |
| Assets per employee ($millions) | 6.5070% | 1,175 |
| Cash dividends to net income (ytd only)* | 100.6060% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1132% | 3,423 |
| Loan loss allowance to noncurrent loans | 752.9412% | 748 |
| Noncurrent assets plus other real estate owned to assets | 0.0261% | 5,118 |
| Noncurrent loans to loans | 0.1478% | 4,462 |
| Net loans and leases to total assets | 17.4744% | 5,653 |
| Net loans and leases to deposits | 20.3193% | 5,656 |
| Net loans and leases to core deposits | 22.2095% | 5,647 |
| Total domestic deposits to total assets | 85.9988% | 2,317 |
| Equity capital to assets | 13.2612% | 1,270 |
| Core capital (leverage) ratio | 13.0775% | 1,181 |
| Tier 1 risk-based capital ratio | 37.7908% | 263 |
| Total risk-based capital ratio | 38.3623% | 275 |
| Memoranda: | ||
| Average total assets | $129,644,500 | 3,789 |
| Average earning assets | $122,256,250 | 3,746 |
| Average equity | $16,911,000 | 3,531 |
| Average total loans | $22,516,250 | 5,298 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4574% | 5,669 |
| Cost of funding earning assets | 0.1837% | 5,110 |
| Net interest margin | 2.2737% | 5,619 |
| Noninterest income to average assets | 0.5036% | 3,004 |
| Noninterest expense to average assets | 1.5987% | 5,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0457% | 2,226 |
| Return on assets (ROA) | 1.0457% | 2,267 |
| Pretax return on assets | 1.0457% | 3,385 |
| Return on Equity (ROE) | 8.0618% | 2,993 |
| Retained earnings to average equity (ytd only) | -1.8100% | 5,329 |
| Net charge-offs to loans | 0.0447% | 2,311 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 135.4000% | 535 |
| Efficiency ratio | 60.4556% | 4,252 |
| Assets per employee ($millions) | 6.1962% | 1,324 |
| Cash dividends to net income (ytd only)* | 122.4520% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 3,104 |
| Loan loss allowance to noncurrent loans | 734.2857% | 751 |
| Noncurrent assets plus other real estate owned to assets | 0.0269% | 5,160 |
| Noncurrent loans to loans | 0.1617% | 4,472 |
| Net loans and leases to total assets | 16.4370% | 5,706 |
| Net loans and leases to deposits | 19.1802% | 5,708 |
| Net loans and leases to core deposits | 21.4933% | 5,697 |
| Total domestic deposits to total assets | 85.6979% | 2,523 |
| Equity capital to assets | 13.3015% | 1,232 |
| Core capital (leverage) ratio | 12.7281% | 1,284 |
| Tier 1 risk-based capital ratio | 36.7293% | 269 |
| Total risk-based capital ratio | 37.2918% | 274 |
| Memoranda: | ||
| Average total assets | $129,479,670 | 3,811 |
| Average earning assets | $121,915,000 | 3,768 |
| Average equity | $16,795,330 | 3,556 |
| Average total loans | $22,356,000 | 5,343 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3960% | 5,743 |
| Cost of funding earning assets | 0.1906% | 5,059 |
| Net interest margin | 2.2054% | 5,703 |
| Noninterest income to average assets | 0.5141% | 2,884 |
| Noninterest expense to average assets | 1.5856% | 5,568 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0065% | 2,276 |
| Return on assets (ROA) | 1.0065% | 2,326 |
| Pretax return on assets | 1.0065% | 3,346 |
| Return on Equity (ROE) | 7.8602% | 2,988 |
| Retained earnings to average equity (ytd only) | -4.3775% | 5,348 |
| Net charge-offs to loans | 0.0704% | 1,624 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 81.2500% | 646 |
| Efficiency ratio | 61.1708% | 4,290 |
| Assets per employee ($millions) | 6.6611% | 1,100 |
| Cash dividends to net income (ytd only)* | 155.6923% | 369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 3,500 |
| Loan loss allowance to noncurrent loans | 697.2973% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.0278% | 5,207 |
| Noncurrent loans to loans | 0.1624% | 4,536 |
| Net loans and leases to total assets | 16.9035% | 5,772 |
| Net loans and leases to deposits | 19.4823% | 5,773 |
| Net loans and leases to core deposits | 22.2379% | 5,759 |
| Total domestic deposits to total assets | 86.7633% | 2,327 |
| Equity capital to assets | 12.5528% | 1,493 |
| Core capital (leverage) ratio | 12.7797% | 1,223 |
| Tier 1 risk-based capital ratio | 36.3159% | 292 |
| Total risk-based capital ratio | 36.8752% | 306 |
| Memoranda: | ||
| Average total assets | $129,159,000 | 3,859 |
| Average earning assets | $121,704,000 | 3,817 |
| Average equity | $16,539,000 | 3,598 |
| Average total loans | $22,711,500 | 5,385 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3686% | 5,797 |
| Cost of funding earning assets | 0.1293% | 5,552 |
| Net interest margin | 2.2392% | 5,733 |
| Noninterest income to average assets | 0.5446% | 2,948 |
| Noninterest expense to average assets | 1.7917% | 5,479 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8451% | 3,086 |
| Return on assets (ROA) | 0.9297% | 2,798 |
| Pretax return on assets | 0.9297% | 3,736 |
| Return on Equity (ROE) | 6.5414% | 3,720 |
| Retained earnings to average equity (ytd only) | 0.5612% | 5,103 |
| Net charge-offs to loans | 0.0668% | 2,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 74.9286% | 752 |
| Efficiency ratio | 67.9499% | 3,241 |
| Assets per employee ($millions) | 6.2549% | 1,293 |
| Cash dividends to net income (ytd only)* | 91.4211% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1569% | 3,391 |
| Loan loss allowance to noncurrent loans | 639.0244% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 5,239 |
| Noncurrent loans to loans | 0.1810% | 4,512 |
| Net loans and leases to total assets | 17.8933% | 5,819 |
| Net loans and leases to deposits | 20.7688% | 5,825 |
| Net loans and leases to core deposits | 22.9921% | 5,814 |
| Total domestic deposits to total assets | 86.1547% | 2,509 |
| Equity capital to assets | 13.0739% | 1,227 |
| Core capital (leverage) ratio | 13.8737% | 850 |
| Tier 1 risk-based capital ratio | 38.6983% | 242 |
| Total risk-based capital ratio | 39.2971% | 248 |
| Memoranda: | ||
| Average total assets | $124,129,600 | 3,925 |
| Average earning assets | $115,977,200 | 3,899 |
| Average equity | $17,641,400 | 3,466 |
| Average total loans | $20,944,400 | 5,491 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3996% | 5,854 |
| Cost of funding earning assets | 0.1304% | 5,611 |
| Net interest margin | 2.2692% | 5,792 |
| Noninterest income to average assets | 0.5499% | 2,917 |
| Noninterest expense to average assets | 1.8037% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8631% | 3,087 |
| Return on assets (ROA) | 0.9761% | 2,669 |
| Pretax return on assets | 0.9761% | 3,716 |
| Return on Equity (ROE) | 6.7322% | 3,705 |
| Retained earnings to average equity (ytd only) | -1.0985% | 5,506 |
| Net charge-offs to loans | 0.0390% | 2,853 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 133.6638% | 511 |
| Efficiency ratio | 67.6352% | 3,293 |
| Assets per employee ($millions) | 6.2419% | 1,268 |
| Cash dividends to net income (ytd only)* | 116.3177% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2438% | 2,996 |
| Loan loss allowance to noncurrent loans | 540.0000% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.0401% | 5,315 |
| Noncurrent loans to loans | 0.2303% | 4,444 |
| Net loans and leases to total assets | 17.1720% | 5,893 |
| Net loans and leases to deposits | 20.2794% | 5,899 |
| Net loans and leases to core deposits | 22.0575% | 5,893 |
| Total domestic deposits to total assets | 84.6768% | 2,955 |
| Equity capital to assets | 14.5157% | 870 |
| Core capital (leverage) ratio | 13.5710% | 976 |
| Tier 1 risk-based capital ratio | 37.7397% | 267 |
| Total risk-based capital ratio | 38.3504% | 280 |
| Memoranda: | ||
| Average total assets | $123,887,750 | 3,951 |
| Average earning assets | $115,573,000 | 3,928 |
| Average equity | $17,963,000 | 3,439 |
| Average total loans | $20,519,000 | 5,559 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4224% | 5,923 |
| Cost of funding earning assets | 0.1302% | 5,689 |
| Net interest margin | 2.2921% | 5,865 |
| Noninterest income to average assets | 0.5422% | 2,944 |
| Noninterest expense to average assets | 1.8143% | 5,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8643% | 3,030 |
| Return on assets (ROA) | 0.9436% | 2,797 |
| Pretax return on assets | 0.9436% | 3,795 |
| Return on Equity (ROE) | 6.5102% | 3,797 |
| Retained earnings to average equity (ytd only) | -2.0435% | 5,550 |
| Net charge-offs to loans | 0.0199% | 3,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 267.0000% | 254 |
| Efficiency ratio | 67.7341% | 3,393 |
| Assets per employee ($millions) | 6.5431% | 1,065 |
| Cash dividends to net income (ytd only)* | 131.3894% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3130% | 2,716 |
| Loan loss allowance to noncurrent loans | 516.9811% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 5,405 |
| Noncurrent loans to loans | 0.2540% | 4,441 |
| Net loans and leases to total assets | 16.5656% | 5,975 |
| Net loans and leases to deposits | 19.5904% | 5,976 |
| Net loans and leases to core deposits | 21.0674% | 5,972 |
| Total domestic deposits to total assets | 84.5598% | 3,073 |
| Equity capital to assets | 14.6407% | 832 |
| Core capital (leverage) ratio | 13.4906% | 984 |
| Tier 1 risk-based capital ratio | 38.8466% | 247 |
| Total risk-based capital ratio | 39.4858% | 256 |
| Memoranda: | ||
| Average total assets | $123,571,330 | 3,986 |
| Average earning assets | $115,176,330 | 3,960 |
| Average equity | $17,910,330 | 3,450 |
| Average total loans | $20,123,000 | 5,631 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4595% | 5,979 |
| Cost of funding earning assets | 0.1324% | 5,739 |
| Net interest margin | 2.3271% | 5,917 |
| Noninterest income to average assets | 0.5552% | 2,772 |
| Noninterest expense to average assets | 1.8572% | 5,579 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8669% | 2,906 |
| Return on assets (ROA) | 1.0260% | 2,294 |
| Pretax return on assets | 1.0260% | 3,385 |
| Return on Equity (ROE) | 7.1151% | 3,395 |
| Retained earnings to average equity (ytd only) | 1.7337% | 4,576 |
| Net charge-offs to loans | -0.0203% | 4,865 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1764% | 3,439 |
| Assets per employee ($millions) | 6.5793% | 1,064 |
| Cash dividends to net income (ytd only)* | 75.6329% | 1,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4298% | 2,288 |
| Loan loss allowance to noncurrent loans | 91.7219% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 4,594 |
| Noncurrent loans to loans | 1.5589% | 1,495 |
| Net loans and leases to total assets | 15.2761% | 6,037 |
| Net loans and leases to deposits | 18.0052% | 6,040 |
| Net loans and leases to core deposits | 20.2743% | 6,031 |
| Total domestic deposits to total assets | 84.8423% | 3,186 |
| Equity capital to assets | 14.3793% | 861 |
| Core capital (leverage) ratio | 13.6978% | 910 |
| Tier 1 risk-based capital ratio | 41.2432% | 220 |
| Total risk-based capital ratio | 41.9187% | 224 |
| Memoranda: | ||
| Average total assets | $123,198,000 | 4,024 |
| Average earning assets | $114,819,000 | 3,993 |
| Average equity | $17,765,000 | 3,465 |
| Average total loans | $19,750,500 | 5,691 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5018% | 5,999 |
| Cost of funding earning assets | 0.1060% | 5,936 |
| Net interest margin | 2.3958% | 5,893 |
| Noninterest income to average assets | 0.5815% | 2,825 |
| Noninterest expense to average assets | 1.7983% | 5,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0083% | 2,318 |
| Return on assets (ROA) | 1.0431% | 2,245 |
| Pretax return on assets | 1.0431% | 3,292 |
| Return on Equity (ROE) | 7.1224% | 3,452 |
| Retained earnings to average equity (ytd only) | 0.5027% | 5,317 |
| Net charge-offs to loans | 0.0200% | 3,868 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 304.7500% | 235 |
| Efficiency ratio | 64.0731% | 4,246 |
| Assets per employee ($millions) | 5.2778% | 2,027 |
| Cash dividends to net income (ytd only)* | 92.9421% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3712% | 2,549 |
| Loan loss allowance to noncurrent loans | 103.3708% | 3,618 |
| Noncurrent assets plus other real estate owned to assets | 0.2200% | 4,710 |
| Noncurrent loans to loans | 1.3265% | 1,777 |
| Net loans and leases to total assets | 16.3539% | 6,092 |
| Net loans and leases to deposits | 19.3111% | 6,100 |
| Net loans and leases to core deposits | 20.8527% | 6,088 |
| Total domestic deposits to total assets | 84.6865% | 3,212 |
| Equity capital to assets | 14.4617% | 780 |
| Core capital (leverage) ratio | 14.2047% | 772 |
| Tier 1 risk-based capital ratio | 41.1292% | 213 |
| Total risk-based capital ratio | 41.8035% | 220 |
| Memoranda: | ||
| Average total assets | $120,894,800 | 4,052 |
| Average earning assets | $112,280,400 | 4,033 |
| Average equity | $17,704,600 | 3,424 |
| Average total loans | $19,957,800 | 5,720 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5242% | 6,080 |
| Cost of funding earning assets | 0.1058% | 6,037 |
| Net interest margin | 2.4185% | 5,967 |
| Noninterest income to average assets | 0.5774% | 2,866 |
| Noninterest expense to average assets | 1.7653% | 5,828 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0587% | 2,180 |
| Return on assets (ROA) | 1.1051% | 2,061 |
| Pretax return on assets | 1.1051% | 3,203 |
| Return on Equity (ROE) | 7.5224% | 3,323 |
| Retained earnings to average equity (ytd only) | -1.2850% | 5,790 |
| Net charge-offs to loans | 0.0536% | 2,838 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 119.8341% | 535 |
| Efficiency ratio | 62.5098% | 4,492 |
| Assets per employee ($millions) | 6.2786% | 1,188 |
| Cash dividends to net income (ytd only)* | 117.0834% | 239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4071% | 2,561 |
| Loan loss allowance to noncurrent loans | 100.3690% | 3,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 4,857 |
| Noncurrent loans to loans | 1.4019% | 1,816 |
| Net loans and leases to total assets | 15.9765% | 6,184 |
| Net loans and leases to deposits | 18.9789% | 6,192 |
| Net loans and leases to core deposits | 19.8279% | 6,186 |
| Total domestic deposits to total assets | 84.1803% | 3,347 |
| Equity capital to assets | 14.9060% | 762 |
| Core capital (leverage) ratio | 13.9275% | 883 |
| Tier 1 risk-based capital ratio | 42.7026% | 216 |
| Total risk-based capital ratio | 43.4033% | 222 |
| Memoranda: | ||
| Average total assets | $120,771,000 | 4,104 |
| Average earning assets | $112,189,500 | 4,080 |
| Average equity | $17,742,000 | 3,445 |
| Average total loans | $19,915,250 | 5,798 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5491% | 6,140 |
| Cost of funding earning assets | 0.1065% | 6,109 |
| Net interest margin | 2.4426% | 6,009 |
| Noninterest income to average assets | 0.5591% | 2,982 |
| Noninterest expense to average assets | 1.7615% | 5,907 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0671% | 2,070 |
| Return on assets (ROA) | 1.1364% | 1,900 |
| Pretax return on assets | 1.1364% | 3,023 |
| Return on Equity (ROE) | 7.7727% | 3,178 |
| Retained earnings to average equity (ytd only) | -2.1773% | 5,849 |
| Net charge-offs to loans | 0.0796% | 2,255 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 80.8750% | 700 |
| Efficiency ratio | 62.2741% | 4,640 |
| Assets per employee ($millions) | 6.0073% | 1,345 |
| Cash dividends to net income (ytd only)* | 128.0116% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 2,930 |
| Loan loss allowance to noncurrent loans | 105.0193% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.2156% | 5,006 |
| Noncurrent loans to loans | 1.2951% | 2,077 |
| Net loans and leases to total assets | 16.4184% | 6,253 |
| Net loans and leases to deposits | 19.3881% | 6,261 |
| Net loans and leases to core deposits | 20.7112% | 6,246 |
| Total domestic deposits to total assets | 84.6828% | 3,255 |
| Equity capital to assets | 14.3850% | 849 |
| Core capital (leverage) ratio | 13.4189% | 1,009 |
| Tier 1 risk-based capital ratio | 41.1760% | 241 |
| Total risk-based capital ratio | 41.8526% | 246 |
| Memoranda: | ||
| Average total assets | $121,263,330 | 4,135 |
| Average earning assets | $112,666,000 | 4,104 |
| Average equity | $17,728,670 | 3,465 |
| Average total loans | $20,110,000 | 5,843 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5710% | 6,194 |
| Cost of funding earning assets | 0.1058% | 6,184 |
| Net interest margin | 2.4652% | 6,057 |
| Noninterest income to average assets | 0.5483% | 2,955 |
| Noninterest expense to average assets | 1.8026% | 5,894 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0409% | 2,070 |
| Return on assets (ROA) | 1.0409% | 2,216 |
| Pretax return on assets | 1.0409% | 3,338 |
| Return on Equity (ROE) | 7.0635% | 3,475 |
| Retained earnings to average equity (ytd only) | 0.8467% | 5,123 |
| Net charge-offs to loans | 0.0992% | 1,733 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 63.4000% | 701 |
| Efficiency ratio | 63.3949% | 4,575 |
| Assets per employee ($millions) | 6.5118% | 1,069 |
| Cash dividends to net income (ytd only)* | 88.0126% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3469% | 3,156 |
| Loan loss allowance to noncurrent loans | 107.4219% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 0.2069% | 5,127 |
| Noncurrent loans to loans | 1.2538% | 2,280 |
| Net loans and leases to total assets | 16.2806% | 6,312 |
| Net loans and leases to deposits | 19.3057% | 6,313 |
| Net loans and leases to core deposits | 21.1949% | 6,300 |
| Total domestic deposits to total assets | 84.3304% | 3,684 |
| Equity capital to assets | 14.7320% | 774 |
| Core capital (leverage) ratio | 13.6849% | 906 |
| Tier 1 risk-based capital ratio | 42.4944% | 226 |
| Total risk-based capital ratio | 43.1906% | 230 |
| Memoranda: | ||
| Average total assets | $121,822,000 | 4,153 |
| Average earning assets | $113,420,500 | 4,109 |
| Average equity | $17,951,500 | 3,452 |
| Average total loans | $20,166,000 | 5,891 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8063% | 6,199 |
| Cost of funding earning assets | 0.1151% | 6,272 |
| Net interest margin | 2.6911% | 5,958 |
| Noninterest income to average assets | 0.6443% | 2,590 |
| Noninterest expense to average assets | 2.0224% | 5,726 |
| Loan and lease loss provision to assets | 0.0034% | 4,534 |
| Net operating income to assets | 1.1114% | 1,938 |
| Return on assets (ROA) | 1.1226% | 1,951 |
| Pretax return on assets | 1.1226% | 2,999 |
| Return on Equity (ROE) | 7.4935% | 3,375 |
| Retained earnings to average equity (ytd only) | 0.7867% | 5,413 |
| Net charge-offs to loans | -0.0102% | 5,566 |
| Credit loss provision to net charge-offs | -200.0000% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4639% | 4,517 |
| Assets per employee ($millions) | 5.9960% | 1,380 |
| Cash dividends to net income (ytd only)* | 89.5019% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 2,921 |
| Loan loss allowance to noncurrent loans | 109.3750% | 3,513 |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 5,173 |
| Noncurrent loans to loans | 1.2855% | 2,304 |
| Net loans and leases to total assets | 16.3726% | 6,407 |
| Net loans and leases to deposits | 19.4240% | 6,409 |
| Net loans and leases to core deposits | 19.9571% | 6,405 |
| Total domestic deposits to total assets | 84.2904% | 3,592 |
| Equity capital to assets | 14.7398% | 750 |
| Core capital (leverage) ratio | 14.3400% | 743 |
| Tier 1 risk-based capital ratio | 37.6100% | 270 |
| Total risk-based capital ratio | 38.2389% | 278 |
| Memoranda: | ||
| Average total assets | $116,246,000 | 4,253 |
| Average earning assets | $107,686,400 | 4,229 |
| Average equity | $17,415,200 | 3,466 |
| Average total loans | $19,563,000 | 5,979 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8496% | 6,248 |
| Cost of funding earning assets | 0.1174% | 6,349 |
| Net interest margin | 2.7322% | 5,969 |
| Noninterest income to average assets | 0.6567% | 2,542 |
| Noninterest expense to average assets | 2.0232% | 5,731 |
| Loan and lease loss provision to assets | 0.0046% | 4,320 |
| Net operating income to assets | 1.1573% | 1,836 |
| Return on assets (ROA) | 1.1573% | 1,900 |
| Pretax return on assets | 1.1573% | 2,962 |
| Return on Equity (ROE) | 7.6924% | 3,366 |
| Retained earnings to average equity (ytd only) | -1.2833% | 6,003 |
| Net charge-offs to loans | -0.0137% | 5,505 |
| Credit loss provision to net charge-offs | -200.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5209% | 4,628 |
| Assets per employee ($millions) | 6.0430% | 1,307 |
| Cash dividends to net income (ytd only)* | 116.6833% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4648% | 2,882 |
| 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 | 16.4044% | 6,492 |
| Net loans and leases to deposits | 19.5937% | 6,492 |
| Net loans and leases to core deposits | 20.7828% | 6,481 |
| Total domestic deposits to total assets | 83.7228% | 3,870 |
| Equity capital to assets | 15.2190% | 690 |
| Core capital (leverage) ratio | 14.1388% | 809 |
| Tier 1 risk-based capital ratio | 39.3797% | 254 |
| Total risk-based capital ratio | 40.0503% | 258 |
| Memoranda: | ||
| Average total assets | $115,327,500 | 4,312 |
| Average earning assets | $106,724,000 | 4,290 |
| Average equity | $17,350,000 | 3,494 |
| Average total loans | $19,475,250 | 6,047 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8642% | 6,285 |
| Cost of funding earning assets | 0.1200% | 6,410 |
| Net interest margin | 2.7442% | 5,998 |
| Noninterest income to average assets | 0.6511% | 2,537 |
| Noninterest expense to average assets | 2.0676% | 5,694 |
| Loan and lease loss provision to assets | 0.0069% | 4,098 |
| Net operating income to assets | 1.1117% | 1,890 |
| Return on assets (ROA) | 1.1117% | 1,961 |
| Pretax return on assets | 1.1117% | 3,052 |
| Return on Equity (ROE) | 7.4182% | 3,408 |
| Retained earnings to average equity (ytd only) | -2.2879% | 6,028 |
| Net charge-offs to loans | -0.0204% | 5,556 |
| Credit loss provision to net charge-offs | -200.0000% | 5,389 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8913% | 4,555 |
| Assets per employee ($millions) | 5.8189% | 1,406 |
| Cash dividends to net income (ytd only)* | 130.8411% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3987% | 3,355 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 16.9603% | 6,549 |
| Net loans and leases to deposits | 20.2304% | 6,551 |
| Net loans and leases to core deposits | 21.4728% | 6,541 |
| Total domestic deposits to total assets | 83.8354% | 3,979 |
| Equity capital to assets | 15.1438% | 672 |
| Core capital (leverage) ratio | 14.0924% | 806 |
| Tier 1 risk-based capital ratio | 37.0926% | 296 |
| Total risk-based capital ratio | 37.7254% | 306 |
| Memoranda: | ||
| Average total assets | $115,497,670 | 4,339 |
| Average earning assets | $106,698,000 | 4,308 |
| Average equity | $17,308,670 | 3,497 |
| Average total loans | $19,595,330 | 6,094 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8975% | 6,327 |
| Cost of funding earning assets | 0.1245% | 6,474 |
| Net interest margin | 2.7730% | 5,988 |
| Noninterest income to average assets | 0.6779% | 2,304 |
| Noninterest expense to average assets | 2.1554% | 5,568 |
| Loan and lease loss provision to assets | 0.0104% | 3,695 |
| Net operating income to assets | 1.0673% | 1,942 |
| Return on assets (ROA) | 1.0673% | 2,010 |
| Pretax return on assets | 1.0673% | 3,046 |
| Return on Equity (ROE) | 7.1599% | 3,382 |
| Retained earnings to average equity (ytd only) | 0.7463% | 5,290 |
| Net charge-offs to loans | 0.1032% | 2,143 |
| Credit loss provision to net charge-offs | 60.0000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 62.0000% | 640 |
| Efficiency ratio | 66.6667% | 4,418 |
| Assets per employee ($millions) | 6.1942% | 1,184 |
| Cash dividends to net income (ytd only)* | 89.5765% | 820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4012% | 3,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 16.2631% | 6,623 |
| Net loans and leases to deposits | 19.2885% | 6,629 |
| Net loans and leases to core deposits | 20.6629% | 6,614 |
| Total domestic deposits to total assets | 84.3147% | 4,158 |
| Equity capital to assets | 14.7166% | 732 |
| Core capital (leverage) ratio | 14.0028% | 819 |
| Tier 1 risk-based capital ratio | 37.6167% | 278 |
| Total risk-based capital ratio | 38.2315% | 284 |
| Memoranda: | ||
| Average total assets | $115,057,500 | 4,389 |
| Average earning assets | $106,021,500 | 4,363 |
| Average equity | $17,151,000 | 3,531 |
| Average total loans | $19,384,000 | 6,160 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8622% | 6,458 |
| Cost of funding earning assets | 0.1252% | 6,620 |
| Net interest margin | 2.7371% | 6,091 |
| Noninterest income to average assets | 0.7115% | 2,474 |
| Noninterest expense to average assets | 2.2329% | 5,546 |
| Loan and lease loss provision to assets | 0.0148% | 4,833 |
| Net operating income to assets | 0.9934% | 2,356 |
| Return on assets (ROA) | 1.0847% | 2,057 |
| Pretax return on assets | 1.0847% | 3,007 |
| Return on Equity (ROE) | 6.9600% | 3,576 |
| Retained earnings to average equity (ytd only) | 0.2065% | 5,752 |
| Net charge-offs to loans | 0.1129% | 3,694 |
| Credit loss provision to net charge-offs | 80.9524% | 3,025 |
| Earnings coverage of net charge-offs (x) | 55.1905% | 737 |
| Efficiency ratio | 68.8943% | 4,037 |
| Assets per employee ($millions) | 5.9171% | 1,327 |
| Cash dividends to net income (ytd only)* | 97.0329% | 478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4156% | 3,574 |
| Loan loss allowance to noncurrent loans | 5,480.0000% | 133 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,428 |
| Noncurrent loans to loans | 0.0258% | 6,179 |
| Net loans and leases to total assets | 16.9731% | 6,703 |
| Net loans and leases to deposits | 20.2427% | 6,701 |
| Net loans and leases to core deposits | 20.9540% | 6,695 |
| Total domestic deposits to total assets | 83.8479% | 4,222 |
| Equity capital to assets | 15.1052% | 656 |
| Core capital (leverage) ratio | 14.6562% | 652 |
| Tier 1 risk-based capital ratio | 38.2939% | 260 |
| Total risk-based capital ratio | 38.9256% | 266 |
| Memoranda: | ||
| Average total assets | $114,961,400 | 4,386 |
| Average earning assets | $106,245,200 | 4,359 |
| Average equity | $17,916,600 | 3,429 |
| Average total loans | $18,593,800 | 6,269 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8281% | 6,553 |
| Cost of funding earning assets | 0.1283% | 6,706 |
| Net interest margin | 2.6997% | 6,176 |
| Noninterest income to average assets | 0.6967% | 2,630 |
| Noninterest expense to average assets | 2.1984% | 5,608 |
| Loan and lease loss provision to assets | 0.0092% | 4,800 |
| Net operating income to assets | 0.9885% | 2,422 |
| Return on assets (ROA) | 1.0808% | 2,163 |
| Pretax return on assets | 1.0808% | 3,190 |
| Return on Equity (ROE) | 6.8831% | 3,720 |
| Retained earnings to average equity (ytd only) | -2.0054% | 6,266 |
| Net charge-offs to loans | 0.0942% | 3,623 |
| Credit loss provision to net charge-offs | 61.5385% | 3,264 |
| Earnings coverage of net charge-offs (x) | 66.5493% | 691 |
| Efficiency ratio | 68.7838% | 3,950 |
| Assets per employee ($millions) | 5.1420% | 2,003 |
| Cash dividends to net income (ytd only)* | 129.1355% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4339% | 3,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 16.5889% | 6,783 |
| Net loans and leases to deposits | 19.8494% | 6,790 |
| Net loans and leases to core deposits | 21.1959% | 6,779 |
| Total domestic deposits to total assets | 83.5738% | 4,356 |
| Equity capital to assets | 15.3301% | 652 |
| Core capital (leverage) ratio | 14.3968% | 763 |
| Tier 1 risk-based capital ratio | 38.2983% | 265 |
| Total risk-based capital ratio | 38.9398% | 271 |
| Memoranda: | ||
| Average total assets | $115,595,500 | 4,419 |
| Average earning assets | $107,020,000 | 4,383 |
| Average equity | $18,150,250 | 3,430 |
| Average total loans | $18,403,250 | 6,341 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8577% | 6,571 |
| Cost of funding earning assets | 0.1299% | 6,756 |
| Net interest margin | 2.7278% | 6,136 |
| Noninterest income to average assets | 0.6751% | 2,766 |
| Noninterest expense to average assets | 2.1457% | 5,758 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0548% | 2,095 |
| Return on assets (ROA) | 1.1922% | 1,721 |
| Pretax return on assets | 1.1922% | 2,711 |
| Return on Equity (ROE) | 7.5354% | 3,334 |
| Retained earnings to average equity (ytd only) | -3.4311% | 6,350 |
| Net charge-offs to loans | 0.0330% | 4,223 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 204.6667% | 255 |
| Efficiency ratio | 67.0424% | 4,353 |
| Assets per employee ($millions) | 5.7099% | 1,409 |
| Cash dividends to net income (ytd only)* | 145.5331% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4921% | 3,626 |
| 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 | 15.8978% | 6,837 |
| Net loans and leases to deposits | 18.8488% | 6,845 |
| Net loans and leases to core deposits | 20.5109% | 6,837 |
| Total domestic deposits to total assets | 84.3439% | 4,178 |
| Equity capital to assets | 14.6395% | 790 |
| Core capital (leverage) ratio | 13.7884% | 884 |
| Tier 1 risk-based capital ratio | 37.4899% | 278 |
| Total risk-based capital ratio | 38.1241% | 283 |
| Memoranda: | ||
| Average total assets | $116,419,330 | 4,434 |
| Average earning assets | $107,779,330 | 4,392 |
| Average equity | $18,419,670 | 3,405 |
| Average total loans | $18,191,330 | 6,389 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9420% | 6,571 |
| Cost of funding earning assets | 0.1326% | 6,836 |
| Net interest margin | 2.8094% | 6,013 |
| Noninterest income to average assets | 0.6739% | 2,729 |
| Noninterest expense to average assets | 2.1441% | 5,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1265% | 1,756 |
| Return on assets (ROA) | 1.1606% | 1,746 |
| Pretax return on assets | 1.1606% | 2,722 |
| Return on Equity (ROE) | 7.0782% | 3,453 |
| Retained earnings to average equity (ytd only) | -0.4567% | 5,870 |
| Net charge-offs to loans | 0.0885% | 2,952 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 82.7500% | 453 |
| Efficiency ratio | 65.5567% | 4,737 |
| Assets per employee ($millions) | 5.1507% | 2,039 |
| Cash dividends to net income (ytd only)* | 106.4516% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 3,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 14.3905% | 6,923 |
| Net loans and leases to deposits | 17.3575% | 6,929 |
| Net loans and leases to core deposits | 19.6498% | 6,909 |
| Total domestic deposits to total assets | 82.9066% | 4,884 |
| Equity capital to assets | 16.1758% | 531 |
| Core capital (leverage) ratio | 13.9504% | 809 |
| Tier 1 risk-based capital ratio | 38.8020% | 256 |
| Total risk-based capital ratio | 39.4444% | 258 |
| Memoranda: | ||
| Average total assets | $117,530,000 | 4,451 |
| Average earning assets | $108,634,500 | 4,407 |
| Average equity | $19,270,500 | 3,340 |
| Average total loans | $18,072,000 | 6,449 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3333% | 6,559 |
| Cost of funding earning assets | 0.1422% | 6,938 |
| Net interest margin | 3.1911% | 5,591 |
| Noninterest income to average assets | 0.8085% | 2,227 |
| Noninterest expense to average assets | 2.0897% | 6,149 |
| Loan and lease loss provision to assets | 0.0139% | 5,735 |
| Net operating income to assets | 1.6438% | 698 |
| Return on assets (ROA) | 1.6438% | 772 |
| Pretax return on assets | 1.6438% | 1,274 |
| Return on Equity (ROE) | 9.8388% | 2,238 |
| Retained earnings to average equity (ytd only) | 1.1682% | 5,286 |
| Net charge-offs to loans | 0.1201% | 4,489 |
| Credit loss provision to net charge-offs | 72.7273% | 4,078 |
| Earnings coverage of net charge-offs (x) | 86.8636% | 445 |
| Efficiency ratio | 55.7639% | 6,079 |
| Assets per employee ($millions) | 4.3183% | 3,313 |
| Cash dividends to net income (ytd only)* | 88.1266% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4770% | 3,840 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 15.9049% | 6,974 |
| Net loans and leases to deposits | 19.3062% | 6,976 |
| Net loans and leases to core deposits | 20.9078% | 6,968 |
| Total domestic deposits to total assets | 82.3823% | 4,972 |
| Equity capital to assets | 16.6202% | 461 |
| Core capital (leverage) ratio | 14.1618% | 760 |
| Tier 1 risk-based capital ratio | 38.3372% | 271 |
| Total risk-based capital ratio | 38.9803% | 276 |
| Memoranda: | ||
| Average total assets | $115,278,200 | 4,459 |
| Average earning assets | $106,171,400 | 4,445 |
| Average equity | $19,260,400 | 3,297 |
| Average total loans | $18,322,400 | 6,497 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3956% | 6,632 |
| Cost of funding earning assets | 0.1436% | 7,048 |
| Net interest margin | 3.2520% | 5,540 |
| Noninterest income to average assets | 0.7783% | 2,341 |
| Noninterest expense to average assets | 2.0507% | 6,266 |
| Loan and lease loss provision to assets | 0.0128% | 5,658 |
| Net operating income to assets | 1.7085% | 673 |
| Return on assets (ROA) | 1.7085% | 748 |
| Pretax return on assets | 1.7085% | 1,245 |
| Return on Equity (ROE) | 10.2124% | 2,246 |
| Retained earnings to average equity (ytd only) | -1.3658% | 6,317 |
| Net charge-offs to loans | 0.1026% | 4,367 |
| Credit loss provision to net charge-offs | 78.5714% | 3,663 |
| Earnings coverage of net charge-offs (x) | 105.9786% | 400 |
| Efficiency ratio | 54.3665% | 6,214 |
| Assets per employee ($millions) | 5.0126% | 2,170 |
| Cash dividends to net income (ytd only)* | 113.3741% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 3,719 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 6,737 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 15.4515% | 7,073 |
| Net loans and leases to deposits | 18.8450% | 7,082 |
| Net loans and leases to core deposits | 20.4556% | 7,075 |
| Total domestic deposits to total assets | 81.9924% | 5,031 |
| Equity capital to assets | 16.9616% | 465 |
| Core capital (leverage) ratio | 13.9971% | 834 |
| Tier 1 risk-based capital ratio | 39.5785% | 254 |
| Total risk-based capital ratio | 40.2671% | 260 |
| Memoranda: | ||
| Average total assets | $114,949,500 | 4,511 |
| Average earning assets | $105,820,500 | 4,489 |
| Average equity | $19,231,000 | 3,329 |
| Average total loans | $18,197,500 | 6,588 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4871% | 6,621 |
| Cost of funding earning assets | 0.1478% | 7,121 |
| Net interest margin | 3.3393% | 5,310 |
| Noninterest income to average assets | 0.7733% | 2,325 |
| Noninterest expense to average assets | 2.0586% | 6,318 |
| Loan and lease loss provision to assets | 0.0070% | 5,569 |
| Net operating income to assets | 1.7764% | 588 |
| Return on assets (ROA) | 1.7764% | 658 |
| Pretax return on assets | 1.7764% | 1,084 |
| Return on Equity (ROE) | 10.6678% | 2,106 |
| Retained earnings to average equity (ytd only) | -2.6983% | 6,428 |
| Net charge-offs to loans | 0.0658% | 4,509 |
| Credit loss provision to net charge-offs | 66.6667% | 3,644 |
| Earnings coverage of net charge-offs (x) | 170.6667% | 267 |
| Efficiency ratio | 53.5811% | 6,353 |
| Assets per employee ($millions) | 4.8139% | 2,419 |
| Cash dividends to net income (ytd only)* | 125.2941% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 3,642 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 6,797 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 15.1212% | 7,140 |
| Net loans and leases to deposits | 18.3478% | 7,148 |
| Net loans and leases to core deposits | 20.0752% | 7,141 |
| Total domestic deposits to total assets | 82.4145% | 4,976 |
| Equity capital to assets | 16.5857% | 498 |
| Core capital (leverage) ratio | 13.7146% | 896 |
| Tier 1 risk-based capital ratio | 39.1655% | 248 |
| Total risk-based capital ratio | 39.8520% | 253 |
| Memoranda: | ||
| Average total assets | $114,836,000 | 4,536 |
| Average earning assets | $105,532,330 | 4,518 |
| Average equity | $19,123,000 | 3,338 |
| Average total loans | $18,231,670 | 6,636 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5113% | 6,681 |
| Cost of funding earning assets | 0.1522% | 7,183 |
| Net interest margin | 3.3591% | 5,268 |
| Noninterest income to average assets | 0.8071% | 2,134 |
| Noninterest expense to average assets | 2.1033% | 6,267 |
| Loan and lease loss provision to assets | 0.0140% | 5,139 |
| Net operating income to assets | 1.7749% | 629 |
| Return on assets (ROA) | 1.7749% | 707 |
| Pretax return on assets | 1.7749% | 1,133 |
| Return on Equity (ROE) | 10.6368% | 2,167 |
| Retained earnings to average equity (ytd only) | 1.8635% | 5,313 |
| Net charge-offs to loans | 0.0866% | 3,646 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 128.0000% | 278 |
| Efficiency ratio | 54.0395% | 6,343 |
| Assets per employee ($millions) | 4.3707% | 3,254 |
| Cash dividends to net income (ytd only)* | 82.4803% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5032% | 4,139 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 6,880 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 15.7693% | 7,193 |
| Net loans and leases to deposits | 19.0997% | 7,199 |
| Net loans and leases to core deposits | 21.5155% | 7,184 |
| Total domestic deposits to total assets | 82.5630% | 5,097 |
| Equity capital to assets | 16.1498% | 552 |
| Core capital (leverage) ratio | 14.1443% | 768 |
| Tier 1 risk-based capital ratio | 39.0831% | 247 |
| Total risk-based capital ratio | 39.7584% | 252 |
| Memoranda: | ||
| Average total assets | $114,487,500 | 4,582 |
| Average earning assets | $105,146,500 | 4,566 |
| Average equity | $19,103,500 | 3,335 |
| Average total loans | $18,471,500 | 6,688 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9123% | 6,597 |
| Cost of funding earning assets | 0.1957% | 7,241 |
| Net interest margin | 3.7166% | 4,222 |
| Noninterest income to average assets | 0.8905% | 1,708 |
| Noninterest expense to average assets | 2.3053% | 6,025 |
| Loan and lease loss provision to assets | 0.0045% | 6,461 |
| Net operating income to assets | 1.9906% | 313 |
| Return on assets (ROA) | 1.9906% | 332 |
| Pretax return on assets | 1.9906% | 542 |
| Return on Equity (ROE) | 11.9668% | 1,412 |
| Retained earnings to average equity (ytd only) | 1.6247% | 5,054 |
| Net charge-offs to loans | 0.0049% | 6,371 |
| Credit loss provision to net charge-offs | 500.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 2,200.0000% | 5 |
| Efficiency ratio | 53.6061% | 6,552 |
| Assets per employee ($millions) | 4.6236% | 2,722 |
| Cash dividends to net income (ytd only)* | 86.4237% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5734% | 3,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 6,938 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 16.0102% | 7,251 |
| Net loans and leases to deposits | 19.5812% | 7,256 |
| Net loans and leases to core deposits | 21.2030% | 7,242 |
| Total domestic deposits to total assets | 81.7630% | 5,204 |
| Equity capital to assets | 17.2565% | 418 |
| Core capital (leverage) ratio | 14.6438% | 677 |
| Tier 1 risk-based capital ratio | 39.3704% | 243 |
| Total risk-based capital ratio | 40.0544% | 245 |
| Memoranda: | ||
| Average total assets | $110,269,600 | 4,637 |
| Average earning assets | $101,167,600 | 4,606 |
| Average equity | $18,342,400 | 3,379 |
| Average total loans | $20,550,600 | 6,634 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 6,592 |
| Cost of funding earning assets | 0.2086% | 7,322 |
| Net interest margin | 3.7897% | 3,926 |
| Noninterest income to average assets | 0.8865% | 1,697 |
| Noninterest expense to average assets | 2.3179% | 5,982 |
| Loan and lease loss provision to assets | 0.0073% | 6,335 |
| Net operating income to assets | 2.0382% | 320 |
| Return on assets (ROA) | 2.0382% | 343 |
| Pretax return on assets | 2.0382% | 583 |
| Return on Equity (ROE) | 12.3696% | 1,448 |
| Retained earnings to average equity (ytd only) | -1.5729% | 6,238 |
| Net charge-offs to loans | 0.0189% | 5,891 |
| Credit loss provision to net charge-offs | 200.0000% | 1,454 |
| Earnings coverage of net charge-offs (x) | 562.9850% | 64 |
| Efficiency ratio | 53.1224% | 6,582 |
| Assets per employee ($millions) | 4.6843% | 2,641 |
| Cash dividends to net income (ytd only)* | 112.7156% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4515% | 4,325 |
| Loan loss allowance to noncurrent loans | 28,300.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 7,024 |
| Noncurrent loans to loans | 0.0051% | 6,958 |
| Net loans and leases to total assets | 17.0908% | 7,317 |
| Net loans and leases to deposits | 20.8248% | 7,322 |
| Net loans and leases to core deposits | 21.9175% | 7,313 |
| Total domestic deposits to total assets | 82.0695% | 5,068 |
| Equity capital to assets | 16.9298% | 489 |
| Core capital (leverage) ratio | 14.3341% | 807 |
| Tier 1 risk-based capital ratio | 35.9698% | 319 |
| Total risk-based capital ratio | 36.6127% | 330 |
| Memoranda: | ||
| Average total assets | $110,095,250 | 4,671 |
| Average earning assets | $101,007,250 | 4,643 |
| Average equity | $18,140,750 | 3,411 |
| Average total loans | $21,175,750 | 6,670 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0587% | 6,556 |
| Cost of funding earning assets | 0.2229% | 7,395 |
| Net interest margin | 3.8358% | 3,616 |
| Noninterest income to average assets | 0.8763% | 1,730 |
| Noninterest expense to average assets | 2.3509% | 5,993 |
| Loan and lease loss provision to assets | 0.0073% | 6,166 |
| Net operating income to assets | 2.0436% | 322 |
| Return on assets (ROA) | 2.0436% | 334 |
| Pretax return on assets | 2.0436% | 544 |
| Return on Equity (ROE) | 12.5201% | 1,335 |
| Retained earnings to average equity (ytd only) | -3.6652% | 6,440 |
| Net charge-offs to loans | 0.0552% | 5,098 |
| Credit loss provision to net charge-offs | 66.6667% | 4,148 |
| Earnings coverage of net charge-offs (x) | 186.8333% | 200 |
| Efficiency ratio | 53.4081% | 6,676 |
| Assets per employee ($millions) | 4.5322% | 2,780 |
| Cash dividends to net income (ytd only)* | 129.2748% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 5,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0165% | 7,076 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 19.4489% | 7,375 |
| Net loans and leases to deposits | 23.8213% | 7,377 |
| Net loans and leases to core deposits | 25.7373% | 7,365 |
| Total domestic deposits to total assets | 81.6451% | 5,301 |
| Equity capital to assets | 16.8159% | 503 |
| Core capital (leverage) ratio | 14.1808% | 828 |
| Tier 1 risk-based capital ratio | 34.8263% | 352 |
| Total risk-based capital ratio | 35.4421% | 369 |
| Memoranda: | ||
| Average total assets | $109,319,330 | 4,716 |
| Average earning assets | $100,475,330 | 4,698 |
| Average equity | $17,843,330 | 3,443 |
| Average total loans | $21,735,330 | 6,701 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 6,626 |
| Cost of funding earning assets | 0.2427% | 7,450 |
| Net interest margin | 3.7909% | 3,660 |
| Noninterest income to average assets | 0.8541% | 1,837 |
| Noninterest expense to average assets | 2.3870% | 5,920 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.9454% | 378 |
| Return on assets (ROA) | 1.9454% | 397 |
| Pretax return on assets | 1.9454% | 616 |
| Return on Equity (ROE) | 12.1002% | 1,431 |
| Retained earnings to average equity (ytd only) | -0.6130% | 5,911 |
| Net charge-offs to loans | 0.0183% | 4,823 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 533.0000% | 44 |
| Efficiency ratio | 55.0969% | 6,596 |
| Assets per employee ($millions) | 4.2938% | 3,258 |
| Cash dividends to net income (ytd only)* | 105.0657% | 553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 5,248 |
| Loan loss allowance to noncurrent loans | 173.2919% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 0.1603% | 6,761 |
| Noncurrent loans to loans | 0.7372% | 5,538 |
| Net loans and leases to total assets | 19.3122% | 7,429 |
| Net loans and leases to deposits | 23.1958% | 7,440 |
| Net loans and leases to core deposits | 25.9484% | 7,416 |
| Total domestic deposits to total assets | 83.2576% | 4,813 |
| Equity capital to assets | 15.8493% | 600 |
| Core capital (leverage) ratio | 14.4303% | 752 |
| Tier 1 risk-based capital ratio | 34.3739% | 368 |
| Total risk-based capital ratio | 34.9725% | 373 |
| Memoranda: | ||
| Average total assets | $109,593,000 | 4,743 |
| Average earning assets | $100,555,500 | 4,728 |
| Average equity | $17,619,500 | 3,471 |
| Average total loans | $21,886,500 | 6,746 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 6,850 |
| Cost of funding earning assets | 0.3517% | 7,470 |
| Net interest margin | 3.9067% | 3,456 |
| Noninterest income to average assets | 1.1292% | 1,158 |
| Noninterest expense to average assets | 2.4338% | 6,001 |
| Loan and lease loss provision to assets | 0.0466% | 6,699 |
| Net operating income to assets | 2.2221% | 187 |
| Return on assets (ROA) | 2.2258% | 191 |
| Pretax return on assets | 2.2258% | 303 |
| Return on Equity (ROE) | 13.6938% | 946 |
| Retained earnings to average equity (ytd only) | 3.1553% | 3,655 |
| Net charge-offs to loans | 0.3825% | 4,131 |
| Credit loss provision to net charge-offs | 58.8235% | 6,101 |
| Earnings coverage of net charge-offs (x) | 28.6235% | 757 |
| Efficiency ratio | 51.7549% | 7,003 |
| Assets per employee ($millions) | 4.1364% | 3,500 |
| Cash dividends to net income (ytd only)* | 76.9585% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2766% | 5,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 7,205 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 20.1345% | 7,518 |
| Net loans and leases to deposits | 24.3457% | 7,530 |
| Net loans and leases to core deposits | 26.5420% | 7,508 |
| Total domestic deposits to total assets | 82.7024% | 4,928 |
| Equity capital to assets | 16.3138% | 539 |
| Core capital (leverage) ratio | 14.9367% | 676 |
| Tier 1 risk-based capital ratio | 34.1200% | 368 |
| Total risk-based capital ratio | 34.7153% | 378 |
| Memoranda: | ||
| Average total assets | $107,240,000 | 4,796 |
| Average earning assets | $98,088,200 | 4,771 |
| Average equity | $17,431,200 | 3,513 |
| Average total loans | $22,220,000 | 6,809 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 7,011 |
| Cost of funding earning assets | 0.3729% | 7,593 |
| Net interest margin | 3.8938% | 3,555 |
| Noninterest income to average assets | 1.0476% | 1,313 |
| Noninterest expense to average assets | 2.4150% | 5,985 |
| Loan and lease loss provision to assets | 0.0585% | 6,482 |
| Net operating income to assets | 2.1338% | 272 |
| Return on assets (ROA) | 2.1387% | 286 |
| Pretax return on assets | 2.1387% | 465 |
| Return on Equity (ROE) | 13.1700% | 1,213 |
| Retained earnings to average equity (ytd only) | -0.9041% | 5,996 |
| Net charge-offs to loans | 0.4665% | 3,421 |
| Credit loss provision to net charge-offs | 60.2564% | 5,684 |
| Earnings coverage of net charge-offs (x) | 22.5891% | 1,088 |
| Efficiency ratio | 52.4170% | 6,944 |
| Assets per employee ($millions) | 4.4192% | 3,047 |
| Cash dividends to net income (ytd only)* | 106.8645% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2741% | 5,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 7,322 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 20.7496% | 7,616 |
| Net loans and leases to deposits | 25.2957% | 7,624 |
| Net loans and leases to core deposits | 26.7758% | 7,613 |
| Total domestic deposits to total assets | 82.0281% | 4,979 |
| Equity capital to assets | 16.8782% | 529 |
| Core capital (leverage) ratio | 14.3480% | 845 |
| Tier 1 risk-based capital ratio | 33.6079% | 388 |
| Total risk-based capital ratio | 34.2285% | 398 |
| Memoranda: | ||
| Average total assets | $107,163,250 | 4,859 |
| Average earning assets | $97,964,750 | 4,838 |
| Average equity | $17,402,750 | 3,575 |
| Average total loans | $22,291,500 | 6,895 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 7,094 |
| Cost of funding earning assets | 0.3790% | 7,671 |
| Net interest margin | 3.8900% | 3,492 |
| Noninterest income to average assets | 1.0360% | 1,263 |
| Noninterest expense to average assets | 2.4402% | 5,944 |
| Loan and lease loss provision to assets | 0.0539% | 6,418 |
| Net operating income to assets | 2.0924% | 283 |
| Return on assets (ROA) | 2.0999% | 302 |
| Pretax return on assets | 2.0999% | 490 |
| Return on Equity (ROE) | 13.1000% | 1,213 |
| Retained earnings to average equity (ytd only) | -3.3185% | 6,341 |
| Net charge-offs to loans | 0.4845% | 3,087 |
| Credit loss provision to net charge-offs | 53.7037% | 5,344 |
| Earnings coverage of net charge-offs (x) | 21.3704% | 1,174 |
| Efficiency ratio | 53.2036% | 6,961 |
| Assets per employee ($millions) | 3.9470% | 3,869 |
| Cash dividends to net income (ytd only)* | 125.3322% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2481% | 5,198 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 7,351 |
| Noncurrent loans to loans | 0.0215% | 7,269 |
| Net loans and leases to total assets | 21.5307% | 7,673 |
| Net loans and leases to deposits | 26.0573% | 7,689 |
| Net loans and leases to core deposits | 28.0604% | 7,676 |
| Total domestic deposits to total assets | 82.6282% | 4,727 |
| Equity capital to assets | 16.3678% | 615 |
| Core capital (leverage) ratio | 14.0621% | 915 |
| Tier 1 risk-based capital ratio | 32.2124% | 418 |
| Total risk-based capital ratio | 32.8265% | 428 |
| Memoranda: | ||
| Average total assets | $107,531,000 | 4,876 |
| Average earning assets | $98,148,330 | 4,869 |
| Average equity | $17,236,670 | 3,597 |
| Average total loans | $22,291,670 | 6,950 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 7,243 |
| Cost of funding earning assets | 0.3727% | 7,786 |
| Net interest margin | 3.8409% | 3,619 |
| Noninterest income to average assets | 1.0295% | 1,209 |
| Noninterest expense to average assets | 2.5368% | 5,591 |
| Loan and lease loss provision to assets | 0.0037% | 6,541 |
| Net operating income to assets | 1.9998% | 347 |
| Return on assets (ROA) | 1.9998% | 378 |
| Pretax return on assets | 1.9998% | 604 |
| Return on Equity (ROE) | 12.6069% | 1,350 |
| Retained earnings to average equity (ytd only) | 1.2607% | 5,308 |
| Net charge-offs to loans | 0.2383% | 3,510 |
| Credit loss provision to net charge-offs | 7.6923% | 5,072 |
| Earnings coverage of net charge-offs (x) | 41.6154% | 666 |
| Efficiency ratio | 55.8728% | 6,784 |
| Assets per employee ($millions) | 4.5016% | 2,953 |
| Cash dividends to net income (ytd only)* | 90.0000% | 694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4056% | 4,395 |
| Loan loss allowance to noncurrent loans | 977.4194% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 7,223 |
| Noncurrent loans to loans | 0.1438% | 7,045 |
| Net loans and leases to total assets | 19.6718% | 7,791 |
| Net loans and leases to deposits | 23.6884% | 7,806 |
| Net loans and leases to core deposits | 26.3175% | 7,783 |
| Total domestic deposits to total assets | 83.0439% | 4,602 |
| Equity capital to assets | 16.0083% | 667 |
| Core capital (leverage) ratio | 14.2868% | 900 |
| Tier 1 risk-based capital ratio | 33.3691% | 397 |
| Total risk-based capital ratio | 34.0192% | 407 |
| Memoranda: | ||
| Average total assets | $108,012,000 | 4,926 |
| Average earning assets | $98,726,500 | 4,912 |
| Average equity | $17,133,500 | 3,631 |
| Average total loans | $21,820,000 | 7,057 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6681% | 7,188 |
| Cost of funding earning assets | 0.3792% | 7,880 |
| Net interest margin | 4.2889% | 1,750 |
| Noninterest income to average assets | 1.0510% | 1,406 |
| Noninterest expense to average assets | 2.4589% | 6,278 |
| Loan and lease loss provision to assets | 0.1029% | 6,607 |
| Net operating income to assets | 2.4192% | 100 |
| Return on assets (ROA) | 2.4192% | 112 |
| Pretax return on assets | 2.4192% | 180 |
| Return on Equity (ROE) | 15.6092% | 591 |
| Retained earnings to average equity (ytd only) | 3.0341% | 3,043 |
| Net charge-offs to loans | 0.2190% | 5,251 |
| Credit loss provision to net charge-offs | 218.0000% | 1,742 |
| Earnings coverage of net charge-offs (x) | 53.4200% | 489 |
| Efficiency ratio | 49.3649% | 7,571 |
| Assets per employee ($millions) | 4.3194% | 3,241 |
| Cash dividends to net income (ytd only)* | 80.5621% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4264% | 4,094 |
| Loan loss allowance to noncurrent loans | 271.5517% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 7,222 |
| Noncurrent loans to loans | 0.5253% | 6,205 |
| Net loans and leases to total assets | 20.1591% | 7,867 |
| Net loans and leases to deposits | 24.2071% | 7,879 |
| Net loans and leases to core deposits | 30.2079% | 7,862 |
| Total domestic deposits to total assets | 83.2775% | 4,394 |
| Equity capital to assets | 15.7169% | 738 |
| Core capital (leverage) ratio | 14.5724% | 867 |
| Tier 1 risk-based capital ratio | 32.6852% | 424 |
| Total risk-based capital ratio | 33.3495% | 432 |
| Memoranda: | ||
| Average total assets | $105,901,600 | 4,929 |
| Average earning assets | $97,041,800 | 4,924 |
| Average equity | $16,413,400 | 3,800 |
| Average total loans | $22,832,200 | 7,034 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7542% | 7,197 |
| Cost of funding earning assets | 0.3787% | 7,976 |
| Net interest margin | 4.3755% | 1,508 |
| Noninterest income to average assets | 1.0274% | 1,501 |
| Noninterest expense to average assets | 2.4495% | 6,252 |
| Loan and lease loss provision to assets | 0.1063% | 6,313 |
| Net operating income to assets | 2.4773% | 105 |
| Return on assets (ROA) | 2.4773% | 117 |
| Pretax return on assets | 2.4773% | 200 |
| Return on Equity (ROE) | 16.0418% | 650 |
| Retained earnings to average equity (ytd only) | -0.8685% | 5,457 |
| Net charge-offs to loans | 0.2375% | 4,564 |
| Credit loss provision to net charge-offs | 204.8780% | 2,168 |
| Earnings coverage of net charge-offs (x) | 49.8006% | 640 |
| Efficiency ratio | 48.6677% | 7,636 |
| Assets per employee ($millions) | 4.4218% | 2,987 |
| Cash dividends to net income (ytd only)* | 105.4137% | 508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2596% | 4,762 |
| Loan loss allowance to noncurrent loans | 1,359.0909% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0207% | 7,539 |
| Noncurrent loans to loans | 0.0927% | 7,252 |
| Net loans and leases to total assets | 22.0868% | 7,933 |
| Net loans and leases to deposits | 26.5953% | 7,942 |
| Net loans and leases to core deposits | 33.2685% | 7,928 |
| Total domestic deposits to total assets | 83.0478% | 4,197 |
| Equity capital to assets | 15.9138% | 803 |
| Core capital (leverage) ratio | 14.0164% | 1,085 |
| Tier 1 risk-based capital ratio | 30.9954% | 516 |
| Total risk-based capital ratio | 31.6177% | 534 |
| Memoranda: | ||
| Average total assets | $105,380,500 | 4,978 |
| Average earning assets | $96,474,000 | 4,969 |
| Average equity | $16,273,750 | 3,859 |
| Average total loans | $23,019,250 | 7,087 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7890% | 7,248 |
| Cost of funding earning assets | 0.3737% | 8,080 |
| Net interest margin | 4.4153% | 1,378 |
| Noninterest income to average assets | 0.9949% | 1,608 |
| Noninterest expense to average assets | 2.4673% | 6,235 |
| Loan and lease loss provision to assets | 0.1141% | 6,004 |
| Net operating income to assets | 2.4597% | 117 |
| Return on assets (ROA) | 2.4597% | 130 |
| Pretax return on assets | 2.4597% | 231 |
| Return on Equity (ROE) | 16.0931% | 681 |
| Retained earnings to average equity (ytd only) | -2.4395% | 5,848 |
| Net charge-offs to loans | 0.2810% | 3,790 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 42.2813% | 782 |
| Efficiency ratio | 48.9434% | 7,717 |
| Assets per employee ($millions) | 4.2283% | 3,237 |
| Cash dividends to net income (ytd only)* | 115.1585% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1723% | 5,130 |
| Loan loss allowance to noncurrent loans | 1,183.3333% | 306 |
| Noncurrent assets plus other real estate owned to assets | 0.0227% | 7,572 |
| Noncurrent loans to loans | 0.0991% | 7,279 |
| Net loans and leases to total assets | 22.6494% | 8,010 |
| Net loans and leases to deposits | 26.9232% | 8,022 |
| Net loans and leases to core deposits | 31.6559% | 8,021 |
| Total domestic deposits to total assets | 84.1259% | 3,697 |
| Equity capital to assets | 14.9035% | 1,054 |
| Core capital (leverage) ratio | 13.8151% | 1,189 |
| Tier 1 risk-based capital ratio | 30.8359% | 551 |
| Total risk-based capital ratio | 31.4274% | 578 |
| Memoranda: | ||
| Average total assets | $105,133,330 | 5,010 |
| Average earning assets | $96,346,000 | 4,997 |
| Average equity | $16,069,000 | 3,907 |
| Average total loans | $22,779,670 | 7,157 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7068% | 7,500 |
| Cost of funding earning assets | 0.3784% | 8,142 |
| Net interest margin | 4.3284% | 1,519 |
| Noninterest income to average assets | 0.9538% | 1,624 |
| Noninterest expense to average assets | 2.3539% | 6,358 |
| Loan and lease loss provision to assets | 0.2098% | 4,342 |
| Net operating income to assets | 2.3615% | 169 |
| Return on assets (ROA) | 2.3615% | 202 |
| Pretax return on assets | 2.3615% | 326 |
| Return on Equity (ROE) | 15.2590% | 928 |
| Retained earnings to average equity (ytd only) | 3.5251% | 3,932 |
| Net charge-offs to loans | 0.0363% | 5,003 |
| Credit loss provision to net charge-offs | 2,750.0000% | 247 |
| Earnings coverage of net charge-offs (x) | 337.0000% | 117 |
| Efficiency ratio | 47.7924% | 7,738 |
| Assets per employee ($millions) | 4.4549% | 2,796 |
| Cash dividends to net income (ytd only)* | 76.8982% | 1,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3686% | 3,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 20.8272% | 8,074 |
| Net loans and leases to deposits | 24.8652% | 8,091 |
| Net loans and leases to core deposits | 29.5347% | 8,092 |
| Total domestic deposits to total assets | 83.7605% | 3,821 |
| Equity capital to assets | 15.3632% | 994 |
| Core capital (leverage) ratio | 14.3370% | 1,123 |
| Tier 1 risk-based capital ratio | 31.7257% | 542 |
| Total risk-based capital ratio | 32.3731% | 564 |
| Memoranda: | ||
| Average total assets | $104,846,500 | 5,047 |
| Average earning assets | $96,202,000 | 5,018 |
| Average equity | $16,226,500 | 3,901 |
| Average total loans | $22,056,500 | 7,246 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2172% | 7,670 |
| Cost of funding earning assets | 0.7860% | 8,124 |
| Net interest margin | 4.4312% | 1,592 |
| Noninterest income to average assets | 1.1982% | 1,046 |
| Noninterest expense to average assets | 2.6968% | 5,278 |
| Loan and lease loss provision to assets | 0.0715% | 6,501 |
| Net operating income to assets | 2.4586% | 138 |
| Return on assets (ROA) | 2.5125% | 125 |
| Pretax return on assets | 2.5125% | 191 |
| Return on Equity (ROE) | 16.1776% | 746 |
| Retained earnings to average equity (ytd only) | 1.3137% | 4,430 |
| Net charge-offs to loans | 0.5542% | 2,163 |
| Credit loss provision to net charge-offs | 53.0769% | 6,317 |
| Earnings coverage of net charge-offs (x) | 18.7923% | 1,678 |
| Efficiency ratio | 51.5950% | 7,533 |
| Assets per employee ($millions) | 4.1110% | 3,290 |
| Cash dividends to net income (ytd only)* | 91.8796% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 4,634 |
| Loan loss allowance to noncurrent loans | 426.6667% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.0584% | 7,335 |
| Noncurrent loans to loans | 0.2786% | 6,536 |
| Net loans and leases to total assets | 20.7054% | 8,146 |
| Net loans and leases to deposits | 24.8296% | 8,166 |
| Net loans and leases to core deposits | 29.6883% | 8,153 |
| Total domestic deposits to total assets | 83.3899% | 3,619 |
| Equity capital to assets | 15.5943% | 1,026 |
| Core capital (leverage) ratio | 15.0710% | 1,016 |
| Tier 1 risk-based capital ratio | 33.7488% | 484 |
| Total risk-based capital ratio | 34.3248% | 496 |
| Memoranda: | ||
| Average total assets | $96,558,400 | 5,149 |
| Average earning assets | $87,785,800 | 5,157 |
| Average equity | $14,996,000 | 4,145 |
| Average total loans | $23,457,600 | 7,110 |