Home > First National Bank of Fort Stockton > Performance and Condition Ratios
First National Bank of Fort Stockton, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9217% | 2,231 |
| Cost of funding earning assets | 0.4242% | 4,270 |
| Net interest margin | 4.4975% | 619 |
| Noninterest income to average assets | 0.6400% | 1,394 |
| Noninterest expense to average assets | 3.6209% | 495 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 1.3063% | 1,425 |
| Return on assets (ROA) | 1.3098% | 1,384 |
| Pretax return on assets | 1.3098% | 1,845 |
| Return on Equity (ROE) | 16.4100% | 1,036 |
| Retained earnings to average equity (ytd only) | 5.3743% | 2,457 |
| Net charge-offs to loans | 0.0116% | 2,214 |
| Credit loss provision to net charge-offs | 150.0000% | 1,474 |
| Earnings coverage of net charge-offs (x) | 185.7000% | 616 |
| Efficiency ratio | 72.6411% | 1,601 |
| Assets per employee ($millions) | 5.6754% | 3,097 |
| Cash dividends to net income (ytd only)* | 67.2442% | 928 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5017% | 192 |
| Loan loss allowance to noncurrent loans | 291.1726% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 0.5349% | 1,044 |
| Noncurrent loans to loans | 0.8592% | 890 |
| Net loans and leases to total assets | 60.7000% | 2,785 |
| Net loans and leases to deposits | 72.5132% | 2,727 |
| Net loans and leases to core deposits | 75.1995% | 3,018 |
| Total domestic deposits to total assets | 83.7100% | 2,699 |
| Equity capital to assets | 8.9269% | 2,722 |
| Core capital (leverage) ratio | 13.3040% | 964 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $141,013,600 | 3,451 |
| Average earning assets | $134,608,400 | 3,395 |
| Average equity | $11,257,200 | 3,594 |
| Average total loans | $86,197,400 | 3,345 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 2,115 |
| Cost of funding earning assets | 0.4006% | 4,254 |
| Net interest margin | 4.4737% | 641 |
| Noninterest income to average assets | 0.6500% | 1,345 |
| Noninterest expense to average assets | 3.6307% | 480 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 1.2737% | 1,599 |
| Return on assets (ROA) | 1.2784% | 1,578 |
| Pretax return on assets | 1.2784% | 2,099 |
| Return on Equity (ROE) | 16.5100% | 1,164 |
| Retained earnings to average equity (ytd only) | 5.0740% | 2,906 |
| Net charge-offs to loans | 0.0109% | 1,999 |
| Credit loss provision to net charge-offs | 214.2857% | 1,075 |
| Earnings coverage of net charge-offs (x) | 194.2857% | 613 |
| Efficiency ratio | 73.1228% | 1,440 |
| Assets per employee ($millions) | 5.5220% | 3,167 |
| Cash dividends to net income (ytd only)* | 69.2593% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6386% | 170 |
| Loan loss allowance to noncurrent loans | 835.0943% | 1,005 |
| Noncurrent assets plus other real estate owned to assets | 0.1920% | 2,318 |
| Noncurrent loans to loans | 0.3160% | 2,101 |
| Net loans and leases to total assets | 59.1500% | 2,921 |
| Net loans and leases to deposits | 66.3875% | 3,099 |
| Net loans and leases to core deposits | 70.1258% | 3,204 |
| Total domestic deposits to total assets | 89.1000% | 1,211 |
| Equity capital to assets | 7.3842% | 3,424 |
| Core capital (leverage) ratio | 12.5729% | 1,211 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $140,795,750 | 3,458 |
| Average earning assets | $134,471,250 | 3,406 |
| Average equity | $10,905,000 | 3,623 |
| Average total loans | $85,662,000 | 3,348 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7532% | 2,096 |
| Cost of funding earning assets | 0.3061% | 4,304 |
| Net interest margin | 4.4471% | 658 |
| Noninterest income to average assets | 0.6500% | 1,264 |
| Noninterest expense to average assets | 3.6059% | 473 |
| Loan and lease loss provision to assets | 0.0200% | 2,476 |
| Net operating income to assets | 1.2674% | 1,647 |
| Return on assets (ROA) | 1.2744% | 1,622 |
| Pretax return on assets | 1.2744% | 2,149 |
| Return on Equity (ROE) | 16.2100% | 1,228 |
| Retained earnings to average equity (ytd only) | 4.9901% | 2,942 |
| Net charge-offs to loans | 0.0162% | 1,599 |
| Credit loss provision to net charge-offs | 214.2857% | 1,018 |
| Earnings coverage of net charge-offs (x) | 130.4286% | 807 |
| Efficiency ratio | 72.9815% | 1,458 |
| Assets per employee ($millions) | 5.4324% | 3,203 |
| Cash dividends to net income (ytd only)* | 69.2137% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5277% | 215 |
| Loan loss allowance to noncurrent loans | 698.1073% | 1,230 |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 2,065 |
| Noncurrent loans to loans | 0.3621% | 1,841 |
| Net loans and leases to total assets | 60.4200% | 2,735 |
| Net loans and leases to deposits | 69.4793% | 2,830 |
| Net loans and leases to core deposits | 73.2251% | 2,949 |
| Total domestic deposits to total assets | 86.9600% | 1,941 |
| Equity capital to assets | 7.8369% | 3,324 |
| Core capital (leverage) ratio | 12.4228% | 1,198 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $141,710,667 | 3,462 |
| Average earning assets | $135,234,667 | 3,409 |
| Average equity | $11,142,000 | 3,622 |
| Average total loans | $86,259,000 | 3,346 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6561% | 1,953 |
| Cost of funding earning assets | 0.1918% | 4,394 |
| Net interest margin | 4.4643% | 615 |
| Noninterest income to average assets | 0.6300% | 1,320 |
| Noninterest expense to average assets | 3.6211% | 473 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 1.2343% | 1,836 |
| Return on assets (ROA) | 1.2484% | 1,774 |
| Pretax return on assets | 1.2484% | 2,306 |
| Return on Equity (ROE) | 15.8500% | 1,390 |
| Retained earnings to average equity (ytd only) | 4.3655% | 3,164 |
| Net charge-offs to loans | 0.0187% | 1,305 |
| Credit loss provision to net charge-offs | 375.0000% | 620 |
| Earnings coverage of net charge-offs (x) | 113.2500% | 727 |
| Efficiency ratio | 73.2451% | 1,413 |
| Assets per employee ($millions) | 5.3954% | 3,325 |
| Cash dividends to net income (ytd only)* | 72.4605% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6482% | 192 |
| 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 | 58.0700% | 2,866 |
| Net loans and leases to deposits | 63.1896% | 3,152 |
| Net loans and leases to core deposits | 68.2953% | 3,070 |
| Total domestic deposits to total assets | 91.9000% | 539 |
| Equity capital to assets | 7.9498% | 3,272 |
| Core capital (leverage) ratio | 12.1534% | 1,258 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $141,945,000 | 3,505 |
| Average earning assets | $135,565,000 | 3,451 |
| Average equity | $11,178,500 | 3,657 |
| Average total loans | $85,613,000 | 3,393 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 1,431 |
| Cost of funding earning assets | 0.1178% | 4,295 |
| Net interest margin | 4.0002% | 785 |
| Noninterest income to average assets | 0.6200% | 1,571 |
| Noninterest expense to average assets | 3.1185% | 815 |
| Loan and lease loss provision to assets | 0.0900% | 1,322 |
| Net operating income to assets | 1.2369% | 1,639 |
| Return on assets (ROA) | 1.2301% | 1,614 |
| Pretax return on assets | 1.2301% | 2,339 |
| Return on Equity (ROE) | 15.0400% | 1,248 |
| Retained earnings to average equity (ytd only) | 6.7389% | 2,348 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.3651% | 1,777 |
| Assets per employee ($millions) | 5.5235% | 3,191 |
| Cash dividends to net income (ytd only)* | 55.1955% | 1,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2994% | 267 |
| 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 | 59.5600% | 2,684 |
| Net loans and leases to deposits | 65.1194% | 2,949 |
| Net loans and leases to core deposits | 70.4080% | 2,847 |
| Total domestic deposits to total assets | 91.4600% | 789 |
| Equity capital to assets | 7.8024% | 3,185 |
| Core capital (leverage) ratio | 12.2721% | 1,167 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $145,520,200 | 3,486 |
| Average earning assets | $139,216,400 | 3,426 |
| Average equity | $11,901,000 | 3,678 |
| Average total loans | $83,242,200 | 3,366 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9832% | 1,297 |
| Cost of funding earning assets | 0.1069% | 4,231 |
| Net interest margin | 3.8763% | 839 |
| Noninterest income to average assets | 0.6300% | 1,585 |
| Noninterest expense to average assets | 3.0767% | 818 |
| Loan and lease loss provision to assets | 0.0800% | 1,289 |
| Net operating income to assets | 1.1799% | 1,773 |
| Return on assets (ROA) | 1.1799% | 1,745 |
| Pretax return on assets | 1.1799% | 2,450 |
| Return on Equity (ROE) | 14.2700% | 1,357 |
| Retained earnings to average equity (ytd only) | 6.6141% | 2,512 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 70.1537% | 1,742 |
| Assets per employee ($millions) | 5.7424% | 2,996 |
| Cash dividends to net income (ytd only)* | 53.6378% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2830% | 300 |
| 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 | 58.6800% | 2,628 |
| Net loans and leases to deposits | 63.0504% | 2,938 |
| Net loans and leases to core deposits | 68.6402% | 2,748 |
| Total domestic deposits to total assets | 93.0600% | 564 |
| Equity capital to assets | 6.6335% | 3,686 |
| Core capital (leverage) ratio | 11.8824% | 1,271 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $145,997,750 | 3,502 |
| Average earning assets | $139,716,750 | 3,448 |
| Average equity | $12,075,000 | 3,703 |
| Average total loans | $82,166,250 | 3,392 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8744% | 1,160 |
| Cost of funding earning assets | 0.1067% | 4,119 |
| Net interest margin | 3.7677% | 807 |
| Noninterest income to average assets | 0.6212% | 1,650 |
| Noninterest expense to average assets | 2.9712% | 879 |
| Loan and lease loss provision to assets | 0.0613% | 1,495 |
| Net operating income to assets | 1.1961% | 1,444 |
| Return on assets (ROA) | 1.1961% | 1,424 |
| Pretax return on assets | 1.1961% | 2,089 |
| Return on Equity (ROE) | 13.5854% | 1,211 |
| Retained earnings to average equity (ytd only) | 7.8294% | 1,681 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4910% | 2,031 |
| Assets per employee ($millions) | 5.8010% | 2,920 |
| Cash dividends to net income (ytd only)* | 42.3690% | 1,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2191% | 376 |
| Loan loss allowance to noncurrent loans | 64,100.0000% | 29 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,050 |
| Noncurrent loans to loans | 0.0035% | 3,974 |
| Net loans and leases to total assets | 58.4272% | 2,479 |
| Net loans and leases to deposits | 62.4072% | 2,857 |
| Net loans and leases to core deposits | 67.7152% | 2,678 |
| Total domestic deposits to total assets | 93.6225% | 365 |
| Equity capital to assets | 6.1769% | 4,147 |
| Core capital (leverage) ratio | 10.4191% | 2,015 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $146,810,333 | 3,532 |
| Average earning assets | $140,564,000 | 3,487 |
| Average equity | $12,925,667 | 3,691 |
| Average total loans | $80,820,333 | 3,442 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7929% | 1,097 |
| Cost of funding earning assets | 0.1105% | 4,005 |
| Net interest margin | 3.6824% | 771 |
| Noninterest income to average assets | 0.5822% | 1,768 |
| Noninterest expense to average assets | 2.9410% | 897 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1618% | 1,351 |
| Return on assets (ROA) | 1.1618% | 1,349 |
| Pretax return on assets | 1.1618% | 1,945 |
| Return on Equity (ROE) | 11.5094% | 1,451 |
| Retained earnings to average equity (ytd only) | 4.7218% | 2,696 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8911% | 2,117 |
| Assets per employee ($millions) | 5.8206% | 2,979 |
| Cash dividends to net income (ytd only)* | 58.9744% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2957% | 374 |
| 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 | 52.8146% | 2,903 |
| Net loans and leases to deposits | 57.9530% | 3,083 |
| Net loans and leases to core deposits | 63.0429% | 2,886 |
| Total domestic deposits to total assets | 91.1336% | 963 |
| Equity capital to assets | 8.7389% | 2,940 |
| Core capital (leverage) ratio | 10.2985% | 2,016 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $147,703,000 | 3,534 |
| Average earning assets | $141,213,000 | 3,496 |
| Average equity | $14,909,500 | 3,570 |
| Average total loans | $77,902,000 | 3,494 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 2,122 |
| Cost of funding earning assets | 0.1191% | 4,234 |
| Net interest margin | 3.5782% | 1,526 |
| Noninterest income to average assets | 0.6307% | 2,022 |
| Noninterest expense to average assets | 3.1056% | 835 |
| Loan and lease loss provision to assets | 0.0014% | 3,044 |
| Net operating income to assets | 0.9369% | 2,915 |
| Return on assets (ROA) | 0.9926% | 2,768 |
| Pretax return on assets | 0.9926% | 3,281 |
| Return on Equity (ROE) | 8.2939% | 3,135 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,488 |
| Net charge-offs to loans | 0.0082% | 2,274 |
| Credit loss provision to net charge-offs | 33.3333% | 2,223 |
| Earnings coverage of net charge-offs (x) | 221.6667% | 504 |
| Efficiency ratio | 75.9595% | 1,109 |
| Assets per employee ($millions) | 5.3360% | 3,430 |
| Cash dividends to net income (ytd only)* | 100.0000% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5379% | 262 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0104% | 4,049 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 50.0593% | 3,268 |
| Net loans and leases to deposits | 56.6464% | 3,368 |
| Net loans and leases to core deposits | 62.0705% | 3,155 |
| Total domestic deposits to total assets | 88.3717% | 1,843 |
| Equity capital to assets | 11.5179% | 1,503 |
| Core capital (leverage) ratio | 10.3493% | 2,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,743,000 | 3,569 |
| Average earning assets | $135,206,800 | 3,527 |
| Average equity | $16,964,200 | 3,465 |
| Average total loans | $73,098,600 | 3,600 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6973% | 2,283 |
| Cost of funding earning assets | 0.1198% | 4,353 |
| Net interest margin | 3.5775% | 1,657 |
| Noninterest income to average assets | 0.6413% | 2,049 |
| Noninterest expense to average assets | 3.1179% | 795 |
| Loan and lease loss provision to assets | 0.0021% | 2,930 |
| Net operating income to assets | 0.9351% | 3,135 |
| Return on assets (ROA) | 1.0097% | 2,933 |
| Pretax return on assets | 1.0097% | 3,428 |
| Return on Equity (ROE) | 8.3562% | 3,296 |
| Retained earnings to average equity (ytd only) | -0.6801% | 4,631 |
| Net charge-offs to loans | 0.0128% | 1,857 |
| Credit loss provision to net charge-offs | 28.5714% | 1,958 |
| Earnings coverage of net charge-offs (x) | 141.7143% | 703 |
| Efficiency ratio | 76.0540% | 1,034 |
| Assets per employee ($millions) | 4.7773% | 3,905 |
| Cash dividends to net income (ytd only)* | 108.1384% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6178% | 235 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,162 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 48.6931% | 3,552 |
| Net loans and leases to deposits | 55.4257% | 3,628 |
| Net loans and leases to core deposits | 60.7924% | 3,416 |
| Total domestic deposits to total assets | 87.8529% | 1,935 |
| Equity capital to assets | 11.8987% | 1,444 |
| Core capital (leverage) ratio | 10.3414% | 2,191 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $141,161,000 | 3,617 |
| Average earning assets | $134,689,000 | 3,572 |
| Average equity | $17,056,750 | 3,505 |
| Average total loans | $72,873,500 | 3,653 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7713% | 2,143 |
| Cost of funding earning assets | 0.1224% | 4,422 |
| Net interest margin | 3.6489% | 1,470 |
| Noninterest income to average assets | 0.6408% | 2,040 |
| Noninterest expense to average assets | 3.1771% | 746 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9442% | 3,076 |
| Return on assets (ROA) | 1.0567% | 2,768 |
| Pretax return on assets | 1.0567% | 3,315 |
| Return on Equity (ROE) | 8.6997% | 3,190 |
| Retained earnings to average equity (ytd only) | -1.6532% | 4,654 |
| Net charge-offs to loans | -0.0191% | 3,978 |
| Credit loss provision to net charge-offs | 0.0000% | 1,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2612% | 1,061 |
| Assets per employee ($millions) | 4.7623% | 3,872 |
| Cash dividends to net income (ytd only)* | 119.0027% | 173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6662% | 222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 4,229 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 48.2697% | 3,702 |
| Net loans and leases to deposits | 54.8632% | 3,803 |
| Net loans and leases to core deposits | 60.3120% | 3,600 |
| Total domestic deposits to total assets | 87.9819% | 1,834 |
| Equity capital to assets | 11.8179% | 1,452 |
| Core capital (leverage) ratio | 10.4094% | 2,028 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $140,442,000 | 3,633 |
| Average earning assets | $133,958,000 | 3,584 |
| Average equity | $17,058,000 | 3,507 |
| Average total loans | $73,277,333 | 3,665 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7847% | 2,140 |
| Cost of funding earning assets | 0.1235% | 4,504 |
| Net interest margin | 3.6611% | 1,426 |
| Noninterest income to average assets | 0.6263% | 2,103 |
| Noninterest expense to average assets | 3.1718% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9452% | 2,982 |
| Return on assets (ROA) | 0.9452% | 3,072 |
| Pretax return on assets | 0.9452% | 3,504 |
| Return on Equity (ROE) | 7.6757% | 3,423 |
| Retained earnings to average equity (ytd only) | -7.0691% | 4,749 |
| Net charge-offs to loans | -0.0161% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 1,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2038% | 1,117 |
| Assets per employee ($millions) | 5.0141% | 3,640 |
| Cash dividends to net income (ytd only)* | 192.0973% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5459% | 242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 4,275 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 51.3946% | 3,503 |
| Net loans and leases to deposits | 58.3451% | 3,617 |
| Net loans and leases to core deposits | 63.1154% | 3,488 |
| Total domestic deposits to total assets | 88.0873% | 1,804 |
| Equity capital to assets | 11.7610% | 1,408 |
| Core capital (leverage) ratio | 10.4355% | 2,132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $139,229,000 | 3,648 |
| Average earning assets | $132,746,000 | 3,599 |
| Average equity | $17,145,000 | 3,504 |
| Average total loans | $74,490,500 | 3,663 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,224 |
| Cost of funding earning assets | 0.1692% | 4,677 |
| Net interest margin | 4.0044% | 966 |
| Noninterest income to average assets | 0.6675% | 1,959 |
| Noninterest expense to average assets | 3.1779% | 1,094 |
| Loan and lease loss provision to assets | 0.0322% | 3,995 |
| Net operating income to assets | 1.2516% | 1,379 |
| Return on assets (ROA) | 1.2801% | 1,405 |
| Pretax return on assets | 1.2801% | 2,044 |
| Return on Equity (ROE) | 11.0051% | 1,622 |
| Retained earnings to average equity (ytd only) | 6.2293% | 1,694 |
| Net charge-offs to loans | 0.0583% | 1,945 |
| Credit loss provision to net charge-offs | 102.3256% | 2,789 |
| Earnings coverage of net charge-offs (x) | 40.7907% | 1,373 |
| Efficiency ratio | 70.4396% | 1,888 |
| Assets per employee ($millions) | 4.6021% | 3,810 |
| Cash dividends to net income (ytd only)* | 43.3962% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5113% | 261 |
| Loan loss allowance to noncurrent loans | 390.4564% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 2,522 |
| Noncurrent loans to loans | 0.6432% | 2,072 |
| Net loans and leases to total assets | 52.9168% | 3,584 |
| Net loans and leases to deposits | 60.9604% | 3,684 |
| Net loans and leases to core deposits | 66.2604% | 3,522 |
| Total domestic deposits to total assets | 86.8052% | 2,034 |
| Equity capital to assets | 12.8768% | 1,143 |
| Core capital (leverage) ratio | 10.5767% | 2,106 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,630,400 | 3,550 |
| Average earning assets | $129,457,200 | 3,512 |
| Average equity | $15,892,600 | 3,564 |
| Average total loans | $73,781,800 | 3,663 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2775% | 2,170 |
| Cost of funding earning assets | 0.1778% | 4,733 |
| Net interest margin | 4.0996% | 898 |
| Noninterest income to average assets | 0.6712% | 1,899 |
| Noninterest expense to average assets | 3.1877% | 1,091 |
| Loan and lease loss provision to assets | 0.0139% | 4,144 |
| Net operating income to assets | 1.3492% | 1,234 |
| Return on assets (ROA) | 1.3610% | 1,298 |
| Pretax return on assets | 1.3610% | 1,851 |
| Return on Equity (ROE) | 12.0264% | 1,362 |
| Retained earnings to average equity (ytd only) | 6.8648% | 1,752 |
| Net charge-offs to loans | 0.0236% | 2,372 |
| Credit loss provision to net charge-offs | 107.6923% | 2,567 |
| Earnings coverage of net charge-offs (x) | 107.1538% | 756 |
| Efficiency ratio | 69.2754% | 1,992 |
| Assets per employee ($millions) | 4.8229% | 3,461 |
| Cash dividends to net income (ytd only)* | 42.9188% | 1,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5292% | 218 |
| Loan loss allowance to noncurrent loans | 94,100.0000% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 4,405 |
| Noncurrent loans to loans | 0.0027% | 4,451 |
| Net loans and leases to total assets | 51.8572% | 3,976 |
| Net loans and leases to deposits | 59.3955% | 4,098 |
| Net loans and leases to core deposits | 64.5632% | 3,981 |
| Total domestic deposits to total assets | 87.3083% | 1,540 |
| Equity capital to assets | 12.4093% | 1,464 |
| Core capital (leverage) ratio | 10.3597% | 2,370 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,272,500 | 3,552 |
| Average earning assets | $128,951,500 | 3,507 |
| Average equity | $15,421,250 | 3,616 |
| Average total loans | $73,492,250 | 3,679 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3805% | 2,255 |
| Cost of funding earning assets | 0.1896% | 4,786 |
| Net interest margin | 4.1908% | 942 |
| Noninterest income to average assets | 0.6722% | 1,843 |
| Noninterest expense to average assets | 3.1982% | 1,165 |
| Loan and lease loss provision to assets | 0.0044% | 4,114 |
| Net operating income to assets | 1.4288% | 1,054 |
| Return on assets (ROA) | 1.4466% | 1,116 |
| Pretax return on assets | 1.4466% | 1,597 |
| Return on Equity (ROE) | 13.2238% | 1,048 |
| Retained earnings to average equity (ytd only) | 7.3361% | 1,525 |
| Net charge-offs to loans | 0.0027% | 2,899 |
| Credit loss provision to net charge-offs | 300.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 968.0000% | 94 |
| Efficiency ratio | 68.2864% | 2,201 |
| Assets per employee ($millions) | 5.0555% | 3,106 |
| Cash dividends to net income (ytd only)* | 44.5241% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5611% | 203 |
| Loan loss allowance to noncurrent loans | 2,652.1127% | 234 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 4,210 |
| Noncurrent loans to loans | 0.0966% | 4,063 |
| Net loans and leases to total assets | 50.6097% | 4,127 |
| Net loans and leases to deposits | 57.4416% | 4,247 |
| Net loans and leases to core deposits | 62.1837% | 4,170 |
| Total domestic deposits to total assets | 88.1063% | 1,123 |
| Equity capital to assets | 11.6987% | 1,833 |
| Core capital (leverage) ratio | 10.2910% | 2,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $135,075,667 | 3,545 |
| Average earning assets | $127,612,000 | 3,504 |
| Average equity | $14,776,333 | 3,683 |
| Average total loans | $73,186,000 | 3,691 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 2,457 |
| Cost of funding earning assets | 0.2127% | 4,865 |
| Net interest margin | 4.2324% | 861 |
| Noninterest income to average assets | 0.7615% | 1,427 |
| Noninterest expense to average assets | 3.3890% | 1,080 |
| Loan and lease loss provision to assets | 0.0091% | 3,651 |
| Net operating income to assets | 1.3471% | 1,115 |
| Return on assets (ROA) | 1.3835% | 1,106 |
| Pretax return on assets | 1.3835% | 1,613 |
| Return on Equity (ROE) | 13.1370% | 856 |
| Retained earnings to average equity (ytd only) | 5.2721% | 2,165 |
| Net charge-offs to loans | 0.0055% | 2,377 |
| Credit loss provision to net charge-offs | 300.0000% | 1,171 |
| Earnings coverage of net charge-offs (x) | 447.0000% | 147 |
| Efficiency ratio | 70.6522% | 2,261 |
| Assets per employee ($millions) | 4.8756% | 2,782 |
| Cash dividends to net income (ytd only)* | 59.8684% | 1,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5912% | 216 |
| Loan loss allowance to noncurrent loans | 932.1782% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 3,819 |
| Noncurrent loans to loans | 0.2780% | 3,496 |
| Net loans and leases to total assets | 53.7724% | 4,005 |
| Net loans and leases to deposits | 59.7784% | 4,208 |
| Net loans and leases to core deposits | 63.5063% | 4,196 |
| Total domestic deposits to total assets | 89.9529% | 339 |
| Equity capital to assets | 9.9012% | 3,883 |
| Core capital (leverage) ratio | 10.4164% | 3,029 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $131,836,500 | 3,565 |
| Average earning assets | $124,090,500 | 3,520 |
| Average equity | $13,884,500 | 3,782 |
| Average total loans | $73,017,500 | 3,702 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6662% | 2,419 |
| Cost of funding earning assets | 0.2235% | 4,909 |
| Net interest margin | 4.4427% | 818 |
| Noninterest income to average assets | 0.7563% | 1,601 |
| Noninterest expense to average assets | 3.3213% | 1,256 |
| Loan and lease loss provision to assets | 0.4579% | 294 |
| Net operating income to assets | 1.1638% | 2,203 |
| Return on assets (ROA) | 1.1898% | 2,193 |
| Pretax return on assets | 1.1898% | 2,874 |
| Return on Equity (ROE) | 11.2997% | 1,772 |
| Retained earnings to average equity (ytd only) | 5.1171% | 2,358 |
| Net charge-offs to loans | 0.0131% | 3,220 |
| Credit loss provision to net charge-offs | 6,000.0000% | 70 |
| Earnings coverage of net charge-offs (x) | 212.5000% | 378 |
| Efficiency ratio | 66.4505% | 2,700 |
| Assets per employee ($millions) | 4.2591% | 3,569 |
| Cash dividends to net income (ytd only)* | 54.7146% | 1,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5639% | 202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 4,583 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 54.1418% | 4,068 |
| Net loans and leases to deposits | 61.0419% | 4,240 |
| Net loans and leases to core deposits | 64.9250% | 4,240 |
| Total domestic deposits to total assets | 88.6960% | 795 |
| Equity capital to assets | 11.1601% | 2,849 |
| Core capital (leverage) ratio | 10.2762% | 3,213 |
| Tier 1 risk-based capital ratio | 16.1541% | 2,349 |
| Total risk-based capital ratio | 17.4166% | 2,293 |
| Memoranda: | ||
| Average total assets | $131,032,800 | 3,553 |
| Average earning assets | $123,482,800 | 3,511 |
| Average equity | $13,796,800 | 3,779 |
| Average total loans | $76,105,200 | 3,662 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 2,649 |
| Cost of funding earning assets | 0.2251% | 4,985 |
| Net interest margin | 4.3973% | 950 |
| Noninterest income to average assets | 0.7565% | 1,574 |
| Noninterest expense to average assets | 3.3255% | 1,214 |
| Loan and lease loss provision to assets | 0.4588% | 270 |
| Net operating income to assets | 1.1153% | 2,513 |
| Return on assets (ROA) | 1.1500% | 2,454 |
| Pretax return on assets | 1.1500% | 3,131 |
| Return on Equity (ROE) | 11.0893% | 1,984 |
| Retained earnings to average equity (ytd only) | 5.2989% | 2,734 |
| Net charge-offs to loans | -0.0226% | 4,614 |
| Credit loss provision to net charge-offs | -3,461.5385% | 4,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1244% | 2,566 |
| Assets per employee ($millions) | 4.5762% | 3,085 |
| Cash dividends to net income (ytd only)* | 52.2161% | 1,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2196% | 325 |
| Loan loss allowance to noncurrent loans | 2,016.0920% | 321 |
| Noncurrent assets plus other real estate owned to assets | 0.0806% | 4,319 |
| Noncurrent loans to loans | 0.1101% | 4,152 |
| Net loans and leases to total assets | 58.2236% | 3,860 |
| Net loans and leases to deposits | 65.6104% | 4,090 |
| Net loans and leases to core deposits | 69.8897% | 4,063 |
| Total domestic deposits to total assets | 88.7415% | 718 |
| Equity capital to assets | 10.9608% | 3,130 |
| Core capital (leverage) ratio | 10.4275% | 3,160 |
| Tier 1 risk-based capital ratio | 15.3299% | 2,697 |
| Total risk-based capital ratio | 16.5886% | 2,628 |
| Memoranda: | ||
| Average total assets | $130,782,750 | 3,590 |
| Average earning assets | $123,224,750 | 3,554 |
| Average equity | $13,562,250 | 3,848 |
| Average total loans | $76,790,000 | 3,697 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6176% | 2,621 |
| Cost of funding earning assets | 0.2330% | 5,001 |
| Net interest margin | 4.3846% | 968 |
| Noninterest income to average assets | 0.7669% | 1,453 |
| Noninterest expense to average assets | 3.3302% | 1,231 |
| Loan and lease loss provision to assets | 0.4610% | 257 |
| Net operating income to assets | 1.1111% | 2,485 |
| Return on assets (ROA) | 1.1111% | 2,554 |
| Pretax return on assets | 1.1111% | 3,202 |
| Return on Equity (ROE) | 10.9261% | 2,008 |
| Retained earnings to average equity (ytd only) | 5.7729% | 2,386 |
| Net charge-offs to loans | -0.0342% | 4,723 |
| Credit loss provision to net charge-offs | -2,307.6923% | 4,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1787% | 2,661 |
| Assets per employee ($millions) | 4.7691% | 2,784 |
| Cash dividends to net income (ytd only)* | 47.1646% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0130% | 467 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 3,664 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 60.6368% | 3,681 |
| Net loans and leases to deposits | 68.2479% | 3,951 |
| Net loans and leases to core deposits | 72.6201% | 3,967 |
| Total domestic deposits to total assets | 88.8479% | 729 |
| Equity capital to assets | 10.9440% | 3,131 |
| Core capital (leverage) ratio | 10.3025% | 3,283 |
| Tier 1 risk-based capital ratio | 14.9519% | 2,869 |
| Total risk-based capital ratio | 16.2088% | 2,782 |
| Memoranda: | ||
| Average total assets | $130,140,670 | 3,616 |
| Average earning assets | $122,749,000 | 3,586 |
| Average equity | $13,234,330 | 3,896 |
| Average total loans | $76,046,000 | 3,731 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5899% | 2,563 |
| Cost of funding earning assets | 0.2142% | 5,088 |
| Net interest margin | 4.3757% | 951 |
| Noninterest income to average assets | 0.7307% | 1,500 |
| Noninterest expense to average assets | 3.2653% | 1,356 |
| Loan and lease loss provision to assets | 0.4586% | 239 |
| Net operating income to assets | 1.1282% | 2,359 |
| Return on assets (ROA) | 1.1282% | 2,408 |
| Pretax return on assets | 1.1282% | 3,051 |
| Return on Equity (ROE) | 11.5263% | 1,725 |
| Retained earnings to average equity (ytd only) | 5.7788% | 2,552 |
| Net charge-offs to loans | 0.0054% | 2,513 |
| Credit loss provision to net charge-offs | 15,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 519.0000% | 140 |
| Efficiency ratio | 66.5406% | 2,864 |
| Assets per employee ($millions) | 5.0263% | 2,484 |
| Cash dividends to net income (ytd only)* | 49.8645% | 1,626 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9202% | 576 |
| Loan loss allowance to noncurrent loans | 488.4746% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 2,797 |
| Noncurrent loans to loans | 0.3931% | 3,181 |
| Net loans and leases to total assets | 56.3217% | 4,041 |
| Net loans and leases to deposits | 62.7367% | 4,257 |
| Net loans and leases to core deposits | 66.8556% | 4,240 |
| Total domestic deposits to total assets | 89.7746% | 537 |
| Equity capital to assets | 10.0769% | 3,743 |
| Core capital (leverage) ratio | 9.9840% | 3,620 |
| Tier 1 risk-based capital ratio | 15.2684% | 2,764 |
| Total risk-based capital ratio | 16.5241% | 2,669 |
| Memoranda: | ||
| Average total assets | $130,828,500 | 3,649 |
| Average earning assets | $123,226,000 | 3,612 |
| Average equity | $12,805,500 | 3,972 |
| Average total loans | $74,227,500 | 3,797 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4517% | 2,602 |
| Cost of funding earning assets | 0.1844% | 5,063 |
| Net interest margin | 4.2673% | 1,233 |
| Noninterest income to average assets | 0.6941% | 1,874 |
| Noninterest expense to average assets | 3.4007% | 1,150 |
| Loan and lease loss provision to assets | 0.2402% | 733 |
| Net operating income to assets | 1.0735% | 2,705 |
| Return on assets (ROA) | 1.0968% | 2,612 |
| Pretax return on assets | 1.0968% | 3,283 |
| Return on Equity (ROE) | 11.4191% | 1,928 |
| Retained earnings to average equity (ytd only) | 6.3264% | 2,019 |
| Net charge-offs to loans | 0.0421% | 2,573 |
| Credit loss provision to net charge-offs | 1,071.4286% | 363 |
| Earnings coverage of net charge-offs (x) | 58.6071% | 1,035 |
| Efficiency ratio | 71.3194% | 1,996 |
| Assets per employee ($millions) | 4.8508% | 2,677 |
| Cash dividends to net income (ytd only)* | 44.5985% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7586% | 738 |
| Loan loss allowance to noncurrent loans | 14,344.4444% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 3,677 |
| Noncurrent loans to loans | 0.0123% | 4,746 |
| Net loans and leases to total assets | 55.0644% | 4,202 |
| Net loans and leases to deposits | 62.2392% | 4,362 |
| Net loans and leases to core deposits | 66.5390% | 4,320 |
| Total domestic deposits to total assets | 88.4723% | 1,081 |
| Equity capital to assets | 9.4997% | 4,135 |
| Core capital (leverage) ratio | 9.9075% | 3,688 |
| Tier 1 risk-based capital ratio | 15.2586% | 2,719 |
| Total risk-based capital ratio | 16.5126% | 2,647 |
| Memoranda: | ||
| Average total assets | $124,914,200 | 3,720 |
| Average earning assets | $117,685,200 | 3,681 |
| Average equity | $11,997,400 | 4,028 |
| Average total loans | $66,579,600 | 3,949 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3666% | 2,740 |
| Cost of funding earning assets | 0.1676% | 5,155 |
| Net interest margin | 4.1990% | 1,360 |
| Noninterest income to average assets | 0.6893% | 1,902 |
| Noninterest expense to average assets | 3.4435% | 1,063 |
| Loan and lease loss provision to assets | 0.2431% | 647 |
| Net operating income to assets | 0.9551% | 3,282 |
| Return on assets (ROA) | 0.9865% | 3,154 |
| Pretax return on assets | 0.9865% | 3,758 |
| Return on Equity (ROE) | 10.2412% | 2,508 |
| Retained earnings to average equity (ytd only) | 5.3169% | 3,051 |
| Net charge-offs to loans | 0.0308% | 2,477 |
| Credit loss provision to net charge-offs | 1,500.0000% | 268 |
| Earnings coverage of net charge-offs (x) | 73.9315% | 918 |
| Efficiency ratio | 73.3473% | 1,677 |
| Assets per employee ($millions) | 4.3676% | 3,334 |
| Cash dividends to net income (ytd only)* | 48.0835% | 1,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7734% | 762 |
| Loan loss allowance to noncurrent loans | 453.5055% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 3,797 |
| Noncurrent loans to loans | 0.3910% | 3,250 |
| Net loans and leases to total assets | 53.7443% | 4,378 |
| Net loans and leases to deposits | 59.3748% | 4,585 |
| Net loans and leases to core deposits | 63.2234% | 4,563 |
| Total domestic deposits to total assets | 90.5171% | 336 |
| Equity capital to assets | 9.1450% | 4,422 |
| Core capital (leverage) ratio | 9.9627% | 3,677 |
| Tier 1 risk-based capital ratio | 15.9643% | 2,463 |
| Total risk-based capital ratio | 17.2187% | 2,399 |
| Memoranda: | ||
| Average total assets | $123,399,750 | 3,776 |
| Average earning assets | $116,150,500 | 3,751 |
| Average equity | $11,886,250 | 4,082 |
| Average total loans | $64,872,000 | 4,022 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3297% | 2,668 |
| Cost of funding earning assets | 0.1562% | 5,219 |
| Net interest margin | 4.1734% | 1,344 |
| Noninterest income to average assets | 0.6557% | 2,066 |
| Noninterest expense to average assets | 3.5139% | 982 |
| Loan and lease loss provision to assets | 0.2453% | 630 |
| Net operating income to assets | 0.8274% | 3,764 |
| Return on assets (ROA) | 0.8748% | 3,566 |
| Pretax return on assets | 0.8748% | 4,038 |
| Return on Equity (ROE) | 8.9261% | 3,059 |
| Retained earnings to average equity (ytd only) | 3.9875% | 3,618 |
| Net charge-offs to loans | 0.0505% | 1,881 |
| Credit loss provision to net charge-offs | 937.5000% | 429 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 1,269 |
| Efficiency ratio | 75.7576% | 1,455 |
| Assets per employee ($millions) | 4.4467% | 3,211 |
| Cash dividends to net income (ytd only)* | 55.3271% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7689% | 797 |
| Loan loss allowance to noncurrent loans | 4,804.1667% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0353% | 4,846 |
| Noncurrent loans to loans | 0.0368% | 4,749 |
| Net loans and leases to total assets | 51.4268% | 4,512 |
| Net loans and leases to deposits | 56.8539% | 4,708 |
| Net loans and leases to core deposits | 60.5966% | 4,675 |
| Total domestic deposits to total assets | 90.4544% | 417 |
| Equity capital to assets | 9.4011% | 4,189 |
| Core capital (leverage) ratio | 10.0762% | 3,502 |
| Tier 1 risk-based capital ratio | 16.3404% | 2,312 |
| Total risk-based capital ratio | 17.5936% | 2,259 |
| Memoranda: | ||
| Average total assets | $122,313,330 | 3,823 |
| Average earning assets | $115,205,330 | 3,789 |
| Average equity | $11,987,330 | 4,085 |
| Average total loans | $63,395,670 | 4,086 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 2,637 |
| Cost of funding earning assets | 0.1369% | 5,329 |
| Net interest margin | 4.1324% | 1,360 |
| Noninterest income to average assets | 0.7953% | 1,472 |
| Noninterest expense to average assets | 3.5771% | 890 |
| Loan and lease loss provision to assets | 0.2475% | 603 |
| Net operating income to assets | 0.8547% | 3,480 |
| Return on assets (ROA) | 0.8580% | 3,479 |
| Pretax return on assets | 0.8580% | 3,989 |
| Return on Equity (ROE) | 8.5748% | 3,118 |
| Retained earnings to average equity (ytd only) | 3.1991% | 3,927 |
| Net charge-offs to loans | 0.0960% | 1,215 |
| Credit loss provision to net charge-offs | 500.0000% | 578 |
| Earnings coverage of net charge-offs (x) | 22.2667% | 1,405 |
| Efficiency ratio | 75.5994% | 1,652 |
| Assets per employee ($millions) | 4.3881% | 3,340 |
| Cash dividends to net income (ytd only)* | 62.6923% | 1,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7436% | 876 |
| Loan loss allowance to noncurrent loans | 3,720.6897% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 4,918 |
| Noncurrent loans to loans | 0.0469% | 4,765 |
| Net loans and leases to total assets | 49.4864% | 4,597 |
| Net loans and leases to deposits | 54.7824% | 4,758 |
| Net loans and leases to core deposits | 58.1602% | 4,743 |
| Total domestic deposits to total assets | 90.3327% | 530 |
| Equity capital to assets | 9.5403% | 4,056 |
| Core capital (leverage) ratio | 10.0387% | 3,488 |
| Tier 1 risk-based capital ratio | 16.6052% | 2,240 |
| Total risk-based capital ratio | 17.8587% | 2,182 |
| Memoranda: | ||
| Average total assets | $121,216,500 | 3,885 |
| Average earning assets | $113,928,000 | 3,850 |
| Average equity | $12,128,500 | 4,103 |
| Average total loans | $62,502,000 | 4,141 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1694% | 2,807 |
| Cost of funding earning assets | 0.1378% | 5,323 |
| Net interest margin | 4.0316% | 1,651 |
| Noninterest income to average assets | 0.8743% | 1,344 |
| Noninterest expense to average assets | 3.4317% | 1,151 |
| Loan and lease loss provision to assets | 0.2383% | 805 |
| Net operating income to assets | 0.9716% | 2,359 |
| Return on assets (ROA) | 0.9839% | 2,347 |
| Pretax return on assets | 0.9839% | 3,637 |
| Return on Equity (ROE) | 9.9444% | 1,904 |
| Retained earnings to average equity (ytd only) | 6.1986% | 1,436 |
| Net charge-offs to loans | 0.0284% | 3,247 |
| Credit loss provision to net charge-offs | 1,700.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 86.3125% | 722 |
| Efficiency ratio | 73.0276% | 2,059 |
| Assets per employee ($millions) | 3.9855% | 3,987 |
| Cash dividends to net income (ytd only)* | 37.6670% | 2,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 1,105 |
| Loan loss allowance to noncurrent loans | 1,698.3333% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0502% | 4,880 |
| Noncurrent loans to loans | 0.0951% | 4,565 |
| Net loans and leases to total assets | 51.9408% | 4,516 |
| Net loans and leases to deposits | 58.0700% | 4,688 |
| Net loans and leases to core deposits | 61.7891% | 4,672 |
| Total domestic deposits to total assets | 89.4451% | 801 |
| Equity capital to assets | 10.4838% | 3,184 |
| Core capital (leverage) ratio | 10.1140% | 3,296 |
| Tier 1 risk-based capital ratio | 16.9110% | 2,124 |
| Total risk-based capital ratio | 18.1629% | 2,064 |
| Memoranda: | ||
| Average total assets | $114,142,800 | 3,994 |
| Average earning assets | $106,657,400 | 3,970 |
| Average equity | $11,292,800 | 4,260 |
| Average total loans | $56,395,400 | 4,280 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 2,917 |
| Cost of funding earning assets | 0.1355% | 5,395 |
| Net interest margin | 3.9844% | 1,762 |
| Noninterest income to average assets | 0.8003% | 1,587 |
| Noninterest expense to average assets | 3.4648% | 1,044 |
| Loan and lease loss provision to assets | 0.2329% | 776 |
| Net operating income to assets | 0.8216% | 3,429 |
| Return on assets (ROA) | 0.8381% | 3,378 |
| Pretax return on assets | 0.8381% | 4,244 |
| Return on Equity (ROE) | 8.6076% | 2,810 |
| Retained earnings to average equity (ytd only) | 4.9776% | 2,902 |
| Net charge-offs to loans | 0.0317% | 2,800 |
| Credit loss provision to net charge-offs | 1,515.3846% | 247 |
| Earnings coverage of net charge-offs (x) | 68.6267% | 906 |
| Efficiency ratio | 75.7259% | 1,632 |
| Assets per employee ($millions) | 3.8986% | 4,164 |
| Cash dividends to net income (ytd only)* | 42.1724% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5888% | 1,263 |
| Loan loss allowance to noncurrent loans | 10,522.2222% | 82 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 5,231 |
| Noncurrent loans to loans | 0.0151% | 5,075 |
| Net loans and leases to total assets | 50.1535% | 4,686 |
| Net loans and leases to deposits | 56.4811% | 4,848 |
| Net loans and leases to core deposits | 61.4475% | 4,744 |
| Total domestic deposits to total assets | 88.7969% | 975 |
| Equity capital to assets | 10.7747% | 3,091 |
| Core capital (leverage) ratio | 10.5861% | 2,892 |
| Tier 1 risk-based capital ratio | 17.3255% | 2,055 |
| Total risk-based capital ratio | 18.5780% | 2,010 |
| Memoranda: | ||
| Average total assets | $112,787,250 | 4,054 |
| Average earning assets | $105,275,000 | 4,042 |
| Average equity | $10,982,250 | 4,342 |
| Average total loans | $54,713,750 | 4,370 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1553% | 2,645 |
| Cost of funding earning assets | 0.1385% | 5,400 |
| Net interest margin | 4.0168% | 1,552 |
| Noninterest income to average assets | 0.8061% | 1,550 |
| Noninterest expense to average assets | 3.5154% | 989 |
| Loan and lease loss provision to assets | 0.2262% | 768 |
| Net operating income to assets | 0.8133% | 3,344 |
| Return on assets (ROA) | 0.8384% | 3,264 |
| Pretax return on assets | 0.8384% | 4,133 |
| Return on Equity (ROE) | 8.9444% | 2,535 |
| Retained earnings to average equity (ytd only) | 5.7075% | 2,287 |
| Net charge-offs to loans | 0.0188% | 2,871 |
| Credit loss provision to net charge-offs | 2,520.0000% | 171 |
| Earnings coverage of net charge-offs (x) | 115.8000% | 590 |
| Efficiency ratio | 76.2318% | 1,684 |
| Assets per employee ($millions) | 3.6581% | 4,496 |
| Cash dividends to net income (ytd only)* | 36.1884% | 2,513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5749% | 1,322 |
| Loan loss allowance to noncurrent loans | 4,911.1111% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.0164% | 5,227 |
| Noncurrent loans to loans | 0.0321% | 5,030 |
| Net loans and leases to total assets | 50.3422% | 4,684 |
| Net loans and leases to deposits | 56.9992% | 4,803 |
| Net loans and leases to core deposits | 62.3978% | 4,697 |
| Total domestic deposits to total assets | 88.3209% | 1,294 |
| Equity capital to assets | 11.3994% | 2,411 |
| Core capital (leverage) ratio | 10.1767% | 3,305 |
| Tier 1 risk-based capital ratio | 18.0269% | 1,846 |
| Total risk-based capital ratio | 19.2788% | 1,801 |
| Memoranda: | ||
| Average total assets | $111,396,670 | 4,109 |
| Average earning assets | $103,964,000 | 4,098 |
| Average equity | $10,442,330 | 4,447 |
| Average total loans | $53,083,000 | 4,446 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 3,145 |
| Cost of funding earning assets | 0.1260% | 5,524 |
| Net interest margin | 3.8440% | 1,974 |
| Noninterest income to average assets | 0.8269% | 1,462 |
| Noninterest expense to average assets | 3.4217% | 1,154 |
| Loan and lease loss provision to assets | 0.2246% | 700 |
| Net operating income to assets | 0.7699% | 3,369 |
| Return on assets (ROA) | 0.7699% | 3,426 |
| Pretax return on assets | 0.7699% | 4,216 |
| Return on Equity (ROE) | 9.1832% | 2,323 |
| Retained earnings to average equity (ytd only) | 4.8892% | 2,956 |
| Net charge-offs to loans | 0.0155% | 2,491 |
| Credit loss provision to net charge-offs | 3,150.0000% | 106 |
| Earnings coverage of net charge-offs (x) | 139.5000% | 393 |
| Efficiency ratio | 76.5133% | 1,830 |
| Assets per employee ($millions) | 3.6123% | 4,626 |
| Cash dividends to net income (ytd only)* | 46.7593% | 1,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5245% | 1,607 |
| Loan loss allowance to noncurrent loans | 41,200.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 5,383 |
| Noncurrent loans to loans | 0.0037% | 5,255 |
| Net loans and leases to total assets | 46.0444% | 4,939 |
| Net loans and leases to deposits | 50.2939% | 5,117 |
| Net loans and leases to core deposits | 56.9599% | 4,925 |
| Total domestic deposits to total assets | 91.5507% | 170 |
| Equity capital to assets | 8.2374% | 5,395 |
| Core capital (leverage) ratio | 8.2342% | 5,419 |
| Tier 1 risk-based capital ratio | 14.0887% | 3,420 |
| Total risk-based capital ratio | 15.3397% | 3,341 |
| Memoranda: | ||
| Average total assets | $112,223,500 | 4,125 |
| Average earning assets | $104,788,000 | 4,111 |
| Average equity | $9,408,500 | 4,640 |
| Average total loans | $51,559,000 | 4,516 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8651% | 3,696 |
| Cost of funding earning assets | 0.1293% | 5,554 |
| Net interest margin | 3.7359% | 2,552 |
| Noninterest income to average assets | 0.8936% | 1,433 |
| Noninterest expense to average assets | 3.5011% | 1,155 |
| Loan and lease loss provision to assets | 0.2280% | 952 |
| Net operating income to assets | 0.6270% | 4,100 |
| Return on assets (ROA) | 0.6801% | 3,986 |
| Pretax return on assets | 0.6801% | 4,556 |
| Return on Equity (ROE) | 6.8496% | 3,547 |
| Retained earnings to average equity (ytd only) | 3.9405% | 3,118 |
| Net charge-offs to loans | 0.2531% | 1,091 |
| Credit loss provision to net charge-offs | 203.4483% | 1,391 |
| Earnings coverage of net charge-offs (x) | 7.6293% | 2,990 |
| Efficiency ratio | 79.3081% | 1,512 |
| Assets per employee ($millions) | 3.2985% | 5,045 |
| Cash dividends to net income (ytd only)* | 42.4716% | 2,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 1,488 |
| Loan loss allowance to noncurrent loans | 76,300.0000% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 5,447 |
| Noncurrent loans to loans | 0.0020% | 5,314 |
| Net loans and leases to total assets | 44.3777% | 5,089 |
| Net loans and leases to deposits | 48.5595% | 5,272 |
| Net loans and leases to core deposits | 54.6732% | 5,118 |
| Total domestic deposits to total assets | 91.3883% | 187 |
| Equity capital to assets | 8.5391% | 5,242 |
| Core capital (leverage) ratio | 8.4536% | 5,308 |
| Tier 1 risk-based capital ratio | 15.2439% | 2,863 |
| Total risk-based capital ratio | 16.4952% | 2,798 |
| Memoranda: | ||
| Average total assets | $103,509,400 | 4,296 |
| Average earning assets | $95,934,200 | 4,273 |
| Average equity | $10,278,000 | 4,522 |
| Average total loans | $45,836,400 | 4,691 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8438% | 3,784 |
| Cost of funding earning assets | 0.1283% | 5,627 |
| Net interest margin | 3.7155% | 2,660 |
| Noninterest income to average assets | 0.8978% | 1,413 |
| Noninterest expense to average assets | 3.5077% | 1,139 |
| Loan and lease loss provision to assets | 0.2231% | 919 |
| Net operating income to assets | 0.6068% | 4,266 |
| Return on assets (ROA) | 0.6733% | 4,111 |
| Pretax return on assets | 0.6733% | 4,682 |
| Return on Equity (ROE) | 6.5374% | 3,814 |
| Retained earnings to average equity (ytd only) | 4.1936% | 3,342 |
| Net charge-offs to loans | 0.2576% | 911 |
| Credit loss provision to net charge-offs | 196.5517% | 1,460 |
| Earnings coverage of net charge-offs (x) | 7.3102% | 2,891 |
| Efficiency ratio | 79.7834% | 1,460 |
| Assets per employee ($millions) | 4.6665% | 2,808 |
| Cash dividends to net income (ytd only)* | 35.8528% | 2,547 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5925% | 1,497 |
| Loan loss allowance to noncurrent loans | 1,025.3521% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.0692% | 5,161 |
| Noncurrent loans to loans | 0.1553% | 4,730 |
| Net loans and leases to total assets | 43.8177% | 5,208 |
| Net loans and leases to deposits | 49.0455% | 5,343 |
| Net loans and leases to core deposits | 52.5188% | 5,290 |
| Total domestic deposits to total assets | 89.3410% | 740 |
| Equity capital to assets | 10.4301% | 3,633 |
| Core capital (leverage) ratio | 8.7531% | 5,095 |
| Tier 1 risk-based capital ratio | 16.9736% | 2,235 |
| Total risk-based capital ratio | 18.2249% | 2,193 |
| Memoranda: | ||
| Average total assets | $102,173,750 | 4,352 |
| Average earning assets | $94,592,000 | 4,335 |
| Average equity | $10,523,750 | 4,535 |
| Average total loans | $45,028,250 | 4,752 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7603% | 4,090 |
| Cost of funding earning assets | 0.1249% | 5,731 |
| Net interest margin | 3.6355% | 2,954 |
| Noninterest income to average assets | 0.8705% | 1,471 |
| Noninterest expense to average assets | 3.4291% | 1,319 |
| Loan and lease loss provision to assets | 0.2117% | 1,008 |
| Net operating income to assets | 0.5980% | 4,282 |
| Return on assets (ROA) | 0.6372% | 4,255 |
| Pretax return on assets | 0.6372% | 4,797 |
| Return on Equity (ROE) | 6.2128% | 3,956 |
| Retained earnings to average equity (ytd only) | 2.6763% | 4,195 |
| Net charge-offs to loans | 0.3571% | 653 |
| Credit loss provision to net charge-offs | 135.0000% | 1,731 |
| Earnings coverage of net charge-offs (x) | 5.1625% | 2,890 |
| Efficiency ratio | 79.7872% | 1,519 |
| Assets per employee ($millions) | 3.0786% | 5,343 |
| Cash dividends to net income (ytd only)* | 56.9231% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4653% | 2,003 |
| Loan loss allowance to noncurrent loans | 3,054.5455% | 226 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 5,509 |
| Noncurrent loans to loans | 0.0480% | 5,269 |
| Net loans and leases to total assets | 44.4805% | 5,203 |
| Net loans and leases to deposits | 50.0465% | 5,337 |
| Net loans and leases to core deposits | 53.8091% | 5,289 |
| Total domestic deposits to total assets | 88.8784% | 972 |
| Equity capital to assets | 10.4779% | 3,664 |
| Core capital (leverage) ratio | 8.5971% | 5,267 |
| Tier 1 risk-based capital ratio | 16.7953% | 2,308 |
| Total risk-based capital ratio | 18.0463% | 2,261 |
| Memoranda: | ||
| Average total assets | $102,010,330 | 4,392 |
| Average earning assets | $94,513,330 | 4,372 |
| Average equity | $10,462,330 | 4,574 |
| Average total loans | $44,800,000 | 4,806 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6320% | 4,533 |
| Cost of funding earning assets | 0.1223% | 5,798 |
| Net interest margin | 3.5096% | 3,436 |
| Noninterest income to average assets | 0.8218% | 1,552 |
| Noninterest expense to average assets | 3.3575% | 1,472 |
| Loan and lease loss provision to assets | 0.2113% | 918 |
| Net operating income to assets | 0.5087% | 4,595 |
| Return on assets (ROA) | 0.5713% | 4,423 |
| Pretax return on assets | 0.5713% | 4,898 |
| Return on Equity (ROE) | 5.6311% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.6311% | 2,564 |
| Net charge-offs to loans | 0.6506% | 333 |
| Credit loss provision to net charge-offs | 75.0000% | 1,868 |
| Earnings coverage of net charge-offs (x) | 2.5556% | 2,667 |
| Efficiency ratio | 81.1900% | 1,464 |
| Assets per employee ($millions) | 3.2295% | 5,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3894% | 2,473 |
| Loan loss allowance to noncurrent loans | 107.9310% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5612% | 3,387 |
| Noncurrent loans to loans | 1.2873% | 1,876 |
| Net loans and leases to total assets | 42.9928% | 5,298 |
| Net loans and leases to deposits | 47.9298% | 5,419 |
| Net loans and leases to core deposits | 51.5944% | 5,371 |
| Total domestic deposits to total assets | 89.6994% | 734 |
| Equity capital to assets | 10.1458% | 3,903 |
| Core capital (leverage) ratio | 8.6557% | 5,224 |
| Tier 1 risk-based capital ratio | 16.9977% | 2,289 |
| Total risk-based capital ratio | 18.2245% | 2,252 |
| Memoranda: | ||
| Average total assets | $102,218,000 | 4,424 |
| Average earning assets | $94,824,500 | 4,403 |
| Average equity | $10,371,000 | 4,600 |
| Average total loans | $44,269,000 | 4,862 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6791% | 4,428 |
| Cost of funding earning assets | 0.1191% | 5,884 |
| Net interest margin | 3.5600% | 3,282 |
| Noninterest income to average assets | 0.8035% | 1,774 |
| Noninterest expense to average assets | 3.5237% | 1,254 |
| Loan and lease loss provision to assets | 0.1951% | 1,120 |
| Net operating income to assets | 0.4113% | 5,018 |
| Return on assets (ROA) | 0.4113% | 5,100 |
| Pretax return on assets | 0.4113% | 5,296 |
| Return on Equity (ROE) | 3.9991% | 4,946 |
| Retained earnings to average equity (ytd only) | 3.4219% | 3,619 |
| Net charge-offs to loans | 0.0403% | 3,417 |
| Credit loss provision to net charge-offs | 1,226.6667% | 273 |
| Earnings coverage of net charge-offs (x) | 38.1333% | 1,216 |
| Efficiency ratio | 84.7023% | 1,123 |
| Assets per employee ($millions) | 3.0634% | 5,463 |
| Cash dividends to net income (ytd only)* | 14.4330% | 3,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4788% | 2,109 |
| Loan loss allowance to noncurrent loans | 382.7381% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.1662% | 4,937 |
| Noncurrent loans to loans | 0.3864% | 4,067 |
| Net loans and leases to total assets | 42.3758% | 5,385 |
| Net loans and leases to deposits | 47.2242% | 5,509 |
| Net loans and leases to core deposits | 49.8493% | 5,505 |
| Total domestic deposits to total assets | 89.7332% | 738 |
| Equity capital to assets | 10.1461% | 3,810 |
| Core capital (leverage) ratio | 8.6399% | 5,290 |
| Tier 1 risk-based capital ratio | 17.5890% | 2,098 |
| Total risk-based capital ratio | 18.8394% | 2,045 |
| Memoranda: | ||
| Average total assets | $94,333,000 | 4,574 |
| Average earning assets | $88,146,800 | 4,536 |
| Average equity | $9,702,200 | 4,708 |
| Average total loans | $37,235,800 | 5,111 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6537% | 4,566 |
| Cost of funding earning assets | 0.1168% | 5,990 |
| Net interest margin | 3.5369% | 3,398 |
| Noninterest income to average assets | 0.8333% | 1,677 |
| Noninterest expense to average assets | 3.4900% | 1,306 |
| Loan and lease loss provision to assets | 0.1871% | 1,094 |
| Net operating income to assets | 0.4677% | 4,905 |
| Return on assets (ROA) | 0.4677% | 5,005 |
| Pretax return on assets | 0.4677% | 5,300 |
| Return on Equity (ROE) | 4.5310% | 4,821 |
| Retained earnings to average equity (ytd only) | 3.7503% | 3,806 |
| Net charge-offs to loans | 0.0486% | 2,919 |
| Credit loss provision to net charge-offs | 1,000.0000% | 358 |
| Earnings coverage of net charge-offs (x) | 35.0058% | 1,360 |
| Efficiency ratio | 84.2014% | 1,148 |
| Assets per employee ($millions) | 3.2551% | 5,204 |
| Cash dividends to net income (ytd only)* | 17.2298% | 3,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3571% | 2,809 |
| Loan loss allowance to noncurrent loans | 635.4839% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.1613% | 5,117 |
| Noncurrent loans to loans | 0.2136% | 4,799 |
| Net loans and leases to total assets | 41.2415% | 5,530 |
| Net loans and leases to deposits | 45.8586% | 5,655 |
| Net loans and leases to core deposits | 47.2710% | 5,683 |
| Total domestic deposits to total assets | 89.9320% | 599 |
| Equity capital to assets | 9.7953% | 4,401 |
| Core capital (leverage) ratio | 8.3605% | 5,665 |
| Tier 1 risk-based capital ratio | 17.3445% | 2,241 |
| Total risk-based capital ratio | 18.5427% | 2,213 |
| Memoranda: | ||
| Average total assets | $92,643,000 | 4,661 |
| Average earning assets | $86,740,500 | 4,613 |
| Average equity | $9,563,500 | 4,793 |
| Average total loans | $35,674,250 | 5,227 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5597% | 4,837 |
| Cost of funding earning assets | 0.1151% | 6,063 |
| Net interest margin | 3.4445% | 3,739 |
| Noninterest income to average assets | 0.7883% | 1,827 |
| Noninterest expense to average assets | 3.4278% | 1,424 |
| Loan and lease loss provision to assets | 0.1712% | 1,222 |
| Net operating income to assets | 0.4234% | 5,073 |
| Return on assets (ROA) | 0.4234% | 5,173 |
| Pretax return on assets | 0.4234% | 5,420 |
| Return on Equity (ROE) | 4.0212% | 5,009 |
| Retained earnings to average equity (ytd only) | 4.0212% | 3,452 |
| Net charge-offs to loans | 0.0303% | 3,057 |
| Credit loss provision to net charge-offs | 1,520.0000% | 232 |
| Earnings coverage of net charge-offs (x) | 52.8000% | 917 |
| Efficiency ratio | 85.2184% | 1,128 |
| Assets per employee ($millions) | 3.2003% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2987% | 3,250 |
| Loan loss allowance to noncurrent loans | 125.5760% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 4,221 |
| Noncurrent loans to loans | 1.0342% | 2,580 |
| Net loans and leases to total assets | 40.4466% | 5,603 |
| Net loans and leases to deposits | 44.8877% | 5,727 |
| Net loans and leases to core deposits | 46.4705% | 5,745 |
| Total domestic deposits to total assets | 90.1063% | 614 |
| Equity capital to assets | 9.6974% | 4,401 |
| Core capital (leverage) ratio | 8.1835% | 5,800 |
| Tier 1 risk-based capital ratio | 18.1780% | 2,016 |
| Total risk-based capital ratio | 19.3887% | 1,988 |
| Memoranda: | ||
| Average total assets | $88,803,330 | 4,795 |
| Average earning assets | $83,378,330 | 4,752 |
| Average equity | $9,350,330 | 4,868 |
| Average total loans | $33,049,330 | 5,370 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2117% | 5,630 |
| Cost of funding earning assets | 0.1081% | 6,172 |
| Net interest margin | 3.1036% | 4,935 |
| Noninterest income to average assets | 0.6732% | 2,290 |
| Noninterest expense to average assets | 3.2390% | 1,876 |
| Loan and lease loss provision to assets | 0.1707% | 1,158 |
| Net operating income to assets | 0.2049% | 5,674 |
| Return on assets (ROA) | 0.2049% | 5,764 |
| Pretax return on assets | 0.2049% | 5,818 |
| Return on Equity (ROE) | 1.8543% | 5,719 |
| Retained earnings to average equity (ytd only) | 1.8543% | 4,728 |
| Net charge-offs to loans | 0.0420% | 2,393 |
| Credit loss provision to net charge-offs | 1,166.6667% | 298 |
| Earnings coverage of net charge-offs (x) | 25.6667% | 1,260 |
| Efficiency ratio | 89.6086% | 881 |
| Assets per employee ($millions) | 3.4770% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7237% | 1,678 |
| Loan loss allowance to noncurrent loans | 122.7603% | 3,212 |
| Noncurrent assets plus other real estate owned to assets | 0.4949% | 4,043 |
| Noncurrent loans to loans | 1.4041% | 2,044 |
| Net loans and leases to total assets | 34.6395% | 5,897 |
| Net loans and leases to deposits | 39.3488% | 5,938 |
| Net loans and leases to core deposits | 40.6863% | 5,950 |
| Total domestic deposits to total assets | 88.0321% | 1,802 |
| Equity capital to assets | 11.8097% | 2,184 |
| Core capital (leverage) ratio | 11.3240% | 2,135 |
| Tier 1 risk-based capital ratio | 27.2404% | 696 |
| Total risk-based capital ratio | 28.4939% | 676 |
| Memoranda: | ||
| Average total assets | $82,000,500 | 4,987 |
| Average earning assets | $77,715,000 | 4,927 |
| Average equity | $9,060,000 | 4,974 |
| Average total loans | $28,591,000 | 5,572 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3582% | 5,612 |
| Cost of funding earning assets | 0.1166% | 6,265 |
| Net interest margin | 3.2416% | 4,786 |
| Noninterest income to average assets | 0.9068% | 1,482 |
| Noninterest expense to average assets | 3.1537% | 2,346 |
| Loan and lease loss provision to assets | 0.2434% | 954 |
| Net operating income to assets | 0.5666% | 4,524 |
| Return on assets (ROA) | 0.6216% | 4,374 |
| Pretax return on assets | 0.6216% | 4,866 |
| Return on Equity (ROE) | 5.9271% | 4,185 |
| Retained earnings to average equity (ytd only) | 4.7417% | 2,802 |
| Net charge-offs to loans | 0.0742% | 3,426 |
| Credit loss provision to net charge-offs | 930.0000% | 291 |
| Earnings coverage of net charge-offs (x) | 30.9500% | 1,304 |
| Efficiency ratio | 79.5642% | 1,998 |
| Assets per employee ($millions) | 3.3564% | 5,146 |
| Cash dividends to net income (ytd only)* | 20.0000% | 3,812 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7105% | 1,748 |
| Loan loss allowance to noncurrent loans | 110.7226% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 4,021 |
| Noncurrent loans to loans | 1.5449% | 1,895 |
| Net loans and leases to total assets | 33.8833% | 6,042 |
| Net loans and leases to deposits | 37.7986% | 6,112 |
| Net loans and leases to core deposits | 38.8826% | 6,128 |
| Total domestic deposits to total assets | 89.6416% | 905 |
| Equity capital to assets | 10.2603% | 3,775 |
| Core capital (leverage) ratio | 9.0104% | 4,986 |
| Tier 1 risk-based capital ratio | 23.9541% | 964 |
| Total risk-based capital ratio | 25.2049% | 940 |
| Memoranda: | ||
| Average total assets | $76,419,200 | 5,144 |
| Average earning assets | $72,062,200 | 5,087 |
| Average equity | $8,014,000 | 5,194 |
| Average total loans | $26,959,200 | 5,699 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3637% | 5,648 |
| Cost of funding earning assets | 0.1183% | 6,342 |
| Net interest margin | 3.2455% | 4,806 |
| Noninterest income to average assets | 0.9515% | 1,362 |
| Noninterest expense to average assets | 3.0986% | 2,472 |
| Loan and lease loss provision to assets | 0.2671% | 791 |
| Net operating income to assets | 0.6438% | 4,243 |
| Return on assets (ROA) | 0.7181% | 3,951 |
| Pretax return on assets | 0.7181% | 4,643 |
| Return on Equity (ROE) | 6.8080% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.2150% | 2,943 |
| Net charge-offs to loans | 0.0648% | 3,278 |
| Credit loss provision to net charge-offs | 1,161.5385% | 295 |
| Earnings coverage of net charge-offs (x) | 39.6220% | 1,139 |
| Efficiency ratio | 77.2828% | 2,304 |
| Assets per employee ($millions) | 3.3765% | 5,083 |
| Cash dividends to net income (ytd only)* | 23.3984% | 3,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5887% | 2,338 |
| Loan loss allowance to noncurrent loans | 44,600.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 6,211 |
| Noncurrent loans to loans | 0.0036% | 6,033 |
| Net loans and leases to total assets | 34.0923% | 6,111 |
| Net loans and leases to deposits | 38.0071% | 6,183 |
| Net loans and leases to core deposits | 38.8987% | 6,211 |
| Total domestic deposits to total assets | 89.6996% | 876 |
| Equity capital to assets | 10.0375% | 4,121 |
| Core capital (leverage) ratio | 10.4725% | 3,073 |
| Tier 1 risk-based capital ratio | 23.2844% | 1,080 |
| Total risk-based capital ratio | 24.5348% | 1,062 |
| Memoranda: | ||
| Average total assets | $75,385,750 | 5,219 |
| Average earning assets | $71,031,000 | 5,157 |
| Average equity | $7,951,250 | 5,253 |
| Average total loans | $26,756,750 | 5,769 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4238% | 5,572 |
| Cost of funding earning assets | 0.1216% | 6,406 |
| Net interest margin | 3.3022% | 4,577 |
| Noninterest income to average assets | 1.0204% | 1,145 |
| Noninterest expense to average assets | 3.1346% | 2,376 |
| Loan and lease loss provision to assets | 0.3184% | 602 |
| Net operating income to assets | 0.6721% | 3,981 |
| Return on assets (ROA) | 0.7864% | 3,497 |
| Pretax return on assets | 0.7864% | 4,329 |
| Return on Equity (ROE) | 7.3254% | 3,455 |
| Retained earnings to average equity (ytd only) | 4.9174% | 3,012 |
| Net charge-offs to loans | 0.0456% | 3,326 |
| Credit loss provision to net charge-offs | 1,950.0000% | 192 |
| Earnings coverage of net charge-offs (x) | 60.6667% | 800 |
| Efficiency ratio | 75.9894% | 2,635 |
| Assets per employee ($millions) | 3.2386% | 5,361 |
| Cash dividends to net income (ytd only)* | 32.8720% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 2,869 |
| Loan loss allowance to noncurrent loans | 41,900.0000% | 16 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 6,279 |
| Noncurrent loans to loans | 0.0036% | 6,101 |
| Net loans and leases to total assets | 36.7863% | 6,017 |
| Net loans and leases to deposits | 41.3220% | 6,099 |
| Net loans and leases to core deposits | 42.3856% | 6,135 |
| Total domestic deposits to total assets | 89.0236% | 1,336 |
| Equity capital to assets | 10.7603% | 3,135 |
| Core capital (leverage) ratio | 10.2535% | 3,264 |
| Tier 1 risk-based capital ratio | 24.0773% | 971 |
| Total risk-based capital ratio | 25.3274% | 953 |
| Memoranda: | ||
| Average total assets | $73,502,330 | 5,297 |
| Average earning assets | $69,104,670 | 5,239 |
| Average equity | $7,890,330 | 5,296 |
| Average total loans | $26,318,000 | 5,831 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3554% | 5,739 |
| Cost of funding earning assets | 0.1221% | 6,487 |
| Net interest margin | 3.2332% | 4,805 |
| Noninterest income to average assets | 0.7561% | 1,934 |
| Noninterest expense to average assets | 3.0516% | 2,689 |
| Loan and lease loss provision to assets | 0.0877% | 2,454 |
| Net operating income to assets | 0.6629% | 3,878 |
| Return on assets (ROA) | 0.8930% | 2,752 |
| Pretax return on assets | 0.8930% | 3,723 |
| Return on Equity (ROE) | 8.3291% | 2,778 |
| Retained earnings to average equity (ytd only) | 8.3291% | 1,486 |
| Net charge-offs to loans | 0.0939% | 2,228 |
| Credit loss provision to net charge-offs | 266.6667% | 859 |
| Earnings coverage of net charge-offs (x) | 22.8333% | 1,237 |
| Efficiency ratio | 80.2594% | 2,171 |
| Assets per employee ($millions) | 3.3987% | 5,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 4,721 |
| 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 | 32.5826% | 6,244 |
| Net loans and leases to deposits | 36.2242% | 6,307 |
| Net loans and leases to core deposits | 37.0644% | 6,333 |
| Total domestic deposits to total assets | 89.9470% | 1,097 |
| Equity capital to assets | 9.8139% | 4,084 |
| Core capital (leverage) ratio | 10.5676% | 2,851 |
| Tier 1 risk-based capital ratio | 23.0538% | 1,135 |
| Total risk-based capital ratio | 24.0093% | 1,156 |
| Memoranda: | ||
| Average total assets | $73,010,000 | 5,367 |
| Average earning assets | $68,785,500 | 5,297 |
| Average equity | $7,828,000 | 5,339 |
| Average total loans | $25,567,000 | 5,909 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5799% | 5,458 |
| Cost of funding earning assets | 0.1655% | 6,469 |
| Net interest margin | 3.4144% | 4,221 |
| Noninterest income to average assets | 0.8168% | 1,999 |
| Noninterest expense to average assets | 3.4669% | 1,735 |
| Loan and lease loss provision to assets | 0.0368% | 4,384 |
| Net operating income to assets | 0.4460% | 4,973 |
| Return on assets (ROA) | 0.4587% | 5,042 |
| Pretax return on assets | 0.4587% | 5,326 |
| Return on Equity (ROE) | 3.6369% | 5,264 |
| Retained earnings to average equity (ytd only) | 2.4964% | 4,481 |
| Net charge-offs to loans | 0.1165% | 3,645 |
| Credit loss provision to net charge-offs | 95.8333% | 2,607 |
| Earnings coverage of net charge-offs (x) | 12.5833% | 2,108 |
| Efficiency ratio | 87.7782% | 1,241 |
| Assets per employee ($millions) | 2.8023% | 6,105 |
| Cash dividends to net income (ytd only)* | 31.3589% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 4,289 |
| Loan loss allowance to noncurrent loans | 267.8261% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.1784% | 5,779 |
| Noncurrent loans to loans | 0.4744% | 4,808 |
| Net loans and leases to total assets | 37.1300% | 6,149 |
| Net loans and leases to deposits | 42.2458% | 6,212 |
| Net loans and leases to core deposits | 43.3250% | 6,258 |
| Total domestic deposits to total assets | 87.8902% | 2,242 |
| Equity capital to assets | 11.8708% | 1,886 |
| Core capital (leverage) ratio | 11.5718% | 1,908 |
| Tier 1 risk-based capital ratio | 26.8761% | 690 |
| Total risk-based capital ratio | 27.9784% | 692 |
| Memoranda: | ||
| Average total assets | $62,562,800 | 5,689 |
| Average earning assets | $57,403,400 | 5,669 |
| Average equity | $7,891,400 | 5,367 |
| Average total loans | $20,594,000 | 6,171 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4930% | 5,703 |
| Cost of funding earning assets | 0.1764% | 6,518 |
| Net interest margin | 3.3166% | 4,580 |
| Noninterest income to average assets | 0.8138% | 2,077 |
| Noninterest expense to average assets | 3.4594% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3822% | 5,322 |
| Return on assets (ROA) | 0.3822% | 5,461 |
| Pretax return on assets | 0.3822% | 5,676 |
| Return on Equity (ROE) | 2.9847% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.3475% | 4,920 |
| Net charge-offs to loans | 0.0880% | 3,692 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 13.6947% | 2,006 |
| Efficiency ratio | 90.0503% | 987 |
| Assets per employee ($millions) | 3.0210% | 5,812 |
| Cash dividends to net income (ytd only)* | 21.3500% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4080% | 3,859 |
| Loan loss allowance to noncurrent loans | 405.4795% | 1,067 |
| Noncurrent assets plus other real estate owned to assets | 0.1151% | 6,091 |
| Noncurrent loans to loans | 0.3472% | 5,340 |
| Net loans and leases to total assets | 32.6718% | 6,422 |
| Net loans and leases to deposits | 37.2882% | 6,464 |
| Net loans and leases to core deposits | 37.9810% | 6,505 |
| Total domestic deposits to total assets | 87.6198% | 2,351 |
| Equity capital to assets | 12.0429% | 1,892 |
| Core capital (leverage) ratio | 11.9033% | 1,737 |
| Tier 1 risk-based capital ratio | 28.5632% | 587 |
| Total risk-based capital ratio | 29.6976% | 583 |
| Memoranda: | ||
| Average total assets | $62,090,500 | 5,765 |
| Average earning assets | $56,683,000 | 5,748 |
| Average equity | $7,951,500 | 5,403 |
| Average total loans | $19,682,750 | 6,285 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4567% | 5,778 |
| Cost of funding earning assets | 0.1938% | 6,507 |
| Net interest margin | 3.2629% | 4,719 |
| Noninterest income to average assets | 0.7949% | 2,209 |
| Noninterest expense to average assets | 3.4685% | 1,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2758% | 5,685 |
| Return on assets (ROA) | 0.2758% | 5,821 |
| Pretax return on assets | 0.2758% | 5,940 |
| Return on Equity (ROE) | 2.1104% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.7876% | 5,118 |
| Net charge-offs to loans | 0.1040% | 3,321 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 8.5000% | 2,391 |
| Efficiency ratio | 92.6343% | 847 |
| Assets per employee ($millions) | 3.0842% | 5,711 |
| Cash dividends to net income (ytd only)* | 15.2941% | 3,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 3,619 |
| Loan loss allowance to noncurrent loans | 266.9643% | 1,559 |
| Noncurrent assets plus other real estate owned to assets | 0.1816% | 5,953 |
| Noncurrent loans to loans | 0.5591% | 4,861 |
| Net loans and leases to total assets | 31.9921% | 6,508 |
| Net loans and leases to deposits | 36.6571% | 6,535 |
| Net loans and leases to core deposits | 37.3601% | 6,562 |
| Total domestic deposits to total assets | 87.2738% | 2,676 |
| Equity capital to assets | 12.2901% | 1,711 |
| Core capital (leverage) ratio | 11.9045% | 1,669 |
| Tier 1 risk-based capital ratio | 28.8471% | 581 |
| Total risk-based capital ratio | 30.0152% | 576 |
| Memoranda: | ||
| Average total assets | $61,640,670 | 5,817 |
| Average earning assets | $55,718,000 | 5,804 |
| Average equity | $8,055,330 | 5,415 |
| Average total loans | $19,236,000 | 6,345 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4964% | 5,712 |
| Cost of funding earning assets | 0.2121% | 6,522 |
| Net interest margin | 3.2843% | 4,578 |
| Noninterest income to average assets | 0.7400% | 2,375 |
| Noninterest expense to average assets | 3.5963% | 1,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0584% | 6,232 |
| Return on assets (ROA) | 0.0584% | 6,318 |
| Pretax return on assets | 0.0584% | 6,326 |
| Return on Equity (ROE) | 0.4341% | 6,341 |
| Retained earnings to average equity (ytd only) | 0.0965% | 5,746 |
| Net charge-offs to loans | 0.3610% | 1,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.5294% | 3,643 |
| Efficiency ratio | 98.4014% | 619 |
| Assets per employee ($millions) | 3.1297% | 5,768 |
| Cash dividends to net income (ytd only)* | 77.7778% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 3,626 |
| Loan loss allowance to noncurrent loans | 66.0633% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 0.7061% | 4,610 |
| Noncurrent loans to loans | 2.3437% | 2,228 |
| Net loans and leases to total assets | 29.6626% | 6,618 |
| Net loans and leases to deposits | 34.3547% | 6,624 |
| Net loans and leases to core deposits | 36.0349% | 6,621 |
| Total domestic deposits to total assets | 86.3421% | 3,336 |
| Equity capital to assets | 13.2025% | 1,340 |
| Core capital (leverage) ratio | 12.0066% | 1,559 |
| Tier 1 risk-based capital ratio | 29.3563% | 562 |
| Total risk-based capital ratio | 30.5281% | 559 |
| Memoranda: | ||
| Average total assets | $61,619,000 | 5,873 |
| Average earning assets | $54,685,000 | 5,885 |
| Average equity | $8,292,500 | 5,414 |
| Average total loans | $18,837,500 | 6,414 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9006% | 5,569 |
| Cost of funding earning assets | 0.3159% | 6,378 |
| Net interest margin | 3.5847% | 4,159 |
| Noninterest income to average assets | 0.6983% | 2,734 |
| Noninterest expense to average assets | 3.2120% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6211% | 4,137 |
| Return on assets (ROA) | 0.8013% | 3,532 |
| Pretax return on assets | 0.8013% | 4,288 |
| Return on Equity (ROE) | 5.7050% | 4,300 |
| Retained earnings to average equity (ytd only) | 3.9825% | 3,399 |
| Net charge-offs to loans | -0.0284% | 6,608 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7959% | 1,653 |
| Assets per employee ($millions) | 2.6367% | 6,500 |
| Cash dividends to net income (ytd only)* | 30.1927% | 3,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6422% | 3,140 |
| Loan loss allowance to noncurrent loans | 78.8265% | 3,951 |
| Noncurrent assets plus other real estate owned to assets | 0.6794% | 4,787 |
| Noncurrent loans to loans | 2.0833% | 2,599 |
| Net loans and leases to total assets | 30.5174% | 6,683 |
| Net loans and leases to deposits | 35.5746% | 6,692 |
| Net loans and leases to core deposits | 36.5044% | 6,716 |
| Total domestic deposits to total assets | 85.7842% | 3,469 |
| Equity capital to assets | 13.7211% | 1,144 |
| Core capital (leverage) ratio | 12.5502% | 1,304 |
| Tier 1 risk-based capital ratio | 29.0394% | 556 |
| Total risk-based capital ratio | 30.2664% | 548 |
| Memoranda: | ||
| Average total assets | $58,280,800 | 5,964 |
| Average earning assets | $50,966,000 | 6,012 |
| Average equity | $8,185,800 | 5,447 |
| Average total loans | $17,598,000 | 6,531 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 5,665 |
| Cost of funding earning assets | 0.3344% | 6,444 |
| Net interest margin | 3.6130% | 4,179 |
| Noninterest income to average assets | 0.6656% | 2,898 |
| Noninterest expense to average assets | 3.1062% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7557% | 3,668 |
| Return on assets (ROA) | 0.8806% | 3,322 |
| Pretax return on assets | 0.8806% | 4,191 |
| Return on Equity (ROE) | 6.2315% | 4,211 |
| Retained earnings to average equity (ytd only) | 4.3997% | 3,794 |
| Net charge-offs to loans | 0.0077% | 5,618 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 327.8120% | 139 |
| Efficiency ratio | 80.4309% | 2,028 |
| Assets per employee ($millions) | 2.9583% | 6,116 |
| Cash dividends to net income (ytd only)* | 29.3962% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 3,019 |
| Loan loss allowance to noncurrent loans | 91.5408% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 5,187 |
| Noncurrent loans to loans | 1.8953% | 2,970 |
| Net loans and leases to total assets | 29.0048% | 6,846 |
| Net loans and leases to deposits | 34.0031% | 6,869 |
| Net loans and leases to core deposits | 34.9177% | 6,879 |
| Total domestic deposits to total assets | 85.3007% | 3,616 |
| Equity capital to assets | 14.1838% | 1,085 |
| Core capital (leverage) ratio | 12.3826% | 1,454 |
| Tier 1 risk-based capital ratio | 30.0781% | 532 |
| Total risk-based capital ratio | 31.3276% | 519 |
| Memoranda: | ||
| Average total assets | $57,690,000 | 6,046 |
| Average earning assets | $51,036,750 | 6,085 |
| Average equity | $8,152,000 | 5,505 |
| Average total loans | $17,293,500 | 6,624 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9705% | 5,728 |
| Cost of funding earning assets | 0.3464% | 6,524 |
| Net interest margin | 3.6240% | 4,170 |
| Noninterest income to average assets | 0.6539% | 2,933 |
| Noninterest expense to average assets | 3.1015% | 2,924 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8077% | 3,363 |
| Return on assets (ROA) | 0.9965% | 2,704 |
| Pretax return on assets | 0.9965% | 3,723 |
| Return on Equity (ROE) | 7.0614% | 3,748 |
| Retained earnings to average equity (ytd only) | 5.0793% | 3,238 |
| Net charge-offs to loans | -0.0232% | 6,461 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3381% | 2,283 |
| Assets per employee ($millions) | 2.8281% | 6,362 |
| Cash dividends to net income (ytd only)* | 28.0702% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6870% | 3,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 6,749 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 31.5282% | 6,830 |
| Net loans and leases to deposits | 36.9045% | 6,844 |
| Net loans and leases to core deposits | 37.9409% | 6,872 |
| Total domestic deposits to total assets | 85.4319% | 3,650 |
| Equity capital to assets | 14.3223% | 972 |
| Core capital (leverage) ratio | 12.5811% | 1,319 |
| Tier 1 risk-based capital ratio | 30.1000% | 513 |
| Total risk-based capital ratio | 31.3489% | 508 |
| Memoranda: | ||
| Average total assets | $57,198,000 | 6,103 |
| Average earning assets | $51,379,330 | 6,110 |
| Average equity | $8,072,000 | 5,546 |
| Average total loans | $17,236,670 | 6,681 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9756% | 5,839 |
| Cost of funding earning assets | 0.3614% | 6,593 |
| Net interest margin | 3.6142% | 4,205 |
| Noninterest income to average assets | 0.6120% | 3,150 |
| Noninterest expense to average assets | 3.0531% | 3,071 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8276% | 3,270 |
| Return on assets (ROA) | 1.0710% | 2,389 |
| Pretax return on assets | 1.0710% | 3,427 |
| Return on Equity (ROE) | 7.6451% | 3,433 |
| Retained earnings to average equity (ytd only) | 5.6593% | 3,165 |
| Net charge-offs to loans | -0.0238% | 6,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6738% | 2,405 |
| Assets per employee ($millions) | 2.9763% | 6,196 |
| Cash dividends to net income (ytd only)* | 25.9740% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 3,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 6,818 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 31.6858% | 6,844 |
| Net loans and leases to deposits | 37.0912% | 6,851 |
| Net loans and leases to core deposits | 38.1299% | 6,879 |
| Total domestic deposits to total assets | 85.4268% | 3,824 |
| Equity capital to assets | 14.3044% | 920 |
| Core capital (leverage) ratio | 12.3486% | 1,411 |
| Tier 1 risk-based capital ratio | 28.7975% | 581 |
| Total risk-based capital ratio | 30.0446% | 572 |
| Memoranda: | ||
| Average total assets | $57,516,000 | 6,128 |
| Average earning assets | $52,017,500 | 6,133 |
| Average equity | $8,057,500 | 5,582 |
| Average total loans | $16,785,500 | 6,759 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 6,383 |
| Cost of funding earning assets | 0.6119% | 6,037 |
| Net interest margin | 3.4278% | 5,398 |
| Noninterest income to average assets | 0.5400% | 3,586 |
| Noninterest expense to average assets | 2.7966% | 4,361 |
| Loan and lease loss provision to assets | 0.0460% | 6,000 |
| Net operating income to assets | 0.8253% | 2,927 |
| Return on assets (ROA) | 1.4696% | 965 |
| Pretax return on assets | 1.4696% | 1,561 |
| Return on Equity (ROE) | 12.3466% | 1,315 |
| Retained earnings to average equity (ytd only) | 8.8669% | 841 |
| Net charge-offs to loans | 0.1961% | 4,575 |
| Credit loss provision to net charge-offs | 103.4483% | 3,343 |
| Earnings coverage of net charge-offs (x) | 19.5862% | 1,164 |
| Efficiency ratio | 76.2442% | 2,849 |
| Assets per employee ($millions) | 2.9242% | 6,240 |
| Cash dividends to net income (ytd only)* | 28.1837% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9807% | 2,340 |
| Loan loss allowance to noncurrent loans | 760.0000% | 495 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 6,702 |
| Noncurrent loans to loans | 0.2606% | 6,204 |
| Net loans and leases to total assets | 25.7237% | 7,125 |
| Net loans and leases to deposits | 29.9222% | 7,135 |
| Net loans and leases to core deposits | 30.7240% | 7,139 |
| Total domestic deposits to total assets | 85.9686% | 3,338 |
| Equity capital to assets | 13.7236% | 1,164 |
| Core capital (leverage) ratio | 12.0141% | 1,586 |
| Tier 1 risk-based capital ratio | 30.6024% | 486 |
| Total risk-based capital ratio | 31.8523% | 479 |
| Memoranda: | ||
| Average total assets | $65,186,400 | 5,892 |
| Average earning assets | $59,485,000 | 5,878 |
| Average equity | $7,759,200 | 5,639 |
| Average total loans | $14,790,600 | 6,912 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1446% | 6,325 |
| Cost of funding earning assets | 0.6849% | 5,852 |
| Net interest margin | 3.4597% | 5,359 |
| Noninterest income to average assets | 0.5464% | 3,536 |
| Noninterest expense to average assets | 2.6900% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0090% | 2,285 |
| Return on assets (ROA) | 1.7408% | 637 |
| Pretax return on assets | 1.7408% | 1,061 |
| Return on Equity (ROE) | 15.1312% | 824 |
| Retained earnings to average equity (ytd only) | 12.4274% | 449 |
| Net charge-offs to loans | 0.1092% | 4,909 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 42.1656% | 744 |
| Efficiency ratio | 72.7224% | 3,418 |
| Assets per employee ($millions) | 2.9156% | 6,281 |
| Cash dividends to net income (ytd only)* | 17.8690% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0768% | 2,125 |
| Loan loss allowance to noncurrent loans | 3,233.3333% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0497% | 6,921 |
| Noncurrent loans to loans | 0.0642% | 6,767 |
| Net loans and leases to total assets | 23.5307% | 7,240 |
| Net loans and leases to deposits | 27.6377% | 7,249 |
| Net loans and leases to core deposits | 28.3861% | 7,251 |
| Total domestic deposits to total assets | 85.1400% | 3,702 |
| Equity capital to assets | 14.2495% | 1,067 |
| Core capital (leverage) ratio | 10.5774% | 2,784 |
| Tier 1 risk-based capital ratio | 32.9482% | 420 |
| Total risk-based capital ratio | 34.1983% | 415 |
| Memoranda: | ||
| Average total assets | $66,862,250 | 5,880 |
| Average earning assets | $60,929,000 | 5,874 |
| Average equity | $7,692,500 | 5,695 |
| Average total loans | $14,651,250 | 6,986 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0288% | 6,616 |
| Cost of funding earning assets | 0.7164% | 5,858 |
| Net interest margin | 3.3124% | 5,819 |
| Noninterest income to average assets | 0.5078% | 3,796 |
| Noninterest expense to average assets | 2.5677% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0041% | 2,214 |
| Return on assets (ROA) | 1.4316% | 1,077 |
| Pretax return on assets | 1.4316% | 1,719 |
| Return on Equity (ROE) | 13.3298% | 1,129 |
| Retained earnings to average equity (ytd only) | 11.7804% | 553 |
| Net charge-offs to loans | 0.1076% | 4,614 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 43.7500% | 695 |
| Efficiency ratio | 71.8876% | 3,757 |
| Assets per employee ($millions) | 3.9106% | 3,967 |
| Cash dividends to net income (ytd only)* | 11.6232% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0219% | 2,305 |
| Loan loss allowance to noncurrent loans | 421.4286% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.1279% | 6,776 |
| Noncurrent loans to loans | 0.4798% | 5,946 |
| Net loans and leases to total assets | 20.3083% | 7,363 |
| Net loans and leases to deposits | 23.1221% | 7,383 |
| Net loans and leases to core deposits | 23.4137% | 7,384 |
| Total domestic deposits to total assets | 87.8307% | 2,258 |
| Equity capital to assets | 11.4363% | 2,566 |
| Core capital (leverage) ratio | 9.1136% | 4,544 |
| Tier 1 risk-based capital ratio | 27.2583% | 712 |
| Total risk-based capital ratio | 28.4619% | 703 |
| Memoranda: | ||
| Average total assets | $69,712,670 | 5,836 |
| Average earning assets | $64,485,670 | 5,806 |
| Average equity | $7,487,000 | 5,775 |
| Average total loans | $14,864,330 | 7,044 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9471% | 6,768 |
| Cost of funding earning assets | 0.7335% | 5,959 |
| Net interest margin | 3.2136% | 6,030 |
| Noninterest income to average assets | 0.4901% | 3,969 |
| Noninterest expense to average assets | 2.5427% | 5,412 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9283% | 2,451 |
| Return on assets (ROA) | 0.9571% | 2,391 |
| Pretax return on assets | 0.9571% | 3,293 |
| Return on Equity (ROE) | 9.2152% | 2,379 |
| Retained earnings to average equity (ytd only) | 9.2152% | 1,313 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2558% | 3,642 |
| Assets per employee ($millions) | 3.9960% | 3,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0551% | 2,279 |
| Loan loss allowance to noncurrent loans | 426.7606% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1199% | 6,867 |
| Noncurrent loans to loans | 0.4816% | 6,055 |
| Net loans and leases to total assets | 19.0203% | 7,439 |
| Net loans and leases to deposits | 21.1599% | 7,458 |
| Net loans and leases to core deposits | 21.4004% | 7,457 |
| Total domestic deposits to total assets | 89.8886% | 1,218 |
| Equity capital to assets | 9.6662% | 4,228 |
| Core capital (leverage) ratio | 8.7658% | 4,977 |
| Tier 1 risk-based capital ratio | 24.6584% | 914 |
| Total risk-based capital ratio | 25.8246% | 902 |
| Memoranda: | ||
| Average total assets | $69,374,000 | 5,880 |
| Average earning assets | $64,351,500 | 5,846 |
| Average equity | $7,205,500 | 5,868 |
| Average total loans | $15,001,500 | 7,092 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7198% | 7,298 |
| Cost of funding earning assets | 0.7881% | 6,619 |
| Net interest margin | 2.9318% | 6,851 |
| Noninterest income to average assets | 0.6890% | 2,907 |
| Noninterest expense to average assets | 2.8429% | 4,428 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5017% | 4,089 |
| Return on assets (ROA) | 0.7572% | 3,089 |
| Pretax return on assets | 0.7572% | 3,772 |
| Return on Equity (ROE) | 6.8468% | 3,186 |
| Retained earnings to average equity (ytd only) | 4.8586% | 2,505 |
| Net charge-offs to loans | -0.1407% | 7,524 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0000% | 1,798 |
| Assets per employee ($millions) | 3.1412% | 5,787 |
| Cash dividends to net income (ytd only)* | 29.0389% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9857% | 2,339 |
| Loan loss allowance to noncurrent loans | 112.6394% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.4600% | 6,128 |
| Noncurrent loans to loans | 1.7629% | 3,867 |
| Net loans and leases to total assets | 23.8062% | 7,473 |
| Net loans and leases to deposits | 27.0261% | 7,502 |
| Net loans and leases to core deposits | 27.4050% | 7,503 |
| Total domestic deposits to total assets | 88.0858% | 2,198 |
| Equity capital to assets | 11.2568% | 2,447 |
| Core capital (leverage) ratio | 10.2096% | 2,853 |
| Tier 1 risk-based capital ratio | 24.9750% | 849 |
| Total risk-based capital ratio | 26.1875% | 831 |
| Memoranda: | ||
| Average total assets | $64,582,800 | 6,045 |
| Average earning assets | $58,497,000 | 6,046 |
| Average equity | $7,142,000 | 5,984 |
| Average total loans | $13,505,200 | 7,228 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7547% | 7,426 |
| Cost of funding earning assets | 0.8190% | 6,691 |
| Net interest margin | 2.9357% | 6,952 |
| Noninterest income to average assets | 0.7484% | 2,513 |
| Noninterest expense to average assets | 2.8543% | 4,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5475% | 4,102 |
| Return on assets (ROA) | 1.1134% | 1,955 |
| Pretax return on assets | 1.1134% | 2,785 |
| Return on Equity (ROE) | 10.1122% | 2,082 |
| Retained earnings to average equity (ytd only) | 8.2127% | 1,347 |
| Net charge-offs to loans | -0.2347% | 7,635 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9060% | 1,848 |
| Assets per employee ($millions) | 2.9477% | 6,271 |
| Cash dividends to net income (ytd only)* | 18.7850% | 3,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0933% | 2,014 |
| Loan loss allowance to noncurrent loans | 383.7500% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 6,948 |
| Noncurrent loans to loans | 0.5455% | 6,112 |
| Net loans and leases to total assets | 23.1967% | 7,575 |
| Net loans and leases to deposits | 26.6861% | 7,609 |
| Net loans and leases to core deposits | 27.0695% | 7,607 |
| Total domestic deposits to total assets | 86.9243% | 2,577 |
| Equity capital to assets | 12.4263% | 1,895 |
| Core capital (leverage) ratio | 9.7925% | 3,499 |
| Tier 1 risk-based capital ratio | 26.2744% | 753 |
| Total risk-based capital ratio | 27.5230% | 736 |
| Memoranda: | ||
| Average total assets | $65,022,500 | 6,097 |
| Average earning assets | $58,769,750 | 6,102 |
| Average equity | $7,159,500 | 6,059 |
| Average total loans | $13,066,750 | 7,343 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 7,490 |
| Cost of funding earning assets | 0.8435% | 6,776 |
| Net interest margin | 2.9440% | 6,948 |
| Noninterest income to average assets | 0.7720% | 2,272 |
| Noninterest expense to average assets | 2.7761% | 4,591 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6691% | 3,531 |
| Return on assets (ROA) | 1.0747% | 2,008 |
| Pretax return on assets | 1.0747% | 2,864 |
| Return on Equity (ROE) | 10.1690% | 2,038 |
| Retained earnings to average equity (ytd only) | 8.2211% | 1,365 |
| Net charge-offs to loans | -0.6383% | 7,749 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5800% | 2,358 |
| Assets per employee ($millions) | 3.1565% | 5,772 |
| Cash dividends to net income (ytd only)* | 19.1549% | 2,918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5370% | 1,258 |
| Loan loss allowance to noncurrent loans | 337.5000% | 872 |
| Noncurrent assets plus other real estate owned to assets | 0.1750% | 6,952 |
| Noncurrent loans to loans | 0.7517% | 5,762 |
| Net loans and leases to total assets | 18.7777% | 7,701 |
| Net loans and leases to deposits | 21.2780% | 7,720 |
| Net loans and leases to core deposits | 21.5577% | 7,719 |
| Total domestic deposits to total assets | 88.2494% | 1,852 |
| Equity capital to assets | 11.4036% | 2,519 |
| Core capital (leverage) ratio | 9.0190% | 4,568 |
| Tier 1 risk-based capital ratio | 26.4766% | 734 |
| Total risk-based capital ratio | 27.7277% | 725 |
| Memoranda: | ||
| Average total assets | $66,063,000 | 6,102 |
| Average earning assets | $59,985,670 | 6,102 |
| Average equity | $6,982,000 | 6,143 |
| Average total loans | $12,533,670 | 7,428 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8385% | 7,562 |
| Cost of funding earning assets | 0.8575% | 6,911 |
| Net interest margin | 2.9810% | 6,870 |
| Noninterest income to average assets | 0.7217% | 2,454 |
| Noninterest expense to average assets | 2.7353% | 4,743 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6854% | 3,500 |
| Return on assets (ROA) | 0.8067% | 3,031 |
| Pretax return on assets | 0.8067% | 3,837 |
| Return on Equity (ROE) | 7.9480% | 2,908 |
| Retained earnings to average equity (ytd only) | 7.9480% | 1,729 |
| Net charge-offs to loans | 0.1933% | 3,759 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 18.8333% | 1,225 |
| Efficiency ratio | 79.9645% | 2,568 |
| Assets per employee ($millions) | 3.8360% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3196% | 1,544 |
| Loan loss allowance to noncurrent loans | 283.6735% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 7,073 |
| Noncurrent loans to loans | 0.8177% | 5,680 |
| Net loans and leases to total assets | 16.0625% | 7,823 |
| Net loans and leases to deposits | 17.8037% | 7,844 |
| Net loans and leases to core deposits | 18.0105% | 7,833 |
| Total domestic deposits to total assets | 90.2201% | 875 |
| Equity capital to assets | 9.5316% | 4,482 |
| Core capital (leverage) ratio | 8.8643% | 4,776 |
| Tier 1 risk-based capital ratio | 25.0289% | 859 |
| Total risk-based capital ratio | 26.1757% | 853 |
| Memoranda: | ||
| Average total assets | $65,951,500 | 6,175 |
| Average earning assets | $59,711,500 | 6,182 |
| Average equity | $6,693,500 | 6,288 |
| Average total loans | $12,415,000 | 7,528 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5492% | 7,338 |
| Cost of funding earning assets | 1.5562% | 5,252 |
| Net interest margin | 2.9930% | 6,666 |
| Noninterest income to average assets | 0.7526% | 2,663 |
| Noninterest expense to average assets | 2.9560% | 4,324 |
| Loan and lease loss provision to assets | 0.0165% | 7,333 |
| Net operating income to assets | 0.5608% | 3,481 |
| Return on assets (ROA) | 0.5525% | 3,603 |
| Pretax return on assets | 0.5525% | 4,042 |
| Return on Equity (ROE) | 5.3887% | 3,476 |
| Retained earnings to average equity (ytd only) | 4.0334% | 2,393 |
| Net charge-offs to loans | 0.1431% | 5,808 |
| Credit loss provision to net charge-offs | 52.6316% | 6,716 |
| Earnings coverage of net charge-offs (x) | 18.3684% | 1,128 |
| Efficiency ratio | 83.6610% | 2,394 |
| Assets per employee ($millions) | 3.1063% | 5,974 |
| Cash dividends to net income (ytd only)* | 25.1497% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2110% | 1,631 |
| Loan loss allowance to noncurrent loans | 211.9403% | 1,412 |
| Noncurrent assets plus other real estate owned to assets | 0.2609% | 6,795 |
| Noncurrent loans to loans | 1.0432% | 5,232 |
| Net loans and leases to total assets | 21.2830% | 7,851 |
| Net loans and leases to deposits | 24.0301% | 7,881 |
| Net loans and leases to core deposits | 28.9157% | 7,871 |
| Total domestic deposits to total assets | 88.5681% | 1,691 |
| Equity capital to assets | 10.9117% | 2,767 |
| Core capital (leverage) ratio | 10.2794% | 2,799 |
| Tier 1 risk-based capital ratio | 26.5836% | 723 |
| Total risk-based capital ratio | 27.8335% | 713 |
| Memoranda: | ||
| Average total assets | $60,454,000 | 6,331 |
| Average earning assets | $56,163,800 | 6,285 |
| Average equity | $6,198,200 | 6,536 |
| Average total loans | $13,276,200 | 7,534 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6547% | 7,347 |
| Cost of funding earning assets | 1.8001% | 4,381 |
| Net interest margin | 2.8546% | 6,959 |
| Noninterest income to average assets | 0.7389% | 2,770 |
| Noninterest expense to average assets | 2.8765% | 4,549 |
| Loan and lease loss provision to assets | 0.0219% | 7,133 |
| Net operating income to assets | 0.4933% | 4,010 |
| Return on assets (ROA) | 0.3398% | 4,735 |
| Pretax return on assets | 0.3398% | 4,957 |
| Return on Equity (ROE) | 3.3670% | 4,636 |
| Retained earnings to average equity (ytd only) | 1.5423% | 4,449 |
| Net charge-offs to loans | 0.0398% | 6,348 |
| Credit loss provision to net charge-offs | 250.0000% | 1,716 |
| Earnings coverage of net charge-offs (x) | 58.7861% | 556 |
| Efficiency ratio | 84.8093% | 2,207 |
| Assets per employee ($millions) | 2.9917% | 6,178 |
| Cash dividends to net income (ytd only)* | 54.1953% | 1,841 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2688% | 1,329 |
| Loan loss allowance to noncurrent loans | 192.9032% | 1,521 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 6,717 |
| Noncurrent loans to loans | 1.1761% | 4,977 |
| Net loans and leases to total assets | 22.6593% | 7,921 |
| Net loans and leases to deposits | 25.7374% | 7,950 |
| Net loans and leases to core deposits | 31.1683% | 7,942 |
| Total domestic deposits to total assets | 88.0405% | 1,634 |
| Equity capital to assets | 11.5126% | 2,573 |
| Core capital (leverage) ratio | 9.5446% | 3,852 |
| Tier 1 risk-based capital ratio | 26.4549% | 791 |
| Total risk-based capital ratio | 27.7190% | 767 |
| Memoranda: | ||
| Average total assets | $60,812,750 | 6,359 |
| Average earning assets | $56,515,000 | 6,313 |
| Average equity | $6,137,750 | 6,618 |
| Average total loans | $13,384,000 | 7,602 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8237% | 7,185 |
| Cost of funding earning assets | 1.9699% | 3,916 |
| Net interest margin | 2.8539% | 6,902 |
| Noninterest income to average assets | 0.6920% | 3,042 |
| Noninterest expense to average assets | 2.7456% | 5,198 |
| Loan and lease loss provision to assets | 0.0322% | 6,920 |
| Net operating income to assets | 0.5536% | 3,863 |
| Return on assets (ROA) | 0.1062% | 5,645 |
| Pretax return on assets | 0.1062% | 5,660 |
| Return on Equity (ROE) | 1.0996% | 5,609 |
| Retained earnings to average equity (ytd only) | -1.6993% | 5,670 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4155% | 2,676 |
| Assets per employee ($millions) | 3.2464% | 5,459 |
| Cash dividends to net income (ytd only)* | 254.5455% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3033% | 1,097 |
| Loan loss allowance to noncurrent loans | 236.7188% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2399% | 6,890 |
| Noncurrent loans to loans | 0.9730% | 5,272 |
| Net loans and leases to total assets | 20.8359% | 8,027 |
| Net loans and leases to deposits | 23.1417% | 8,055 |
| Net loans and leases to core deposits | 27.3726% | 8,046 |
| Total domestic deposits to total assets | 90.0360% | 815 |
| Equity capital to assets | 9.3982% | 4,752 |
| Core capital (leverage) ratio | 8.5924% | 5,275 |
| Tier 1 risk-based capital ratio | 25.1238% | 930 |
| Total risk-based capital ratio | 26.3726% | 912 |
| Memoranda: | ||
| Average total assets | $62,136,330 | 6,367 |
| Average earning assets | $57,466,000 | 6,337 |
| Average equity | $6,002,330 | 6,714 |
| Average total loans | $13,452,330 | 7,683 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0443% | 6,818 |
| Cost of funding earning assets | 1.9644% | 4,311 |
| Net interest margin | 3.0799% | 6,257 |
| Noninterest income to average assets | 0.7055% | 2,857 |
| Noninterest expense to average assets | 2.4694% | 5,961 |
| Loan and lease loss provision to assets | 0.0641% | 6,152 |
| Net operating income to assets | 0.9878% | 2,366 |
| Return on assets (ROA) | 1.2251% | 1,685 |
| Pretax return on assets | 1.2251% | 2,532 |
| Return on Equity (ROE) | 12.5143% | 1,509 |
| Retained earnings to average equity (ytd only) | 12.5143% | 708 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1275% | 4,550 |
| Assets per employee ($millions) | 4.1204% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3181% | 925 |
| Loan loss allowance to noncurrent loans | 208.9655% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.2356% | 6,813 |
| Noncurrent loans to loans | 1.1093% | 4,765 |
| Net loans and leases to total assets | 18.2278% | 8,105 |
| Net loans and leases to deposits | 20.0553% | 8,134 |
| Net loans and leases to core deposits | 22.8563% | 8,126 |
| Total domestic deposits to total assets | 90.8875% | 450 |
| Equity capital to assets | 8.6456% | 5,850 |
| Core capital (leverage) ratio | 8.9312% | 4,822 |
| Tier 1 risk-based capital ratio | 24.0422% | 1,076 |
| Total risk-based capital ratio | 25.2904% | 1,050 |
| Memoranda: | ||
| Average total assets | $62,363,500 | 6,385 |
| Average earning assets | $57,014,500 | 6,379 |
| Average equity | $6,105,000 | 6,723 |
| Average total loans | $13,601,000 | 7,716 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6992% | 6,783 |
| Cost of funding earning assets | 1.6233% | 7,397 |
| Net interest margin | 4.0759% | 2,805 |
| Noninterest income to average assets | 0.7741% | 2,648 |
| Noninterest expense to average assets | 3.2867% | 3,011 |
| Loan and lease loss provision to assets | 0.1164% | 5,887 |
| Net operating income to assets | 1.0481% | 2,360 |
| Return on assets (ROA) | 0.0252% | 6,149 |
| Pretax return on assets | 0.0291% | 6,098 |
| Return on Equity (ROE) | 0.2179% | 6,157 |
| Retained earnings to average equity (ytd only) | -38.2036% | 8,023 |
| Net charge-offs to loans | 0.0077% | 6,838 |
| Credit loss provision to net charge-offs | 6,000.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 681.0000% | 82 |
| Efficiency ratio | 71.3263% | 4,063 |
| Assets per employee ($millions) | 3.2165% | 5,439 |
| Cash dividends to net income (ytd only)* | 17,630.7692% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0805% | 1,102 |
| Loan loss allowance to noncurrent loans | 184.9057% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 0.3274% | 6,297 |
| Noncurrent loans to loans | 1.1252% | 4,297 |
| Net loans and leases to total assets | 25.3054% | 8,082 |
| Net loans and leases to deposits | 28.7654% | 8,127 |
| Net loans and leases to core deposits | 34.2068% | 8,123 |
| Total domestic deposits to total assets | 87.9718% | 1,480 |
| Equity capital to assets | 11.2546% | 2,840 |
| Core capital (leverage) ratio | 10.3349% | 3,136 |
| Tier 1 risk-based capital ratio | 25.6778% | 930 |
| Total risk-based capital ratio | 26.9287% | 904 |
| Memoranda: | ||
| Average total assets | $51,540,800 | 6,709 |
| Average earning assets | $48,480,600 | 6,655 |
| Average equity | $5,965,400 | 6,822 |
| Average total loans | $13,066,600 | 7,766 |